We wish to thank the sponsors of our club’s newsletter! Click on our fellow Rotarians  business cards & visit their website:

We welcome all of our visitors….

Gabriel de Armas (Raquel)

Marcos de Cantery from the Rotary Club of Londrina Airport

District 4720 in Southern Brazil

We’re happy because…

~Bittersweet tidings – The flags in New Mexico are at half staff in respect of Britt’s grandfather’s  passing.  He worked for ten years in service to the state legislature –Britt.

~In honor of Milton Phillips, a prior member – David

~The Brazilian National Team is my favorite football team – Karven V

~For the time Roy’s put in to support the Rotary Foundation’s Polio Plus project – Don S.

~For a great concert Roy – Mike Mills

~I spoke with Bruce Higley a few weeks ago and encouraged him to come to an upcoming meeting – Roy

~My wife Fran completed her PhD!!!!!!!!!! – Dr. Darryl

~The Barnacle is having a bar-be-cue on Saturday from 6pm – 8pm – a LOT of fun – Britt

~For all of the opportunities for fellowship and service from this club – Wendy

~For some Grandma brag time – my grand-daughter was a teenage model who attained her accounting degree, has earned twoDeloit internships while working her way through graduate school and in the Fall finishes with a job awaiting her in 2011!

~Tonight at 7pm Old Miss plays Dayton for the final four in basketball in a subconference.  Watch for Murphy Holloway, a young man from S.C. who got through school with help from Mike’s friends – Mike Mills

~Last Thursday’s jazz concert was wonderful – Doreen

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Today's Events:

President Pansy Graham presiding

ROTARY THEME 2009-2010

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     ·  

Monday, April 5, 2010 @ 6PM

RCSM Board Meeting

followed by the

Rotary Foundation of South Miami, Inc.Board Meeting

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The new and improved

RCSM Board Mailing List

has now been activated. To send an E-mail to this list, please address your E-mail to:

board@lists.southmiamirotary.org 

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The new and improved

Rotary Foundation of South Miami, Inc.’s Board Mailing List

has now been activated. To send an E-mail to this list, please address your E-mail to:

 foundation@lists.southmiamirotary.org

FOR SALE:

As of Saturday, March 27, 2010,  we have 2 cases of Orange; 3 cases of Sprite; one or two cases mixed- mostly orange and sprite but also some water and diet soda; and 18 cases of water.

All cases have 24 bottles of 20 oz bottles.

Water is $12.00; sodas are $21.00. Our cost. Checks are preferred and may be

tax deductible to buyer, making cost even less.    We deliver, 24/7.

How many would you like?

Regards,

Fabio

(305) 205-2117

Diana Phillips:

Reminded us about Jim Stehyle, a past member who was a long time Sergeant of Arms and dedicated Rotarian.   Four of our big hearted members were asked to participate in the JIM STEHYLE Essay Contest Committee. 

Essay question to the children: We’re asking them to investigate and decide whether the enormous sum of money spent on NASA has been worth it or not.

Awards will be distributed at the South Miami Middle School Social Science Fair.  I (Ellen) spoke to the assembly to give these awards a few times and it is just a blast to see the miniature models and compare the projects!

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WHAT CAN YOUR $500.00 DONATION TO THE ROTARY FOUNDATION DO?

Your $500.00 donation to The Rotary Foundation can help provide a watch repair business for six disabled workers in the Philippines, purchase safety equipment for a boat providing public health service to isolated river villages in Peru, provide prosthetic limbs for 12 disabled people

in Thailand/Cambodia, or buy five small sewing businesses to give poor mothers in Mexico a better ability to lead self-sufficient lives.

YOU CAN COMMIT TODAY TO DONATING $100.00 PER YEAR TO THE ROTARY FOUNDATION AND START MAKING A DIFFERENCE IN PEOPLES LIVES.  WILL YOU?

Yours in Rotary Service,

Elihu F. Phares , Annual Giving Chair

The Rotary Foundation Sub-Committee

Rotary International District 6990

Email: elihuphares@bellsouth.net
HPhone: 954-492-8254
OPhone: 954-492-8254

NEXT SHOW

Saturday & Sunday, February 26 – 27, 2011

www.southmiamiartfest.com 

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Club Leadership Forum

aka the Rotary District 6990 Assembly

Signature Gardens

12725 Southwest 122nd Avenue
Miami, FL 33186-5100
(305) 251-5000

Saturday April 17, 2010  *  8:00 am - 2:30 pm

General Session Topics

** Business Meeting

** Introduction of District Governor Nominee-Designate

** Rotary Camp Florida

** Kids Against Hunger Rotary Project

** National Immunization Day Report

** Haiti Initiative Task Force Update

Breakout Sessions

** Rotary Club Challenges AND Solutions

** Promoting Your Club Through Social Media

** Marketing the Rotary Brand

** Secretaries Elect Training Seminar

** Treasurers Elect Training Seminar

House of Friendship/Vendor Expo

Awards and Recognition Luncheon

FELLOWSHIP *** SERVICE *** NETWORKING *** FUN

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2010Convention in Montréal, Canada

DID YOU MISS A MEETING ‘BECAUSE YOU WERE AWAY?

Our club goal is 100% Attendance!

If you miss a meeting, it can be made-up within 2 weeks, before or after, of the missed meeting date.

For online make-ups:

Visit www.ri6990.org to find a club to make up an absence. 

Attendance credit for a 30-minute interactive club Web site activity offers an alternative to making up a meeting at another club.

To earn this credit, Rotarians log on to the site, read up on a range of subjects, post comments, & submit a form to the club secretary.

How to do a Make-Up On-Line via Rotary eClub One?

Perfect attendance is now possible for every Rotarian with computer access. Rotary’s eClub One is a full-service online charted Rotary Club. Meetings operate 24 hours a day, seven days a week. What an easy way to make up for a meeting that you have missed! During the last Rotary year, Rotary eClub One welcomed more than 120,000 visitors from 161 countries. Of these, about 800 per week participated in one of eClub One’s meeting programs and applied for make-up credit.

Here’s what you have to do to earn make up credit. Go to
http://www.rotary.org/RIdocuments/en_pdf/eclub_list.pdf

It is mandatory that you spend at least 30 minutes on the website for qualify for a make-up credit. (Remember Rotarians are guided by the principles of the 4 Way Test).

For make-ups anywhere around the world when traveling internationally: http://rotary.org/support/clubs/index.html

NOTIFY Brett Trembly, RCSM Secretary

of ALL make-ups:   b.trembly@gmail.com

2009-10 RCSM OFFICERS:

President:  Reverend Pansy Graham
pansygraham@bellsouth.net

President Elect:  Doreen Reitnauer
dhiker217@aol.com

Vice President:  Mike Mills
millsmike@aol.com

Secretary:  Brett Trembly
b.trembly@suttonlawgroup.com

Treasurer: David Jacobs
david@jnccpas.com

Sergeant at Arms:  Fabio Fernandez
fernandezfabio@bellsouth.net

Club Board of Directors:

Rotary Foundation of South Miami, Inc. Board of Directors:

Pansy Graham, Doreen Reitnauer, Brett Trembly, Don Streaker, Fabio Fernandez, Treasurer Artfest, Linda Kaplan, Diana Phillips, Ellen Book

Rotary District 6990:

www.ri6990.org / 305-860-8060

District Governor Lee Phares & Eliju Phares District Foundation Chair

World Organization:
www.rotary.org

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Mission Statement

The mission of Rotary International, a worldwide association of Rotary clubs, is to provide service to others, to promote high ethical standards, and to advance world understanding, goodwill, and peace through its fellowship of business, professional, and community leaders.

THE 4-WAY TEST OF THE THINGS WE THINK, SAY OR DO:   

Benefits of Being A Rotarian (Membership)
Rotary membership provides the opportunity to:

¨       Become connected to your community.

¨       Work with others in addressing community needs.

¨       Interact with other professionals in your community;
assist with RI's international humanitarian service efforts.

¨       Establish contacts with an international network of professionals.

¨       Develop leadership skills.  Involve family in promoting service efforts.

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Renewing or Joining
To Renew ($275) or to become a New Member ($325) contact

Asaad Massoud at www.racharters.com

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Fundraisers
Interested in putting together a fundraiser?

Contact Club Fundraising Chair Wendy Lapidus at wendylapidus@bellsouth.net

Service Projects

Interested in helping others?

Contact Club Service Chair Linda Kaplan at lk@lindakaplan.com

introduced today’s speaker

Rene Cibran, MBA, CLTC

Mass Mutual Financial Group

2100 Ponce de Leon Blvd., 6^th floor

Coral Gables, FL  33134

305-648-2445 office / 305-282-3885 cell

http://ltc-miami.com/new/ltcmiami/content.asp?contentid=2017267181

Healthcare During Retirement Years

About Agency Long Term Care Specialist: Rene Cibran, CLTC
Rene Cibran began his career in financial services in 1991 and has since devoted his efforts at helping clients with their financial goals. Mr. Cibran holds a Certified in Long Term Care (CLTC) designation and is the Agency Long Term Care Specialist for Linq Financial Group, a general agency of Massachusetts Mutual Life Insurance Company (MassMutual).

Rene is passionate about providing guidance to employer groups, couples and individuals; in helping them plan for their future retirement and the financial challenges they may face. Aside from his CLTC designation, Mr. Cibran’s personal experience with clients and his own family members make him uniquely qualified as a Long Term Care Specialist. From his Great-grandmother who lived until 104, to his Grandfather who was stricken with Alzheimer’s, to the untimely passing of his Brother at age 49; Rene understands the overwhelming, emotional and financial toll that chronic care places on families. 

Mr. Cibran is very active in the community and a member of the Pancreatic Cancer Action Network, Alzheimer’s Association, Coral Gables Chamber of Commerce, and FIU Alumni Association. Rene is an Advisory Council member for CoralGables @HOME, a program developed by the Coral Gables Community Foundation, to facilitate the fullest degree of independent living at home. Mr. Cibran received his Master’s Degree in Business Administration (MBA)  from Nova Southeastern University in 1994 and Bachelor’s Degree of Business Administration from Florida International University in 1980. Rene is fluent in both English and Spanish and resides in the City of South Miami, with his wife Aimee and their two children.

When social security was first enacted in 1935, benefits began a age 65. However, the average life expectancy was only 61.

There was little or no need for retirement planning since there were only a few years left to live past retirement.

 Retirement success is determined by good decisions about:

·       Income

·       Liquidity

·       Health care

·       Legacy

 Three primary sources of retirement income:

·       Pension plans

·       Social security

·       Personal savings

 Shifts in pension plans

60% of Americans in the 1970’s were covered by pension plans

We’re living much longer and it’s much more expensive

 Work to build a secure future – Social security is the largest source of income for most elderly Americans today.  It was never intended to be your only source of income when you retire.

 Saving and investing wisely are important not only for your and your family but for the whole country.

 Now Social Security system is facing serious financial problems. More money is going out the door than coming into the system.

 We’re living longer then ever before due to significant technological advances in healthcare, nutrition and medications. 

Fastest growing segment of the population today are seniors over the age of 65.

 On average by age 75 older adults have 2-3 chronic medical conditions and are the heaviest consumers of health care

 Baby boom tsunami 1946 – 1964

 By 65 you have a 70% chance of needing substantial assistance through long term care for bathing, eating, dressing.

·       $59,520/year or $4,960 /month – medical care with a home health aid

·       $73,360/year,$7,800 /month – chronic extended care

 What isn’t covered by Medicare?  Long term care (since 1997), acupuncture, cosmetic procedures.

 Purchase private long term insurance – but by age 65 a person with chronic issues means that they are not eligible. 

 Class Act – benefits will allow pre-existing conditions with limits.  Disabled or those declined from a private insurance carrier are eligible.  Meant for those that are employed. 

 Medicare pays for first 20 days after a hospital stay

Then a portion until 180 days and then nothing.

 Medicaid – a lot of creative tax and legal planning to qualify by transferring assets. IN 2005, this is a partnership plan and eligibility became much tougher.  On the positive side, now you must  buy a policy BUT if you deplete it –then you qualify for Medicaid – and your assets are shielded.  This was developed in 1980 and now recently got past. 

 Plan for your future and choose:

$150-$250 month for long-term policy coverage versus the decision to subscribe to cable television with the same costs. 

The baby boomers make healthcare a colossal demographic issue.

President Pansy Graham with our speaker