Archive for the ‘Uncategorized’ Category:

What to do in Viera, Fl

Viera is the newest group of communities on Florida’s East Coast located within Brevard County. It is often referred to as Florida’s Space Coast because we launch rockets into space from Cape Canaveral. Even our (telephone) area code is 3-2-1 because of the launches. You can see these launches from almost any “backyard”. Once grass sod farms and cattle ranch lands, this entire town has blossomed into a mecca of beautiful, stately and reasonably priced custom-built homes. With a lifestyle of “country friendliness”, there are many activities to enjoy, to name a few: shopping, bird watching at the RITCH GRISSOM Viera Wetlands, golfing, fishing, surfing, hiking, sightseeing, health & fitness at PRO HEALTH, swimming. Because of its proximity to I-95 and US Hwy 1, this community has become the final destination for many of its visitors and rightly so.

If you are into Golfing, we have World Class golf courses, such as the DURAN Golf Course featuring an 18 hole championship course which was voted the best public course by our locals and Golf Communities, such as the Villages of Viera East with its (on site) 18 golf courses.
If you are into sports, our Space Coast Stadium is the future home of United States Specialty Sports Association (USSSA) which will bring youth sporting events all year round.
The Brevard Zoo is a major highlight of this area. Feed a giraffe or a lorikeet; zip across zip lines at Treetop Trek. You can even take a kayaking tour around the animal exhibits.
The Avenue Viera has over 70 stores and 22 restaurants, from quick service to fine dining. Are you a Movie Goer? There’s an AMC 16-screen theatre with comfortable seating here too!
The Historic Cocoa Village Playhouse minutes from Viera and has incredibly talented locals. You will think you are on Broadway (NY). The sets, costumes and charm of the theatre’s architecture and history will charm you. Top shows are consistently performed and run on weekends.
The King Center for the Performing Arts features top name performers, concerts and shows.
The Hennegar Center is another theatre located nearby, in Old Melbourne.
Gambling? We have that too! Just 15 minutes away and get on board the Victory Casino Cruise leaving from Port Canaveral or go to Club 52 at Melbourne Greyhound Park in the heart of Melbourne, where there are 38 poker tables, and live “in-season” greyhound racing. Also featuring the country’s top touring comedians performing every Saturday night.
Are Flea Markets your thing? Renninger’s Super Flea & Farmer’s Market is the place to go. A lot of cool stuff, antiques, fresh produce and bargains galore.
We honor and care about our Veterans. The Viera VA Outpatient Clinic is a modern facility located approximately 10 miles from Patrick Air Force Base in central Florida, where service is provided to our Veterans in Brevard, Volusia and Indian River Counties.
If you are concerned about schools, we are rated A-1 in the state of Florida. In the Brevard Public Schools district (BPS), your child can attend a magnet school, Millennium Elementary Choice School, Junior/Senior High Choice School, International Baccalaureate (IB), Cambridge Program, Career and Technical Education (CTE) Program, or a charter school. The Choice Program schools offer a creative approach and a curriculum unique to each school.
We have it all.

Within minutes, you can be at our Art Gallery of Viera featuring local and international artists. The gallery also offers classes and seminars at their art center.

Viera lacks nothing and can certainly give you enough things to do to enjoy a wonderful lifestyle.

7 Habits That Rob You of Time

7 Habits That Rob You of Time

IMG_1384Do you ever feel like there just aren’t enough hours in the day? Does is seem like you’re always busy, yet not accomplishing as much as you’d like? Do you feel like your life is spiraling out of control? You’re not alone. I’ve coached hundreds of clients on how to regain control of their lives, and I believe I can help you too.

If you’ve tried to organize your life and be more productive, but find there’s something getting in the way, you’re right; and it’s not what you may think.

Many people think that obstacles getting in the way of creating their ideal life are external. And some may be, but that is beyond your control. the good news is that most of the obstacles are internal, which means you have control.

You can remove these obstacles and make your life more manageable and meaningful. How? By simply learning which habits may be creating these obstacles. Read on to discover the 7 habits and how to dissolve them so you can create the life you want.

Click Here to Download 7 Habits That Rob You of Time

Flood Insurance

Flood Insurance

The other day, I received my bill for Flood Insurance and was shocked at the price. I moved to Florida in 2000 and had a home built by one of the major builders. The cost was slightly over $200 and I thought it a good idea, even though I am not in a flood zone [to protect my home] because it had a pool and there was a berm directly behind my property. Well, here it is 15 years later and I got my new bill: $655/yr. I went on the My Flood website and it asked for me to log in with my policy number. By answering a simple question:
Do you or you spouse live there over 80% of the time, I saved over $200. If you are carrying flood insurance now and want to save money, go sign in and answer that question! Here are some facts about floods, which may open your eyes and possibly convince you to buy flood insurance if you haven’t done so already:
  • In the past 5 years, all 50 states have experienced floods or flash floods.
  • Everyone lives in a flood zone.
  • Most homeowners insurance does not cover flood damage.
  • If you live in a Special Flood Hazard Area (SFHA) or high – risk area and have a Federally backed mortgage, your mortgage lender requires you to have flood insurance.
  • Just a few inches of water from a flood can cause tens of thousands of dollars in damage.
  • Flash floods often bring walls of water 10 to 20 feet high.
  • A car can easily be carried away by just two feet of floodwater.
  • Hurricanes, winter storms and snowmelt are common (but often overlooked) causes of flooding.
  • New land development can increase flood risk, especially if the construction changes natural runoff paths.
  • Federal disaster assistance is usually a loan that must be paid back with interest. For a $50,000 loan at 4% interest, your monthly payment would be around $240 a month ($2,880 a year) for 30 years. Compare that to a $100,000 flood insurance premium, which is about $400 a year ($33 a month).
  • Homes and businesses in moderate – to low-risk areas may qualify for the low-cost Preferred Risk Policy.
  • In most cases, it takes 30 days after purchase for a policy to take effect, so it’s important to buy insurance before the storm approaches and the floodwaters start to rise.
  • In a high-risk area, your home is more likely to be damaged by flood than by fire. Even though flood insurance isn’t federally required, anyone can be financially vulnerable to floods.In fact, people outside of mapped high-risk flood areas file nearly 25% of all National Flood Insurance Program flood insurance claims and receive one-third of Federal Disaster Assistanceforflooding.
  • When your community participates in the Community Rating System (CRS), you can qualify for aninsurance premium discount of up to 45% if you live in a high-risk area and up to 10% in moderate-to low-risk areas.
  • More than 5.5 million people currently hold flood insurance policies in more than 21,800 communities across the U.S.
  • The two most common reimbursement methods for flood claims are: Replacement Cost Value (RCV) and Actual Cash Value (ACV). The RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to at least 80% of the building’s replacement cost.
For more policy and claim statistics, visit the National Flood Insurance Program.
Reprinted from

Senior Discount List

Here’s a list you should always carry with you. This is great! There are many places we SENIORS can get a DISCOUNT! Always ask if they give discounts to Seniors (even if they are not on the list)
…you never know. If you are over 50, give it a try! After all: “A penny saved is a penny earned!”

Good luck!

Click Here to Download the Senior Discount list


Here’s a beautiful story.  Even though I can’t claim the credit for it, I feel compelled to pass it along to  all of you.  Please take a moment to read it.  Life is funny, we don’t always see the fruits of our
labor  and love, but oftentimes someone else does , and that’ s what we should strive towards .


There was a young woman who took great pride in the growth and care of the flowers in her flower garden. She had been raised by her grandmother who taught her to love and care for flowers as she herself  had  done.  So,  like  her  grandmother,  her  flower  garden  was  second  to  none. One  day  while looking through a flower catalog she often ordered from, a picture of a plant immediately caught her  eye. She had never seen blooms on a flower like that before. “I have to have it,” she said to herself, and  she  immediately  ordered  it.

When  it  arrived,  she  already  had  a  place  prepared  to  plant  it.  She planted it at the base of a stone wall at the back of her yard. It grew vigorously, with beautiful green leaves all over it, but there were no blooms. Day after day she continued to cultivate it, water it, feed it, and she even talked to it attempting to coax it to bloom. But, it was to no avail.

One morning weeks later,  as  she  stood before  the  vine,  she  contemplated  how  disappointed  she  was  that  her  plant  had not bloomed. She was giving considerable thought to cutting it down and planting something else in its  place. It  was  at  this  point  that  her  invalid  neighbor,  whose  lot  joined  hers,  called  over  to  her. “Thank  you  so  much!  You  can’t  imagine  how  much  I  have  enjoyed  the  blooms  of  that  vine  you planted.” The young woman walked through the gate into her neighbor’s yard, and sure enough, she saw  that  on  the  other  side  of  the  wall  the  vine  was  filled  with  blooms.
There  were  indeed  the  most beautiful blooms she had ever seen. The vine had crept through the crevices and it had not flowered on her side of the fence, it had flowered luxuriantly on the other side.

Just because you cannot see the good result of your labor does not mean that it bore no fruit.
Randy Reynolds

Dump to Dream

dumpIf you’ve fallen under the spell of reality TV’s quick, dramatic transformations of fixer uppers, don’t be fooled into believing that the fairy tale ending is always the case.

Buying a fixer upper is a huge decision that shouldn’t be taken lightly. Here are some considerations to keep in mind if you’re looking at a diamond in the rough:

  1. Pride –If you love taking pride in your work and have the necessary skills, a fixer upper might just be the way to go.
  2. Personality –An older home will give you charm and character and fixing it up means you can add your own personal style.
  3. Inspect the Unexpected –Getting a home inspection is highly recommended so you don’t end up with a structurally flawed money pit.
  4. Getting Your Foot In the Door –Buying a fixer upper can be a great way to get into an area that you may not otherwise have been able to afford.
  5. Strong Foundation –Purchasing a fixer upper with a partner or spouse can put immense pressure on a relationship. The unexpected twists will drain time, money and energy. Living with the mess can also be stressful.
  6. Think Ahead –You may get a great deal but you need to carefully examine whether or not it will be a bargain in the long run. Think like the buyer who will one day purchase your home.

Buying a fixer upper can be an extremely rewarding experience but a lot of work. It is important to carefully examine the various pros and cons.

Refresh Your Carpet

carpetIs it time to make your carpet more inviting?

  1. Remove furniture dents. Run a key or coin over the indentation. The carpet should fluff up again.
  2. Shedding Pets? Spread carpet lightly with a mixture of 1 part fabric softener to 3 parts water. Let dry and vacuum.
  3. Odor eater. Crush dry used tea leaves, sprinkle on carpet. Let sit for 10 minutes to absorb odors. Vacuum.
  4. Goodbye stains. Dampen a clean, white cloth with club soda and blot the area to make a fresh stain disappear fast.
  5. Pooch proof. Once clean, lightly spray the spot with half vinegar and half water mix. He won’t go there again.

Make Small Places Seem Big

chairWishing you had more square footage?

Here are ideas to maximize the space you have.

  1. Let furniture float.Move furniture in from the edge of the room, leaving at least 36 inches of space so people can pass comfortably, and angle the pieces inward to create a cozy spot for conversation.
  2. Cover the territory.Opt for a large rug in place of a small accent rug. Your carpet should extend just under the edge of your furniture.
  3. Expand your horizon.The bigger the mirror, the larger the room will seem. A mirror should take up no more than three quarters of the wall.
  4. Aim high.Whether it is floor lamps or a bookcase, opt for tall pieces. Even rooms with low ceilings can benefit from the height.


Less is more. Know when to say when. Having too many accessories can clutter your space. Stick to a well-edited mix of accents (votives in the same color, say, or throw pillows in the same print) to pull your room together.



Color, it surrounds us, it speaks to us, and it influences our moods.  It is a powerful indicator of our personality and some experts say color can impact us in achieving personal goals.  Therefore, the judicious use of color in our homes should be complementary with our lifestyles and ambitions.

This is a list of attributes associated with various colors.  Although colors have both a positive and negative connotation, for the sake of simplicity, I will focus mainly on the positive qualities and the best use of the color in your home.

BLUE:  may lower blood pressure; may decrease appetite; helps to focus inward.  It is tranquil, calm, peaceful, mysterious.  Not the best choice for kitchens; good for bedrooms, meditation areas.  Can help rooms feel larger and more airy.

RED:  may raise your heart rate; may increase appetite; creates positive energy.  It is sensuous, warm, powerful, joyful.  Good for dining rooms, bedrooms, creative offices, and to stimulate conversation.

GREEN:  harmonious, relaxing, rejuvenating, refreshing.  Good for bedrooms, living rooms, offices.  Can help rooms feel larger and more airy.  Provides a link with nature.

YELLOW:  happy, intelligence, orderly.  Can elevate mental activity; adds cheer.  Good for work areas needing light.  Not best choice for bathrooms, meditation areas.

ORANGE:  high energy, spontaneous, bold.  Best for kitchens, playrooms.  Not a good choice for bedrooms.

PURPLE:  regal, sprituality, dignified, powerful.  Best used sparingly, as in a pop of color.

PINK:  aids in calmness, serenity, and relaxation.  Has a feminine quality.  Avoid using in rooms used by both genders.  Use sparingly.

WHITE:  classic, cleanliness, innocence, godliness.  Wear white at job interview-shows you have nothing to hide.  Avoid white in cold climates, public places where people don’t know each other.  Can be used in contemporary and traditional surroundings.

BLACK:  expresses strength, solidarity, independence, mystery.  It’s a great accent in most rooms.  Avoid large amounts of black.  Not best in children’s rooms, healing areas and reading areas.  Can be used in contemporary and traditional surroundings.

BROWN:  sophisticated, sensual, restful and confident.  Good for bedrooms and living rooms.

For a fun personality & color quiz, try taking the Personal Color Profile at Pratt and Lambert:

For more information on the virtues and symbolism of color:

And to “try” paint in a room, visit the Color Visualizer at Sherwin Williams:

If you are staging your home for sale, understand that neutral, soft colors will appeal to a broader range of buyers then will exciting reds, yellows or pinks.  If you choose to paint the dining room red and the kitchen yellow, you may potentially lose buyers that absolutely want a move-in ready home and cannot live with the color choice (and for some reason can’t or won’t repaint!).  Many professional home stagers recommend neutrals for walls such as: beige, tan, caramel, linen, oyster, ivory and other neutrals for a broader appeal.  You can still have punch and personality through fabrics, wall art, pillows, plants, area rugs and other simple or decorative accessories.

Consumer Newsletter – May 2015

 Consumer Newsletter – May 2015

By Elyse Umlauf-Garneau

Let the purging begin

Turns out your millennial children don’t want your formal dining room set, your fine bone china, or the antiques you’ve been collecting.

They’re also not too attached to mementos — yours or their own childhood trophies, scrapbooks, and artwork.


Many millennials are living compact urban lives, they have their own aesthetic sensibility, and they’re cataloging their memories digitally.

Do your kids a favor. Let the purge begin.

Portrait of Decline

A combination of heartbreak, the unvarnished truth, and humor make Roz Chast’s graphic novel, Can’t We Talk About Something More Pleasant, a compelling read for anyone facing the health decline of an aging loved one.

The New Yorker cartoonist uses her formidable skills to deliver an unflinching look at what that decline really looks like, along with the effect that it all has on the caretaker-child.

Cartoons, drawings, and text convey the guilt, exhaustion, chronic dread, heartbreak, and the hemorrhaging of money associated with caretaking and when adult kids become their parents’ parent.

Interspersed with the depictions of the indignities of extreme old age is a biting, dark humor.

Much of that stems from the chaos Chast faces in her parents’ overstuffed Brooklyn apartment.

There’s the “crazy closet.” It’s jammed with everything from tattered clothing and unusable record players, to ancient luggage and 40-year-old blankets.

Chast discovers a drawer full of old metal jar lids. She photographs what she names her dad’s Museum of old Schick shavers.

And, like so many kids, Chast had neither the energy nor the desire to sift through the stuff. Eventually, she turns to the building’s super and asks him to take care of – dump — virtually everything.

The book imparts numerous lessons. One critical takeaway: Don’t do this to your children.

Listen to an interview with Chast at

Seymour: An Introduction

Actor Ethan Hawke turns his attention to Seymour Bernstein in a documentary, “Seymour: An Introduction” that introduces viewers to an 88-year-old New York pianist who gave up the spotlight as a concert pianist to devote his life to teaching.

The movie ( is sublime.

For one, there’s finally a depiction of a senior who has contributions to make, enduring insights to share, and someone with abundant talent who’s leading a rich, fulfilling life as he ages.

He’s not playing tennis, he’s not living in oh-so-perfect designer digs, and he’s not dining on precious spa salads.

Instead he lives in a messy one-room New York apartment where he works magic.

He teaches tomorrow’s musical superstars and passes on his genius and wisdom.

You see Bernstein giving master classes. You witness his pure joy when he finds the perfect Steinway piano for an upcoming performance.

But it’s not just the music that’s magic in the movie. His philosophy about life, competition, fear, mentoring, and the search for meaning are inspiring.

He says, “Life has conflicts, pleasures, harmony, and dissonance. The same thing occurs in music.”

Bernstein, it seems, has found the perfect way to age – engaged, busy, and steeped in his art. And he’s loved and respected.

Current and former musicians will relate to the bliss that making music brings. Bernstein notes that most people don’t tap the god within and talks about how music can allow us to become one with the stars.

Even if music isn’t your thing, you can find your own way to become one with the stars.

Digital life planning

Good planners get their home, will, and health care power-of-attorney in place. But what about your digital life, particularly Facebook?

Often when people pass away, friends and family “gather” on Facebook to memorialize a loved one.

It’s helpful to have someone who can take charge of the Facebook page and share information and updates.

But if no one knows your password, no one can control your Facebook page. Facebook now allows users to designate a “legacy contact” to manage a user’s Facebook account after death.

Here’s how to designate someone: and


Real Estate Matters:
News & Issues for the Mature Market


REMAX 2000


Melbourne, FL. 32935


Peri Kiros

SRES, FMS, ABR, SFR,  BPOR, CRS, GRI, ePRO, ALHS and Full time Realtor