BUSINESS A8 0 U * .1 0 I Io .0 10 I CO (. 0) U-f Happy Birthday Suzanne!!! i61-799-7752,mariemjones@eaarhli/ik.net www.Suzanne24.com/Marie j'UZANNE, a. social networking company founded by Suzanne Somers, 6s one year youngi!Suzanne formed the company for enterprising women ."o have their own small business under heri umbrella of 'exciting and wholesome products. Marie Joones, former teacher and Realtor, is a team leader, -markets, and sells from Suzanne's large collection. Find sparking. jewelry and beauty products to delicious and easy gourmet foods;,even yum desserts with no refined sugarsf You will find an assortment of products and price points .for everyone, including YOU! Marie can be reached at 561-799-7752 Shop financing, trade-in when buying a car W&W ,De-sigps, Inc. Let's Make a Date...For an UPDATEIII N 9089 N. Military Trail, St. 26, Palm Beach Gardens, FL 33410 561-776-5656 ' W&W Designs, Inc. is a full service interior design firm who recently opened a brand new office in Palm Beach Gardens. We have been your "Walls and Windows" specialists in Palm Beach and on the Treasure Coast since 1981. Our expertise includes custom draperies, shades, blinds, verticals, plantation shutters, wallpaper, upholstery, flooring, fine furnishings and bedding. Our designer is happy to consult with you in your home to update, refresh or redesign your interior. From fabric choice, and paint color, through fabrication and installation, our staff will assist you with every detail to create a beautiful home that complements YOU! EARTH, WIND FLOWERS |c Innovative Designer Creates Home Butterfly Gardens Debbie Lee Ridge, Designer 561-779-0030 www.earthwindandflowers@gmail.com Butterflies have long held a mystical place in myths and legend. Psyche's symbol, for example, is the butterfly, a delicate reminder of her transformation from mere human to magical immortal. What better way to transform your own life and living space than with a beautiful, custom-designed butterfly garden, right in your own home? Debbie Lee Ridge is an artist who creates garden masterpieces, Ridge utilizes native flowers, shrubs, plants, vines, herbs, fountains and even live lady bugs, for natural pest control to design a restful and restorative oasis in a client's backyard or by a sparkling pool. "Just about any yard has a place for a butterfly garden," she said. Or, if living space is limited, a butterfly garden can be created in beautiful pots. Ridge also uses unique and decorative pots to create gardens inside and out, integrating design that complements and enhances architecture. Jonathan T's Salon Beauty Trends & Secrets 4517 PGA Blvd., Palm Beach Gardens, FL 33403 561-626-1829 Hair that is full and healthy can give you a polished, individ- ualized look that fits day and evening activities. At JONATHAN T' SALON, our stylists believe that hair design is a creative process based on an understanding of your needs achieved through careful S consultation with you. We provide tips on how to maintain beautiful body and shine in your hair between visits. Do you want .to add full- ness to your hair? We offer partial perms, spiral perms, and spe- cialty perms. Call us at (561) 626-1829 to schedule an appoint- ment, or visit us at 4517 PGA Blvd. to pick up gift certificates. Business hours are Mon., 10-4; Tues., Wed., Thur., 9-9; and Fri., Earl Stewart is the owner and general manager of Earl Stewart Toyota in North Palm Beach. The dealership is located at 1215 N. Federal Highway in Lake Park. Contact him at www.earl- stewarttoyota.com, call (561) 358-1474, fax (561) 658-0746 or e-mail earls@earlstewarttoyota.co m. Editor's note: This column appeared in the June 16, 2006 edition. f you have read my earlier columns, you know how important it is to get several competitive prices from different car dealers on the car you are buying. Equally important is to get at least three prices/bids on your financing and the true value of your trade-in. The absolute worst thing you can do is to tell the dealer "all I care about is keeping my payments under $X per month" and not know the interest rate, terms or products included in the payments. have the lowest finance rates. Even if you don't belong to a credit union, there are several you can join for a nominal fee. You should also get a financing quote from the bank you do business with. Also, give the dealer that you are buying from an opportunity to beat the rates you were quoted. Sometimes he can. When you are taking delivery of your car, you will be asked to consider buying products, such as extended warranties, maintenance plans, road hazard insur- ance, GAP insurance, roadside assistance, credit life insurance, etc. My suggestion is that you : not make snap decisions on these products'at the last minute. You should get complete information on each product and deter- mine if it has value for you. You may have coverage for some insurance products in policies you already own. With extended warranties and maintenance, be sure you understand what is Local Agent Guarantees Home Sale in Tough Florida Real Estate Market What if, when you listed your home for sale, you could receive a guarantee from. the Realtor that your home would be sold? In this real estate market where so many homes are ,languishing with "for S.ale" signson the lawn, some for riore than two' years, Liz Bacall at J;eller' Williams has a program to get homes sold fast and for top "dollar., e i.When I lIist a home, I o ffer the'Sellers guarantee that, if their, home does not sell, I will buy it," Bacall said. Isttiive to be the'kind of Realtor I would want if I were selling and buying" a home." But guaranteeing, the sale of a house? "Yes,'" said Bacall, "Because it enables people to get on with their lives." We all know how it works when' we'want to buy our next home, but the old onehas no, sold. Even though we make an offer, if another iBuyer comes along who has no contingency, we lose. ' Bacall guarantees the sale of the home so that the Seller has a solid offer to purchase their next home. This Guaranteed Sale Program works for new construc- tion home purchases, too. Builders can refer their new home, .buyers to Baall for her to ist- and guar;antee', tih te bl of their old home, and the sale can be completed on time. "I follow, the Realtor Code pf Ethics, so if a Seller has their home listed with another agent, it is not ethical for me to talk with them," Bacall states. "However, if someone's listing has expired and the home is no longer on the market, then :I; .can .work with g them .. . .. 'Whether they, are re- ",listing'b tr listing' forr the first time, I'm delighted to offer my services to anyone who is serious about selling their home." Information about Bacall's program is available 24- hours a day at both a hot- line and a website. Go to www.guaranteedpbg.com or call 1-800-895-1037 and enter #4066. Not intended to solicit property currently for sale. PAID ADVERTORIAL covered and what is not covered and what the deductibles are. You should get at least three bids on the value of your trade-in. You can get some prettygood guidance from Kelly Bluebook, www.kbb.com and www.edmunds.com. Make an appointment to drive your trade-in to show the used car manager at a , dealer that is franchised to sell the make you own. A Chevrolet dealer will likely pay you more for a . Chevrolet trade-in than a Ford dealer. That's because people generally will shop for a used Chevy from a Chevrolet dealer. Get one or two more bids from other dealers in the same make. If you are near a CarMax store, you should take your car there, too. They regularly buy cars like this for their inventory. The price you will be quoted is referred to as the ACV, which stands for "actual cash value." This is the wholesale value of your trade in. Don't confuse the ACV with the trade-in allowance that the dealer you are buying from gives you. The trade-in allowance includes part of the markup on the vehicle you are purchasing. Ytouhave probably read ads saying "Minimum $4,000 allowance on all trades." It's hot hard:.to Offer ' thousands more on a trade- in than its ACV (true Wholesale value) when you mark up the new car several thousand dollars more. Be sure that you explain that want to compare theACV of your trade-in. Tell them you want the markup on the price of the car you are buying discounted, not ' added-On tothe'ACVofyour trade. / .. Remember, however, that if you sell your trade-in to another party, you lose the advantage of deducting the trade-in from the price your sales tax is calculated on. At 6 percent, you would pay an extra $600 in sales tax for a trade-in with a $10,000 ACV With competitive bids on the car you are buying, the interest rate on your financing and your trade-in ACV you are sure to mini- mize the total cost of that new otiused car. Quality Craftmanship in Palm Beach County 561-624-0149 www.qualitybuilder.com Bill Free & Associates has been building in Palm Beach County for over 25 years to meet the growing demand of our specialized hands-on expertise and execution of our client's specific needs. Bill Free & Associates know owners demand a professional experience that meets their needs for design, quality workmanship and trust. Bill Free and Associates strive to satisfy every challenge with a smile and a determined spirit. Our dedication is to provide detailed construction services available at the right price and insure that your home will fulfill your expectations and become the experience you desire. Bill can be reached at 561-624-0149. Beu-/ Ba dsun &. &ay Y Sp Combining quality services in a Relaxing Ambience 3980 Northlake Bvld., Palm Beach Gardens, FL 33403 561-627-6969 www.beaubandys.com At Beau Bandy's whether you come to us for hair, nails or spa services, our first consideration is to preserve the good health and condition of your hair, nails and skin, We are noted for our hair coloring and our highly trained stylists are unsur- passed for the quality of their coloring and cutting. Our caring professional estheticians and massage therapists ensure that every spa service is enjoyable and therapeutic. Our aim is to exceed your expectations. Most of our clients come to us through recommendation and we are proud of our outstanding reputation. Come in and see for yourself why our clients think so highly of us! 561-627-6969 0metown News Modular Home Office Groups L ALL Executive Chairs NOW on SALE from $149! Many Executive & Computer Desks Available DeksaCrdezs- Bocse fic his o*Enterainmntaener Selection o Art Work Filing Cainets e COPL^ter Armires o Mor EARL STEWART On Cars Part of the profit a dealer makes on his cars is called F&I income and averages from $500 to as much as; $2,000 per car sold. You can do your homework and buy your car at a very good price, but by not shopping your financing, you can pay the dealer thousands of dollars in finance profits. Credit unions are often the best source of funds for buying a car. Because they get special tax breaks from the government not avail- able to banks, they usually a BILL FREEB K &iS>'im Vi'fiial :..HUGEFLOOR AMPLE CEARANC ..................M ~ ffl iB^f5, VERYiTHl~^^^^ING MUT GOTN OPE BB^MaHSaBBBBBBBWaBBYEAR'SBE^BBBBBB^~^ 561.615.5640 :a0 tb HOURS: M-F 10-7 Sat 10-6 Sun 12-5 *B~~st a a [iai-a^1[iCSfff~fH g