PGA AUGUST 2025

PGA POA Communications Corner

Submitted

by

Gail Coppage, PGA POA Communications Committee

Stormy Skies

This is your friendly reminder to have a plan in place for the potential of difficult weather during the summer months in South Florida. The PGA National POA Website (www.pgapoa.com) offers hurricane information and handy tips. You can find the hurricane handout in the left-hand column of the POA website homepage, under Docs and Forms. Being prepared and understanding what you need to do ahead of time will make dealing with summer storms less stressful.

Trimming And Removal Of Landscaping Debris

If you own a single-family home, the summer months are an especially good time to walk through your yard and determine which landscaping plants and trees might need to be trimmed. Oftentimes just prior to a significant storm announcement, residents and landscapers spend significant

time trimming shrubs, trees, etc. and suddenly you can see large mountains of landscaping debris along streets. Don’t wait until the last minute to take care of necessary trimming. And remember to check the weekly schedule for the Palm Beach Gardens Waste Removal, especially the days of the clam truck pickup for large-scale landscaping debris removal. Residents of single-family homes must put out debris only one day before the scheduled clam truck pickup. If you are a condo resident, take care to check the areas around your condo complex. Let your COA Property Manager know about any landscaping issues now, such as fallen tree branches, dead trees and broken tree limbs. If you see any other landscaping issues in PGA National while out and about enjoying our beautiful acreage, please notify Dawn at the PGA POA Office. Dawn can be reached at: (561) 627-2800 or by email at dawnl@langmanagement.com.

What Is Ganoderma?

Speaking of landscaping, the photo at the right shows what happens when a Ganoderma infected tree is cut down and the stump is left in place.

Ganoderma is an infectious disease that kills palms (and some other species of trees). Please note that POA ARC approval is required for any tree to be removed, even

Commissioner’s Update

More Than Books: Everything Your Palm Beach County Library Offers

By Mayor Maria G. Marino

Libraries have long been regarded as cornerstones of communities, offering not just access to books, but a wealth of resources that enrich lives, promote lifelong learning, and strengthen neighborhoods.

The Palm Beach County Library System exemplifies this role, offering a robust catalog of services that extend far beyond the traditional idea of shelves lined with novels and encyclopedias. Recently the Palm Beach County Library System has been recognized by the Florida Library Association as the winner of the 2025 Maria Chavez-Hernandez “Libraries Change People’s Lives” Award. This honor highlights the library’s commitment to fostering community engagement and providing valuable resources for individuals of all abilities.

Expansive Digital Offerings

A great advantage of our library is its expansive digital

library, which makes knowledge and entertainment accessible anytime, anywhere. With just a library card, residents gain free access to eBooks, audiobooks, magazines, and streaming media through platforms such as cloudLibrary, hoopla, Flipster, and Freegal.

• cloudLibrary lets users borrow thousands of eBooks and audiobooks, plus access magazines and newspapers from around the world.

• hoopla is a treasure trove for entertainment lovers, offering instant access to free movies, TV shows, comics, music, audiobooks and eBooks.

• Flipster offers digital magazines across a wide range of interests—from cooking and fitness to news and fashion. All titles are available instantly with no holds or waiting lists.

• Freegal allows access to about 18 million songs. The collection has music from over 93,000 labels with music spanning more than 90 countries.

For those on the go, or unable to visit a physical branch, these resources allow users to enjoy reading or viewing content from their phone, tablet, or computer.

Summer Activities

Palm Beach County Library branches host hundreds of programs every month for children, teens, adults, and seniors. These include story times, book clubs, author talks, financial literacy workshops, English language learning classes, and tech training. Event schedules for all library branches are updated monthly.

Residents are invited to join the 2025 Summer Reading Challenge at the Palm Beach County Library System. Children, teens, and adults can earn prizes by reading and participating in fun activities. Visit any Palm Beach County Library System location and sign up between June 2 and July 31 to receive an activity log. Complete it and return it

if infected , but the approval letter is clear that the stump must be removed or ground when the tree is cut down. One reason for removing/grinding stumps of diseased Ganoderma trees is that the disease remains in the stump and the spores released from the conch (mushroom looking disease growing in the middle of the stump) can become airborne and infect other trees. Check your property for any diseased trees and speak with your landscaper or a tree expert about next steps and remember to contact the ARC for approval before dealing with this issue.

TAKE NOTE! Northlake Road Closure To Repair Railroad Crossing

Palm Beach County Commissioners recently approved the work request of the CSX Railroad to repair the railroad crossing at Northlake and Beeline Highway this summer. It

to receive a prize (while supplies last) and enter the grand prize drawing.

Additional Resources

The Library System also serves as a bridge to social services, hosting outreach events with local nonprofits and county agencies. From tax assistance to voter registration, the library is a resource hub for more than just books.

Once again, Palm Beach County has partnered with the School District of Palm Beach County to provide free summer lunches to all children ages 18 and younger. The free summer lunch program starts June 3 through July 25. Lunch is served at all library locations, Monday to Friday, 11:30 a.m. to 12:30 p.m., and snacks are available from 2 to 4 p.m. Visit www.pbclibrary.org/locations for a list of all library locations.

Additionally, each child (ages 18 and younger) is eligible for one free weekend meal kit every Friday while supplies last. Each includes kid-friendly, nutritionally sound and culturally appropriate food sponsored by the Palm Beach County Food Bank. Participating north area libraries are Gardens Branch, Jupiter Branch and Tequesta Branch.

Professional research librarians can help you find reliable information on any topic: in-person, over the phone or through our website. Most branches offer in-person BookA-Librarian sessions for one-on-one assistance.

Meeting Spaces And Technology Access

Many branches offer free meeting rooms and study spaces. Free Wi-Fi, public computers, and low-cost printing services are available at every location, helping ensure all residents can stay connected, regardless of their personal access to technology.

If you live in Palm Beach County and haven’t signed up yet, please visit a Palm Beach County Library location and sign up for a library card today! For more detailed information contained in this article, please visit www.pbclibrary.org. If my office can be of additional assistance, please call (561) 355-2201 or contact me at mmarino@pbc.gov.

Mayor Maria G. Marino is the District 1 Commissioner and is the current Mayor of Palm Beach County.

PGA POA Communication Corner from page 1

is expected that the closure will commence at the end of July and will take approximately eight full days into early August for work to be completed. Traffic going west of Beeline Highway on Northlake Blvd. will need to take Okeechobee Blvd. or Southern Blvd. (south of Northlake) then use State Route 7 and follow detour signs to get to Ibis, Avenir and other communities west of Beeline Highway. The PGA POA will notify residents with any other specific instructions, if needed. Please plan to avoid this intersection for the repair work period. We want our residents to remain safe as we all deal with the impact of a road closure adjacent to PGA National. Patience is a virtue, so please be alert, patient and prepared.

In the Neighborhood with Palm Beach Gardens Mayor Marcie Tinsley

Did you always live in Florida? I have lived in Palm Beach County since 1983. I grew up in Wellington and rode horses down Forest Hill Blvd., before Wellington was an incorporated Town. I was in the first graduating class of Crestwood Middle School (Wellington didn’t have any schools back then) and graduated Forest Hill High, Palm Beach Community College and attended FAU, all local schools. I have lived in Palm Beach Gardens since 2003, and my husband and I raised our 3 children in our beautiful city. We also lived in North Palm Beach and West Palm Beach prior to settling in Palm Beach Gardens.

What is your current occupation? I am the VicePresident of a Property Management Company (Karl Corporation, Inc.) and Councilmember for the City of Palm Beach Gardens. My duties as Vice President include Property and Business Management, Land Planning, and Strategic Planning. I received an associate’s degree from Palm Beach State College, received a Horticulture Certification and attended Florida Atlantic University.

Did you have any previous political experience or with public boards/committees? I served as an Evergrene Community POA Board Member, Palm Beach Gardens Recreation Advisory Board Liaison, Treasure Coast Regional Planning Councilmember, Palm Beach County Transportation Planning Agency Board Member, current and past Palm Beach Gardens City Councilmember, and current Mayor of Palm Beach Gardens.

What inspired you to run for this position and how does your experience prepare you for it? I began serving my community while in high school volunteering at Alamanda Elementary School, in Palm Beach Gardens. Those years taught me how to advocate for what I believe in. I continued my public service advocating for the 963 residents of my community where I personally solicited the help of the City to hold a one-million-dollar bond until the developer fulfilled all construction obligations stipulated in the approved development order. Years later, I solicited the help of our

Editorial Board

Editor: James A. Cioffi james@jcclaw.com

Feature Writers: Dawn Levinstein, POA Gail Coppage , POA Commissioner Maria Marino Katie Roundtree

Your editors strongly believe that the number of people who do become involved with any news medium directly reflects on that medium’s excellence, versatility and broad viewpoint. Therefore, we invite PGA residents to contribute articles or current, timely news items and/or “Letters to the Editors.” Articles/letters are subject to editing and editors’ right to publish. Submission must include writer’s name, address and telephone number. Unsigned articles /letters will not be published. Opposing views to article viewpoints contained in this paper are welcome. Articles do not necessarily represent the viewpoint of the C.A.N.! organization. Submissions should be emailed for consideration by the tenth of each month for the following month’s publication (example: by January 10 for February publication) to: James@jcclaw.com or Katie@seabreezecommunications.com

Police Chief, Mayor, and County Commissioner to help move a dangerously located bus stop, where 80+ elementary school children stood alongside a busy 6 lane highway, to a much safer location inside our community. While that seemed like an easy task, it took 2+ school years and a lot of persistence. Subsequently, the community and City leaders encouraged me to run for office.

How do you feel about serving as Mayor of Palm Beach Gardens? It is an absolute honor and privilege being nominated Mayor of the City we all love. I was drawn to Palm Beach Gardens because of its lush landscape, vast preserve areas and “gardens” setting. Landscape and the arts are my passion and hobbies, so I guess that is why I was drawn to Palm Beach Gardens. We lived literally across the street from the PBG line in North Palm. Several years ago, I attended a United Land Institute Conference and saw the master plan for the Evergrene Community and was lucky enough to tour the community when under construction. A couple of years later, my husband surprised me by putting a down payment on a new house … and here we are 20+ years later and living in our second home in the Evergrene Community (downsizing to a house around the corner when the kids moved out). What challenges do you see ahead for Palm Beach Gardens and this area?

As a City Councilmember and current Mayor, I feel there are challenges facing the city I want to help address. I want to assure our city grows in a thoughtful manner inclusive of economic development and the best quality of life we can provide our residents. As a resident of Palm Beach County since 1983, the Vice-President and Land Planner for a local land management company, past POA board member, and my past 9 years of city council experience, I understand the challenges that our north county faces and how it affects our residents and businesses. I have learned to listen to all sides of an issue, to collaborate, and to sometimes think outside the box, for the best outcome for all. It takes strong and forwardthinking leadership to collaborate and create a prosperous and diverse economy. Once you have qualified regional leadership in place the other three outcomes can be more easily achieved. A prosperous economy and sound regional leadership will also help achieve a more resilient and connected region and thus a high quality of life becomes a reality.

In my opinion, the 5 most critical issues facing the PALM BEACH NORTH COMMUNITIES are:

1. Growth and traffic concerns /congestion and mobility opportunities

2. Affordable / Attainable housing

3. Multi-jurisdictional and governmental coordination and communication

4. Climate resiliency and infrastructure investment

5. Maintaining and growing our Quality of life – such as a diverse park and recreational opportunities, achieving FEC quiet zones throughout the north county, and a supportive school system. Our City has over 50% greenspace and I want to make sure it stays that way!!

What are your thoughts about the tax rates? As the Vice President of a company and Councilmember during a recession, I learned to be very fiscally responsible. As a Palm Beach Gardens City Councilmember, I supported and voted to lower the city’s millage rate for the past three years. Prior to that, I lobbied and encouraged our Council to reduce the millage and instead of spending, give real dollars back to our residents and businesses. In fact, we lowered the millage rate 9 times in the past 10 years. As you know, council decisions are based on the majority. One person can’t accomplish much without the majority in agreement. I have been privileged to have similar minded colleagues when it comes to what’s in the best interest of our City.

What’s next? Fortunately, the City of Palm Beach Gardens is in a very well-funded fiscal position. To maintain this status, we will continue to monitor spending and taxes and grow our reserve funds when needed. We must keep a close eye on current legislation from the State and Federal Governments as it affects our budget as well. FEMA funding and disaster relief may not be covered in the future, and therefore, we will have to increase our reserve funds accordingly. Sales tax and property taxes are another legislative initiative we must closely monitor.

Thank you for the opportunity to share my interest in Palm Beach Gardens with residents of PGA National! Please visit the Palm Beach Gardens website for lots of great information, updates, meeting schedules and contact information (https:// www.pbgfl.gov).

Enjoy a happy, healthy, hot and humid August in South Florida! Stay safe and stay cool!

From The Editor: Man’s (and Woman’s) Best Friend…

“I wonder if those 2 girls are sisters with their parents,” she thought as she saw them approach. The man pointed to her and said, “Jeanmarie and Christina, there she is.” Jeanmarie with blond hair and blue eyes was 12 years old, while Christina with brown hair and brown eyes was 9 years old. They were excited to meet their new “sister” for the first time and hold her in their arms. Toya was an eight-week-old Maltese dog that joined their family that day.

I was waiting at their home along with my mother when they arrived with Toya. Jeanmarie and Christina are my nieces and now I became Toya’s “uncle.” Toya grew to become only 7 lbs. but the effect she had on our lives was immense. Throughout the years, Toya consistently greeted me at the front door with a giant welcome while letting me know she wanted me to pick her up. She is in most of our family photographs because she was in integral member of the family. Toya developed a close relationship with my mother because my mother would gladly take Toya for a walk and give her treats – more than the veterinarian would recommend! Dogs have an innate ability to know if one of us is ill or is need of attention. My mother experienced Alzheimer’s Disease the last 5 years of her life. As my mother’s health began to fail, Toya was her constant companion. She would follow my mother as she walked from one room to the next and Toya would snuggle next to her in bed or on the sofa. Toya knew when it was time for bed. At 10 pm Toya would stand before us and stare at us until we started to walk to my mother’s bedroom. My mother would tell me that Toya would sit by the front door beginning at 6 pm each evening waiting for me to return home from work. She had an internal clock that she communicated to us. My mother passed away at home on Good Friday in 2003. Toya was by her side. After my mother drew her last breath,

Toya walked out of the bedroom. It had been an extraordinary relationship between two extraordinary beings. It took a long time for Toya to adjust to life without my mother. She felt the loss as deeply as the rest of us. We kept my mother’s blanket on an ottoman for Toya and that was the place Toya would rest during the days, weeks and years that followed. Toya will always hold a special place in our hearts.

Dogs have an uncanny ability to empathize with us. They sense our emotions and respond accordingly. A while ago I walked into a real estate office and met Suri, a 4 year old Shelty wearing a work scarf. Suri is a therapy dog who was adopted by Tina, a remarkable person. Suri approached me and I immediately gave her an affectionate greeting. Suri offered me her paw and I could sense her kindhearted spirit. A year ago Tina was at a veterinarian’s office in Wellington with her Shelty, Shayna. A girl walked in with another Shelty and advised that she found the dog roaming the streets. The girl hoped that the dog had a chip so that the owner could be located. Unfortunately, there was no chip. Tina volunteered to help find the owner, so she laminated signs and posted them all around Wellington. Days passed without any response from the owner. Then, Tina realized that the lost dog came into her life for a reason and adopted her. She named her, Suri, because she is a princess – with a “sweet soul.” Tina never envisioned having 2 dogs. But she sensed that Suri was directed to her at that visit to the veterinarian days earlier. Tina had been working with Hospice and nursing homes as a sales rep and decided to bring Suri with her one day. The patients immediately responded to Suri. Their eyes became brighter and their demeanor changed in a positive manner as they interacted with Suri. The patients sense Suri’s goodness and she has a calming effect on them. So now Suri touches the lives of those who need to know they are not forgotten. Suri reminds the patients that they can interact on an emotional level despite physical limitations. Samba is a golden Labrador retriever who lives with Paul, a Veteran who experiences Post Traumatic Stress Disorder (PTSD). Samba received her training from the not-for-profit organization, Puppies Behind Bars, Inc. It began when Gloria

Colorectal & General Surgery

Dr. Hayder Al-Azzawi is a colorectal and general surgeon specializing in robotic-assisted abdominal procedures, anorectal procedures and robotic abdominal procedures for a wide range of colon and rectal cancer, digestive and abdominal ailments including cancer and benign diseases such as diverticulitis, polyps and hernias.

Dr. Al-Azzawi and his experienced medical team offer treatment options using some of the most advanced techniques and specialize in same day discharge colon surgeries, that may benefit patients with an easier, more comfortable recovery.

Procedures Performed and Conditions Treated:

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To make an appointment call 888-214-3483 or scan the QR code

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Gilbert Stoga decided to train dogs for the blind. A veterinarian suggested to Gloria that minimum security prison inmates would make great puppy raisers because they have unlimited time to spend with the dogs and the inmates would benefit by learning patience, what it is to be solely responsible for raising another living being, how to give and receive unconditional love and how to work as a team. In 2006 they launched the program, “Dog Tags” to train service dogs for those who have served our country in the Iraq and Afghanistan wars with physical injuries, traumatic brain injuries or PTSD. The puppies remain with the inmates for 16 months while they are socialized and then they receive specialized training in schools. After the training, the dogs are ready to serve. Veterans such as Paul with PTSD can experience flashbacks and react violently if they are startled in everyday situations. Samba has been taught to alert Paul when someone is approaching who may not be in Paul’s line of sight. In supermarkets, Samba looks around corners in front of Paul and stands behind him in the checkout line. These service dogs have the ability to heal emotional wounds and their presence encourages those around them to rise above their circumstances. The service is free of charge to the Veterans and the organization provides follow up service. Please visit the website puppiesbenindbars.com for more information. The organization provides service dogs for veterans and first responders, facility dogs for police departments and an explosive-detection canine program.

If you have a dog like Suri with a calm nature that interacts well with others, please consider sharing her or him with patients in our local nursing homes and rehabilitation centers or maybe visit a senior citizen who is homebound. The unconditional love will lift the spirits of those who are experiencing daily challenges. You will remind those whose lives you touch why dogs are appropriately referred to as Man’s (and Woman’s) Best Friend. Until next month… James A. Cioffi, Editor james@jcclaw.com

P.S. If a pet has changed your life and you would like to write a Letter to the Editor, please submit the story to me.

PGA Community News is looking for writers to contribute community related content. If you would be interested in submitting an article please email potential articles to: James@jcclaw.com or Katie@seabreezecommunications.com for consideration.

Ask The Juris Doctor

By James A. Cioffi J.D., Attorney-At-Law

Fines by Homeowners’ Associations

Dear Juris Doctor;

I was told that the development I live in has no way to enforce their rules. To levy a fine on a homeowner was never in our original documents. Other than a 75% vote of approval of some type of “fining committee,” is there a way the Board of Directors can impose fines so homeowners will take care of/fix their properties that are out of compliance?

Thank you, Norman

Dear Norman;

Homeowners’ Associations are governed by Chapter 720 of Florida Statutes and Condominium Associations are governed by Chapter 718. The Declaration of Covenants, Bylaws, Articles of Incorporation and Rules & Regulations are the documents which govern

Homeowners’ Associations and the homeowners – along with any amendments to those documents. Florida Statutes Section 720.305 provides for the levying of fines against homeowners, tenants, guests or invitees. A fine may not be imposed without at least 14 days’ notice to the person sought to be fined and an opportunity for a hearing before a committee of at least 3 members appointed by the board who are not officers, directors or employees of the Association. The section of the Statute provides further details regarding the fines and procedures. The Statutes must be viewed in conjunction with the Association documents. There are attorneys who specialize in Community Association law and I recommend you consult with an attorney to review your specific Homeowners’ Association and the issue of fines.

Sincerely, J.D.

If you have a legal question in the area of real estate, mortgage modifications, estate planning, wills, trusts or probate, please submit it to this newspaper at james@ jcclaw.com.

The Quiet Science Of Water And Sound

By Carla Alexander, Founder And CEO, Healing Life Technologies

Palm Beach Native

Columnist And Care

Advocate

A Gentle Ripple Forward

Last month, I introduced the idea of harmonic awareness—a way of understanding how our bodies, homes, and moods are shaped by the frequencies around us. It’s not a trend or a belief system—it’s a biological truth, and a subtle art.

This month, I’d love to go a step further and share a simple practice you can try right at home: a combination of water and sound that’s supported by both science and ancient wisdom. No gadgets. No cost. Just intention, presence, and curiosity.

1. Why Water Is A Living Recorder

Modern spectroscopy shows water’s molecular bonds re-arrange under different vibrational inputs (heat, pressure, sound). Indigenous wisdom simply says: Water remembers. When you stir a pot of soup and taste “love,” you’ve encountered that principle. So let’s use it on purpose.

Try This:

• Fill a clear glass with filtered or spring water.

• Hold it at heart level. Take one slow breath.

• Whisper a feeling-word into the water—“calm,” “clarity,” “comfort.”

• Drink slowly. Notice taste, mood, and body sensation over the next five minutes.

2. The Low, Steady Hum Trick

Many caregivers—from parents to dementia companions— have noticed how a low, steady hum can calm the nervous system. There’s a simple reason: a hum in the 100–200 Hz range vibrates the chest cavity, nudging the vagus nerve toward parasympathetic (rest-and-digest) dominance.

Translation: Your biology thinks “Ahh, safe now.”

Caregiver Tip:

Next time an elder with dementia feels agitated, sit beside them and hum a single comfortable note—mouth closed, exhale gently. Let your own body relax first; the resonance will do the rest.

3. Water + Sound = On-Demand Reset

Combine the two practices for a rapid “reset ritual”:

1. Bless & sip a small glass of water.

2. Immediately hum (or play) a low tone for 60 seconds.

3. Allow two slow breaths of silence.

I call this the 60-Second Re-Harmonize. Try it after a tense phone call, before homework with the kids, or as a shift-change ritual for professional caregivers.

4. Tuning The Household Field

Harmonic awareness isn’t about perfection; it’s about tending the atmosphere. Here are micro-adjustments that add up:

5. Science Meets Soul—Briefly

For the skeptics in the family: Peer-reviewed studies show low-frequency vibration improves heart-rate variability, while even brief mindful sips of water shift salivary pH toward alkaline.

The ancients phrased it differently: “Sound is the first healer, water is the first mirror.”

Both mean the same thing—life tunes itself when given the right note.

6. Invitation And Next Steps

Over the coming months we’ll explore light frequencies, color, and even garden design through a harmonic lens. For now, a few invitations:

• Notice the pitch of your home tonight—TV chatter, appliance buzz, voices. Could one sound be softened or replaced with a calming tone?

• Carry a small stainless bottle; bless the water each refill. Treat it like the living partner it is.

• Keep sharing your experiences. Your stories shape future columns and help our community remember what it already knows.

Until next time, may every sip sing and every hum heal.

Daily Moment Simple Frequency Choice Why It Helps

Morning shower Sing a single vowel (ahh or ooh) Resonates chest and sinuses, primes breath

Mid-afternoon slump Drink charged water, tap glass gently to ring

Combines hydration with 500–800 Hz tone—calm alertness

Evening winddown Play 60 Hz fan or brown-noise app Mimics distant ocean rumble, lowers cortisol

With you in the field, Carla Alexander, Palm Beach Native, Founder and CEO, Healing Life Technologies, © 2025 Healing Life Media. All rights reserved.

Garage sales & yard sales are NOT allowed in PGA National.

SALES SALES

Specialized Urology Care

When problems with the kidneys, bladder, prostate and reproductive organs arise, Palm Beach Gardens Medical Center’s board-certified urologists are here to serve our community with some of the latest treatment options.

Conditions and Treatments:

• Urological Cancer

• Urinary Infections

• Reconstructive Urology

• Prostate Conditions

• Bladder Conditions and Incontinence

• Kidney Stones

• Erectile Dysfunction

Scan the QR code or call 855.897.1874 to find a urologist.

• Infertility

• In-House Stone Surgery

• Penile Prosthetics and Erectile Dysfunction Treatment

• Targeted MR Fusion Prostate Biopsy

• Robotics-Assisted Urology Surgery

Free Program For Fathers And Kids Ages 6 To 11

Center For Child Counseling Is Offering A 13-Week Program To Help Youth And Empower Their Father Figures

Center for Child Counseling (CFCC) is supporting fathers and father figures in building stronger bonds with their children. Through the agency’s Stop Now and Plan (SNAP ® ) program, a new fatherhood initiative offers tools and guidance to help fathers grow as parents and role models. Fathers and their children, ages 6 to 11, are invited to join the free 13-week evidence-based program. Groups begin Aug. 18.

The program aims to help youth and their father figures improve communications, pro-social skills and family relationships. It is funded by the Florida Network of Youth and Family Services as part of its Father First initiative.

Reminder From

Palm Beach Gardens Police Department

Adopt These Habits To Prevent Vehicle Burglaries

• Please lock your vehicle doors every time – even for a quick stop or at home.

• Never leave items of any kind inside your vehicle. Hiding items doesn’t work!

• At a minimum, if you must leave items, place them in your trunk.

• Cell phone/iPod power cords, GPS holders and other key sets act as neon signs.

• Park in well-lit areas, stay alert and call in any suspicious activities to the police department nonemergency number: 799-4445.

According to Stacy Gromatski, CEO of Florida Network, “We are excited to partner with the Center for Child Counseling in helping fathers and father figures in our lives to learn, grow and push toward being better every day with the right resources, encouragement and connection. We stand together with all dads, showing that perfection isn’t the goal, but being present is.”

The SNAP® Fatherhood Groups are open to any father, stepfather, grandfather, uncle or male caregiver of a child who wants to strengthen their relationship and parenting approach.

If you are interested in learning more or have questions about the program, please email SNAP@ centerforchildcounseling.org.

For more information about the Father First initiative, visit fatherfirstfl.com.

Center for Child Counseling has been building the foundation for playful, healthful and hopeful living for children and families in Palm Beach County since 1999. Its services focus on preventing and healing the effects of adverse experiences and toxic stress on children, promoting resiliency and healthy family, school and community relationships. Visit our website www.centerforchildcounseling. org or Twitter: @ChildCounselPBC, Facebook: @CenterforChildCounseling or Instagram: @ childcounselpbc.

Not all advice is equal.

Burns Wealth Management Group

The 41st Edition Of The ArtiGras Fine Arts Festival Now Accepting Artist Applications

Festival Will Run Feb. 14 To 15, Over Presidents’ Day Weekend 2026

As the ArtiGras Fine Arts Festival presented by Tampa General Hospital, heads into its 41st year, the festival is looking for talented artists to join in the fun February 14 to 15, 2026, in Palm Beach Gardens. ArtiGras is currently running their annual call of artists with applications available on zapplication.org.

Artists are invited to apply for jury selection in 12 fine art categories: ceramics, digital art, drawing and printmaking, fiber (wearable and non-wearable), glass, jewelry, mixed media, painting, photography, sculpture, and wood. ArtiGras awards over $15,000 in prize money, including a first-place winner in each category and one overall Best of Show.

ArtiGras also offers the “Emerging Artist” category for local artists. This program offers selected developing artists mentoring services, professional booth photos and complimentary tent rental. Qualifications include artists who have never exhibited in a show and reside in South Florida. Emerging Artist applicants should proceed in the same manner as professional artists and submit their artwork online through zapplication.org.

Known as one of the nation’s top art festivals, ArtiGras, in Palm Beach Gardens, Florida, annually attracts tens of thousands of art lovers and collectors. The two-day outdoor festival, produced by the Palm Beach North Chamber of Commerce, showcases a juried exhibition of gallery-quality art and offers a unique opportunity for visitors to interact with and purchase directly from the artists.

Deadline for artists to apply online for inclusion in ArtiGras is Wednesday, Sept. 24, 2025. Artists can email

artists@artigras.org, call (561) 748-3942 or visit www. artigras.org for more information.

Along with more than 250 onsite artists, the 41st edition of ArtiGras will feature interactive art exhibits, children’s activities, live music, and a youth art competition among food and art demonstrations. For more information visit www.artigras.org.

The Pet Cottage Post

The Heart Of Belonging: Life’s Sweetest Season, Shared

By Wendy Derhak, Founder of The Pet Cottage

At 91 years old, Norma could have been told, “You’re too old for a dog.” But at The Pet Cottage, we believe in something different.

We believe that love has no age limit—and that the deep companionship between a senior person and a senior pet is something worth nurturing and protecting. Norma recently welcomed Ret, a 16-year-old poodle, into her home after his person passed away. They became fast friends, two old souls who found comfort, purpose, and joy in one another.

When You Support The Pet Cottage, You Make This Kind Of Bond Possible

We provide lifelong veterinary care and medication for the pets we place with our Forever Guardians—so people like Norma can say *yes* to love without worrying about the financial burden. Many of our Guardians live on fixed incomes, and while the financial support matters, our commitment goes beyond that. We are also there in emergencies, for check-ins, and whenever help is needed to ensure their pet can remain safely and happily at home. This wraparound support is what makes it possible to connect senior people with senior pets in a meaningful, lasting way.

That’s where we step in.

That’s what your support makes possible.

Every day, we care for pets who have lost their humans due to death, disability or deployment. Many of these pets are seniors themselves— graying muzzles, cloudy eyes, stiff joints—and often overlooked in traditional shelters. But at The Pet Cottage, they are cherished. They are promised a forever home.

Some stay at our sanctuary. Others are welcomed into loving homes like Norma’s. And we don’t just drop them off and wish them luck.

We tuck them in—with monthly check-ins, a network of volunteers, vet transport, emergency support, and more. We show up with heart and follow through with structure. Because being part of The Pet Cottage means being part of a pack. Whether you’re a Forever Guardian, volunteers like Lynn and Lisa (our incredible sister duo who show up every week), or a donor who believes in this mission, you are part of something meaningful. Purposeful. Needed.

You help people feel less alone. You give aging pets a place to land. You make it possible for someone like Norma to open her door, and her heart, one more time.

And in return?

You get to witness what it looks like when love comes full circle—and if you’re lucky, your heart just might grow three sizes bigger.

And if you feel called to do even more, we’re growing our team. We’re hiring a new Guardian support and operations coordinator to help us deepen our impact. If you’re passionate about people, pets, and purposeful work, we’d love to hear from you.

To learn more, become a Forever Guardian, make a donation, or explore how you can be part of The Pet Cottage community, please visit www.thepetcottage.org or call us at (561) 818-5025.

You’re also welcome to reach out directly to Wendy Derhak, founder and executive director, at wendy@ thepetcottage.org.

Together, we write a story where pets and people find each other at just the right time—and every chapter that follows is filled with love, connection, and the kind of belonging that makes life sweeter.

Palm Beach North Chamber Of Commerce Hosts

Annual Golf Classic To Support Local Entrepreneurs

The Palm Beach North Chamber of Commerce hosted its 13th Annual Chamber Golf Classic. Proceeds from the tournament benefitted the chamber’s Local Business Resource Center, a key initiative designed to help new entrepreneurs successfully launch and grow their businesses. Through workshops, mentorship, and resource sharing, the center plays a vital role in advancing the success of small businesses throughout the Palm Beach North region.

Neil Curran, Laura Curran

This event presented by Alvarez & Marsal was hosted at Frenchman’s Reserve Country Club and brought together

professionals and community leaders for a day of connection, friendly competition and support for local business growth. A highlight of the event was the Beat the Pro challenge, where Palm Beach County Mayor Maria Marino joined golfers on the course for a fun and friendly competition.

Drainage Information From Northern Palm Beach County Improvement District

Why do some yards flood after large quantities of rain? The simple answer is according to most approved drainage designs, some water is meant to be temporarily stored in public recreational areas, yard swale and streets. The excess surface water slowly drains to community lakes or on-site ponds via street and yard drainage grates and/or via swales, ditches and canals. The more complex answer is that each yard is different . Some yards have drainage swale areas. These are areas that are sloped to catch water and filter out pollutants as water is absorbed into the ground. Some yards direct water to the community drainage system as run-off with very little water retained in the yard. Familiarize yourself with how your yard was built to determine how water dr ains from your home.

“The Chamber Golf Classic is more than just a great day on the course—it’s about investing in the future of our business community,” said Noel Martinez, president and CEO the Palm Beach North Chamber of Commerce. “Thanks to the support of our sponsors and players, we’re able to continue providing the tools and resources that help local entrepreneurs thrive.”

Throughout the day, players enjoyed tournament staples like Hole in One, Longest Drive and Closest to the Pin contests, along with meals, raffles and plenty of camaraderie. The chamber extends its thanks to presenting sponsor Alvarez & Marsal, as well as all the players, sponsors, and volunteers who helped make the day a success.

To learn more about the Local Business Resource Center or upcoming chamber events, visit pbnchamber.com and pbnbiz.com.

For more information, visitwww.pbnchamber.com.

Start SAT Prep Early: Why Fall Is Best For Juniors

By Peggy Forgan, M. Ed., Class 101 Owner/ College Advisor

For high school juniors with college on the horizon, preparing for the SAT is a critical step and timing makes all the difference. While many juniors wait until spring to begin test prep, starting in the fall offers several key advantages that can lead to better scores and reduced stress.

First, taking a practice SAT in the fall of junior year gives students an early baseline to work from. It familiarizes them with the structure of the test, types of questions, and time constraints. With this insight, students can begin to identify their strengths and areas for improvement long before official test dates approach. This extra time allows for more targeted studying, fewer cramming sessions, and greater confidence going into the real test.

Second, fall prep also helps balance the demanding junior year schedule. Spring is often packed with AP exams, finals, and extracurricular responsibilities. Starting SAT prep in the fall spreads out the workload, giving students the ability to prepare at a more manageable pace. This reduces anxiety and increases retention of strategies and content.

Moreover, early preparation can open doors to scholarship opportunities and competitive summer programs that require SAT scores early in the year. Students who wait until spring may miss out simply because they weren’t ready in time.

Confidence is another major benefit. Students who start early feel more in control of the process and less overwhelmed as deadlines approach. With less pressure and more preparation, performance typically improves which can lead to more Bright Futures funding.

To support students, Class 101 North Palm Beach is offering a 6-week SAT prep course beginning Aug. 9. This course is limited to 10 students and is a strategic move that can give juniors a valuable edge in the college admissions process. Students will take a practice SAT test on Aug. 9 in order to receive a baseline score.

For more information or to register, call or text Peggy at (561) 418-7897, email pforgan@class101.com, or visit class101.com/northpalmbeachfl.

The Golf Learning Center

Physical Testing

By Tom F. Stickney II, Lead Teaching Professional Jonathan’s Landing

“I was a good athlete back in the day!” says the golfer 30 years removed from college days and 50 pounds ago yet their goal is to play golf at the highest level they can. Is this possible, can they actually improve or will their body even let them swing the club efficiently?

3-D motion analysis helps to identify your fundamental inefficiencies caused by stability and mobility issues.

What does this mean for the “average golfer” coming out for a lesson? They first must understand that poor mobility, stability, and strength are the root causes of their mechanical inefficiencies. The shape you are in physiologically is the judge and jury pertaining to how you swing the club; thus, if you want to improve you must begin by working on your body.

Thankfully for us golf specific fitness programs are now the rage – especially in Jupiter – the golf mecca of the United States. It all began with The Titleist Performance Institute (TPI) introducing us to using movement screening and physiological testing for golfers before trying to “fix” the client’s swing. With their lead we are seeing players – thanks to Tiger – using the gym to complement their practice time so that they can become more complete athletes first and better golfers, second.

As you look around Jupiter you will find that most country clubs have golf instructors and/or fitness trainers that possess certifications in golf fitness and there are even gyms that specifically cater to these types of programs such as Hit it Great (Joey D’s,) Ben Shear Golf Performance, and Lifetime Performance, etc. So, it is not hard to find a golf trainer that will help improve your body while we, the teaching professionals, work on your golf swing. Together we can help you get to the next level but one without the other makes the process much harder.

If you are having issues within your golf swing and need some assistance, I would first go through a physical movement screening at your club or one of the facilities listed above to help you (and your teaching professional) better understand why you “move” the way you do. From there you both will be armed with the correct information to help improve your golf swing while you are working on your golf-body … yes, this will take some time, but I promise you will be better off in the end. For questions or comments email toms@jonathanslanding.com.

Tom has been a full-time instructor for over thirty years and has taught at The Four Seasons, Punta Mita, in Mexico; Bighorn Golf Club, in Palm Desert, California; The Club at Cordillera in Vail, Colorado; and The Promontory Club in Park City, Utah, as well as several others. He was a fifteen-year recipient of Golf Magazine’s, “Top 100 Instructors in America” award, ranked as one of the “Best Instructors in Florida,” and is noted by Golf Digest as one of their “Top 75 International Instructors.” In his spare time, he enjoys scuba diving, playing golf, and learning more about the golf swing.

Special Edition: New South County Service Center

A Message From Anne M. Gannon, Palm Beach County

Tax Collector

There have been discussions and communications regarding our plans to build a new tax collector service center at 15560 Lyons Road in Delray Beach. While I appreciate hearing from residents with their concerns and questions, I want to share the facts so that we can move away from the misinformation and inaccurate assumptions that have been swirling around the community. So, here are the facts:

1. Traffic Congestion

A traffic study was completed that showed when the new building is completed, the traffic on Lyons Road is projected to be 1,608 peak hour trips. Peak hour trips measure the movement of a vehicle, in or out of a specific area, during peak hours, which are 7 to 9 a.m. and 4 to 6 p.m. The traffic study indicated that the capacity on Lyons Road will be 1,960 peak hour trips for the four-lane road. The study further concluded that traffic around the new South County location will remain within capacity limits. Therefore, traffic congestion is a non-issue.

2. Safety

Sex offenders are required to notify the state through the tax collector service centers to update their licenses under 943.0435 and 775.21, Florida Statutes. We have other service centers located near residential areas and there have been no safety incidents involving those individuals when visiting any of our other locations. These assumptions are being driven by fear and not current experience at any of our service centers. It is not fact-based information and is without merit and a nonissue.

3. Incompatible Land Use

Palm Beach County has zoned the property Agricultural Reserve, which permits the building of a new tax collector service center under strict architectural design,

setbacks, and building codes. In addition, the assumption that visitors to the tax collector’s office use public transportation and the lack of public transportation in this area is reason to not build is not supported by any data. The truth is that vast majority of individuals using our service centers are vehicle owners and licensed drivers and arrive by private vehicle.

4. Availability Of A More Suitable Alternative Site

The 5-plus acre parcel of land behind the library on State Road 441 that has been suggested by the residents on multiple occasions is not an option. County officials have advised that there are plans to utilize that parcel of property for other county projects so, contrary to suggestions, this property is not available, which was a contributing factor for ultimately choosing the Lyons Road property.

5. Impact On Farmers And Agricultural Activities

The facts are that the Lyons Road corridor has undergone a transformation that includes the development of what once was agricultural land. For instance, the Delray Marketplace retail development was once designated agricultural land use and was approved for this retail development. New home communities are either currently in development along Lyons Road or are being planned – all being built on agricultural reserve land. As reported in The Palm Beach Post article on June 6, 2025, GL Homes shelling out big bucks for Palm

Resale

and

Beach County development rights , “as vacant land becomes increasingly scarce in Palm Beach County’s Agricultural Reserve, GL Homes is offering hundreds of thousands of dollars per acre to acquire development rights that will allow it to build more homes in its upscale housing projects.” The article goes on to report that, “several property owners have also agreed to sell their development rights, but will continue to own their parcels, assisting GL Homes in its effort to add more homes at Valencia Del Mar. Among them is Lori Vinikoor, the president of the Delray Alliance of Residential Associations and a member of the Palm Beach County Zoning Commission.” 1

The Lyons Road corridor will be experiencing some development and growth and the idea that the building of a new south county service center will impact the agricultural area is absurd. This issue has no merit as there is no data that specifically details whether this building is any different than the other development and building that is currently underway or proposed for future use. In fact, a tax collector service center, unlike the existing and planned residential and commercial developments, will only be open from 8 a.m. to 5 p.m. on weekdays, and closed all weekends and county holidays. This further limits any traffic impact.

Special Edition: New South County Service Center on page 13

Samantha Fisher, M.D., F.A.A.D., sees patients of all ages at the Dermatology Associates in the Palm Beach Gardens office after more than 13 years of experience practicing medical, cosmetic dermatology and Mohs surgery for skin cancer treatment.

Dr. Fisher received her Medical and Bachelor of Science degrees with honors from the University of Florida, where she completed her postgraduate training, including serving as Chief Resident in Dermatology.

Her past professional experience includes providing Dermatology services to patients in Stuart , FL from 2013-2024, Naples, FL from 2012-2013, and as Clinical Assistant Professor at the University of Florida Department of Dermatology in Gainesville, FL from 2011-2012.

Dr. Fisher looks forward to providing you with excellent dermatology care.

Dermatology Associates of the Palm Beaches is a group practice of board-certified dermatologists and fellowship-trained Mohs surgeons providing general dermatology, surgical dermatology, and cosmetic dermatology services. These physicians trained at some of America’s great medical institutions and conduct research into the most advanced treatments. Our physicians are also recognized leaders in the diagnosis and treatment of skin cancer.

Advanced Urology Services At Palm Beach Gardens Medical Center: Meeting Men’s And Women’s Health Needs With Innovative Care

When issues with the kidneys, bladder, prostate, or reproductive organs arise, Palm Beach Gardens Medical Center offers trusted, expert care through its comprehensive urology program. Our board-certified urologists are equipped with some of the most advanced diagnostic and treatment tools to provide relief and improve quality of life for patients facing both common and complex urologic conditions.

Our services cover a broad range of urologic health concerns, including urological cancers, urinary tract infections, reconstructive urology, prostate and bladder conditions, kidney stones, erectile dysfunction, and infertility. Patients also benefit from advanced technologies such as robotics-assisted surgery and targeted MR fusion prostate biopsies for precise diagnostics and minimally invasive treatment.

A standout feature of the program is our in-house stone surgery service, allowing for rapid evaluation and treatment of kidney stones without the need for transfer or delay. Our specialists also offer penile prosthetics and other therapies for erectile dysfunction, providing individualized options for patients seeking restored function and confidence.

As part of our commitment to continuously expanding access to state-of-the-art care, Palm Beach Gardens Medical Center is proud to add Aquablation® therapy to its urology service line. Aquablation is a water-based, minimally invasive procedure designed to treat benign prostatic hyperplasia (BPH), also known as an enlarged prostate. This innovative technique uses a precise stream of water, guided by real-time imaging, to safely remove excess prostate tissue while minimizing side effects, including those related to sexual function.

Special Edition: New South County Service Center from page 12

6. Negative Impact Of Property Values

According to the Palm Beach County Property Appraiser’s office, property values in Palm Beach County rose 7.7% last year. In 2024, property values rose 9.6%, 13.5% in 2023 and 15% in 2022. Furthermore, when examining property values specifically for the Seven Bridges community, which is near the future site of the service center, property values since 2020 have risen 178%! In Westlake, where the tax collector opened a similar new facility in 2022 directly adjacent to residential development, property values have risen 675% since 2020! There is no evidence that property values in the

area around the new south county service center site will be negatively impacted. The trend in Palm Beach County suggests the opposite – that property values will increase.

7. Environmental Concerns

(See No. 5 above). The design and building of the new south county service center will be built according to the strict building codes to ensure proper drainage. In addition, the entire site will be complemented by native Florida landscaping that will ensure the integrity of the appearance of the facility and align with all environmental concerns. The assumption by the residents that “adding another large-scale project could further strain local

“Adding Aquablation therapy to our treatment options allows us to better serve men struggling with symptoms of BPH who may not have responded well to traditional therapies,” said Dr. Sean Sawh, board-certified urologist on staff at Palm Beach Gardens Medical Center. “It’s a major step forward in helping patients regain comfort, improve quality of life, and avoid long-term complications.”

At Palm Beach Gardens Medical Center, our goal is to deliver personalized, advanced care close to home. Whether it’s through traditional surgical methods, roboticassisted procedures, or breakthrough treatments like Aquablation, we are committed to supporting our patients every step of the way on their path to better urologic health.

For a free urological referral, please visit: https:// www.palmbeachhealthnetwork.com/services/urologycare/request-a-urologist-referral.

infrastructure and natural resources” is an irresponsible assumption without any supporting data. Perhaps residents should be more concerned about the environmental and infrastructure impacts of adding hundreds of homes to the area.

1 Mike Diamond, “GL Homes Shelling Out Big Bucks for Palm Beach County Development Rights,” The Palm Beach Post , June 6, 2025.

Summer Is Here!

Summer is here! Along with summer comes the increased temptation to utilize the golf courses as a park/playground, but we must ask you to refrain from any non-golf related access.

Summer is a time when tremendous maintenance is performed on all the courses, so there is a great deal of equipment and work being done. In addition it is a time when golfers play early to beat the heat and also play late to do the same.

For your safety, please do not access the courses unless you are registered to play golf.

Thank you

Reminder From The POA/ARC

Mark Wilson, President & CEO Of The Florida Chamber Of Commerce

Statement On Elimination Of The Florida-Only Business Rent Tax

“After nearly a decade of Florida Chamber-led advocacy, the Florida-only Business Rent Tax—once a $3 billion burden on local businesses—has finally been eliminated, and this final round provided another $900 million in annual savings for Florida’s job creators. This

Palm

is a major win for Florida’s competitiveness and local businesses, who will reinvest those dollars into their employees, growth, and communities. We appreciate the Florida policymakers who have helped chip away at this tax on local business over the years and are thrilled to see it eliminated altogether, once and for all.”

– Mark Wilson, President & CEO, Florida Chamber of Commerce Florida Chamber of Commerce – EST – Fairhair, 136 S. Bronough St., Tallahassee, FL 32301

Beach Health Network

Surgeon Hayder Al-Azzawi, M.D., Completes Significant Milestone In Robotic Surgeries

POA documents require that all residents apply for POA and HOA approval prior to making any changes to the exterior of your home, including but not limited to tree removal or planting, new landscaping, painting, roofing, additions or construction, fencing, hurricane shutters, impact glass, play equipment, garage door replacement or any other change, you must contact the PGA POA Architectural Review Committee for approval. Information and forms are available at www.pga-poa.com under the “Documents & Forms” heading or call 627-2800.

Thank you, Jack Hughes, Chairman, POA ARC

Captain’s was established in 1980 servicing Palm Beach County and is a privately owned and managed company. Captain’s is committed to providing dependable, reliable and professional ground transportation to and from all South Florida Airports and Seaports.

To reserve your vehicle: 561-798-2180 or 800-634-7890

www.captainsairport.com

Palm Beach Health Network Physician Group colorectal and general surgeon Dr. Hayder Al-Azzawi, M.D., has completed more than 2,000 da Vinci robotic procedures, marking a significant professional achievement.

Dr. Al-Azzawi is known for his expertise in minimally invasive and robotic-assisted surgical techniques, which allow him to operate through small incisions with the potential for reduced pain, lower risk of complications, and faster recovery times for patients. He specializes in a wide range of procedures, including colorectal surgery, hernia repair, and gastrointestinal conditions.

At Palm Beach Gardens Medical Center, robotic surgery is a cornerstone of the advanced surgical care available. The hospital utilizes some of the latest technology, including the da Vinci Xi Surgical System, enabling surgeons like Al-Azzawi to deliver precise and effective care.

“Al-Azzawi’s achievement reflects his dedication to providing exceptional care to our community,” said Erik Cazares, CEO of Palm Beach Gardens Medical Center. “We are proud to offer the latest advancements in robotic surgery at our hospital, which are made even more impactful by having skilled surgeons like Al-Azzawi on our team. Congratulations to him on reaching this impressive milestone.”

Palm Beach Gardens Medical Center continues to invest in the latest robotic surgical systems and supports the professional growth of its medical staff to meet the evolving needs of the community.

For more information on robotic surgery, or to make an appointment, call (855) 897-1874.

Northern Notes

Reptile Identification – How To Keep Everyone Safe

By Katie Roundtree

Reptiles have a mixed reputation; some people admire them, while others fear them. However, these incredible animals deserve protection and support to thrive. Two types of reptiles that are often misunderstood and mistreated are turtles and snakes. Let’s discuss how to keep both them and ourselves safe.

Turtles Vs. Tortoises

Did you know that tortoises are a type of turtle, but not all turtles are tortoises ? All tortoises are, in fact, turtles— that is, they belong to the order Testudines or Chelonia, reptiles having bodies encased in a bony shell—but not all turtles are tortoises. Most people use the term “turtle”

to reference any reptile with a shell on its back. Still, there are several differences between these two unique creatures.

The most important thing to remember about tortoises is that they are exclusively land creatures— they do not swim. One way to further distinguish tortoises from other turtles is to look for certain anatomical features. Tortoises are easily recognized because they all share a unique hind-limb anatomy made up of elephantine (or columnar) hind limbs and hind feet. Their forelimbs are not flipper-like, and their hind feet are not webbed. Each digit in their forefeet and hind feet contains two or fewer phalanges.

If you find a turtle, examine its legs and shell. If the back feet are webbed and the forefeet are flipper-like, they are a turtle and can swim. They can be placed near a water body to find their way back into the water. If their forefeet are stumpy with claws and their hind feet are similarly stumpy with claws, then it is likely a tortoise. The shells of a tortoise are mostly rounded or dome-like. Shells of water turtles are more flattened and streamlined. Do NOT place tortoises in a water body. They CANNOT swim and will drown. Please put them in a safe

area on land, generally pointing in the direction they were heading.

Snakes: Venomous Vs. Non-Venomous

Ophidiophobia, or the fear of snakes, is a common specific phobia characterized by an intense, irrational fear of snakes. While some people fear them, snakes are beneficial to the environment. Snakes play a vital role in maintaining ecological balance by controlling populations of rodents, insects, and other small animals, which can be pests. They also serve as a food source for other animals, contributing to the overall biodiversity of an ecosystem. Unfortunately, there is no simple way to distinguish between a venomous snake and a non-venomous snake. The best possible advice you can follow is that any snake that cannot be positively identified as harmless should not be handled. Many people believe that all snakes with triangular-shaped heads are potentially venomous. Although all pit vipers (rattlesnakes, copperheads, and cottonmouths) in the eastern United States have broad, triangular heads, so do some non-venomous species, such as water snakes (Nerodia). In addition, a nontriangular

Northern Notes on page 17

IMPERIUM HOME

Preparing For College With Learning Differences

By Jim Forgan, Ph.D., Licensed School Psychologist

Transitioning from high school to college is a significant milestone for students with ADHD, learning disabilities, or autism. With thoughtful planning, self-advocacy, and the right support systems in place, students can thrive in higher education. Here are ways to help students prepare for this exciting new chapter.

Understand the laws and your rights. Unlike high school, where services are provided under IDEA (Individuals with Disabilities Education Act), colleges operate under ADA (Americans with Disabilities Act) and Section 504 of the Rehabilitation Act. These laws

ensure access, not success, so students must actively request accommodations. By twelfth grade help your teen understand their diagnosis and how it impacts their learning. Discuss how accommodations help.

Update evaluations and documentation. Colleges often require current documentation of a learning difference to grant accommodations. A comprehensive school neuropsychological evaluation within the last three to five years is typically needed. Work with us to ensure documentation includes specific diagnoses, functional limitations, and recommended accommodations. We test college students as well as provide psychoeducational testing for LSAT, GRE, MCAT, and professional boards.

Learn and practice self-advocacy skills. In college, students are expected to take charge of their own learning needs. This means contacting the disability services office, attending meetings, and communicating with professors about accommodations. Practice self-advocacy in high school and have your student ask for help, schedule

their own appointments, and take responsibility for organizing materials.

Explore campus support services. Most colleges have an office of disability services, tutoring centers, and academic coaching. Some even offer specialized programs for students with learning differences. Visit the campus and schedule a meeting with the disability services office to ask questions about the types of support available.

Work with a college planner. My wife is a college consultant and works one-to-one with ninth through twelfth grade students. She provides a comprehensive approach and specializes in helping students with diverse needs.

Call (561) 625-4125 if you would like to discuss your child and your concerns for possible learning disabilities, dyslexia, ADHD, autism, or anxiety. Learn more at www.JimForgan.com.

Northern Notes from page 18

head does not signify the absence of venom: the two species of coral snakes in the United States, both venomous, have slender heads with little distinction between head and neck. Another over-generalization is that venomous snakes have elliptical pupils, whereas all harmless snakes have round pupils; however, venomous coral snakes also have round pupils. Unfortunately, there is no single rule that separates all venomous species from all the harmless ones.

There is no foolproof way to prevent snakes from entering one’s property. Some products are sold with claims of deterring snakes; however, the effectiveness of these products remains to be proven. The repellent products that are most commonly advertised contain either sulfur or naphthalene (mothballs). However, the amount

of product required to be effective against snakes would make the treated area intolerable for almost everything else, including people.

There are other ways to encourage snakes to move to different habitats. Remove brush piles, logs, bushes, or any other objects that could give snakes cover to hide under. If you have a pond or water feature in your yard, remove any fish or other animals that could be a safe and consistent food source for them. If you find an unwanted snake, the most effective way to get it to move along is to spray it with a hose. This keeps both you and the snake safe. Do not try to kill it

again; they are beneficial to the environment. While you may be afraid of them, snakes generally leave people alone unless they are harassed. Just walk the other way, walk around it and leave it alone.

by one

force: you. That’s why we’re the only hospital in the region that consistently ranks above national benchmarks for quality, safety and patient experience. So you can return to the life you love.

more at jupitermed.com

Wanted

People are vandalizing golf courses after play hours. Sand traps, greens and fairways are being damaged.

If you see anyone on courses after hours, please call POA Security at 627-1600 or Resort Security, 627-2000. Thank you.

Attention:

PGA Residents Of Mellowing Years

A single phone number may help you to live confidently and gracefully in your own home.

Now there is a volunteer senior ambassador within PGA community who is well-schooled in resources available to help with problems of elders. The Alpert family and Children’s Services has been helping seniors do just that for many years.

• You have questions? We may have answers.

• You don’t know where to go? We can guide you.

• You don’t know what you need? We’re wellversed in that problem.

• Do you know a neighbor who needs help? Don’t wait. Call now. Dorothy Weiss, 624-4035. Let’s keep connected with each other as a community. All you need is the desire to live comfortably in your own home.

Financial Focus®

Does The 4% Rule Still Make Sense For Your Retirement?

By Sally Sima Stahl, Edward Jones

You may have heard of the “4% rule” when it comes to retirement. The idea is simple: After you retire, you withdraw 4% of your investment portfolio each year. In theory, this helps ensure your savings last for your lifetime. While this rule can be a helpful starting point, it’s not a one-sizefits-all—and it’s definitely not a substitute for a plan tailored to your specific needs, wants and wishes.

The truth is, how much to withdraw in retirement depends on factors like when you retire, if you’ll work part time, how long you expect retirement to last, your lifestyle goals, inflation and whether you want to leave a financial legacy to heirs. So, the 4% rule should be viewed as more of a guide than a strict rule.

Let’s start with age. The 4% rule is often based on someone retiring at 65 and expecting to live until about 92. But if you retire earlier, you may want your portfolio to stretch further. In that case, you might need to start with a lower withdrawal rate, maybe closer to 3%. And if you retire later, you might safely withdraw a little more—perhaps 4.5% to 5%—depending on your financial situation.

Your retirement lifestyle also plays a big role. Are you planning to travel the world or spend more time at home? If you expect higher spending in the early years of retirement, you may need to adjust your withdrawal rate or plan to reduce spending later to balance things out.

Your financial flexibility matters too. If you have less wiggle room with your expenses, rely heavily on your portfolio for income or want to preserve wealth for your heirs, a more conservative approach might be wise. In this conservative scenario, your portfolio withdrawals may be met from interest and dividends. Think of your withdrawal rate as existing on a

spectrum from more conservative to less conservative, with your personal situation determining where you land.

Then there’s inflation. A well-built strategy usually includes small annual increases in withdrawals to keep up with rising costs—about 2.75% per year. But you don’t need to take a raise just because the calendar says so. If the markets have had a tough year or you don’t need the extra income, it might be smart to skip an increase. Being flexible can improve the chances your money will last.

It’s also important to understand what’s known as your “portfolio reliance rate”—how much of your retirement income comes from your investments versus other sources like Social Security or pensions. The higher this percentage, the more conservative you may want to be with withdrawals.

And don’t forget the IRS. If you’re drawing from a traditional IRA or 401(k), you’ll need to take required minimum distributions (RMDs) once you reach age 73. Your RMD for any year is the account balance as of the end of the prior calendar year divided by a life expectancy factor according to the IRS. These RMDs need to be accounted for in your strategy.

The bottom line? The 4% rule is a useful starting point, but it’s just that—a starting point. A good financial advisor can help you build a strategy that reflects your age, your goals and your full financial picture. By revisiting your plan regularly and staying flexible, you’ll give yourself the best shot at turning your savings into a secure, fulfilling retirement.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Edward Jones, Member SIPC.

Edward Jones is a licensed insurance producer in all states and Washington, D.C., through Edward D. Jones & Co., L.P., and in California, New Mexico and Massachusetts through Edward Jones Insurance Agency of California, L.L.C.; Edward Jones Insurance Agency of New Mexico, L.L.C.; and Edward Jones Insurance Agency of Massachusetts, L.L.C.

Edward Jones, its employees and financial advisors cannot provide tax advice. You should consult your qualified tax advisor regarding your situation.

Contact us at (561) 748-7600, Sally Sima Stahl, CFP ®, AAMS™, 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.

2025 HEADLINER ANNOUNCED!

Feel the rhythm of Fort Myers during one of USA Today’s top four music fests. Come for live, intimate performances from some of BMI’s best singer-songwriters — and stay for tropical settings and laid-back vibes. Grammy-nominated Chris Young will headline on Sunday, Sept. 28, at Pink Shell Beach Resort & Marina.

Follow the music to intimate island and beachside venues across Captiva Island, Fort Myers Beach, downtown Fort Myers, and Cape Coral. Between shows, slow down and enjoy the moment on white-sand beaches, in nature preserves and on the water. Let your favorite songs be the soundtrack to your relaxing getaway.

Find deals and start planning at IslandHopperFest.com | #IslandHopperFest