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Business, LIFESTYLE, Living, MSM Online

When Danger Knocks: Embracing New Norms of Protection in Everyday Life

When Danger Knocks: Embracing New Norms of Protection in Everyday Life By Diana Lammerts – Journalist, TV Host, and International Business Strategist  When the jet first set our wheels back on the ground, pulling up at Miami International Airport, the light was dazzling, the sounds dancing and sinuous as salsa. Sun-warmed air poured open the pine-scented windows of the plane, a watery light reflected from the sea as the jet backed out toward the gleaming skyline across Biscayne Bay. It was early morning, teetering on the nubile fringe of a rhetorical inquiry, but the question was palpably there in the air of my hometown: what happened to Daytona, Coconut Grove, Joe’s Stone Crab, and the party? What’s going on? In this city where sunrise ignites an azure chorus cacophony on the east coast, culminating in nighttime, the numbers tell another story. In the dazzling sun-splashed megaplex where the landscape swings from beach bottle tops to skyscrapers out to sea, crime is picking up – albeit a little too brazenly.   Miami is not alone: the United States is turning the counterclockwise to a certain, fomenting trouble. In New York City, in 2021, crime rates spiked by 30 per cent and counting. In Chicago, it’s a game of chicken, a contributive carjacking tale, with the streets turning into battlegrounds: 56 per cent increase in carjackings and 34 per cent murder. Here in Miami, our mosaic of cultures and parties, the odds have turned chilling – 1 in 34 of becoming a victim of violent or property crime, according to FBI data. Miami defies other parts of the Sunshine State; crime meters at 30 per cent higher than 86 percent of Florida’s incorporated municipalities.  The frontline of this battle is ushering in a wave of personal, bespoke defense, and at the vanguard is Viking Executive Protection Solutions, of which Roy Smith is the CEO. ‘The industry is stuck in the ’90s while other businesses have evolved,’ he says. ‘The time has come for a renewal, and for a more personal approach, disruptive to the market and a redefinition of executive protection and what should be expected and demanded of high-end personal protection in an increasingly volatile world. It should not be about the mindset of the bouncer of old, fighting and toughening up for Hollywood: this is all about providing a highly personalized, concierge type executive protection service, that fits itself to the client’s individual rhythms and requirements.’  Another internal guard is posted there to keep people from passing through. Roy Smith explains the philosophy behind modern executive protection: ‘What we’re talking about here is thinking outside the box. Modern Executive Protection combines sophisticated security protocols with the highest level of customer service. It seamlessly integrates emerging security threats with the comforts of a seamless, successful, and enjoyable client experience.’ These days, the stolid and uncommunicative bodyguard is passé, and the modern executive protection agent is just as comfortable operating from the shadows of a corporate boardroom as he is managing a thousand elements of risk at an A-List black-tie gala.  This story of escalating threat is not just emanating from boardrooms and penthouse suites. Everything around us – including where we live, the roads we drive on, and the public spaces we hold dear – is transforming into a threat space. Recent headline-grabbing incidents, such as the brutal assault of Lady Gaga’s dog walker, illustrates that visibility, wealth or standing do not make one immune to attack; they are likely inversely correlated with immunity.  In response, companies and individuals are increasingly seeing protective services not as a luxury but as vital insurance – a protection of personal freedom and peace of mind without which the executive may be mentally occupied by potential threats and preoccupied with safety rather than achieving success. The logic is straightforward: you get back more than you put in with executive protection not only by dealing effectively with the threats as they come but also via resilience in peace of mind, productivity and perhaps even the financial bottom line.   The story extends as far as the cars we ride in. Armormax, a pioneer in the auto bulletproofing business, reflects this same turn toward preemptive security. From bulletproof glass to armored vehicles, the technology and know-how are about getting in front of threats. Armormax’s founder and CEO Mark Burton has remarked upon the diversification of his client base, a diversification climbing across the socio-economic spectrum to include both political elites and ordinary civilians looking to level the playing field.  Founded originally to offer security for the world’s super-rich, the company subsequently started to offer services to a wider range, including private individuals looking for ways to protect themselves and their families. The cost of bulletproofing a vehicle can be anywhere from tens of thousands of dollars to hundreds of thousands. To bulletproof the entirety of a vehicle could be as much as $90,000; to bulletproof only the windows can cost anywhere from $3,000 to $20,000 depending on a host of technical factors and the mediums deployed.  Essentially, the message is clear: the paradigm of personal, family, community and corporate security is changing. Crime increases are alarming but they also spawn innovation in the protection services, which quickly moves many of those companies, like Viking and Armormax, forward. With new, innovative companies like these and others, the security industry is redefining itself and all of us. In short, when we are called upon to invest in our physical selves, it’s an investment in continued freedom and in the viability of our lives. Here in Miami, we’re at a crossroads, but we envision a future intending to lead the way, with determined preparation and the everyday actualization of the credo: when one spends money on security, we all do … together, more vigilant, harder headed and stronger than we’ve ever been. Social media LinkedIn: https://www.linkedin.com/company/vikingeps Instagram: @viking_eps Facebook: @vikingeps Website Viking: http://www.vikingeps.com/  LinkedIn: https://www.linkedin.com/company/armormax-industrial-services Facebook: @armormax Instagram: @armormax Website Armormax: https://armormax.com/

Business, MSM Online

THE MIAMI BUSINESS SHOW 2024

6th & 7th of March 2024 – Miami Beach Convention Center The world’s largest business show is back for 2024, expanding into the US and arriving at the Miami Beach Convention Center. The 2024 edition takes place on the 6th & 7th of March and is set to be an unmissable event with 300 exhibitors, live panel debates, speed networking and over 150 seminars and interactive masterclasses covering everything you need to know to start or grow your business! Hear from experts from some of the biggest companies in the world who will be offering you the best tips, tricks, and advice to get yourself off the ground and running a profitable business. The Business Show hosts keynotes from thriving entrepreneurs and industry giants; you won’t get this experience anywhere else. This year, Netflix’s star of Selling Sunset and Realtor, Maya Vander, keynotes and shares her success story. You can also expect to attend sessions hosted by experts at Google, IBM, and PepsiCo. Make the most of this incredible opportunity to find out first-hand how to drive your organisation’s growth. The insightful seminars also cover a range of topics and industries so you will no doubt find something of relevance to your career goals and needs. Spanning two days, The Business Show is a buzzing hub with an electric and entrepreneurial atmosphere. The event provides you with a wealth of information, contacts, and resources. You won’t find the same opportunities for your business anywhere else, so make sure you get involved, meet the exhibitors, listen to the speakers, build relationships with fellow entrepreneurs, and revolutionise the way you do business! There is also a series of interactive masterclasses taking place at the Miami event from such organisations as The Leadership & Growth Hub, DREAMS Business Resources, Circle Strategies, and Kevin Anderson & Associates. You can access all of them for free with your ticket, you just need to ensure that you sign up for your spot on the website. This will provide participants with an incredible opportunity to hear from experts about industry insights in a close-quarters environment. At The Leadership & Growth Hub masterclass, you will find a sanctuary for visionaries committed to innovation and accelerating their business growth. The DREAMS Business Resources masterclass will help you with your business finances, saving you time and money while also eliminating risks. The Circle Strategies sessions will help you become a balanced leader and manage your relationships, health, hobbies, and business growth. Finally, the Kevin Anderson & Associates masterclass will help you learn insider secrets and powerful strategies to boost visibility, authority, and brand recognition. You won’t want to miss out on these incredibly insightful sessions. Sign up today to avoid disappointment! One of the most popular show features across the globe is the speed networking area. This is a corporate take on speed dating where you can have one-minute mini-meetings with a partner. This is a chance to practice and perfect your elevator pitch. After one minute, your time is up and you move on to the next partner. Offering you a great opportunity to form lucrative new business connections and grow your contact list, you can sign up for masterclasses via the event website. When you visit The Business Show, your free ticket also gives you access to co-located shows The B2B Marketing Expo, The Sales Innovation Expo, and Going Global Live. The B2B Marketing Expo is the leading event for marketing solutions and innovation, providing business, sales, and marketing professionals with everything they need to thrive.Going Global Live helps you to expand your business, set up overseas operations, and make your brand a world-renowned name. So what are you waiting for? You will have unlimited access to The Business Show and co-located events with your completely FREE ticket. To register and guarantee your place, simply head over to The Business Show now. Follow us on social media! Twitter: @TBS_US Instagram: @thebusinessshowus Facebook: The Business Show US LinkedIn: @The Business Show US Marketing & Press Enquiries: Marketing@thebusinessshow.co.uk 

Business, MSM Online, Real Estate

2024 Real Estate Legislative Changes in Florida’s Real Estate Landscape

By Julio GuzmanAs the real estate market in Florida, particularly in Miami Dade County, continues to evolve, several key legislative items are making a significant impact. Florida Realtors play a critical role in these legislative developments, particularly through their annual participation in the Greater American Realtor Days (GARD) in Tallahassee, FL during the Florida legislative session. Their advocacy ensures that real estate policies are aligned with industry needs, influencing positive changes in the legislative landscape. This article delves into four major topics that are reshaping the industry, addressing both the challenges and opportunities they present. 1. Rising Property Insurance Costs The surge in property insurance premiums in Florida is a multifaceted issue, significantly impacted by several key factors. The state is facing this challenge head-on, with a series of reforms aimed at stabilizing insurance costs and providing relief to homeowners and businesses. – Impact of Natural Disasters: Florida’s vulnerability to hurricanes and tropical storms is a primary driver of the increased insurance claims, leading to higher premiums. – Litigation and Fraud: The state has seen a rise in insurance-related litigation and instances of fraud, such as inflated claims, which contribute to escalating costs. – High Reinsurance Costs: The frequent severe weather events have also led to increased reinsurance costs for insurers, a burden that often gets passed down to policyholders. – Market Challenges: Due to these factors, the property insurance market in Florida has become less profitable, leading some insurers to exit the market or reduce coverage, further reducing competition and increasing rates for consumers. – State Interventions: In response, the state is taking several measures. These include encouraging new insurers to enter the market, supporting the ‘depopulation’ of Citizens Property Insurance to foster a more competitive insurance market, and leveraging global reinsurance support. Additionally, in Governor Desantis 2024 proposed budget he earmarks a $409 Million allocation to help reduce insurance premiums potentially by 5%- 6% through tax relief, particularly targeting properties valued under $750,000. These measures aim not only to lower premiums but also to ensure the long-term sustainability of the property insurance market in Florida. Through these comprehensive efforts, Florida aims to address the root causes of the property insurance crisis and create a more stable and affordable insurance landscape for its residents. 2. Hometown Heroes Housing Program To support essential community workers, the Hometown Heroes Housing Program provides affordable housing options to healthcare professionals, teachers, law enforcement officers, and firefighters. This program, part of the Live Local Act, offers zero-interest loans and incentives, recognizing the pivotal roles of these individuals and addressing the state’s affordable housing needs. 3. Business Rent Tax Reduction Aimed at promoting a business-friendly environment, the reduction in the business rent tax from 4.5% to 2% in 2024 is a significant legislative step. This reduction is expected to stimulate business growth and economic competitiveness in Florida’s commercial real estate sector. 4. Condominium Reform Florida is also focusing on condominium reform to enhance governance, maintenance, and financial transparency. These reforms are designed to protect consumers, improve management standards, and boost confidence in condominium investments, a crucial segment of Florida’s real estate market. The Role of Florida Realtors in Legislative Advocacy Florida Realtors play a critical role in these legislative developments, particularly through their annual participation in the Greater American Realtor Days (GARD). Their advocacy ensures that real estate policies are aligned with industry needs, influencing positive changes in the legislative landscape. The intersection of legislative initiatives and real estate in Florida presents a dynamic landscape of challenges and opportunities, particularly in Miami. As stakeholders – including homeowners, investors, developers, and industry professionals – engage with these legislative items, their involvement is crucial in shaping a resilient and thriving real estate market in the Sunshine State.

Business, MSM Online, News & Entertainment

Floridians Turn To Solar Energy As A New Investment Strategy

By MSM Staff Florida is known for its exceptional climate with abundant natural resources spread across the state. This makes the Sunshine State one of the global leaders in Renewable Energy, both in research, development and alternative fuel sources. However, after Hurricane Irma, it was clear that the issue of access to solar power was a massive problem in the State. With the power outage and the delay in restoring power supply, residents were forced to figure out how to power their households. This motivated most residents to consider switching to renewable energy by getting solar panels for their homes.   Although there was an initial restriction to this, the Sunshine State has decided to take a new turn with regards to solar power by approving the lease of Solar to Floridian households. With solar power being a more sustainable alternative for long-term electricity production, a significant number of residents are already making the switch. According to the Solar Energy Industries Association, Florida has the third greatest rooftop solar potential in the country. However, it ranks 14th in installed solar capacity. This new change in policy will boost the growth of both rooftops and utility solar installations in Florida.  But what is even more worth noting about the solar energy concept is that it presents an intriguing new investment concept. In the US companies like Commtrade Solar Group attract clients with a Solar Tax Equity  strategy which can be used (and this is just one of several positive aspects) to significantly lower or even totally eliminate your Federal income tax.   Other Floridians are turning to European sources for their solar investment strategy. “ It’s remarkable how many inquiries we keep getting from American investors. They see the profitable energy market and want to use the state guarantees of the largest European economy here in Germany” said Andreas Becker, representative, Lightcore Energy. What companies like Lightcore do is to propose a very easy and transparent concept for private investors to become a solar power plant owner with sizable, predictable returns. At the same time, investors find the idea appealing that they are part of an environmentally friendly production that benefits not just them but our future generations.   Having one of the highest irradiation levels and fast-growing demand, investors are beginning to see companies like this as more than a bet on energy prices. One’s investment guarantees at least 7% annual growth for 20 years – independent of price fluctuations in the energy market . As a result no one is surprised that  investors are excited about solar power plants and, of course,  Brickell is all over this.

Business, Financial, MSM Online

Armando Soto on How To Make It In Miami & Live the American Dream

By Nadja Atwal / Photography by Alessandra Fiorini Sometimes we just need an inspirational story that reassures us that the American dream is still alive. We would rather work smart than too hard, since in the end we work in order to live and – especially in a place like Miami that needs to be enjoyed all year around. Armando Soto shows us that is no problem at all and we do not have to wait until we qualify for a senior pass to get there. The 32 year old investment banker and start-up-company genius left his home country of Guatemala at age 15 to live with his American mother. He struggled with learning English and getting into college he became a plumber by trade. After refusing to let go of his dream of working in the business world he would read the Wall Street Journal out loud in front of a camera and play back the tape to improve his pronunciations; signed up for college at age 24 at The City University of New York and  jumped into the finance industry. Today he handles billionaire clients and has transacted over 500 million in Leveraged Buy Outs. He currently finances and restructures client investments while building new companies like kids build sandcastles in Miami beach. A frequent guest commentator on national business TV shows, he recently started to make waves across the country as a motivational speaker in front of large audiences especially young people turning up in great numbers to hear his speeches in search of smart guidance with both IQ and EQ. NA: Your story is fascinating and unique and attracts thousands of people to events when you appear as a motivational speaker. Tell us about your early years when you arrived in the US? AS: The early years were very difficult, simply because I was starting my sophomore year in a suburban high school in the middle of nowhere New Jersey. Between the language barrier and the culture shock, school was difficult and making friends in a new country was not simple either. I was bullied by many people including my mother’s brother in law. I remember an instance where I was helping him take out a bag full of garbage and he said to me “practice your new profession”. I could not believe my ears but in hindsight I believe many people discriminate or are racist because they feel threatened in one way or another. I was fortunate enough to have my neighbor Louie who had moved into town from Brooklyn; he was new in school as well so we became good friends and his size deterred many people from bullying me in my junior year. I learned a lot from him in regards to becoming more confident and not taking any abuse from people. Academically with English as a second language it was very tough for me. I was able to learn to speak English fluently by the time I graduated High School and my prospects looked a bit dim for college. I didn’t get accepted into any Universities so I turned to the plumbing trade and went through a four year program. By the time I graduated from Plumbing school I realized it was not my passion at least I learned trigonometry in-depth. NA: Did you have anything like a big American dream? AS: As a child I would watch the movie Trading Places with Eddie Murphy. I asked my father what the World Trade Center was and why the buildings in New York City were so tall. He would tell me all the big business in the world happened there. As a child I would day dream about walking in the streets of New York and working in the trading pits, there was something about the motion creating emotion.  When I moved to the United States I mentioned my dreams to friends and they would laugh at me. NA: How did the switch happen from plumbing business to the finance world? AS: When I was 22 years old I realized being an engineer by trade was not my passion and I felt that I had an untapped potential. The construction markets were starting to show signs of distress right before the great recession. I asked Phillip, a family friend who is a very successful investment banker for a dinner meeting and after eight months of coordinating with his assistant he had some time to meet with me. I had three hours to absorb as much information about investment banking as possible and I told him my plan of going back to school to break into finance. After looking back and thinking about our meeting, I really got key parts of “the recipe” that night. I started commuting to CUNY from New Jersey. It was a rough start but mentally, there was nothing that would stop me and this was just the start of climbing a mountain that would only get steeper with time. NA: Why did you decide not to finish university? AS: I began to look at everything from a finance perspective and I did not have enough money to finish school without falling very deep into debt. I was offered a great job opportunity in finance and asked my Economics professor for advice on whether to take the offer or continue school. He said to me “opportunity knocks…” I answered “once” and he said “well there you go, I wish you the best of luck. Although it seems like you don’t need it”.  I base my decisions based on facts but that day it was based on intuition. NA: Tell us how exactly how you managed to lose your Spanish accent and what motivated you to do this? AS: I used a camera to record myself reading the Wall Street Journal and played the tape back to focus on my mispronunciation. Practice certainly helps. In business being clear and concise when you speak is one of the most important qualities you need to have. The motivator was to fit into America, I came to this country and from day one I

Business, MSM Online

Miami Is Keeping Business Hot – But What About The Risks?

By Nadja Atwal/Photos by Aubrey Chandler Entrepreneurs are tastemakers of lifestyle and Tastemakers are entrepreneurs of lifestyle. Successful entrepreneurs typically influence quality, quantity, choice, and what is generally considered acceptable. Likewise tastemakers of lifestyle recreate the experiences of the rich and famous influence dictating quality, quantity, choice, and what is acceptable, in fashion, style, and popular trend behavior. There are great similarities between entrepreneurs and tastemakers. One could easily say that entrepreneurs are tastemakers of lifestyle and tastemakers are entrepreneurs of lifestyle. Each spends a lot of time on how to influence behavior. Some succeed. Some fail. So what drives success? What causes failure? What are the major differences between the entrepreneur and the tastemaker that dictate success or failure? In the investment community, the best risk management strategy usually wins. Risk is a good indicator for success vs. failure, because risk is a possibility that will have an effect on every outcome. Some stakeholders take risk it into account when measuring success. Most do not. Risk is the potential of losing or gaining. In today’s volatile marketplaces like entertainment, tech, oil, or crypto, having a risk management strategy will certainly gain an edge over the competition. The journey to success relies upon the plan set forth to achieve success as well as how one effectively measures the planned journey along the way. “Entrepreneurial success can be and should be a measurable calculation for the most part,” says Hasaan Austin from BSEP+, one of the nations top risk managers who sees an increased demand especially in Miami. “Yes. There are some intangibles. Very often a successful entrepreneur’s primary objective is to attract capital. Even if not to accept capital but to operate in a best practices fashion to meet capital requirements. This is measurable. Meeting basic capital requirements says to the marketplace that one is navigating and decision-making effectively. The business systems puts in place to affect margin, debt service, and risk will guide decision-making on a path to meeting requirements.” Entrepreneurs like tastemakers also draw upon inherent traits for decision-making like talent, feelings, experience, and intuition. However investor demands for risk management often limit how much unquantifiable decision-making takes place. Investors require more calculated result driven decisions. Yet a healthy combination of both type of decision-making can serve well if one can demonstrate high performance over time. Nevertheless quality risk management will help you keep score on your journey to success and help you triumph. Tastemakers generally apply more inherent decision-making traits as influencers, like celebrity, vibe, buzz, gut feelings, and social sentiment. These traits are often unquantifiable but have great inherent business value that can influence outcomes. When you combine these traits with risk management measurables, this can create a great tastemaker lifestyle venture, which will yield better results. Tastemakers should be more vested in their influence, why not? Tastemakers are often unknowingly stimulating business ecosystems. Tastemakers dictate the movement of capital, resources, and job creation simply by creating a demand. Tastemakers shift consumer-spending behavior, influencing choice, price points and more. What makes Miami special in this context? Hasaan Austin sees the evidence speaking for itself: “Miami is a top tastemaker destination. People come from all around the world to experience the tastemaker lifestyles of the rich and famous in Miami. When Rene Ruiz, Miami Fashion Designer extraordinaire, fits Deborah Norville for The Oscars Red Carpet, all the sentiments of Miami being the next big fashion city starts to reign true. Or when Thirstin Howl the 3rd talks about being “Fresh Dressed,” it becomes a LoLife movement in Miami and around the world. Or when DJ Irie, DJ of the Miami Heat says, “Some of my favorites include Spectrum Miami and Red Dot Miami,” people’s choices change. These influencer choices can shift economies. As tastemakers become more vested stakeholders and incorporate more corporate structures and risk management strategies into their ventures, they become more entrepreneur-like, right? The line between entrepreneur and tastemaker is blurring more everyday as best practices are put into place. As stakeholders, downside risk should be a primary focus in measuring outcomes. Whether you’re using the Balance Sheet Enhancement Platform to protect your principal and hedge against downside risk in your investment portfolio or enhance your entrepreneur undertaking with a credit enhancement to attract capital, you should have an effective risk management strategy in place”. Sound advice. Entrepreneurs and tastemakers are stakeholders that operate in the same box seeking maximum return on investment from their efforts. What separates one from the other is generally who applies more measurable business fundamentals to quantify success. Success can be measured many ways. Most rely on the X’s and O’s written on the chalkboard. Some rely upon talent, instinct, or a combination of each. Nonetheless the measurement will always be how close was your “planned” strategy to your “actual” outcome?

Business, MSM Online

My Miami – with Jamie Colby of Fox Business Network’s primetime reality series Strange Inheritance

By Nadja Atwal Popular Fox News anchor Jamie Colby may be one of the smartest ladies on TV. The stunning blonde with the infectious smile was a practicing attorney before she entered the world of TV and is currently licensed in California, New York, Florida AND the District of Columbia. If that was not enough she is also an accountant, a mortgage broker, and a real estate broker. Her smarts showed early on when she got admitted to the University of Miami International School of Business at age 14! Currently the diverse media pro who has an extensive journalistic background with networks like CNN, CBS and FOX (among others) is hosting Fox Business Network’s primetime reality series Strange Inheritance. But her busy business schedule never keeps her from enjoying one of her favorite places: MIAMI. We were curious about all the details…. 1.) When in Miami you may catch me at….the Palm Court in the Design District, listening to the Miami Symphony or enjoying irresistible food and live music at Estefan Kitchen!    2.) The biggest misconception about Miami is…that it lacks culture and is just a retirement locale or party town. I always make time to check out the art scene in Wynwood, the Bass museum, Faena Art and try to score tickets to the now famed Art Basel. I’ve watched the art scene take off in my hometown since before Basel started in Miami. You can literally attend something incredible every night!   3.) The last restaurant I enjoyed in Miami was….that’s an easy one. Joe’s!!! Steve Sawitz is the world’s greatest host and I can never go enough for stone crabs and all the sides! You are making me hungry!   4.) What surprised me about Miami was…that I ended up living there! My folks were both native New Yorkers but when they uprooted my brother retired Dade County Circuit Judge Jonathan Colby and I to move to Miami, they did us the greatest favor!   5.) Best reason to return to Miami aside from the weather? The people! I have a ton of childhood, college (Go Canes!) and law school friends in town but wherever you go in town, there’s a colorful crowd that’s ethnically diverse and I think that’s what makes Miami so special. I wish more people would check out how far Miami has come in its beauty, entertainment, art and hospitality. Growing up one of my funniest memories was my best friend Stephanie Koretzsky who was a hotel operator at the National Hotel owned at the time by her dad Murray. These were the days when you had wires you plugged into the switchboard to connect calls (think Lily Tomlin and one ringy dingy). Every time I drive down Ocean Drive which looks nothing like it did then, I think about how funny Stephanie sounded – just a kid playing a hilarious hotel operator. The shopping keeps me coming back too. I love the Webster, En Avance and a trip to Bal Harbor with lunch at Carpaccio of course!   6.) First time I became really curious about Miami was …right now! I just can’t even imagine what it will be like in 10 years. Construction is booming, people are investing and the art scene that I am so passionate about is literally on fire! How exciting for all of us who love Miami so much.   7. ) What happens in Miami stays  in Miami…and  our magazine. Any  secret or funny moment you ‘d like to share about you and this city? I am such a big fan of Steve Sawitz and Joe’s Stone Crab’s, after all he is a childhood friend, that after I went into labor with my son and was warned no meals before delivery, I made a stop at Joe’s take out on the way to Mount Sinai Hospital down the street and had a feast of claws, coleslaw and hash browns! My delivery room nurse was clearly not pleased so after my son Gregory arrived, I sent the whole labor and delivery staff a take away Joe’s meal they’d never forget.

Business, Financial, MSM Online

Top 5 Items People Totally Forget To Tax Deduct

                  By Nadja Atwal Who is surprised that most people get on their tax returns during the last 3 weeks of the deadline. But if you are the last minute type, it’s okay – as long as you the smart type. Now when it comes to being smart with money, who better to ask than one of TV’s favorite money experts, asset manager Ken Mahoney. Between his market analysis on all the top TV and radio business shows and his signings of his latest bestselling book “ Life on your terms”, we caught Ken just in time to give us his  top 5 list of items people totally forget to tax deduct. 1. State sales taxes This write-off makes sense primarily for those who live in states that do not impose an income tax. You must choose between deducting state and local income taxes, or state and local sales taxes. For most citizens of income-tax states, the income tax deduction usually is a better deal. The IRS has tables for residents of states with sales taxes showing how much they can deduct. But the tables aren’t the last word. If you purchased a vehicle, boat or airplane, you get to add the state sales tax you paid to the amount shown in IRS tables for your state, to the extent the sales tax rate you paid doesn’t exceed the state’s general sales tax rate. The same goes for home building materials you purchased. These items are easy to overlook. The IRS even has a calculator to help you figure out the deduction, which varies by your state and income level. 2. Out-of-pocket charitable contributions It’s hard to overlook the big charitable gifts you made during the year by check or payroll deduction. But the little things add up, too, and you can write off out-of-pocket costs you incur while doing good deeds. Ingredients for casseroles you regularly prepare for a nonprofit organization’s soup kitchen, for example, or the cost of stamps you buy for your school’s fundraiser count as a charitable contribution. If you drove your car for charity in 2016, remember to deduct 14 cents per mile. 3. Child and Dependent Care Tax Credit A tax credit is so much better than a tax deduction—it reduces your tax bill dollar for dollar. So missing one is even more painful than missing a deduction that simply reduces the amount of income that’s subject to tax. But it’s easy to overlook the child and dependent care credit if you pay your child care bills through a reimbursement account at work. Until a few years ago, the child care credit applied to no more than $4,800 of qualifying expenses. The law allows you to run up to $5,000 of such expenses through a tax-favored reimbursement account at work. Now, however, up to $6,000 can qualify for the credit, but the old $5,000 limit still applies to reimbursement accounts. So if you run the maximum $5,000 through a plan at work but spend more for work-related child care, you can claim the credit on up to an extra $1,000. That would cut your tax bill by at least $200. 4. Medical and Dental Expenses If your medical and/or dental expenses are over 10% of your Adjusted Gross Income, or if you are over 65, they are 7.5%, over you AGI, it’s deductible. 5. Job search Expense Transportation, parking, tolls, preparing your resume, printing, agency fees are also all tax deductible. Plus, the annoying items we wish we could 1. Donations to Non-Qualifying Charities, like friends and family Giving to a good cause can help you out at tax time, but only if you’re making a donation to a qualified charity. Handing out cash to a friend or relative who’s struggling to find a job, for example, is certainly charitable. But it won’t help you score a tax break. 2. Pet Care Expenses Fluffy may seem like a member of the family. But that doesn’t mean you can claim him as a dependent or get a deduction for his day-to-day care. 3. Commuting Expenses While business-related travel expenses (including the cost of flights and hotel stays) may be deductible, ordinary commuting expenses are not. If you take a bus, taxi or subway to get to work each day, you can’t deduct those costs on your tax return as business expenses. You may be eligible for a deduction, however, if you’re paying to travel to a training session or conference held outside of your office. 4. The Loss on the Sale of your home A capital loss on the sale of your home, used by you as your personal residence at the time of sale is considered a nondeductible personal expense. You can only deduct losses on the sale of property used for business or investment purposes. The only way you can obtain a deduction if you sell your home at a loss is to convert it to a rental property before you sell it. However, your deductible loss will be limited 5. Home Improvement Expenses Home improvement expenses generally aren’t deductible. One exception involves the renovations you make to a home office. Not everyone can take the home office deduction. But if you have a legitimate reason for claiming it, you may be able to deduct the cost of any upgrades you’ve made to your home office. While you can’t qualify for a deduction for giving your kitchen a makeover or adding a new sunroom, these projects may raise your property value. If that happens, you can write off the additional property taxes that you have to pay. www.kenmahoney.com  

Beauty, Business, Cover Stories, Interviews, MSM Online

Interview: Miami Power Woman, Lea Black

Interview by Nadja Atwal / Photography by Greg Lotus They say “It takes one to know one.” Therefore, we asked successful business woman and political commentator Nadja Atwal (who made headlines first after she was named sexiest power woman by a top US magazine) to interview one of Miami’s most prominent power women: Lea Black. Power some galore! Black became known to a large audience on the show “The Real House Wives of Miami” where to many she was the stand out class act, the one real lady with smarts and calmness in a pool of vanity and madness. Like our former cover model Joanna Krupa, she was already a success story before she joined the show and has managed to diversify her career by building her brand, becoming a bestselling book author and making her charity one where actual A-listers line up. And all the while making family life work as a devoted mom and wife. 1. Most viewers thought you were the voice of wisdom on The Real Housewives of Miami…What did you take away from your time on the show and the high dosage of female drama? Any new lessons learned? I learned some people will do anything for attention and it’s best to stay away from people that have nothing to lose. Drama and conflict can be interesting when it’s organic and based on fact with good intentions meant for true resolution. But when it gets dark, or it’s fabricated, it’s not interesting or entertaining. 2. Your tag line for Season 2 of RHOM was “I can deal with a lot of things but I can’t deal with stupid.” How did it come to that… too many run ins with incapable people? Yes! I even put it on pillows and a cosmetic bag that we sell at leablack.com I realized that when dealing with smart people that have something to gain and something to lose you can usually come to agreement or agree to disagree, and at least have stimulating conversations.  But people that think any means justify an end or that are stupid enough to say and do anything not thinking about long term damage are just not worth being around and in their crossfire. Smart people make life easier even when you disagree. Stupid people are short sighted and too stupid to even consider collateral damage and consequences. Trying to reason with stupid is a waste of time. I never want to be the smartest person in the room. I want to be around people smarter than me to learn from them and evolve. 3. As power women we are easily pushed in the corner of  being harsh even dudish and the label “bitch” comes easily into play. Yet you look very feminine, and are a loving mother and wife. Do people feel confused about you and how would you describe yourself? I think for the most part I am misunderstood. People don’t really know me they just think they do. And what I think of myself is far more important to me than what others think of me. I know I’m fair, honest, have integrity, keep my word and try to do the right thing. People can interpret my actions and words however they want to and twist them to suit their preconceived ideas of me but I don’t compromise who I am and what I believe to expose who others are. They usually do a good job of that on their own. I’m a pretty down to earth jeans and tee shirt simple girl that enjoys the good life but I’m not beholden to it or defined by it. I know the difference between being and doing, and that gives me peace of mind.   4. On twitter you are very outspoken about politics. Even though I could not disagree more with you on our president elect, I always enjoy your tweets and applaud you for your outspoken attitude. Now how are you dealing with friends and biz friends who like you very much but also like our newly elected president?  People have different political beliefs for different reasons. I’ve always fought for the underdog. Many times I feel I fight harder for them than they fight for themselves. I don’t believe a guy who has been as self serving as Trump has been for 70 years all of a sudden cares about the underprivileged and middle class. He pushes all of my buttons. Even if I agreed with him on policy his behavior disturbs me and I don’t trust him. He’s said too many things that in my opinion denigrate the office of the President and how we are perceived in the world. I’m truly hoping the people that favor him aren’t disappointed. Many Americans want the same thing and just have different ways of getting there. Then there are the haters and haters are gonna hate. Period the end. So I just ignore them and don’t have them in my life. 5. As a business woman you built a respectable little empire already. Skincare, handbags…how and why did this all start? I started my business in the 1980’s. I created some beauty products that I really believed in and still believe in today. Along with top chemists I created Sudden Youth, a non surgical face lift kit that tones, firms, tightens, lifts and has lasting results. I’ve built a worldwide organization of sales reps that wanted to be able to earn income based on their accomplishments rather than what someone was willing to pay them. Many of them became very high powered business people earning large incomes today based on the training and entrepreneurial skills we taught them over the years. I’ve used Sudden Youth since the first jar and I still use it today along with customers I’ve cultivated over the years. Ten facials for $95 is unquestionably the best skincare for the best price that I’ve ever known of. I now sell it online at leablack.com along with affordable handbags and fashion jewelry. And we export. It’s a

Business, Financial, MSM Online

My Miami: On Brexit Poll Day, Wall Street Expert Larissa Posner…

Photo by Lars Gerhardt Photography By Nadja Atwal On Brexit Poll Day, Wall Street Expert Larissa Posner Was Grateful We Gave Her A Break From Market Prognosis and Instead Picked Her Brain About Miami. On her last business trip, Larissa Posner visited seven cities in five days, meeting with fund managers, investment advisors, private bankers, and high net worth individuals, often consulting in light of the uncertainty of Brexit and other issues facing the world markets. Guiding asset allocation, both domestically and abroad is her métier. As often the custom, they all wanted to discuss their financial futures over a meal. Fitting thirteen lunches into five days is a highly improbable hat trick, but Larissa states that with flexible schedules, a large appetite and a pair of sneakers it was completely doable and she considers that a slow week. This high octane, force of nature, has been killing it on Wall Street for nearly decade. Not often does an international fashion model go from the runway to corporate hallways, but Larissa wanted to take control of her earnings and soundly invest without being reliant on others. After studying portfolio construction, quantitative analysis, economic theory, and risk management, Larissa passed her Series 65 and took a job at a large Greenwich, Connecticut Hedge Fund where she quickly assumed a vice-president role in the company. From that point on there’s been no turning back for Larissa. Consulting in Corporate Access for the past four years, Larissa has also found time to create an Investment Advisor firm with feet planted in both ends of the spectrum. With fundamental strategies and analysis, a team devoted to machine learning research, and tax-efficient wealth planning, Larissa’s days go deep into the night. When she’s not in the office, in transit, or on the phone, Larissa enjoys hosting dinners for friends and family and hanging out in her vegetable garden. In short, this woman is on the move and loves Miami for both business and pleasure. We founded to find out more… 1.) When in Miami you may catch me… At one of my favorite locales, the Vizcaya Museum and Gardens. The entire place is intricately designed to transport you to another world. When I’m not in the mood for the hustle and bustle of the city, this is my comfort zone. You don’t have to cross the pond to experience 17th and 18th century France and Italy. 2.) The biggest misconception about Miami is… Miami is only for good for Spring Breakers, partygoers and plastic surgeons. The city is so far from that! Miami is a cultural microcosm teeming with events for all walks of life. From South of Spice to the World Golf Championship and Coconut Grove Arts Festival, the city really does cater to entrepreneurs, socialites and families alike. 3.) The last restaurant I enjoyed in Miami was… Los Fuegos at Faena Hotel. As someone who cooks myself, I love to discover sophisticated flavors. I wish I could learn Chef Mallman’s secret to the grilled octopus and Kurobuta pork belly there. Scrumptious! The food and decor transport me to Argentina every time. 4.) What surprised me about Miami… It’s as much a financial hub as it is an epicenter of diversity. A business luncheon at Juvia isn’t “work” when I can talk shop, have an amazing lunch, grab a quick confection at Dylan’s, peruse art at Peter Lik’s and finish the day with a performance at New World Symphony that evening. In Miami, business IS pleasure. 5.) Best reason to return to Miami aside from the weather? Miami is the place where the crème de la crème of the culinary universe converge. It’s the desired hot spot for extensions of some of my favorite international restaurants–Koya, Zuma, Milos and Hakasan, to name a few. Plus, The Food TV Network’s Wine and Food Festival brings together the “who’s who” of the culinary world to Miami for an unbelievable weekend each February. The city is a chef’s paradise and a virtual dreamland for epicures like myself. 6.) First time I became really curious about Miami was… When I heard about the Miami City Ballet Company’s Underwater Ballet! If I wasn’t sure Miami was a trendsetter before, I certainly knew after seeing that. Traveling around the world, I’ve seen some beautiful performances, but this one is stellar. It’s an unforgettable experience that had me longing for all the innovative adventures Miami has to offer. 7. ) What happens in Miami stays in Miami…and our magazine. Any secret or funny moment you’d like to share about you and this city? On one trip to Wynwood, I stopped at a gallery to peruse what was on display. I noticed a black and white still-­life photography exhibit of rocks. I’d say it was “common chic”, if you catch my drift. Anyway, as I walked toward the exit, I saw a framed photo of the most precious, full-­of-­life, happy­-go-­lucky dog. I was staring and smiling at the adorable photo when another viewer approached me and asked what I thought about the exhibit. I replied, “I love it! It’s so cute and full of life; I just want to take that dog home and cuddle with him!” Well, it turned out that the stranger was the actual artist. He glared at me and mumbled through his teeth, “I traveled around the globe with the most technologically-­advanced camera and light equipment and a crew of five assistants, walked through canyons, climbed up mountains and crossed streams to get perfect shots of these magnificent stones…and you stand in awe of my Labrador Retriever photo that I snapped with my iPhone. Thanks.” I felt so bad, but honesty is the best policy, right??

Business, MSM Online, Tech

eMerge Yourself into the World of Technology

By Gisel Habibnejad Now in its third year, eMerge Americas is a two-day event hosting technological innovations through EXPO space experiences, networking interactions, and conferences. The EXPO floor included exhibitor booths, through which the latest innovations were displayed; a “Launchpad” of entrepreneurs who shared their experiences and inventions; a Hackathon where about 125 coders had 24 hours to decode complex challenges built by API sponsors for a chance to win more than $50,000 in cash and prizes; and a hiring fair. The summit talks incorporated various topics fit to inspire innovators of all journeys in technology. The Government Innovation Forum (eGOV) brought together leaders of government and business to discuss “how public-private partnerships leveraging disruptive technologies are transforming our communities” and to deliberate on transforming our communities into smart cities. Made up of over 100 startups from around the world, the eMerge Americas Startup Showcase provided a point for these companies to interact with hundreds of investors and partners. The Women, Innovation, and Technology Summit (WIT) is a one-day summit that united powerful women of the industry to inspire and motivate event goers by presenting leaders “who are bridging the gap between the creative and tech industries” and also featured a Technology and Innovation fashion show. Other conferences consisted of the Textpert Stage, which allowed visitors to engage with experts who discussed the latest innovations and trailblazing technologies. This year’s keynote speakers were comprised of General Colin L. Powell, Monica Lewinsky, Tony Hawk, Pitbull, Chairman of CNBC Mark Hoffman, Chairman of NBCUniversal International Group and NBCUniversal Telemundo Enterprises Cesar Conde, Co-Founder of America Online Steve Case, CEO of AT&T Ralph de la Vega, Co-Founder of Netflix Marc Randolph, and many more. Of course, we can’t forget the VIP parties, live entertainment shows, and cocktail soirees. Each offered special ways to interact and network with peers who are involved and enjoy the same technological industry. These events were hosted at Lincoln Road, the Paris Theater in South Beach, and the Perez Art Museum Miami (PAMM). eMerge Americas takes place in the growing tech community of Miami hosting industry leaders, government officials, and investors from North America, Latin America, and Europe. The year’s biggest B2B event of the Americas was aired nationwide courtesy of CNBC and Telemundo, and was also broadcasted live to other countries such as Europe, Africa, and Asia. For more information, please visit www.emergeamericas.org

Business, MSM Online, Real Estate

Real Estyle: St. Regis Bal Harbour PH-08

The St. Regis Bal Harbour has a new penthouse on the market listed through Douglas Elliman’s Bill Hernandez and Bryan Sereny. 2 bedrooms, 2 baths, 1 half bath and 2,389 sf of living space with amazing oceanfront views priced at $5,100,000 This southeast facing penthouse created by designer and architect, Raboni, is equipped with all of the most luxurious finishes. Additional upgrades include elevated ceilings, a fully equipped Italian designer Boffi kitchen, Crestron sound and lighting system, custom imported Italian marble floors, as well as extra closet space throughout with custom cabinetry in hallway, elevator foyer, den and 2nd bedroom. Enjoy the luxurious oceanfront lifestyle from this custom penthouse at St. Regis. St. Regis Bal Harbour Unit PH-08 is located at 9703 Collins Ave, Bal Harbour, FL. For more information on this St. Regis Bal Harbour listing, please visit http://www.elliman.com/florida/st-regis-9703-collins-avenue-ph-08-bal-harbour-nbaijhp Photography Courtesy of Douglas Elliman

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