50 CENTS Next delivery date is December 7th VHA Question ... · 50 CENTS Next delivery date is December 7th November 2016 • Vol. 22 No. 11 Inside This Month’s Voice Seniors Vs.

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50 CENTS Next delivery date is December 7th November2016•Vol.22No.11

Inside This Month’s VoiceSeniorsVs.Crime-InfomercialScams

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VoteNotesSee Page 4

Master GardenerSee Page 5

RECYCLE NOTICE

VHATownHallQ&A

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Bike Friendly Community CornerSee Page 15

TheVillagesHomeownersAdvocates

Keeping the Dream Alive

The announcement of the purchase of amenities and recreation facilities South of CR-466 by the SLCDD has resulted in a lot of questions, false information and “swimming pool” rumors. In

order to answer these questions and provide complete and accurate information regarding this purchase, the VHA presented the follow-ing question to Janet Tutt, District Manager of The Villages Community Development Districts.

QUESTION: Why is the purchase of the amenities and recreation facilities South of CR-466 a wise long term decision for Villages Residents living in those Districts? Numerous Residents are wondering why we are spending all of that money and what are the benefits of doing it now vs. later?

JANET TUTT: Thank you for the opportunity to address the purchase of the Amenity revenue stream and recreation facilities. There have been a number of rumors regarding the sale, and it has resulted in confusion and angst on the part of many residents.

It was Mr. H. G. Morse’s vision that the amenity facilities and activities in The Villages would be owned by local government to provide sustainability and transparency. He believed it would best serve the residents. And to this date he has been correct.

When residents purchase a home in The Villages,

InformativeVHANorthMeetingSee Page 6

VHA Question & Answer with Janet Tuttthey sign a contract that provides that they will have access to the amenity facilities and services in place at the time they purchase their home in exchange for a monthly amenity fee. The amenity fee residents pay to Villages of Lake-Sumter, Inc. (VLS) is a fee for service.

Within the contract is the ability for the VLS to “assign” or sell the amenity fee revenue and facilities. To this date, VLS has sold 6,604 Amenities (rooftops/residences) and facilities to the Sumter Landing Community Development District. This sale, along with the 21,707 amenities that have been sold to The Village Center Community Development District, provides for a government entity ownership.

The benefits to local government ownership? Just some of the benefits of government ownership are that all of the Districts’ financial planning, meetings and actions are open for public participation. All of the Districts’ finances, budgets, accounting and audits are open for public review; plus there are fiscal benefits as a result of local government ownership.

There is a misunderstanding by some who believe it is the residents that are taking on the debt of the bond that is being issued by the SLCDD. That is incorrect. Included with the purchase, the District will receive the amenity fee revenues from the purchased rooftops which will be used to pay for the debt service, the operation and maintenance costs along with funds set aside in reserves.

How much of the Amenity Fee will be used to pay debt? A portion of the amenity fees that is NOT needed to provide the outstanding level of amenity services and maintenance, a portion that is NOT needed to fund reserves for future capital/maintenance needs and a portion that is NOT needed for working capital (everyday bank account).

Just as an example, there were 6,604 amenities purchased by SLCDD in 2005 from VLS. Since that time, services and maintenance have been kept to the same high standard and SLCDD currently has

$11,250,000 in reserves and over $6.8 million in working capital in the budget for the beginning of this fiscal year. And in 22 years, all of the amenities and facilities will be paid for in full.

One final point is the question of how the price of the purchase was established. As provided in the negotiated purchase agreement, both the District and VLS had an independent valuation conducted. The Agreement provided for a purchase price to be the lesser of the two valuations if they were within 5% of each other or an average of the two if they were within 10%. As the valuations were within 10%, an average of the two was used. The company the District used is a very reputable firm (Public Resource Management Group) that provides these services for government entities throughout the southeast. VLS used a renowned Florida economist (Fishkind and Associates) who provides these services for a multitude of clients. We, fortunately, are in a very good financial market that will benefit us by pricing the bonds before the beginning of 2017 when there is anticipation the fiscal benefits will begin to decline.

Finally, this purchase was always anticipated and part of the plan to provide for a strong future for this community: a sustainable model that benefits all the residents in the long term. Your amenity fees will not be impacted and the only adjustments will be the CPI annual adjustment you currently experience based on your declaration of restrictions.

I welcome everyone to visit the District web site and look through the documents ranging from the purchase agreement to the valuations to the various bond related documents. Should residents have questions, they can contact me at [email protected]. We appreciate and will respond to everyone’s input. We also urge everyone to attend District Orientation or Resident Academy to better understand your local government. Just check out our web site at www.districtgov.org for more information.

OLDVILLAGESPHONEBOOKSSHOULDBEPLACEDWITHYOURRECYLING

PLEASEDONOTLEAVEPHONEBOOKSATPOSTALSTATIONS

VHATownHallQ&ASee Page 9

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VHA BOARD MEMBERS – EXECUTIVE COMMITTEEFred Briggs,[email protected] --------------------------------- 717-805-8500 Joe Elliott, Executive Vice Presdient, [email protected] --------- 757-846-1998Joan Sullivan, Secretary, [email protected] 430-0755Ray Glessner, Treasurer, [email protected] --------------------------- 751-0701

PAST PRESIDENT: Bill Gottschalk, [email protected] --------------------- 430-8011

NORTH AREA VICE PRESIDENTJoan Testa, [email protected]

CENTER AREA VICE PRESIDENTPhil Walker, [email protected] ---------------------- 753-8618

CENTER AREA ASSISTANT VICE PRESIDENT Walter Lazinski, [email protected] ------------------------------- 259-0969

SOUTH AREA VICE PRESIDENTKay Elder, [email protected] ------------------------------------ -633-9494

SOUTH AREA ASSISTANT VICE PRESIDENT Art Donnelly, [email protected] ------------------------631-792-2203

REGIONAL DIRECTORSLAKE COUNTY

Dan Bard, [email protected] ----------------------------------------------------------- 352-391-2035REGION 1 ASSISTANT DIRECTOR

Carol Lynn Nelson, [email protected] ------------------------------------------ 753-3249REGION 2 DIRECTOR

Lu Bowen, 1128 Santa Cruz Dr., ------------------------------------------------------------- 259-2155ASSISTANT DIRECTOR

Carol Speicher, [email protected] -------------------------------------------------- 259-9934 REGION 4 DIRECTOR

Barb Fielitz, ------------------------------------------------------------------------------- 751-2626REGION 6 & MISSION HILLS DIRECTOR

Bernie Carleton, [email protected] ----------------------------------------------- 914-262-0559ASSISTANT REGION 6 DIRECTOR

Bob Griffin, [email protected] ------------------------------------------------------------ 391-1105REGION 7 DIRECTOR

Mark Gallo, [email protected] ------------------------------------------------ 259-1765REGION 8 DIRECTOR

John Conboy, [email protected] ---------------------------------------------------------- 750-8039REGION 9 DIRECTOR

Matt Friedland, [email protected] ----------------------------------------------- 631-339-2739ASSISTANT REGION 9 DIRECTOR

Elliott Schnabel, [email protected] ------------------------------------------ 352-391-9383 REGION 10 DIRECTOR

Steve Andelman, [email protected] -------------------------------------------------------- 399-6069

AT LARGE & APPOINTED DIRECTORSJim Brockman, [email protected] --------------------------------------------- 693-2180

Russ D’Emidio, [email protected] ------------------------------------------------------ 750-4486

Jim Hipple, [email protected] ----------------------------------------------------------- 633-2976

Harry Lee, [email protected] ---------------------------------------------------- 259-2085

Irv Markley, [email protected] -------------------------------------------------------------- 425-9854

Walter Martin, [email protected] --------------------------------------------------- 205-7099

Sandy Mott, [email protected] ------------------------------------------------------ 753-7856

Kathy Porter, [email protected] --------------------------------------------------- 259-8196

Art Rowe, arowejr61@gmail.com----------------------------------------------------------- 250-6811

Chuck Wildzunas, [email protected] -------------------------------------------------- 753-3703

COMMITTEE CHAIRS:Membership

Kathy Porter, [email protected] --------------------------------------------------- 259-8196 Charitable Foundation Board

Joe Elliott, [email protected] ---------------------------------------------------- 757-846-1998Sunshine Committee

Gail Burgess, [email protected] ------------------------------------------------------ 750-1371 Communications/NewsletterSandy Mott, [email protected] ----------------------------------------------------- 753-7856 Helping Hands Program Director John “Skip” McDonald, [email protected] ------------------------------------------- 352-973-2284

Golf Car Safety Clinic Mark Gallo, [email protected] ------------------------------------------------ 259-1765

As The VHA marks 25 years of serving the residents of The Villages, we are con-tinuing to identify additional areas in

which we can serve our community. In order to achieve this goal, we are proud to announce our new Vision, Mission and Values statements.

TheVHAVisionKeeping the Dream Alive

TheVHAMissionTo enhance the residents’

enjoyment and pride of community through compassion, advocacy and education.

CoreValuesThe VHA is committed to excellence

and driven by the following values: • Ethics• Honesty• Independence• Education• Collaboration• Proactivity

Policy: Vision, Mission and Core Values

Hi Everyone, It’s that time of the year when we move into the Holidays

and hopefully take time to stop and give thanks to those who sacrificed so much to defend our freedom.

On November 11th, we honor all who served the United States in the military in all wars, particularly those living veterans. It’s a very important day of remembrance,

and I hope all of you will take the time to thank any veterans you know for their service and to remember those you knew who are no longer with us.

Then we move on to Thanksgiving. It’s a time to gather with friends and family to give thanks for our blessings and certainly one of those is the opportunity to live in The Villages.

Thanksgiving has always been a time when all of our family would gather together and celebrate how lucky we were to have each other. Our children are trying to maintain that tradition, but they admit it was much easier when Mom and Dad were with them, in Pennsylvania.

We all have something to be thankful for right here. Our damage in The Villages from hurricane Matthew was limited to winds and rain. While we had leaves, tree limbs and debris to pick up, folks in our coastal communities will be dealing with Mathew’s aftermath for months to come.

The VHA is really excited about our upcoming major event being held on February 18th. Our “Hoedown” event will provide good food, wonderful entertainment and lots of fun for Villagers and the surrounding communities. Be sure to mark your calendar; you’ll want to be there. There’s no admission fee and only a small charge for parking.

Here are a few of the participants:• Lori Gill and the Note Benders• Country Band Favorite “Hayfire”• Local Country Band Featuring Kenny Hicks• Cowboy Tom and his Wild West Show• Cameron Cox, Four Time Florida Bullwhip

Cracking Champion• Sumter County Sheriff’s Tactical Vehicle

Display

• Firetrucks, Ambulances, Antique Farm Equipment

• Old McDonald’s Farm Animal’s Display and assorted Games for Children

• A Polo Demonstration• Demonstrations of Quilts, Whittling, Yarn

Making• Food and Merchandise Vendors and Beer &

Wine Sales • T & D Family of Companies Cowboy Stew

Cook-off• A 50/50 • Cow Chip BingoWe’ll need lots of Volunteers to help us make our

“Hoedown” a success. If you want to be a Bartender, drive a golf cart to transport attendees from the paddocks parking area to the event, sell tickets for the 50/50, beer and wine, and Cow Chip Bingo or help support other needs for the event please call and sign up as a Volunteer by contacting:

• Joan Sullivan @ (352) 446-4705 or email at [email protected]

• Russ D”Emidio @ (352) 750-4486 or email at [email protected]

Lastly, I’d like to relay a story about one of my heroes whose recent passing saddened us all because he was a wonderful man and enjoyed a life well lived.

When I was a young Naval Officer in the early 1970s, I went to the Master’s practice round with a shipmate of mine. In those days, if you wore your uniform you could attend any day of the tournament for $5.00. We saw that Arnold Palmer was going to play while we were there and having never seen him up close, we stationed ourselves along the edge of the fairway on hole number nine and waited.

Not long after we got there we saw Arnold coming down the fairway walking toward his ball and carrying a towel with which he was wiping his face on that very hot day. He got very close and looked right at us. I said “You look like you could use a Rolling Rock.” He stopped, smiled that great smile and walked over to us and stuck out his hand and said “You must be from Pennsylvania, and thank you for coming, it’s great to have the Navy here.”

That’s who he was, a man who would take a moment from his practice round at the Masters to create life-long fans. There will never be another Arnold Palmer, RIP.

Fred Briggs, VHA President

A Message from VHA President Fred Briggs

TheVHAVoice,November2016,Page3

November District Government MeetingsWelcomeWednesdays

Wednesdays each week 11:00 am District Office

Lake Sumter Landing – 984 Old Mill Run For additional information

Contact the Customer Service Center at 753-4508

CDD OrientationThursdays each week 10:00 am

District OfficeLake Sumter Landing – 984 Old Mill Run

(753-4508)

ProjectWideAdvisoryCommitteeCommittee Meeting

Monday, Nov. 7, 9:00 amDistrict Office

Lake Sumter Landing – 984 Old Mill Run

AmenityAuthorityCommitteeCommittee Meeting

Wednesday, Nov. 9, 9:00 amSavannah Regional Recreation Center

1545 Buena Vista Blvd.

CDD 11Board Meeting

Wednesday, Nov. 9, 3:00 pmBoard Meeting

District Office Board Room984 Old Mill Run – Lake Sumter Landing

CDD 7Board Meeting

Thursday, Nov. 10, 8:00 amDistrict Board Room

984 Old Mill Run – Lake Sumter Landing

CDDDistricts1through3Board MeetingsMonday, Nov. 14

Dist. 1, 8:00 am; Dist. 2, 9:30 am;Dist. 3, 11:00 am


CDD District 4Board Meeting

Monday, Nov. 14, 1:30 pmSavannah Regional Recreation Center

1545 Buena Vista Blvd.

CDDDistricts9&10Board Meeting

Thursday, Nov. 17Dist. 9, 1:30 pm; Dist. 10, 3:00 pm


CDDDistricts5,6&8Board MeetingsFriday, Nov. 18

Dist. 5, 8:00 am; Dist. 6, 9:30 am;Dist. 8, 11:30 am


For more information, please contact Jennifer McQueary • [email protected] or 751-3939

Seniors Vs. Crime - Check Overpayment Scams

Seniors Vs. Crime and the Federal Trade Commission (FTC) is warn-ing consumers of a dangerous and growing swindle called the “Check Overpayment” scam. It is now the fifth most common

telemarketing fraud and the fourth most common Internet scam ever reported.

Seniors Vs. Crime has been receiving increasing number of reports from victims of this scam as well as residents who saw it but dodged the scam. It seems that most victims in our area were selling something either through the newspaper classified ads (online or print), “For Sale” sites such as Craig’s List, or similar means.

In the check overpayment scam, the person you are doing business with sends you a check for more than the amount they owe you, and then instructs you to wire the balance back to them. Or, they send a check, and tell you to deposit it, keep part of the amount for your own compensation, and then wire the rest back for one reason or another. The results are the same: the check eventually bounces, and you’re stuck, responsible for the full amount, including what you wired to the scammer.

The checks in this scam are fake, but they often look real enough to fool most bankers.

In our area, the majority of “sales” involve buyers out of the country (possibly in military service) who cannot come to view, pick up, and pay for their purchase in person. They offer to pay in advance by a ‘certified check’. The check is always for more that your asking price. They may advise you they will arrange for a shipper to pick up their purchase but you should cash their check and mail the shipper the excess amount as the shipping costs. Or they may actually send someone to your door to pick up the

merchandise and ask you to give that ‘company’ the excess payment (in which case you lose cash as well the item you were selling). The stories vary but it always involves YOU sending someone else money.

The FTC offers the following tips for avoiding the check overpayment scam:

• Know who you’re dealing with – independently confirm your buyer’s name, street address, and telephone number.

• Never agree to wire back funds to a buyer -- a legitimate buyer will not pressure you to do so, and you have limited recourse if there is a problem with a wire transfer.

• If you’re selling something over the Internet, say “no” to a check for more than your selling price, no matter how tempting the plea or convincing the story.

• Resist pressure to “act now.” If the buyer’s offer is good now, it should be good when the check clears.

• If you accept payment by check, ask for a check drawn on a local bank or a bank with a local branch. You can visit that bank branch to determine if the check is legitimate.

• There is no legitimate reason for someone who is giving you money to ask you to wire money back.

• Consider an alternative method of payment, such as an escrow service or online payment service. If the buyer wants to use a service you have not heard of, be sure to check it out to be sure it is reliable – check its Web site, call its customer service hotline, and read its terms of agreement and privacy policy. If you do not

feel comfortable with the service, do not use it. Be careful because some “escrow services” such as PayPal have been impersonated. Make sure you are dealing with a legitimate service on their real web site.

Consumers are asked to report check overpayment scams to the National Fraud Information Center/Internet Fraud Watch, a service of the National Consumers League at www.fraud.org or 1-800-876-7060, or the FTC at www.ftc.gov or 1-877-FTC-HELP.

Remember, no one will watch out for your interests better than YOU. When in doubt as to what you can to do to protect yourself against Overpayment Scams, contact your nearest Seniors Vs. Crime office in The Villages for advice or assistance. There is never a charge for their services.

Seniors Vs. Crime can be reached at 352-753-7775 at the Marion County Sheriff’s Office in The Villages; 352-689-4600, Extension 4606 at the Sumter County Sheriff’s Office in The Villages; or 352-750-1914 at the Wildwood Police Annex in Brownwood. Volunteers at all three offices are ready, willing and able to assist you. To keep up with the latest scams, LIKE ‘Seniors vs. Crime Region 4’ on Face Book.

Bryan Lifsey, Office ManagerSeniors Vs. Crime


Sumter County Vote Notes

This is a question we supervisors are being asked often these days, and unfortunately, premature

speculation on the topic is one of the unfortunate takeaways of the 2016 election cycle. Engaging in risky theorization will only result in further erosion of voter confidence; and quite frankly, is insulting to us, our staff, and our well-trained team of poll-workers

who step up to serve and administer stellar elections.

On November 8, 2016, we will have an election that will determine the next President of the United States. Our nation has a long history of smooth transitions from one President to the next, and we’re confident that this tradition will continue. It is our hope that ALL voters read the following letter written by Chris Chambless, our colleague and President of the Florida State Association of Supervisors of Elections, who says it best:

Dear Florida Voter, Recently there have been several stories regarding potential vulnerabilities of US voting systems to cyber attacks. This issue is a matter of national security; however, it is important to note that there is no indication from federal law enforcement (security agencies, U.S. Dept. of Justice) to state election officials that any credible threat currently exists when it comes to the issue of hacking elections. While the security of voting systems is a top priority for election professionals across the state of Florida, recent enhancements to Florida voting systems have dramatically reduced exposures to hacking elections. At the core of the security of Florida voting systems is the fact that we are a paper ballot state. Florida law mandates that “all voting” be by marksense ballot (with the temporary exception of voters with disabilities who may use DRE (Touch Screen) voting until 2020). Should any disruption or corruption in the transmission of vote totals occur, we can

always refer to the original paper ballot. Electronic voting systems are not Internet-based and do not connect to each other on line (Closed Network). Prior to each election, a public Logic and Accuracy test is conducted of each voting tabulator and tabulation system to ensure that they are working and tabulating properly. The individual thumb drives that record the votes from the precincts, early voting sites and vote by mail central count tabulators are digitally signed and secured. They cannot be replaced by any commercial off the shelf (COTS) thumb drive to subvert the local process of counting ballots. Precinct tabulated results are transmitted to our office in brief encrypted burst. Outside attackers would need to overcome multiple layers of encryption, which if successful, would result in corrupting, slowing or stopping the transmission of unofficial results to our office. In the unlikely event that were to happen the encrypted memory sticks could simply be imported into the results accumulation system, making the final unofficial result slower but not compromised. The final accumulations that are transmitted to the State as our unofficial results are then written to yet another memory device that are finally uploaded and transmitted to the Division of Elections on another completely separate system and network via a secure upload system which makes the likelihood that an outside attacker could subvert this process even more remote. The final step to securing the voting process is the fact that within a week of the election, a precinct by precinct review is performed where the precinct totals tape is compared to the unofficial results transmitted on election night to verify a match and any deviations are researched and noted. Once this is completed the official result is reported. In summary, recognizing that Florida is a paper based state, which utilizes the latest state of the art electronic voting systems that are not connected to the Internet, but rather

operate in a closed network leaving the likelihood of a successful breech improbable. Rest assured that Florida’s election professionals place a high priority on the security of election administration, and will remain ever vigilant in identifying and reporting any future vulnerability to the elections process.

Chris H. Chambless President, Florida State Association of

Supervisors of Elections

All this being said, this will be the last election that I conduct for you. This will also be the 60th election that I have conducted since I have been in office. I do hope that you have either voted by mail, early voted or plan on voting Election Day. Again, you are invited to come down to my Bushnell office election night and watch the results come in and have a cup of coffee and a cookie. Everyone is always welcome.

If I don’t see you then, please have a wonderful and Blessed Thanksgiving filled with family, laughter and lots of good food.

QUOTEFORTHEMONTHWhatever you are, be a good one.

~Abraham Lincoln

Karen S. Krauss, Sumter County Supervisor of Elections

www.sumterelections.org | 352-569-1540

UPCOMING VHA EVENTSNewResidentMeeting

(Formerly Newcomers Meeting)Tuesday, Nov. 8

Doors open at 6:30Meeting at 7:00

Colony Cottage Recreation CenterALL Villages residents welcome

VHABoardMeetingWednesday, Nov. 91:00 pm – 3:00 pm

Laurel Manor Recreation CenterAll VHA Board members should attend

This meeting is open to all VHA members

VHAGolfCartSafetyClinicWednesday, Nov. 16 @ 9:00 am

Colony Cottage Recreation CenterAll Villages residents are welcome

The new VHA Golf Cart Safety Video will be shown

EDITOR’SNOTE:For information about Lake & Marion County

Elections contact their offices at:Lake County Supervisor of Elections Office

352-343-9734Marion County Supervisor of Elections Office

352-620-3290

NEED A PROGRAM FOR YOUR CLUB OR MEETING?

Golf cart safety is a “hot topic” in The Villages. The new VHA Golf Safety video is an entertaining look at some of the most important

DO’s and DON’Ts of golf cart operation and maintenance.The VHA Speakers Bureau will provide a program for clubs and

neighborhood meetings. The Golf Cart Safety video will be shown and the VHA Representative will talk about the monthly Golf Cart

Safety Clinic and other programs offered by the VHA.For scheduling, contact VHA President Fred Briggs at

[email protected]


Protect Your Pets from Poisonous Plants People are often shocked to learn how many beautiful plants in their homes

or yards are poisonous. Some dogs breeds are more prone to gnaw on plants and inquisitive puppies especially are known to chew up plants. Also, the feline crowd can chew up many a plant.

Contrary to popular belief, animals don’t know which plants are toxic and may eat them. Case in point, we learned of a young dachshund who ate a red seed from a coontie and spent two touch-and-go weeks in ICU before recovering. Many hazards exist in and around our homes that are dangerous and even deadly to our pets, everything from cleaning fluids to certain foods. Onions in all forms, chocolate, raisins and grapes, coffee, avocado, macadamia nuts and garlic are all poisonous to dogs and cats. Especially dangerous can be that pill you were taking and dropped on the floor. Guaranteed your dog or cat will find it if you can’t. There have been a number of incidents where a dog has taken the dishwasher detergent pod out of the receptacle and eaten it. If you think your pet has ingested something poisonous, seek help immediately. The ASPCA maintains a poison control hotline at 888-426-4435. Your garden can also be a very hazardous place for your dog and cat and even your young grandchildren if they ingest any of these plants. The following is a list of the most common plants that are available locally at nurseries and big box stores. Except as noted, the entire plant is poisonous.

Allamanda Aloe vera Amaryllis Angel’s trumpet Asparagus fern Azalea Begonia Boxwood Bracken fern (lethal to horses) Brazilian pepper

Carolina jessamine Caladium Caster bean (seeds only) Coontie (red seeds only) Croton Cyclamen Devil’s trumpet Dieffenbachia Heavenly bamboo Hydrangea Kalanchoe Lantana (kills cattle)

Lilies Mistletoe Morning glories Oleander Peace lily Philodendron Pokeweed Red maple Rhododendron Sago palm Sabal palm

This not a complete list but will give you something to consider when you are looking for new plants for the landscape. If you have pets, there are many other alternatives that are not poisonous. For more information about poisonous plants, check out the UF publication at: http://edis.ifas.ufl.edu. The Master Gardener Speaker Series is on hiatus for the months of November and December. We will return in January 2017 with a full calendar of topics and speakers. Don’t forget to sign up for our monthly Gardener’s Journal delivered via email. You can sign up at the email address below. And certainly last but not least, many thanks to everyone who attended our Plant Sale on October 1st and made it such a huge success. Thankfully we had lovely weather this time. Put March 18, 2017 on your calendar for our Plant and Garden Festival, also at the Wildwood Community Center. My sincerest wishes for a Thanksgiving filled with family, friends and a bountiful array of vegetables to grace your table.

Kathy Porter UF/IFAS Sumter County Master Gardener

352-689-4670 Send questions to: [email protected]

Master Gardener | Poisonous Plants & Your PetsBrain Teaser

How much of your high school math do you remember? Give this “brain teaser” a try.

Mr. Smith is really proud of his new grand-daughter, Emily, born recently in Florida. He is going to set up an investment so she can go to college and he wants to see this young lady go to a good College or University. He wants to set aside regular funds and invest them to guarantee her college education.

He will be able to invest $500 a month, $6000 per year, and he has found an investment firm that will guarantee a 4 percent annual interest. If he completes this plan,

(a) how much money will be available for the granddaughter to go to college in 19 years if she enters a 5 year college program?

(b) how much can she withdraw each year, for 5 years if the investment continues to accrue at the 4 percent annual rate?

Interest will be compounded yearly by the investment firm for this long range plan.

ANSWERS ON PAGE 10

By Paul Stymelski

AAC Meeting RecapThe following is a recap from the October Amenity

Authority Committee: • John Wilcox, suggested a “workshop”

sometime next spring to discuss and review by detail the Community Watch proposed budget. The date of the workshop will be set later.

• Saturday, November 5, 2016, from 10 a.m. -1 p.m. at the Eisenhower Regional Recreation Center will celebrate Government Day. Be sure to attend this event so you can meet your government officials.

• The next Multi- Modal path discussion group meeting will be held on Thursday, December 1, 2016, 9 am at the Savannah Regional Recreation Center. Some of the AAC members suggest that “no speed bumps” be installed on any improvement on the multi-modal path.

• After an hour and a half discussion, Gary Moyer called for a vote on the proposed purchase of the 40 acres along the northern edge of the Villages in Marion County. The vote was taken and the results were 5- 1 to not move forward.

Dan BardVHA Director, Lady Lake/Lake County


Informative VHA North Meeting

Community Standards – The Can Do and Can’t Do’s in The Villages was the topic of discussion at the VHA North Area meeting on Thursday, Oct. 20 at the Savannah Center.

VHA North Area Vice President Joan Testa greeted the large crowd, introduced VHA Regional Directors and Villages Representatives and encouraged attendees to become acquainted with them. She explained that these VHA directors and representatives are always available to answer questions and assist the residents in their area.

Joan introduced Diane Tucker, Administrative Operations Manager of Community Development Districts. Diane welcomed everyone and then introduced Candy Dennis, Community Standards Manager, who presented the program explaining deed restrictions and rules that keep The Villages a beautiful community. She also talked about how rules vary among the different CDDs and explained how to obtain copies of each set of deed restrictions and rules.

A lively question and answer session followed the presentation. Several of the residents were new to The Villages and were eager to learn more about their neighborhoods and what changes they could make to their homes and landscaping.

After the meeting, residents and VHA members continued discussing what they had learned as they became acquainted. They also expressed their appreciation for the District presenting these informative programs and providing needed information.

VHA North Area Vice President Joan Testa welcoming the attendees

A large crowd attended the presentation on Community Standards

Pay It ForwardRandom Acts of Thoughtfulness - Villages Style

Here in The Villages, we often witness or experience examples of “Pay It Forward” – acts of kindness or helpfulness – large and

small – performed with no thought of reward. These inspiring acts of caring are

happening around us every day. When we see or hear of these kind gestures, it is natural to want to share them, and

now there is a way to do that. The VHA is initiating a “Pay It Forward”

feature on our Facebook page. To connect with us and share your story,

go to [email protected] and send us

your Pay It Forward random act of thoughtfulness.

GOLF CART SAFETY CLINIC

YOUAREINVITED WEDNESDAY

November 16 •9AM ColonyCottageRecCenter

ALL VILLAGERS WELCOME

•VIEWTHENEWVHAGOLFCARSAFETYVIDEO•SAFETYTIPS

•CARTMAINTENANCE•INSURANCEINFORMATION

COME JOIN US FOR COFFEE AND GOLF CART DRIVING TIPS

HeldonthethirdWednesdayofeachMonthat1:00PM

AmericanLegionPost347GrandHall,CR-466&RollingAcresRd.,LadyLake,FL

SUBMARINEVETERANSMEETING


VHA MEMBER’S GOLF CART SAFETY UPGRADE

15% Discount On All Safety Related Accessories

Items may not be available for all Golf Car Makes and Models.

THE VILLAGES GOLF CARS

VALID MEMBERSHIP CARD REQUIRED

All Accessory Additions by Appointment

Phone: 352-750-3418

• SideLightMarkers(Amber)• UprightSignalIndicators• RegularSeatBelts• DirectionalBuzzers• RearRoof&DirectionalSignal

• SideMirrorwithSignalIndicator• RetractableSeatBelts• 4x6MirrorswithMountingBar• WinkRearViewMirrorPanelBar

Aging is a natural process that affects every one of us…there’s no escaping that simple fact! But while we can’t stop the cal-endar pages from turning, there are steps we can take to make

the challenges of aging with dignity more manageable, and there are resources available to many of us that can be leveraged to aid us in the later stages of life.

In partnership with Raymond James & Associates representative Cindy Richards, the AMAC Foundation has arranged to host a two-hour seminar covering a variety of topics on the subject of “Aging With Benefits,” and specifically on the financial aspects of government-funded options that are in place to help us as we get older. The seminar will explore government assistance programs like Medicare and Medicaid, and will delve into several key Veteran-related benefit programs, some of which are not generally publicized.

The seminar will also take a look at issues related to how best to leverage–and protect–existing assets in long-term care situations, including the deployment of life insurance policies and alternative approaches to funding long-term care needs.

Ms. Richards will be joined by Kim Lanning – BS, CMC, CMP, Aging Lifecare Professionals, who will assist in the presentation of ideas and concepts on the subject of aging with dignity.

AMACFoundationPlansNov.14SeminaronResourcesforSeniorsSEMINARDETAILS

Date: Monday, November 14, 2016Time: 10:00 am - NoonLocation: Lady Lake Library

225 West Guava Street Lady Lake, FL 32159

There is no charge for this seminar; light refreshments will be provided

To register: Call the AMAC Foundation office 1-888-750-2622Email the AMAC Foundation – [email protected]

Cindy Richards, Financial Advisor, AAMS®Raymond James & Associates Inc. Member NYSE/SIPC.531 W. Main St., Tavares, FL 32778 (352) 253-5244

Raymond James is not affiliated with Kim Lanning or the AMAC Foundation


The beginning of Josh’s story is like that of so many of the young people we serve. He and his sister were being raised by a single mother in Miami who was working diligently to make ends meet.

However, while his mother was hard at work, Josh’s grades began a steady decline, his disobedience reached a peak, and his relationship with his mother and sister hit rock bottom. Josh found himself roam-ing the streets and tangled up with a bad crowd. Academically, Josh’s troubles became most evident when he failed his seventh-grade year.

Josh and his family were at their wits’ end when someone suggested the Florida Sheriffs Youth Ranches. He soon found himself at the Youth Ranch Bradenton-Sarasota campus. “It was voluntary, but I really didn’t want to be there,” the now 24-year-old man admitted, recalling his feelings when he first came to the Ranch as a child. “I felt really alone—like I didn’t belong.”

Josh was born in New York and raised in Miami, so the shift from big cities to the smaller community of Bradenton was difficult at first. “It was a very different environment,” Josh recalled. “I was upset.” Without the hustle and bustle of city life and the distractions he had left behind, Josh suddenly found himself with the opportunity to think with a clear head. “I started doing a lot of reflection,” he explained. “And I realized I had a lot of things to work on.”

Not only did the staff begin to teach him life and social skills, they helped him get back on track academically. “The staff is so dedicated,” Josh said. “They helped me learn how to stay focused.” He began to excel academically. Earning the Student of the Year Award is an accomplishment Josh is proud of to this day.

After spending more than three years at the Ranch, Josh was ready to go home to his mother and sister. The lessons he learned at the Ranch were never far from his mind or his heart. “The Ranch really taught me how to handle things, mentally and emotionally,” he said. “They taught me how to overcome adversity.”

After leaving the Ranch, Josh’s relationship with his family has also grown stronger, and he values it more deeply than before. He and his mother are closer than ever. His sister, whom he used to constantly fight with, now shares an incredibly tight bond. “Before, she was just a sibling,” Josh adds. “Now, she’s my sister.”

Through the Ranch mentor and scholarship program, Josh was able to stay on track. He recently graduated from the University of Tampa with his bachelor’s degree in Advertising and Public Relations. “The Youth Ranch has been with me every step of the way,” Josh says with sincerity. “They are a second family.”

With the help of the Ranch and staff, Josh not only pursued his education; he has a career in banking. He began working part-time as a teller, and JP Morgan Chase offered him a full-time position after his graduation. He now has a career development path with the bank. His plan is to become a relationship banker and work with small businesses in the Tampa Bay area. “I love helping clients and developing relationships.” Josh beams with excitement over his career and future.

His desire to help doesn’t just end at work. Josh has also been volunteering his time with local charities, including Metropolitan Ministries in Tampa. “I just want to be the best that I can be,” he says with purpose. “I want to do more for the community. I want to give back.”

Josh definitely recognizes that he has been fortunate to have been given the opportunity to set things in the right direction all those years ago, and to receive the continued support of the Ranch. “Growing up is sometimes easier said than done,” he says. “If you work with the Ranch, they will work with you. I feel really blessed to be where I am. I got a second shot. I’m fortunate.”

Josh Blackmon, Grants/Staff WriterFlorida Sheriffs Youth Ranches, Inc.

Sheriffs Youth Ranch | A Second Chance

Josh accepts the “Best Worker” award from Gary Clancy

Josh beams with pride in his office at JP Morgan Chase.

Josh recently celebrated his graduation from the University of Tampa with his mother, father, and sister.


VHA Town Hall Meeting Question & Answer On October 18, 2016 the VHA hosted a Town Hall

Q & A. There were no introductory remarks by any of the participants prior to the Questions and Answers portion of the meeting.

1. What is the Speed Limit on all Multi-Modal Paths and does it apply to all vehicles?

Lt. Siemer: Speed limit on the Multi-Modal Paths is 19.8 MPH which is the same as the roadways. These paths are for golf cars, pedestrians, cyclists and skaters. These paths are not for LSV vehicles as explained by our District Counsel.

2. Are Scooters (Vespa, etc) prohibited from using Multi-Modal Paths?District Government Representative: Scooters are prohibited on the Multi-Modal Paths. The full Memorandum from our District Counsel Valerie C. Fuchs can be found on our web site at http://www.districtgov.org/community/Multi-Modal-Memo.pdf

3. Is there a plan to have WIFI in all Recreation Centers?District Government Representative: The plan for having WIFI in all Recreation Centers will be reviewed during our next budget process.

4. How does a Resident submit an anonymous complaint to District Community Standards?District Government Representative: Deed compliance is complaint driven. Complaints can be made by phone, fax, mail, email and in person. All printed material becomes a part of public record. An anonymous complaint can remain anonymous when placed in person, by phone, fax or mail by stating such and omitting personal information.

5. What protocol is provided for the recreation centers use for safely cleaning fluids such as blood from chairs, tables and other equipment?District Government Representative: It depends on amount of fluids, incident, location/facility. If it is minor, staff uses Clorox bleach wipes or 50/50 bleach solution. If it is major the item or area is taken out of general public use till it has been addressed and deemed safe to open again-i.e. closing a pool.Audience Member follow up: Does the staff have a protocol which includes the wearing of gloves while cleaning blood?Chief Cain: The present policy will be reviewed to make sure that is the policy in the recreation centers.

6. What shelters are available to Villages residents in case of Hurricane/Tornado events and where are they located? What Government entity determines when they become operational?Chief Cain: Shelters come under the control

of each county’s Emergency Manager. In The Villages this would involve the counties of Lake, Sumter and Marion. The Emergency Manager makes the determination of what type of shelter needs to be open and how to staff for the type of incident anticipated. Within the boundaries of The Villages there are no designated shelters and we suggest in times of possibly severe weather to shelter with friends. The closest two approved shelters are Villages Elementary School on Rolling Acres Rd in Lake County (this is also pet friendly) and the other is located at the Wildwood Community Center on Powell Rd in Sumter county (for special needs patients only). Each county has information posted on their emergency management web site that includes locations of approved shelters throughout their counties along with other helpful information about going to a shelter. The Villages Charter Schools are not shelters.Lt. Siemer: Sumter County has 6 shelters. The Wildwood Community Center for special needs patients, the Wildwood Elementary School, one in Bushnell, the 3 others are in south, east and west areas of Sumter Co.

7. A great job was done at the Bonita Postal Station Planting bushes along the newly installed walkway at the rear of the building. Animals have eaten all of the growth leaving only ugly sticks of the Buford Holly. Can some other planting replace the Holly bushes that will survive?District Government Representative: Commercial Properties handles this particular issue. The District Property Manager has been in contact with them to make them aware of the problem.

8. Residents are happy about the redone plantings at roundabouts and circles. Is there a plan to identify blind intersections in residential areas due to overgrown landscaping? In some intersections in residential areas vehicles are completely hidden at stop signals before they pull out causing several “close calls.”District Government Representative: Residents may call Customer Service at 753-4508 to report the specific areas and problems. Property Management will investigate each call and decide the appropriate solutions.

9. Residents are complaining about the number of “speeding” golf carts. Now with the seasonal residents returning this problem will only increase. Has local Law enforcement considered a golf cart speeding blitz similar to what is done to catch speeding cars?Lt. Siemer: We have many units out on the roadways all the time. This year we will be

watching closely for DUI offenders. Speed signs have been posted.

10. The speed limit for the bridge on Morse Blvd going into Lake Sumter Landing is 10 MPH. With the return of our seasonal residents the congestion increases significantly. Are there any plans to help control the excessive speed of carts in this specific area?Lt. Siemer: There is currently a speed sign on the bridge. We will be looking at other ways to alert golf cart drivers of the 10 MPH speed limit.

11. The wooden golf cart bridge along Morse Blvd at the junction near Hope Lutheran Church gets very slippery when wet causing golf carts to skid when stopping for stop signs. Can an adhesive coating be applied or some other method to help reduce this problem?District Government Representative: District Property Management is looking into this.

12. Is there another Medical facility planned for the Brownwood area and if so, where will it be located? What will be its capabilities and will it be available to all residents?Dr. Lester: There is no information available at this time. We are always looking at our needs and evaluating them. Continue to watch for additional information in the Daily Sun.

13. What steps are taken to protect residents who live in areas where construction is ongoing from flying construction debris during severs weather?Dr. Lester: During the course of the storm, our team checked the various construction sites. Our workers had done an exemplary job of securing their sites in anticipation of the storm. Lt. Siemer: Florida regulations address this issue. I also checked these areas.Chief Cain: Sumter County Chief Building Inspector Jim Barman also checked and complimented the work. Wood planks may appear to be unsecured; however, they were secured with the necessary fittings.

14. Will there be any golf cart access to the Villages from the Trailwinds Development?Dr. Lester: No.

15. Numerous streetlight poles are showing signs of fading paint and require restoration to their original look, particularly among La Paloma and Rio Grande.District Government Representative: When specifics are reported District Property Management contacts the utility responsible for this repair.


THEVHACOMMUNITYFOUNDATION•EMAIL:[email protected]

Joe Elliott, President

250 Jarvis Ct. [email protected]

757-846-1998

Linda Grzesik, Vice President

329 Mercer Way [email protected]

751-1761

Jim Noce, Secretary

2317 Foggy Brook Loop [email protected]

978-270-0593

Ray Glessner,Treasurer

17957 SE 87th Melrose Ct. [email protected]

751-0701

Board Members

1104 Main Street, The Villages, Florida 32159 www.TheVHA.net

New Resident Night

Date: Tuesday, Nov. 8, 2016 Time: Doors Open 6:30 p.m. Meeting starts 7 PM (Reservations are not required.) Location: Colony Cottage Recreation Center 510 Colony Blvd., corner Morse Blvd. (See pg. 17 of The Villages Phone Book for map.) What is the Vial of Life Program? What is Code Red? How do I apply for Homestead Exemption? What documents do I need to get my driver’s license? Where do I go to get my license plates and driver’s license? What are my choices for medical insurance? What is a CDD? How do I keep from getting scammed by less than honorable contractors? The answers to these questions and many others will be answered by representatives of the following agencies:

s Sumter County Sheriff’s Office s Town of Lady Lake Police Dept. s Sumter County Property Appraiser s Sumter County Tax Collector s Veterans Services s Florida Sheriffs Youth Ranches s The Villages Regional Hospital Auxiliary s District Government s The Lifelong Learning College

s Seniors Vs. Crime s Serving Health Ins. Needs of Elders (SHINE) s Community Emergency Response Team (CERT) s Community Improvement Council (CIC) s Sumter County Master Gardeners s Friends of the Library s Sumter Landing Bicycle Club s United Health Care

If you cannot join us on Nov. 8, please feel free to join us later as your time permits. New Resident Nights are held the second Tuesday of every month, 7 pm at Colony Cottage. The next meeting is Tuesday, December 13, 2016. Be sure look for the VHA monthly newspaper, The Villages Voice, which is delivered the first Wednesday of each month as an insert to The Daily Sun. The Villages Voice is filled with informative articles about our community, as well as upcoming VHA events. Be sure to check out the list of Merchant to Member benefits you will enjoy as a VHA member. Visit our website at: www.TheVHA.net where you can keep abreast of the latest VHA news and read current and back issues of The Villages Voice. We invite you to join the VHA, the largest residents’ organization in The Villages. We welcome you to The Villages and we look forward to meeting you in person soon, Kathy Porter Fred Briggs Membership Chair President Tel: 352-259-8196 717-805-8500 Email: [email protected] [email protected]

Door prizes for New VHA Members & Cookies for all!

Great Handouts & Even a Laugh

or Two!

ARCHIE, Virgil & GayleBAILEYS, Carol A. & John F.BARES, Chuck & SueBARKELAR, Deb & CraigBOLITHO, Larry & SandraBOOHER, E. KathleenBRANNOCK, JudyBROWN, William F. & Christine C.BUSCH, Teri & BobCARLSON, Ronald & MarilynCHAPUT, Doug & JeanCLARKE, Carl & ArleneCOUGHLIN, Don & SueCUDDIHEE, Suzannede Morais, Sonia M. & BEAVAN,

Michael J.DENNY, Marion & TURCHI, ElizabethDUGAN, CathyDUPRAT, David & DianeDUQUETTE, Jim & JudiDYER, Ann & JeffFEURER, Jeanne & TomFISHER, Charley & WendyFISHER, Vera & NATER, EckardGAINER, Richard (Dick) & Teresa

(Terry)GARRETT, John & DebbieGIFFORD, Cheryl & SALANO, TomGIGUERE, Lawrence & FaithGILKERSON, George & CherylHERBERT, RickHESS, John & RuthHOLLYWOOD, Kerry & Suzanne

HUBEK, Marilyn & PhilipISON, Raymond & SheilaKAKULSKI, Linda & QUINZANI,

LarryKIRCHNER, Wanda Jo & DavidLAWSON, Theresa A.LITTLEFIELD, John & BreetaLUPTON, Earl & MaryMANAS, D & ZMARSH, Robert & LorettaMARTIN, Bob & PattiMcCURRY, Kevin & KathrynMcNAULL, Jim & PamMcQUEEN, Brian F. & Sarah G.MONTEIRO, Roger & LindaMONTGOMERY, KarlNATOLI, Joe & KathyPATTERSON, Bill & Mary AnnPOLZIN, Glen & KathiPOPE, JanetREINEBACH, Mark & VickyRICHARDSON, John & PatriciaROBICHAUD, Gerard & LauraubeSMITH, Stanley G. & Norma J.SOARES, Richard A. & DOWLING,

Beth M.SPERRY, Bruce & SusanSTAKE, Donald & DorothyTREZ, Victor & BarbaraVAUGHAN, CharlesWEED, TeriYOUNGHANS, Terry & HUBBARD,

Catherine

VHA New Members

This can also be printed in white.

HELPING HANDS | NEIGHBORS HELPING NEIGHBORSA VHA Community Service Program

Currently providing over 500 pieces of donated durable medical equipment to Villages Families; Helping Hands has a number of Electric Power Wheelchairs & Electric Scooters

on hand.

The equipment needs and availability vary from day to day. If you are in need of any of the items listed, or wish to donate items, please contact John “Skip” McDonald, Program Coordinator. John “Skip” McDonald Phone:352-973-2284

BED RAILCANECANE QUADSHOWER STOOLCOMMODE CHAIR

- LARGECOMMODE RAISERCRUTCHESIV POLE

POWER SCOOTER/CHAIR

RAMPSHOWER CHAIRSHOWER BENCHTUB TRANSFER

BENCHTRANSPORT

CHAIR

WALKERWALKER KNEEWALKER W/SEATWALKER W/SEAT

XLGRABBER/PICKUP

TOOLWHEELCHAIR

ITEMSCURRENTLYAVAILABLEFORUSEORACCEPTEDASDONATIONS

BrainTeaserAnswers

A) $166,026

B) $37,294


A significant number of vehicle crashes occur at 4-way intersections controlled by stop lights. Most crashes at or near stop lights are attributed to left turns, right turns on red, rear end collisions, and red/yellow light runners.

Here are my tips to avoid these crashes: left hand turns – with traffic flowing in both directions, wait behind the wide white stop line on the pavement until you begin to see a break in on-coming traffic. Pull out into the intersection and “claim the intersection.” When a significant break in on-coming traffic occurs, make your left turn.

For right turns on red, first completely stop behind the wide white line on the pavement. Wait until to see a break in traffic before pulling out closer to the intersection. When you see a significant break in traffic, make your right turn into the right lane next to the curb.

Rear end collisions typically occur when vehicles approaching your stopped vehicle fail to stop for a myriad of reasons, or they unintentionally let their vehicle slowly roll forward after stopping. When you stop behind another vehicle, be sure you can see the rear tires of the vehicle in front of you touching the pavement. Keep your foot on the brake until it’s time to proceed.

Never assume cross traffic will always stop at a Red or yellow light. When your light turns green look to your left and right to insure cross traffic drivers have stopped before proceeding. Don’t put your life in another driver’s hands. When approaching a sudden yellow light, always stop if you can safely.

PROFESSIONAL DRIVING WITH RICHARD

AREA AND REGION NEWS

North Vice President – Joan [email protected] – 817-247-9677

Center Vice President – Phil [email protected] – 753-8618

South Vice President – Kay [email protected] – 633-9494

Dan Bard, [email protected] • 352-391-2035

The Town of Lady Lake is growing! In addition to the 232 new R.V. units being added to Recreation Plantation, there is a proposed range and gun store with ten a thousand square foot retail facility planned at 315 S. Hwy. 27/441, and a shopping center consisting of 80,700 sq. ft. of retail space across from the Lady Lake Town Hall. Also, a proposed 269 acre development planned for south of Hwy. 466, across the road from Spring Arbor Village. This new proposed development named Hammock Oaks will consist of 14 acres commercial, 46 acres medical/office, 14 acres senior residential and 162 acres residential. The plan calls for one access to Hwy. 466 and two accesses on Cherry Lake Road (CR 100). Lumen Park Phase One should start developing soon. The assisted living, 3 story, 152,000 sq. ft. building will provide 154 beds in 129 units and a pool and is located on the north side of Hwy. 466 east of Spring Arbor Village.

Notice as you are driving down Rolling Acres Road on the east side the construction of the new 26,500 sq. ft. SPRG Medical Facility at 539 Rolling Acres Road. Hwy. 27/441 will become a little busier in the next year with the addition of the following businesses:

Lady Lake - Lake County

• S. Hwy. 27/441, Village Veranda, an assisted living 90 unit (40 of which will be memory care) plus 22,000 sq. ft. of commercial space.

• Dominos Pizza, Hermosa St. at Hwy. 27/441 in the BP Gas Station

• Basics: Range and Archery – Gun Range with 10,200 sq. ft. of retail at 315 S. Hwy. 27/441

• Pacific Dental: 870 N. Hwy. 27/441• Boat Barn: 464 N. Hwy. 27/441• Sleep Number: 921 N. Hwy. 27/441• Mattress One: 919 N. Hwy. 27/441

Drive carefully on Hwy. 27/441, drivers could be looking for these new businesses, so keep your distance.

FYI: My 3 year old iPhone battery bit the dust. After checking on line I found: Repair Wireless at 124 S. US Hwy. 441 in Lady Lake. The small store in the Lady Lake Plaza is located just south of the castle building. A new battery and installation cost $49.00 plus tax. Na, the associate, reminded me that I should let my battery run down to less than 10% power before recharging and not leave it charge overnight. It should take about 3 hours to recharge the batteries. If I had known this before, maybe I could have saved $49.00.

No answer on the 41.5 acres behind the Rio Grande Pool yet. The District is waiting for Lake County to give the approval to move forward. If Lake County approves, the District will then prepare information for the AAC.

Questions, comments, or complaints in our Lady Lake/Lake County Region should be addressed to departments that can help you:

• Community Standards | 352-751-3912• Customer Service | 352-753-4508• Lady Lake AAC Rep | 352-205-8140 Lowell Barker• Lady Lake Town Hall | 352-751-1545

Reminder: Lady Lake Regular Town Board Meetings; November 7, 21, Dec. 5, at 6:00 pm, Special Board Meeting; November 21 at 5:30 pm.

Reminder: Amenity Authority Committee Meetings (AAC); November 9, and December 7, 9:00 am at the Savannah Center.

My best wishes for a Happy Thanksgiving.

Dan Bard, VHA DirectorThe Villages of Lady Lake

keep the dream alive!

Join the VHA TODAY

$25 per household / 2 years

$100 per household / LIFETIME

New Member Renewing Member

See our website for a list of all our money-saving and educational programs:

www.TheVHA.net Join or renew in one of 3 easy ways. Make checks payable to: The Villages Homeowners Association. 1. Put your check and this form in an envelope

marked “VHA Membership.” Deposit in a VHA drop box at any Villages postal pick-up station.

2. Send your check and this form by mail to: The VHA, 1104 Main Street, The Villages, FL 32159

3. Online by credit card at www.TheVHA.net. Click on yellow box “Join or Renew your VHA Member-ship Online.”

______________________________________________ Names of all in Household ______________________________________________ _________________________________________________________ Street Address ________________________/_____________________ Name of Village Name of Villa (if applicable) _________________/____________________________ Zip Phone ______________________________________________ EEE---MAILMAILMAIL ______________________________________________ Mailing Address (If different from Villages address.) ______________________________________________ City State Zip

2-2016



The Merchants to Members Committee reviews and makes recommendations to the Board of Directors as to the suitability for partnering with commercial enterprises.

Eats and swEEtsAmeliA’s RestAuRAnt And lAke shoRe lounge

at The Waterfront Inn, 1105 Lake Shore Dr., Lake Sumter Landing 352-753-7535

25% discount Breakfast, Lunch or Dinner(Not valid with any other coupons, discounts or specials)

Excludes alcoholic beverages. Not offered on HolidaysBAmBoo BistRo – AsiAn Fusion

700 N.US Hwy 441, Lady Lake, FL 32159 | 352-750-9998Free Chef’s Special - Appetizer Sampler.

$6.00 value with $25.00 purchase. Dine in only. One per visit with VHA Membership Card. Not valid with other offers.

ChiCken sAlAd ChiCk

996 Bichara Blvd., La Plaza Grande Lady Lake, FL • 352-775-9379

www.chickensaladchick.com | 10 % Off Total Order thru 2/4/2017ChinA BuFFet

Southern Trace Plaza, 3435 Wedgewood Lane, The Villages, FL 32162 • 352-751-6866

10 % Off any orderediBle ARRAngements

3509 Wedgewood Lane, The Villages, FL 32162 | 352-391-1334$3.00 Off Purchases Valid on orders over $25.00.

FiRehouse suBs

13757 U.S. Hwy. 441 - Lady Lake, 352-430-3870Free Cookie with Purchase of Medium or Large Sub

Not valid with any other offer. One benefit per member.FlippeRs pizzeRiA At spAnish spRings

Everyday 4 pm – 6 pm, get a FREE Cheese MyPie pizza with the purchase of any Large Specialty Pizza.

(Cannot be combined with any other coupon or promo except the FREE Wine or Beer with purchase of an Appetizer)

Everyday 4 pm – 6 pm, get a FREE glass of Wine or Beer with the purchase of an appetizer. (Cannot be combined with any other coupon or promo except

the FREE Cheese MyPie with purchase of any Large Specialty Pizza).We DELIVER or CATER to most of The Villages.

Call store at 352-750-1919 for specific delivery routes.hAAgen dAzs

1001 Lake Shore Drive – Lake Sumter Landing | 352-751-0261 10% Discount

honey BAked hAm CompAny & CAFe

524 N. Highway 441/27, Lady LakeBest Buy Shopping Center | 352-259-3900 | [email protected]

Buy One Sandwich or Boxed Lunch - Get 2nd 50% off (equal or lesser value)Johnny RoCkets

976 Old Mill Run – Lake Sumter Landing | 352-259-005110% Off Meal

kilwin’s oF spAnish spRings

1108 Main Street – The Villages | 352-630-470410% Discount on All Items – Except Daily Specials.

Show VHA Card before purchase.moe’s southwest gRill

U.S. Hwy. 441 South – Rolling Acres Plaza - 352-430-3610Buy one entree - get one free with purchase of

two beverages every Saturday. Not valid with any other offer.One benefit offer per family membership.

pAndA expRess

869 North Hwy. 27/441 - Home Depot Plaza | 352-751-250710% Off - Not valid with other coupons or specials.

peAChwAve FRozen yoguRt

249 Colony Blvd. - The Villages, FL 32162 www.peachwaveyogurt.com • 352-750-2238 • 10% off any order

peAChwAve FRozen yoguRt

4058 Wedgewood Ln. - The Villages, FL 32163 352-674-1495 • 10% Discount on any order.

peteRBRooke ChoColAtieR

1087 Canal St., The Villages, FL 32162, 352-391-5877www.peterbrookethevillages.com

10% DISCOUNT with purchase of $25 or more Not valid with any other offer or coupon. Member must present card.

soniC dRive-in

11211 SE 178 Pl. – Walmart Shopping Center, 352-347-28601/2 Price Drinks, Slushes, Teas & Sodas • 2pm - 5pm Daily

Valid at the Summerfield location only.**the spiCe And teA exChAnge

The Brownwood Paddock Square3638 Kiessel Road, The Villages, 352-633-4780

www.spiceandtea.com 10% off any purchase over $25 with VHA Card.

sweet tomAtoes

508 US 441/27, Lady Lake, 352-751-250020% discount on meals up to 4 adults.

$8.00 Sundays all InclusiveNot valid on beverages, cookies, kids pricing, or to go a la carte.

Cannot be combined with other offers. Valid only at Lady Lake location. Must show current VHA Membership Card at time of purchase.

sErvicEs For You24 hR. CARt CluB, inC.

352-330-1911 • www.24hrcartclub.com3 Months FREE with Sign-up. Valid on initial sign-up only.

BellA tAn

13940 Hwy 441 – Suite 502 • The Villages, FL 32159352-658-1442 / 352-259-1470

10% Discount off any tanning package, spray tan or lotions.

CompAss selF stoRAge

4417 E. County Road 466 Oxford, FL 34484

352-399-6893 | www.compassselfstorage.com | First Month FreedRy CleAn City

13745 Highway 441 - Lady Lake$5.00 discount off $30 Dry Cleaning or Laundry.

Must present membership card for discount.FloRidA mediCAl heARing CenteR

8732 SE 165th Mulberry Lane – The Villages, FL 32162floridamedicalhearing.com | 352-205-7804

Free Hearing Evaluation. Buy one package of batteries, get one freeFoRt knox selF stoRAge & tRuCk RentAl

13634 U.S. Hwy. 441 – Lady Lake | 352-750-4647Rent a 5x5x10 Standard Unit, Get the Second Month for $1.00.

Valid on new contracts only.

heARing Aids FRom digitAl heARing systems

347 Colony Blvd. - The Villages | 352-259-8824BUY ONE (1) package premium batteries, get 2nd one free-per visit.

h & R BloCk 208 S. Hwy. 27/441 – Lady Lake | 352-750-3669

17860 SE 109th Ave. – Summerfield | 352-347-6736522-B N. Hwy. 27/441 – Lady Lake | 352-259-5708$15 Off Tax Preparation. Valid at these offices only.

lint FACtoR llCAir Duct Cleaning

Dryer Vent Inspection & Cleaning 214-460-7723 | www.lintfactor.com

20% off (not vaild with any other offer) Must present membership card.

the sAlt Room

480 N Hwy 27/441 – (Located in Kohl’s Plaza) - Lady Lake, FL 32159352-750-9909 | www.saltroomvillages.com

15% Discount off all full priced services.

the ups stoRe

1576 Bella Cruz Dr., The Villages • 352-753-8000oR

2518 Burnsed Blvd. The Villages • 352-399-56975% discount UPS shipping.

15 % discount on purchase of boxes and packaging w/VHA membership card.

the villAge gRoomeR

La Plaza Grande, 978 Bichara Blvd, The Villages, FL 32159352-259-7000 | $5.00 off 1 Full Groom

automobilE sErvicEs For You

AAA Auto CluB gRoup

1708 Citrus Blvd, Leesburg, FL 34748Save on $5.00 on New Membership with AAA Auto Club Group

New family members are 50% off regular price Free Atlas to new members only on transfer of membership

Must contact Tami Lyons only for offer at 352-217-6697

AAA Auto glAss

407-878-7940 | Toll Free 855-522-2349 | [email protected] Providing Auto Glass Replacement and Windshield Chip Repair

services at your home or work. 10% off Auto Glass Replacements with VHA Card (Does not apply to insurance replacements)

AAA dollars rewards for AAA members

BoulevARd tiRe CenteR

418 S. Hwy. 27/441, Lady Lake • 352-430-238010% Discount on any Brake Service over $100.

tiRe ChoiCe totAl CAR CARe

45 LaGrande Boulevard - The Villages, 352-391-648810% Discount on any service with VHA Membership Card.


43949 Wedgewood Lane, The Villages • 352-391-1001$19.99 Oil Change to VHA Members Only

10% Discount on any service with VHA Membership Card.


280 Colony Blvd, The Villages | 352-430-0043 | www.thetirechoice.com$19.99 Lube, Oil, Filter & 4 Tire Rotation. 10% Discount off any service.

villAges CAR wAsh And luBe

Bichara Blvd. | La Plaza Grande Center | 352-753-1306$1.00 Off the Regular Price of a Silver or Gold Wash Package.

things to do

CAptAin mike’s lAzy RiveR CRuises

On the Withlacoochee River Southwest of Ocala on Hwy. 200, just in Back of Stumpknocker’s Restaurant.

Call for Reservations, 352-637-2726 | www.lazyrivercruises.com$2 Off Any Person, 2-Hour Tour Only.

FletCheR musiC

1560 Bella Cruz Dr., Spanish Plaines Shopping Center • 352-751-49716 Weeks of Keyboard lessons for $20 (includes book)

Jim’s golF shop

676 N. U.S. Highway 441/27Free golf swing analysis on our state-of-the-art launch monitor.

Must present VHA membership card.Visit our website at: www.jimsgolfshop.com

tRee tops golF

175 S. Rolling Acres Road - Lady Lake, FL 32159 • 352-259-2313Golf at Live Oaks Miniature Golf

Mondays: Softball Cage, Buy 2 Tokens-Get One Free.

Merchants to Members*All offers require VHA membership card presented at time of sale. —NO REFUNDS AFTER SALE— *One benefit offer per family membership. **Indicates New Merchant

Also visit our website WWW.THEVHA.NET to view discounts


improving Your homE

Bone dRy RooFing, llC42116 E. Lakeview Drive, Altoona, FL 32702

352-669-6607 | www.bonedryroofingllc.comFree Estimates. $50 off glass skylight or upgrade to off ridge vents

Offer Expires 12-31-2016

Chem dRy oF the villAges

(Independently owned and operated)15519 N. Hwy 441, Suite 302; Eustis, FL 32726

352-728-8626 | www.championchemdryfl.com4 Rooms & Hall $149

(each room 200 sf. or less - not valid with any other offier). 15% off Area Rugs or Tile Cleaning

(not valid with any other offier) Offers Expire 12-31-2016

CoRAl’s CAsuAl pAtio & FiReplACe

528 N. Hwy 27/441 - Best Buy PlazeLady Lake, Fl 32159

352-430-215910% off any wall art

designeR FlooRs By niCkel tile

1067 Canal St., Lake Sumter Landing352-259-5800 | [email protected]

Free Cleaning Kit with Purchase3-19-15 thru 3-19-17

entRy point By peRRy deCoRAtive glAss

1124 Bichara Blvd. - La Plaza [email protected]

www.entrypointbyperry.com | 352-751-088310% off any non-sale items

(cannot be combined with any other offer)March 15, 2016 to December 31, 2016

Foxy inteRioRs, inC.Interior Decorating and Staging

(we come to your home)407-314-5076 | www.foxyinteriors.com | [email protected]

10% off any service

kiley & sons, inC.Residential & Commercial Plumbing

320 U.S. Highway 27/441 Lady Lake, FL 32159 | 352-753-530110 % off labor on your next service call (1 hour minimum).

the kings gAlleRy

Spanish Springs Town Square, 352-259-699820% Off all Artwork every Wednesday

(this offer not to be combined with any other offers)Now featuring Kameleon Jewelry – FREE compact case with $100 purchases.

**piCtuRe peRFeCt tile speCiAlist

2125 Lindsey Loop, The Villages, FL | 352-350-0456Free Color Grout of your choice.

the solAR guys

“Solatube”- Tubular Skylight352-307-7077 - Call for free estimate

Buy 1 - Save $80 | Buy 2 - Save $200 | Buy 3 - Save $390On Solartubes & Attic Fans. 10% off WIndow Films & Garage Door Insulation

(Not Valid With Other Offers)Must show proof of VHA Membership at time of sale.

sABRinA gulF CoAst window CleAning

526 4th Ave. E., Bradenton, FL • 941-565-0054sabrinawindowcleaning.com

10% off window cleaning (full service) - new customers only

stoRm stoppeRs

Hurricane Window Protection524 W Winter Park St | Orlando, Fl 32804 • 407-423-5959

Toll Free : 877-575-7788 Receive a $50 Gift Card with whole house purchase or referral

teRvis

Spanish Springs Town Square1109 Main St., The Villages, FL 32159 • 352-750-0035

10% off total purchase

tRi County pool & spA

2468 Hwy. 441/27 Fruitland Park • 352-326-060010% off all Pool & Spa Chemicals

$200 Discount on any new Artesian Spa Hot Tubs.

undeRglAss 3m pRestige & ultRA window Films

330 Hwy. 441/27 Lady Lake 352-753-5267

Free Windshield Strip-3M or 10% OFF any 3M Film, Home or Auto.

improving Your look

BAgs, Belts And Bling

13940 Hwy 441 – Suite 502 • The Villages, FL 32159352-658-1442 / 352-259-1470

10% Discount off any regular priced Boutique items.

BeRmudA BAy Clothing

Spanish Springs 1112 Main St., The Villages, FL 32159 | 352-205-8201

Wonderful Wednesdays - 10% off all purchases April 1, 2015 through Dec. 31, 2016

Custom AppARel And giFts 3451 Wedgewood Lane, The Villages, 32162352-750-1600 | [email protected]

VHA members 10% discount on all screen printed items.For a limited time, in honor of New VHA logo

10% discount on all new VHA embroidered shirts.MUST SHOW VHA MEMBERSHIP CARD

di’s dAzzle Boutique

1008 Canal Street – Lake Sumter Landing 352-753-4161

10% Off Every Wednesday.

gottA get youR nAme on!1124 Bichara Blvd. - La Plaza Grande

Custom Embroidery and Monogramming5% off Club Shirts, Logos and Monogramming

Karen D. Andrews • 352-391-9333 Phone and Fax.

JewelRy design

La Plaza Grande1040 Bichara Blvd., The Villages, FL 32159

50% off all Watches (Seiko, Citizen, Esa Movado, Bulovo)

nAils By methAney

Located inside Cosmera Hair Studio Best Buy Plaza

576 N. Hwy 27/441, Lady Lake, FL 3215910 % Discount for New Clients

plAzA JeweleRs

16770 S. U.S. Hwy. 441, Baylee Plaza, Summerfield 352-307-3846

20 to 40% Savings Off the Already Low Retail Price & All Watch Batteries $4.00.

lodging & rElaxation

ComFoRt suites

352-259-6578 1202 Avenida Central, The Villages, FL 32159

10% Room Discount Not valid on Leesburg Bikeweek. | Call in Advance for reservations.

hAmpton inn & suites

1127 N.E. 63rd Drive, Lady Lake, FL 32162 | [email protected]

10% of best available rate thru 4/30/16 20% of best available rate 5/1/16 thru 12/31/16

holidAy inn expRess

1205 Avenida Central, Lady Lake, FL 32159352-750-3888 | HIExpress.com/TheVillagesFl or [email protected]

12.5% Room Discount with VHA Card - No Blackout Dates Meeting Space Available

lA hACiendA hotel

352-750-6863 1201 Avenida Central - The Villages, FL 32159

$69.95 thru 12/31/16Not valid on Leesburg Bikeweek. All reservations based on availablility.

Call in advance for reservations.

sheRAton sAnd key ResoRt

1160 Gulf Boulevard - Clearwater, Florida, 727-595-161110% discount Fri – Sat • 15% discount Sun – Thurs.

towne plACe suites By mARRiott

25% discount -hotel rooms valid for members, friends and family members (blackout dates may apply).

1141 Alonzo Ave - The Villages, FL 32159 352-753-8686 | JSwedenborg@JHM Hotels.com • www.marriott.com/lects

the wAteRFRont inn

1105 Lake Shore Dr., Lake Sumter Landing • 352-753-7535 May 1, 2016 thru Sept. 30, 2016 – 25% offOct. 1, 2016 thru Dec. 31, 2016 – 20% off

Must Show VHA Card

miscEllanEous

CozCo hAndCRAFts

1121 Main Street – Spanish Springs, 352-430-038610% Off – Excludes Sale Items.

lAke sumteR AppRAisAls

William B. Mayfield | State Certified Residential Real Estate AppraiserFL. Lic. # RD8052

P.O. Box 861, The Villages, FL 32158 | www.LakeSumterAppraisals.comOffice : 352-259-1155 | Cell: 352-255-1704

Full Appraisal - $350.00

plAntAtion FloweR designs & giFts

Florist, Home Decor & Gift Shop, 352-751-6825 or 866-315-1101

10% Discount on purchases over $40.00. Offer not valid with any other offer or on wire outs.

Must show VHA Membership [email protected] | www.plantationflowerdesigns.com

3535 Wedewood Lane, Southern Trace Plaza

sheRiFFs RAnChes thRiFt stoRe

27900 Hwy 27 – Leesburg, FL • Hours | Mon.-Sat. – 9am-5pm352-787-0633 • [email protected]

25% discount with membership card.

whole eARth pet supply

1556 Bella Cruz Dr.Lady Lake, FL 32159, 352-391-5806

10% off total purchase (not including discounted items)

spoRts heAven

Team Logos & Novelties992 Alvarez Ave., The Villages, FL 32159 | 352-775-4477

15 % off total purchase

the villAges FloRist, inC.930 Bichara Blvd., La Plaza Grande

352-753-4222 | [email protected] | 10% off all merchandise

(not applicable on wire orders)

**wild BiRd CenteR oF the villAges

520 N. US Hwy 27/441, Lady Lake, FL | 352-775-8509 www.wildbirdfeed.com/thevillages

20 % off entire purchase, not combined with other offers, Not valid on gift cards, August 10, 2016 thru December 20, 2016

wooF gAng BAkeRy And gRooming

3682 Meggison Rd., The Villages, FL 32163 - Brownwood | 352-775-4654One FREE bag of Woof and Dog cookies with

your first purchase of one of our premium pet foods valued at $7.95

The Merchants to Members Committee reviews and makes recommendations to the Board of Directors as to the suitability for partnering with commercial enterprises.


My Mama taught us to always look at the bright side, look for the silver lining, the cup is always half full. She could find the positive in any situation, even if she had to use

a magnifying glass to find it! Here in The Villages we don’t need a magnifying glass to find the bright side because it shouts to us every day – in the God-given amenities such as good health, plenty of food, beautiful weather, blue skies, magnificent clouds, flowers, and the wildlife sanctuaries.

Then there are the man-made amenities such as expertly manicured landscaping, hundreds of volunteer groups and organizations which give selflessly to assist others, a full schedule of activities to enhances our social life, the available medical services, houses of worship, being able to drive a golf car for all activities whether shopping, dining or going to appointments, the Lifelong College so we can continue to learn and grow, and neighbors who are willing to help at a moment’s notice.

There is no other place like The Villages in the world – IN THE WORLD! And yet, people complain – can you believe it – they complain? Well, in my opinion they are using the magnifying glass to look for the tiniest, minute thing to complain about instead of seeing the large picture and counting their blessings.

In the book YOU ARE A BADASS by Jen Sincero (NY Times Best Seller) pg. 36, I quote: “It never ceases to amaze me the precious time we spend chasing the squirrels around our brains, playing out our dramas, worrying about unwanted facial hair, seeking adoration, justifying our actions, complaining about slow internet connections, dissecting the lives of idiots, when we are sitting in the middle of a full-blown miracle that is happening right here, right now.”

The Villages is a smorgasbord of opportunities, sights, sounds, activities and personal growth. When I go to a buffet, I don’t complain to the manager about what they don’t have. I might try something new or simply move on to the things I

do like and take extra helpings. If I don’t like the choices, I can go elsewhere.

Recently the Daily Sun quoted Jean and Bill Klinkenberg on the opening of a new recreation center “We feel so privileged to be part of this. Being at this opening reminds me how blessed we are to live in The Villages,” said Jean. “I am just full of gratitude right now. It is easy to get caught up in the ‘pool talk’ about what is wrong in The Villages. It is nice to come to a center opening and remember what is so right about living here.”

Notice the words – privileged, blessed, and gratitude. We shouldn’t wait till November, till Thanksgiving is in the air, to express gratitude and thanksgiving. We should be grateful all year – don’t listen to the gossip – go to Welcome Wednesday and get the facts. Don’t listen to the whiners and complainers – walk away – life is too short to let anyone rain on your parade. Daily have an attitude of gratitude. Practice thanksgiving all year long – even on days when you might need a magnifying glass!

“You simply will not be the same person two months from now after consciously giving thanks each day for the abundance that exists in your life. And you will have set in motion an ancient spiritual law: the more you have and are grateful for, the more will be given you.” — Sarah Ban Breathnach

“There are only two ways to live your life. One is as though nothing is a miracle. The other is as though everything is a miracle.” — Albert Einstein

“Gratitude can transform common days into thanksgivings, turn routine jobs into joy, and change ordinary opportunities into blessings.” — William Arthur Ward

Have a blessed Thanksgiving.Carol Lynn Nelson

[email protected]

The Villages Way | Gratitude

VHA Officers, Directors and Representatives are

unpaid, volunteer Villagers dedicated to supporting you and

the VHA Mission.

The Villages Homeowners Advocates has partnered with our Sumter County Humane Society (Humane Society/SPCA of Sumter County, Inc.) to introduce a new program into The Villages called mobiPET. mobiPET is the world’sfirstphotoamber

alert for missing pets. Once registered, mobiPet sends out an immediate photo alert for your missing pet. With nearly 100,000 pets in The Villages and at least one lost pet occurring every day, this will be another way to keep your pet safe, and if lost, increase the chances of it being returned safely to the owner. More information about the program can be

found at www.mobipet.me

The VHA & mobiPet


Bike Friendly Community Corner : Uninsured Motorist Coverage | Do Not Get On Your Bike Without It

By Jim DodsonOur goal as the Bike Friendly Advocacy Group

is safety when we ride. This article, written at our request by bicycle attorney Jim Dodson, reflects on another aspect of safe cycling, accidents involving other people and vehicles with no insurance to protect us, their victims.

As cyclists, we understand and accept the risk of sharing the road with drivers who are sometimes careless and inattentive. What you may not know is that 40% of those drivers do not have a penny of insurance that will pay for the harm they cause if they were to run into you. Yes, you read that correctly, 40% have no bodily injury liability insurance because Florida has no mandatory bodily injury liability requirements. Drivers can legally register their vehicle without being required to purchase any insurance that will pay for the harm they may cause you or me. Most people don’t learn this sad reality until after their first crash.

There’s a simple way to protect yourself and anyone in your household. Purchase uninsured motorist coverage on your auto policy. In my view this is the most valuable coverage any cyclist can have. Your agent may not have explained this to you, but I will. Your UM coverage protects you in a number of ways when you are involved in a crash with another vehicle. It not only protects you while in your own vehicle, but the same protection covers you while riding your bicycle, as a pedestrian, riding in a friend’s car or driving a rental vehicle. It protects you in Florida or in another state.

The purpose of UM is to provide the insurance protection which should have been provided by the driver who caused the crash. If the driver has no bodily injury liability insurance or only a small policy, your UM will pay what they would otherwise be obligated to pay you.

It works like this: if you are injured in a crash caused by an uninsured driver and you suffer an injury claim worth $100,000 you would receive no compensation unless you had UM on your policy. If you had UM on your policy you would receive compensation up to the limits of your UM policy (not exceeding the value of your $100,000 claim). If you are injured in a crash caused by a driver who had a small $10,000 bodily injury liability policy, your UM policy would pay the $90,000 difference, assuming you had $100,000 UM coverage.

Some people have suggested we may not need UM if we have Medicare or a comprehensive health insurance policy. That thinking is very short sighted. While it’s true your Medicare or health insurance may pay your medical expenses after an injury, they frequently don’t pay all of them. In addition, anyone who has been seriously injured has a large potential claim for the value of the loss of their enjoyment of life (imagine not ride your bicycle again for months or potentially forever) as well as unpaid medical expenses, future medical expenses, lost wages, loss of future earning capacity in addition to mental and physical pain and suffering inflicted.

In the most tragic circumstances involving the death of a cyclist, their survivors (spouses or children) are entitled to be compensated for the loss of their spouse or parent. These losses can be devastating. Often the only source for their compensation and protection is through UM.

Another incentive for the purchase of UM is that it covers every resident relative of your household. That means if a family member is injured in a crash caused by a vehicle while riding a bicycle, on foot, or driving or as a passenger in someone else’s car they are covered by the UM policy you had the foresight of purchasing.

We have a great resource available at absolutely no

cost at www.JimDodsonLaw.com. It is a consumer pamphlet entitled Uninsured Motorist Insurance, Don’t Leave Home Without It. Simply go to our website fill out the contact form and we will get a copy to you in the mail right away. You may also call our office directly and request a copy. You can easily review it in 15 minutes.

One of the great privileges I have in the practice of law is to be able to help fellow cyclists who have been injured in a crash. As an active cyclist myself for many years, I understand the issues each of us faces on the road as well as how and where we ride. This can be an enormous help in making sure the rights of the cyclist are protected when an unexpected crash occurs. You would be shocked at how often my intimate knowledge of cycling comes into play in assigning fault after a bike crash. Most claims adjusters do not ride a bicycle, they don’t know anyone who rides a bicycle and they can’t imagine why on earth anyone would want to ride a bicycle 50 or 100 or 200 miles a week. I have been involved in investigating numerous cycling crashes in which the first instinct of the police officer or claims adjuster was to blame the cyclist. Reversing their first impression requires not only years of experience investigating these crashes but the ability to prove what really happened. This has proven to be invaluable for my clients.

Jim Dodson is an experienced bike accident lawyer, cyclist and bicycle safety advocate who has been representing accident victims for over twenty-five years. He represents injury victims throughout Florida. He is the author of the Florida Bicycle Accident Handbook, relied upon by hundreds of cyclists across the state. If you have a question about a cycling accident, contact Jim at www.jimdodsonlaw.com. There is never any charge to discuss your case.

Veterans Corner : What is a NEXUS Letter & Why is it Important?

A NEXUS letter is the medical evidence a doctor prepares for a veteran that explains how and why the veteran’s current medi-cal condition is related to his military service or secondary to an

established service connected disability.

In order to have a successful VA disability claim, the Veteran must meet three specific criteria;

1. he must have a current, chronic disability; 2. the disability must have been caused by, the

result of, or aggravated by his military service or a secondary condition caused by an existing service connected disability; and

3. there must be a NEXUS or link between the first two criteria.

For example; Private Gomer S. Pyle breaks his arm during field training while in service, it is placed in a cast and six weeks later the cast is removed, all of which is documented in his service treatment records (STR.) However, further review of his STR reveals there are no further entries regarding his arm

AFTER the cast is removed. When Private Pyle’s enlistment is complete and he separates from service, the separation physical may or may not mention the broken arm. Nonetheless, approximately 10 years after his military separation, Mr. Pyle decides to submit a VA disability claim for his arm. Assuming he has a diagnosis of a current arm condition, the VA would need to see a link or NEXUS between his current arm disability and the training accident that happened in service. In this scenario, the VA will not dispute the injury in service, and with a recent diagnosis of an arm problem will not refute the current disability. However, because more than 10 years have passed and there is no obvious chronicity of an arm problem directly related the broken arm in service, the VA will insist that Mr. Pyle prove a NEXUS or link between the in-service training accident and his current diagnosis.

As you can see from this simple example, the

NEXUS, or link is often the hardest element of service connection to establish. If you have a claim that has been denied and you believe a NEXUS letter would improved your chances of receiving a service connected grant, we encourage you to make an appointment with us to discuss your claim (352) 689-4450.

Rick BlairCVSO ManagerVeterans Services Office7375 Powell RoadWildwood, FL 34785Direct: 352-689-4450Fax: [email protected]

Rick Blair, CVSO Manager


As a feature in the VHA Voice, one of our participating merchants in our “Merchants to Members” program will be highlighted each month. These participating merchants are listed in our monthly newsletter and on our website www.thevha.net along with the discounts and special offers they provide to VHA members.

Custom Apparel & Gifts is another fine example of a family run, boutique business we Villagers have come to appreciate and de-pend on for exceptional quality, service and attention to detail.

Seven years ago Robbin and Shawn Carr opened a screen printing and embroidery shop here in The Villages continuing a family legacy that dated back some twenty-six years. Since opening, their reputation has allowed them to become one of the largest screen printing and embroidery shops in The Villages. Currently their client list includes hundreds of clubs and businesses in or near Florida’s Friendliest Hometown. And when you add to that the countless number of custom jobs, for people like you and me, it’s easy to see why The Voice was eager to sit down with Robbin and Shawn to understand how they do it.

“We specialize in custom embroidery on anything; Shirts, Hats, Towels, Totes and many more items” Robbin explained. They do not have minimum orders for embroidery so they truly are a “no job is too big – or too small” shop. Start by bringing in a photo of what you would like embroidered. If you don’t have a photo or a drawing you can select from dozens of artwork from their catalog. You then choose from one of their in-stock products or you can order items from their extensive catalog. Robin went on to explain that if you still can’t find something you like, “we accept outside products”. “So bring in whatever you want embroidered and we will take care of you”.

Custom Apparel And Gifts Shawn explained why their screen printing service

is great for any type of organization, party or event. “If you want to build a team atmosphere, there is no better way than by creating team shirts or hats. For parties or events we can also make custom novelty shirts to add fun and memorialize the special event.” Just like for embroidered items, the screen print process begins with artwork, be it yours or theirs. However unlike their embroidery service, there is a 12 piece minimum for screen printing. But if you only need one or less than 12 pieces Custom Apparel also has a Heat Press service that can be applied to any item purchased in house or to items you bring in from outside.

Custom Apparel is located in the Southern Trace Plaza at 3451 Wedgewood Lane. They are open Monday thru Friday from 9 am to 5 pm and from 10 to 3 on Saturdays. So next time you’re nearby, stop by Custom Apparel to see samples and examples of what they have to offer. They can also be reached by email at [email protected] or by phone 352-750-1600.

VHA members will receive a 10% discount on all screen printed items by showing their membership card when ordering. And for a limited time, in honor of our New VHA logo, VHA members will receive a 10% discount on all new VHA embroidered shirts. In conclusion, chances are if you can dream it, Custom Apparel can print it.

Art Donnelly

Custom Apparel and Gifts storefront

Custom Apparel and Gifts employee operates the embroidary machine.

A wide variety of color choices and styles are available inside.

Wishes you and your Family a


50 CENTS Next delivery date is December 7th VHA Question ... · 50 CENTS Next delivery date is December 7th November 2016 • Vol. 22 No. 11 Inside This Month’s Voice Seniors Vs.

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