Be an active participant ART IS EVERYWHERE

At the Naples Art Association, art is our passion. And, because of that, we tend to notice art more readily than others. It’s the design of a filtered milk carton at the local grocery store; the graphics on the videogame your child or grandchild can’t put down; the hymns you sing in church; the design the ocean creates along the shoreline; the chaturanga you participate in in yoga class; and even the tattoo on the guy’s arm beside you at the gas station. Art truly is everywhere.

Art affects our lives in ways both indirect and obvious, ordinary and unexpected.

For instance, do you like gardening? Landscaping is an art form of its own that is so noticeable in our daily lives in Southwest Florida, that we may not recognize it as such. We plant with an idea in mind: color, form, height, length; we decide what to pull and what to fertilize; yard work is art.

When you walk along 5th Avenue South under the canopy of oak boughs and golden trumpet trees and pass an eclectic mix of modern and historic architecture and inviting parks and plazas, you are surrounded by art. And, with the recent installation of the “Paint the Town” mural on 5th to cover up the construction process, art took center stage and became a way to bring the community together.

The NAA is grateful for it’s many volunteers

When you take a drive and notice a billboard, that is art. Sure, it’s advertising, but it captures your attention with images. Logos, coupons, print ads, even Facebook ads, it’s all art.

So, what do we take from this? If art is all around you, why aren’t you participating in it? At the Naples Art Association, there are so many ways to partake in the arts. Whether you attend a mosaic or pottery class or a painting a day workshop; visit one of the ongoing exhibitions to simply view others’ work; volunteer to assist others on their artistic journey; or visit the NAA’s extensive selection of artwork and gifts available for purchase at the gift shop, get involved.

Take a closer look at your own world and open your eyes to the ways the arts and imagination affect—and improve—your life.

For more information about the Naples Art Association and how you can get involved, please visit www.NaplesArt.org or call 239.262.6517.

When Health is the Real Wealth

by Karen Coney Coplin

The Senior Friendship Health Center isn’t a new organization. It’s served the medical and dental needs of Naples residents since 1985; until recently in a site near City Hall that most will remember as the (now closed) Chapel Grill restaurant. While it may have a new locale and an expanded mission, it remains true to its roots. The Center’s services are devoted to helping residents who are at least 50 years of age and, also, are at 300 percent of the poverty level.

Clients qualify as uninsured or under-insured; once so qualified financially, they will be seen by volunteer specialists to create a treatment plan. The Center’s many dedicated volunteers include treating physicians, nurses, and other specialists in broad-ranging fields of medical expertise. These include geriatric care, pulmonary, cardiology, endocrinology, gynecology, ophthalmology, nephrology, chronic disease assistance management and dermatology. Primary care assistance is offered as well.

MJ Scarpelli, the Director of Development and Marketing, also told me that the dental care provided by the Center is a game changer. The Center offers an array of services including basic exams and hygiene, crowns, fillings, dentures, oral surgery and Periodontics. “One of our patients told us…he did not have a full smile and in fact, did not smile for nearly three decades,” shared Ms. Scarpelli. “You can imagine his joy, and ours (after being treated)… it is such a wonderful thing to see him smile now.”

The Senior Friendship Health Center is located at 2355 Stanford Court, in Suite 701 (Naples, Florida 34112). Ms. Scarpelli is always on the lookout for service providers to attend to the Center’s patients; also, she welcomes (and seeks) patients who might otherwise not have heard about this organization and how it might help those in need. The website for the Center is: seniorfriendshiphealthcenter.org and the office phone number is: 239.658.3105.

One of the Center’s very worthwhile goals is to keep “non emergencies” out of the Emergency Room. Ms. Scarpelli notes, “[we want] our patients to establish a continuum of care as they age.” In some cases, patients may not qualify under the Center’s financial guidelines; in such instances the Center works hand in- hand with other organizations (such as the Collier Resource Center, profiled last month in this column) to help guide them to other channels for help in medical care and social services.

How can readers help this organization? Do you know retired medical professionals looking to “give back?” If so, look no further! Ms. Scarpelli notes that spreading the word to friends and neighbors is the foundation to this organization’s success. The Senior Friendship Health Center always has a place in their treatment rooms for medical, dental, and nursing providers, year-round, or, seasonally. So, if you know a retired or semi-retired doctor, dentist, or nurse, ask them: “Have you heard of the Naples Senior Friendship Health Center?” If not, Ms. Scarpelli is happy to complete the introduction; and, even offer a helpful (and brief) tour of their new facility. Naturally, donations are also appreciated. These go directly to an “Uninsured Patient Fund” unless specified for another purpose. Many clients of the Center cannot afford the next step in care
once seen by a Center’s specialist. This fund enables those without resources to see specialists for MRIs, CAT Scans, or biopsies, as some examples. “The fund allows patients to focus on their health and be relieved of the stress of financial worries when they may be facing a dire diagnosis.”
Sounds exactly like when a “Friend(ship)” is most needed.

Email Karen Coney Coplin at NaplesKCC@gmail.com with future article ideas or questions.

Joel Kessler advises on The Art of Networking

Why do we network?” Some of us shy away from networking for many different reasons. Take a minute to answer these questions yourself: 

• How did you find out about your current or any previous job?
• How did you meet your spouse or significant other?
• How did you choose where you live?
• How did you decide on a vacation spot and accommodations?
• How do you find clients for your business?
• How did you find your doctor, dentist, accountant, day care provider, health club, or favorite restaurant?

When you sought advice from people you knew, when someone introduced you to a person who could help you or when someone championed your cause you were networking. Have you done the same for others, if so you were networking. You may not have realized it yet that is the essence of networking. Remember networking is not about “what’s in it for me” but how can I help someone else. It’s about giving first and realizing that we can learn from everyone we meet.

For more networking tips contact Joel Kessler at jkessler58@earthlink.net

Care for our Living Reminders

by Danielle Green
Naples Zoo, Director of Grounds and Gardens

Naples Zoo at Caribbean Gardens is a special place. Within these 44 acres in the heart of Naples are living reminders of the history of this property and its evolution from a personal garden of Dr. Henry Nehrling to the world class zoological garden that it is today. Caring for the historic specimen trees on this property requires a plan that includes inspection and routine plant health care. As part of Naples Zoo’s plant health care,
annual deep root fertilization is performed on over 30 specimen trees around the zoo. Deep root fertilization is a process where a specially formulated nutrient solution is injected into the root zone (area under the canopy) of trees. The nutrients are injected under pressure which helps aerate and provide oxygen to the root system.

The soil injection begins just below the surface and goes to a depth of up to twelve inches beneath the soil. Injection sites are placed two feet apart in a grid pattern under the canopy area and beyond the drip line of the tree. Naples Zoo’s tree care partner, Davey Tree, uses a patented product designed by The Davey Institute – Arbor Green PRO.

This product is intended to mimic the natural availability of nutrients in the forest environment. This ensures that these gentle giants get the nutrients required for healthy growth and development. Just a few benefits of these nutrients include increased root growth, improved pest and disease resistance, greener foliage and better drought resistance. Be sure to check out these Naples Zoo icons on your next visit!

Private Wealth Planning for Divorce

Why your divorce needs a financial analyst

Going through a divorce can be a very stressful time.

In a recent survey conducted by the  Institute of Divorce Financial Analysts™, 75% of respondents believe that a divorce financial specialist would have been helpful in preparation, negotiation and recover phases of their divorces.

It is important to have someone on your team who understands the divorce process and can help you achieve a settlement that works not only today, but 10, 20, or 30 years down the road.

Gary Crisci, Managing Principal at Crisci Private Wealth Management, has learned from the families he works with, that during divorce emotions are running high. Often to be amicable or expedite the process, it is common to make rapid decisions that are irreversible. Property separation, retirement considerations, spousal maintenance, and child support all have tax implications which should be taken into consideration.

Gary T. Crisci

Because Crisci Private Wealth Management realized divorce affected many families they work with, Gary Crisci acquired his Certification of Divorce Financial Analyst®(CDFA)® in 2015.“As a CDFA® we become a part of your collaborative divorce team.

We assist in identifying short and long term effects of a settlement. We guide you in visualizing the ramifications of the many financial decisions you must make, along with helping to set realistic expectations.” says Crisci.

What sets our firm apart from other firms?

“Our firm understands divorce is an unpleasant situation in which we feel very little control. We seek to empower our clients in knowing they made the most informed decisions possible. More importantly, we strive to preserve a cordial working relationship with your ex-spouse that is in the family’s long term best interest.” says Crisci.

Call us today for a complementary consultation.

L to R: Gary T. Crisci, Managing Principal, PIM Portfolio Manager; Jenny Romero,
Client Associate; Raymond Sullivan, Vice President-Client Solutions; Isabel Perez,
Operations Manager; Chrisandra Downer, Director of Business Development

Gary T. Crisci
AWMA, CDFA®
Managing Principal,
PIM Portfolio Manager
(239) 919-8901 • (888) 224-0792

Poinciana Professional Park, 2640 Golden Gate Pkwy., Suite 206, Naples, FL 34105
www.crisciprivatewealth.com

The use of Certified Divorce Financial Analyst ® (CDFA®) designation does not permit Wells Fargo Advisors Financial Network or its Financial Advisors to provide legal advice, nor is it meant to imply that the firm or its associates are acting as experts in this field. Wells Fargo Advisors Financial Network is not a legal or tax advisor. Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN), Member of SIPC. Crisci Private Wealth Management is a separate entity from WFAFN.

CCSO Honors Community Volunteers

More than 100 community volunteers were honored for their contributions to the Collier County Sheriff ’s Office at the 20th annual spring luncheon.

The luncheon, at the Hilton Naples, opened with a ceremony featuring the CCSO Honor Guard and closed with Sheriff Kevin Rambosk presenting awards to the volunteers.

At CCSO, volunteers assist deputies in a variety of ways, including staffing special events, helping with traffic control, providing research or support to investigators, performing data entry, and assisting with the agency’s many youth programs.Volunteers also patrol neighborhoods in specially marked vehicles, and if something seems out of character, they pass that information along to the deputies.

Ten civilian and auxiliary volunteers received certificates and plaques for the time and effort they unselfishly gave to the agency and the community in 2016:

CIVILIAN VOLUNTEERS HONORED:

  • Roger Hill, 3,198 hours
  • Kenneth Robins, 1,994 hours
  • William Leach, 1,503 hours
  • Brad Hale, 1,378 hours
  • Paige Long, 1,356 hours

AUXILIARY VOLUNTEERS HONORED:

  • Richard “Barry” Liner, 1,497 hours
  • Charles Montgomery, 1,313 hours
  • Ernest Durso, 853 hours
  • Michael Provost, 731 hours
  • Michael Day, 620 hours

CCSO has enhanced its volunteer program, offering citizens even more opportunities to get involved.

Specialized processing and background checks are necessary to become a volunteer.

For more information on becoming a CCSO volunteer, call239.252.0530, or go to www.colliersheriff.org to download an application.

Photo Credit(s) to Cpl. Efrain Hernandez/CCSO

The Majesty of a Mother’s Love

by Lois bolin
Old Naples Historian

“No language can express the power, and beauty, and heroism, and majesty of a mother’s love,” which is why every second Sunday in May, Americans take this day to appreciate Mothers.

This May, I’d like to recognize a special group of Mothers – Silver, Blue and Gold Star Mothers.

BETH HAELY, POLLY CREWS AND JOANNE MAITLAND

GOLD STAR

During World War I, American women wore a blue star around their left arm if their child was in active duty. Sadly, as the war progressed so did the number of those who gave their all and these Mothers wanted to express their loss, as well as the pride and honor they felt for their country.

The Women’s Committee of the Council of National Defense suggested sewing a gold star over the blue star. When the idea was presented to President Woodrow Wilson, the practice was adopted in 1918.

On June 4, 1928, twenty-five mothers in Washington D. C. formed a non-profit organization designated as the American Gold Star Mothers. Each state began to organize a chapter, which delivered lessons of patriotism, and perpetuated the memories of loved ones.

Each year since 1936, on the last Sunday in September, Gold Star Mother’s Day has been observed by presidential proclamation.

LOIS BOLIN, POLLY CREWS AND JULIE CAMPBELL

BLUE STAR

On January 22, 1942, mothers of active serviceman were asked to return a coupon from a Flint News advertiser. Twelve days later, 300 coupon-holding mothers met in the Durant Hotel, in Flint, Michigan. After receiving over 1000 responses from the ad on February 6th, the organization was reported on the Congressional record. Chapters soon formed in Michigan, Ohio, Wisconsin, New York, Pennsylvania, Oregon, California, Iowa and Washington.

In June of 1960 Blue Star Mothers of America Inc. was chartered by Congress.

SILVER STAR

Silver Star Families, founded in 2005, recognizes, remembers and assists the wounded of our Armed Forces.

LANGUAGE OF LOVE

Six years ago, I became acquainted with these groups at a Naples Spirit of ‘45 event, the Greatest Generation and Beyond Breakfast.

Polly Crews, (aka Miss Polly), the oldest living Gold Star Mother in Florida expressed her desire to start a SWFL Gold Star Mother chapter.

“Yes Ma’am,” I replied and waited for my directions.

While, an illness took her off course for a few years, today at age 93, she began gearing up to accomplish her “golden mission.”

This past March 11th, Miss Polly hosted a ‘get acquainted tea’ for Gold, Blue, and Silver Star Mothers (and Families), as well as community supporters.

Each guests introduced themselves and Miss Polly’s daughter, Marilyn Thompson, introduced the new Gold Star Mother’s license plate she helped to facilitate through the Florida Legislature.

The reins of the newly formed chapter were passed to Beth Haely, of Fort Myers, whose son, Marine Cpl. Thomas Jardas, was killed in a helicopter crash last year in Hawaii. Until the fledgling chapter has taken flight, Miss Polly will continue to be a liaison and can be reached at 239.207.4442. Should you not reach her or her voicemail; don’t be alarmed. She puts her cell phone to good use and chooses not to have a voicemail.

She said, “If it’s important they will call back. My attention is on the task at hand.” Watching her thoughtfulness and attention to detail was nothing less that awe-inspiring. Miss Polly is, as Edwin Hubbell  Chapin wrote, the power, and beauty, and heroism, and majesty of a mother’s love.

This coming August 12th and 13th, Gold Star Mother, Polly Crews and Blue Star Mother, Julie Campbell, can be found volunteering at the 8th Annual Greatest Generation & Beyond Breakfast held at the Naples Hilton and at Taps Across America held at sunset at Lowdermilk Park. If you know a WWII Veteran, Gold or Blue Star Mother, let them know of these two special days. You can get more information by calling Lois Bolin at 239.777.2281 or emailing lois@loisbolin.com.

LEGAL AWARDS AND SETTLEMENTS

by Michael Wiener, E.A.

Your contractor did shoddy work on your condo. You were unfairly fired. If you are collecting a settlement or judgment, is it taxable income? Usually yes, but taxes vary enormously depending on how you were damaged, how the case was resolved, and even how checks and IRS Forms 1099 were issued.

Here are some concepts you should know. Settlements and judgments are taxed the same. The same tax rules apply whether you settle or win a judgment. If you are audited, you’ll need to show the settlement agreement, complaint, checks, IRS Forms 1099, W-2, etc.

Settlements and judgments are taxed according to the “origin of your claim.” For example, if you’re suing a competing business for lost profits, a settlement will be lost profits, taxed as ordinary income. If you get laid off at work and sue for discrimination seeking wages, you’ll be taxed on wages. Your former employer will probably withhold income and employment taxes even if you no longer work there.

Recoveries for personal physical injuries and physical sickness are tax-free. If you sue for personal physical injuries, your damages are tax-free. Most importantly, the Tax Code states that in order to qualify for tax-free treatment your injury must be “physical.” Symptoms of emotional distress are not “physical.”

Money you receive for physical symptoms of emotional distress (like headaches and stomachaches) is taxed, while physical injuries or sickness is not.

For example, if in settling an employment dispute you receive $50,000 extra because your employer gave you an ulcer. Is an ulcer physical, or merely a symptom of emotional distress? Many plaintiffs take aggressive positions on their tax returns, claiming that damages of this nature are tax-free. But that can be a losing battle if the defendant issues an IRS Form 1099 for the entire settlement. You may want to try to agree with the defendant about the tax issues.

Medical expenses are tax-free, even if your injuries are purely emotional. The definition of “medical expenses” can be surprisingly liberal. For example, payments to a psychiatrist or counselor qualify, as do payments to a chiropractor or physical therapist. Many nontraditional treatments can count as well.

Punitive damages and interest are always taxable. If you are injured in a car crash and get $50,000 in compensatory damages and $5 million in punitive damages, the former is tax-free. The $5 million is fully taxable, and you can have trouble deducting your attorney fees.

Attorney fees can be a trap! Whether you pay your attorney hourly or on a contingent fee basis, factor in the cost of your attorney when you’re addressing taxes. Say you settle a suit for intentional infliction of emotional distress against your neighbor for $100,000, and your lawyer keeps $40,000. You might think you’d have $60,000of income. Instead, you’ll have $100,000 of income, followed by a$40,000 miscellaneous itemized deduction. You’ll be subject to numerous limitations-and to the alternative minimum tax or AMT that can whittle your deduction down to nothing.

Bottom line: It can be tempting to end your dispute and let the tax chips fall where they may. But before you resolve it, consider the tax aspects. You’ll almost always have to consider them at tax return time the next year. You’ll be better off considering taxes earlier, and may save yourself serious money.

If you should have a topic that you would like me to
discuss or if you should have a question, please feel free to
call 239.403.4410 or e-mail me at
michael@mwtaxandaccounting.com.
4280 East Tamiami Trail
Executive Suite 302-M | Naples, FL 34112
An enrolled agent, licensed by the US Department
of the Treasury to represent taxpayers before the IRS for
audits, collections and appeals. To attain the enrolled agent
designation, candidates must demonstrate expertise in
taxation, fulfill continuing education credits and adhere to
a stringent code of ethics.

10 WAYS TO PROTECT YOUR ONLINE IDENTITY

PASSWORDS

The most common way to protect your online identity is to focus on creating strong passwords. When creating a password, choose something that will not be easily cracked or decoded. Never use a word or number that someone can associate with you such as a first, middle or last name, a spouse or child’s name, address, phone numbers, employers, or other identifying letters or numbers. Try a passphrase rather than a password. Your passphrase can be a favorite song lyric, quote from a book, magazine, or movie, or something your kids said last week. Think of a saying or series of words that is easy for you to remember, and use the first letter of each word in the phrase, along with a combination of numbers and special characters, as your passphrase. Obviously your password should be a combination of letters and numbers, but don’t stop at the bare minimum. Don’t use the same password for everything, use multiple passwords!

LOOK FOR ENCRYPTION

Before making any sort of financial transaction or entering personal data online, look for signs that show whether the website is encrypted or not. To do this, look for two things: the trusted security lock symbol and the extra “s” at the end of http in the URL or web address bar. When you are on the page that’s asking for your credit card information, the “http” changes to “https” when it is a secure site. At the same time, a lock symbol will also appear on the right side of the address bar or at the bottom left of your browser window. These two signs show that the site is encrypted, which means nobody will be able to see information as it’s sent to the website owner. This keeps your name, phone number, address, credit card number and other sensitive information from being seen by anyone else. Many of the vital online services (Google, Facebook, Twitter,etc.), allow you to only connect to their servers via an HTTPS connection.This will encrypt any stream of data between you and the service, ensuring that anyone using a packet sniffer on a (usually public) Wi-Fi network can’t obtain your login data. Never work at a coffee shop without it!

BEWARE THE PHISHING SCAM

To avoid being the victim of a phishing scam, never open emails or attachments from unknown senders, or anything unusual from known senders. Spam email is getting more and more sophisticated. Never respond to any emails with account info or passwords. Banks will never ever ask for your information in this way. If in doubt, call the bank directly to check or, better still, delete the email. Additionally, avoid anyone offering money, unfamiliar job opportunities or requests for donations to charities as this might be a plot to obtain your personal information and online identity.

PASSWORD PROTECT YOUR WIRELESS ROUTER

The wireless router that accesses the Internet at your home or business should always be password protected. When you do not have a password on your wireless network, anyone in your range can use and access your Internet, even a hacker. Not having a network password allows unauthorized individuals within proximity to hijack your wireless network. Even if they’re merely attempting to get free Wi-Fi access, you don’t want to inadvertently share private information with other people who are using your network without permission. For extra security, hide your Wi-Fi network: set up your wireless access point or router so it does not broadcast the network name, known as the Service Set Identifier (SSID).

ENABLE COOKIES ON YOUR WEB BROWSER WHEN REQUIRED

Another option for setting up your browser to protect your online data is by enabling cookies only when required by a website. These cookies are details websites store on your computer, including information about what sites you visit and what you do there. Most of them keep the details to themselves, but this is also a way dishonest people get your information. You may need cookies to be enabled, but limit them only to websites that require it.

SECURE YOUR SECURITY QUESTIONS

Just because security questions are a safety feature doesn’t mean you shouldn’t put the same thought into them as you password. Use numbers instead of letters. Deliberately misspell things. It’s important to provide a secret question with answers absolutely not related to it.

For example, for the question “What is the name of your first pet?” register an answer like ‘Us6KjTG.’ Instead of providing real answers, provide passwords like that one. So, basically the rule is never provide real answers for the secret questions, but make sure to record the answers you do use in a safe place!

ENABLE 2-STEP AUTHENTICATION

Apple, Facebook, Yahoo and Google all offer the option of 2-Step authentication when you login, meaning you will need to enter a secondary pin number which is generated and texted to your phone or tablet. It’s an extra step whenever you’re logged out, but it’s also a safe guarantee that no one will be trying to get into your account without you knowing it.

CHECK YOUR PHONE’S PRIVACY SETTINGS

Turning your GPS location settings to “off” can keep you and your family’s whereabouts more private. Turn on for only services needed, like maps.

KEEP A CLOSE EYE ON YOUR BANK STATEMENTS

Really savvy people cross check their receipts with the payment history on their statements, but this isn’t absolutely necessary – just keep an eagle eye out for any unfamiliar transactions to recipients you’ve never heard of.

INSTALL AND AUTOMATE OPERATING SYSTEM UPDATES

These updates contain critical security patches that will protect your computer or device from recently discovered threats. Failing to install these updates means your computer or device is at risk. It’s best to set your operating system to update automatically, so turn on automatic updates if that’s an available option.

Jeff Bohr | Naples Mac Help 239.595.0482 | jeff@jeffbohr.com

Assisted living and memory care residences available immediately at Oakstone

Grande Place at Moorings Park at Grey Oaks recently held their grand opening with more than 200 guests on hand for the ribbon cutting ceremony marking the completion of the fourth and final phase.

Speaking at the event was Dan Lavender, CEO and President of Moorings Park. He reminded the crowd that January 2013 was the date the Board of Directors approved the four phased project, which was expected to be completed in 2019.

“Today we mark the completion of our fourth and final phase, two years ahead of our original projection,” said Lavender. “While the construction maybe complete, it’s just the beginning for us, fulfilling our commitment to help our residents successfully age.”

The 13 beautifully designed penthouse style residences at Grande Place are sold out. However, Oakstone, the community’s assisted living and memory care center still has suites available.

The 38 assisted living and memory care residences offer Simply the Best® Live Well and other healthcare services in a family friendly environment.

Oakstone provides 24-hour all inclusive assistance with the activities of daily living in assisted living private suites. Residents receive all the features and benefits of Moorings Park’s award winning continuum of care that includes social, intellectual, spiritual and recreational activities and events, as well as dining, in a beautiful setting.

Oakstone’s memory care suites provide certified, compassionate care to residents and their families who are in the early stages of Alzheimer’s and other related dementias.

As residents experience memory loss, the acclaimed “Best Friends®” approach offers person-centered care to Oakstone residents by utilizing unique tools designed to engage residents in purposeful communication and camaraderie with their neighbors, thereby helping residents with dementia feel safe, secure and valued.

Oakstone also provides residents with many innovative art, music, positive well being and physical exercise programs, as well as parties and celebrations designed to stimulate socialization and build strength, while having fun.

Programs and activities take place both inside and outside, as the outdoor gardens were specifically designed to foster a sense of independence in a secured setting, while providing residents with a daily dose of sunlight.

For additional information about Oakstone call 239.919.1732, visit MooringsParkGO.org, or stop at the sales center located at 2355 Rue du Jardin in Moorings Park at Grey Oaks.