Three Reasons I`ll Never Retire
Transcription
Three Reasons I`ll Never Retire
{ Oct – Dec 2011 } Miami-Dade Gay & Lesbian Chamber of Commerce Business Magazine The Retirement Issue Read More Online About Judges Featured Last Edition: GO TO: CLARITYMAG.COM Just a Number {page 6} Planning Ahead {page 9} This Time IS Different {page 10} Three Reasons I’ll Never Retire Are you saving towards retirement? Are you saving enough? Many answer yes to the first question, but aren’t so sure about the second... {continued on page 3} President’s Message Is Your Life in Order {page 10} Closing the Circle {page 11} The Better Prepared {page 12} Donor Recognition Wall With origins in the early 20th century, a donor recognition wall is typically a wall-mounted display found in a centralized location of a hospital, university, museum, library, worship facility, or other non-profit institution... {continued on page 4} On September 24th, MDGLCC’s Symposium on Aging was held to commence a community dialogue relating to this important area of our lives – our future. As kick-off events go, this was spectacular…a sentiment that was echoed by attendees and sponsors, alike. The world has changed, as has the general uncertainty about the future, prospects for retirement, long term care, and how we provide for our parents/partners/friends. This edition is dedicated to continuing the discussion started at the Symposium and, identifying ways to ensure our futures are secure. Steve Adkins ©2011 GREY GOOSE, THE GREY GOOSE BOTTLE DESIGNS AND THE GEESE DEVICES ARE TRADEMARKS AND/OR REGISTERED TRADEMARKS. IMPORTED BY GREY GOOSE IMPORTING COMPANY, CORAL GABLES, FL. VODKA 40% ALC. BY VOL. -DISTILLED FROM GRAIN. T O C E L E B R AT I N G T H E N I G H T O U T Rallying friends and finding a place where everyone can get together is a perfect reason to celebrate with the exceptional taste of GREY GOOSE ® vodka. Visit facebook.com/greygoose for a selection of signature cocktails to order and add even more flavor to your night. FA C E B O O K . C O M / G R E YG O O S E Sip Responsibly. {continued} Three Reasons I’ll Never Retire Are you saving towards retirement? Are you saving enough? Many answer yes to the first question, but aren’t so sure about the second. We put off things that cause us stress or don’t affect us immediately. And for most of us, retirement isn’t an immediate concern. Whether you’re 25 or 45, you should be planning for your retirement. I’ve heard every excuse as to why people don’t have a retirement plan. None of them are good enough reasons not to be saving. 1 I spend everything I make. You aren’t alone. In fact, according to a recent article If these are your excuses… in CNNMoney, the average you’re busted. Here’s American household has nearly what you need to do. $10,700 in credit-card debt. MGMC-0089 Clarity / Dec_Layout 1 9/30/11 3:02 PM Page 2 You can do something about this! Sit down and assess your financial situation. It’s really just simple math. Add up your monthly expenses – the necessities – and subtract from your income. Learn where you’re spending your money. Then add another expense – savings! Make it reasonable, affordable and mandatory. You’ll probably need to adjust your lifestyle, maybe not order that bottle of wine at dinner, but isn’t retirement security worth it? You’ll form good spending habits, but until you assess your situation, you won’t know where to begin. 2 Saturday, December 3 Instituto San Carlos, Key West December 16, 17, 18 Colony Theatre, 1040 Lincoln Road, Miami Beach For more information or to purchase tickets, visit miamigaychorus.org It’s a cruel world. There aren’t any good investments. We’re in a recession. The stock market is a seesaw. The real estate bubble didn’t burst, it exploded. The list goes on…and it makes us wonder if investing makes sense. Why would I invest in stocks when my uncle lost 40% of his life savings? Why would I buy into real estate when my neighbor’s mortgage holder just foreclosed? These are all valid questions. But you have options, and there are free tools available to help you decide what types of investments are a match for you and your goals. Whether it’s mutual funds, equities, bonds or commodities like gold, you need to determine your comfort zone and start. What’s good today might not be tomorrow – it’s important to re-evaluate your strategies on a regular basis. In addition, I recommend looking into the Roth 401(k) and IRA regimes because you’re paying tax on what you put in, not on the growth you take out many years later. It’s too late for me to start. What’s the point? 3 It’s not too late…but if you keep waiting, it will get more difficult. Ten years can make a really big difference – compounding can actually double your savings. READ MORE AT CLARITYMAG.COM OR SCAN THIS WITH YOUR SMARTPHONE Mark Scott Kaufman, Rossin & Co., P.A. T: 305.858.5600 [email protected] 2699 S. Bayshore Drive Miami, FL 33133 www.kaufmanrossin.com MDGLCC MEMBER HOTBOX Introducing Clarity QR Codes You can now quickly connect to Clarity’s interactive site from your mobile device. It’s easy – point your smartphone at them, scan the code with your app, and you will be zipped to more online photos, more online articles, more Clarity. Don’t have a QR Code Reader yet? No problem – download the app for free. SEE. SNAP. VIEW! Oct – Dec ‘11 | CLARITY [3 {continued} Donor Recognition Wall With origins in the early 20th century, a donor recognition wall is typically a wall-mounted display found in a centralized location of a hospital, university, museum, library, worship facility, or other non-profit institution. It consists of a listing of names of persons or companies that contributed funds to a fundraising effort of the organization. The fundamental purpose of a donor recognition wall is to honor the financial contributors of an organization, and to serve as an incentive for potential donors to contribute. It will frequently incorporate a prominent display of the organization’s logo. The donor wall of recognition located on a prominent wall in the LGBT Visitor Center, in the heart of South Beach, honors much more than a financial contribution. It is a tangible piece of granite, or in this case, ceramic tile that honors your being there at a certain time, at a certain place, at a certain “beginning,” in history. Chiseled in one of the granite plaques on the Grande Legacy Wall in the lobbies of both the Ziff Ballet Opera House and the Knight Concert Hall at the Arsht Center for the Performing Arts are these words – The Friends of the Miami-Dade Gay & Lesbian Chamber of Commerce. It recognizes that members of the Gay & Lesbian, Bisexual & Transgender, as well as the Allied community, helped support and Sacramento, California which reads – In Honor of Gay Lesbian Bisexual and Transgender Veterans Killed in Action – that signifies that members of the LGBT community were there, at that time, at that place in history, to help fight for justice and the freedom for all people. HOTBOX About the MiamiDade Gay and Lesbian Chamber of Commerce MDGLCC is the largest not-for-profit corporation in the county for gay and lesbian businesses. With membership on the rise, the Chamber’s mission is to promote a unified and thriving LGBT and LGBT-friendly business and professional community throughout the County. The Chamber’s goals are to promote networking within the existing gay and gay-friendly business and professional community; to promote business opportunities for Chamber members; to promote Miami and Miami Beach as year-round, gay and gayfriendly tourist destinations; to provide resources for our members; and to provide outreach from our community to other organizations. For more information, contact the MDGLCC by calling 305.673.4440, by emailing [email protected], or by visiting www.gogaymiami.com. Fiduciary: A Duty of Utmost Care • Fiduciary responsibilty to act in the client’s best interest. David Treece And that’s what your ceramic tile on the Donor Wall of Recognition located in the LGBT Visitor Center signifies to present and future visitors that you and your company were here, at this Investment Advisor Representative • Fully registered financial advisor. • Independent. • Treece Financial Group is A+ Better Business Bureau rated. • An original founder member of MDLCC with many years of service to the community. build the Arsht Center. That we were there at the “beginning” of something important. The only performing arts center in the world that publicly recognizes the LGBT community in this way. There is also a plaque on the State Capitol grounds in 4] CLARITY | Oct – Dec ‘11 time, at this place, at this new “beginning,” to help support the efforts of the LGBT community. READ MORE AT CLARITYMAG.COM OR SCAN THIS WITH YOUR SMARTPHONE web: We’re on the c ee e.com www.davidtr 9999 NE 2nd Ave., Ste. 203 • Miami Shores • FL 33138 Phone: 305-751-8855 • Fax: 305-751-0068 Securities and Advisory Services offered through Multi-Financial Securities Corporation, member FINRA/SIPC. Treece Financial Group, Inc. is not affiliated with Multi-Financial Securities Corporation. Project STYLE empowers and affords young adults between the ages of 18-24 years old the opportunity to learn more about the nexus between alcohol and other drug use and acquiring HIV/AIDS or other sexually transmitted diseases. The hope is that through Project STYLE people in this age group will receive the information and support needed to make healthier lifestyle choices. To bring these resources to young adults, Project STYLE services will be available at various universities in Miami-Dade county. Free HIV testing will be available on campus as well as free counseling. For more information about our services and how to access them, please visit: www.stylemiami.org Age is so Much More Than Just a Number The current adage that “age is just a number” is a self-serving, realitynumbing piece of pop culture idiocy that we have foisted on ourselves. The sad part is that so many of us buy into this piece of nonsense. What are we doing? It seems we are grabbing onto a feeling of “youth” at any cost simply because we see “youth” as better. But is it really? I believe we are really only glorifying the wrinkle-free, firm-jawed, perky-buttocked “idealized” vision of the youthful body. Is there truly no difference between the mind, heart and spirit of an untried 22-year-old and a fairly seasoned 50-something? You bet your not-soperfect ass there is! By the time we hit our late 40s and start moving through our 50s and 60s we have put some mileage on our vision of life. Life has happened. And, more often than not, it certainly was not the game we planned to play. But we learned (hopefully) to play the cards we were dealt and accept how they have fallen. Living life on life’s terms requires HOTBOX Beyond Investing: Common Factors Affecting Retirement Income guts, some solid experience and, oh please, a sense of humor! The girl or boy that was the love of our life left us or we left them. The beautiful babies that were to complete our family became teenagers. Dear God, what was I thinking? Who are these kids? Can I give them back? READ MORE AT CLARITYMAG.COM OR SCAN THIS WITH YOUR SMARTPHONE The untried dreams of youth became the reality of working harder than we ever thought possible, striving, failing and getting up again — and again. The Robin Korth career we dreamed of and work Insights On Aging towards may have dissolved in our www.insightsonaging.com T: 877.389.7979 hands. Our health or the health 125778 OI Add Clarity 12/7/10 2:43 PM Page 1 [email protected] of a loved one wobbled mightily. MDGLCC MEMBER Tap Into the Power of Marketing Automation Centralize and consolidate all marketing activities into a single vendor and one enterprise-level technological solution. When it comes to planning for your retirement income, it’s easy to overlook some of the common factors that can affect how much you’ll have available to spend. If you don’t consider how your retirement income can be impacted, you may not be able to enjoy the retirement you envision. Solid retirement income planning involves understanding risks and how they can influence your available income in retirement. Investment or market risk is the risk that fluctuations in the securities market may result in the reduction and/or depletion of the value of your retirement savings. If you need to withdraw from your investments to supplement your retirement income, two important factors are the amount of the withdrawals you take and the growth and/or earnings your investments experience. For example, constant withdrawals from your savings combined with prolonged negative market returns can result in the depletion of your savings far sooner than planned. Laura Steckler, WMS Raymond James and Associates 2525 Ponce de Leon Blvd., Suite 600 Coral Gables, FL 33134 T: 305.461.6628 [email protected] www.RaymondJames.com/LauraSteckler MDGLCC MEMBER 6] CLARITY | Oct – Dec ‘11 305.233.1322 www.originalimpressions.com [email protected] • Real-time creative collaboration • Print on demand capabilities • Proprietary Web-based inventory management system • Automated direct mailing and list-making capabilities • Customer reporting and tracking Planning Ahead 3rd Quarter 2011 Recap Business Builders Luncheon @ Soyka Business Builders Luncheon @ Steve Haas City Hall Restaurant Business Builders Luncheon @ Seasons 52 GALLA Luncheon @ Truluck’s Aero Mexico Cancun Trip Dale Carnegie Networking Workshop It’s tough to face the reality of successful, healthy and happy aging. The LGBT community especially puts emphasize on youth. As the first wave of baby boomers hits 65, planning for the future takes on a different feel. Who do we need to take care of and who will take care of us? Organized care planning and management eases the stress and possible trauma of aging incidents. As we age we need to enlist a team of professionals to help design a solid care plan. Necessary professionals include a family law attorney, a financial planner, a medical professional (generalist), CPA, insurance agents and a geriatric care manager. These professionals should specialize in servicing the needs of the LGBT community and they need to stay current with changing laws and products that assist our community with successful aging. Thinking and planning for a variety of aging situations makes it easier for you and your family of choice, biological or legal, to successfully assist you and them. The issues will arise, we all will grow old, we all will need help and will need to give help. But there are no crises when you plan ahead; just solvable situations that have been carefully thought out and planned for. There are no crises, when you plan ahead. Why don’t you start planning now? Vicki Brail, LCSW Vicki Brail & Co. Geriatric & Catastrophic Care Managers T: 305.271.5500 [email protected] www.geriatriccaremiami.com MDGLCC MEMBER Symposium on Aging Sandpiper’s Networker over Cocktails @ Angler’s Networker Spotlight Mixer @ Gansevoort Miami Beach View Photos Online at CLARITYMAG.COM READ MORE AT CLARITYMAG.COM OR SCAN THIS WITH YOUR SMARTPHONE Upcoming Events 4 Quarter 2011 th Business Builders Luncheons (1st Wednesday, 3rd & 4th Thursday of each month) GALLA Luncheons (or) Networker Mixer (mid Wednesday of each month) Sandpiper’s Networker (mid Wednesday of each month) Networker Spotlight Mixer (every other month) Women’s Empowerment Lunch (every other month) HOTBOX Support Our Cultural Arts Members (every other month) “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.” MDGLCC SPECIAL EVENTS OR SUPPORTER MetLife Lunches & MetLife Mixers (every month) SAVE Dade Halloween Party (October 29) Sleepless Night (November 5) “Taste of Miami” Fundraiser (December 11) LGBT Community Toy Drive (December 15) — Albert Einstein Would Have Been a MDGLCC MEMBER WW.GOGAYMIAMI.COM W FOR UPDATES AND DETAILS Oct – Dec ‘11 | CLARITY [9 This Time is Different I have maintained that these economic times and these markets are fundamentally different requiring different retirement strategies. MIT finance professor, Andrew Lo recently wrote in Reuters, in an article called The Madness of Wall Street: “The market we are operating in is markedly different from five years ago. We are seeing extraordinary emotional reactions from central banks, politicians, regulators, and investors. That kind of reaction is not conducive for building long-term wealth.” I agree, but I believe there are conservative options that may have growth potential. I feel that economic turmoil may often create exciting new opportunities. I specialize in retirement planning, and I have been using what I believe are different strategies. Many financial planners I speak with believe in buy and hold and in my opinion that may not be a full appreciation of the risk levels that we may be facing and how things have changed. 10 ] CLARITY | Oct – Dec ‘11 One note on how to choose a retirement planning professional: I feel strongly that you should work with an independent, fully-registered financial advisor. The fiduciary standard of conduct means that a professional always puts a client’s interest first. In general, fiduciary duties include utmost care, integrity, honesty and full disclosure, loyalty, and good faith. These can differ from the “suitability” standards under which most brokers operate. David Treece Treece Financial Group Inc. Investment Advisor Representative 9999 NE 2nd Avenue, Suite 203 Miami Shores, FL 33138 T: 305.751.8855 MDGLCC MEMBER Securities and Advisory Services offered through Multi-Financial Securities Corporation, member FINRA/SIPC. Treece Financial Group, Inc. is not affiliated with Multi-Financial Securities Corporation. HOTBOX Like A Fine Wine Preparing to age is like winemaking. Albeit 30 is the new 20, it’s never too early to begin aging a fine wine. Start by growing grapes. Cultivate a 401k or IRA, make a plan to reduce debt and reap the benefits of a savings. Then cask the fruits of your labor to mature. Get regular checkups, eat healthy and stay active during the fermentation process. Finally, the best part. Enjoy a glass of wine with your friends and family, live, laugh, love but don’t forget it takes a lot of preparation and care to age a fine wine. Scott Bader, Triverden Creative T: 786.309.7542 [email protected] MDGLCC MEMBER Is Your Life in Order? We are all different in every way imaginable but there’s one thing we all have in common. Our time here will have an end and when that day comes the real victims are the people we leave behind. We spend our lives caring for our loves, making sure they’re happy, fed, rested, sheltered, and loved. We do these things because it’s in our nature to protect the ones we love. Yet so many times we fail to take care of one of the most important things simply because of the disagreeable nature of the subject. However, sticking your head in the sand won’t make it go away. End of life planning is one of the most endearing ways we can make sure those left behind are not burdened with the expense of our funeral/ cemetery arrangements. The hundred plus decisions that must be made when a person passes away should be dealt with ahead of time. Most importantly you have a binding, irrevocable contract that voices your wishes, asking they be honored without interference from others such as mothers, fathers, brothers, sisters or other family members. READ MORE AT CLARITYMAG.COM OR SCAN THIS WITH YOUR SMARTPHONE Lou Corlione Graceland Memorial Park MDGLCC MEMBER Closing the Circle: Increased financial and emotional stability plus loads of life experience trumps any and most PhD candidates. Returning to your First Passion They say that an old dog can’t learn new tricks, but nowadays the saying doesn’t ring true for boomers entering retirement age. More and more people are returning to their first passions. Why? Better yet, ask yourself: why not? It just makes sense. Increased financial and emotional stability plus loads of life experience trumps any and most PhD candidates. contemporary art, off the island, in Miami’s hottest art district, the Wynwood Arts District. Originally from the beach town of Santa Marta, he was born with a naturally creative spirit. Although he did not initially pursue his creative streak, he did not stray too far. After leaving the Navy, he This rings especially true for Alberto Linero, the Colombian transplant that is transforming the world of international built a successful construction and interiors business in Miami. Closing the loop at the end of 2010, he finally opened his namesake gallery Alberto Linero Gallery. At the helm of the gallery, he has created a progressive incubator for international talent and introduced new figures to the art world. With a keen eye for beauty, creativity and great art, his installations rotate regularly and complement the architecturally rich 2,000 square-foot space. In the next months, an exciting range of projects include live body painting during Wynwood Art Fair (October 22, 2011 at 5:00 p.m. at Alberto Linero Gallery), a popup exhibit and painting session at Sleepless Night (November 5, 2011 at 6:00 p.m. at The Catalina Hotel, South Beach), and a dynamic group show during Art Basel Miami Beach. Mandy Baca 2294 NW 2nd Avenue Miami, FL 33127 T: 305.587.0172 www.albertolinerogallery.com MDGLCC MEMBER Visit the new things happening at Alberto Linero Gallery today. HOTBOX Cover Story FEATURE: Photographer: Juan Saco Mironof, www.Miami-Gay-Blog.com, 786.597.4088 Chamber Members (L to R): Harvey Burstein and Luis Iglesias along with Vicki Brail & Jeanne Covert Location: Lucky Strike Lanes & Lounge, 1691 Michigan Avenue, Miami Beach This cover of Clarity Business Magazine features four MDGLCC members enjoying a fun & festive time together at one of Miami’s most unique social venues, Lucky Strike (also a member of the Chamber)! Put on your bowling shoes, and check it out too! Juan Saco Mironof, Photographer Oct – Dec ‘11 | CLARITY [ 11 The Better You Prepare, The Better it is! Services Offered: • TMJ Disorders/Headaches • Implants • Invisalign • Sleep Apnea • Facial Treatments • Botox Before you know it, life after your career will begin. Many call this retirement. This article shall discuss three things you can do now to assure your transition into retirement is a smooth one. 1. Understand your pension and savings options: Many who have a pension don’t clearly understand their options upon disability, death or retirement. A “vested” pension is one which is “yours” and cannot be modified or taken away unless there are extraordinary circumstances. Most pensions today provide for a lump sum payment in lieu of monthly benefits. Others provide for early retirement at a reduced value. Yet others may continue to accrue benefits even if you continue working. In terms of your own planning take into account the advice of a trusted financial planner(s) who will look at your finances, health and lifestyle to advise you on how to manage your pension. While the lump sum is appealing it may not be the right option. If you opt for monthly benefits from your pension ASK the plan administrator for proof the pension is insured. In terms of your savings, also work with your advisor to determine how to safely invest your assets and plan to spend them in your later years. Some plans provide for you to take monthly distributions (like a pension) and you can leave your account intact. Others require you to take a lump sum. For many people this may be the largest 12 ] CLARITY | Oct – Dec ‘11 sum of money they have ever had! Be careful and surround yourself with the right advisors. 2. Prepare Advance Directives: Advance Directives consist of three documents that tell others what to do. This section shall review these documents. The Power of Attorney allows another person power over your property and sometimes your healthcare decisions. It is effective when signed by you, so be careful; it is a powerful document. The health care surrogate names another person to act in your stead when you are not able to make decisions about your treatment within the healthcare system. Lastly, the living will is a document that tells your health care surrogate and health care providers what forms of treatment and life support you desire. This is a very important and detailed document; is speaks for you when you cannot speak. Be sure to work with a qualified attorney to prepare these documents. READ MORE AT CLARITYMAG.COM OR SCAN THIS WITH YOUR SMARTPHONE Carla Albano, JD Alternative Home Health Care T: 954.730.0588 www.alternativehomehealth.com MDGLCC MEMBER Keeping you looking good is our job... Showing it off is yours. 757 Arthur Godfrey Rd. Miami Beach, FL 33140 305.672.4444 MiamiBeachDentistry.com Comprehensive exam, cleaning and xrays for only $98, for new patients only. HOTBOX “Without a doubt, the MDGLCC was a critical component of starting my business and its ongoing success. The chamber is well organized and networking events are well thought out and productive.” — Scott Bader, Triverden Creative T: 786.309.7542 HOTBOX Call On Jorge Contact Jorge for any questions or comments you may have on the Chamber and its programs. Jorge Richa Marketing & Programming Director Miami-Dade Gay & Lesbian Chamber of Commerce 1130 Washington Avenue, 1st Floor North Miami Beach, FL 33139 www.gogaymiami.com [email protected] O. 305.673.4440 F. 305.673.8883 C. 786.246.5023 FOR RESERVATIONS PLEASE CALL 800 606 6090 OR VISIT MORGANSHOTELGROUP.COM A MORGANS ORIGINAL. 1901 COLLINS AVENUE MIAMI BEACH FLORIDA 33139 As a community chamber (versus a civic chamber), we encourage both our gay and gay-friendly family to support those who support us. One of the benefits of membership in MDGLCC is the knowledge that a $6 billion local LGBT market searches our roster of members first when making purchase decisions about goods and services. With a list of over 600 companies comprising our membership, more likely than not you will find what you are looking for. Miami-Dade Gay & Lesbian Chamber of Commerce The Voice of LGBT Business & its Allies in Miami-Dade 1130 Washington Avenue 1st Floor North Miami Beach, FL 33139 [email protected] T: 305.673.4440 F: 305.673.8883 As corporate America looks to diversify its revenue stream, the LGBT market is increasingly being looked to for growth. The best way we can make the greatest impact is to speak with our pocketbooks and use Chamber Members whenever possible. The Membership Directory & Resource Guide With the generous support of Bacardi , MDGLCC has printed a directory of all its members. ® Over 25,000 copies will be distributed throughout South Florida. You can obtain a copy at the MDGLCC’s office and LGBT Visitor Center (sponsored by MetLife) located at 1130 Washington Avenue in Miami Beach. This is THE book that the entire community will refer to for its goods, services, lodging, and restaurants. “WHERE TO SHOP, STAY, PLAY IN SOUTH FLORIDA!” Clarity Business Magazine in your virtual world – www.ClarityMag.com Acceptance of articles is based on availability. Organizational Listings Steven N. Adkins President / CEO Michael Aller Board Member Jorge Richa Marketing / Program Director George Neary Board Member Michael Vita Secretary / Treasurer Madeleine Paredes Web Master Now you can access all the same great articles, news and views by Chamber members anywhere, anytime AND forward information to anyone. Access made easy. Spread the word and find even more clarity. Contact Joe Robertson, [email protected], to find out about incredible new online advertising opportunities combined with traditional print media. It provides the best of all worlds! Need Meeting Space? Consider the Michael Aller – “Mr. Miami Beach” – Community Conference Room, located in the NEW LGBT Visitor Center (sponsored by MetLife), 1130 Washington Avenue, Miami Beach, in the heart of South Beach. MDGLCC members receive first hour free with additional rental rates negotiated. CLARITY | Oct – Dec ‘11 Joe Robertson, EDITOR Clarity Business Magazine & ClarityMag.com [email protected] Tana Martin Llinás, DESIGNER Clarity Business Magazine & ClarityMag.com Looking for a comfortable, safe place to hold your next board meeting, business meeting, whatever meeting? Please call the Visitor Center – 305.397.8914 – for rental information and availability. 14 ] Stivaly Arenas FIU Student Intern PEFC LOGO Clarity Business Magazine is a quarterly publication of the MDGLCC. Each issue has a theme with a feature article, as well as subsequent information relevant to current interests and activities. Content is provided by members with the unique perspective of the community. ExtrEmE Virtuosity
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