The Messenger | Issue 1 - 2019

Updated: Jun 9, 2019

Newsletter for the Palm Beach Bath & Tennis Homeowner's Association


Automatic Payment of Maintenance

We have several new homeowners who may not be aware that their maintenance may be auto-paid. All you need to do is fill out this form and send it to the address on the form.

Entering and Exiting the Community

If you are exiting the community and you see someone at the call box who seems to be having trouble, please hesitate after going through the gate. It seems that many people, who are having trouble entering, are entering through the exit gate. If you wait a second until the gate starts to close, that prevents them from going through the gate. We have been fortunate that there haven’t been any accidents yet, but it’s a very unsafe action that some people don’t realize. We would assume that most of the people are guests, so please make sure your guests know that this is an unsafe practice.

Thank you for your cooperation.

Property Taxes

Did you there is a property tax Installment Payment Plan? Participants

make four payments throughout the year. Many find this plan easier on

their budget. The Installment Payment Plan also includes a discount of

slightly under 4 percent. Sign up by April 30 at


DATE:  JANUARY 10, 2019

TIME:  8:15 PM

Present at meeting - newly elected officers:

  • Ed Kelly, President

  • Barbara Krugman, Vice President 

  • Lilliam Janata, Secretary

  • Max Jeria, Treasurer

  • Terry Deich, Director

  • Bill Peckham (Property Manager) was also present

Ed Kelly reported the following:

1.   Spa repairs will begin on January 14th.

2.   Front entrance walls have been painted and work will continue with inside walls.

3.   Comcast has been notified of termination of our contract and our intention to

renegotiate for a new contract.

4.   New garbage cans will be selected by Board of Directors based on Solid Waste

management's new contract and guidelines. More information to follow.

5.   There is a new website

Motion to adjourn meeting by Ed Kelly, second Lilliam Janata

Meeting adjourned at 8:35 PM

Respectfully Submitted by Lilliam Janata, Secretary


New Medicare Cards Coming - Avoid Potential Scams

Changes have come to your Medicare card by April 2019, your card will be

replaced with one that no longer shows your Social Security number.

Instead, your card will have a new Medicare Beneficiary Identifier (MBI)

that will be used for billing and for checking your eligibility and claim status.

And it will all happen automatically--you won’t have to pay anyone or give

anyone information, no matter what someone might tell you. Having your

Social Security number removed from your Medicare card helps fight

medical identity theft and protect your medical and financial information.

3 Ways to Avoid Medicare Scams

  1. Is someone calling, claiming to be from Medicare, and asking for your Social Security number or bank information? Hang up. That’s a scam. First, Medicare won’t call you. Second, Medicare will never ask for your Social Security number or bank information.

  2. Is someone asking you to pay for our new card? That’s a scam. Your New Medicare card is free.

  3. Is someone threatening to cancel your benefits if you don’t give up information or money? Also a scam. New Medicare cards will be mailed out to you automatically.

Credit Card Skimmers at the Gas Pump

Here are tips to help consumers avoid becoming victims:

  • Pay cash inside

  • Check gas pump dispenser cabinet. It should be closed, not tampered with

  • Use gas pump closest to Front of store, thieves often place skimmers at the gas pumps away from the store

  • Use a credit card instead of a debit card. Credit cards have better fraud protection.

  • Monitor bank accounts to spot unauthorized charges

  • If you suspect your credit card has been compromised, report immediately to the credit card company

More Scam Alerts from the Federal Trade Commission

Think You May Have Been Scammed?

  • Seniors Vs. Crime Project is a Florida non-profit organization that operates as a Special Project of the Florida Attorney General’s Office.

  • Since the opening in 2001, local Project Offices have handled more than 39,000 cases, and recovered over $16,000,000 in real dollars plus over $12,000,000 in realized gain for Florida seniors!

  • If you think you may have been scammed contact: Al Payne at Seniors vs. Crime at 561-445-9966 or email You can also visit their Delray Beach location at 15127 Jog Road Kings Point Professional Building, Suite 203 Delray Beach, FL 33446


American Flag Etiquette

Federal law stipulates many aspects of flag etiquette. The section of law dealing

with American Flag etiquette is generally referred to as the Flag Code. Some

general guidelines from the Flag Code answer many of the most common


  • The flag should be lighted at all times, either by sunlight or by an appropriate light source. At night there should be a light shining on the flag.

  • The flag should be flown in fair weather, unless the flag is designed for inclement weather use.

  • The flag should never be dipped to any person or thing. It is flown upside down only as a distress signal.

  • When the flag is lowered, no part of it should touch the ground or any other object; it should be received by waiting hands and arms. To store the flag it should be folded neatly and ceremoniously.

  • When a flag is so worn it is no longer fit to serve as a symbol of our country, it should be destroyed by burning in a dignified manner.

  • VIDEO: US Flag Etiquette and History

This Day in History

  • "The Winter GreenMarket is a Saturday morning destination as an open-air marketplace located at Old School Square Park on NE 2nd Avenue, a half block north of Atlantic Avenue in downtown Delray Beach." Saturday, October 27, 2018 to Saturday, May 4, 2019 from 9:00am - 2:00pm.

  • "Every Friday, enjoy a FREE concert at the Pavilion at Old School Square. With a variety of entertainment options throughout the series, this is a fun Friday event for everyone in Downtown Delray!" Friday, October 5, 2018 to Thursday, January 31, 2019 from 7:30pm - 10:30pm.

  • Find more upcoming events happening in downtown Delray Beach


What You Need To Know When Buying Into A Planned Community

You need approval to do stuff to your house, even if that stuff is going to be an improvement over what it currently looks like. It's not the only potential downside, but there are also plenty of advantages associated with an HOA. And with more than 40 million U.S. households "or 53% of the owner-occupied households in the America" living with an HOA, according to HOA-USA - a number that's on the rise with new construction, of which more than 60% have an HOA - it's something you might have to deal with. Get to know the pros and cons so there won't be any surprises.

Pro: File this under the umbrella of "protecting your investment." Many HOAs have stipulations about how many cars, or what type, can be parked on your property, or even where they can be parked. That can help ensure that the neighbor down the street doesn't turn his lawn into an auto body shop with multiple non-functioning cars up

on blocks.

Con: Looking to park your RV or boat in your driveway? An HOA may nix that idea. Be sure you check ahead of time to make sure this is allowed.

Pro: An HOA decision may not be final. Get a rejection from the HOA on your submitted request to make changes to your landscaping? You can always appeal and state your case.

Con: Deciding to "ask for forgiveness instead of permission" rarely goes well, so, if you decide to go ahead with changes despite not receiving an approval from the HOA, beware: You might be fined.

Pro: Some HOAs take care of things like your front-yard landscaping and trash removal, which means you don't have to pay for it or worry about it.

Con: That also may mean strict restrictions about what you can and can't plant in your front yard. You may have to reconsider those rose bushes.

Pro: You might not have to put in a pool because there's one in the community that you're helping to pay for through your HOA dues, but don't have to maintain.

Con: When the pool needs to be redone, it'll be you and all your

neighbors that are on the hook to pay for it - even if you never use it.

Pro: A pool is just the beginning. Planned communities with an HOA can have golf courses, tennis courts, clubhouses, playgrounds, and even private lakes for fishing and recreation.

Con: The more amenities you have, the more you're likely to pay in HOA dues. In a large masterplan with a couple of pools, a playground, and a tennis court, you can pay as little as $50 per month. The more homes that are added, the more the overall cost is spread out. A more "typical range" is $200–400 per month, said Investopedia, adding that, "The more upscale the building and the more amenities it has, the higher the homeowners' association fees are likely to be." In some condos, the fees may be higher if parking and security are considerations, and, especially, in a luxury building with amenities including a fitness center and concierge. "Hollywood's fancy Sierra Towers condo building, which is filled to the brim with amenities like 24-hour concierge service and valet parking. They charge residents of a 3,400-square-foot condo about $4,000 per month in HOA fees," said

Pro: You've got a built-in mediator. "Involved in a tiff with your neighbor over that big oak tree that's losing limbs? You can settle some confrontations with your neighbors by taking your grievances to the HOA's board or management company," said RISMedia.

Con: Maybe you're the type that wants to "handle" grievances in your

own way?

Pro: Some HOAs allow you to pay monthly, quarterly, or annually.

Con: Falling behind on HOA dues can lead to foreclosure. "This is another reason you'll want to make sure those HOA fees are in your budget," said "An HOA can move to foreclose on your property if you fail to pay its dues and/or associated late fees. Laws

can vary by state. A few, for instance, place limits on when an HOA can move to foreclose. So if you've fallen behind on payments, you may want to consult a local attorney about your best recourse."

Pro: Part of what you'll pay to the HOA every month goes to a reserve fund, which can be used for neighborhood repairs and emergency needs.

Con: The reserves may not be enough to cover large expenses. "In addition to monthly fees, if a major expense such as a new roof or a new elevator comes up and there aren't enough funds in the HOA's reserves to pay for it, the association may charge an extra assessment that can run into thousands of dollars."


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