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The holidays are upon us and we’ll be looking to save on shopping and finding the best deals. Here are a few websites that are great for helping you save.

Some comparison sites are: DealTime.com, BizRate.com, Shopping.com, PriceGrabber.com, Pronto.com and google.com/shopping

Sites that will help you with bargain hunting are: Dealnews.com, Fatwallet.com, deals.woot.com, Gottadeal.com, and Dodtracker.com Another popular deal site is Slickdeals.net. It features a few deals on its homepage daily, but its forums are where you'll see hundreds of deals posted daily.

Black Friday is November 28, the day after Thanksgiving, retailers will offer incredible deals, find out more at: Blackfriday.com , Dealnews.com/black-Friday/ or  Gottadeal.com/blackfriday/. These sites will offer both confirmed and leaked ads, sometimes before they are even public.

You’ll also score some deals if you shop online Monday, December 1st, Cyber Monday. Retailers everywhere will be offering specials and discounts, check out Cybermonday.com

Plenty of sites offer coupon codes (and printable coupons) for online and brick-and-mortar retailers. The nice thing about these is that you don't have to register to gain access to the coupons. My personal favorite is Retailmenot.com, as they have up-to-date coupons that I use regularly.

CouponCabin.com has more than 110,000 active coupons and deals. Its staff searches merchant sites, forums, blogs, consumer emails and even the Sunday Paper for coupons and updates its listing three times a day. It shows when a coupon expires and when it was last tested, so you know it still works. CouponCabin.com also offers a downloadable toolbar that displays coupons and deals if you visit one of its 2,500 participating merchants online.

CouponWinner.com has more than 27,000 coupons from about 9,000 retailers. What we like about the site is its Coupon Scout tool that lets you compare coupons from up to five retailers. Click on a category, such as women's apparel, and the Coupon Scout tool will appear on the left-hand side of the page.

To truly get in the spirit of giving, consider Alex's Coupons. Not only does the site offer coupon codes for more than 1,200 stores, but also it helps in the fight against childhood cancer. Alex's Coupons has donated more than $20,000 to childhood cancer charities.

Gift-card deals, one way to never pay full price on gift cards is by using these two website: Gift Card Granny Giftcardgranny.com/ and Cashcard.com. They sell merchants' gift cards for less than face value. They'll also buy gift cards you don't want (for 80% to 90% of the card's value).

Buying a discounted gift card to use for your own shopping is a good way to score additional discounts. For example, buy a $100 Gap gift card for $90 (instant $10 savings).

High shipping costs can be a big drawback to shopping online. FreeShipping.org offers free-shipping coupons for more than 3,800 stores, including Amazon.com, Target and Best Buy. Last-minute shoppers don't miss Free Shipping Day December 17. More than 700 merchants already have signed up to participate this year and guarantee Christmas-Eve delivery for all items purchased on Free Shipping Day.

Also remember to protect yourself when shopping, review your credit-card statements regularly, do not shop using public Wi-Fi, and make sure to look for privacy and security seals on retailers' sites, know the return and exchange policies, and check shipping deadlines to ensure your gifts arrive on time.

Many of you may be thinking of making changes to your home in the new year. With that in mind, we've created a guide on some of the areas that need approval from our Architectural Committee. You are required to fill out an ACC form with details on your improvement. The front guard will have this form.

Regency Lakes 2

Landscaping: A survey of your home, which shows location of the new landscaping, along with names of the plants or trees being added or replaced.

Painting: The color samples with Brand and name/number of Color. Samples for roof tiles and driveway color samples required, if replaced.

Hurricane Shutters: Permit required for this improvement. There are only two colors allowed (white or beige).

Gutters: Description and colors are required.

Patio/Screen Enclosures: A survey of your home, which shows location of the patio/screen enclosure, along with names of the plants.

Doors: Description of which doors will be changed, along with description, picture and color.

Windows: Description of which windows, location, along with picture and color.

Fountains: A survey of your home, which shows where fountain will be placed. Please include photo, along with dimensions of the fountain.

Re-surfacing/decorating texture of patio/driveway: A survey of your home showing where this will be done with pictures and sample colors.


Committee Chair Person:

Architectural: Antoinette Palazzolo (954) 571-9305, This email address is being protected from spambots. You need JavaScript enabled to view it.

Landscaping: Marvin Baum (725) 427-4514, This email address is being protected from spambots. You need JavaScript enabled to view it.


Property Manager for Regency Lakes HOA

Virginia joined Campbell Property Management Company in November 2014 and is the new Property Manager for Regency Lakes as well as several of our sub developments. She is originally from the Blue Ridge area of Virginia before moving in 1976 to the downtown coastal area of Lake Worth. Virginia has been a licensed CAM since 1999, managing a variety of condo and homeowner associations in Palm Beach County. Two years ago she moved to Deerfield Beach and loves the new location. Virginia feels her work experience and management style will bring a detailed service oriented approach to working with our Board of Directors and homeowners in Regency Lakes.

Mortgage company Freddie Mac said Thursday the nationwide average for a 30-year mortgage declined to 3.89 percent this week from 3.97 percent last week. It is now at its lowest level since May 2013.Rates are about a half-point lower than at the beginning of the year, when the benchmark 30-year rate stood at 4.53 percent. The average for a 15-year mortgage, a popular choice for people who are refinancing, declined to 3.10 percent from 3.17 percent last week. Mortgage rates have been falling despite the recent end of the Federal Reserve's monthly bond purchases, which were intended to keep long-term interest rates low. An improving economy led the Fed in October to end the program that it launched during the 2008 financial crisis. Fed officials also have indicated that they will continue to hold shorter-term rates at near-zero levels until signs emerge of rising inflation. The Fed's latest survey of business conditions around the U.S., released Wednesday, showed that the economy kept expanding in October and November, helped by solid gains in consumer spending, manufacturing and overall employment. The survey found many areas of strength and, for the first time this year, the report didn't see a need to qualify its summary of growth by using words like "modest" and "moderate." To calculate average mortgage rates, Freddie Mac surveys lenders across the country between Monday andWednesday each week. The average doesn't include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount.The average fee for a 30-year mortgage was unchanged from last week at 0.5 point. The fee for a 15-year mortgage also remained at 0.5 point. The average rate on a five-year adjustable-rate mortgage fell to 2.94 percent from 3.01 percent. The fee was steady at 0.5 point. For a one-year ARM, the average rate declined to 2.41 percent from 2.44 percent. The fee held at 0.4 point. 
Gary & Deborah Meltzer. Realty Associates. Regency Lakes Residence

Have you ever wondered how some people are able to achieve amazing things in their lives? If you had the opportunity to ask the most successful business people in the country the secrets to their success, what would they say? Fortune Magazine published an article about the best advice from America’s CEO’s, here is the summary.


Warren Buffett - Chairman and CEO—Berkshire Hathaway

Advice for young women: “You do the same thing a male will do. You follow your passions. You find something you love. The truth is, so few people really jump on their jobs, you really will stand out more than you think. You will get noticed if you really go for it.”

Mary Bara - CEO—General Motors

Do something you are passionate about, do something you love. If you are doing something you are passionate about, you are just naturally going to succeed, and a lot of other things will happen that you don’t need to worry about. There are so many opportunities and choices that women can make or anyone can make about what they do. Do something you are passionate about. Life is too short.

Marc Andreessen - Co-Founder—Andreessen Horowitz

From Steve Martin, in his amazing book Born Standing Up: "Be so good they can’t ignore you."

Helena Foulkes - Executive Vice President—CVS Caremark Corporation

So I love to run. I like to run long distances. And part of it for me is sort of the joy of feeling the pain and the grit and knowing you have to dig deep. And I think a lot of times making business decisions is like being a marathoner. In other words, you know what the finish line is that you really want to get to but, along the way, it’s not always pure joy. There are really hard moments. But if you keep your eye on the prize, it’s part of what drives you to get there.

Jeffrey Katzenberg - Co-founder—DreamWorks

What’s the best advice you’ve ever received? I saw the movie Spartacus when I was just 10 years old. And from that day on, Kirk Douglas was a hero to me. Thirty years later, I found myself sitting next to him at a charity event. He had just addressed the crowd in a more eloquent, elegant, and passionate way than I had ever heard anyone speak before. I asked him where that passion came from. That is when he said the most important words anyone has ever said to me: “You haven't learned how to live until you've learned how to give.”

What’s the best advice you like to give? I don't think it matters how small or how big the task is, if you can do it just a little bit better than what is expected, you will be noticed and rewarded. At DreamWorks, with every movie we make, we start out with the ambition and the goal to exceed the expectations of our audience. We may not succeed every time, and you may not either, but we sure do try.

Meg Whitman - Chairman, President and CEO—Hewlett-Packard

It helps having run for governor of California—unsuccessfully—because it gives you a very thick skin. But in fact, you’ve got to get people who are up for the challenge. That leads to this notion of enthusiasm, of eagerness, of the willingness to throw yourself into a situation where you may not fully understand the outcome.

Tips for leading a happy and successful career: Be clear what matters most. And what matters most is your family. There are tradeoffs that you will make, but remember, at the end of the day that is probably the most important group of people in your lives, and that has been true for me from day one.

Do something that you love. We spend a lot of time at work. I’ve probably spent 150 hours over the last couple of weeks. And so you have to find something that you love and I think you need to do it with people who you really enjoy. I get tremendous satisfaction from the team—the joy of collaboration from figuring things out together. And so I think teams and the people that you work with are incredibly important.

My advice to young people is if you find yourself in a company where you’re being asked to do something that you don’t think is right or you’re feeling uncomfortable about the leadership and the direction of the company, run, do not walk, for the doors.

Martin Sorrell - CEO—WPP Group

What's the best advice you've ever received? My father told me to find something you enjoy doing, work hard at it and develop a reputation in the field, and then, if you want to start something on your own, go ahead. If you enjoy your work, then it is not work. This goes against current conventional wisdom, which encourages flitting from job to job.

What is the best advice that you like to give? "Get on with it!" Or my motto, "persistence and speed."

Ginni Rometty - Chairman, President and CEO—IBM

Never protect the past. If you never protect the past, I think ... you will be willing to never love [it] so much [that] you wont let it go, either.

Never define yourself as a product and, in fact, I would augment it; never define yourself by your competition, either. If you live and define yourself by your product or competition, you will loose sight of who your customer is.

Steve Collis - President and CEO—AmerisourceBergen

The best advice I have ever received came from my father: “It’s not how you start the race, it’s how you finish it.”

The best advice I can give is well-represented in this quote from Victor Frankl: “Don’t aim at success. The more you aim at it and make it a target, the more you are going to miss it. For success, like happiness, cannot be pursued. It must ensue, and it only does so as the unintended side effect of one’s personal dedication to a cause greater than oneself.”

Indra Nooyi - Chairman and CEO—PepsiCo

Embrace tough assignments. Conventional wisdom suggests that it’s easier to take the path of least resistance by signing up for an easy job, doing it well, and moving on to something bigger. The problem with that theory is that nobody notices when you do an easy job well. It’s far better to challenge yourself by raising your hand for the toughest assignments and work to solve problems that no one else has been able to solve. That’s how you truly become a trusted leader inside an organization.

Never stop learning. Whether you’re an entry level employee fresh out of college or a CEO, you don't know it all. Admitting this is not a sign of weakness. The strongest leaders are those who are lifelong students.

Andrew Liveris - Chairman, President and CEO—Dow Chemical

What’s the best advice you’ve ever received? Very early on in my career, I received the following advice from an older Chinese businessman in Hong Kong: There are three pillars to society: the rule of law, the rule of logic, and the rule of relationships. In the West, these are prioritized as follows: first law, second logic, third relationships. In the East, it's exactly the opposite: first relationships, then logic, then law. All are indispensable. But what's most important is to understand that the starting points are different.

What advice do you like to give? People can be bought with their pockets and they can be stimulated with their brains. But only if you win their hearts will they give you their fullest efforts driven by their passions.

Lloyd Blankfein - Chairman and CEO—Goldman Sachs

My advice is to focus on becoming a complete person. Everyone should focus on the content of his or her job, of course. But work is not the end; it's a means to an end. You owe it to yourself to open up to broader interests. And in the end, it will be better for your career because you will be more interesting and attractive to others.

Melinda Gates - Co-chair—The Bill and Melinda Gates Foundation

It is hard for women who have families to juggle work and career and busy lives.

On the day I die, I want people to think that I was a great mom and a great family member and a great friend. I care about that more than I care about anything else.

One of the things I was most impressed about when Bill and I met Warren Buffett very early on was he introduced us to his friends. And Warren has the most high quality set of friends you could meet, and these are friends that he has had over his lifetime. And it really got me thinking, "wow, I better cultivate my friends."

Warren does little things with his friends, like he will send you an article of something he is thinking about, reading about. That was a way to help me think about my friends.

One more thought: There is a person who helped me in the business community, that’s helped me with some leadership consulting and even management of the foundation. He has two older sons, and when I was really struggling with three young kids—and with the foundation growing and changing CEOs—he just said to me, ‘Melinda, you don’t get a do-over with your kids.’

So, the foundation is a marathon for me, not a sprint. And I always have to remember that, at the end of the day, my kids come first.

Larry Summers - Former U.S. Secretary of Treasury

What’s the best advice you’ve ever received? It's never as good as you think it is when you think it's good. It's never as bad as you think when you think it’s bad. (Told to me by my tennis coach when I was a kid.)

“Not everything can be the Alamo.” —Bob Rubin

What advice do you like to give? Don’t be fungible. Have a distinctive expertise or perspective. And make reversible errors. If you act and regret it, you can't take it back. If you don't act and regret it, you can often act.

Andrés Gluski - President and CEO—The AES Corporation

What’s the best advice you’ve ever received? Great managers turn hard times into opportunities for change. Likewise, generals are proven only in the heat of battle, not on the parade grounds. So, be mentally prepared for challenging times.

What advice do you like to give? Never make an important decision while you are feeling emotional; either too happy, surprised, or angry. Similarly, never make a big decision until you have talked it over with people you trust who are knowledgeable about the matter. Then, be decisive once you have heard them out.

Robert B. Pollock - CEO—Assurant

When I was growing up, I noticed that my mom spent a lot of time on the phone in silence. She’d be on the phone for an hour but would only talk for a few minutes. I asked her why she didn’t talk more, and she said, “You learn the most when your mouth is closed and your ears are open.” She was right.

Francisco D'Souza - CEO—Cognizant

The best advice I received was from my ethics professor at Carnegie Mellon University. After spending a semester teaching us about laws and regulations, he told us that in our careers, we should apply a simple test when making important decisions. “If this were on the front page of the newspaper tomorrow, would your mom and dad be proud of you?” His advice has guided me for over 20 years, whenever I had to make decisions that were not always black and white.

What advice do you like to give? In a world of scarcity, the critical skill is to maximize opportunities. In the new world, where everything is abundant, the critical skill is to make good choices. We will have more opportunities in our lives than we could possibly have time to pursue. So the choices we make have even more significance.

Scott McGregor -President and CEO—Broadcom

It’s called “The front page of the newspaper test,” and it goes something like, “Don't do, say, or write anything you wouldn't want published on...” I suppose it applies equally to the cover of Fortune magazine. Anyway, it's useful advice that has helped guide some of my key decisions over the years—not because it kept me from doing potentially dumb or embarrassing things, but rather because it's a simple reminder that the more complex our business decisions get, the greater the need to be accountable and transparent to our employees, our customers, our partners, and to the communities around the world where we work and live. Have we thought things through from everyone's perspective? Can we explain and defend our decisions in public?

I'm even more fond of the flip-side corollary: A year from now, what's the story I want to see published on the cover of Fortune or the front page of the newspaper? It’s a good motivation for managers to set their goals and to work

hard to achieve them. After all, managing to achieve success is a heck of a lot better than managing to avoid embarrassment. Even so, sometimes I wonder if tomorrow’s business leaders will remember someone advising them, “Don’t post anything on your Facebook page that you wouldn't want your parents to see.”

Michael F. Mahoney -President and CEO—Boston Scientific

The best advice I ever got was from my father. He is a big believer in being true to yourself and others, but also in dreaming big. As a leader, I try to encourage my team to be bold and to embrace calculated risks. At the same time, we should be authentic and grounded in the realities of business today. Good leaders put their teams first and create an environment where employees feel empowered to share ideas and feedback. Invest in your people and they will be invested in your business.

Ken Hicks - Chairman and CEO—Foot Locker

The best advice I received was from my First Sergeant Oliver Hall when I was in the service. “Take care of your people and they will take care of you. More people get fired from below them than above them.”

My advice to all I work with: “Be Honest. Think. Try your hardest. If you do that, that is all I can ask.” And “don’t eat yellow snow.”

Hikmet Ersek - President and CEO—Western Union

Top leaders should put themselves in other people’s shoes and listen. If you listen to people, whether they are from the U.S. or Spain, Bangladesh or Brazil, Mexico or Russia, whether they are rich or poor, white or black, male or female, old or young, they make you grow, they keep you innovative, they keep you active. Do not look at the bottom of the pyramid or emerging markets as a problem to be solved; see it as an opportunity to make a difference, to change the quality of the lives of the underserved by giving them dignity. Nothing is wrong with maximizing shareholder value by serving the underprivileged.

Walt Bettinger - President and CEO—Charles Schwab

The best advice I’ve ever received came in a simple reminder from my late father: “Most things in the world can be bought or sold, but not a reputation. ” With these few words of great wisdom, my father instilled in me a framework for behavior, interactions with others, and decision making that shapes my actions every day. On my desk sits a stone plaque facing every visitor that reads, “Riches are what money cannot purchase and death cannot take away.” It is a constant reminder to genuinely know and live our priorities. Technology advances and a 24-hour business cycle can place demands on us that overwhelm our lives. Remember, work-life balance is a myth. All we have is our priorities. Watch where someone spends their time and sets their priorities and you will know what is truly important to them. My best advice is not simply for others, it also applies to me.

Harold (Max) Messmer - Chairman and CEO—Robert Half

The best advice I ever received and best advice I have given others is to read and learn from the children’s book The Little Engine That Could. It’s a simple tale with a powerful message that applies as much today as ever. When I was a young child my parents read me this book, and they reminded me as I grew to always persevere in achieving my goals, never make excuses, and never listen to naysayers. I love that it gives children the message to not back down from a challenge. What seems insurmountable is achievable with optimism and hard work.

Jen-Hsun Huang - CEO—Nvidia

See the world without bias, like a child. Be curious. Keep learning. Think. But don't over think. The only way to really know is to try. Make mistakes. Learn. Then try again. You can learn from everyone and anyone, but be yourself. Passionately dedicate yourself to your craft. It will give your life meaning. Expect excellence from yourself and those around you. When you believe, amazing things will happen. Pour everything you have into everything you do. Then, success or failure, there will be no regrets because you did your best. I apply these principles every day and they’ve served me well.

F. Michael Ball - CEO—Hospira

The main thing is to keep the main thing the main thing: it’s all about focus on the thing that will make the biggest impact on the business. Don’t be distracted by the little things. In every company I’ve been in, I share this and live by it—it provides insight into what we should work on and what I value. People remember that I say it and, in turn, ensure their people focus on the priorities. Decades ago, a colleague introduced me to a simple concept that has shaped much of my philosophy around people management: Don’t tell it “like it is,” tell it “as it could be.” In most cases, people understand the reality of the situation; the job of the manager is to provide an inspiring view of the future. I have found that people are far more willing to align and “give it all” when they understand the destination, and this drives both the employee and the organization to the best results.

Brad Barron - President and CEO—NuStar Energy

From Judge Oliver Seth, Federal Circuit Judge for the U.S. 10th Circuit Court of Appeals: “You have the rest of your life to become a lawyer. You should take some time to learn to be a human being first.”

Advice I give to job seekers: “Don’t choose your first job based on money. Rather, choose a place to work that fits your values. Ultimately, you will be more successful in a job you love than in one you hate." There’s a well-known quote that sums it up best, "Find a job you love and you will never have to work a day in your life.”

Bill Cobb - CEO—H&R Block

The best advice I ever received is that “risk is your friend.” Most people think of risk as something to avoid, but we should be thinking of it as an opportunity. If you look at history and think about the people who have influenced the world we live in today, they are those who were willing to think boldly, be disruptive, and venture into the unknown. You will fail some of the time, but the outcome will always be the same if you never take the risk.

The best advice I’ve given is to be flexible in your leadership style. Leaders should bring out the best in their people and that means learning to adapt to the situation and how people like to communicate in a team setting. Everyone has their own background and their own way of going about the day-to-day. A good leader knows to exhibit the right style for each person they meet in their daily dealings. Being more in touch with those you manage and understanding how they want to be managed makes all the difference.

Rick Goings - Chairman and CEO—Tupperware Brands

What's the best advice you've ever received?

“The only money that you are ever really worth is the money you earn when you don’t work. So keep your lifestyle below your income and build your passive income pile.” —Jim Dunstan, Darden School of Business at the University of Virginia

What advice do you like to give?

It is both interesting and understandable that our resumes, bios, and even public introductions mostly focus on achievements, awards, and honors. And that’s nice! Yet it is often our failures, flops, and even face plants that are the most vital part of shaping us. These are the things that “make us.”

Mike Pratt - CEO—Guitar Center

I’m a longtime fan of MMA and the UFC. These are more than just fighters, they’re elite athletes with incredible mental discipline and intelligence. For me, there’s no better ambassador for the sport than UFC Champion George St. Pierre. I remember something he said before a big fight a few years ago: “I always train with better wrestlers than me, better boxers than me, better jujitsu guys than me. When you train with people who are better than you, it keeps challenging you. By challenging me it makes me better. It makes you better develop your skills than someone who is always training with the same people over and over again. I have a very good team.”

This quote is more than just a strategic approach to training effectively before a fight, it’s an idea that made a lot of sense to me as a leader as well. I think it’s just as important for me to surround myself with leaders who are smarter than me and with more diverse skill sets than mine. I also try to keep a good balance of leaders on my team; people who have been with the company a long time and smart hires from outside the organization who bring a different approach and experience to the table as well. Building a team with the intellectual horsepower to challenge my own ideas and conventional business thinking is important to me, and it’s had a tremendous impact on my own leadership development over the years.

Hayley Barna - Co-founder and Co-CEO—Birchbox

"Never compare your weaknesses to someone else’s strengths.” This was advice given to my husband during business school and a mantra we always repeat to each other when we are frustrated about how others are able to make things that are hard for us look easy. It reminds me that while comparisons are tempting, especially for competitive, ambitious people, it’s always important to focus on your own special talents. That's how you can make a real impact. And it's the coordination of everyone's unique skills that can make magic happen.


see full artice, http://fortune.com/2014/10/29/ceo-best-advice/




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