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Tag: Anna Maria Island

Castles in the Sand

Technology can’t replace real estate brokers

Technology has done as much to change the real estate industry as Henry Ford did to change the production of automobiles. However, where Henry Ford brought the cost of cars way down with his technology, the real estate industry hasn’t adjusted their fees. But before every real estate broker within 50 miles of Anna Maria Island starts calling me, let me give you the pros and cons of this debate.

Yes, it’s true that house hunters can go online and see virtually every house on the market in their chosen area. It’s also true that buyers frequently call brokers after they have sifted through the online housing inventory and are ready to get inside the property. And yes, it’s also true that brokers are saving a lot on gasoline by not driving customers around for days on end as we all did years ago. But none of this tells the real story.

Let’s start with selling your home and determining a listing price. It’s pretty easy to gather a bunch of comparable properties that have sold in your area from realtor websites and county records, but are they really comparable? You haven’t been inside these properties, so you don’t really know how they compare. Active local brokers have been in a lot of closed properties and they have the ability to analyze selling prices and recommend where your house should be listed. If your house sells fast because it was priced correctly, you’ll quickly forget about the real estate commission.

How about showing your home. Do you want to field calls and schedule appointments with buyers who may not be qualified financially or who may just be kicking tires? And don’t dismiss the importance of negotiating once a buyer comes forward with an offer. No matter how successful you are in your business life, negotiating real estate offers are a different animal, the element of emotions when you’re negotiating on your own home can’t be overstated.

Finally, here in Florida, it’s not uncommon to be selling to an out of state or out of country buyer. Navigating the details of these transactions can be tricky unless you have someone who has been through it. Not to mention selling a property from out of state that needs to be cleaned out and ready for sale, another job that Florida brokers are set up to do.

What about buyers, why do they need to call a broker after they’ve done all the work on their smartphones. If you’re sitting in New Jersey in February looking at beach properties on Anna Maria Island they all look great. You really need the advice of a local broker to educate you especially in a specialized area like Anna Maria Island.

Are you relocating permanently and need advice about schools, are you buying a second home and need advice about rental possibilities, or do you simply want to know the quality of the restaurants in the area? All of this, the really important and the really not so important is where someone with years of local knowledge becomes crucial.

I love the real estate technology available to everyone today, I love that you can see every property that’s on the MLS, but this technology has been around for about 10 years and real estate professionals are still going strong. There must be some reason, maybe the brokers just decided to get out of their cars and realigned their priorities. Just like Henry Ford, technology is meant to enhance not replace.

More Castles in the Sand:

Good news and good news

Are you smarter than a hedge fund manager?

House hunting – the fun and not so fun

Clydesdales visit the Island

Budweiser Brewery’s signature advertising logo – a bright red wagon with brass accessories pulled by a team of husky Clydesdale horses – visited Anna Maria Island this afternoon at the invitation of local legend, Duffy’s Tavern.

Co-owner Peggy Davenport, daughter of Duffy’s founder Pat Geyer, rode on the wagon as it moved slowly through the high season traffic between Holmes Beach City Hall Park and Duffy’s. Davenport said she had been trying to get the team of horses out to Duffy’s for years.

The team is one of three the brewery has, each one in a certain region of the country. The song Budweiser uses in its ads played from a red truck that carried the wagon and horses as a team member explained how they take care of each of the eight one-ton horses as a large crowd of locals and Island visitors admired the animals. As sightseers used their cell phones to capture the moment, the Budweiser team showed Davenport what it means when they say “This Bud’s for you.”

 

- Tom Vaught | Sun

- Tom Vaught | Sun

- Tom Vaught | Sun

- Tom Vaught | Sun

- Tom Vaught | Sun

- Tom Vaught | Sun

- Tom Vaught | Sun

- Tom Vaught | Sun

Tom Vaught | Sun

Tom Vaught | Sun

WMFR chooses a new chief

WMFR chooses a new chief

BRADENTON – When Chief Tom Sousa retires from the district in October, West Manatee Fire Rescue will have a new chief in Battalion Chief Ben Rigney.

When Sousa announced his early retirement from the district, board members decided to open the position first to internal candidates before considering allowing non-district employees to apply. Out of that first round of searching, one internal candidate emerged – Battalion Chief Ben Rigney. During a March 19 meeting, commissioners voted unanimously in favor of appointing Rigney as Sousa’s successor as fire chief, contingent upon contract negotiations with board Chair David Bishop. The terms of the contract will be brought before the board at a future meeting.

Commissioner Larry Jennis, who headed the selection committee, recommended the board do away with the final phase of the application process, presenting a short oral presentation to the board. Jennis said that with Rigney having already presented to the board numerous times there was no reason to ask him to do it again, something his fellow commissioners agreed with.

Rigney’s appointment to the fire chief position will be effective upon Sousa’s retirement, expected Oct. 17.

Commissioner Randy Cooper said he feels that Rigney is well qualified for the position and has good ideas to move the district forward in the future. “I’m looking forward to working with him,” he said.

“I think he’ll make a fine chief,” Commissioner George Harris said.

“I’m very pleased with the candidate,” Commissioner Al Robinson said.

For his part, Sousa said he’s very pleased with the choice of Rigney as his successor. “The district’s in great hands so everything’s going to work out great,” he said.

“I’m very excited,” Rigney said of the opportunity to be WMFR’s chief. “I’m very excited to work with the district and to further the goals of the missions of the department.”

Related coverage

WMFR board members plan for the future

WMFR celebrates excellence and career milestones

AMI goes green for St. Paddy parade

HOLMES BEACH – If you were green with envy on St. Patrick’s Day, it’s only because you weren’t at the Island’s annual Beach Bistro St. Patrick’s Day Parade.

The parade stretched from the intersection of Gulf and Marina Drives to Palm Drive. The festivities brought out hundreds of people who crowded in along the sidewalks to get a glimpse of this year’s participants, ranging from pirates and conquistadors to locals dressed in their leprechaun green best and a few live animals trotting down the parade route.

A lone bagpiper kicked off the parade along with Holmes Beach Police Chief Bill Tokajer who led the parade with flashing lights and tossing beads to the crowd.

Several local bands participated, including the marching bands from Southeast High School, Rowlett Middle Academy and Lee Magnet Middle School. A New Orleans-style jazz band greeted with cheers along with a team of bagpipers, though the star was a little drummer boy playing along with the Lion Rampant Pipe and Drum.

The biggest roars from the crowd undoubtedly came when the area’s pirate crewes came on the scene. The Anna Maria Island Privateers led the pirate charge into the parade aboard the SkullyWag landbound pirate ship followed by the DeSoto crew of conquistadors from the Hernando DeSoto Historical Society, who closed out the parade on the San Cristobal landbound ship.

As usual, the parade was put on and sponsored by local restaurateur Sean Murphy.

Kristin Swain | Sun

Kristin Swain | Sun

Mike Field | Sun

Mike Field | Sun

Mike Field | Sun

Mike Field | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Mike Field | Sun

Mike Field | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Kristin Swain | Sun

Tour of Homes wows attendees

Tour of Homes wows attendees

ANNA MARIA ISLAND – The 26th Annual Tour of Homes was so popular that attendees sometimes found themselves waiting for up to 10 minutes to enter one of the four beautiful Island homes featured on this year’s tour.

Attendees were graciously greeted in each home by volunteers who had stories to tell, highlighting the unique aspects of each area of the homes.

At the Willow House, the talk centered on the home’s unique paint colors, many of which attendees were marking down for redecoration of their own homes. The Willow House is the only one on the tour that was not inhabited. The four-bedroom home was designed by Beacon Home Designs, built last year by Moss Builders and is for sale through Gulf Bay Realty.

A favorite home on the tour was the Horne Home in Holmes Beach. The house, previously owned by Ann Horne to whom this year’s tour was dedicated, was opened by the family especially for the event. The beachfront cottage features woodgrain ceramic floors with no thresholds between rooms, handmade oyster shell wall sconces created from shells collected at Anna Maria Oyster Bar, owned by Ann’s son John, and nautical touches throughout.

“That’s my favorite one,” one attendee said as she exited the property.

The beachfront Fangmeyer Home in Holmes Beach also was a favorite, featuring beautiful Gulf of Mexico views from almost every room. The 14-year-old house was painstakingly decorated under the discerning eye of owner Belle Fangmeyer. European touches lend an understated elegance to each room in muted colors and beautifully carved furniture and décor pieces. The smell of fresh flowers followed attendees through each of the three bedrooms, floating through open windows on the sea breeze. Dan and Belle Fangmeyer purchased the home in 2017.

One of the homes that attendees said they were most excited to see was the Kerschner Home on Key Royale. Owner Kathy Kerschner said the home was “a labor of love” for herself and husband Dan. The couple carefully created the home with the help of local architect Gene Aubry and Shoreline Builders to reflect their personal style and showcase the work of local artists, including their latest acquisition, an original by painter Robert Johnson. Gorgeous views of the bay greeted visitors on one side of the house where the owners can view the sunrise. On the other side of the home, balconies adorn each room to allow for views of the sunset each evening. One of a kind light fixtures and chandeliers featuring glass artwork from Israel twinkle throughout the house. Handcrafted woodwork also is displayed throughout the first floor including the dining table created from a 100-year-old piece of sinker cypress and the Camphour wood countertop in the powder room created by Greg.

The final stop on the tour was The Center of Anna Maria Island’s Bazaar and the Tropical Treasures Boutique, sponsored by Duncan Real Estate. At the Center, attendees were treated to refreshments by Cupcake Delights and The Traveling Gourmet, local artwork in the silent auction and for sale in the Boutique, and items available from local vendors in the Bazaar. The quilt, created by the Eyeland Needlers for the event, also was on display with raffle tickets available for purchase. This year’s quilt was sponsored by Green Real Estate. The Ugly Grouper was the music sponsor for the Tour of Homes.

Kerschner said the home was “a labor of love” for herself and husband Dan. The couple carefully created the home with the help of local architect Gene Aubry and Shoreline Builders to reflect their personal style and showcase the work of local artists, including their latest acquisition, an original by painter Robert Johnson. Gorgeous views of the bay greeted visitors on one side of the house where the owners can view the sunrise. On the other side of the home, balconies adorn each room to allow for views of the sunset each evening. One of a kind light fixtures and chandeliers featuring glass artwork from Israel twinkle throughout the house. Handcrafted woodwork also is displayed throughout the first floor including the dining table created from a 100-year-old piece of sinker cypress and the Camphour wood countertop in the powder room created by Greg.

The final stop on the tour was The Center of Anna Maria Island’s Bazaar and the Tropical Treasures Boutique, sponsored by Duncan Real Estate. At the Center, attendees were treated to refreshments by Cupcake Delights and The Traveling Gourmet, local artwork in the silent auction and for sale in the Boutique, and items available from local vendors in the Bazaar. The quilt, created by the Eyeland Needlers for the event, also was on display with raffle tickets available for purchase. This year’s quilt was sponsored by Green Real Estate. The Ugly Grouper was the music sponsor for the Tour of Homes.

The Kerchner Home's main living area. - Kristin Swain | Sun

The Kerchner Home's main living area. - Kristin Swain | Sun

The Kerschner Home's kitchen, featuring an heirloom dining table. - Kristin Swain | Sun

The Kerschner Home's kitchen, featuring an heirloom dining table. - Kristin Swain | Sun

The kitchen at the Willow House. - Kristin Swain | Sun

The kitchen at the Willow House. - Kristin Swain | Sun

The Willow House. - Kristin Swain | Sun

The Willow House. - Kristin Swain | Sun

The entry way at the Willow House. - Kristin Swain | Sun

The entry way at the Willow House. - Kristin Swain | Sun

The dining area in the Willow House. - Kristin Swain | Sun

The dining area in the Willow House. - Kristin Swain | Sun

Owner Greg Kerschner shows off a dining table created from a single piece of sunken cypress. - Kristin Swain | Sun

Owner Greg Kerschner shows off a dining table created from a single piece of sunken cypress. - Kristin Swain | Sun

The chandelier in the entryway at the Kerschner Home. - Kristin Swain | Sun

The chandelier in the entryway at the Kerschner Home. - Kristin Swain | Sun

Attendees line up to enter the Kerschner Home on Key Royale. - Kristin Swain | Sun

Attendees line up to enter the Kerschner Home on Key Royale. - Kristin Swain | Sun

A ceramic iguana relaxes poolside at the Kerschner Home. - Kristin Swain | Sun

A ceramic iguana relaxes poolside at the Kerschner Home. - Kristin Swain | Sun

Volunteer Diane Phinney readies to drive attendees to the next house. - Kristin Swain | Sun

Volunteer Diane Phinney readies to drive attendees to the next house. - Kristin Swain | Sun

A bedroom in the Willow House. - Kristin Swain | Sun

A bedroom in the Willow House. - Kristin Swain | Sun

A guest bathroom in the Kerschner Home. - Kristin Swain | Sun

A guest bathroom in the Kerschner Home. - Kristin Swain | Sun

A handmade oyster shell wall sconce in the Horne Home. - Kristin Swain | Sun

A handmade oyster shell wall sconce in the Horne Home. - Kristin Swain | Sun

A memory board highlighting the Horne family. - Kristin Swain | Sun

A memory board highlighting the Horne family. - Kristin Swain | Sun

The Horne Home's living area. - Kristin Swain | Sun

The Horne Home's living area. - Kristin Swain | Sun

The kitchen in the Horne Home. - Kristin Swain | Sun

The kitchen in the Horne Home. - Kristin Swain | Sun

The Horne Home. - Kristin Swain | Sun

The Horne Home. - Kristin Swain | Sun

One of a kind pieces of artwork were available in the silent auction. - Kristin Swain | Sun

One of a kind pieces of artwork were available in the silent auction. - Kristin Swain | Sun

Attendees check out the unique offerings at the Tropical Treasures Boutique. - Kristin Swain | Sun

Attendees check out the unique offerings at the Tropical Treasures Boutique. - Kristin Swain | Sun

A beautifully carved mirror in one of the bedrooms at the Fangmeyer Home. - Kristin Swain | Sun

A beautifully carved mirror in one of the bedrooms at the Fangmeyer Home. - Kristin Swain | Sun

The Fangmeyer Home. - Kristin Swain | Sun

The Fangmeyer Home. - Kristin Swain | Sun

The Fangmeyer Home's French countryside inspired kitchen. - Kristin Swain | Sun

The Fangmeyer Home's French countryside inspired kitchen. - Kristin Swain | Sun

A living area in the Fangmeyer Home. - Kristin Swain | Sun

A living area in the Fangmeyer Home. - Kristin Swain | Sun

Attendees buy raffle tickets for the Tour of Homes quilt. - Kristin Swain | Sun

Attendees buy raffle tickets for the Tour of Homes quilt. - Kristin Swain | Sun

Belle Fangmeyer greets guests at her home. - Kristin Swain | Sun

Belle Fangmeyer greets guests at her home. - Kristin Swain | Sun

Ground breaks on new Margaritaville hotel

Ground breaks on new Margaritaville hotel

PERICO ISLAND – You’ll soon be able to waste away in Margaritaville in a new way at One Particular Harbour.

The first ever Compass hotel is coming to the newly opened marina at One Particular Harbour. Representatives from Floridays Development Company, Minto Communities, Margaritaville Holdings and Compass came together at the site March 15 for a groundbreaking ceremony complete with stilt walkers, a steel drum player and gold shovels. The six-story, 123-room hotel is planned to open in early 2020 and feature a free-standing Floridays Restaurant and Grill that will be open to the public.

margaritaville hotel stilt walker
A stilt walker and steel drum player welcome guests at the groundbreaking ceremony. – Kristin Swain | Sun

“This is a watershed day for us at Margaritaville, it really is. We couldn’t be more excited about launching the Compass brand. If you want to know what Margaritaville really all is about, all you have to do it turn around and look, so that’s a perfect place for our first Compass,” said John Cohlan, chief executive officer of Margaritaville Holdings.

Rooms are planned to feature modern, nature-inspired designs with Margaritaville’s signature bedding, oversized bathrooms with rainfall showers, smart television and luxury onsite amenities. While staying at the hotel, guests can enjoy a daily breakfast buffet, cocktail happy hour, high-speed wi-fi and an outdoor pool area overlooking the marina.

One Particular Harbour is a condominium development and deepwater marina located within the Harbour Isle development on the northwest side of Manatee Avenue on Perico Island. The development features waterfront homes overlooking Anna Maria Sound. For more information, visit the sales center located at the front of the development at 12300 Manatee Ave. W. or go online to Minto’s website.

Related coverage

One Particular Harbour marina opens

New hotel approved for Margaritaville site

Construction moves forward at Margaritaville

 

Freckled Fin takes the win in three games over ACE Hardware

Freckled Fin takes the win in three games over ACE Hardware

With the close of youth flag football, all of the focus is on adult flag football and adult volleyball. The hardcourt saw week five regular-season action with team Freckled Fin paired up against team ACE Hardware.

Freckled Fin dominated the first game with a strong service game by Sean McCarthy and perfect sets by John Coleman and Colleen McCarthy. Teammate Nate Talucci shut down long rallies with perfect placement over the net time and time again.

center adult volleyball
Mackenzie Kosfeld, for ACE Hardware, prepares for the set during last Tuesday’s adult volleyball game against Freckled Fin. – Monica Simpson | Sun

Mackenzie Kosfeld showed her volleyball talents along with Jenna Duvall for ACE Hardware. Finding their groove in the first game, after some long strikes and miss-hits, Team ACE Hardware fought the good fight in the second game, leading most of the battle to take the win.

To start the second game, Duvall was in the service area and immediately put four points on the scoreboard with her serving prowess.

The scoring stayed tight the entire game where mistakes made the difference. Another miss-hit by ACE Hardware gave Freckled Fin’s Oskar Coba the scoring opportunity taking the score to 20-16.

In turn, the perfect serve by Kosfeld resulted in a long return by Coba.

To end the second game of the night, ACE’s perfect serve could not be returned by Coleman, taking the match to the third and final game.

Rally scoring in the league lends itself to lots of volleyball action on Tuesday nights at The Center. In the tiebreaking game, first to 15 wins.

The final game was close with great play on both sides of the net. Freckled Fin’s Mike Kaleta and Susie Quinby provided much-needed team support and strong hits. The ACE Hardware team just got a little too far behind to make the comeback they needed to take the match, losing by five points.

The playoff and championship games are scheduled for Tuesday, March 26 starting at 6:30 p.m.

Related coverage

ACE Hardware undefeated champions

Progressive Cabinetry closes doors on Bins Be Clean

Blue Lagoon cleaned up on the field

Reel Time: Innovators – Architects of modern saltwater fly tackle, part 2

Many of us take the tackle we fish with for granted, but it wasn’t long ago that anglers didn’t have the choices we have today. In the early days of saltwater fly fishing, there were no pre-made rods available, anglers had wrapping machines and would build their own rods from blanks made by US Fiberglass. Lefty Kreh and Flip Pallot remember how they would take a blank, wrap the guides, glue the individual cork rings, turn and sand them on lathes and head to the street to try them out. It was a common practice to make a few casts, find the rod too whippy or a guide that trapped line, and immediately break them apart and rebuild them. By constantly experimenting with different guides, blanks, and other components, they essentially advanced the technology of rod building. Many of the spin and plug casting rods they also built gave them ideas that they incorporated into fly rods. Companies like Shakespeare and Fenwick were aware of these pioneering anglers, who competed for 12 months of the year and had representatives like Ben Hardesty work closely with them, making the new innovations in rod design available to a larger angling public.

Reel Time: Innovators - Architects of modern saltwater fly tackle, part 2
In the early days, there were no pre-made rods. – Rusty Chinnis | Sun

Fly reels were also very basic and required constant refinements to handle the rigors of the salt. The Pflueger Medalist, Taurus, Hardy, Zenith and Rogue reels of the day required anglers to modify the inadequate drags and spools to fight and land the big fish they encountered. Some had metal drags (Rogue), while others used clickers (Hardy) and had drag adjustments in the handles (Taurus and Rogue). One of the solutions they discovered was to use greases with different viscosities on the center post of a reel in order to defeat the friction and subsequent heat developed when fighting big fish. Never Seize, used on the shafts of a ship’s propeller, was one of the products Kreh remembers using. Pallot recalls the automotive product STP having the perfect viscosity, with the addition of a few drops of gasoline. Time and time again it would be an angler from one of the fly clubs (fishing for a MET record) that would come up with an innovation that would advance the sport. One of the fishermen’s favorite gathering places, where many of the new ideas were discussed, was Mel Shapiro’s fly shop on Bird Road in South Miami.

Fly lines of the day had advanced from the days when they were spun by hand from horsehair in a Cortland factory. The invention of nylon created stronger tapered lines that were coated with PVC. By 1954, Leon Martuch (Scientific Anglers) had patented a device to vary the coating on level fly line cores and followed with the addition of micro-balloons in the early 60s which allowed the line to float.

A big problem for fly anglers was finding a fly line to match to their rods and reels. At the time, lines were not standardized. Fly anglers had to own many different lines for the various species they targeted. Cortland, Shakespeare, and Sunset all made lines the anglers used but in those days, there was no rhyme or reason to the weights and tapers. Myron Gregory, a leading tournament fly caster from San Francisco, was responsible for suggesting a standardized system. He recommended using numbers to determine line size instead of the confusing line lettering system that was in use at the time. Lefty remembers the long passionate letters Gregory would write to him, Pallot, Ted Trueblood, Al McLane and others, extolling the virtues of a line system. He also marshaled the outdoor writers of the time to pressure the line and rod manufacturers to adopt the system. Gregory was a true pioneer and one of the first anglers Lefty remembers who used a shooting head. At the time, fly anglers could never just take a fly line from the package and fish with it. Every line available had to be modified to the particular use for which it was intended. Anglers would make the heads and tapers longer or shorter, and splice in different size running lines. Pallot remembers that at the time, all running lines, despite the fly line size, were standardized. In order to create the line he preferred, he would splice a product called “Amnesia” to the line. At that time all monofilament line, according to Lefty, was as kinky as a coil spring. “Amnesia,” which had less memory, could be stretched and straightened into an effective running line.

In the early 60s, Pallot and his friends would fish for tarpon off the bridges in the Keys. In those days, as today, the fish would lie in the shadow lines and wait for food to be swept to them by the tide. The big difference was that it wasn’t uncommon for tarpon to swim 20 feet to inhale one of the “chicken feather” creations the anglers cast. Because they lost so many fly lines to the bridge fenders, Pallot and his angling buddies would create their own lines. They would stretch 500-pound monofilament line beside a G2AF fly line and sand in the taper with Emory cloth. At the time they didn’t realize that it was the weight of the line as well as the taper that really mattered. As always, they innovated with the materials they had on hand.

While technology played a big role in the advancement of fly tackle and techniques from the 1950s to the present, it was the often-unheralded competitive anglers that spurred the creation of the tackle we enjoy today. Modern saltwater fly anglers owe a debt of gratitude to Kreh, Pallot and the men and women who continue to add to our collective knowledge. The next time you make a successful cast to a school of tarpon you’ll have a new appreciation for the line that effortlessly unrolls into the twenty-knot wind, the silky smooth drag and the bend of the rod as the line rooster-tails to the horizon.

More Reel Time:

Reel Time: Innovators – The architects of modern saltwater fly tackle

Reel Time: Release program promotes fishery recovery

Reel Time: Pothole savvy, Part 2

Castles in the Sand

Good news and good news

It’s been a while since we had positive news about how the national real estate market was trending. The little black cloud hanging over the head of the market has included a shortage of inventory, first-time buyers being priced out of the market and raising interest rates. Well, we may be seeing the black cloud starting to turn a little grey.

A couple of weeks ago, the U.S. Census Bureau released homeownership figures for the fourth quarter of 2018. The level of homeownership increased to the highest level in five years from 64.2 percent to 64.8 percent. This may not seem like a significant change, but it is a positive indicator of the real estate market shifting back to ownership from renting. The U.S. Census Bureau further states that the U.S. added about 1.7 million owner households in 2018 and lost 167,000 renter households.

Economists are interpreting this as a small but positive movement in the market, in conjunction with lower interest rates and a slight leveling off of listing prices. This may be just the thing some younger and first-time buyers need to put them on the path to homeownership.

And what about interest rates, are they really a lot better? Well, it depends what you’re comparing them to. Taking a look at 2017 and 2018, it appears the low point was December 2017 when a 30-year fixed rate mortgage could be obtained for as little as 3.93 percent. After that, the rates started climbing during 2018 when in November of 2018, they reached 4.94 percent. Then rates started declining to pretty much where we are now in Florida of between 4.36 and 4.40 percent. It’s important to understand that all of the rates we’ve been experiencing during the past three years are all good and all staying below 5 percent, a number that some of us would have envied in past years.

Another interesting thing about interest rates is that all states are not created equal. Three things that have a big influence on the mortgage rates offered in individual states is the cost of doing business in the state, the amount of competition among local mortgage lenders and foreclosure regulations. A state that requires a longer and more expensive foreclosure process will surely have higher interest rates built in by lenders. And in case you’re interested, New York state currently has the highest mortgage rates and, believe it or not, California has the lowest.

However, none of these issues have as much influence on the mortgage rates offered as an individual’s credit score. The lowest rates always go to the applicants with the highest credit scores, so keeping your bills current is especially important if you’re thinking of applying for a mortgage or a refinance.

And for first-time mortgage holders, don’t be surprised if your mortgage is turned over to a “servicer” to administer the mortgage – that is, collect your escrow and pay your property taxes and possibly insurance premium on a schedule that benefits you. Also, it’s always a good idea to verify that these two payments are paid on time by the lender or the servicer before you get a notice from the county or insurance company.

For a while, homeownership was somewhat out of style, particularly after the housing bubble burst. Not only did younger buyers lose faith in homeownership, but they also couldn’t afford it and decided the homeownership lifestyle was maybe not for them. But apparently, the American Dream is alive and well. I think it just took a little nap.

More Castles in the Sand:

Are you smarter than a hedge fund manager?

House hunting – the fun and not so fun

Florida’s new foreign buyers

Nina and Pinta off Anna Maria

Two 15th-century wooden sailing ship replicas passed Anna Maria Island today in the Gulf of Mexico.

The Nina and the Pinta left Regatta Pointe Marina in Palmetto this morning for their next port of call in Venice, making their way eventually to Florida’s east coast.

The wooden replicas of two of the three ships that Christopher Columbus sailed from Spain to the New World in 1492 are built by hand; the Nina was created with no power tools, and the Pinta is 80 percent handmade. The caravels were built by eighth-generation Portuguese shipwrights in Valencia, Brazil.

The replica of the third member of the exploration party, the Santa Maria, is touring separately.

The Nina and the Pinta off Anna Maria on the horizon today. - Cindy Lane | Sun

The Nina and the Pinta off Anna Maria on the horizon today. - Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

- Cindy Lane | Sun

Pinta replica - Cindy Lane | Sun

Pinta replica - Cindy Lane | Sun

The Pinta off Anna Maria on the horizon today. - Cindy Lane | Sun

The Pinta off Anna Maria on the horizon today. - Cindy Lane | Sun

ACE Hardware undefeated champions

ACE Hardware undefeated champions

In the teen 14- to 17-year old league, many of the boys who have played flag football on the Island since preschool return each season just to have fun with friends. Although each team has an adult coach on the sidelines, most teams and players go out onto the field without set plays and no longer look to their coach for guidance.

Weather delays and forfeits finally brought the top seed and undefeated Team ACE Hardware to the championship game against Team Blue Lagoon last Thursday night at the Center.

Playing with confidence and Offensive MVP Chris Snyder as the quarterback, Blue Lagoon quickly took the lead in the game with a 51-yard pass to Rutger Langley for the touchdown. The unsuccessful point after try left the score 6-0.

Blue Lagoon’s defense stopped the run of ACE Hardware’s Morgan Horesh and caused the incomplete pass of Tyler Brewer to Tuna McCracken, league Defensive MVP. On the third snap of the possession, Roman Langley sacked Brewer, voted the league’s most improved player, giving his team the football.

ACE Hardware returned the defensive favor with a three and out attempt by Blue Lagoon with speed and a flag pull by Connor Ludwig.

After seven minutes of play, the short yardage by David Daigle and first down by McCracken was not enough. Flag pulls by Jenard Dunbar and Roman Langley once again prevented the ACE Hardware score.

Each team had another possession with no luck before the spectacular flag pulls by Daigle and McCracken gave ACE Hardware two points on the stop in the Blue Lagoon end zone resulting in a safety.

With the score at 6-2, Team Ace Hardware went on offense and in five plays found the end zone to go ahead with a score of 6-8. McCracken connected with Ludwig on a bomb with three defenders, putting the football on the Blue Lagoon seven-yard line.

Lining up tight on the line of scrimmage, Horesh snuck out of the crowd to nab the touchdown pass.

The second half of the championship game started with Team ACE Hardware with the football, but Team Blue Lagoon quickly took it back with an interception by Dunbar off of the Brewer pass.

Rutger Langley was Snyder’s target on the first pass of the series. Daigle quickly got the flag pull. The next pass by Snyder bounced off the hands of Rutger Langley taking the game to third down.

Trying to take the football past the midfield line, Snyder was called for pushing against McCracken, turning the ball over on downs.

Brewer’s cousin Travis Bates made the next catch but the team could not make the first down happen, letting Team Blue Lagoon have another crack at the end zone.

A high snap to Dunbar got the pass off, but after being tipped by his receiver ACE Hardware’s Ludwig found the football in his hands and crossed the line for the pick six. The extra point attempt was no good, leaving the score at 6-14.

Blue Lagoon returned the favor with a touchdown interception by Aaryn Scalone. Going for two points, McCracken intercepted the ball in the end zone, preventing the tie.

On their next possession, an incomplete pass led to a bad snap by Roman Langley forcing a third-down play by Blue Lagoon. Bates applied the rushing pressure on the quarterback leading to another interception and touchdown by Team ACE Hardware. Brewer’s runback put the score to 12-20.

The point after the catch in the end zone by Daigle with 54 seconds left in the game solidified the win for his team, ending the season with Team ACE Hardware solidly on top of the league standings with the championship.

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Reel Time: Innovators – The architects of modern saltwater fly tackle

No two people are more knowledgeable about the origins of modern saltwater fly tackle than Lefty Kreh (passed in 2018) and Flip Pallot. I was fortunate a few years ago to interview these two living legends about the early days of saltwater fly fishing, and the development of the tackle we enjoy today.

The modern saltwater fly angler has a problem, just like his predecessor in the early days of the sport. Back in the late ’50s and early ’60s, when competitive anglers were discovering the remarkable variety of saltwater species from Miami to Key West, their problem was finding dependable tackle. Today’s anglers, on the other hand, are hard-pressed to keep up with all the innovations in tackle. There are literally hundreds of rods, reels, lines, and gadgets available. Exotic rod labeling systems denote rod stiffness and flex. Fly reels feature advanced sealed drag systems with space-age materials and are filled with computer designed fly lines which are available in mind-bending quantities. In short, saltwater anglers today have to figure out what to use, anglers in the ’60s had to find something to use.

Less than fifty years ago, there was essentially no specialized equipment available to the pioneers in the field. The innovations that we enjoy today are the results of their determination and love of the sport, combined with a healthy dose of competitive spirit.      Flip Pallot grew up fishing the waters of South Florida from Miami, to the Florida Keys. He witnessed first hand the fabulous angling opportunities and experienced the advancement of fly tackle beginning in the late ’50s.

Lefty Kreh came to Miami in October of 1964 to run the Metropolitan South Florida Fishing Tournament (MET). He helped the local pioneers realize the potential of fly fishing in saltwater while contributing to their awareness of casting to angling success. Both men lived, fished, and experimented with the anglers who fostered the innovations that have led to our modern tackle.

Reel Time Flip and Lefty
Lefty Kreh & Flip Pallot were best friends and are fly fishing legends. – Rusty Chinnis | Sun

Kreh and Pallot both agreed that the MET was the driving force behind most of the advancements. The MET was the brainstorm of the Miami Beach Rod & Reel Club. The tournament was established in 1935 to promote local angling opportunities and would send pictures of prize-winning anglers to papers throughout the nation in the hopes of convincing people to move to south Florida. The MET was the only public record keeping body in its day.

Several fishing clubs, including the Tropical Anglers, the Miami Sport Fishing Club, and the Miami Beach Rod & Reel Club, were composed of blue and white collar workers who competed every 6 months in three divisions: spin, plug, and fly. There were no cash prizes at the time, but winners received press and appeared on television. Most of the techniques and tackle developed in the “Hey Days,” from 1960-70, were the result of competition between these anglers. Florida Keys guides like George Hommell, Stu Apte, Jimmy Albright, Cecil Keith, and Jack Brothers, advanced their methods of locating and catching saltwater game fish using the ideas and innovations provided by the light tackle clubs, their competitions, and clinics.

Many of the local club members including Pallot, Norman Duncan, Norm Jansik, John Emory, and Chico Fernandez would come to Lefty’s house and practice casting in the street. The first rod the anglers used was a resin impregnated bamboo rod from Orvis called a “G2AF Shooting Star.” The first fiberglass rod they used (as a fly rod blank) was developed by Henry Orr, and was known as the “Spinmaster.”

Lee Cuddy was one of the most influential innovators of saltwater fly rods during the ’60s and ’70s. Kreh, Pallot and other fly anglers would frequent his rod component store, J. Lee Cuddy’s, on Coral Way in Miami. Cuddy supplied the anglers the raw materials (blanks, reel seats, guides and cork) they used to build rods. Kreh, Pallot, John Emory (who worked at the store), and other local competitive anglers in the area, would constantly build and experiment with rod designs.

Since there were no pre-made rods available, anglers had wrapping machines and would build their own rods from blanks made by US Fiberglass. Kreh and Pallot remember how they would take a blank, wrap the guides, glue the individual cork rings, turn and sand them on lathes, and head to the street to try them out. It was a common practice to make a few casts, find the rod too whippy, or a guide that trapped line, and immediately break them apart and rebuild them. By constantly experimenting with different guides, blanks, and other components, they essentially advanced the technology of rod building. Many of the spin and plug casting rods they built gave them ideas that they incorporated into fly rods. Companies like Shakespeare and Fenwick were aware of these pioneering anglers, who competed for twelve months of the year and had representatives like Ben Hardesty work closely with them, making the new innovations in rod design available to the angling public.

More Reel Time:

Reel Time: Release program promotes fishery recovery

Reel Time: Pothole savvy, Part 2

Reel Time: Fly fishing strategy – pothole savvy

‘Flea’ a funny, French farce

‘Flea’ a funny, French farce

ANNA MARIA – “A Flea in Her Ear” is a funny story written in 1907 by Frenchman Georges Feydeau and adapted by David Ives. There’s a bevy of funny situations as Raymonde, played by Nancy Denton, believes her husband, Victor, played by Daniel Coppinger, is cheating on her so she sends him a letter under a false name inviting him to meet her at Hotel Coq d’Or, a bawdy hotel.

Victor doesn’t take the bait, but he comes down to the hotel with a friend who wants to know the identity of the person who sent the letter.

This play has a number of things going on and there are more than a dozen characters who all gave great performances. But Daniel Coppinger was stellar as Victor and as Poche, the hotel bellboy who looks just like Victor. Poor Victor is mistaken for Poche and likewise Poche for Victor.

Adding to the mayhem, Mark Woodland plays Don Carlos Homenides de Histnagua, a brash Spaniard who thinks somebody is after his wife, Lucienne, played by Judy Glynn, and he threatens people with his pistol.

Camile Chandebise, Victor’s nephew played by Brannon Westfall, gets rid of his speech impediment by inserting a device in his mouth, but he loses it and spends a lot of time searching for it. Westfall was brilliant in his role and added greatly to the laughs.

There is some slamming of doors slapstick as all the characters end up at the motel and when the truth is found out, “A Flea in Her Ear” is worth the money.

This play is the first one Kelly Lynn Woodland directed at the Island Players 25 years ago. She showed her talent, if not her patience, by getting everyone in the cast on the same track.

For reservations or information, call the box office at 941-778-5755 or visit the Island Players website.

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Sunshine defendants propose settlement counteroffer

Sunshine defendants propose settlement counteroffer

BRADENTON BEACH – The six defendants in the 2017 Sunshine Law lawsuit filed by the city of Bradenton Beach have made a counteroffer to the city commission’s recent settlement offer. Attorney Thomas Shults drafted the counteroffer on behalf defendants John Metz, Reed Mapes, Tjet Martin, Patty Shay, Bill Vincent and Rose Vincent. The counteroffer was emailed to the parties involved at 9 a.m. on Friday, March 8. The counteroffer drafted by Shults attempts to revise a clause included in the settlement offer unanimously approved by the city commission on Feb. 28. “All defendants shall acknowledge they had concerns about the application of the Sunshine Law as it relates to the meetings at issue in this case and further acknowledge that errors were made as it relates to the Sunshine Law,” says the clause included in the city’s settlement offer.

The defendants’ counteroffer proposes that language be revised to say, “errors may have been made” instead of, “errors were made.” The counteroffer proposes the defendants collectively make a $10,000 donation the Annie Silver Community Center instead of paying the city $500 each or $3,000 collectively, as proposed in the commission’s settlement offer. The counteroffer states the city may instead designate all or some the defendants’ $10,000 to another charitable entity that benefits the city and its residents. The counteroffer encourages the city to also consider contributing an unspecified amount to the Annie Silver Community Center, which is not a city-owned or operated entity. The defendants’ counteroffer stipulates a Friday, March 15 acceptance deadline. The city’s settlement offer stipulates a Tuesday, March 19 acceptance deadline. The city’s deadline is based on witness depositions being scheduled to resume on March 20, at which time the city’s legal fees will again increase significantly. As of Feb. 28, the city’s legal fees exceeded $168,000, according to City Attorney Ricinda Perry. When contacted Friday afternoon, Perry said she reached out to Shults that afternoon to further discuss the settlement language
pertaining to the defendants’ admission of errors. Perry noted the defendants’ proposed $10,000 donation to a charitable entity would negate the $3,000 the city requested be paid to the city. Perry also said a matching donation from the city would require an additional expenditure of taxpayer dollars. On Monday morning, Perry said she and Shults planned to speak by phone later that day. The city commission must approve any settlement offer or counteroffer made by Perry and the defendants must approve any offer or counteroffer made on their behalves. If a settlement cannot be reached, the case will continue proceeding toward the trial scheduled in mid-July.

Past Actions

In September 2017, the city rejected a settlement offer proposed on behalf of five of the six defendants, minus Metz, that stated: “There will not be an admission or denial of liability or fault, but a recognition that the parties agree it is in their best interests to settle the differences.” To date, the city commission has not expressed interest in a settlement that does not include an admission of errors from the defendants. The August 2017 lawsuit filed on behalf of the city of Bradenton Beach and co-plaintiff Jack Clarke seeks a judge’s ruling as to whether four Planning and Zoning Board members and two Scenic WAVES Committee members violated the Florida Sunshine Law. The lawsuit alleges the six defendants, who are now former board members, violated the Sunshine Law when they discussed parking garages and other advisory board business or foreseeable advisory board business during Concerned Neighbors of Bradenton Beach (CNOBB) meetings that occurred that summer. The CNOBB meetings were not conducted at city hall, were not publicly noticed by the city clerk’s office and were not considered city meetings.

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Moose Lodge loses dear friend and driving force

Moose Lodge loses dear friend and driving force

BRADENTON BEACH – Members of the Anna Maria Island Moose Lodge #2188 are mourning the loss of longtime Lodge Administrator Ernie Casali Jr.

An email from the AMI Moose Lodge #2188 in Bradenton Beach announcing Casali’s passing was sent to lodge members on Monday, March 4.

“It is with a sad and heavy heart that we must inform you of the passing of our Administrator Ernest Casali Jr. late Sunday afternoon,” the email said.

“Most of you know him as Ernie C., the man behind the ‘all famous’ emails. However, he will be remembered more so for all the amazing things he has done for the Anna Maria Island Moose Lodge #2188. He is the heart and soul that created our lodge that we all enjoy today. Without his vision, dedication and hard work, we would be just another spot on the map, instead of the wonderful and unique lodge that we have here.

“As we say farewell Ernie C., you will forever be in our thoughts. We thank you from the bottom of our hearts for all that you did for your family, the community and all Moose members everywhere. We love you, Ernie,” the email concluded.

Casali was the driving force behind the 2015 lodge renovations that produced the second-story deck that overlooks the beach and the Gulf of Mexico.

He was master of ceremonies during the Wednesday night Queen of Hearts drawings, raising hundreds of thousands of dollars for the Moose Lodge and the charities it supports. The Queen of Hearts drawings also produced hundreds of thousands of dollars in prizes for Moose members.

Casali’s emails to lodge members covered a wide range of topics including who was eligible to participate in the Queen of Hearts drawings, where members and guests were to park and not park, and on at least one occasion, his candid thoughts on another nearby Moose Lodge.

Moose members reflect

“I’ve known Ernie for over 10 years and he was my teddy bear,” lodge member Sandra Zenzel said.

“We did a lot of tremendous things together – not only for the Moose fraternity but for the community. We would shop for food for needy families and toys for the needy kids at Christmas time and deliver them. He was one-in-a-million. He was the kindest, gentlest and most compassionate person I’ve ever known. His heart and soul were into the Moose. We want to keep his legacy going,” she said.

Zenzel said plans for a memorial service were still pending as of last week.

“Right now, the whole family and the whole staff is grieving so we don’t know when that will be. Everything will be held in the lodge,” Zenzel said.

Zenzel said Casali served as lodge administrator for 14 years.

While assisting with Thursday evening’s food service, Moose member Sherrie Snider said, “Everything Ernie did for the lodge he’s done for the people within the lodge. He personally took care of us, watched out for us and was as concerned for us and the people here as he was for the lodge. It was a personal thing for him.”

Kay Amodio is the 2018-19 Senior Regent for the Women of the Moose Anna Maria Island Chapter #1601.

“What a gentleman. What a wise businessman,” she said. “He was so loving and kind and fair. He taught me so much in the short time I’ve been Senior Regent. He built this Moose into the greatness that it is. The Moose fraternity has lost a good friend and a good brother,” she said.

While sitting at the bar, Moose member Steve (last name not given) said, “I’ve known Ernie for the last seven or eight years. You always knew where you were with Ernie. He was the biggest-hearted guy I think I ever met, but at the same time, he knew how to ensure that the line was toed. He was a very dear friend and he did wonderful things for this lodge.”

Wendy Quinn has worked at the lodge for 13 years. She took a break from her bartending duties to share her thoughts on Casali.

“This is hard. He’s been my boss for 13 years, but he was more than a boss to me. He was family. He’d help anybody out that needed help. He did so much for this lodge, it’s immeasurable. He was one of my best friends. I love him and he’ll always be in my heart,” Quinn said.

Lt. John Cosby and other off-duty members of the Bradenton Beach Police Department provide security for the Queen of Hearts drawings.

“Ernie was truly one of those nice guys,” Cosby said. “He was very caring too. And what he’s done for that Moose Lodge – he took it from a shack that was basically falling down and brought it to what it is today. It’s a destination now. Moose members are coming from all over the country.”