Today’s Events:

President Linda Kaplan presiding

ROTARY THEME 2006-07

ANNOUNCEMENTS

President Linda Kaplan opened today’s meeting with a reminder of the Club’s Holiday Party, Dec. 9, at the home of Bruce Thor, 3252 Riviera Drive, in Coral Gables. Linda also thanked those members who participated as Parade Marshalls for this year’s Santa Parade of The Elves.

President Linda reported on the December Board Meeting and the terrible attendance percentage of the Club which was attributable to the poor attendance of 18 members. John Sorgie, as a one-man telephone squad, pointed out that ten of the eighteen were present at today’s meeting. Way to go, John. Now we know why they named a room after you!

John Sorgie also reported on the winners of Football Mania. President Linda shared first prize. John also praised Bob Straile for having sold the most books again, this year, implying a banner year for Cadillac/Hummer sales

Club Foundation Chair Donna Gaines presented Fabio Fernandez with his Multiple Paul Harris Fellowship pin. Way to go, Fabio!

We need a fix-it volunteer to repair the

ROTARY MEETS HERE

sign that leads into Bernie’s parking garage.

If you fit the bill, see Linda.

Ricardo Comacho’s

Swim Bike Run Store’s

Grand Opening was Saturday, November 18, 2006.

Please frequent this new business at 5942 SW 73th St. Miami,
Fl 33143      (305) 668-5650

http://www.swimbikeandrun.com/index.asp

GARAGE SALE

VOLUNTEER HOME STILL NEEDED

We’ll work within your schedule. Please step up and help replenish our dwindling budget reserves.

All proceeds benefit our charities. Contact Linda.

HOLIDAY PARTY
Saturday, December 9, 2006
Thor Bruce’s home



3252 Riviera Drive, Coral Gables
corner of Riviera & Anderson


Yes, it is very early to think about this but:
ROTARY DISTRICT 6990

Southeast Florida, U.S.A. and Grand Bahama Island, Bahamas

2007 District Conference Aboard the Carnival Imagination
November 15-19, 2007

~~Two Category Upgrade Limited Offer ~~

Guests will receive a FREE 2 category upgrade upon receipt of full deposit of $150.00 per person and legal names. Upgrade is within like categories; interior to interior or ocean view to ocean view.

Offer expires 11/30/2006 and excludes category 11 / 12 Suites.
For complete details on cabins that accommodate more than two guests and cancellation policies, please contact us at

4-Day Western Caribbean Itinerary from Miami, FL.
Conference Highlights

• Four Days of Frolicking Fellowship in the D6990 Tradition
• A Bit of Rotary Information
• Quality Time with Your Family and Fellow District Rotarians

Cruise Highlights

For 4-day getaway, sail off to the sunshine and beaches of the Western Caribbean aboard the Imagination. On this great mini-vacation, you only have to unpack once, and then you’re off for an island adventure. You’ll enjoy fun activities, fabulous meals, the complete Spa program, lavish Vegas-style shows, a friendly casino and all the pampering service Carnival is famous for. All cabins booked will receive a $50 per stateroom onboard credit!

• 4A (Interior Double) - $289*
• 4A Third & Fourth - $229*
• 11 (Junior Suite) - $699*
• 6A (Ocean-view Double) - $349*
• 6A Third & Fourth- $249* 12 (Penthouse) - $799*

*Government taxes of $42.88 per person are required and additional. Pre paid gratuities of $40.00 per person are optional. Rates are based on double occupancy and on a per person basis. Accommodations are included in the cruise rate as well as all meals, shipboard entertainment and
activities. Single occupancy & 3rd and 4th guest rates are available upon request. The $35 Conference Registration Fee will be automatically added.

Deposit and Payment Information
First deposit of $150.00 per person is due at the time of booking,, and final payment on 09/17/2007. Penalties for cancellation begin on 09/17/2007. Group space or is not guaranteed until full deposit of $150.00 per person is made.

1-866-721-3225
Please refer to booking # 4NX070

ARTFEST COMMITTEE:
Getcha Sponsorship Packets



Next meetings:
Tuesdays
November 28th & December 26th
@ 5:30 p.m. South Miami Library


Coral Gables Cycling Celebration



OPEN TO THE COMMUNITY
the first Sunday of the month: Dec 3, Feb 4, March 4, April 1, & May 6
11:00 am – 2:00 pm

For ROTARIANS:

Above: our Peter Wendshuh (far right) heading to Homestead

Meet to cycle at 7:30am every Saturday
@ Patricia’s (5911 Maynada)

YOUR TRASH IS OUR TREASURE

$$$$

PRINTER CARTRIDGES FUNDRAISER

Each empty inkjet cartridge that we recycle back into circulation decreases the amount of solid waste that is put into our landfills.

BRING IN YOUR OLD, USED LASER CARTRIDGES AND INK JETS – THERE’S A BOX IN THE CLOSET AT BERNIE’S THAT WE FILL UP AND SEND IN FOR CASH. IN THE BOX, YOU’LL FIND A PRINT LISTING OF WHAT CARTRIDGES ARE ACCEPTED

Also, for old cell phones: Mike collects them for Women in Distress

FUTURE SITE OF:

THE DEER AND BEER HUNTERS
CORNER



UNDER CONSTRUCTION
LOOK FOR THIS FEATURE IN FUTURE ISSUES

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NEED TO MAKE-UP A MEETING?

Visit www.rotary6990.org
So you missed a meeting, do you know what a great opportunity this can be?

Take the opportunity to make up at another club, meet new and interesting members.

This can be a great opportunity to meet business owners who might be interested in the services that you provide and see how other clubs are growing membership!
For online make-ups:

http://www.rotary.org/newsroom/downloadcenter/pdfs/eclub_list.pdf

Attendance credit for a 30-minute interactive club Web site activity. This offers an alternative to making up a meeting at another club. To earn an attendance credit, Rotarians usually log on to the Web site, read online material on a range of subjects, post comments, and submit a form to the club secretary.

For make-ups anywhere around the world when traveling internationally:

http://rotary.org/support/clubs/index.html

NOTIFY DOREEN REITNAUER, SECRETARY, OF ALL OF YOUR MAKE-UPS:

Doreen_reitnauer@colonialbank.com

Lydia White introduced former South Miami Rotarian Ellen R. Siegel, CFP, CLU, ChFC, CSA and president of Ellen R. Siegel & Associates, Inc. For those unaware of all the initials after Ellen’s name, here’s a primer: CFP - Certified Financial Planner; CLU – Charter Life Underwriter; ChFC – Charter Financial Consultant; CAS – Certified Senior Analyst. As most of us are aware, due to the unseasonable weather, Florida is under a Water Alert – no washing cars, no watering lawns, etc. Water specialists at the State level are analyzing the situation using four parameters: quality, quantity, time, and distribution. Bridging from water into financial planning, Ellen recommended the same parameters be used in approaching financial planning.

Quantity: look at income sources, steady paycheck, sporadic ups and downs of commission income or investment income.

Quality: check on your investments. How does your investment instruments compare against its peers? Who are the people managing the investment – their background, their track record, etc.? She suggests you have to have the courage to change if the asset no longer delivers adequately for your need or goal. Be sure you know your own tolerance for risk. Yes the greater the risk, the greater the reward; however, the risk should never be worth an ulcer or nervous breakdown. She suggests it’s your responsibility to learn and understand market forces, and be prepared to spread your assets across a broad range of investments. Although everyone’s situation is unique, as a general rule, she suggests you divide your income 1/3 savings, 1/3 investments and 1/3 spending.

Timing: Timing deals with both inflow and outflow. Do you get paid weekly, biweekly or monthly? Timing is also knowing when to buy, when to sell and is impacted by taxes, future market conditions and future needs. Ellen recommends not buying when everyone else buys. Since we all respond to greed and fear, it’s imperative we use asset allocation funding. We should sell where there is a need for cash, to supplement our retirement income and the smart investor should always hold two years of cash or cash equivalent investments for emergency situations.

Distribution: Be mindful that different products have different tax impacts and when it comes to mutual funds, which fund to buy depends on your individual tax situation and your investment goal.

Ellen left information packets for the membership to help determine what’s right for you.