In the financial services industry, as in any business, a reputation for quality service and integrity is earned through hard work and dedication. With more than 13 years of experience actively managing diversified financial portfolios for local and international clients - from South America, Europe, Asia, and the Caribbean - I can help you define your investment plan. I will take the time to understand your unique financial objectives and help you design appropriate portfolios to match growth and income investments consistent with your tolerance for risk. Through clear and frequent communication, I will help keep your portfolio on track toward your specific objectives.

If you would like to make an appointment to discuss your investment needs please contact:

Reserve your space now for Island Life!

Our annual publication is getting ready to go to press and you have until October 30th to place your ad in this fine publication. Fifteen thousand copies of Island Life are distributed throughout the year to all hotels on the island, all homes and dropped off in all condominium lobbies.

Call James Owens today at (305) 361-3333, extension 21, to reserve your spot in this prestigious, full-color magazine.

Saturday Oct. 11 -- Youth Council Elections -- 10am - 2pm

The Youth Council election will be held on Saturday October 11th from 10:00 am-2:00 pm on the Village Green. All kids on the island from the age of 5 to 18 are encouraged to vote. The voting station will be located near the swing-sets on the south side of the park.

There are 7 candidates running for 4 positions. The age limit for being a Youth Council elected official is from 14-18. This year you can become an associate member of the Youth Council by contributing 5 volunteer hours. As an associate member you will receive your volunteer hours required by school and participate in our activities. Associate members can not vote-that is the only difference.

Parents, please encourage your youth to attend the meetings the first and third Monday of each month in the Village Chambers. The meetings begin at 6:30 and usually end by 7:30.

Monday Oct 13 -- Linda B. Steakhouse Lunch Grand Opening

Linda B. Steakhouse announces that they are now serving lunch Monday Through Friday from 12 noon to 2:30pm

Wednesday Oct. 15 -- Arthur Agatston, M.D., author of The South Beach Diet -- noon-2pm

The Key Biscayne Chamber of Commerce Seminar Series presents Arthur Agatston, M.D. as seen on CNN and Good Morning America, and author of the #1 New York Times best selling book The South Beach Diet at a luncheon at the Sonesta Beach Resort featuring delicious recipes from his book. KB Chamber Members $25, Non-Members $30.

Copies of The South Beach Diet will be available for purchase and signing.

For Reservations contact:

Monday October 20 -- Learn English Through Movies -- 1pm

Starting Monday October 20 Key Languages will be offering a new program to learn english through movies. Intermediate level required. Not sure about your level? Call Key Languages for a FREE evaluation.

Starting Monday Oct 13 -- The Pumpkin Patch will have pumpkins for sale through Oct 31.

Friday Oct. 24 -- The Community church will offer an Outdoor Movie in the field on Oct 24 beginning with cartoons at 6:30pm followed by the movie, "Ghostbusters". The KB Youth Council will have refreshments for sale.

Monday Oct. 27 -- Like to sing Christmas music? Join the Community Church Choir for Christmas cantata rehearsals on mondays beginning Oct 27 at 6pm in the sanctuary. All are invited to join us. The cantata will be presented on Dec 7 at 11am.

Monday Oct. 27 -- the Community Church will show (indoors) the movie "Ghost" at 7pm with Whoopi Goldberg and Demi Moore followed by a discussion as part of its monthly "Movie & Discussion" program.

Saturday & Sunday October 25 & 26 -- Monster Splash 2003 -- Two Days of Fright at Miami Seaquarium®

Join Miami Seaquarium for two days of fright at Monster Splash 2003 on Halloween weekend, Saturday, October 25 and Sunday, October 26, from 9:30am to 5pm. A portion of the event proceeds to benefit a charitable organization Voices for Children Foundation, Inc. of South Florida.

Children and their parents will enjoy safe and fun trick-or-treating at Monster Splash 2003. All children in costume will receive 50% off regular admission. Candy stations will be set up around the park for trick-or-treaters in costume. The park will have a DJ with fun games and activities and a costume character show lead by Miami Seaquarium costume characters Flipper Dolphin and Lolita, the Killer Whale.

Miami Seaquarium Monster Splash 2003 celebration will feature Halloween themed marine mammal shows and presentations. Cadaverous creatures will perform at Flipper's Thrills and Chills Show. Follow the yellow brick road to The Wizard of Oz Sea Lion Show. And Spiderman, Wonder Woman and their friends take center stage to save the universe in the Superheroes Killer Whale Show and buccaneers put up a fight at Pirates of the Top Deck Show.

For event information, call (305) 361-5705 ext. 225 or visit www.miamiseaquarium.com

Saturday October 25 -- Trick or Tea at The Ritz-Carlton -- 3 pm

Celebrate "All Hallows Eve" at The Ritz-Carlton, Key Biscayne with a special "Trick or Tea." Ghosts and goblins will serve children and their parents spooky sweets, trick or teas, and sand-witches that are hauntingly perfect for the occasion. Children are encouraged to dress in their Halloween best and participate in The Ritz-Carlton costume contest.

Friday November 21 -- Beaujolais Nouveau at The Ritz-Carlton, Key Biscayne -- 7 p.m. to 9 p.m

From the rolling hills of the Beaujolais region of France to The Ritz-Carlton, Key Biscayne, le Beaujolais Nouveau est arrivé! Be one of the first to taste this vibrant and youthful wine while feasting on French culinary specialties on our oceanfront lawn, all set to the tune of classic French music. Oh la la

Saturday, November 8, 2003 -- Mercy Foundation to host on "Jewel" of a Gala

- Gloria and Emilio Estefan are the Honorary Chairpersons -
- Tiffany's Will Present a Dazzling Display of Jewels

A star-studded guest list, a dazzling display of world-famous Tiffany's jewelry, an auction of rare "millionaire-lifestyle" vacations, and one of the most recognized international hotels, will all come together for a spectacular fundraising event for Mercy Hospital on Saturday, November 8, at the InterContinental Miami.

Guests will experience the exhilaration of dancing to the music of Luis Enrique, known as "The Prince of Salsa."
Concluding the program will be an exciting auction of world-class vacations and other prizes, including trips to Paris, London, Ireland, Alaska, Beaches in Jamaica, San Francisco/Wine Country, Dominican Republic, a Las Vegas weekend at Caesars Palace and concert by Celine Dion, a Tiffany necklace, an autographed Don Shula football in a case, golf packages at Doral Resort and the Ocean Reef Club, and many, many more. The "Jewels" Gala will be held on Saturday, November 8, at 7 PM, at the InterContinental Miami, 100 Chopin Plaza. Reservations are required and tickets can be purchased for $300.

For more information, please call: Mercy Foundation at 305-285-2711.

The Great Pink Flamingo Race retro-scooter winner is Masimo Stanzione. The racing flamingo was an entry from Paula Lopez Jewelry, who will receive one year's free membership from the Key Biscayne Chamber of Commerce. The Community Picnic was great! Please read our President's Thank you letter for more details.

What's Cookin' on the Key -- the Key Biscayne Woman's Club new cookbook featuring some of your favorite recipes is now available at the Key Biscayne Chamber of Commerce for $12.00

Maira Diaz-Giusti has been named the Branch Manager of the Key Biscayne BankUnited, and Market Manager for the Central Miami Market. BankUnited, a South Florida based banking institution, offers an unparalleled level of personal service to complement its full array of commercial and consumer banking products. It is the company's commitment to community banking, backed by the strength of the largest banking institution headquartered in the state, that gives every customer the "best of both worlds" in their choice for a financial services company. Mrs. Giusti is responsible for managing the banking operations of the Key Biscayne Branch and the overall market covering the Brickell and Downtown Miami area. Her main objective is to become an integral part of the Key Biscayne community and be able to provide the best service level in banking while meeting all of the client's financial needs. She is pleased to be part of this great community. Please call Maira if you would like to learn more about BankUnited's financial services, and she welcomes everyone to visit their office in the Square Center. BankUnited FSB is a proud member of The Key Biscayne Chamber of Commerce!

MCM ONE OF FOUR DESIGNATED WINNERS IN FLORIDA -- Miami Children's Museum was awarded $150,000 from the Institute of Museum and Library Services. MCM was one of four designated winners in the state of Florida. The award will be used to expand educational services offered by MCM. Project activities will include technology-infused after school and weekend, fee-based class series that will involve children in fun, educational projects focusing on arts, culture, community and communication; free after school technology club that is designed for children who do not have access to technology resources at home; technology center, which will contain 20 multimedia computer stations for use by children participating in MCM's technology based programming; parent/teacher resource center, which will provide parents, caregivers and teachers with technology-based resources to support the growth and development of their children/students and an enhanced web site by increasing the educational content on the site.

Florida Media Inc. is currently working on the 2004 issue of Florida Fishing & Boating magazine, the official guide to fishing and boating in the state of Florida. We are requesting photos from all over the state of fishing and boating related activities. This includes people fishing (saltwater and freshwater) boating pictures of all kinds, and people with the fish they have caught. Please try to include as much information with the pictures as is available, such as location, waterway, type of water (freshwater or saltwater) where the fish was caught, the type of fish, the size of the fish, the name of the person (if available), date caught and any other information that is relevant. Photos can be mailed to: Amber Billman, Florida Fishing & Boating, 102 Drenned Rd., Suite C-5 or email abillman@floridamagazine.com