Aftermath: What Investors Should Do Now

by Rene A. Espinal, Shores resident

There's no question that the terrorist attack on America has introduced a new source of uncertainty into the global economy and the financial markets. And, it's understandable that you may be uncertain about what the future might hold. You could take some comfort in the fact that the country and the stock market have faced prior attacks and have, ultimately, come back strong - Pearl Harbor, in 1941; South Korea, in 1950; and Kuwait, in 1990, immediately come to mind.

Over the next several weeks you will likely see continued volatility in the U.S. stock market as it absorbs the initial shock of the tragedy and our country's response to it. But, the real danger you may face as an investor isn't the fall of stock prices, it's how you personally react to the current environment.

More Than Ever, You Need To Keep A Clear Head

Different industry sectors will be affected in different ways. The obvious benefactors of this tragedy might well be defense stocks, steel makers and the building industry. Those experiencing major losses include the airline and travel industries, among others. If you're thinking it's a good idea to get out of the stock market and put your money into something safe like a money market fund, you may want to rethink that strategy. This is not the time to make important decisions about your investment portfolio. A hasty reaction could result in painful, and unnecessary, investment losses. So, what should you do now? Following are actions you may want to consider during these difficult times and beyond.

• Learn to be a better investor. Seek the advice of an experienced financial consultant. Research and understand your investment choices. And, invest in what you know.
• Build stock positions. Depending on your individual financial strength, if you are comfortable with a 12 to 24 month time horizon, you may find opportunities in the coming weeks. Unless this market proves to be different, bear markets have seldom lasted more than 18 to 24 months.
• Hold your bond positions. On Sept. 17 the Federal Reserve lowered interest rates another 50 basis points, which could help lessen the impact of more bonds coming to market to fund the rebuilding efforts.
• Make no changes to your retirement, savings or investment portfolio unless these are planned changes already discussed with your financial consultant and tax advisors or a financial emergency. In fact, seek their advice to determine if these plans should be put on hold.
• Don't give up. It's easy to question your judgment when the market takes a dive.
• Get organized. Review your personal financial and legal situation. Are you prepared to weather a personal crisis such as the death of a spouse, loss of employment, fire or other disaster? Have you prepared a will, power of attorney or arranged for the care of your loved ones?

It's important to remember that the case for stocks is based on the market's long-term performance. Past experience suggests that investors who can keep their courage - and their wits - about them and stick to a long-term strategy are most likely to weather volatility and benefit when the market recovers. The important thing is to seek reliable advice, take your time and react based on your individual situation, not out of fear or emotion.

Attention Owners

Are you ready to get involved in your community? We are looking for candidates for the Board of Directors. If you are interested, please update your resume and contact Beth Goin at Bristol Management. Phone: 575-3551; fax: 575-5423; or beth@bristolmanagement.com.

Call For Vendors - WinterFestival On Dec. 23

The Kaplan Jewish Community Center is preparing for its annual community-wide event, WinterFestival, with a call for vendors. This day of family programs, live entertainment, food and recreation is held Sunday, Dec.23, 10 a.m. to 4 p.m. The event is ideal for jewelry, art, crafts and other vendors wanting to reach a large number of families and seniors in one day. Applications must be returned by Dec. 10. The JCC is located at 3151 N. Military Trail, West Palm Beach. For vendor applications and more information, call 561-689-7700, ext. 333.

Clifford Is Coming!

On Jan. 17, Clifford will be making an appearance at Learning Express, Military Road and PGA, at 11 a.m. and 3 p.m. For more information call 799-2869.

COAST Program

The town of Jupiter Department of Parks and Recreation COAST Program (Creating Opportunities, Adventure and Sports for Teens) will be holding a toy drive at the Friday night "Terrific Night for Teens" that takes place each Friday during the school year (except on school holidays).

Activities for 11- to 15-year-olds include a D.J., team sports, Sega video games, billiards, foosball, craft projects and much more and take place at the Jupiter Activity Building, 210 Military Trail, from 5:30 to 9:30 p.m. Each teen who participates on Dec. 7 is asked to bring a new, unwrapped toy for 3- to 5-year-old children. All toys will be donated to the Jupiter Head Start Program. TNT is free, pizza available for $3.

The COAST Program will be taking a trip to Busch Gardens on Friday, Jan. 4, from 7 a.m. to 11 p.m. for teens ages 11 to 17. Cost is $65 and includes round-trip transportation, park admission, bus, snacks and chaperones. Registration can be completed at the Jupiter Activity Building, 210 Military Trail, Monday through Friday, 8 a.m. to 5 p.m. The deadline to register is Wednesday, Dec. 19. This trip would make an excellent holiday gift for your teen!

For more information on either activity, call 741-2328 or visit our Web site at www.jupiter.fl.us (Leisure, Teens).

Considering Your Student's Friends In School-Related Decisions

by Gena Baldwin

I attended a neighborhood gathering last night at our community clubhouse. What a nice evening everyone in attendance seemed to have. I'm reminded how important that sense of community is to my life. My neighbors are all in different stages of their lives. We come from different backgrounds, off of different career paths and practice different belief systems. The only common thread throughout the gathering was that we all live in the same community. As parents we try to instill that same feeling into our children. When they are little we arrange play dates and enroll them in toddler classes of all kinds. Then, too soon, they are ready for kindergarten. No parent is more involved in schooling or more eager to be in the heart of it all than a kindergarten parent. Unfortunately, as our children grow older, the eagerness subsides and decisions about choosing a high school and the many magnet programs available begin to become the topic of conversation.

A piece of advice for you parents out there that are in the midst of selecting a high school for your child: Find out where your children's friends are going. I'm sure there are readers out there that strongly believe that a choice of this magnitude should be an independent one. That it's not correct to make a school selection based solely upon where your friends are going. Well, don't base your decision on any one ingredient. Research the curriculums offered at different schools, map out the location of the school in relation to your home or workplace, ask about the student to teacher ratios and compare tuition rates. And, do consider the friends in your student's life.

Maybe there are some that you'll be glad to see go to another school! I ask you to talk to parents of friends because adjusting to a new school is hard enough without knowing anyone. Everybody likes to arrive at the party with a companion. Someone that you can talk to about all the other people that were there. Ask yourself, "What did I find more important as I went through high school?" Was it the strong premed, or other curricula options available? Or was it the relationships that you discovered and developed? Sometimes that sense of community just happens, and sometimes as parents we have to step in and create it for our kid. Your time for setting up play dates isn't quite over yet.

Somewhere along the line, some judge thought that a sense of community didn't factor into the educational equation and around the country we saw children riding buses for hours to attend a school miles from home, when a perfectly good school existed right in their own backyard. So we've seen the rise in gangs, and in peer pressure and in the struggle that our kids face in order to belong. Experts scratch their heads trying to figure out what happened and who's to blame. This is the consequence we pay for the elimination of that sense of community.

Well, tonight I enjoy knowing that there is good news. I enjoy knowing that there is a way to change things for the better. The good news is that this community feeling is starting to become popular again. I'm witness to it, with a gathering of approximately 40 homeowners, sharing pasta dishes and good conversation, all saying, "We need to do this more often!"

Should you have an educational concern, or are interested in the math seminars I hold for students of all ages, please e-mail me at gbaldwin@weissinc.com. Thank you for reading.

County Copes With Terrorism

by Commissioner Karen T. Marcus, District 1, Palm Beach County Board of County Commissioners

After the terrorist attacks on Sept. 11, Palm Beach County was again highlighted in the news. We were the first place in the nation to have an incident of anthrax and the county's Emergency Operations Center soon became the site of intense media focus. Our health department, under the leadership of Dr. Jean Malecki, handled the reporting of the outbreak with expediency and professionalism. Immediately, the Board of County Commissioners ordered the EOC to be on alert status to plan for the safety of residents, changing from its normal Level III mode of operation to a heightened Level II of security monitoring. The very day of the attack, EOC officials participated in a statewide conference call from the state's Emergency Operations Center in Tallahassee, discussing measures to provide for increased security and intelligence monitoring.

Palm Beach County was the first county in the state to hire its own counterterrorism specialist. Joe Carusi was hired by the Board over a year ago to anticipate and plan for such emergencies. He and other EOC officials have been working with the sheriff's office, FBI, Florida Department of Law Enforcement, fire-rescue department, health department, postal service, the county's Public Information Office and municipal police and city officials to ensure all emergency responses are fully coordinated and responsive to any terrorist threat.

Other steps the county has taken since the attack include the following:

• A full-page ad was placed in local newspapers to notify citizens what actions the county has taken in reaction to the terrorist attack. The ad also announced that the government's Channel 20 was hosting a live call-in show so residents could ask questions and receive the latest information directly from experts from the sheriff's office, school board, postal service, airports, health department, fire-rescue and counterterrorism specialist;
• Law enforcement and fire-rescue department officials have implemented new response protocols to potential biological agent threats;
• The health department continues to work closely with state and federal authorities to identify real or potential threats;
• PBIA has increased security at all entrances and gates and the National Guard is present to provide additional security. Short-term parking has reopened but cars will be scrutinized. Also, curbside check-ins have been reestablished for most airlines;
• All county government buildings have heightened security;
• The Port of Palm Beach has added security to monitor maritime operations;
• Water utility agencies and power plants have implemented additional security measures to ensure our safety.

On Nov. 29 the county pulled together all resources to ensure that all emergency personnel could respond appropriately. This full-scale preparedness mock exercise included federal, state, county, city and the medical community in a staged reaction to a terrorist incident involving nuclear, biological or chemical weapons.

You may be assured that Palm Beach County government is doing all it can to ensure the safety and welfare of residents and will continue to seek state and federal assistance and relief to supplement our efforts.

As always, if you have any questions about any of these subjects, you may call the county's Public Information Office at 355-2754, my office at 355-2201 or go to the county's Web site: www.pbcgov.com.

CrossTalk

by Jodi Cross

'Tis The Season For Tipping

It is believed that the practice of tipping began some 200 years ago in England when the owner of a pub placed a box on the bar with the letters T-I-P-S written on it. This was shorthand for To Insure Promptitude. To this day, tipping is meant to express your thanks and appreciation fora job well done.

To tip or not to tip during the holiday season is always a question. Tips don't have to be in the form of cash, they can also be personal gifts or gift certificates. But most recipients indicate they prefer cash. So how do you decide if you should tip a person and what is the appropriate amount? Tips are meant for those who serve you during the year and give you good service. It is a nice way to say thank you during the holiday season.

Whether you decide on gifts, cash or certificates, you should only do so if you can afford it and because you want to, not out of obligation. It is a personal matter. If you are going to give a gift item, make sure you give enough for each person to enjoy, not just one for a group to share. To fully show your appreciation, be sure to deliver your gift or tip in person. And, if giving a tip, place it in a holiday card with an appropriate message.

High-rise complex dwellers face a whole degree of dilemmas when it comes tipping. One suggestion is to take up a collection and split it evenly among all the superintendents, maintenance and front door staff. This method insures that everyone will be included in the holiday cheer.

Now that you have decided to get those envelopes out, how much should you give? This basic tipping guide can help you to remember everyone who has served you throughout the year with a token gift this holiday season.

Did You Know That, In Florida . . .

A will which is not properly executed and witnessed (even if it signed by the testator [male] or testatrix [female]) will not be recognized by the court.

A parent who fails to pay alimony or child support may be held in contempt of court.

A condominium owner may claim a homestead exemption.

One may recover damages for the negligent or intentional infliction of emotional distress.

An order awarding custody or child support may be modified upon a showing of a substantial change of circumstances.

The right of privacy is expressly granted by the Florida Constitution.

Jupiter Law Center, a private general practice law firm, in Chasewood Plaza, 6390 Indiantown Road, Jupiter, 561-744-4600, handles a wide variety of legal matters, including bankruptcy, wills and estates, divorce/custody, criminal, personal injury, corporations, real estate and general litigation.

Fishing In The Shores

by Charles R. Piver

It has been some time since I have written an article regarding fishing in and around The Shores. My van is still fully stocked with fishing tackle for all occasions, but I concentrate on fly gear in fresh water and what I call my beach fishing rig.

With all the recent rains and the raising of the level of our ponds (lakes), fishing is still in the good-to-excellent range. I found the early morning fly-fishing to be the best. I have used a small surface popper tied to a five weight, weight forward, floating line. This is cast with a four weight rod and a four/five weight capable reel. Since I don't expect "monster" fish, I don't have any backing on the reel.

Just about any time of day, I could catch small bass by casting my small popper parallel to the bank about six to 10 feet out. This is the area of predation for the 2 to 3 year bass. These little "toughies" patrol the bank areas in search of insects and minnows. My small popper imitates both of these and I usually catch one or two bass (about 12 inches) on any given occasion.

Recently, I thought I'd try my luck in the early morning, about an hour after sunrise. I caught a small bass, which was tenderly released. Not paying enough attention to my back cast, I was caught by one of those fly-eating trees. I tried to recover my small popper, but to no avail. With only an 8-pound test leader, the tree won that battle and I was broken off with the fly being devoured by some tree top branches.

I didn't want to walk back to my car for another small popper. I searched my tackle bag which I wore on my waist and came up with a small saltwater popper. When I say small, I mean small for salt water but rather big for fresh water. The fly I had was a 6-incher, white in color with red and white feathers and an oversized eye.

I figured, "what the heck" and tied it on to what was left of my leader. Casts took all of my fly-fishing experience managing the wind and the oversized fly. I did make some "skillful" casts and woke up that part of the lake with some mega-pops. I cast in the middle of some vegetation about 25 feet off shore and downwind of my location. Slowly retrieving the popper with short jerks, I was rewarded with a ferocious grab at the fly by a rather large bass.

I set the hook with a sharp jerk on the retrieving line. I reeled in the excess line and fought the fish from the reel. Small freshwater, inexpensive reels (under $125) are used to store line - I had no backing and had to land the fish on the 100-foot fly line. This is opposed to the saltwater reel which is used to fight larger fish and is equipped with a drag system and some 200 yards of backing.

This bass was not a newcomer to being caught and released before. He (or rather she) ran, danced at the surface and shook, trying to dislodge the hook. On this occasion, I had the upper hand and the hook stayed firmly in place. She tired and I gently caught her by the lower jaw and worked the hook out. Not expecting anything that large, I did not bring my scale or ruler. The best I could do was to approximate the length with a section of my rod. I later measured the length on my rod section and the fish was 22 inches, lip to tail.

I wanted to get that fish back to the water with as little trauma as possible, and I guided the fish back and forth running water over the gills. After a few seconds, the bass took off under her own power. I am happy to say the fishing in our lakes is still exciting, especially with the prospect of some larger fish.

Florida History Center & Museum Presents 'Home For The Holidays'

Colorful linens, sparkling crystal and decorative dishes will grace holiday tables to create a visual wonder world of an at-home celebration. The Home for the Holidays table setting exhibit will be created by eight world-class interior designers who will bring to life the magic of a yesterday Christmas. The exhibit runs through Jan. 13.

The table settings will coincide with the current exhibit Potters in Paradise, Old Florida Pottery 1859-1966, which will also be on display through Jan. 13.

The location of the museum is 805 U.S. Highway 1 in Jupiter at Burt Reynolds Park. Admission is free to members. Nonmembers, $5 for adults; $4 for seniors; $3 for children 6 to 18 years, children under 6 are admitted free. For reservations call 561-747-6639.

Exhibits - Home For The Holidays

An Intimate Addison Mizner Christmas Eve Dinner

An old-world Victorian scene complete with a Palm Beach Mizner monkey and monkey house. Designer: Ayres Bartholomew Interiors Inc., Palm Beach, James Taylor.

A Winter White Christmas

Fine linens and crystal from the store's diverse home department. Designer: Bloomingdale's, Palm Beach Gardens Mall, Cathleen Saraduke.

Holiday In The Keys

Christmas on the beach under a thatched umbrella complete with banana leaves and palm fronds. Designer: H. Allen Holmes Inc., Jupiter, H. Allen Holmes.

A West Indies Celebration

A British colonial "island-like" setting. Designer: Gold Leaf Design Consultants, West Palm Beach, Vikki Kemp.

A Venetian Table

Old Venice is represented by multicolored ornate Italian accessories. Designer: Donald Lilly Associates Inc., Jupiter, Larry White.

A Southern Traditional Christmas Dinner

An antique silver-leaf lamp, a family heirloom from the late 1800s, will serve as the centerpiece. Designer: Omni Interiors, North Palm Beach, Michael Savio and Marj Hocker.

Christmas Island

A mythical, magical place with tropical flowers and exotic fruits. Designer: Staging, Lantana, Patricia Content and Wayne Gathlia.

A Star-Spangled Christmas

A patriotic red, white and blue table setting. Designer: Bernadette V. Upton Interior Design, North Palm Beach, B. Upton.

* * * * *

Holiday decorations by ASID Palm Beach Community College, student branch, Alison Osborne.

Friends Of Abused Children Aid One Family At A Time

For the past 15 years Friends of Abused Children Inc., a not-for-profit organization, has come to the aid of abused, neglected and abandoned children within Palm Beach County's foster care system. As the holiday season draws near, and we all begin to count our blessings and reflect on all that we have, FAC "steps up" its efforts on behalf of these children. The members know that the holidays are a time when needy and less fortunate children face even more challenges and experience a greater sense of heartache.

Last December, members of FAC came to the aid of an abused young mother of five as she struggled to keep her family together. FAC first acquired donations of a Christmas tree, decorations, gifts for the children and food for the holidays, while beginning to seek a long-term solution for this determined mother who had the courage to leave an abusive relationship and survive numerous struggles. Friends of Abused Children connected her with Adopt-A-Family, where they located a safe apartment for her and her children. FAC then contacted a lawyer who would work pro bono on legal issues, arranged for the donation of a van, and provided the mother with partial rent, utilities, food and child care for several months so that she could continue her education.

It has been a year since Friends of Abused Children first came to the aid of this courageous mother in dire need. She has completed her degree and is currently working as a medical assistant, enabling her to provide for her family. "Through the help of the Friends of Abused Children, my family has a new lease on life and a very bright future to look forward to," said the grateful mother.

In order to meet the needs of many children, Friends of Abused Children Inc. will be holdings its annual gala dinner dance Saturday, Jan. 5 at the Ritz-Carlton, Palm Beach. All proceeds from the gala will be used to meet the needs of individual children by offering assistance in the form of monetary payments when no other social service or public agency funds are available for the purpose. For more information, contact Kimberly, 561-790-1265.

Restaurant Review

IL Trullo II Ristorante
287 E. Indiantown Road
Jupiter (Fisherman's Wharf)

Il Trullo II Ristorante in Jupiter brings you a menu and atmosphere straight from Italy, where fine dining is an experience that is to be enjoyed and lingered over.

Adriano Bertolotti has brought his over 40 years of experience in the business of fine dining to Il Trullo II and insists, "I can do nothing else. I love the business." At the age of 9 he was waiting tables in his father's restaurant, filling wine flasks and restocking the bar. At 17, he was a waiter in Switzerland, and became a maître d' at the age of 19, and went on to hold positions in some of New York's finest restaurants. He opened the first Il Trullo in Lantana and his second restaurant in Jupiter, a town he now calls home.

Taking a degustazione approach to dining is one in which Adriano will design your food courses for you and he delights in offering "a little bit of this, a little bit of that, and a little bit of a lot of dishes."

We let him show the way and were pleasantly surprised with each offering that included: a traditional antipasto with prosciutto imported from his hometown of Parma, mozzarella, also imported from Italy, paper-thin smoked salmon and goat cheese topped with a pumpkin seed oil from Austria, pickled artichoke hearts with just a hint of vegetable flavors peeking through and his own pickled mushroom.

He then presented tender braised sea scallops with thin shitake mushroom slices, followed by tiny littlenecks in a perfectly balanced white wine and garlic broth, with a hint of onion and red pepper.

The pasta course was a medley of gnocchi in fresh pesto, which was a specialty that evening; tortellini filled with ricotta, parmigiana and spinach in an alfredo sauce and cappellini with tomato and fresh basil sauce. Their selection of pastas and sauces are truly authentic. "We select the best ingredients to create the freshest dishes and then we cook them from the heart," Adriano explained.

The next course was an open fire grilled snapper with homemade aioli that was rich and smooth, followed by slices of veal roast with steamed broccoli and very lightly seasoned julienne potatoes. The potatoes are a signature item, and Adriano said, "Every time I try to replace them, my customers yell at me to bring them back, they like them so much." Mixed greens, imported Gorgonzola and a crusty roll were served before the heavenly dessert - Adriano's homemade tiramisu.

In the kitchen you will find his longtime chef Andre Francez, along with Adriano's son Chris, while daughter-in-law Heather shares responsibilities in the dining room. Adriano depends on Andre's artistic presentation to complement each dish and define its commitment to simplicity.

Il Trullo II offers some non-Italian classics such as rack of lamb, pecan encrusted salmon and Dover sole with meunière sauce. A full bar, beers and an excellent list of wines from Italy and California are offered to complement your meal.

Il Trullo II is located on Indiantown Road in Jupiter, in the Fisherman's Wharf shopping center. Reservations are recommended (especially on weekends). American Express, Visa and MasterCard are accepted. 561-745-8040.

Chris Bertolotti, Adriano Bertolotti and Andre Francez.

It's A Hottie

Desperate for a head-to-toe holiday indulgence? Give yourself or someone special the gift of ultimate luxury at Anushka Spa & Sanctuary where the "Who's Who" and savvy Palm Beachers go for slimming, toning and revitalizing. The luxurious world-class spa and salon is located in the brand-new, European-style PGA Commons plaza.

The spa's "Holiday Hottie" - four hours of sizzling spa magic - includes a hot body buff, steaming oxygen facial, warm and wild paraffin manicure, hot lava stone massage, plus a spicy spa lunch and crushed seaweed soap to take home.

Need a quick fix to help you get into that little black dress? "Try our Model's Secret Slimmer," says Anushka, whose world-renowned New York City Spa & Cellulite Clinic celebrates its 30th anniversary this year. "It's such a rage, we just flew in two new machines from Europe for the season. For holiday radiance, there's nothing like our oxygen facial, our high-tech micro-crystal dermapeel. To combat the effects of too many parties, I prescribe our Bye Bye Bloat, an aroma steam detoxification, followed by a seaweed body wrap and thigh massage."

Head-turning coifs for parties are a specialty in the salon, and transforming makeup artistry is the finishing touch. Anushka's quick fix eye lift, botox and an arch design are destined to be popular this season.

After you've emerged from Anushka, sleek, toned and glowing, make someone you love happy with an adorably wrapped gift certificate. Give your spa gift in one of Anushka's cleverly designed, exquisite paper and ribbon purses for ladies and paper briefcases for men.

For small indulgences with a European flair, Caroline Cassidy's spa boutique is a must-see for the perfect hostess gift, to the trendiest accessory, to the most divine antique finds from Italy, France, United Kingdom, Brazil and Nepal.

Jupiter-Tequesta Athletic Association 'Pushing 40 And Stronger Than Ever'

by Mary Frances Holleran

Don Fradley, the new president of the JTAA, took a few minutes from his busy schedule to talk about the association and its future. Working with JTAA for the last 10 years, Don began when his oldest daughter Morgan was 5. He signed her up for softball and was expecting to just drop her off and go home. But in no time at all he was recruited, and "got hooked." Don said, "That's when the program was held at Tequesta Park for girls 8 and under. Jeff Leslie was running it and he had such a great system in place. It was so well organized. I have such pleasant memories of those days, and found it very enjoyable to be a part of it."

His three daughters, Morgan in Jupiter High School, Jennifer in Jupiter Middle School and Stephanie at Limestone Creek Elementary, are all active in extracurricular activities including cheerleading, softball, basketball and soccer. Over the years Don has coached softball, basketball and soccer, as well as the competitive national softball and basketball teams. He served on the softball board for four years, the executive board for two years and is now president of the whole league. Don said, "Without the support of my wife, Philippa, I could never have done this."

JTAA has had tremendous growth in the past 10 years and its roots can be traced to an offshoot of a baseball league of the '50s. However, it was officially incorporated in 1965 thanks to the efforts of the local Kiwanis Club, who were instrumental in getting Tequesta Park started, and turned it over to JTAA for baseball (which was the only sport they had back then). They are proud to see that from the original 200 to 300 people in the league, JTAA now has over 6,000 participants ranging in age from 5 to 16, offering a variety of sports for boys and girls, with a budget of over $500,000. When Don started they had girls softball, baseball and boys and girls soccer and basketball, tackle and flag football. They now have added wrestling, lacrosse, volleyball, and soccer has tripled in size with 1,600 boys and girls involved. Lacrosse is growing in popularity and over 200 kids came out when it began.

Today, JTAA has a rather "high class" problem. They currently use all of the fields from the town of Jupiter, the village of Tequesta and the county and are begging for more. Fradley said, "The town has been terrific when it comes to helping us acquire more space and easing the overload."

The dedication of JTAA's core of volunteers is an essential part of its success. The executive board runs the organization but there are separate committees for every sport. They had one board running soccer but it became too large to accommodate the recreational and competitive soccer teams, so they divided up into two separate boards, with each board concentrating on its specific role. A lot was accomplished with that change.

Just recently the JTAA gained national recognition, when it became the poster child for sports and athletic associations across the country. And this is how it happened: After attending a meeting held by the NYSCA (National Youth Sports Coaches Association) to get help with the "parent problem," they recognized that often the most critical problem is off the field, and in the stands, when parents become angry and abusive during competition. Fradley said, "There's something about kids, sports and competition that makes parents become explosive. In order to educate parents to manage their anger, JTAA felt that the 20-minute video provided by NYSCA could help parents to stay calm, manage their anger and remember that the sport is really a child's game."

While it was tough at first to convince the Board and the league in general that inviting parents to take a pledge would work, Fradley said, "We decided to go with it. And once everybody saw what we were doing, and understood what some of the problems were, it worked and really helped us out. We went from a dozen complaints in the year before the pledge, to only one or two after the pledge was put into place." The pledge gained national recognition, when CBS television and ESPN spotlighted parents "taking the pledge" at the stadium in Jupiter. ESPN continues to monitor the program for further follow-up. And in the meantime, JTAA is getting calls from all over the country and requests from as far away as Oregon and Texas to see what they have put down in writing and how they set out their rules and standards and policy guidelines.

Fradley said that it's not unusual to see leagues become fractured due to internal politics and infighting over concession stands and field usage. And while JTAA has to deal with the county and municipal entities to get approvals on whatever activities are planned and fields that can be used, they are in control of their own agenda. Rather than fighting for facilities, they have learned to manage their needs by working with and sharing space with adult leagues and other events. And, it saves those entities from additional tax burdens by utilizing all of the facilities available.

Was Don Fradley crazy to take on the job of president of the JTAA? He said, "It's a great program. When other teams from across the country play on our fields I hear how unique the North County area is with its strong program and so many helpful volunteers in place. The program basically runs itself, with many individuals in leadership positions ready to take over the reins whenever someone leaves. And, I'm still enjoying myself out there."

Don Fradley is a Florida native, born and raised in Miami, with a degree in general business from the University of South Florida in Tampa, and a law degree from Florida State University. He's been practicing law for over 20 years and has a general practice in Jupiter providing civil, real estate, contracts, wills and probate law. He also owns Jupiter Land Title Insurance Company. His wife Philippa teaches at Jupiter High School, where Don recently accepted the role of coaching the freshmen girls basketball team and will act as assistant coach for the varsity. After coaching on a volunteer basis, Fradley is looking forward to this new coaching role at Jupiter High.

If you are interested in learning more about the JTAA, call Don Fradley at 561-743-8800.

Don Fradley, president, JTAA.

Let's Talk Orchids

by Elaine Stepner

This article, the third in a continuing series about the physiology and cultivation of epiphytic (air plants) orchids will deal with the stem and pseudobulb parts of these intriguing and fascinating plants.

The stem determines the general bearing of the orchids, and in particular, the Vanda and Phalaenopsis orchid. Epiphytic orchids have two kinds of stems, characteristic of two forms of growth: a creeping stem (sympodial growth) or an upright stem (monopodial growth).

The growths of sympodial orchids are derived from a creeping growth pattern or rhizome on which one or several shoots develop from year to year. Each shoot grows into a pseudobulb, bearing one or more leaves, and an inflorescence. The latter may appear either at the top of the pseudobulb (cattleya) or at the base, when it is directly attached to the rhizome, or even on the pseudobulb of the previous year as in some Dendrobium species. Further, the pseudobulbs may be packed closely together, almost joining as in Cymbidium, or some way apart on the rhizome, i.e. Bulbophyllum, thus posing some problems when it comes to repotting.

The monopodial orchids have an upright stem with a terminal shoot from which leaves, inflorescence and aerial roots progressively develop as in Vanda. In the case of Phalaenopsis orchids, the stem is nonexistent or atrophied.

The two methods of growth has a determinant bearing on their cultivation as monopodial orchids can reach a considerable height which sympodials have the annoying habit of escaping from their pots by growing across the container. The pseudobulbs, which may be regarded as branches of limited growth, assume a wide variety of forms. They can be cylindrical, fusiform, globular, ovoid (egg-shaped) or flattened laterally which some, like Dendrobiums, are long and stick-like with numerous internodes. These are storage organs with the role of retaining water and mineral salts, especially when the plant is confronted with a period of severe drought.

By paying attention to the two forms of growth, single stem upright as in monopodial, or expanding across the containers, you can determine what kinds of orchids you wish to grow. If you have little time to repot your orchids each year, then look towards growing Vandas as they can stay in their baskets for years without being repotted. As many orchidists love taking care of their plants as a hobby, repotting is a fun and enjoyable task; therefore, growing cattleyas or oncidiums would be preferred.

My thanks to the orchid book, Orchids Care and Cultivation by Gerald Leroy-Terquem and Jean Parisot for the information offered to you in this continuing series. Happy orchid growing!

Elaine Stepner is the owner of Orchid Services, a full service orchid shop located in Gallery Square North, 385 Tequesta Drive, Shop #5, Tequesta, FL 33469, telephone 561-748-2265, fax 561-747-3791. Stop in our newly expanded facilities to further discuss orchids.

The Miracles Of Christmas

by Dr. Ron Surowitz, Health Awareness Inc.(c)

Christmas is a time to evaluate the real meaning of health. Since this season exists by a miracle of God and we were created in his image, we too are a miraculous creation.

But we often go our own way by doing things to our bodies that God did not intend us to do if we were to remain healthy. With the honor of being a doctor comes joy and heartache, including the opportunity to share in human suffering, sickness and pain. But, having a relationship with our creator makes it easier to cope with my patients' sufferings. Without that relationship, their sufferings would be unbearable.

There is great wisdom in the statement that medicine is both science and art. There is no question that the scientific method of proving a hypothesis moved us out of the dark ages. But, during times of physical illness our spirits can be broken. While a person is ill, their emotional and spiritual well-being is affected. And, no one is immune to these difficulties.

The human mind cannot comprehend how grand the design or the complexities of the universe is or for that matter, the creation of life itself. No human knowledge can explain the awesome power it would take to create such a thing. By the same token, I have seen improvements occur in the lives of people with terminal conditions and whose improvement could never be explained in scientific terms. Their faith appeared to have made them well. And I am amazed at the unexplainable miracles I see every day.

Miracles do happen. They do not take away from science, they merely give credibility to the notion that man does not have all the answers. So, it is during this time of year that the miracle of the season gives us an opportunity to reflect on our faith.

During these times, we must offer strength and encouragement to one another. Unless a person has faith, improvement and healing is less likely to take place. Yet, unless a person experiences illness, he cannot be thankful for the miracle of health.

Have you ever thought that you are such a grand design that no matter what you try to do to abuse your body, it constantly attempts to repair itself? Every decision we make affects our health. Sadly, many illnesses are self-induced. Additionally, we must recognize that there are numerous advertisements and other propaganda that glamorize unhealthy lifestyles, including, but not limited to, unhealthy food, environmentally unsafe chemicals, cigarettes and alcohol. There are other material goods about which we have no idea what the genetic outcome will be with their continued use. And there are no guarantees that the conveniences we take for granted will not be detrimental to us now or in generations to come.

Take time every day to thank God for the miracles he has done in your life and in the life of your loved ones. And, whatever you do, never take for granted his concern for your welfare. No matter what the circumstance, you can always ask for forgiveness and his wisdom to help you size up a situation. Have faith and be an encouragement to one another. We have only to look to the Judeo-Christian ethic to verify this. These are the true miracles of life represented by the spirit of the holiday season.

May you have a blessed holiday season and a Happy New Year.

Nautical Notebook

by Harvey Rosenfeld

Dec. 8. Sixty-seventh annual Metropolitan South Florida Fishing Tournament opens and continues to May 12. It features competition for 37 species of saltwater and freshwater fish throughout South Florida and the western Bahamas. Local registration sites include Lott Bros. in North Palm Beach, Sailfish Marina on Singer Island and Inlet Bait & Tackle in Tequesta. Organized by the Fishing and Conservation Trust. Free entry. Call 305-569-0066.

Dec. 8. Ocean Impact Foundation presents Christmas for the Animals. Bring a gift such as laundry detergent, bleach or paper towels and take a free guided tour of its hospital for native Florida wildlife. Children welcome. Hours are 11 a.m. to 5 p.m. at 7100 Belvedere Road, West Palm Beach. Call 471-3403 or 640-4810.

Dec. 9. Larry Wood of the Marinelife Center of Juno Beach shows slides of Florida's sea turtles and discusses nesting trends and conservation programs. The presentation is at 2 p.m. at the John D. MacArthur Beach State Park nature center, A1A at the north end of Singer Island. Cost is $3.25 per car. Reservations suggested. A National Audubon Society sea turtle documentary will be shown throughout December at 2 and 4 p.m. daily, except Tuesday. Call 624-6952.

Dec. 11. Palm Beach County Reef Research Team hosts a potluck dinner and gift exchange of dive gear and novelty items costing $10 to $20. The party begins at 7 p.m. at Building 509, Fifth Street a quarter mile north of Belvedere Road in West Palm Beach. Call 842-8624 or 640-4810.

Dec. 11. Hobe Sound Nature Center leads a free boardwalk tour of Wakodahatchee Wetlands, a 50-acre constructed wetlands in Delray Beach. Carpools available at 9 a.m. at Hobe Sound National Wildlife Refuge on U.S. 1. Reservations required. Call 546-2067.

Dec. 12. The Jupiter Inlet and Loxahatchee River management plans are main topics of the Jupiter Inlet District board meeting. It begins at 7 p.m. at 400 N. Delaware Blvd., Jupiter. Public input welcome. Call 746-2223.

Dec. 15. West Marine sponsors a flea market of nautical gear and equipment between 8 a.m. and noon at 1401 Old Dixie Highway, Lake Park. Free admission for buyers and a Toys for Tots donation for sellers. Call 863-1440.

Dec. 15 and 16. Jupiter Outrigger Canoe Club teaches Hawaiian-style outrigger canoe paddling for all skill levels. The free clinics are at 8:30 a.m. in Jupiter. Reservations required. Call 746-5038.

Dec. 23. John D. MacArthur Beach State Park presents a talk on the basics of kayaking including types, equipment and safety, as part of the recreational skills series. The program is at 2 p.m. at the nature center, A1A at the north end of Singer Island. Cost is $3.25 per car. Reservations suggested. Call 624-6952.

Dec. 28. Okeeheelee Nature Center teaches introductory canoeing for adults and youths 12 and up (12 to 15 with adult). The clinic is from 9 a.m. to noon at 7715 Forest Hill Blvd., West Palm Beach. Cost is $10. Preregistration and swimming ability required. Call 233-1400.

Dec. 31. Palm Beach Sailing Club takes a New Year's Eve ocean cruise followed by a raft-up on the Intracoastal Waterway in West Palm Beach. Reservations required. Call 848-9508.

Jan. 5. Friends of Jupiter Beach invites volunteers for beach cleanup from 8 to 9:30 a.m. followed by free breakfast. Meet at A1A at Marcinski Road, Jupiter. Call 745-0777.

Jan. 8. Renowned scuba pioneer Norine Rouse shows slides on sharks of Florida and the Caribbean before the Palm Beach County Reef Research Team. The free program is at 7 p.m. at Building 509 Fifth Street, a quarter mile north of Belvedere Road in West Palm Beach. Call 842-8624 or 640-4810.

Jan. 9. Skipper Don Landry discusses the basics of GPS navigation at 6:30 p.m. at BOAT/U.S. Marine Center, 1900 Okeechobee Blvd., West Palm Beach. Free. Call 684-4900.

Jan. 9. Palm Beach Sail and Power Squadron begins a four-week safe boating course. Classes are from 7 to 9:30 p.m. Wednesday at Palm Beach Lakes High School, North Military Trail at Shiloh Drive, West Palm Beach. Cost is $20 for materials. Preregistration suggested. Call 863-1461 or 746-3977.

Jan. 10 through 12. West Palm Beach Fishing Club 65th annual Silver Sailfish Derby features competition for sailfish, kingfish, wahoo, dolphin, tuna and cobia. Prizes include marine art, fishing tackle and trophies. Entry fee is $320 per boat for members and $420 for nonmembers. Call 832-6780.

Jan. 12. Canoe Outfitters of Florida leads a nature/history tour of the Loxahatchee River, Florida's first national Wild and Scenic River. The trip begins at 8:30 a.m. at Jupiter's Riverbend Park off Indiantown Road west of Interstate 95 and returns to the park around 12:30 p.m. Beginners welcome. Cost is $35 and reservations are required. Call 746-7053.

Jan. 12. North Palm Beach Recreation Department teaches the basics of sit-on-top kayaking for adults and children 9 and up. The clinic is from 3 to 5 p.m. at Anchorage Park, 603 Anchorage Drive. Cost is $15. Preregistration and swimming ability required. Call 841-3386.

Put your maritime organization and events aboard the Nautical Notebook. Activities must be open to the public. Call Harvey Rosenfeld at 640-4810.

No Closing Costs? Don't Believe It!

by Daniel Poulos, President, Home Loan Funding Corp.

I've been noticing lately the frequency of mortgage company and lender ads that tout "no closing costs" mortgage loans. I think this promotional tactic warrants some clarification. Most importantly, whether you are purchasing or refinancing, there are always closing costs, most of which are required by law. The question is: Whose pocket do they come out of, and how are they paid?

Generally, total required finance closing costs to buyer and seller range from 3 percent to 5 percent of the loan amount. The real estate contract clearly designates which party is responsible for each individual cost.

Consider this example: Joe and Mary Borrower are purchasing a home for $250,000 and wish to mortgage $200,000. The seller has agreed to pay the documentary stamps on the deed and the owner's title policy as is customary in Palm Beach County on a resale. They have discussed their personal financial situation with their mortgage broker and have determined that they would most benefit from a mortgage loan with no origination fees or discount points. Due to their excellent credit history, they have been offered a rate of 6.25 percent on a 30-year fixed rate with a principal and interest payment of $1,230. Closing costs on the loan have been estimated at $3,000.

"Hey, whadaya mean $3,000?! Big Ads Mortgage told me that their mortgage product has no closing costs! Why does this mortgage cost me $3,000 to close?"

Here's how it works. As previously declared, there are always closing costs. What Big Ads Mortgage (and any other mortgage company) can do is to adjust the rate of your mortgage to compensate for the closing costs. Specifically, if Bob and Mary agree to a rate of 6.625 percent, the broker will pay the closing costs for them in exchange for the higher yield on the loan.

Obviously, the big question is . . .

"How much does it cost to pay no closing costs?"

The Borrowers' payment on a $200,000 loan at 6.625 percent interest will be $1,281 instead of $1,230 at 6.25 percent. From here it's just simple math. It's costing Bob and Mary $51 a month for as long as they are paying this mortgage to have their broker pay their closing costs. Whether or not this is a good deal for Bob and Mary depends on a lot of factors. Much depends on their tax situation, how long they plan on staying in this home and what they plan to do with the $3,000 windfall generated by this creative financing.

A word to the wise:

At loan amounts below $100,000 the premium is not as attractive, and only careful calculations can determine the benefits. Also, "no closing costs" refinances present an entirely different set of circumstances and concerns.

Remember, the only real rule of thumb when you are researching mortgage loan options is that everyone's situation is unique and decisions should only be made after consulting a knowledgeable and reputable mortgage broker in your area. A responsible broker provides an invaluable service by taking the time to customize a program that fits your particular needs.

Additional information and assistance with any home financing questions are available free at Home Loan Funding Corp., 561-575-5626, with convenient offices in Jupiter; www.HomeLoanFundingCorp.com.

Off The Vine

5530 PGA Blvd., Palm Beach Gardens
• Telephone 799-6655

Off The Vine is a brand-new combination restaurant and gourmet deli shopping center. Off The Vine is a new enterprise by the owners of Café Chardonnay, No Anchovies and Frank's Sandbar. This venture undoubtedly will prove to be as successful as its predecessors.

Off The Vine is located in a quasi-business office/ condo complex. One enters the restaurant through the gourmet food center and dines in a faux French bistro setting. The dining room has wine rack walls, ladder back chairs, wooden tables and cast-iron chandeliers. Instead of bud vases, each table has a potted plant. The room buzzes with the conversations of its occupants.

Three different menus are offered at Off The Vine, depending on whether one is ordering breakfast, lunch or dinner. Its location makes this restaurant attractive to office workers and professional people, as well as the evening dining crowd.

The menu at Off The Vine is quite elaborate. Almost a dozen appetizers are listed, including unusual ones such as goat cheese with pears and escargot in garlic butter. Interesting salads are presented, along with a list of sandwiches and wraps for the lighter appetite. Selections on the dinner menu include New York strip steak, chicken, fish, duck and several pasta dishes.

We began dinner with the French onion soup in a crock with Gorgonzola cheese. The onion soup was an excellent introduction to dinner, cheesy, not too much crouton and very flavorful. The soup of the day that evening was French split pea. This soup was innovative in that the ingredients were pureed, and it was served with a few fresh peas floating on the surface as a sort of garnish. Our choices for dinner were the spinach and wild mushroom stuffed chicken breast with asparagus and tomato risotto and the pan-seared tilapia with mustard chives and asparagus. The spinach and mushrooms added their flavors to the chicken breast and served to keep the meat moist. The asparagus (served on both dinners) was done to perfection, at the proper firmness. The combination of tomato and rice results in a mushy offering, not at all light and fluffy.

The pan-seared tilapia, without exaggeration, was outstanding - one of the tastiest presentations of fish that I have encountered in a long time. Tilapia is a delicious fish ordinarily. My dinner was served both with generous portions and a beautiful presentation. The fish had a wonderful crisp exterior and was snow-white on the inside. I inquired about the way it had been prepared and was told that a special grill is used that browns both sides of the fish simultaneously.

Served with the tilapia was a Mornay sauce, which I hardly tasted. Our dinners were so satisfying that we skipped dessert, and settled for cappuchino coffee instead.

Off The Vine serves wine and beer only, consistent with its image as wine cellar-bistro. As mentioned, the restaurant is open all day. The breakfast and lunch menus could rival those of a cruise ship, they are so elaborate.

On Thursday evenings from 6 p.m. on there is live music in the patio of the restaurant, weather permitting.

Prices at Off The Vine are moderate. Service is prompt. After dinner one can spend time in the gourmet shop surveying the bottles and cans of exotic foods on the shelves. All in all, Off The Vine makes for a very pleasant dining experience.

What A Day For A Parade!

by Anne Reilly

After days of rain, the skies cleared to give us our first fall day. Great timing for The Shores' HOA annual Halloween Parade and Spook Trail festivities! Lots of residents joined in the fun this year making it our biggest event ever. Kids of all ages donned makeup, wigs and costumes to walk up Long Shore Drive and wave at the spectators. Claudia Shea led the way with hundreds of smiling faces behind her.

This year two new surprises were waiting for our participants: a bounce house and pumpkin painting. Rose Lynch masterminded the pumpkin activities which were a big hit. Everyone enjoyed designing a pumpkin which they could take home and proudly display by their front door.

Our medieval bounce house was also a popular site for the little ghosts and goblins. The children bounced in that house for hours and probably would have continued into the night if it weren't for the rental agreement.

The cotton candy, a favorite treat, was provided by Ann Clarke. She worked so hard keeping people happy that she started to look like cotton candy by day's end. She served close to 200 people!

Traditional favorites were back again. Pam Thomsen and John McDonnough, our vampire couple, scared all our little Halloween creatures. Sue McPeck, our witch, kept everyone happy with fresh, delicious apples. Melissa Kelly, our scarecrow, was busy keeping the hay lined with treasures. Last but not least, Beverly Ugles and Stacey Reich kept activities flowing and my husband, Kurt Saari, was instrumental in setup and cleanup.

Thanks to all and see you next year!

When The Person You Love Is Critical

by Jon Connelly, LCSW, BCD

Barbara, a woman in her late 20s, came to see me on the advice of her physician. The doctor was concerned because Barbara's emotional turmoil was interfering with her ability to sleep and had decreased her appetite to the point that she was hardly eating and losing too much weight.

"I have two small children," she told me. "My husband and I have not been getting along, and the situation has gotten so bad that I often wish we weren't together."

Barbara went on to say that her own parents got separated and divorced when she was in her early teens. "I was devastated by it," she said. "When I got married I swore to myself that I would never let anything break us up, particularly if we had children. The thought of breaking up my marriage is just horrible to me. It goes against everything that I believe in, yet things between us have been so bad that I don't see how we could ever be happy together."

Barbara begged her husband to see a marriage counselor but he absolutely refused. "He doesn't believe in counseling. He thinks it's stupid and that it wouldn't do any good."

Many people are under the impression that unless both partners are willing to seek help together, nothing can be done to put a relationship back on track. This is far from true. One person can make changes that can profoundly affect a relationship, even if the other partner completely refuses any type of help. In order for things to stay the same, it would require that both people continue to do what they have been doing. If the behavior of one person were to change, things would have to be different.

Barbara thought it would be hard to change her behavior since she was reacting to things her husband said and did. "What should I do," she asked me, "keep it all inside?" "If I do that I will just explode!"

The answer is not to "keep it all inside." Rather, it is possible to change your emotional response to criticism. When this happens your behavior changes automatically. Barbara was willing to take control of the situation. I used a hypnotic process that changed her emotional response to his criticism. She felt and acted differently, causing her husband to feel, act and react differently as well. The good news is that their marriage is working again. They are enjoying each other and even having fun and she has a wonderful sense of accomplishment.

Does Criticism Destroy Your Self-Esteem?

Do you feel a strong emotional and physiological response to being criticized? Do you try to defend yourself? Do you take it personally? Does it destroy your self-esteem? Do you try to convince your partner that the criticism is not fair? Do you offer excuses? Are you likely to respond by criticizing back? These methods don't work. Instead, they escalate the problem and cause additional anger and frustration.

Ultimately, you want to be happy with the individual you have formed your most important relationship with and you want your partner to be happy with you. Criticism can't do you any harm. It is only the perception of what is said that can hurt you - and that you can change. Changing your perception is far easier than changing someone else's behavior.

When your partner criticizes you, you may or may not be getting information about yourself, but you are certainly getting information about him or her, and information is power. By way of an analogy, think about psychologists who use an inkblot test to learn about people. They show the client a funny picture that is basically a blob of ink. The client then tells the psychologist what it looks like. In this way the psychologist is not learning about the inkblot, but about the person talking about the inkblot.

When someone is criticizing you, just think of yourself as the inkblot, realizing you are learning about the other person. The more you know about the person, the better off you are. Also, as you demonstrate your interest in understanding rather than reacting defensively or with a counterattack your partner's anger is likely to fade. Finally, you have saved yourself the frustration that comes with trying to share your thoughts and feelings with someone who at that moment simply cannot hear you.

Criticism Does Not Have To Hurt

Most people assume that a negative emotional response to being criticized is natural and unavoidable but this is not true. There are certain factors that have to be in place in order for criticism to have a negative effect on you. In order to be troubled when criticized you must either agree with the criticism and feel badly about it or disagree with the criticism and believe it is wrong for the other person to have a negative opinion and give voice to it.

How can you change your response? If you agree with your partner's criticism just realize that there is no reason to expect perfection from yourself. You can then decide whether or not you want to change this aspect of your behavior. If you disagree just realize that he or she has an opinion different from your own. Do your best to learn even more about the way he or she thinks and feels. Look for a solution that will provide a mutual win so that each of you can be satisfied.

Don't you have a right to be upset? What if your partner's criticism is really insulting? Imagine that you and your partner were taking a walk and he or she fell into a hole and got trapped. Do you have a right to jump into the hole and get trapped as well? I guess you have the "right" but what good would it do? If you get upset then you are both in the hole.

Shifting your emotional response to criticism will enable you to understand what would be of value and discard what is of no value without experiencing a painful emotional response. Rehearse by imagining you are calm and relaxed while receiving critical comments from your partner. Imagine being no more affected by criticism than a tree would be affected by a breeze. It is much more effective to make changes by imagining how you would like to respond than it is to try to control your emotions and behavior at the time that you are being criticized.

If you are not able to change your emotional response on your own it might make sense to consult a professional who is an expert in this area. Changing your response to criticism can have a wonderful effect on your relationship and your life.

About Jon Connelly, LCSW, BCD

Thousands of mental health professionals including psychiatrists, psychologists, clinical social workers and counselors have attended Jon Connelly's advanced and innovative hypnosis-training seminars. He has more than 25 years experience and is board certified in clinical hypnotherapy, clinical social work and sexology. You can schedule a free private consultation, attend a free workshop or arrange for him to speak to your group or organization by calling Jupiter Medical Center's Mind/Body Institute at 561-745-5665.