When the latest layoff story is about you

It’s an odd feeling reading in the newspaper about losing your job. I didn’t learn about being fired in the newspaper but the story of losing my position was there. Why I lost my job (along with more than a dozen of my colleagues) was the lead story in the business section of The Miami Herald on Feb. 22. It even had a picture of me right next to the paragraph describing how we lost our jobs with the public television program Nightly Business Report.

What’s nice about sharing your employment woes with the entire community is the outpouring of support you get. I received dozens of emails from friends, fans and colleagues across the country, expressing sympathy and pledging to help any way they could. It is humbling to hear how you have impacted people’s lives, especially those you don’t know directly. The range of emotions you feel when you face a job loss can be overwhelming, but a short email or voicemail from an associate can lift your spirits, giving you the strength to press on. The medium of the messages does not matter. A tweet of support, LinkedIn endorsement or text message of sympathy fuels the encouragement to face the anxiety of joblessness.

After news of my job elimination was in the newspaper and blogosphere, there were compassionate glances from fellow parents on the sidelines of the kids’ weekend soccer games. I didn’t have to break the news — most had already read about it. A pedestrian on the sidewalk stopped me in mid-stride to express his disappointment. The inevitable questions came: What are you going to do? Will you stay? Do you have anything you’re working on?

I am lucky my employment status was on the business front page. Thousands of other people are treated as statistics. As a business journalist, I have been guilty of that. Company layoffs numbering in the dozens as ours did rarely demand attention. The cuts have to be in the thousands to have any hope of getting much media attention. Even then, it’s only a number. The names of those losing their jobs are known only to their HR departments, in order to fill out the paperwork. It’s unfortunate, but that’s the nature of job loss. Each job cut is a story that begins en masse in boardrooms and offices but plays out individually in kitchens and living rooms across America.

In January, there were more than 1,300 mass layoffs of U.S. workers. A mass layoff impacts at least 50 people from a single company. More than 134,000 individuals were involved in such action, according to the Bureau of Labor Statistics. My job loss and that of my colleagues won’t show up in February’s report. There were too few of us. Some of us will appear in other employment data, but we will be just statistics. Each of those statistics has groceries to buy, bills to pay and hope for a new opportunity.

In a $16 trillion economy, it’s understandable that we become statistics. The stakes are just too big to pick up the noise from any of our individual unemployment stories. The weekly and government reports I have spent my career reporting on don’t ask why. They don’t ask who. They only ask how many. It’s our friends and family and colleagues who ask, “How can I help?”

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AFFORDABLE CARE ACT DOESN’T COVER LONG-TERM CARE POLICIES

Starting next year, the Affordable Care Act will largely prohibit insurers who sell individual and small-group health policies from charging women higher premiums than men for the same coverage.

Long-term-care insurance, however, isn’t bound by that law, and the country’s largest provider of such coverage has announced it will begin setting its prices based on sex this spring.

“Gender pricing is good for insurance companies,” said Bonnie Burns, a policy specialist at California Health Advocates, a Medicare advocacy and education organization, “but it’s bad public policy and it’s bad for women.”

Genworth Financial says the new pricing reflects the fact that women receive two of every three claims dollars. The change will affect only women who buy new individual policies, or about 10 percent of all purchasers, according to the company. The new rates won’t be applied to existing policyholders or those who apply as a couple with their husbands.

“This change is being made now to reflect our actual claims experience and help stabilize pricing,” Genworth Financial spokesman Thomas Topinka said in an email.

Women’s premiums may increase by 20 to 40 percent under the new pricing policy, said Jesse Slome, executive director of the American Association for Long-Term Care Insurance. The average annual premium for a 55-year-old who qualified for preferred health discounts and bought between $165,000 and $200,000 of coverage was $1,720 last year, according to the association.

Experts say they expect other long-term-care insurers will soon follow suit.

Long-term-care insurance provides protection for people who need help with basic daily tasks such as bathing and dressing. It typically pays a set amount for a certain number of years — say, $150 daily for three years — for care provided in a nursing home, assisted living facility or at home. Never a very popular product with consumers, many of whom found it unaffordable, in recent years the industry has struggled and many carriers have raised premiums by double digits or left the market.

Consumer health advocates say they aren’t surprised that women’s claims for long-term-care insurance are higher than men’s.

Because women typically live longer than men, they frequently act as caregivers when their husbands need long-term care, advocates say, thus reducing the need for nursing help that insurance might otherwise pay for. Once a woman needs care, however, there may be no one left to provide it.

“Women live longer alone than men,” Burns said. “If you don’t have a live-in caregiver when you start needing this kind of care, you’re in big trouble.”

LuMarie Polivka-West knows the potential problems all too well. Polivka-West, 64, is the senior director of policy and program development for the Florida Health Care Association, a trade organization for nursing homes and assisted living facilities.

About 15 years ago, she bought a long-term-care policy. The company went out of business after five years, and she let her policy lapse rather than switch to another plan with higher premiums and less comprehensive coverage. But she’s reconsidering that decision. Polivka-West’s husband is four years older than she is. Her mother died of Alzheimer’s disease at age 89 after struggling with it for eight years. What if a similar fate awaits her?

Polivka-West thinks insurers shouldn’t be allowed to charge her more just because she’s a woman.

“The Affordable Care Act recognized the gender bias in health insurance,” she said. “The same (rules) should apply to long-term-care insurance.”

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Don’t get too personal on LinkedIn

Have you ever received a request to connect on LinkedIn from someone you didn’t know or couldn’t remember?

A few weeks ago, Josh Turner encountered this situation. The online request to connect came from a businessman on the opposite coast of the United States. It came with a short introduction that ended with “Let’s go Blues!” a reference to Turner’s favorite hockey team in St. Louis that he had mentioned in his profile. “It was a personal connection … that’s building rapport.”

LinkedIn is known for being the professional social network where members expect you to keep buttoned-down behavior and network online like you would at a business event. With more than 200 million registered users, the site facilitates interaction as a way to boost your stature, gain a potential customer or rub elbows with a future boss.

But unlike most other social networking sites, LinkedIn is all about business — and you need to take special care that you act accordingly. As in any workplace, the right amount of personal information sharing could be the foot in the door, say experts. The wrong amount could slam it closed.

“Anyone in business needs a professional online presence,’’ says Vanessa McGovern, the VP of Business Development for the Global Institute for Travel Entrepreneurs and a consultant to business owners on how to use LinkedIn. But they should also heed LinkedIn etiquette or risk sending the wrong messages.

One of the biggest mistakes, McGovern says is getting too personal — or not personal enough.

Sending a request to connect blindly equates to cold calling and likely will lead nowhere. Instead, it should come with a personal note, an explanation of who you are, where you met, or how the connection can benefit both parties, McGovern explains.

Your profile should get a little personal, too, she says. “Talk about yourself in the first person and add a personal flair — your goals, your passion … make yourself seem human.”

Beyond that, keep your LinkedIn posts, invitations, comments and photos professional, McGovern says.

If you had a hard day at the office or your child just won an award, you may want to share it with your personal network elsewhere — but not on LinkedIn.

“This is not Facebook. Only share what you would share at a professional networking event,” she says.

Another etiquette pitfall on LinkedIn is the hit and run — making a connection and not following up.

At least once a week, Ari Rollnick, a principal in kabookaboo, an integrated marketing agency in Coral Gables, gets a request to connect with someone on LinkedIn that he has never met or heard of before. The person will have no connections in common and share no information about why they want to build a rapport.

“I won’t accept. That’s a lost opportunity for them,” Rollnick says.

He approaches it differently. When Rollnick graduated from Emory with an MBA in 2001, he had a good idea that his classmates would excel in the business world. Now, Rollnick wanted to find out just where they went and reestablish a connection.

With a few clicks, he tracked down dozens of them on LinkedIn, requested a connection, and was back on their radar. Then came the follow-up — letting them know through emails, phone calls and posts that he was creating a two-way street for business exchange. “Rather than make that connection and disappearing , I let them know I wanted to open the door to conversation.”

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Economic development chief faces bruising fight

An organization charged with reviving Miami-Dade’s battered economy finds itself with some bruises, too.

The Beacon Council, a non-profit that relies on tax dollars, is contending with a threat to its public funding, lukewarm support from County Hall and a rift within its own leadership. CEO Frank Nero faces a revolt from some board members, and the full board this month opted not to pass a motion expressing confidence in the Beacon Council’s management, according to several participants.

“Not everybody loves Frank,’’ said Joseph Pallot, the group’s volunteer chairman and general counsel at Heico Corp. But Pallot said Nero has performed well as the head of an organization that receives about $4 million a year in Miami-Dade taxes. “Frank’s economic-development skills are second to none.”

Nero, a former New Jersey municipal leader who earns about $400,000 a year, declined to comment. He has tussled with board members and elected officials in the past. But he now faces pressure on multiple fronts, with Miami-Dade Mayor Carlos Gimenez wanting to revamp the county’s economic-development strategy, commissioners wanting to take away $1 million in tax funding and give it to local businesses, and some Beacon board members pushing for a change at the top.

“We have issues with the Beacon Council,” Gimenez said this week in an interview. “The commission also apparently has issues with the Beacon Council. We’re trying to work with them as best that we can.”

In his comments, Gimenez also said his concern was with the county’s “disjointed” approach to economic development, saying, “I’d like to kind of bring that all together.”

The Beacon Council’s primary mission is to recruit companies to Miami-Dade, serving as a go-between among corporate relocation firms and local agencies and helping line-up incentives and subsidies from county and state pools of money. It also pursues various economic efforts and promotions, including a year-long “One Community One Goal” study of how to grow the economy, and next month’s awards fundraising lunch aboard a cruise ship at Port Miami.

In the budget year that ended in September 2011, the Beacon Council received about $1.6 million from businesses paying dues, events and other private-sector sources, according to the most recent fianancial statement available.

Last year, the Beacon Council said it helped 27 businesses either expand in or move to Miami-Dade, accounting for about 2,000 new jobs. Among the big companies it helped land incentives for was the new cable network Univision is forming with the ABC national network in Doral.

But the Beacon Council’s public dollars have proved a ripe target, with commissioners complaining the money goes to recruit large companies to town that then compete with constituents’ smaller businesses.

Combined, the Beacon Council’s top eight executives make about $1.5 million a year, and during the recession the group spent about $1.5 million on a 2009 renovation of its rented Brickell Avenue office, according to tax filings and financial statement.

“When you’re trying to bring a CEO to Miami, you have to play the part that you’re a cosmopolitan, global city,’’ said Ana Acle-Menendez, head of communications for the Beacon Council. “That was the idea behind the renovation.”

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Don’t get too personal on LinkedIn

Have you ever received a request to connect on LinkedIn from someone you didn’t know or couldn’t remember?

A few weeks ago, Josh Turner encountered this situation. The online request to connect came from a businessman on the opposite coast of the United States. It came with a short introduction that ended with “Let’s go Blues!” a reference to Turner’s favorite hockey team in St. Louis that he had mentioned in his profile. “It was a personal connection … that’s building rapport.”

LinkedIn is known for being the professional social network where members expect you to keep buttoned-down behavior and network online like you would at a business event. With more than 200 million registered users, the site facilitates interaction as a way to boost your stature, gain a potential customer or rub elbows with a future boss.

But unlike most other social networking sites, LinkedIn is all about business — and you need to take special care that you act accordingly. As in any workplace, the right amount of personal information sharing could be the foot in the door, say experts. The wrong amount could slam it closed.

“Anyone in business needs a professional online presence,’’ says Vanessa McGovern, the VP of Business Development for the Global Institute for Travel Entrepreneurs and a consultant to business owners on how to use LinkedIn. But they should also heed LinkedIn etiquette or risk sending the wrong messages.

One of the biggest mistakes, McGovern says is getting too personal — or not personal enough.

Sending a request to connect blindly equates to cold calling and likely will lead nowhere. Instead, it should come with a personal note, an explanation of who you are, where you met, or how the connection can benefit both parties, McGovern explains.

Your profile should get a little personal, too, she says. “Talk about yourself in the first person and add a personal flair — your goals, your passion … make yourself seem human.”

Beyond that, keep your LinkedIn posts, invitations, comments and photos professional, McGovern says.

If you had a hard day at the office or your child just won an award, you may want to share it with your personal network elsewhere — but not on LinkedIn.

“This is not Facebook. Only share what you would share at a professional networking event,” she says.

Another etiquette pitfall on LinkedIn is the hit and run — making a connection and not following up.

At least once a week, Ari Rollnick, a principal in kabookaboo, an integrated marketing agency in Coral Gables, gets a request to connect with someone on LinkedIn that he has never met or heard of before. The person will have no connections in common and share no information about why they want to build a rapport.

“I won’t accept. That’s a lost opportunity for them,” Rollnick says.

He approaches it differently. When Rollnick graduated from Emory with an MBA in 2001, he had a good idea that his classmates would excel in the business world. Now, Rollnick wanted to find out just where they went and reestablish a connection.

With a few clicks, he tracked down dozens of them on LinkedIn, requested a connection, and was back on their radar. Then came the follow-up — letting them know through emails, phone calls and posts that he was creating a two-way street for business exchange. “Rather than make that connection and disappearing , I let them know I wanted to open the door to conversation.”

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Miami medicine goes digital

About 10 years ago, Dr. Fleur Sack quit her practice as a family physician to become a hospital department head. Spurring her decision was the need to switch from paper records to electronic ones to keep her private practice profitable. “At that time, it would have cost about $50,000,” Dr. Sack recalled. “It was too expensive and it was too overwhelming.”

But times and technologies changed, and last year, Dr. Sack left her hospital job to restart her medical practice with an affordable system for managing electronic patient records. She agreed to a $5,000 setup fee and a subscription fee of $500 per month for the system. Her investment also qualified her for subsidy money, which the federal government pays in installments, and to date, her subsidy income has paid for the setup fee and about two years of monthly fees. “So far, I’ve got my check for $18,000,” she said. “There’s a total of $44,000 that I can get.”

That kind of cash flow is one reason why so-called EHR software systems for electronic health records have been among the hottest-selling commercial products in the world of information technology. EHR system development is a growth industry in South Florida, too. Life sciences and biotechnology are among the high growth-potential sectors identified by the Beacon Council-led One Community One Goal economic development initiative unveiled in 2012; already, the University of Miami has opened a Health Science Technology Park while Florida International University has launched a healthcare informatics and management systems program in its graduate school of business.

For many young businesses in the area’s IT industry, government incentives are paving the way. The federal government is pushing doctors and hospitals to use electronic health records to cut wasteful spending and improve patient care while protecting patient privacy — sending digital information via encrypted systems, for example, rather than regular email.

Under a 2009 federal law known as the HITECH Act, maximum incentive payments for buying such systems range up to $44,000 for doctors with Medicare patients and up to $63,750 for doctors with Medicaid patients. Hospitals are eligible for larger incentive payments for becoming more paperless. The subsidy program isn’t permanent; eligible professionals must begin receiving payments by 2016. But by then, the federal government will be penalizing doctors and hospitals that take Medicare or Medicaid money without making meaningful use of electronic health records.

“What the government did is, they incentivized, and now they’re going to penalize,” said Andrew Carricarte, president and CEO of IOS Health Systems in Miami, one of the largest South Florida-based vendors of online software service for physician practices. He said insurance companies also may start penalizing physicians for failing to adopt electronic health records because “the commercial payers always follow Medicare and Medicaid.”

It’s all part of the growth story at IOS Health Systems, which has more than 2,000 physicians across the nation using its online EHR system. Carricarte said many of the company’s customers buy their second EHR system from IOS after their first one flopped. “Almost 40 percent of our sales come from customers who had systems and are now switching over to something else,” he said.

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South Beach Wine & Food Festival changes Miami's culinary scene, impacts economy

For Miami restaurateurs, this is Showtime.

With dozens of top chefs — Bobby Flay, Todd English, Daniel Boloud and Masaharu Morimoto among the list — in town for the South Beach Wine & Food Festival, the pressure is on everywhere, from Michy’s to the new Catch Miami. The goal: Show everyone from around the country that Miami’s food scene has arrived on the national stage.

Chef Michelle Bernstein’s staff whipped up dishes designed to impress guests at Michy’s — like foie gras, oxtail and apple tarte tatin — while she juggled menus for multiple events. Bernstein kept her cellphone handy to make sure any chef friends could get a table, even though her namesake restaurant was sold out.

As always, Joe’s Stone Crab was a must-do stop for many, including Paula Deen and New York restaurateur Danny Meyer. Aussie Chef Curtis Stone attracted a string of admirers as he ate his way around town, with stops at Prime 112, Pubbelly Sushi and Puerto Sagua. Khong River House and Yardbird Southern Table & Bar hosted Meyer, The Food Network’s Anne Burrell and Chef Anita Lo.

Michael’s Genuine was another hot spot.

“This is kind of our coming out party for Khong and it’s our chance to knock it out of the park and wow people,” said John Kunkel, owner of Khong and Yardbird.

Prime 112 owner Myles Chefetz admits he’s a fanatic about checking plates when they come back from a chef’s table. And he’s always on the lookout for the table ordering 20 different items, because that’s usually a restaurateur doing research.

“If you have Jean-Gorges or Bobby Flay eating at your restaurant, you want to make sure he has a great experience,” Chefetz said. “You want to put your best foot forward because you know you’re going to get scrutinized.”

The Food Network South Beach Wine & Food Festival is not just a forum for impressing the culinary elite. It’s among the top three tourist draws for Miami restaurants and hotels. In its 12th year, the festival draws more than 60,000 people to Miami Beach for a weekend of decadence, featuring more than 50 events spread over four days.

It is neck and neck with two of the area’s other most prominent weekends: Art Basel and Presidents’ Day (which coincides with the Miami International Boat Show).

There’s the immediate economic impact, of course, but the festival has made its mark in other ways: helping transform Miami’s food scene from a cultural wasteland to one of the country’s hot spots, one where top chefs all want to set up shop.

“Twelve years ago I don’t know if you could even name five really good restaurants. Now, you can’t think of where you want to eat because there are so many good restaurants,” said Lee Brian Schrager, festival founder and vice president of communications for Southern Wine & Spirits, its host. “What the festival can take credit for is introducing the culinary world to the great talent down here, and really highlighting South Florida as a great dining destination.”

There has been plenty of indulgence to go around. Flay finally broke his losing streak and took home top honors at the Burger Bash with his award-winning crunchified green chili burger. At the Q, barbecue lovers had their choice of Al Roker’s lamb ribs with baked beans or Geoffrey Zakarian’s smoked tagarashi crusted tuna, among other offerings.

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The faces of Florida’s Medicaid system

The tea party governor now says he wants to expand Medicaid. The Republican Legislature isn’t as sure.

Hanging in the balance?

Access to health care for 1 million or more poor Floridians.

Billions of dollars in federal money.

The state budget, which — already — pumps $21 billion a year into care. Florida’s Medicaid system today serves more than 3 million people, about one in every six Floridians. The decision whether to expand the system by a full third will be made by men and women in suits in Tallahassee’s mural-filled chambers this spring.

But the impact is elsewhere, in children’s hospitals in Tampa and Miami, in doctors’ offices in New Port Richey and in the home of a woman who recently lost her full-time teaching job.

The Suddenly uninsured

This was not how she envisioned her 60s.

Jean Vincent dreamed of turning her five-bedroom home into a bed and breakfast. She painted murals on walls, created mosaics on floors and let her imagination guide the interior decorating. There is a “garden” room, a “bamboo” room and a “canopy” room.

In 2010, Vincent lost her full-time job teaching in Citra north of Ocala. Her mother became sick with cancer and needed around-the-clock care before dying in August. Then, doctors began prescribing Vincent costly medications to treat osteoporosis and early-onset diabetes.

“I started getting a little behind with my mortgage,” said Vincent, 61. “All of a sudden, I found out I had to have an emergency retina eye surgery.”

Today, Vincent is searching for roommates to move into her home and help pay the bills. She begs Gainesville’s Sante Fe Community College and City College to schedule her for as many classes as she can handle as an adjunct geography professor; this semester’s four is the most she’s ever had.

But her biggest worry? Not having comprehensive health care.

Vincent —who is too young for Medicare — is enrolled in CHOICES, a health services program the Alachua County government created for the uninsured. It covers preventative care like her flu shots and helps with her drug therapy. But if Vincent ever got so sick she needed to go to the hospital, she’d be on her own.

Under current Florida law, adults with no dependents are not eligible to participate in Medicaid no matter how little they make. Vincent’s four children are all grown, which means even as her income has dwindled she can’t become eligible for the health insurance program run jointly by the federal and state governments.

If Florida decides to expand the Medicaid system, people in Vincent’s position for the first time could be covered.

The expansion would allow any single adult making about $16,000 a year eligible for Medicaid.

On the matter, Vincent has become an activist. She joined with patient rights group Florida CHAIN and traveled to Tallahassee to lobby lawmakers.

“When I gave my testimony, that’s all I wanted them to do was see there were people out there that weren’t just trying to take advantage of the system,” she said.

This summer, she expects to only be assigned one class at Sante Fe. That will provide about $2,000 for her to live on for three months. Meanwhile, her retirement dreams are put on hold.

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Ian Schrager joins forces with chef Jean-Georges Vongerichten for new Edition Hotel

Two of the best-known names in their respective fields — hotelier Ian Schrager and chef Jean-Georges Vongerichten — have teamed up for the Edition Hotel in Miami Beach, they told The Miami Herald Friday.

The partnership had not previously been officially announced, but the two were set to host a cocktail party Friday night at the site of the old Seville Beach hotel, 2901 Collins Ave.

On Friday at the sales pavilion for the Residences at the Miami Beach Edition, the duo chatted nonstop as they examined an elaborate model of the hotel and grounds.

“We just have a good time together,” Vongerichten said. “He’s excited, I’m excited.”

Vongerichten pointed out a lower-level area on the model building that he described as a grab-and-go food court with a deli, bakery, hot kitchen and raw bar. Schrager referred to it as an “updated Wolfie’s,” referring to the deli eight blocks south on Collins Avenue that closed in 2002.

“It’s not just for the people at the hotel, it’s for everybody,” said Schrager, whose launch of the Delano in 1995 helped bring new life to South Beach.

Plans at the Edition also call for a beach eatery and upscale-but-modern restaurant that Vongerichten said would be “chic and glamorous” and focused on local ingredients. He referred to that restaurant as the Matador Room, a nod to the hotel’s previous life.

Vongerichten said Schrager approached him about the project nearly six months ago; they have worked together since he opened the Pump Room restaurant at Schrager’s Public Chicago in late 2011.

Vongerichten is also behind the lauded J&G Grill at the St. Regis Bal Harbour, which opened in January 2012, but the Edition will be his first foray into Miami Beach.

“You always have to wait for the right project,” Vongerichten said.

A partnership between Schrager and Marriott International, the Edition brand includes one hotel in Istanbul. A site in London is set to debut in August, followed by Miami Beach in early 2014, possibly late in the first quarter. Other locations in New York and Bangkok are scheduled to come online in 2015.

Already years in the making, the Miami Beach project has been closely watched since Marriott bought the property in July 2010. Now, construction at the massive site is well underway, with cranes towering over the gutted existing buildings and a new tower. The finished product will include a hotel with about 250 rooms as well as 26 residences, nearly half of which are already sold. The property also features an ice skating rink, a bowling alley and historic outdoor details including a sundial and diving board.

“It’s a little bit like a bamboo shoot that sits there for 100 years, then all of a sudden it shoots up 50 feet in weeks,” Schrager said. “It’s coming to life.”

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National Hotel nears end of long renovation

A panel of frosted glass puts everything in perspective for Delphine Dray as she oversees a years-long, multi-million dollar renovation project at the National Hotel on Miami Beach.

“Chez Claude and Simone,” says the piece of glass stationed between the lobby and restaurant, a reference to Dray’s parents, who bought the hotel in 2007.

“Every time I am exhausted and I pass that glass, I remember why,” said Delphine Dray, who joined her father — a billionaire hotel developer and well-known art collector in France — to restore the hotel after the purchase.

After working with him for years, she is finishing the project alone. Claude Dray, 76, was killed in his Paris home in October of 2011, a shooting that remains under investigation.

In a recent interview and tour of the hotel’s renovations, which are nearly finished, Dray did not discuss her father’s death, which drew extensive media coverage in Europe. But she spoke about the evolution of the father-daughter working relationship, the family’s Art Deco obsession and the inspiration for the hotel’s new old-fashioned touches.

The National is hosting a cocktail party Friday night to give attendees a peek at the progress.

Dray grew up in a home surrounded by Art Deco detail; her parents constantly brought home finds from the flea market. By 2006, they had amassed a fortune in art and furniture, which they sold for $75 million at a Paris auction in 2006.

That sale funded the purchase of the National Hotel at 1677 Collins Ave., which the Drays discovered during a visit to Miami Beach.

After having lunch at the Delano next door, Dray said, “My dad came inside the hotel and fell in love.” The owner was not interested in selling, but Claude Dray persisted, closing the deal in early 2007. Her family also owns the Hôtel de Paris in Saint-Tropez, which reopened Thursday after a complete overhaul overseen by Dray’s mother and older sister.

Delphine Dray said she thought it would be exciting to work on the 1939 hotel with her father, so she moved with her family to South Florida. She quickly discovered challenges, including stringent historic preservation rules and frequent disagreements with her father.

“We did not have at all the same vision,” she said.

For example, she said: “I was preparing mojitos for the Winter Music Conference.” Her father, on the other hand, famously once unplugged a speaker during a party at the hotel because the loud music was disturbing his work.

“We were fighting because that is the way it is supposed to be,” she said. “Now, I understand that he was totally right.”

She described a vision, now her own, of a classic, cozy property that brings guests back to the 1940s.

Joined by her 10-year-old twin girls, Pearl and Swan, and 13-year-old son Chad, Dray pointed out a new telephone meant to look antique mounted on the wall near the elevators on a guest floor. She showed off the entertainment units she designed to resemble furniture that her parents collected. And she highlighted Art Deco flourishes around doorknobs and handles.

“It’s very important for us to have the details,” she said.

With those priorities in mind, she is overseeing the final phase of the renovation, an investment that general manager Jacques Roy said will top $10 million. In addition to the small details, the renovation includes heavier, less obvious work: new drywall in guest rooms, for example, and new windows to replace leaky ones.

Painting of the building’s exterior should be finished in the next two to three weeks, Roy said. Dray compared its earlier unfinished state to resembling “a horror movie — the family Addams.”

And the final couple of guest room floors, as well as the restoration of the original Martini Room, should be done by the end of April.

“At the end, I will be very proud,” Dray said.

The National’s renovation wraps up as nearby properties such as the SLS Hotel South Beach and Gale South Beach & Regent Hotel have been given new life. Jeff Lehman, general manager of The Betsy Hotel and chair of the Miami Beach Visitor and Convention Authority, said the National has always been true to its roots. He managed the hotel for 10 years, including for a few months after Dray bought the property.

“I think historic preservation and the restoration of the hotels as they were built 70, 80 years ago is such a huge piece of our DNA,” he said. “It’s a lot of what sets us apart from any other destination on the planet.”

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Architectural advisory panel rejects design plans for Midtown Miami Walmart

Controversial efforts to build a Walmart in Midtown Miami hit an unexpected roadblock Wednesday when members of Miami’s architectural advisory panel rejected the latest version of the plan.

The unanimous vote to deny a permit application was unusual for the Urban Development Review Board, which functions as an advisory group to the city planning director, and rarely takes a hard stand against projects.

The response from Walmart was unusual, too.

The board offered Walmart a chance to rework its plans and return for a later hearing. But the Walmart team declined.

“We’re just at a point where the project is taking way too long,” Walmart attorney Alfredo Gonzalez said, adding that contractual obligations demand the project move forward immediately.

The Midtown Walmart project has garnered intense opposition from neighborhood activists, who worry the big-box store will destroy the character of the up-and-coming neighborhood. Proponents say the Walmart would create as many as 750 construction and retail jobs and be a source of fresh produce and affordable consumer goods.

Last month, to make its 156,000-square-foot store blend in better with the district, Walmart revised its plan to include an adjacent building with pedestrian-friendly, street-level shops. Zyscovich Architects, the firm that drew up the master plan for the Midtown district, is designing that portion of the project.

On Wednesday, members of the development review board sharply questioned whether the latest plans comply with two key features of the special zoning plan that governs development in Midtown. Like the city’s Miami 21 zoning code, which was written after the development of Midtown, the rules are meant to ensure that buildings in the district foster active pedestrian traffic and avoid blank walls and exposed parking garages.

One guideline calls for the top decks of parking garages to be screened or covered. Walmart’s plan for rooftop parking includes decorative planters but not a cover or screen.

“The code requires that you incorporate trellises or other design features to conceal the parking spaces,” Urban Development Review Board member Robert Behar said. The Walmart plan “needs to be more elaborate.”

A second rule requires “liners” — typically residential or commercial space — to conceal garages on principal streets like Midtown Boulevard and North Miami Avenue. If a garage doesn’t have liners above the ground floor, it’s supposed to be set back 85 feet from the street.

While Walmart’s plans show ground-floor retail stores, there are none on the second and third stories of the three-level garage. Those floors are instead covered with glass façades.

The garages are set back roughly 25 feet on Midtown Boulevard and 50 feet on North Miami Avenue.

Miami Assistant Planning Director Carmen Sanchez said she believes the Midtown regulations don’t specifically require occupied spaces in the upper stories, but just “an articulated building façade” like the glass panels Walmart has proposed.

But members of the panel said they read the code differently to require habitable space on the upper stories as well as the ground floors of garages.

“Either you include liner uses in the second or third level, or you set the building back 85 feet,” architect and developer Willy Bermello said.

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Best photo apps for Android devices

Whether you want to slap a simple filter on your photo or get granular and change attributes like color levels and saturation, we’ve got a list of the Android apps you’ll want to use.

Snapseed

The good: With its unique gesture-based interface, this offers an incredible level of control over its effects and filters.

The bad: The tools and interface aren’t intuitive, so it could take a while to get familiarized. Also, the lack of a zoom function makes it difficult to see finer adjustments.

The cost: Free

The bottom line: If you’re a serious mobile photographer looking for an app with which to fine-tune your photos, Snapseed is your best choice.

Pixlr Express

The good: Offers more than 600 effects that all work well and are easy to use. Auto Fix and Focal Blur (tilt-shift) are particularly effective.

The bad: The app doesn’t warn you before backing out, which can result in lost work. A Recent Files picker upon launch would be nice.

The cost: Free

The bottom line: One of the most powerful Android apps in its category. Despite its minor flaws, it should be your go-to mobile photo editor.

Instagram

The good: An excellent way to turn mundane images into cool-looking photos you can share with friends. Mapping features mean people can easily browse all your geotagged shots.

The bad: Photo Map features default to showing all your geotagged shots, which could be dangerous under some circumstances.

The cost: Free

The bottom line: If you like taking retro-looking shots and sharing them, Instagram is tough to beat. Mapping features and frequent updates to the app mean your pictures will have a longer browsing life span.

Photo Grid

The good: Offers a huge menu of grid templates and a dead-simple interface for combining photos into framed collages.

The bad: The app unfortunately doesn’t let you customize the thickness of collage borders or the level of curvature on rounded panels.

The cost: Free

The bottom line: Even though it’s missing a couple of nifty customization tools other collage apps have, Photo Grid’s simple interface and outstanding menu of predesigned grids make it the best collage app on the market.

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Open English expands across Latin America

Back in 2008, Open English, a company run from Miami that uses online courses to teach English in Latin America, had just a handful of students in Venezuela and three employees. Today the company has more than 50,000 students in 22 Latin American countries and some 2,000 employees.

To fund this meteoric expansion, the founders of Open English — Venezuelans Andrés Moreno and Wilmer Sarmiento and Moreno’s American wife, Nicolette — began with $700. Over the last six years, the partners have raised more than $55 million, mostly from private investment and venture capital firms.

Their formula for success? The founders rejected traditional English teaching methods in physical classrooms and developed a system that allows students to tune into live classes every hour of the day from their computers at home, in the office or at school, and learn from native English-speaking teachers who may be based anywhere. Courses stress practical conversations online and the company guarantees fluency after a one-year course, offering six additional months free if students fail to become fluent.

“We wanted to change the way people learn English,” said Andrés Moreno, the 30-year-old co-founder and CEO, who halted his training as a mechanical engineer and worked full-time at developing the company with his partners. “And we want students to achieve fluency. Traditionally, students have to drive to an English academy, waste time in traffic, and try to learn from a teacher who is not an native English speaker in a class with 20 students.”

Using the Internet, Open English offers classes usually with two or three students and a teacher, interactive videos, other learning aids and personal attention from coaches who phone students regularly to see how they are progressing.

Courses cost an average of $750 per year and students can opt for monthly payments. This is about one-fifth to one-third of what traditional schools charge for small classes or individual instructors, Andrés noted.

“We work at building confidence with our students and encourage them to practice speaking English as much as possible during classes,” said Nicolette Moreno, co-founder and chief product officer, who met Andrés in Venezuela while she was working there on a service project. “Students are taught to actively participate in conversations like a job interview, traveling and talking on a conference call,” said Nicolette, who previously lived in Los Angles, worked with non-profits to create environmentally friendly products and fight poverty in emerging markets, and was head equity trader at an asset management firm. “Students need to speak English in our classes, even though it is sometimes difficult. They learn through immersion.”

Open English has successfully tapped into an enormous, underserved market. Millions of people in Latin America want to learn English to advance in their jobs, work at multinational companies, travel or work overseas and understand the popular music, movies and TV shows they constantly hear in English. Many of them take English courses at public and private schools and learn little if any useful conversational English. While students at private schools for the upper middle class and wealthy often learn foreign languages extremely well from native English-speaking teachers, most people can’t afford these schools or courses designed for one or two students.

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Small business lending rebounds in South Florida

For years, Pablo Oliveira dreamed of buying a property to house his high-end linen and furniture rental company, Nuage Designs, which has created settings for such glamorous events as the weddings of Carrie Underwood and Chelsea Clinton.

A few months ago, that dream came true, when Oliveira purchased a warehouse across the street from his current Miami location. He is now renovating the loft-like space with the help of a $2.1 million, 25-year small business loan.

“It allows me to own my own space as opposed to renting, and that will decrease my costs for infrastructure and allow me to build equity with time,” said Oliveira, who secured a U.S. Small Business Administration-guaranteed loan from Wells Fargo.

For small businesses like Oliveira’s, a loan can be the critical key to growing a business, as well as the kindling to ignite an operation.

Take Harold Scott’s fledgling Great Scott Security, which manufactures window guards in Hollywood that can open quickly in case of need.

When he was 13, Scott’s stepfather perished in a Georgia house fire because he couldn’t escape through heavy window bars. Scott made it his mission to fix the problem.

“I promised myself I would dedicate all my time to working on a solution,” said Scott, 60.

Now retired from a 23-year career in the U.S. Justice Department, Scott recently secured a $7,500 microloan from Partners for Self Employment. He used it to buy a computer and pay for marketing and other business expenses for his quick-release window guards, which have met national, state and Miami-Dade County fire safety codes.

During the depths of the recession, business owners often griped that gaining access to capital was their biggest hurdle. Saddled with bad loans, many banks were wary of making new ones. At the same time, both the value of collateral and the creditworthiness of many borrowers tumbled.

Now, at last, banks are starting to open their pocketbooks again, experts say, though lending is still not on par with pre-recession levels.

“There is no question that small business borrowing declined as a result of the recession and has yet to recover to pre-crisis levels,” said Richard Brown, chief economist for the Federal Deposit Insurance Corp., via email. “According to the Federal Reserve, total loans to noncorporate businesses and farms stood at just under $3.8 trillion in September, which remains below the peak of about $4.1 trillion in the fourth quarter of 2008.”

Signs of Growth

In South Florida, more businesses are applying for loans and getting approvals from banks, according to lenders, officials at government agencies and leaders of organizations that help small business owners secure loans.

“Lenders are expressing a greater interest than they have in the past few years in terms of meeting the needs of the small business community,” said Marjorie Weber, Miami-Dade Chapter Chair of SCORE, which helps business owners put loan packages together and refers them to bankers.

Loan figures are indeed rising. During the fiscal year ending Sept. 30, 2012, SBA-guaranteed loans were up in both Miami-Dade and Broward counties, according to the SBA. In fiscal 2012, 449 loans were approved in Miami-Dade, totaling $213.3 million, up from 426 loans for $154.4 million in 2011. In Broward, 262 loans for $91.4 million were approved in fiscal 2012, compared to 257 loans for $102.4 million in 2011.

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Sign up for Feb. 21 Miami Herald Small Business Forum

Prepare your best pitch for the Miami Herald’s Small Business Forum, Feb. 21 at the south campus of our sponsor, Florida International University.

In addition to how-to panels and inspirational stories from successful entrepreneurs, our annual small business forum will include interactive opportunities with experts to learn about financing options and polish your personal and business brands.

During our finance panel, audience volunteers will be invited to explain their financing needs to the group. During our box-lunch session, they will be invited to pitch their business or personal brand to our coaches.

Those who prefer just to listen will be treated to a keynote address by Alberto Perlman, co-founder of the global fitness craze Zumba. Panels include success stories from the local entrepreneurs who founded Sedano’s, Jennifer’s Homemade and ReStockIt.com; finance tips from experts in small business loans, venture capital, angel investments and traditional bank loans; and insiders in the burgeoning South Florida tech start-up scene.

Plus, it’s a real bargain. $25 includes the half-day seminar, continental breakfast and a box lunch.

Register here.

Program

8 a.m.

Registration and continental breakfast, provided by Bill Hansen Catering

8:30 a.m. Welcome

Host: David Suarez, president and CEO, Interactive Training Solutions, LLC

•  Jerry Haar, PhD, associate dean & director, FIU Eugenio Pino and Family Global

Entrepreneurship Center

•  Alice Horn, executive director, Network for Teaching Entrepreneurship (NFTE South Florida)

•  Jane Wooldridge, Business editor, The Miami Herald

Miami Herald Business Plan Challenge Overview:

•  Nancy Dahlberg, Business Plan Challenge coordinator, The Miami Herald

8:45 a.m. Session I – Success Stories

Moderator: Jerry Haar, PhD, associate dean & director, FIU Eugenio Pino and Family Global

Entrepreneurship Center

Speakers:

•  Jennifer Behar, founder, Jennifer’s Homemade

•  Matt Kuttler, co-president of ReStockIt.com

•  Javier Herrán, chief marketing officer, Sedano’s Supermarkets

10 a.m. Session II – All about Tech

Moderator: Jane Wooldridge, Business editor, The Miami Herald

Speakers

•  Susan Amat, founder, Launch Pad Tech

•  Nancy Borkowski, executive director, Health Management Programs, Chapman Graduate School of

Business, Florida International University

•  Chris Fleck, vice president of mobility solutions at Citrix and a director of the South Florida Tech Alliance

•  Charles Irizarry, co-founder and director of product architecture, Rokk3r Labs

11:15 a.m. Keynote

Speaker: Alberto Perlman, CEO and co-founder of Zumba® Fitness

Introduction: Jane Wooldridge, business editor, The Miami Herald

11:45 a.m. Session III – Show me the money: Financing your small business

An interactive session featuring audience volunteers who will be invited to make a short investment pitch before a panel, including experts in microlending, SBA loans, traditional bank loans, venture capital and angel investing. Audience volunteers should come prepared with a two-minute presentation that includes details about current backing, how much money they are seeking and a brief synosis of ow that money would be used.

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Credit reports still not error-free

Lucky you if you’re one of the many consumers who recognize an error in your credit file and are able to successfully dispute it, get it removed and receive the credit rating you deserve.

But woe to those who find errors and still have trouble getting corrections from any of the three major credit bureaus — Equifax, Experian or TransUnion.

That’s the conclusion of a long-awaited study by the Federal Trade Commission on credit report accuracy.

Each credit bureau maintains files on more than 200 million consumers, which are used to create credit histories. The information is then used to create credit scores, which can affect consumers’ ability to get a credit card, a home loan, an apartment or even a job. The most widely used credit scoring system is FICO, which ranges from 300 to 850. The higher your FICO score, the better.

The FTC found that 26 percent of the 1,001 participants surveyed identified at least one potentially material error, such as a late or missed payment. When information was successfully disputed and modified, 13 percent of participants saw a change in their credit score.

Not all the errors resulted in a significant increase in a consumer’s credit score. But for 5.2 percent of participants, the errors were serious enough that it made them appear more risky and thus resulted in them having to pay more for products such as auto loans and insurance, the FTC said.

The Fair Credit Reporting Act gives consumers certain rights to dispute and challenge inaccurate information in their credit files. But if true errors remain on people’s reports even after they have challenged the information, the current dispute process is not serving consumers well, the FTC said in its report.

As often happens with such studies, people see what they want to see.

The Consumer Data Industry Association, a trade organization, said the FTC’s study proves that the vast majority of credit reports are error-free.

“The FTC’s research determined that 2.2 percent of all credit reports have an error that would increase the price a consumer would pay in the marketplace and that fully 88 percent of errors were the result of inaccurate information reported by lenders and other data sources to nationwide credit bureaus,” the association said in a statement.

The association is right. But when you talk about the millions of files being kept, there are still quite a number of people with incorrect information in their reports. The FTC concluded that the impact of errors on credit scores is generally modest (an average of an 11.8-point increase in score), but for some consumers, it can be large.

“Roughly 1 percent of the reports in the sample experienced a credit score increase of more than 50 points,” the report said.

Several consumer advocacy groups feel that this conclusion confirms their long-held concerns about the accuracy of credit reports.

Because the credit bureaus have become powerful gatekeepers, you ought to care about this issue even if you haven’t found errors in your report, said Edmund Mierzwinski, consumer program director for the U.S. Public Interest Research Group.

“If 5 percent of consumers overall have serious errors, that’s about 10 million adults. Sooner or later, it will happen to you,” he said.

Everyone with a stake in this issue urges consumers to take action by pulling their reports every year. Only about 44 million consumers per year, or about one in five, obtain copies of their files, according to another recent report. You have the right to get a free copy of each of your credit files once every 12 months. Just go to www.annuacreditreport.com, the only official site, to get them.

I’ve said it before, and I’ll say it again: The federal government needs to do more to monitor the systems the bureaus have in place to investigate a consumer’s complaint about an error. Far too often the furnishers of the data will just resend the incorrect information back to the bureaus.

Evan Hendricks, author of Credit Scores and Credit Reports: How The System Really Works, What You Can Do, has frequently testified in court cases and before Congress about the struggles people have in correcting their reports. Responding to the FTC survey, he said, “With FTC’s confirmation that credit report errors are all too common and harmful to consumers, it’s high time that credit reporting agencies overhaul their operations so they actually comply with the law and investigate consumers’ disputes, with actual human beings as investigators.”

Since consumers don’t control the flow of the data about them and yet this information is so vital to their credit lives, even the small percentage error rate the FTC found is unacceptable.

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American Airlines, US Airways announce merger

After a nearly yearlong courtship, the union became official Thursday: American Airlines and US Airways have formally announced plans to merge.

An early morning announcement by the airlines confirmed reports widely circulated after boards of both companies approved the merger late Wednesday.

The move brings stability to one of Miami-Dade County’s largest private employers more than a year after the airline and its parent company filed for bankruptcy protection, leaving the fate of thousands of employees — and the largest carrier at Miami International Airport — in question.

According to the Thursday announcement, the deal was approved unanimously by the boards of both companies, creating the world’s biggest airline with implied market value of nearly $11 billion, based on the Wednesday closing price of US Airways stock. The airline will have close to 100,000 employees, 1,500 aircraft, $38.7 billion in combined revenue.

The deal must be approved by American’s bankruptcy judge and antitrust regulators, but no major hurdles are expected. The process is expected to take about six months, according to a letter sent to employees Thursday by American CEO Tom Horton.

Travelers won’t notice immediate changes. The new airline will be called American Airlines. It likely will be months before the frequent-flier programs are merged, and possibly years before the two airlines are fully combined. The new airline will be a member of the oneWorld airlines frequent flier alliance.

And for Miami travelers, it’s unlikely that much will change at any point. American and regional carrier American Eagle handled 68 percent of traffic at the airport last year, while US Airways accounted for just 2 percent. American boasts 328 flights to 114 destinations from Miami.

“We don’t expect any substantial changes at MIA if the merger occurs because our traffic is largely driven by the strength of the Miami market and not the airlines serving it,” said airport spokesman Greg Chin.

American has said for more than a year that its long-term plan calls for increasing departures at key hubs, including Miami, by 20 percent. That pledge has already started to materialize; in recent months, the airline has added new service to Asuncion, Paraguay and Roatán, Honduras.

During its bankruptcy restructuring, about 400 American employees lost jobs, leaving American and its regional carrier, American Eagle, with 9,894 employees in Miami-Dade County and 43 in Fort Lauderdale. US Airways has few employees in the area.

“It really isn’t going to affect Miami in a very major way anytime soon,” said Michael Boyd, an aviation consultant in Evergreen, Colo. “Only because US Airways isn’t a big player in South Florida.”

At Fort Lauderdale-Hollywood International Airport, American and US Airways combined would still only be the fifth-largest airline after Southwest, Spirit, JetBlue and Delta, a spokesman said. The two airlines have little overlap in routes from Fort Lauderdale.

Despite the lack of major changes, Boyd said the merger would be a good development for Miami.

“It should be positive for the employees and it should be positive for the communities that the airlines serve,” he said.

Robert Herbst, an independent airline analyst and consultant, said US Airways will add a “significant amount” of destinations in the Northeast, including Philadelphia and Washington, D.C.

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AP Sources: American Airlines, US Airways to merge

DALLAS (AP) – American Airlines and US Airways will merge and create the world's biggest airline. The boards of both companies approved the merger late Wednesday, according to four people close to the situation.

The carrier keeps the American Airlines name but will be run by US Airways CEO Doug Parker. American's CEO, Tom Horton, will become chairman of the new company, these people said. They requested anonymity because the merger negotiations were private.

A formal announcement is expected Thursday morning.

The deal has been in the works since August, when creditors forced American to consider a merger rather than remain independent. American has been restructuring under bankruptcy protection since late 2011.

Together, American and US Airways will be slightly bigger than United Airlines. Travelers won't notice immediate changes. It will likely be months before the frequent-flier programs are merged, and possibly years before the two airlines are fully combined.

If the deal is approved by American's bankruptcy judge and antitrust regulators, the new American will have more than 900 planes, 3,200 daily flights and about 95,000 employees, not counting regional affiliates. It will expand American's current reach on the East Coast and overseas.

The merger is a stunning achievement for Parker, who will run the new company. Parker's airline is only half the size of American and is less familiar around the world, but he prevailed by driving a wedge between American's management and its union workers and by convincing American's creditors that a merger made business sense.

Just five years ago, American was the world's biggest airline. It boasted a history reaching back 80 years to the beginning of air travel. It had popularized the frequent-flier program and developed the modern system of pricing airline tickets to match demand.

But years of heavy losses drove American and parent AMR Corp. into bankruptcy protection in late 2011. The company blamed bloated labor costs; its unions accused executives of mismanagement.

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Disabled Carnival ship limping toward land

Carnival Cruise Lines President and CEO Gerry Cahill on Tuesday apologized to passengers stranded after an engine room fire left 4,229 people adrift on one of the cruise giant’s ships in the Gulf of Mexico.

“No one here from Carnival is happy about the conditions on board the ship and we obviously are very, very sorry about what’s taken place,” Cahill said at a press conference at the company’s headquarters in Doral. “There’s no question that conditions on board the ship are very challenging. I can assure you that everyone on board in the Carnival team and everyone shoreside is doing everything they can to make our guests as comfortable as possible.”

Passengers aboard the fire-stricken Carnival Triumph have one more day at sea without air conditioning or widespread use of toilets before they reach land in Mobile, Ala. under the power of two tugboats. A U.S. Coast Guard vessel is escorting the ship in case of emergencies.

“If something does happen, we’re out there to help,” said Petty Officer Richard Brahm.

Cahill said the company has lined up more than 1,500 hotel rooms in New Orleans and Mobile for Thursday night and 20 charter flights to fly people to Houston on Friday. The company has canceled the ship’s Feb. 11 and 16 sailings. For those who just want to get home, Carnival is arranging for motorcoach service to Houston and Galveston.

By the time they arrive, it will have been a longer trip than they bargained for, and much less of a vacation.

The 14-year-old ship left Galveston for a four-night Western Caribbean cruise on Thursday with 3,143 passengers and 1,086 crew on board; it was scheduled to return Monday morning.

But Sunday morning, fire broke out in an engine room for unknown reasons as the ship sailed off Mexico’s Yucatan Peninsula. The blaze was put out by automatic extinguishing systems, but the ship lost propulsion and was forced to operate on emergency generator power.

Since then, passengers have complained of stench, human waste in public areas, heat and long lines for food.

Texas resident Brent Nutt, whose wife is on the cruise ship, said Monday that she told him the "whole boat stinks extremely bad" and some passengers were getting sick and throwing up, the Associated Press reported. Nutt said his wife reported "water and feces all over the floor."

Jimmy Mowlam, 63, told the Associated Press his 37-year-old son, Rob Mowlam, told him by phone Monday night that the lack of ventilation onboard Carnival Cruise Lines’ Carnival Triumph had made it too hot to sleep inside. He said Rob and his new bride are among the many passengers who have set up camp on the ocean liner’s decks and in its common areas.

"He said up on deck it looks like a shanty town, with sheets, almost like tents, mattresses, anything else they can pull to sleep on," said Mowlam, 63, who is from southeast Texas.

Carolyn Spencer Brown, editor-in chief of the popular website CruiseCritic.com, said many frequent cruisers take such incidents in stride – but, she said, the fact that there have been several fires on ships in recent years could be cause for concern.

In a strikingly similar case, the Carnival Splendor was set adrift in the Gulf in November 2010 after a major fire. It was out of service for about three months; the company estimated the cost was $56 million.

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Green cards for sale at a South Beach hotel: Competition is on for EB5 investment visas

If David Hart gets his way, South Beach’s 42-room Astor Hotel will be on a hiring spree this year as it adds concierge service, a roof-top pool, an all-night diner, spa and private-car service available 24 hours a day.

New hires will be crucial to Hart’s business plan, since foreign investors have agreed to pay about $50,000 for each job created by the Art Deco boutique.

The Miami immigration lawyer specializes in arranging visas for wealthy foreign citizens under a special program that trades green cards for investment dollars. Businesses get the money and must use it to boost payroll. The minimum investment is $500,000 to add at least 10 jobs to the economy. That puts the pressure on Hart and his partners at the Astor to beef up payroll dramatically, with plans to take a hotel with roughly 20 employees to one with as many as 100 workers.

“My primary responsibility is to make something happen here over the next two years that will create the jobs we need,’’ Hart said a few steps away from a nearly empty restaurant on a recent weekday morning. “It’s all going to be transformed.”

Though established in the 1990s, the “EB5” visas soared in popularity during the recession as developers sought foreign cash to replace dried-up credit markets in the United States.

Chinese investors dominate the transactions, accounting for about 65 percent of the nearly 9,000 EB5 visas granted since 2006. South Korea finishes a distant second at 12 percent and the United Kingdom holds the third-place slot at 3 percent. If Latin America and the Caribbean were one country, they would rank No. 4 on the list, with 231 EB5 visas granted, or about 3 percent of the total.

Competition has gotten stiffer for the deep-pocketed foreign investors willing to pay for green cards. The University of Miami’s bio-science research park near the Jackson hospital system raised $20 million from 40 foreign investors under the EB5 program, most of them from Asia. The money went into the park’s first building; visa brokers are waiting to see if the second building will proceed so they can offer a new pool of potential green-card sales.

In Hollywood, the stalled $131 million Margaritaville resort had hoped to raise about $75 million from EB5 investors before ditching that plan last year to pursue more traditional financing. A retail complex by developer Jeff Berkowitz in Coral Gables also launched a program to raise $50 million in EB5 money for the project, Gables Station. Hart worked with other EB5 investors to back pizza restaurants in Miami and South Beach. A limestone mine in Martin County also was backed by EB5 dollars.

This year, the city of Miami itself is expected to get into the business by setting up an EB5 program to raise foreign cash for a range of city businesses and developments. The first would be the tallest building in the city — developer Tibor Hollo’s planned 85-story apartment tower, the Panorama, in downtown Miami.

With a construction cost of about $700 million, Miami’s debut EB5 venture hopes to raise about $100 million from foreign investors, said Laura Reiff, the Greenberg Traurig lawyer in Virginia working with Miami on the EB5 effort. “This is a marquis project,’’ she said.

The arrangement is a novel one for Miami, with the city planning to help a private developer raise funds overseas for a new high-rise. And it would allow Hollo and future participants to tout the city of Miami’s endorsement when competing with other Miami-area projects for EB5 dollars. “We will have the benefit of the brand of the city of Miami,’’ said Mikki Canton, the $6,000-a-month city consultant heading Miami’s EB5 effort. “A lot of these others are privately owned and they won’t have that brand.”

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