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YACHT & BOAT
LIFE
OF TOLEDO
Stephanie
SouzaMBA, MSW, LISW, LICDC
 A little bit about me and my
philosophy
 Fun facts:
Behavioral Health & Addiction
Specialties
Cognitive Behavioral Therapy
multi-modal functional approach
Anxiety
Depression
mood and substance abuse
AAdults and Adolescents
(specializes with adolescent girls)
2600 North Reynolds Rd,
Suite 101c
Toledo, Ohio 43615
www.Souzatherapy.com
free phone
consultation
419-460-4318
I truly believe we all do the best we
can with what we have.  I believe
therapy is a team effort and can afford
everyone the opportunity to grow.
I am an avid boater,
I love Dr. Suess,
I am from Boston and
yes I do talk funny.
@SouzaTherapy
Stephanie@souzalisw.onmicrosoft.com
Yacht & Boat Life Of Toledo 2017    1
KellyHetzel-Straub
LicensedRealtorMI&OH
Cell:(419)386-6435
3410BriareldBlvd,SuiteC,Maumee,OH43537
kellyhetzel-straub@howardhanna.com
kellyhetzelstraub.howardhanna.com
luxuryhomesbykellluxuryhomesbykelly.com
JAC LED
Lighting
Providing A Brighter Tomorrow
5251 N. Ann Arbor Road
Dundee, MI 48131
www.jac-led.com
JAC LED Lighting specializes in 
solutions for areas of gas stations,
truck stops, manufacturing plants,
hospitals, warehousing, paint and
body shops, auto repair shops,
refrigeration lighting, food industry,
car dealerships, showrooms,
landscaping, olandscaping, office buildings,
parking garages, parking lots,
municipalities and street lighting.
WE FEATURE AMERICAN MADE LIGHTING PRODUCT
Contact Us Today
PH: 734.823.5533
YACHT & BOAT LIFE
OF TOLEDO
CONTENT
Water Sports Safety: Boating	..................................................Pg. 4
Top 10 Sunblock Tips............................................................Pg. 6-8
Fishing Trip Tips................................................................Pg. 10-11
8 Tips On Organizing Your Home.....................................Pg. 12-13
2017 Superboat International
Race Schedule........................................................................Pg. 16
Buying A Yacht..................................................................Pg. 18-19
How Liability Insurance Reduces Your Risk....................Pg. 20-21
Boats Word Search..................................................................Pg. 23
Yacht Club Directory.........................................................Pg. 24-25
Grilling Salmon.................................................................Pg. 26-28
2017 Event Schedule...............................................................Pg. 32
2   Yacht & Boat Life Of Toledo 2017
Elevator repairs and installations in
Toledo and Surrounding areas. We repair
all makes and models
WeCare@VerticalMobilityToledo.com
419-214-7460
verticalmobilitytoledo.com
Phone: (419) 244-3000
HIRE A TOLEDO, OH ATTORNEY TO HELP
Don't Face Your Day in Court Alone
kendalllegalservices.com
Sylvania, Toledo, Holland, Ottawa Hills
Yacht & Boat Life Of Toledo 2017    3
A larger boat must carry at least one wearable personal flota-
tion device (PFD) for each person aboard and, in addition, a
throw-able PFD.
A larger boat must carry at least one wearable personal flota-
tion device (PFD) for each person aboard and, in addition, a
throw-able PFD. A throw-able PFD can be either a life pre-
server (a doughnut-shaped ring buoy) or a buoyant cushion
(floating pillow). All life preservers must be ready for use and
easily accessible. A small-boat user may find him or herself
in and out of the water frequently, for example, swimming or
diving. In such cases, wearing a PFD is impractical. Howev-
er, a child is more likely to become exhausted by swimming
and must wear a flotation jacket. It should be easy to use
and convenient to wear. A boat must also by law carry a fire
extinguisher of the approved type.
Navigation lights are also required. Closed boats must have
adequate ventilation. A noise-making device, such as a
horn or whistle, must be carried by motorboats over 16 feet
(4.8m). Boat users should always carry plenty of spare, warm
clothing for everyone aboard. Keep the clothing in water-
proof bags tied firmly into the boat. In an emergency , loose
equipment is dangerous. Boat users should wear sneak-
er-type shoes that are designed to give a good grip on wet
surfaces. Never wear rain boots. Good sunglasses should be
worn to prevent eyestrain on sunny days.
Water Sports
Safety: BOATING
4   Yacht & Boat Life Of Toledo 2017
HandyPro of Northwest Ohio provides a one-year
labor guarantee for most jobs completed at your
home unless noted in writing in advance. The
labor for each project is guaranteed to be done
correctly or we will fix it for FREE
(419) 351-3001
free estimate
Stair Lifts
Aluminum Ramps or wood ramps
Wheelchair Accessible Showers
Vertical Platform Lifts
Grab Bars
nwohio.handypro.com
burlingameconstruction@gmail.com.
Yacht & Boat Life Of Toledo 2017    5
TOP TEN
SUNBLOCK TIPS
	 Sunblock is used by many people to help prevent sun-
burn and skin cancer. However, if you do not have the cor-
rect sunblock or use your sunblock incorrectly you will not
prevent sunburn or skin cancer. Using these helpful tips, you
can avoid sunburn and protect yourself against skin caner.
Tip #1 Use Sun Block With A SPF Of 30 Or Higher
SPF 30 provides protection for most of the day. For example
if you get sunburn in 10 minutes, SPF 30 will protect you for
300 minutes. If you use SP 15, you will be protected from the
sun for 150 minutes.
Tip #2 Make Sure To Use A Broad Spectrum Sun Block
Broad-spectrum sun blocks protect both UVA and UVB rays.
UVA rays are present even when there is no sun and can lead
to skin cancers. UVB rays are present when there is sun light
out. People tan with UVB and UVB causes sunburn and also
cancer if the skin in not protected.
Tip #3 Be Sure To Reapply Sun Block Early And Often
Water breaks down sun block even if the product is water-
proof. The sun will also break down your sun block over
time. Reapply sun block at least once every hour if you are
out in a pool. Be sure to use your sunscreen daily.
Tip #4 Be Sure To Apply Sun Block Even If You Are Just
Resting In The Shade Away From Sun Light
This is because UVA rays are present even when there is no
direct sun light.
Tip #5 Be Sure To Avoid Sun Block That Contain Oxyben-
zone
Oxybenzone is a toxic sunscreen that soaks into the skin,
which might be a contributing factor to skin cancer. Instead
look for sunscreen that contains Zinc Oxide or Titanium
oxide.
6   Yacht & Boat Life Of Toledo 2017
6616 Monroe St, Ste
10Sylvania, OH 43560
Ph: (419) 885-3061
jamilynnfox@allstate.com
Sylvania, Toledo
Holland, Ottawa Hills
AREAS SERVED
Agency Achievement Award-2 years
Allstate Leader's Forum-4 years
Circle of Champions-5 years
Inner Circle Elite-6 years
Honor Ring-8 years
JAMILYNN FOX
Sylvania Insurance Agent
Allstate Insurance For
BUSINESS OWNER
HOME OWNER
Tailored
Protection.
Unique to you.
Homeowners, Business owner
Car, Life Insurance Quotes
in Sylvania, OH
I’ve been an Allstate agent for
more than 10 years, and have
been in the insurance industry
for 15 years. I’m a commercially
certified agent, and also specialize
in home, auto and life insurance.
Sylvania is my adopted home, andSylvania is my adopted home, and
I enjoy the wide range of outdoor
activities found in the city and the
entire Toledo area.
Yacht & Boat Life Of Toledo 2017    7
Tip #6 Buy New Sun Screen Every Year
Most sunscreen do not protect as well after 12 months be-
cause the ingredients start to lose the amount of sun protec-
tion that they can give.
Tip #7 Take A Break At Midday
Mid-day or peak sun is also a good time to get out of the sun
and take a break indoors. The sun is strongest at this point.
The sun is strongest between 12:00PM and 3:00PM.
Tip #8 Wear Sun Glasses, Hats And Tight Shirts
Wear UV sunglasses to protect your eyes , hat to protect your
scalp and tight shirt to protect your body from the sun.
Tip #9 Take Special Care When Going To The Beach
Sun block may need to be reapplied more frequently since
the sand and the water reflect the sun creating a stronger
UVB ray. Higher altitudes also gives the sun more intensity.
Tip #10 Be Sure To Drink Plenty Of Water
Water keeps your skin hydrated and improves the protection
of your sun block.
8   Yacht & Boat Life Of Toledo 2017
Toledo Waterfront Property Expert.
If you want to Build, Buy, Rent or Sell on the
Maumee River or Lake Erie, give Rick a call. Call
or e-mail for the current list of properres
available on the water. Boaang since 1965.
Rick Popiolek
CRS, GRI, ABR, e-PRO, CSP
Cell: 419-283-7779
Email: Rick@Danberry.com
Yacht & Boat Life Of Toledo 2017    9
KRISTEN STRUGALSKI, KEY REALTY
You will do better with key!
www.kristenstrugalski.com
(419) 376 - 3321 kstrugalski.keyrealty@gmail.com
Fishing can be a relaxing way to spend your week-
ends. It has been proven that fishing is one of the all-time
treasured experiences of thousands of American families.
However, any sport has its dangerous side and fishing is no
exemption.
	 Majority of fishing equipment have sharp tools such
as metal hooks which may lead to accidents when the fishing
environment unexpectedly changes for the worse.
	 Storms, hurricanes, wild currents, and other mishaps,
could spoil your fishing trip. If you are planning to go on a
fishing expedition with family or friends, here is a list of ur-
gent situations and what preparations you need to face each
scenario.
FISHING TRIP TIPS
10   Yacht & Boat Life Of Toledo 2017
1) Weather – Before packing up your bags and traveling
to you fishing spot, consult or be aware of the weather con-
ditions for the day and the following days. Whether you are
fishing on shores or in a boat, you should be cautious of the
conditions such as flash floods, storm movements and dark-
ening of the skies. When signals such as extreme lightning
strikes, you should head to dry land immediately. Having a
sun-drenched day is not really an “appropriate fishing day.”
You should be aware that spending many hours with ex-
posure to the sun could damage your skin. Be prepared by
bringing sun block to avoid sunburns. You should be aware
of heat sickness symptoms such as nausea, breathing difficul-
ty, lightheaded, and unable to concentrate on tasks. Prepare
a supply of water or liquid beverages to keep hydrated.
2) Sharp fishing equipments – Since fishing in-
cludes many sharp tools, you should always be prepared to
treat injuries by packing disinfectants such as medicated
lotion or spray and hydrogen peroxide. If an incident leads
the skin to bleed, you would need bandages, cotton or paper
towel. Bring your own first aid kit.
3) Tangles – One of the most common fishing hindrances
is wherein your line is caught in anything surrounding your
fishing spot such as trees, logs, etc. Try to get your line or
fishing rod out of the tangle immediately to avoid the prob-
lem that could lead into a major accident. You could either
snap off the branches of the tree or carefully and slowly
remove your line away from where it is tangled.
4) Bait – When you run out of bait, it could spoil your
while fishing trip. Avoid this by splitting up the rest of the
bait into halves, quarters or thirds. The worm, even if divid-
ed, could still move, so the divided worms could still lure
your target fish. Be prepared to face any scenario to keep
your fishing adventure as relaxed as possible. With all these
in mind , you could enjoy your fishing trip safely and suc-
cessfully.
Yacht & Boat Life Of Toledo 2017    11
8 Tips On Organizing
Your HomeBy: Walter Jensen
Here are 8 very useful tips on organizing your home. Taking that
first step is the most important part of organizing your home. So
now let’s get started on step one. This is critical because you can’t
get to where you want to go unless you know what that “where”
looks like. How do you want this room to function? How do you
want to feel when you’re in it? What do you want to do in this
room? What is the real purpose of this room?
Tip #1
Get a pad of paper and pen and walk through each room of your
home and write down what you see. It is important not to be over-
whelmed. Try doing this systematically.
For example, here is what you might see in your home entry way:
shoes, unopened newspapers, mail and circulars that are left at your
door, keys, pet toys, coats, sweaters and more. Now write down
what can be done to eliminate this clutter.
Tip #2- Get into a Routine
Sounds simple doesn’t it - well take it from me it’s one of the hard-
est tasks to do. As a teacher, I have always found this has helped
me “organize” my day at school for lessons planning, staff meetings
and have always found it effective - so, guess what? I now do it for
organizing the home. For example, with the children if they have
left any toys lying around after playing with them I encourage them
to put them away in their “tidy box” or on the shelf.
12   Yacht & Boat Life Of Toledo 2017
Tip #3 - Organize Storage
All things in the home must have a “Home” that’s one of the things
I say to my kids. Why? Because when something is not seen (in the
closet) you can get the False Feeling of it’s all organized. On the shelves
divide up sweaters, blouses, the clothes you wear now. As for racks -
great for shoes.
Tip #4 - Organize your kitchen
Organize you cabinets for plates, Tupperware, guest tableware - sep-
arately if possible, if not, separate shelves. Another great (often over-
looked) storage facility is the “Dishwasher” - storage and “purpose”
rolled into one!
Tip #5 - Organize the Bathrooms
Ideally, if you have the space and children two bathrooms are great.
Make sure that shelves for the toothpaste are just the ‘right’ height for
the children in their bathroom. In addition, keep no make up or any
potentially dangerous articles in the children’s bathroom within reach!
Tip #6 - The master grocery list
It’s been one the greatest time savers in our home. Basically I have a
‘general list’ that includes the ‘basics’ then ‘specifics’ including favorite
items that my children would like in the week and then ‘luxuries’ the
items that we would like but don’t need.
Tip #7 - Organize the Garage
Start out by making piles, for example: Yard tools, hand tools etc. Be-
gin by clearing off the work bench if you have one. You might want to
purchase some storage containers for the things you have in the house
you want to save. Label the containers and stack them in the garage.
You can buy hooks to hang rakes, shovels, hoses, bicycles etc
Tip #8 - Have a garage sale
After you go through the house and garage, you will end up with many
things you no longer want. The most fun way to get rid of these items
is by having a garage sale. You will be amazed at the amount of money
you can possibly earn and what you don’t sell you can give away or
donate.
Yacht & Boat Life Of Toledo 2017    13
Stephanie
SouzaMBA, MSW, LISW, LICDC
 A little bit about me and my
philosophy
 Fun facts:
Behavioral Health & Addiction
Specialties
Cognitive Behavioral Therapy
multi-modal functional approach
Anxiety
Depression
mood and substance abuse
AAdults and Adolescents
(specializes with adolescent girls)
2600 North Reynolds Rd,
Suite 101c
Toledo, Ohio 43615
www.Souzatherapy.com
free phone
consultation
419-460-4318
I truly believe we all do the best we
can with what we have.  I believe
therapy is a team effort and can afford
everyone the opportunity to grow.
I am an avid boater,
I love Dr. Suess,
I am from Boston and
yes I do talk funny.
@SouzaTherapy
Stephanie@souzalisw.onmicrosoft.com
14   Yacht & Boat Life Of Toledo 2017
Seas
The
Day.
Yacht & Boat Life Of Toledo 2017    15
May 19-21	
July 21-23
Aug 4-6
	
	 	
Sept 29-Oct 1
	 	
Nov 5-12	
	
Cocoa Beach, FL
8th Annual Space Coast Super
Boat Grand Prix
Mentor, OH
2nd Annual Mentor Super Boat
Grand Prix
Michigan City, IN
9th Annual Super Boat
Great Lakes Grand Prix
Clearwater, FL
9th Annual Clearwater Super Boat
National Championship
Key West, FL
37th Annual Key West World
Championship
2017 SUPERBOAT INTERNATIONAL
RACE SCHEDULE
16   Yacht & Boat Life Of Toledo 2017
800-932-1890
www.gluckleinsuranceagency.com
David John Gluckle
Phone: 419-887-1383
Proudly serving: Maumee, OH, Sylvania, OH, Toledo, OH, Oregon,
OH, Bowling Green, OH, Perrysburg, OH, and surrounding areas.
Yacht & Boat Life Of Toledo 2017    17
BUYING A YACHT
	 Buying a yacht can be a daunting process. But if you
buy through a broker and know what you want, it will be a
rewarding experience, which will enhance your life for many
years to come.
	 Buying a yacht is a dream of many. It conjures up
images of serenely sailing into the sunshine, free to explore
exciting new places from a yacht with all the mod cons. Own-
ing your own yacht might seem expensive and unachievable.
Buying a brand new luxury yacht is obviously unaffordable
for most people. If you stretch to the top of your budget, you
might not be able to afford training, insurance, fuel, crew
and maintenance. A smaller sailing yacht, however, may be
more affordable than you first thought. Browsing broker’s
websites will give you a rough idea of how much a yacht is
going to cost - some are 100,000. This may seem expensive
at first, but consider the money you will save on holidays,
travel and hotels. And the experience of freedom to explore
the seas at your own pace and from the comfort of your own
surroundings is much more rewarding.
	 If you are interested in buying a yacht you will need
to speak to a broker who will find you a yacht for sale. The
advantage of owning a sailing yacht to a motor yacht is that
sailing yachts rely on a cheaper and more relaxed form of
fuel: the wind. Sailing also allows you to put your true cap-
taining skills to the test.
	 The main types of yachts are day sailing, weekender,
cruising and luxury yachts. Sailing is generally a day-long
act, and sailing yachts often do not have a cabin because of
this. Weekender yachts are under 9.5 meters in length, usu-
ally have a cabin or two and are intended for use for no more
than 3 days. Cruising yachts are larger, usually between 7
and 14 meters long, and are equipped for long journeys. Lux-
ury yachts tend to be over 25 meters long, with even more
space and luxurious finishings.
18   Yacht & Boat Life Of Toledo 2017
The process of finding a yacht for sale begins with the
broker. You should have a rough idea of your budget and
what type of yacht you require before speaking to a yacht
broker. The size of the yacht often depends on your budget,
but remember you may be able to charter your yacht out to
earn some money to cover costs while you are not using it.
	 You are likely to need to speak to a broker to buy your
yacht, particularly if this will be your first. They will share
their expertise into the different types and brands avail-
able, answering any questions which you may have. Decide
on your requirements before talking to a broker. Will you
be spending weeks sailing the world, or sailing the coast of
Britain on the odd day at the weekend? Source a place to
keep your yacht too. Dock-age can be difficult to find in some
areas, so talk to the people at marinas about available space
before you buy your yacht. If you will be chartering your
yacht out think carefully about where you will want to dock
it. Crowds hit the Caribbean each winter and the Mediterra-
nean each summer so this is when you will be able to make
most money chartering your yacht out.
	 You will only truly be able to know if you like the feel
of a boat by spending time on board , and your yacht broker
will explain whether this is a possibility.
Yacht & Boat Life Of Toledo 2017    19
Elevator repairs and installations in
Toledo and Surrounding areas. We repair
all makes and models
WeCare@VerticalMobilityToledo.com
419-214-7460
verticalmobilitytoledo.com
Phone: (419) 244-3000
HIRE A TOLEDO, OH ATTORNEY TO HELP
Don't Face Your Day in Court Alone
kendalllegalservices.com
Sylvania, Toledo, Holland, Ottawa Hills
There are different kinds of liability insurance. These
include Business Liability Insurance, General Liability Insur-
ance, Fleet Insurance, PI Insurance, etc. If you are employ-
ing staff for your business it is mandatory by law to cover
them against any kind of accident or injury at work. In many
instances this may also include self employed contractors. As
an employer it is important that you should have an insur-
ance cover that will pay when the employee gets injured,
killed or falls ill when at work. In most nations across the
globe Employer’s liability insurance is mandatory by law.
Benefits of Employer’s Liability Insurance
In the event any employee suffers from any injury or dies at
work, the employer’s liability insurance will pay the employ-
ee’s family. Having such a kind of insurance policy reduces
the employer’s risk against huge claims from employees. Not
having such a policy is detrimental to your business interests
since accidents are quite frequent and despite all the precau-
tions and safety measures, are unavoidable. In the UK,
HowLiability
Insurance Reduc
esYourRisks
20   Yacht & Boat Life Of Toledo 2017
there are many businesses that are still not covered for under
the Employer’s Liability Insurance. With raising awareness
amongst workers world wide, this can prove very costly for
such businesses.
Arranging for Employer’s Liability Insurance
Employer’s Liability insurance is normally arranged when
applying for business insurance. Quite often, many business
owners do not realize that business insurance incorporates
different types of insurance that is relevant to the business. It
may include: Employer’s Liability Insurance, General Liabil-
ity Insurance, Building Insurance or Property Insurance and
Motor Vehicle Insurance.
Cost of Insurance
The cost of any insurance is based on the claims experience
of the country and also and the perceived risk. This is nor-
mally determined by the insurance companies themselves.
In the United Kingdom, though the minimum insurance to
be held is ÂŁ 5.0 million, it is quite common for companies to
opt for ÂŁ 10 million. Within the same industry, the costs may
vary between employees belonging to different categories.
For instance, the cost of insurance for those working on scaf-
foldings and roof tops is higher when compared to painters
or fitters. Similarly, the cost of insurance for those working
inside an office is lower when compared to those who are
working in the field.
Finally, the Liability Insurance must cover all the employees
in the organization. Some employer’s insurance requires the
exact details about the number of permanent and temporary
employees. In the United Kingdom, the records of the Em-
ployers Liability Insurance should be retained for forty years.
Yacht & Boat Life Of Toledo 2017    21
Toledo Yacht Club
3900 Summit St,
Toledo, OH 43611
Bay View Yacht Club
3902 Summit St,
Toledo, OH 43611
Point Place Boat Club
5911 Edgewater Dr,
Toledo, OH 43611
Harbor-View Yacht Club
2180 Autokee St,
Oregon, OH 43616
Maumee River Yacht Club
2735 Broadway St,
Toledo, OH 43609
Riverview Yacht Club
5981 Edgewater Dr,
Toledo, OH 43611
YACHT CLUB
DIRECTORY
22   Yacht & Boat Life Of Toledo 2017
Yacht & Boat Life Of Toledo 2017    23
Salmon is one of the best types of
fish to do on the grill. Use these
tips and techniques to get great
tasting grilled salmon.
Grilling
Salmon
24   Yacht & Boat Life Of Toledo 2017
3306 Executive Pkwy Ste 101
Toledo, OH 43606
jrauhhomes@aol.com 
P: 419.266.6660
JOAN RAUH, REALTOR
RE/MAX PREFERRED ASSOCIATES
www.remax.com
Salmon is one of the best types of fish to do on the grill, as
it is so versatile. It has a high fat content, which can stand
up to the high heat of the grill.
The trick with salmon is keeping it moist and let it cook in
its own juices. Salmon and fish in general are a nice healthy
alternative to the normal red meat dishes on a barbecue.
Preparation
The fresher the salmon is the better it is for the grill. Your
salmon fillets need to be at least an inch thick as anything
thinner will flake while grilling. When seasoning salmon,
do not over do it. Use basic ingredients: salt, ground pep-
per, and a bit of lemon juice. Do not over marinate salmon,
let it have its own flavor. Don’t leave it in the marinade for
too, ten minutes is plenty of time.
Fish is really soft and the acidic ingredients in a marinate
will eat away at the flesh.
Grilling Salmon
Preheat grill to a medium heat and grease the grill grid well
with olive oil. Salmon tends to stick to the grill very easily.
Avoid flare-ups at all costs; an open flame will burn fish.
Grilling time: eight to ten minutes per side.
An alternative is to wrap the salmon in high duty alumi-
num foil, which prevents the salmon from burning. Lightly
grease rectangle shaped pieces of foil and place salmon in
the foil bringing the ends up to enclose it.
Yacht & Boat Life Of Toledo 2017    25
We’re often asked at Susan G. Komen about the amounts we fund in
research versus other aspects of our work to end breast cancer. We
hope the information below, describing our processes around our
mission funding, is helpful.
Komen’s Comprehensive Approach
Komen has funded more breast cancer research than any other
nonprofit ($889 million to date, second only to the U.S. govern-
ment). But like many health organizations, we’ve known from our
very first days that reducing death from breast cancer requires
a mix of science, education, and direct help to people facing the
disease.
We focused our attention then, as now, on those with the fewest
resources: uninsured, underinsured and low-income women and
men without the resources or capacity to access care. Their need
can be as simple as finding a low-cost screening or as complicated
as support during years of surgery, drug treatments and therapies
for aggressive and metastatic breast cancer.
Imagine having to face a cancer diagnosis without insurance, or
money, or someone by your side. Imagine having to choose to forgo
treatment so that you can pay for child care, or calculating whether
your bus fare to chemotherapy means the family won’t eat today.
Tens of thousands of people live that reality every day, and Komen
programs are there to help them.
Awareness = Education and So Much More, and It Matters
We also hear that we should stop discussing “awareness” of breast
cancer because people are “aware.”
What Pink Makes Possible
Research and More in the Mission to End Breast Cancer
26   Yacht & Boat Life Of Toledo 2017
Yacht & Boat Life Of Toledo 2017    27
But in the communities we work in all across the country, we find
that not everyone is “aware” of breast cancer or educated about the
facts, and some have mistaken beliefs about the disease. A surpris-
ing number believe, for example, that they’re not at risk for breast
cancer because breast cancer doesn’t run in their families (only 5 to
10 percent of breast cancer cases are hereditary)
They believe that under-wire bras or deodorants cause breast can-
cer (they don’t).
Or worse yet, they believe that if they get sick, they will lose their
jobs, or that there is no help for them or their families, so they
hold off seeking medical attention until their tumors are breaking
through the skin. Some believe their disease is matter of fate, and
there are still many for whom the diagnosis of breast cancer is a
source of shame and stigma.
This is why we work in community centers, churches, local clinics
and schools to educate about breast cancer. To make women aware
of the signs and symptoms of breast cancer, and to connect them
with the resources available to them if they need assistance.
Education also includes maintaining the most comprehensive
source of breast cancer information - komen.org - accessed by mil-
lions of people each year, and funding a national toll-free helpline
that provides supports to thousands annually and connects callers
to services they need.
We also print breast cancer materials in 26 languages, pay to train
laypeople to serve as community educators, and fund programs to
establish patient navigation programs and patient navigators who
support patients by finding and linking care providers, helping with
paperwork, sorting through insurance issues, and ensuring patients
follow up with their care.
How We Raise the Funds
Komen raises funds for its mission in two ways: First, through
community events like our Komen Race for the Cure series operat-
ed by our 111 U.S. Affiliates. Our Affiliation agreements in the U.S.
require, and our Affiliates promise local donors, that 75 percent of
the funds raised in our local communities will stay in local commu-
nities for the outreach programs mentioned above and others listed
below.
To determine how those local funds are used, each of our U.S. Affil-
iates develops a detailed community profile that outlines the most
pressing needs for local women, and funds grants that meet those
specific needs.
The remaining 25 percent raised in our communities is contributed
to Komen’s national research program, meaning it is used exclusive-
ly to fund breast cancer research.
None of the funds raised through our grassroots Affiliate Network
supports our national operational overhead expenses. Komen’s
overhead expenses (rent, salaries, utilities) are paid by a portion
of the funds raised through partnerships, direct mail and email
campaigns, sales of merchandise and gifts from donors. Some part-
ners also require us to fund specific research grants or community
outreach programs.
An Impressive Mission Spend
All of these community-based services, plus our research, public
policy advocacy, and global work in 30 countries outside the U.S.
comprise the Komen mission. Komen consistently has spent at
least 80 cents of every dollar on mission programs, including about
20-25 cents, on average, to research.
Metastatic breast cancer research has comprised about 16 percent
of Komen’s overall research spending since we were founded. We’ve
invested $147 million to metastatic research, funding 377 research
grants specifically into metastatic disease. In 2015, about 50 per-
cent of our new research grants are focused on metastatic research,
bringing our number of active metastatic research grants to 60.
28   Yacht & Boat Life Of Toledo 2017
Attorney
	 Kendall Legal Services, Llc...........................................Pg. 17
Counseling
	 Stephanie Souza, Lisw, Licdc, Llc.................................Pg. 14
Divorce Attorney
	 Kendall Legal Services, Llc...........................................Pg. 17
Financial Services
	 Jamilynn Fox Agency......................................................Pg. 7
	 David John Gluckle Insurance Agency..........................Pg. 15
Fire Protection
	 Habitec Security, Inc........................................................Pg. 9
Home Accessibility
	 Burlingame Construction Llc...........................................Pg. 5
Home Automation
	 Habitec Security, Inc........................................................Pg. 9
Home Elevators
	 Vertical Mobility Of Toledo Llc.....................................Pg. 31
Insurance
	 Jamilynn Fox Agency......................................................Pg. 7
	 David John Gluckle Insurance Agency..........................Pg. 15
Led Lighting
	 Jac Led Lighting..............................................................Pg. 1
Outdoor Lighting
	 Jac Led Lighting..............................................................Pg. 1
Luxury Homes
	 Joan Rauh - Re/Max Preferred Associates.....................Pg. 24
Photography
	 Mary Wyar Photography, Llc...........................................Pg. 3
Real Estate
	 Kelly Hetzel-Straub - Howard Hanna..............................Pg. 1
	 Joan Rauh - Re/Max Preferred Associates.....................Pg. 24
	 Rick Popiolek - Danberry Realtors..................................Pg. 8
Relocation
	 Kristen Strugakski - Key Realty......................................Pg. 9
Security
	 Habitec Security, Inc........................................................Pg. 9
Stair Lifts
	 Vertical Mobility Of Toledo Llc....................................Pg. 31
YACHT & BOAT LIFE
OF TOLEDO
INDEX
Yacht & Boat Life Of Toledo 2017    29
Therapy
	 Stephanie Souza, Lisw, Licdc, Llc.................................Pg. 14
Wedding & Events
	 Mary Wyar Photography, Llc...........................................Pg. 3
Wills & Trusts
	 Kendall Legal Services, Llc...........................................Pg. 17
30   Yacht & Boat Life Of Toledo 2017
Elevator repairs and installations in
Toledo and Surrounding areas. We repair
all makes and models
WeCare@VerticalMobilityToledo.com
419-214-7460
verticalmobilitytoledo.com
Phone: (419) 244-3000
HIRE A TOLEDO, OH ATTORNEY TO HELP
Don't Face Your Day in Court Alone
kendalllegalservices.com
Sylvania, Toledo, Holland, Ottawa Hills
Elevator repairs and installations in Toledo and
Surrounding areas. We repair all makes and models
PO Box 351871
Toledo, Ohio 43615
Phone: 419-214-7460
WeCare@VerticalMobilityToledo.com
verticalmobilitytoledo.com
Passenger Elevators
Freight Elevators
Escalators
LULA’s
Dumbwaiters
Wheelchair Lifts
Incline ChairliftsIncline Chairlifts
Manlifts
$100 off
any Service of
$300 or more!
“must mention
this Ad”
Yacht & Boat Life Of Toledo 2017    31
32   Yacht & Boat Life Of Toledo 2017
June 17th
Wine and Canvas (Party, DJ,
Celebration)
Toledo, OH @ Wine and Can-
vas Studio | 7:00 pm - 10:00
pm
July 4th
Starr Spangled 5K (Sports &
Recreation)
Oregon, OH@ Starr Elemen-
tary School | 8:00 am - 11:00
am
July 4th
4th of July Fireworks Cruise
(Holiday Event)
Toledo, OH@ Sandpiper Boat
| 6:00 pm
August 12th
DEEP-Diabetes Empowerment
Education Porgram (Health &
Wellness)
Delta, OH@ Delta Senior Cen-
ter | 10:00 am - 12:00 pm
September 17th
Sunday Brunch @ Brandy-
wine (Food Fairs & Festivals)
Maumee, OH@ Brandywine
Country Club | 10:00 am -
2:00 pm
October 28th
Halloween at Put-in-Bay (Hol-
iday Event)
Put-in-Bay, OH@ Put-in-Bay,
Ohio | 12:00 pm - 2:00 am
November 29th
“Yuletides of Yesteryear” Hol-
iday Lantern Tours (Holiday
Event)
Archbold, OH@ Sauder Village
| 4:00 pm - 8:30 pm
December 25th
Christmas Lunch at The Hunt
Center (Holiday Event)
Toledo, OH@ Margaret Hunt
Senior Center | 11:30 am -
12:30 pm
2017 Toledo Events
32   Yacht & Boat Life Of Toledo 2017
legal
services
Family
Law
Criminal
Defense
Appeals
Kendall Legal Services is an owner-operated firm providing family law
services to the Toledo community. We care about our clients, and are
committed to obtaining the best possible outcomes for them. Kendall
Legal Services can help you with all of your family law matters.
HIRE A TOLEDO, OH ATTORNEY TO HELP
Don't Face Your Day in Court Alone
1709 Spielbusch Ave Suite 110
Toledo, OH 43604
Phone: (419) 244-3000
kendalllegalservices.com
Lifetime publishers group boca raton

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  • 2. Stephanie SouzaMBA, MSW, LISW, LICDC  A little bit about me and my philosophy  Fun facts: Behavioral Health & Addiction Specialties Cognitive Behavioral Therapy multi-modal functional approach Anxiety Depression mood and substance abuse AAdults and Adolescents (specializes with adolescent girls) 2600 North Reynolds Rd, Suite 101c Toledo, Ohio 43615 www.Souzatherapy.com free phone consultation 419-460-4318 I truly believe we all do the best we can with what we have.  I believe therapy is a team effort and can afford everyone the opportunity to grow. I am an avid boater, I love Dr. Suess, I am from Boston and yes I do talk funny. @SouzaTherapy Stephanie@souzalisw.onmicrosoft.com
  • 3. Yacht & Boat Life Of Toledo 2017    1 KellyHetzel-Straub LicensedRealtorMI&OH Cell:(419)386-6435 3410BriareldBlvd,SuiteC,Maumee,OH43537 kellyhetzel-straub@howardhanna.com kellyhetzelstraub.howardhanna.com luxuryhomesbykellluxuryhomesbykelly.com JAC LED Lighting Providing A Brighter Tomorrow 5251 N. Ann Arbor Road Dundee, MI 48131 www.jac-led.com JAC LED Lighting specializes in  solutions for areas of gas stations, truck stops, manufacturing plants, hospitals, warehousing, paint and body shops, auto repair shops, refrigeration lighting, food industry, car dealerships, showrooms, landscaping, olandscaping, office buildings, parking garages, parking lots, municipalities and street lighting. WE FEATURE AMERICAN MADE LIGHTING PRODUCT Contact Us Today PH: 734.823.5533
  • 4. YACHT & BOAT LIFE OF TOLEDO CONTENT Water Sports Safety: Boating ..................................................Pg. 4 Top 10 Sunblock Tips............................................................Pg. 6-8 Fishing Trip Tips................................................................Pg. 10-11 8 Tips On Organizing Your Home.....................................Pg. 12-13 2017 Superboat International Race Schedule........................................................................Pg. 16 Buying A Yacht..................................................................Pg. 18-19 How Liability Insurance Reduces Your Risk....................Pg. 20-21 Boats Word Search..................................................................Pg. 23 Yacht Club Directory.........................................................Pg. 24-25 Grilling Salmon.................................................................Pg. 26-28 2017 Event Schedule...............................................................Pg. 32 2   Yacht & Boat Life Of Toledo 2017 Elevator repairs and installations in Toledo and Surrounding areas. We repair all makes and models WeCare@VerticalMobilityToledo.com 419-214-7460 verticalmobilitytoledo.com Phone: (419) 244-3000 HIRE A TOLEDO, OH ATTORNEY TO HELP Don't Face Your Day in Court Alone kendalllegalservices.com Sylvania, Toledo, Holland, Ottawa Hills
  • 5. Yacht & Boat Life Of Toledo 2017    3
  • 6. A larger boat must carry at least one wearable personal flota- tion device (PFD) for each person aboard and, in addition, a throw-able PFD. A larger boat must carry at least one wearable personal flota- tion device (PFD) for each person aboard and, in addition, a throw-able PFD. A throw-able PFD can be either a life pre- server (a doughnut-shaped ring buoy) or a buoyant cushion (floating pillow). All life preservers must be ready for use and easily accessible. A small-boat user may find him or herself in and out of the water frequently, for example, swimming or diving. In such cases, wearing a PFD is impractical. Howev- er, a child is more likely to become exhausted by swimming and must wear a flotation jacket. It should be easy to use and convenient to wear. A boat must also by law carry a fire extinguisher of the approved type. Navigation lights are also required. Closed boats must have adequate ventilation. A noise-making device, such as a horn or whistle, must be carried by motorboats over 16 feet (4.8m). Boat users should always carry plenty of spare, warm clothing for everyone aboard. Keep the clothing in water- proof bags tied firmly into the boat. In an emergency , loose equipment is dangerous. Boat users should wear sneak- er-type shoes that are designed to give a good grip on wet surfaces. Never wear rain boots. Good sunglasses should be worn to prevent eyestrain on sunny days. Water Sports Safety: BOATING 4   Yacht & Boat Life Of Toledo 2017
  • 7. HandyPro of Northwest Ohio provides a one-year labor guarantee for most jobs completed at your home unless noted in writing in advance. The labor for each project is guaranteed to be done correctly or we will fix it for FREE (419) 351-3001 free estimate Stair Lifts Aluminum Ramps or wood ramps Wheelchair Accessible Showers Vertical Platform Lifts Grab Bars nwohio.handypro.com burlingameconstruction@gmail.com. Yacht & Boat Life Of Toledo 2017    5
  • 8. TOP TEN SUNBLOCK TIPS Sunblock is used by many people to help prevent sun- burn and skin cancer. However, if you do not have the cor- rect sunblock or use your sunblock incorrectly you will not prevent sunburn or skin cancer. Using these helpful tips, you can avoid sunburn and protect yourself against skin caner. Tip #1 Use Sun Block With A SPF Of 30 Or Higher SPF 30 provides protection for most of the day. For example if you get sunburn in 10 minutes, SPF 30 will protect you for 300 minutes. If you use SP 15, you will be protected from the sun for 150 minutes. Tip #2 Make Sure To Use A Broad Spectrum Sun Block Broad-spectrum sun blocks protect both UVA and UVB rays. UVA rays are present even when there is no sun and can lead to skin cancers. UVB rays are present when there is sun light out. People tan with UVB and UVB causes sunburn and also cancer if the skin in not protected. Tip #3 Be Sure To Reapply Sun Block Early And Often Water breaks down sun block even if the product is water- proof. The sun will also break down your sun block over time. Reapply sun block at least once every hour if you are out in a pool. Be sure to use your sunscreen daily. Tip #4 Be Sure To Apply Sun Block Even If You Are Just Resting In The Shade Away From Sun Light This is because UVA rays are present even when there is no direct sun light. Tip #5 Be Sure To Avoid Sun Block That Contain Oxyben- zone Oxybenzone is a toxic sunscreen that soaks into the skin, which might be a contributing factor to skin cancer. Instead look for sunscreen that contains Zinc Oxide or Titanium oxide. 6   Yacht & Boat Life Of Toledo 2017
  • 9. 6616 Monroe St, Ste 10Sylvania, OH 43560 Ph: (419) 885-3061 jamilynnfox@allstate.com Sylvania, Toledo Holland, Ottawa Hills AREAS SERVED Agency Achievement Award-2 years Allstate Leader's Forum-4 years Circle of Champions-5 years Inner Circle Elite-6 years Honor Ring-8 years JAMILYNN FOX Sylvania Insurance Agent Allstate Insurance For BUSINESS OWNER HOME OWNER Tailored Protection. Unique to you. Homeowners, Business owner Car, Life Insurance Quotes in Sylvania, OH I’ve been an Allstate agent for more than 10 years, and have been in the insurance industry for 15 years. I’m a commercially certified agent, and also specialize in home, auto and life insurance. Sylvania is my adopted home, andSylvania is my adopted home, and I enjoy the wide range of outdoor activities found in the city and the entire Toledo area. Yacht & Boat Life Of Toledo 2017    7
  • 10. Tip #6 Buy New Sun Screen Every Year Most sunscreen do not protect as well after 12 months be- cause the ingredients start to lose the amount of sun protec- tion that they can give. Tip #7 Take A Break At Midday Mid-day or peak sun is also a good time to get out of the sun and take a break indoors. The sun is strongest at this point. The sun is strongest between 12:00PM and 3:00PM. Tip #8 Wear Sun Glasses, Hats And Tight Shirts Wear UV sunglasses to protect your eyes , hat to protect your scalp and tight shirt to protect your body from the sun. Tip #9 Take Special Care When Going To The Beach Sun block may need to be reapplied more frequently since the sand and the water reflect the sun creating a stronger UVB ray. Higher altitudes also gives the sun more intensity. Tip #10 Be Sure To Drink Plenty Of Water Water keeps your skin hydrated and improves the protection of your sun block. 8   Yacht & Boat Life Of Toledo 2017 Toledo Waterfront Property Expert. If you want to Build, Buy, Rent or Sell on the Maumee River or Lake Erie, give Rick a call. Call or e-mail for the current list of properres available on the water. Boaang since 1965. Rick Popiolek CRS, GRI, ABR, e-PRO, CSP Cell: 419-283-7779 Email: Rick@Danberry.com
  • 11. Yacht & Boat Life Of Toledo 2017    9 KRISTEN STRUGALSKI, KEY REALTY You will do better with key! www.kristenstrugalski.com (419) 376 - 3321 kstrugalski.keyrealty@gmail.com
  • 12. Fishing can be a relaxing way to spend your week- ends. It has been proven that fishing is one of the all-time treasured experiences of thousands of American families. However, any sport has its dangerous side and fishing is no exemption. Majority of fishing equipment have sharp tools such as metal hooks which may lead to accidents when the fishing environment unexpectedly changes for the worse. Storms, hurricanes, wild currents, and other mishaps, could spoil your fishing trip. If you are planning to go on a fishing expedition with family or friends, here is a list of ur- gent situations and what preparations you need to face each scenario. FISHING TRIP TIPS 10   Yacht & Boat Life Of Toledo 2017
  • 13. 1) Weather – Before packing up your bags and traveling to you fishing spot, consult or be aware of the weather con- ditions for the day and the following days. Whether you are fishing on shores or in a boat, you should be cautious of the conditions such as flash floods, storm movements and dark- ening of the skies. When signals such as extreme lightning strikes, you should head to dry land immediately. Having a sun-drenched day is not really an “appropriate fishing day.” You should be aware that spending many hours with ex- posure to the sun could damage your skin. Be prepared by bringing sun block to avoid sunburns. You should be aware of heat sickness symptoms such as nausea, breathing difficul- ty, lightheaded, and unable to concentrate on tasks. Prepare a supply of water or liquid beverages to keep hydrated. 2) Sharp fishing equipments – Since fishing in- cludes many sharp tools, you should always be prepared to treat injuries by packing disinfectants such as medicated lotion or spray and hydrogen peroxide. If an incident leads the skin to bleed, you would need bandages, cotton or paper towel. Bring your own first aid kit. 3) Tangles – One of the most common fishing hindrances is wherein your line is caught in anything surrounding your fishing spot such as trees, logs, etc. Try to get your line or fishing rod out of the tangle immediately to avoid the prob- lem that could lead into a major accident. You could either snap off the branches of the tree or carefully and slowly remove your line away from where it is tangled. 4) Bait – When you run out of bait, it could spoil your while fishing trip. Avoid this by splitting up the rest of the bait into halves, quarters or thirds. The worm, even if divid- ed, could still move, so the divided worms could still lure your target fish. Be prepared to face any scenario to keep your fishing adventure as relaxed as possible. With all these in mind , you could enjoy your fishing trip safely and suc- cessfully. Yacht & Boat Life Of Toledo 2017    11
  • 14. 8 Tips On Organizing Your HomeBy: Walter Jensen Here are 8 very useful tips on organizing your home. Taking that first step is the most important part of organizing your home. So now let’s get started on step one. This is critical because you can’t get to where you want to go unless you know what that “where” looks like. How do you want this room to function? How do you want to feel when you’re in it? What do you want to do in this room? What is the real purpose of this room? Tip #1 Get a pad of paper and pen and walk through each room of your home and write down what you see. It is important not to be over- whelmed. Try doing this systematically. For example, here is what you might see in your home entry way: shoes, unopened newspapers, mail and circulars that are left at your door, keys, pet toys, coats, sweaters and more. Now write down what can be done to eliminate this clutter. Tip #2- Get into a Routine Sounds simple doesn’t it - well take it from me it’s one of the hard- est tasks to do. As a teacher, I have always found this has helped me “organize” my day at school for lessons planning, staff meetings and have always found it effective - so, guess what? I now do it for organizing the home. For example, with the children if they have left any toys lying around after playing with them I encourage them to put them away in their “tidy box” or on the shelf. 12   Yacht & Boat Life Of Toledo 2017
  • 15. Tip #3 - Organize Storage All things in the home must have a “Home” that’s one of the things I say to my kids. Why? Because when something is not seen (in the closet) you can get the False Feeling of it’s all organized. On the shelves divide up sweaters, blouses, the clothes you wear now. As for racks - great for shoes. Tip #4 - Organize your kitchen Organize you cabinets for plates, Tupperware, guest tableware - sep- arately if possible, if not, separate shelves. Another great (often over- looked) storage facility is the “Dishwasher” - storage and “purpose” rolled into one! Tip #5 - Organize the Bathrooms Ideally, if you have the space and children two bathrooms are great. Make sure that shelves for the toothpaste are just the ‘right’ height for the children in their bathroom. In addition, keep no make up or any potentially dangerous articles in the children’s bathroom within reach! Tip #6 - The master grocery list It’s been one the greatest time savers in our home. Basically I have a ‘general list’ that includes the ‘basics’ then ‘specifics’ including favorite items that my children would like in the week and then ‘luxuries’ the items that we would like but don’t need. Tip #7 - Organize the Garage Start out by making piles, for example: Yard tools, hand tools etc. Be- gin by clearing off the work bench if you have one. You might want to purchase some storage containers for the things you have in the house you want to save. Label the containers and stack them in the garage. You can buy hooks to hang rakes, shovels, hoses, bicycles etc Tip #8 - Have a garage sale After you go through the house and garage, you will end up with many things you no longer want. The most fun way to get rid of these items is by having a garage sale. You will be amazed at the amount of money you can possibly earn and what you don’t sell you can give away or donate. Yacht & Boat Life Of Toledo 2017    13
  • 16. Stephanie SouzaMBA, MSW, LISW, LICDC  A little bit about me and my philosophy  Fun facts: Behavioral Health & Addiction Specialties Cognitive Behavioral Therapy multi-modal functional approach Anxiety Depression mood and substance abuse AAdults and Adolescents (specializes with adolescent girls) 2600 North Reynolds Rd, Suite 101c Toledo, Ohio 43615 www.Souzatherapy.com free phone consultation 419-460-4318 I truly believe we all do the best we can with what we have.  I believe therapy is a team effort and can afford everyone the opportunity to grow. I am an avid boater, I love Dr. Suess, I am from Boston and yes I do talk funny. @SouzaTherapy Stephanie@souzalisw.onmicrosoft.com 14   Yacht & Boat Life Of Toledo 2017
  • 17. Seas The Day. Yacht & Boat Life Of Toledo 2017    15
  • 18. May 19-21 July 21-23 Aug 4-6 Sept 29-Oct 1 Nov 5-12 Cocoa Beach, FL 8th Annual Space Coast Super Boat Grand Prix Mentor, OH 2nd Annual Mentor Super Boat Grand Prix Michigan City, IN 9th Annual Super Boat Great Lakes Grand Prix Clearwater, FL 9th Annual Clearwater Super Boat National Championship Key West, FL 37th Annual Key West World Championship 2017 SUPERBOAT INTERNATIONAL RACE SCHEDULE 16   Yacht & Boat Life Of Toledo 2017
  • 19. 800-932-1890 www.gluckleinsuranceagency.com David John Gluckle Phone: 419-887-1383 Proudly serving: Maumee, OH, Sylvania, OH, Toledo, OH, Oregon, OH, Bowling Green, OH, Perrysburg, OH, and surrounding areas. Yacht & Boat Life Of Toledo 2017    17
  • 20. BUYING A YACHT Buying a yacht can be a daunting process. But if you buy through a broker and know what you want, it will be a rewarding experience, which will enhance your life for many years to come. Buying a yacht is a dream of many. It conjures up images of serenely sailing into the sunshine, free to explore exciting new places from a yacht with all the mod cons. Own- ing your own yacht might seem expensive and unachievable. Buying a brand new luxury yacht is obviously unaffordable for most people. If you stretch to the top of your budget, you might not be able to afford training, insurance, fuel, crew and maintenance. A smaller sailing yacht, however, may be more affordable than you first thought. Browsing broker’s websites will give you a rough idea of how much a yacht is going to cost - some are 100,000. This may seem expensive at first, but consider the money you will save on holidays, travel and hotels. And the experience of freedom to explore the seas at your own pace and from the comfort of your own surroundings is much more rewarding. If you are interested in buying a yacht you will need to speak to a broker who will find you a yacht for sale. The advantage of owning a sailing yacht to a motor yacht is that sailing yachts rely on a cheaper and more relaxed form of fuel: the wind. Sailing also allows you to put your true cap- taining skills to the test. The main types of yachts are day sailing, weekender, cruising and luxury yachts. Sailing is generally a day-long act, and sailing yachts often do not have a cabin because of this. Weekender yachts are under 9.5 meters in length, usu- ally have a cabin or two and are intended for use for no more than 3 days. Cruising yachts are larger, usually between 7 and 14 meters long, and are equipped for long journeys. Lux- ury yachts tend to be over 25 meters long, with even more space and luxurious finishings. 18   Yacht & Boat Life Of Toledo 2017
  • 21. The process of finding a yacht for sale begins with the broker. You should have a rough idea of your budget and what type of yacht you require before speaking to a yacht broker. The size of the yacht often depends on your budget, but remember you may be able to charter your yacht out to earn some money to cover costs while you are not using it. You are likely to need to speak to a broker to buy your yacht, particularly if this will be your first. They will share their expertise into the different types and brands avail- able, answering any questions which you may have. Decide on your requirements before talking to a broker. Will you be spending weeks sailing the world, or sailing the coast of Britain on the odd day at the weekend? Source a place to keep your yacht too. Dock-age can be difficult to find in some areas, so talk to the people at marinas about available space before you buy your yacht. If you will be chartering your yacht out think carefully about where you will want to dock it. Crowds hit the Caribbean each winter and the Mediterra- nean each summer so this is when you will be able to make most money chartering your yacht out. You will only truly be able to know if you like the feel of a boat by spending time on board , and your yacht broker will explain whether this is a possibility. Yacht & Boat Life Of Toledo 2017    19 Elevator repairs and installations in Toledo and Surrounding areas. We repair all makes and models WeCare@VerticalMobilityToledo.com 419-214-7460 verticalmobilitytoledo.com Phone: (419) 244-3000 HIRE A TOLEDO, OH ATTORNEY TO HELP Don't Face Your Day in Court Alone kendalllegalservices.com Sylvania, Toledo, Holland, Ottawa Hills
  • 22. There are different kinds of liability insurance. These include Business Liability Insurance, General Liability Insur- ance, Fleet Insurance, PI Insurance, etc. If you are employ- ing staff for your business it is mandatory by law to cover them against any kind of accident or injury at work. In many instances this may also include self employed contractors. As an employer it is important that you should have an insur- ance cover that will pay when the employee gets injured, killed or falls ill when at work. In most nations across the globe Employer’s liability insurance is mandatory by law. Benefits of Employer’s Liability Insurance In the event any employee suffers from any injury or dies at work, the employer’s liability insurance will pay the employ- ee’s family. Having such a kind of insurance policy reduces the employer’s risk against huge claims from employees. Not having such a policy is detrimental to your business interests since accidents are quite frequent and despite all the precau- tions and safety measures, are unavoidable. In the UK, HowLiability Insurance Reduc esYourRisks 20   Yacht & Boat Life Of Toledo 2017
  • 23. there are many businesses that are still not covered for under the Employer’s Liability Insurance. With raising awareness amongst workers world wide, this can prove very costly for such businesses. Arranging for Employer’s Liability Insurance Employer’s Liability insurance is normally arranged when applying for business insurance. Quite often, many business owners do not realize that business insurance incorporates different types of insurance that is relevant to the business. It may include: Employer’s Liability Insurance, General Liabil- ity Insurance, Building Insurance or Property Insurance and Motor Vehicle Insurance. Cost of Insurance The cost of any insurance is based on the claims experience of the country and also and the perceived risk. This is nor- mally determined by the insurance companies themselves. In the United Kingdom, though the minimum insurance to be held is ÂŁ 5.0 million, it is quite common for companies to opt for ÂŁ 10 million. Within the same industry, the costs may vary between employees belonging to different categories. For instance, the cost of insurance for those working on scaf- foldings and roof tops is higher when compared to painters or fitters. Similarly, the cost of insurance for those working inside an office is lower when compared to those who are working in the field. Finally, the Liability Insurance must cover all the employees in the organization. Some employer’s insurance requires the exact details about the number of permanent and temporary employees. In the United Kingdom, the records of the Em- ployers Liability Insurance should be retained for forty years. Yacht & Boat Life Of Toledo 2017    21
  • 24. Toledo Yacht Club 3900 Summit St, Toledo, OH 43611 Bay View Yacht Club 3902 Summit St, Toledo, OH 43611 Point Place Boat Club 5911 Edgewater Dr, Toledo, OH 43611 Harbor-View Yacht Club 2180 Autokee St, Oregon, OH 43616 Maumee River Yacht Club 2735 Broadway St, Toledo, OH 43609 Riverview Yacht Club 5981 Edgewater Dr, Toledo, OH 43611 YACHT CLUB DIRECTORY 22   Yacht & Boat Life Of Toledo 2017
  • 25. Yacht & Boat Life Of Toledo 2017    23
  • 26. Salmon is one of the best types of fish to do on the grill. Use these tips and techniques to get great tasting grilled salmon. Grilling Salmon 24   Yacht & Boat Life Of Toledo 2017 3306 Executive Pkwy Ste 101 Toledo, OH 43606 jrauhhomes@aol.com  P: 419.266.6660 JOAN RAUH, REALTOR RE/MAX PREFERRED ASSOCIATES www.remax.com
  • 27. Salmon is one of the best types of fish to do on the grill, as it is so versatile. It has a high fat content, which can stand up to the high heat of the grill. The trick with salmon is keeping it moist and let it cook in its own juices. Salmon and fish in general are a nice healthy alternative to the normal red meat dishes on a barbecue. Preparation The fresher the salmon is the better it is for the grill. Your salmon fillets need to be at least an inch thick as anything thinner will flake while grilling. When seasoning salmon, do not over do it. Use basic ingredients: salt, ground pep- per, and a bit of lemon juice. Do not over marinate salmon, let it have its own flavor. Don’t leave it in the marinade for too, ten minutes is plenty of time. Fish is really soft and the acidic ingredients in a marinate will eat away at the flesh. Grilling Salmon Preheat grill to a medium heat and grease the grill grid well with olive oil. Salmon tends to stick to the grill very easily. Avoid flare-ups at all costs; an open flame will burn fish. Grilling time: eight to ten minutes per side. An alternative is to wrap the salmon in high duty alumi- num foil, which prevents the salmon from burning. Lightly grease rectangle shaped pieces of foil and place salmon in the foil bringing the ends up to enclose it. Yacht & Boat Life Of Toledo 2017    25
  • 28. We’re often asked at Susan G. Komen about the amounts we fund in research versus other aspects of our work to end breast cancer. We hope the information below, describing our processes around our mission funding, is helpful. Komen’s Comprehensive Approach Komen has funded more breast cancer research than any other nonprofit ($889 million to date, second only to the U.S. govern- ment). But like many health organizations, we’ve known from our very first days that reducing death from breast cancer requires a mix of science, education, and direct help to people facing the disease. We focused our attention then, as now, on those with the fewest resources: uninsured, underinsured and low-income women and men without the resources or capacity to access care. Their need can be as simple as finding a low-cost screening or as complicated as support during years of surgery, drug treatments and therapies for aggressive and metastatic breast cancer. Imagine having to face a cancer diagnosis without insurance, or money, or someone by your side. Imagine having to choose to forgo treatment so that you can pay for child care, or calculating whether your bus fare to chemotherapy means the family won’t eat today. Tens of thousands of people live that reality every day, and Komen programs are there to help them. Awareness = Education and So Much More, and It Matters We also hear that we should stop discussing “awareness” of breast cancer because people are “aware.” What Pink Makes Possible Research and More in the Mission to End Breast Cancer 26   Yacht & Boat Life Of Toledo 2017
  • 29. Yacht & Boat Life Of Toledo 2017    27 But in the communities we work in all across the country, we find that not everyone is “aware” of breast cancer or educated about the facts, and some have mistaken beliefs about the disease. A surpris- ing number believe, for example, that they’re not at risk for breast cancer because breast cancer doesn’t run in their families (only 5 to 10 percent of breast cancer cases are hereditary) They believe that under-wire bras or deodorants cause breast can- cer (they don’t). Or worse yet, they believe that if they get sick, they will lose their jobs, or that there is no help for them or their families, so they hold off seeking medical attention until their tumors are breaking through the skin. Some believe their disease is matter of fate, and there are still many for whom the diagnosis of breast cancer is a source of shame and stigma. This is why we work in community centers, churches, local clinics and schools to educate about breast cancer. To make women aware of the signs and symptoms of breast cancer, and to connect them with the resources available to them if they need assistance. Education also includes maintaining the most comprehensive source of breast cancer information - komen.org - accessed by mil- lions of people each year, and funding a national toll-free helpline that provides supports to thousands annually and connects callers to services they need. We also print breast cancer materials in 26 languages, pay to train laypeople to serve as community educators, and fund programs to establish patient navigation programs and patient navigators who support patients by finding and linking care providers, helping with paperwork, sorting through insurance issues, and ensuring patients follow up with their care. How We Raise the Funds Komen raises funds for its mission in two ways: First, through
  • 30. community events like our Komen Race for the Cure series operat- ed by our 111 U.S. Affiliates. Our Affiliation agreements in the U.S. require, and our Affiliates promise local donors, that 75 percent of the funds raised in our local communities will stay in local commu- nities for the outreach programs mentioned above and others listed below. To determine how those local funds are used, each of our U.S. Affil- iates develops a detailed community profile that outlines the most pressing needs for local women, and funds grants that meet those specific needs. The remaining 25 percent raised in our communities is contributed to Komen’s national research program, meaning it is used exclusive- ly to fund breast cancer research. None of the funds raised through our grassroots Affiliate Network supports our national operational overhead expenses. Komen’s overhead expenses (rent, salaries, utilities) are paid by a portion of the funds raised through partnerships, direct mail and email campaigns, sales of merchandise and gifts from donors. Some part- ners also require us to fund specific research grants or community outreach programs. An Impressive Mission Spend All of these community-based services, plus our research, public policy advocacy, and global work in 30 countries outside the U.S. comprise the Komen mission. Komen consistently has spent at least 80 cents of every dollar on mission programs, including about 20-25 cents, on average, to research. Metastatic breast cancer research has comprised about 16 percent of Komen’s overall research spending since we were founded. We’ve invested $147 million to metastatic research, funding 377 research grants specifically into metastatic disease. In 2015, about 50 per- cent of our new research grants are focused on metastatic research, bringing our number of active metastatic research grants to 60. 28   Yacht & Boat Life Of Toledo 2017
  • 31. Attorney Kendall Legal Services, Llc...........................................Pg. 17 Counseling Stephanie Souza, Lisw, Licdc, Llc.................................Pg. 14 Divorce Attorney Kendall Legal Services, Llc...........................................Pg. 17 Financial Services Jamilynn Fox Agency......................................................Pg. 7 David John Gluckle Insurance Agency..........................Pg. 15 Fire Protection Habitec Security, Inc........................................................Pg. 9 Home Accessibility Burlingame Construction Llc...........................................Pg. 5 Home Automation Habitec Security, Inc........................................................Pg. 9 Home Elevators Vertical Mobility Of Toledo Llc.....................................Pg. 31 Insurance Jamilynn Fox Agency......................................................Pg. 7 David John Gluckle Insurance Agency..........................Pg. 15 Led Lighting Jac Led Lighting..............................................................Pg. 1 Outdoor Lighting Jac Led Lighting..............................................................Pg. 1 Luxury Homes Joan Rauh - Re/Max Preferred Associates.....................Pg. 24 Photography Mary Wyar Photography, Llc...........................................Pg. 3 Real Estate Kelly Hetzel-Straub - Howard Hanna..............................Pg. 1 Joan Rauh - Re/Max Preferred Associates.....................Pg. 24 Rick Popiolek - Danberry Realtors..................................Pg. 8 Relocation Kristen Strugakski - Key Realty......................................Pg. 9 Security Habitec Security, Inc........................................................Pg. 9 Stair Lifts Vertical Mobility Of Toledo Llc....................................Pg. 31 YACHT & BOAT LIFE OF TOLEDO INDEX Yacht & Boat Life Of Toledo 2017    29
  • 32. Therapy Stephanie Souza, Lisw, Licdc, Llc.................................Pg. 14 Wedding & Events Mary Wyar Photography, Llc...........................................Pg. 3 Wills & Trusts Kendall Legal Services, Llc...........................................Pg. 17 30   Yacht & Boat Life Of Toledo 2017 Elevator repairs and installations in Toledo and Surrounding areas. We repair all makes and models WeCare@VerticalMobilityToledo.com 419-214-7460 verticalmobilitytoledo.com Phone: (419) 244-3000 HIRE A TOLEDO, OH ATTORNEY TO HELP Don't Face Your Day in Court Alone kendalllegalservices.com Sylvania, Toledo, Holland, Ottawa Hills
  • 33. Elevator repairs and installations in Toledo and Surrounding areas. We repair all makes and models PO Box 351871 Toledo, Ohio 43615 Phone: 419-214-7460 WeCare@VerticalMobilityToledo.com verticalmobilitytoledo.com Passenger Elevators Freight Elevators Escalators LULA’s Dumbwaiters Wheelchair Lifts Incline ChairliftsIncline Chairlifts Manlifts $100 off any Service of $300 or more! “must mention this Ad” Yacht & Boat Life Of Toledo 2017    31
  • 34. 32   Yacht & Boat Life Of Toledo 2017 June 17th Wine and Canvas (Party, DJ, Celebration) Toledo, OH @ Wine and Can- vas Studio | 7:00 pm - 10:00 pm July 4th Starr Spangled 5K (Sports & Recreation) Oregon, OH@ Starr Elemen- tary School | 8:00 am - 11:00 am July 4th 4th of July Fireworks Cruise (Holiday Event) Toledo, OH@ Sandpiper Boat | 6:00 pm August 12th DEEP-Diabetes Empowerment Education Porgram (Health & Wellness) Delta, OH@ Delta Senior Cen- ter | 10:00 am - 12:00 pm September 17th Sunday Brunch @ Brandy- wine (Food Fairs & Festivals) Maumee, OH@ Brandywine Country Club | 10:00 am - 2:00 pm October 28th Halloween at Put-in-Bay (Hol- iday Event) Put-in-Bay, OH@ Put-in-Bay, Ohio | 12:00 pm - 2:00 am November 29th “Yuletides of Yesteryear” Hol- iday Lantern Tours (Holiday Event) Archbold, OH@ Sauder Village | 4:00 pm - 8:30 pm December 25th Christmas Lunch at The Hunt Center (Holiday Event) Toledo, OH@ Margaret Hunt Senior Center | 11:30 am - 12:30 pm 2017 Toledo Events 32   Yacht & Boat Life Of Toledo 2017
  • 35. legal services Family Law Criminal Defense Appeals Kendall Legal Services is an owner-operated firm providing family law services to the Toledo community. We care about our clients, and are committed to obtaining the best possible outcomes for them. Kendall Legal Services can help you with all of your family law matters. HIRE A TOLEDO, OH ATTORNEY TO HELP Don't Face Your Day in Court Alone 1709 Spielbusch Ave Suite 110 Toledo, OH 43604 Phone: (419) 244-3000 kendalllegalservices.com