Page 49 - CFAN_Jul2014

@gritech
Looking for Florida-Friendly Plants? (There’s a
CREATE A SAFETY NET FOR YOUR FAMILY WITH LIFE INSURANCE
Life insurance, for those who qualify, is a powerful tool to help meet a wide range of personal and financial objectives. Most people are familiar with life insurance as a way of providing funds to replace lost income in the event the family “bread winner” passes away. It can also be used to pay off existing liabilities, such as mortgages, and can provide funds for future expenses, such as college costs for children or grandchildren.
Life insurance can also play a significant role in business planning and succession. Banks and other lending institutions may require life insurance on a borrower’s life as collateral for loans. Business owners may also use it to fund buy-sell agreements or to equalize asset transfers to children who do not participate in a family business or farm.
This column is sponsored by The Thornhill Wealth Management Group. Contact us today to learn more about us, how we can partner with you and discuss how a solid plan can help to make you feel more confident about your future. G. Conley Thornhill, CFP®, CIMA®, the Senior Vice President- Wealth Management, or Eric E. Johnson, CFP®, CIMA®, Account Vice President, can be reached at (863) 298-3600 or toll free at (888) 411-5049. Email Conley at conley.thornhill@ubs.com or Eric at eric.e.johnson@ubs.com.
UBS Financial Services Inc.
295 1st Street South, Winter Haven, FL 33880 ubs.com/team/thornhillgroup
by CONLEY THORNHILL
BIO: Conley works with high net worth individuals as well as institutional clients by delivering highly customized wealth man- agement solutions. In addition, in 2010 and 2011 he was selected as one of the Barron's Top 1,000 Advisor's. Conley Thornhill is a CERTIFIED FINANCIAL PLANNERTM practitioner and holds the Certified Investment Management Analyst® designation.
As a firm providing wealth management services to clients, UBS Financial Services, Inc. is registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser and a broker-dealer, offering both investment advisory and brokerage services. Advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. It is important that you carefully read the agreements and disclosures UBS provides to you about the products or services offered. For more information, please visit our website at ubs.com/workingwithus. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and Certified Financial PlannerTM in the U.S. CIMA® is a registered certification mark of the Investment Management Consultants Association, Inc. in the United States of America and worldwide. UBS Financial Services Inc. does not provide legal or tax advice. Any discussion of tax matters contained herein is not intended to be used, and cannot be used or relied upon, by any taxpayer for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any transaction or tax-related matter(s). Clients should consult with their legal and tax advisors regarding their personal circumstances. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.
NEW App for That!)
by JULIE GMITTER
Thanks to a new technological development by the University of Florida’s Institute of Food and Agricultural Sciences (UF/IFAS) and the Florida-Friendly Landscaping program, Florida home owners and garden enthusiasts can now obtain expert gardening tips and advice just by reaching in their pockets and grabbing their smartphones.
For many years, UF/IFAS horticulture experts worked to compile a database of plant care and landscaping information. As a result of their dedicated research, UF/IFAS horticulture experts were able to team up with the Florida-Friendly Landscaping program to develop a new mobile app that will help make difficult planting decisions a breeze. Anyone who owns a device, such as an iPhone, Android, or tablet with web-enabled browsing capabilities, can now download the mobile app. The annual cost for the application is $1.99.
With such a gorgeous and diverse selection of plants available to Florida gardeners, choosing which plants to
Users can simply enter their zip code and find “gardening- zone recommendations for temperature tolerance and watering requirements.”
plant, when to plant, and how to care for their plants can be somewhat overwhelming. This new app, called Flor- ida-Friendly LandscapingTM Plant Guide, provides over 400 Florida-friendly plants, which can be selected by sun tolerance, type, and shape; pictures are also provided for each plant. Tom Wichman, who is Florida’s Master Gardener coordinator and an integral member of the app development team, explains that users can simply enter their zip code and find “gardening-zone recommenda-
FloridaAgNews.com
tions for temperature toler- ance and watering require- ments.” The information that users can access on the app is parallel to the information in the Florida- Friendly LandscapingTM Guide to Plant Selection and Land- scape Design.
Faculty advisor of Florida-Friendly Landscaping and app contributor, Gail Hansen, explains that users can also search for specific plants, including Florida native and non- native plants, short and tall trees and shrubs, vines, ferns, and ornamental plants; they can even narrow their search down to plants with wide or narrow spreading crowns.
The most exciting part of this app for Florida gardeners is that not only is the information credible, but it is completely unbiased. Esen Momol, director of the Florida-Friendly Landscaping program, states, “All the information has been scientifically vetted, so we’re not trying to sell anyone on a particular plant.” The app simply provides sound horticultural information from the UF/IFAS scientists for Florida gardeners.
Claire Lewis from the Florida-Friendly Landscaping Program also explains, “One
of the benefits to the mobile web
application is that as new research
becomes available we can update the
application immediately.” Providing
an extremely user-friendly interface,
adorned with photos of Florida’s most
beautiful examples of natural art, this app could certainly prove to be a landscaper or gardener’s new best friend.
For those interested, you can get the app immediately by following this link: https://ffl.ifas. ufl.edu/plants. Florida-Friendly Landscaping
also provides an easy-to-follow user guide, which explains how to create a new account and navigate
the app: http://ffl.ifas.ufl.edu/pdf/FFL-Plant-Guide_ User-Guide.pdf ag
CFAN | 49
BUTTONBUSH
This Florida-native plant is one of the thousands featured on the new mobile web application! Flammable plant - in wildfire prone ar- eas, plant minimum 30' from buildings; attracts insects; white, spring flow- ers; good for reten- tion ponds/swales/ canal banks; well adapted to dis- turbed soils.