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Reel Time: Polarized glasses

Reel Time: Polarized glasses

Polarized sunglasses are essential for serious anglers. They serve multiple purposes including protecting the eyes from damaging UV light, cutting the surface glare and keeping eyes from tearing in the wind while running. Enhancing the visibility below the waters’ surface is an indispensable advantage when looking for signs of fish while sight fishing.

Many anglers choose their glasses according to style, not realizing that the color of the lenses and other factors determine their real effectiveness. Color is important, but it’s just one of the choices that you will need to make to get the most from your sunglasses.
After choosing a frame that’s comfortable and fits your face, lens color is the most important component.

Anglers who fish blue water and spend long hours over the open sea generally prefer grey lenses. Grey provides natural contrast and minimizes color distortion in offshore waters. Brown/amber lenses are the common choice for flats fishermen who sight fish in shallow water. Brown/amber lenses offer a brighter field of vision, better visual acuity, and excellent color contrast. Many dedicated anglers own more than one pair of glasses. The color vermillion and light copper heighten visual acuity and enhance color in low and flat lighting conditions. When the sun is out and bright, they switch to the darker grey, brown or amber lens. Anglers also have the option of choosing sunglasses that feature interchangeable lenses.

The reduction of glare has another beneficial component. The eye functions like a camera and must adjust to varying light levels. On a bright day, the pupil constricts, muting light levels. Polarized lenses help eliminate reflected glare, so the remaining light falls in a much narrower range of intensity. The eyes can then relax, allowing greater depth perception and truer color contrast.

When choosing polarized glasses you have a number of options: cheap versus expensive, glass versus (polycarbonate) plastic, cast versus laminated polarized lenses and color. The lowest quality glasses are the so-called “rack glasses,” the kind you find in the local pharmacy. These are better than no sunglasses, but you should buy the best pair you can afford. As a rule, a quality pair of polarized sunglasses are expensive but they’re well worth the money.

One of the major decisions is choosing glass or polycarbonate (an advanced plastic) lenses. Glass lenses provide better visual acuity (clarity) than plastic and are more scratch-resistant. However, glass lenses are heavier and can fatigue the ears and nose after many hours. If you purchase glass lenses make sure you buy a quality pair with a broad, comfortable nose piece.

Whether you choose glass or plastic lenses, your primary considerations will be frame style and lens color. Choose a frame that is comfortable and one that helps block out extraneous light. Some glasses wrap around the side of the face, while others have separate side shields.

Several of the top manufacturers of sunglasses feature technologies that further increase the effectiveness of polarized lenses. Some offer photochromic lenses that lighten or darken as light levels vary during the day. Lens coatings are another consideration. High-quality sunglasses often come with some type of coating. Hydrophobic coatings repel water so that the occasional water droplet doesn’t affect your vision. Lenses may also be coated with a chemical to make it fog proof. These options can be particularly valuable for humid environments. Some brands also include flotation assuring the glass will float, a good option for your considerable investment.

If you wear prescription lenses with or without bifocals, make sure your sunglasses have them too. Trying to tie on a lure or fly after gazing at the water for a long time can be frustrating and put you at a distinct disadvantage. You can get prescription lenses with bifocals in both glass and polycarbonate.

When you choose a pair of polarized glasses, follow the guidelines above while experimenting to find the color that works best in your fishing situation. By choosing a quality product with the proper color you’ll greatly expand your fishing horizon while protecting your most valuable asset, your vision.

Some of the more popular brands you might want to consider are made by Smith Optics, Costa Del Mar and Amphibia. Choose your sunglasses carefully; they’re one of the angler’s most valuable tools!

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Castles in the Sand

When did $100,000 not become enough?

Once upon a time if you were earning a six-figure salary you were sitting pretty. You could easily buy a home, make sure your kids went to the right schools and take that one family trip a year. Well, those days are over and have been for a while.

There has been a lot of talk about owning versus renting in the low inventory, high priced real estate market that has taken over most of the country. Some of the newly-minted renters are happy to be renters avoiding the responsibilities, cost and repairs of owning a home. But more and more high-earning Americans who would ordinarily own a home are renting.

In 2019 about 19% of U.S. households with six-figure incomes rented their homes. This is up from about 12% in 2006 according to the Census Bureau data. This increase is equal to about 3.4 million new renters who would have likely been homeowners a generation ago, and builders and investors of rental properties have taken notice.

Two of the largest single-family landlords in the country, Invitation Homes and America Homes 4 Rent, report that their average tenant earns $100,000 a year. These companies and others who are targeting this specific market say they like the high earners who aren’t interested in moving around and are willing to absorb regular rent increases and other financial blips in their lives. These are the people who previously would own a home.

Although a $100,000 income is still comfortably higher than the median household in the country at $63,179 in 2018, it’s still short to get into many homes. Americans today have more debt because of car payments, college loans, health care premiums and credit cards than their parents and grandparents who lived more prudently. Most middle-class Americans accumulated wealth by owning a home which was the great wealth leveler with half of the housing wealth owned by the middle class. This happened right after World War II when owning a home became the expected norm.

But norms change especially in real estate and young singles and families have no qualms about paying high rent for what their grandparents would have considered a waste of money. The danger here is that once you’re in an expensive rental it becomes harder and harder to save the 20% usually required to purchase a home creating a permanent renter class.

All of this said, there are indicators recently released by the Commerce Department that the number of Americans who own a home grew through the summer months. The homeownership rate modestly ticked up to 64.8% in the third quarter from 64.4% a year earlier. This number matches the highest levels in five years and is getting close to the long-run average of 65.2% of people in the country owning homes.

In addition, according to S & P Core-Logic Case-Schiller National Home Price Index, the average national home prices grew 3.2% in the year ending in August up slightly from 3.1% the prior month. And, of course, this is all on the background of still extraordinarily low mortgage rates staying below 4% in most regions on a 30-year, fixed-rate loan.

In the instant gratification world we live in, it’s not surprising that younger generations don’t care a fig about building wealth. That’s a concept so far down the road for many of them it might as well be in a different solar system. But I’m old fashioned, and it bothers me that homeownership may become a victim of the six-figure income. Say it isn’t so.

More Castles in the Sand:

Are condos the future of housing?

The ghosts of real estate

You found the perfect house; now what?

Thanks-Living to be a gathering of community

ANNA MARIA – The community task force called For the Love of Anna Maria Island will host its inaugural Thanks-Living community gathering on Wednesday, Nov. 27.

The community gathering will take place under the shade sail at City Pier Park in Anna Maria from 5 to 7 p.m. City Pier Park is located at the corner of Pine Avenue and North Bay Boulevard.

Everyone who lives on Anna Maria Island is encouraged to attend this free community event. Attendees are encouraged to bring finger foods, appetizers, hors d’oeuvres, a bottle of wine, an adult beverage or soft drinks to share with others.

“It could even be a bag of chips – anything you’d bring to a party,” said task force member and Anna Maria resident Janet Kingan.

Attendees are also welcome to make cash donations for All Island Denominations and/or bring non-perishable food items for the Roser Food Pantry.

Inspired by “For the Love of Cities” author Peter Kageyama’s presentation at The Center earlier this year, the community task force also includes Anna Maria residents Carol Carter and Barbara Zdravecky and Holmes Beach resident Bruce Meyer.

“Your neighbors are further and further apart even though we’re on a seven-mile island. This is a way to bring our neighbors together, for people in Anna Maria to get to know people in Bradenton Beach and Holmes Beach and vice versa,” Carter said.

“Peter’s message was about why people love their community. We feel that people love their community because of their relationships with other people and this is an opportunity for people to build new relationships,” Meyer said.

“We’re going to have live music. Will Corr and his band will be performing. We’re going to have all the Island mayors and people will talk about why we love living on Anna Maria. This is a little get together to thank each other for this wonderful Island,” Kingan said.

“We’ll have water, plates and napkins, so they don’t need to bring that. We’ll have tables, we’ll have it lighted, it’ll be festive and we’ll have decorations,” Carter said. “It’s being supported and promoted by the city of Anna Maria and the Anna Maria Island Sun. We have a banner up at City Pier Park and 15 or 20 signs out promoting the gathering,” Carter said.

“We’re hoping this becomes an annual event – the night before Thanksgiving, where people come out with whatever family members are visiting and have a gathering,” Kingan said.

Kingan said Thanks-Living might one day become a pot-luck dinner but for now, it’s simply a party and a chance for people to get to know one another.

Community chalkboard

The Thanks-Living gathering will feature a blackboard upon which people can share in chalk their thoughts about living on Anna Maria Island.

“A few years ago, there was a chalk festival on Pine Avenue and one of the most parts was a blackboard where people could draw and write their impressions about the chalk festival. So, I designed a free-standing, three-sided blackboard that says, ‘I love AMI because…’ at the top. We welcome anyone to write what they love about Anna Maria Island. Photographs will be taken and then it will be erased, put in storage and taken out for the next community event,” Kingan said. “I also have another prop – one of those things you put your head through and take a picture.”

Pier design conflict being addressed

Pier design conflict being addressed

ANNA MARIA – Mayor Dan Murphy is working to resolve the design conflicts recently discovered between the architect, Barron Schimberg, who designed the new pier buildings and the engineering firm, Ayres Associates, that designed and engineered the new city pier.

The design conflict pertains to the pitch of the new pier’s T-end decking for drainage purposes.

I+iconSoutheast built the pier walkway and support structure for the T-end decking, restaurant and bait shop.

Mason Martin Builders is building the exterior shells of the new pier buildings.

On Thursday, Oct. 31, Murphy met with several representatives to address the design conflict issues

The following day, Murphy sent an e-mail update to city commissioners bringing them up to speed on the results of the meeting. His email stated those who met with the mayor included Lisa Fleming from Ayres Associates, Schimberg, Mason Martin Builders owner Frank Agnelli, Building Official Luke Curtis and Eddie Miller from Infrastructure Solution Services, one of the city’s new city engineering firms.

“All proposed solutions associated with correcting this issue were identified and discussed. Some of the solutions require further details prior to implementation and any changes will be reviewed by our building official to ensure they meet code,” Murphy wrote.

“Another meeting will be held next week to nail down these details and a plan formulated to move forward. I will update you next week at the conclusion of that meeting,” Murphy’s email stated.

When contacted Friday afternoon, Murphy provided additional details.

“Schimberg designed it to be flat and Ayres designed it to be pitched, so there’s a difference of six or seven inches and that has to be compensated for,” Murphy said.

“It’s not a huge problem, but it’s a problem. So, they’re going to have to make some changes to buildings. It doesn’t look like it going be anything astronomical. They need to raise some of the door frames and probably pour concrete and drill a few holes in the platform to enhance the drainage,” Murphy explained.

“The city is not going to pay for any of that since it’s a problem between the design and the plans,” he added.

Murphy noted the new decking to be installed at the T-end of the pier will sit elevated above the concrete platform that serves as the base for the T-end buildings and decking.

Murphy was asked if the issues identified impact the work Mason Martin Builders has already done according to the plans they were provided with.

“Yes, he’s got door frames he’s probably going to have to move. There are other details that are going to have to be worked out. He’s probably going to have to level the flooring in the restaurant. It doesn’t appear to impact the walls at this point. There’s no plan to move any of the walls,” Murphy said.

Murphy was asked if these issues could further delay the anticipated pier opening in early 2020.

“That’s what we’re going to finalize next week. It depends upon the details of some of these things need to be done. I’m going to guess there might be some delay, but at this point, that’s pure speculation on my part,” Murphy said.

Related coverage

Pier issues present additional challenges

Pier lease negotiations remain in flux

Construction begins on pier buildings

Flynn versus Flynn: Battles on The Center pitch continue

Flynn versus Flynn: Battles on The Center pitch continue

The historical relationship between team sponsor and owner-player has changed over the last few years as the interest in being a business sponsor at The Center has grown, as has the interest in playing the sports.

In the past, for example, Ryan Moss would always play on team Moss Builders. Tyler Lancaster found himself on the Lancaster Designs roster. Team Sato Real Estate has been captained by Josh Sato or one of the other Sato brothers. The Ross Built squad included Greg Ross.

But times have changed and last week Sean Flynn found himself on the opposite side of the pitch against the team bearing his name, team Flynn Law. Representing MuniPlan, Flynn and his teammates fought hard against his namesake team, ending the night with team MuniPlan’s second loss of the season.

Despite goals by Nathan Kragt, Ashley Friszman and Flynn, Flynn Law dominated the field with goals by Danny Anderson, Zachary Lieb, Chris Scott, Nate Welch and Chris Culhane. Murat Akay was credited with a hat trick in the game along with the 14 incredible saves by goalie Robb Marshall.

The loss put MuniPlan in a three-way tie for fourth place halfway through the season with Ross Built Construction and Moss Builders.

Ross Built took the win 12-5 in the last game of the night against Moss Builders. Even with Jordan DeMers’ 11 saves, Kevin Roman’s four goals in the game were just too much for the Moss team.

Chris Chicaro, Greg Ross and Damir Glavin each put up two points in the game, with singles by Connor Bystrom and John Coleman for the win.

Mark Rudacille, Ross’ goalkeeper, had nine saves in the game with another three by Max Gazzo.

On the other side of the field, Moss Builders’ Gerardo Urbiola was the high scorer with three shots hitting the net. Eliza Faillice got two of her own and team captain Keith Mahoney scored one goal.

The second game of the night pitted Vacasa against Vintage Beach. The relatively young Vintage team pulled out the win 6-4 against the veteran Vacasa crew.

Vacasa’s Stetson Mathews lead his team in scoring with three goals to be paired with the single point by Eric Pullen.

Joseph Hutchison, team captain for Vintage Beach, put a point up on the scoreboard, along with Clancy Vaughn. Cody Wright and Zach Reda each eluded Trey Horne, Vacasa’s keeper, twice.

Playing without captain and field powerhouse Josh Sato, team Sato Real Estate only scored one goal shot by Olaf Krause.

The Blalock Walters’ defense, including the goalkeeping skills of Luke Grady, kept league high scorer Amy Ivin pretty well contained, preventing her from finding the net.

In the win, Matt Staggs, Greg DeMuse and Robbie Fellowes each scored a goal for the Blalock team, which put that team in first place at the mid-season point with a record of 3-0-1.

Related coverage

Vacasa and Lancaster Designs fall to MuniPlan

Former Island coach named to Hall of Fame

Big kids play the field: Fall adult soccer season kicks off

Castles in the Sand

Are condos the future of housing?

In case you haven’t noticed, interest rates are low, real low. Most rates for a 30-year fixed-rate mortgage are hovering around 4% based on credit scores and income to loan ratios. In spite of this, condo financing has always been somewhat of a poor stepchild to single-family home financing. New condo construction loans have been especially vulnerable to government regulations, but now The Federal Housing Administration has issued some new guidelines making available more advantageous condo financing programs.

FHA is trying to be more responsive to market conditions as well as accepting that condo units are being viewed more broadly as a way to provide affordable housing in many markets. Generally, single-family homes may not be accessible for first-time buyers and others who are trying to gain access to homeownership and condos nicely fill that need.

The new regulations are geared for new condo construction primarily but will also have an effect on the availability of condos for first-time buyers. Among other changes is one that has been a big issue for condo builders and that’s the owner-occupancy rate. The new FHA regulations have lowered the number of owner-occupancy rates as low as 35% from 50% before individuals can qualify for financing in new condo construction.

Condos are a big deal in Florida and in Manatee County. Although the number of condo sales was down in September for Manatee County, the sale prices were up, so let’s take a look at the county overall:

In September Manatee County closed 15.2% more single-family homes than last September. The median selling price for single-family was $315,000, 6.8% higher than last September. The average sale price was $381,577, 9.6% higher than last year.

Condo sales in September were down 8.6%, but the median sale price was up 6.7% to $199,000 and the average sale price was also up by 16.1% to $244,587. Both single-family and condos are low in inventory with the single-family home months supply at 3.3 months and condo months supply at 3.8 months. As a reminder, 5.5 months supply is the benchmark for a balanced market.

Sarasota County is also showing some increases in sales and pricing for single-family and condos. The median sale price for single-family in Sarasota increased by 6.4% to $298,000 and for condos, the median price decreased slightly by 1.8% to $232,000.

Statewide single-family homes reached a median of $265,000, an increase of 5.3%, and an average of $339,862, an increase of 4.9%. Condos statewide also increased with the median selling price at $193,000, a 5.8% increase, and an average of $261,532, a 1.3% increase.

All county and statewide statistics are from the Realtor Association of Sarasota and Manatee website.

Evidence continues to mount that condo sales will play a more significant role in the mortgage origination market in the next few years, according to CoreLogic. With a flood of millennials and other first-time homebuyers expected to soon enter the market for affordable housing, CoreLogic foresees a rising demand for condos in the near future.

Millennials aside, Florida is a hot market not only for retirees but homeowners relocating to a tax-friendly state with a lot of new construction and fundamentally great weather. But if you’re starting to think of relocating to the Sunshine State, you better get moving. Inventory is low, prices are high and interest rates are still historically low. Come on down!

More Castles in the Sand:

The ghosts of real estate

You found the perfect house; now what?

Is homeownership threatened?

Pier issues present additional challenges

Pier issues present additional challenges

ANNA MARIA – Mayor Dan Murphy will seek city commission authorization to prepare a request for proposals (RFP) for the potential lease of the city-owned restaurant and bait shop buildings being built on the new City Pier.

On Oct. 24, Murphy told the city commission that on Nov. 14 he would formally request authorization to prepare a pier lease RFP as part of the city’s ongoing efforts to secure a pier tenant.

In late September, Murphy emailed current pier tenant Mario Schoenfelder two options for a new 10-year lease.

Murphy proposed either an initial base rent of $21,600 per month or an initial base rent of $18,900 per month with an additional $250,000 up-front payment due upon signing.

Schoenfelder rejected those proposed terms and referred to his own previous offer to pay the city a base rent of $12,000 per month. Schoenfelder’s current lease expires in December 2020.

“His final offer is due to the city by December 13,” Murphy told the commission. “In case Mr. Schoenfelder’s offer is in fact rejected, I want to be prepared to quickly issue this RFP.”

Later in the week, Murphy was asked about the RFP process that could ensue if the commission rejects Schoenfelder’s final pier lease offer.

“Mario could bid it on it, as well as anyone else interested in having a restaurant on our pier if the commission authorizes putting it out for bid if Mario’s final offer doesn’t meet the needs of the city,” Murphy said.

“If it’s not in the best interest of the city, the commission could decide not to open a restaurant and use the space for other purposes. The city needs to get some sort of return on its investment over a 10-year span,” Murphy said.

Design conflict

During last week’s meeting, Murphy said a design conflict has arisen between the architect, Barron Schimberg, who designed the new pier buildings and the engineering firm, Ayres Associates, that designed and engineered the new pier.

“I have a meeting tomorrow to get to the bottom of all of that, to see exactly where the responsibility lies, as well as the scope of any delay it may cause us,” Murphy told the commission.

“Hopefully it will be a minor issue,” he added, noting that he would not publicly speculate on the exact nature of the design conflict.

On Friday, Oct. 25, Murphy issued an email stating his meeting with the architect and the engineers was delayed until Thursday, Oct. 31 because one of the parties was unavailable.

“We’ve got a plan to address any issues and I’m still investigating this,” Murphy said on Friday.

Interior build-out

During last week’s meeting, Murphy announced that Mason Martin Builders, the firm constructing the new pier buildings, has retracted its option to complete the interior build-out of those structures.

That decision came in the wake of a recent email exchange between Murphy and Schoenfelder in which Schoenfelder said he felt he was being forced to use the city’s contractor of choice to complete the interior build-outs of the spaces he hoped to lease.

Murphy told Schoenfelder he would not be obligated to use the city’s contractor for the interior build-outs and was free to get estimates from other contractors even though that could further delay the opening of the restaurant and bait shop in 2020.

Related coverage

Pier lease negotiations remain in flux

Commission clarifies pier lease parameters

Pier lease talks gain momentum

Vacasa and Lancaster Designs fall to MuniPlan

Vacasa and Lancaster Designs fall to MuniPlan

Week two of the adult co-ed soccer season saw back-to-back night action on The Center’s pitch. Sato Real Estate and MuniPlan were the only two teams to capture two wins in the week.

Sato Real Estate, currently undefeated with a record of 3-0, is followed closely by the powerhouse Blalock Walters team. Moss Builders and MuniPlan round out the leaderboard with records of 2-1.

Winning both of their games last week was critical for the start of the season for MuniPlan.

Coming off of a loss last week, MuniPlan came on the field looking for their first win of the season. Despite Vacasa’s Trey Horne’s 11 saves, the team could not find the net enough times, losing to MuniPlan 2-4, with Jessica Williams scoring the only goals for her team.

MuniPlan started to gel as a team last Wednesday night against Vacasa with single goals by Nathan Kragt and Ryan Hogan. Teammate Sean Flynn, co-founder of Flynn Law, P.A., scored the other two goals in the game for the win.

Without the number one pick Kragt and one of last season’s high scorers Ashley Friszman, the MuniPlan squad handily took on team Lancaster Designs, with late add-on goalkeeper Edgar Bartolon who had 15 saves in Thursday night’s game.

Team MuniPlan utilized the goalkeeping skills of three of their players, Ben Sato, Flynn and Mark Long, who are versatile enough to make a difference in goal and on the field.

The MuniPlan team also spread the joy in goal scoring with Flynn, Hogan and Steve Oelfke, credited with single goals each. Sato and Zach Long, brother of Mark, both had two goals in the game.

Scoring Thursday night for Lancaster Design was limited to Juan Carlos and Rico Beissert, who played goalie last week for his team.

Sato Real Estate’s Amy Ivin scored five goals in Wednesday night’s game against Moss Builders. Connor Bystrom got a hat trick for Ross Built Construction, along with three goals for Flynn Law’s Chris Scott, returning to the league this season after an injury.

Thursday night Moss Builders’ Keith Mahoney and Gerardo Urbiola both had three goals contributing to their team’s win. Vintage Beach’s Joseph Hutchinson found the net three times against Blalock Walters.

League high scorer Ivin, with a total of 11 goals in the first three games, capped off the night with three more goals for the week, showing why she is the top female pick in the league season after season.

Related coverage

Big kids play the field: Fall adult soccer season kicks off

HSH Designs’ kiddos remain undefeated on the pitch

Shootout at The Center: Ugly Grouper takes indoor soccer championship

Castles in the Sand

The ghosts of real estate

I never really believed in ghosts and evil spirits. It was always fun to talk about other people’s experiences at parties but since I never had any first-hand knowledge it was just that, fun until it wasn’t.

Anna Maria Island has its share of ghost sightings including haunted restaurants, even one with a ghost cat. Hotels have had sightings – how about a bride ghost – and, of course, Coquina Beach has its resident ghost. Naturally, some clever entrepreneurs have packaged these events into entertaining tours around the Island, so you can get up close and personal. But if you’re selling your property and you think you may have a ghost, what do you do?

Thankfully, Florida absolves property owners of the responsibility of disclosing paranormal activity in homes or the fact that a crime was committed in a home. In addition, the seller does not even have to disclose that their property was suspected to be the site of a crime. Further, a seller has no obligation to disclose homicides, suicides or deaths that occurred on the property. Basically, you can sell your property with all the ghosts, ghouls and goblins as an added bonus.

Florida is one of more than 20 states with laws that say agents and sellers won’t be held liable for failing to mention that 20 years earlier a wife stabbed her husband in the home’s master bedroom, for instance, or the possibility of paranormal activity. Our state does not consider these events material facts and therefore property owners are not subject to possible lawsuits down the road; you can do absolutely nothing within the law. However, in plenty of other states, you may be legally required to say something about your haunted house, deaths, suicides or crimes.

To me it does sound a little unnecessary to disclose deaths in a property; after all, how does an aged grandfather dying comfortably in his bed impact the structural integrity of a home. Even more unfair is a home that has no past history, but rumors have taken over facts and turned it into a stigmatized property that now has to be disclosed to potential buyers. This has happened in cases of celebrity or well-publicized events like the home where JonBenet Ramsey lived. Owners of some so-called stigmatized properties have even resorted to changing the property address in an effort to remove some of the stigma. Unfortunately, since you can’t prove the unproven, sellers are stuck and must disclose in states that require it.

As a general rule, it’s always better to disclose everything you know about a home, whether or not the law requires it. It will give your buyer a sense of honesty that is always important in a business transaction and will allow you to move out with a clear conscience knowing you’ve done the right thing.

My up close and personal ghost experience happened in a 17th-century hotel in Rome. Although I never actually saw a spirit, they did move several things around and made a copy of The New York Times disappear and then reappear in the exact spot. It was enough to give me the creeps and start paying closer attention to cocktail party talk.

If you’re selling your home and you think that it may be stigmatized in any way, ethics should prevail; if it makes you uncomfortable probably a good thing to disclose it even though you’re not obligated. Have a boo time on Halloween!

More Castles in the Sand:

You found the perfect house; now what?

Is homeownership threatened?

Real estate market disruption

Bayfest 2.0 carries on despite Nestor

Bayfest 2.0 carries on despite Nestor

ANNA MARIA – As the wind whipped across the Island Friday, Anna Maria Island Chamber of Commerce President Terry Kinder knew that Bayfest, the Chamber’s signature fundraiser, was in jeopardy of missing a year for the first time in its 19-year run.

After a meeting with Anna Maria Mayor Dan Murphy and representatives from arts and crafts vendors, food vendors and others, the decision was made to hold the event at The Center of Anna Maria Island. Due to space constraints, there were no craft vendors, auto show or kid’s zone, but the adults came out to listen to local musicians and enjoy the food, drinks and company of their fellow islanders indoors, away from the storm.

The majority of musical acts planned for the main stage at Bayfest embraced the new venue, including the popular Dr. Dave Band. Three local restaurants, The Fest, Tortilla Bay and The Ugly Grouper, all stepped up to provide food and drinks for the festivities along with other vendors providing sodas and beer.

The start time of noon allowed some of the water flooding the streets from the passage of Tropical Storm Nestor to drain away and locals and visitors alike came out to The Center to celebrate Bayfest and dance the night away, at least until 9 p.m. Though it wasn’t the Bayfest that locals have come to know and love, it proved that the Island community will come together to support each other against all odds, and that a little rain can’t stop the party on Anna Maria Island.

“Looks like a good crowd, considering all we went through,” said Corinn Tippett, a server at The Feast booth.

Nestor did little damage on the Island and Bayfest went on despite the odds against it. For their part, the members of the Chamber hope to not have to deal with temperamental weather during next year’s festivities and return the fundraiser to its traditional Pine Avenue venue.

“We knew we weren’t going to recover (financially) from this, but we had a one-day liquor license and we had to use it Saturday,” said Kinder. “Perhaps we won’t have to deal with this ever again. At least I hope not.”

Big kids play the field: Fall adult soccer season kicks off

Big kids play the field: Fall adult soccer season kicks off

The adult co-ed fall soccer season is underway with the first kickoff between Sato Real Estate and a new sponsor with team Vintage Beach led by team captain Joseph Hutchison.

The game looked like it would be a runaway by Josh Sato’s Sato Real Estate. The Center’s Sports Program Coordinator, Tim Holly, scored the first goal of the season to put Sato’s team up on the scoreboard early.

Holly, who grew up playing sports at the Island’s community center as a youth, was also credited with his own goal, giving Vintage Beach momentum after the 4-0 run by Sato Real Estate.

With additional points on the board by Sato, Nate Talucci, two by newcomer Race Aranda and a hat trick by veteran and top pick female player Amy Ivin, Sato Real Estate eked out the victory with the final score 7-6.

Vintage Beach’s captain had three goals of his own, along with two by league rookie Zach Reda and a solo net shot by Juan Alvarez.

Sato Real Estate’s Olaf Krause was credited with 11 saves as the team’s keeper. Meanwhile on the other side of the field, Vintage spread the defensive duties at goal between Hutchison, Clancy Vaughn, Reda and Cole Peterson, each with saves in the record book.

Ross Built Construction finished their first game of the season looking like one of the teams to beat against team Vacasa.

Vacasa playing without their starting goalkeeper, Trey Horne, Ross Built’s Lexi Sato and Damir Glavan both had three goals in the game, with Kevin Roman finding the net twice and team captain Greg Ross putting up a point of his own. Sato’s goals came in the first five minutes of the game.

Goalie Mark Rudacille stopped 11 shots against him by the Vacasa crew. Captain Stetson Mathews shot a goal for his Vacasa team, along with single goals by Nick Bouchard, Jessica Williams and Lyn Clarke.

The Center’s Associate Director, Connor Haughey, was credited with two goals and two assists in the game for Vacasa, with back-up goalie David Greene making 12 saves in the game.

The strong offensive work by Ross Built Construction gave the team the win with the score 9-6.

The third game of the night was a runaway encounter with Moss Builders coming out on top with seven goals in the game. Keith Mahoney, team captain, had a hat trick to be matched by teammate Gerardo Urbiola. Moss Builders co-owner, Ryan Moss, put up a goal of his own.

The strong Moss Builders’ defense kept the soccer ball away from their goalkeeper, Jordan DeMers, limiting his need to make saves. His eight saves and two misses, with goals by Lancaster Designs’ Miguel Ajoy and Drew Jacobsen, gave Moss Builders the win with the score 7-2.

League favorite Rico Beissert played goalie for Lancaster Designs. Beissert showed everyone why he is just as strong protecting the house, with 14 saves, as he is on the open field.

The standout squad sponsored by Blalock Walters took the final win of the night against team MuniPlan. The team, with a new sponsor to the center, held their own against a faster squad, ending the game with the score 4-2.

Ben Sato and Sean Flynn shared the goalkeeper position for MuniPlan, with nine and six saves, respectively. Flynn was the first to score for his team, to be followed late in the game by a net shot by Nathan Kragt.

League newbie Luke Grady made 11 saves for Blalock Walters to be supported with goals by captain Matt Staggs, Robbie Fellowes and Brooke Capparelli, who also grew up playing sports at The Center for years.

With a bye week, Flynn Law has yet to show everyone their potential in a season that looks to be well-matched leading up to the championship game on Dec. 19.

Related coverage

HSH Designs’ kiddos remain undefeated on the pitch

Shootout at The Center: Ugly Grouper takes indoor soccer championship

Gulfview Windows and Doors wins championships

Pier lease negotiations remain in flux

Pier lease negotiations remain in flux

ANNA MARIA – City Pier tenant Mario Schoenfelder has rejected Mayor Dan Murphy’s proposed rental rates for the new pier-based restaurant and bait shop currently under construction.

On Sept. 30, Murphy emailed Schoenfelder two options for a new 10-year lease with two five-year extensions. Option 1 proposes a base rent of $21,600 per month, with either a 3% annual increase or an annual adjustment based on the Consumer Price Index (CPI). Option 2 proposes a base rent of $18,900 per month, a $250,000 up-front payment due upon signing and the same annual 3% increase or CPI adjustment.

Neither base rent option includes the still-undetermined additional rent the tenant will pay for the shared maintenance of the new pier facilities.

On Oct. 4, Schoenfelder sent Murphy an email response that said, “I am sorry, but neither a base rent of $21,600 nor of $18,900 is acceptable for me. Amounts like this would eat up almost my whole expected income and there would be absolutely no room to build financial reserves, which are a must.”

Schoenfelder’s email referenced the lease agreement the Anna Maria Oyster Bar (AMOB) has with the city of Bradenton Beach for the restaurant space at the foot of the Bridge Street Pier. His calculations also took into account two additional spaces AMOB leases from the city and subleases to other tenants.

“You are asking for $259,200/$226,800, that is three to four times the AMOB rent and both restaurants are comparable in size/number of seats. And that’s just the base rent. I am referring to my offer which is $12,000 monthly that is still more than twice what AMOB pays. It does not make sense, at least for me, to offer a rent that cannot be realized by sufficient revenue and income on a sustained basis,” Schoenfelder wrote.

According to the 2015 lease, AMOB agreed to pay the city of Bradenton Beach $32,000 in base rent for the first year, plus 2% of gross revenues. In years two through five, the base rent is $42,000 ($3,500 per month), plus 2% of gross revenues. In 2021, AMOB’s annual base rent will begin increasing by 3% per year.

Current lease

In 2000, Schoenfelder signed the pier lease that required him to pay an initial base rent of $5,000 per month and included pre-determined rent increases every two or three years.

According to that lease, Schoenfelder was paying $9,240 per month in September 2017 when the hurricane-damaged pier and pier buildings were closed. Schoenfelder’s rent payments were then suspended and remain suspended until the new pier facilities are available.

Schoenfelder’s current lease calls for him to pay $10,080 per month from Dec. 16, 2018, until Dec. 15, 2020, when his lease expires.

Murphy recently told the commission he expects the exterior shells of the new bait shop and restaurant buildings to be completed by Mason Martin Builders in January or early February, with the interior build-out of those spaces to follow.

If Schoenfelder and the city cannot agree to a new lease, this could create a potential scenario in which the pier buildings would be available for interior build-out by a tenant who would only have 10 months remaining on his existing lease.

Additional concerns

On Oct. 16, 17 and 18, Murphy and Schoenfelder participated in an email exchange that addressed Schoenfelder’s desire to use a contractor other than Mason Martin Builders for the interior build-outs.

In that exchange, Schoenfelder suggested he was being forced to use the city’s chosen contractor. Murphy countered by stating that Mason Martin is contracted to build the exterior building shells and is not contracted to do the interior build-outs. Both men agreed that using a different contractor for the interior build-out could result in at least four more weeks of additional delays.

In his Oct. 17 email to Murphy, Schoenfelder wrote, “I don’t want to be pushed to make an offer that is not based on reliable facts and I don’t want to be made accountable for the delay created by a contractor the city has chosen. At this point, I cannot provide a new date for presenting my offer.”

In his Oct. 18 response, Murphy wrote, “I strongly recommend that you secure other contractor (or contractors) immediately to provide their estimates as to the costs involved so that you are comfortable with the financials. Accordingly, I would recommend you plan to tender your final offer in eight weeks, by December 13.”

Related coverage

Commission clarifies pier lease parameters

Pier lease talks gain momentum

Castles in the Sand

You found the perfect house; now what?

You may think it’s finally over – you found your dream home, your forever home or your long-dreamed-of beach house. But guess what, unless you have lots of cash in your checking account, you will have to apply for a mortgage.

There have been for many, many years two basic types of mortgages, the fixed-rate mortgage and the adjustable-rate mortgage or ARM. The fixed-rate mortgage is just that – your principal and interest payment are fixed for the life of the mortgage or until you sell the property and satisfy the mortgage balance. Fixed-rate mortgages give you a set amount of money every month to budget for and builds equity for a home that you feel will be a long-term purchase. Building equity will also give you the option of refinancing in the future if rates go down possibly resulting in a lower monthly mortgage payment.

Adjustable-rate mortgages are typically a fixed rate for a specific number of years, for example, 5 years, and then are adjusted annually either up or down. Generally, adjustable-rate mortgages start at a lower rate than a fixed rate, but you take the risk of monthly payments increasing substantially as the rates fluctuate after the fixed number of years has been reached.

Adjustable-rate loans could be a good choice if you’re planning on selling your home within a short period of time prior to when the fixed-rate term expires. However, this type of mortgage does not build much, if any, equity, a consideration in a real estate market that may be on the way down.

Whichever type of mortgage you choose, the amount of money you put down will influence the rate you are offered. A 20% or higher down payment will likely provide the best mortgage rates and the most options as well as substantially reducing the risk of the home not appraising.

Putting down between 5% and 19% will put you in the position of having to pay a higher interest rate and/or fees. In addition, lenders most likely will require private mortgage insurance (PMI). Private mortgage insurance is an insurance policy that allows you to make a lower down payment by insuring the lender against loss if you don’t make your mortgage payments. A lower down payment could be a good thing for buyers with little cash or if the home requires work and the cash to do it. PMI payments start going down after equity has built up in the home.

Finally, there are no-down-payment or small-down-payment loan programs which are more expensive but are an alternative. If you or someone in your family are trying to get into a home with little cash, they should research FHA loans or, if qualified, VA loans, both with low down payment options.

Two things you should try and avoid in-home financing are balloon payments and prepayment penalties. Balloon payments are a large payment required usually at the end of the loan repayment period with varying amounts based on the terms of the loan. Prepayment penalties are an amount required if you refinance, pay off your loan early or sell your home. And one nice little trick to help you pay off your mortgage sooner and build equity is to make extra payments during the course of the year.

Once you find the perfect mortgage and get through the mortgage qualifying maze, you’re ready to enjoy your perfect home; I hope for you, it’s the beach house.

More Castles in the Sand:

Is homeownership threatened?

Real estate market disruption

Fee-fi-fo-fum, do I smell a recovery?

Anna Maria farmers’ market returns

Anna Maria farmers market returns

ANNA MARIA – The city of Anna Maria’s weekly farmers market is back. The seasonal market opened its third year of operations at City Pier Park on Tuesday, Oct. 15.

From now until mid-May, the farmers’ market will continue every Tuesday at City Pier Park, weather permitting, from 8:30 a.m. until 2 p.m. – with the exception of Christmas Eve, on Tuesday, Dec. 24.

City Pier Park is located at the corner of Pine Avenue and North Bay Boulevard.

“We’re excited to have the market up and running with the majority of our vendors back with us. Our new vendor, Dominga’s Flowers, is a nice addition to an already great product variety. From all accounts everyone was very happy with the opening day turnout and looking forward to another great season,” market manager Debbie Haynes said.

Anna Maria farmers’ market returns
Dominga’s Flowers is a new addition to the market. – Joe Hendricks | Sun

The opening day vendors included Fibela Produce, Milagros Produce, Tillman Produce, Bella’s Gourmet Cuisine, Dominga’s Flowers, Hahn’s Gourmet Kettle Corn, Holy Paradise Guacamole, Meli Gusto gourmet products, Mr. Fun Guy’s Mushroom Store & More, Painting With a Fish, Saucy Guys and the Anna Maria Island Turtle Watch and Shorebird Monitoring organization.

Anna Maria farmers’ market returns
Peas, mushrooms and more can be found at the city of Anna Maria’s farmers market each Tuesday. – Joe Hendricks | Sun

“I can walk right down the street and go to the market. It’s so convenient,” Anna Maria resident Lynn French said while purchasing tomatoes, radishes and raw turmeric from Tillman Produce. French said raw turmeric is hard to find and Tillman noted he’s one of the three-year-old market’s original vendors.

Anna Maria farmers’ market returns
Tillman Produce was selling hard-to-find raw turmeric. – Joe Hendricks | Sun

Market visitors Aisling, Noleen and Niamh McQuaid purchased fresh banana bread before making their return trip to Boston later that day.

“It’s fabulous,” Noleen McQuaid said of the bread, and of the market she and her daughters have visited before.

Selling hot sauces, local honey, spice mixes and more, Saucy Guys vendor Neil Currie said, “We’ve been here since the beginning. It’s a great market. We love it. We’ve met some great people out here – and a lot of people from all over the country that buy from our online store when they’re back home.”

Anna Maria farmers’ market returns
Saucy Guys Jim Brannon and Neil Currie are among the market’s original vendors. – Joe Hendricks | Sun

Currie’s business partner Jim Brannon said, “Right now I have orange blossom honey. Everybody kept asking for it, but it’s been hard to come by. I finally got some yesterday.”

“It’s beautiful here,” vendor Angelo Cannistraci said while working his first Anna Maria market selling mushrooms and more at Bill Nelms’ Mr. Fun Guy tent.

“It’s a fantastic market,” Holy Paradise Guacamole vendor Michael Valdes said, noting his offerings included fresh guacamole, tomato salsa and pineapple-mango salsa.

Milagros Produce vendor Tony Martinez was assisted by his seven-year-old son, Aidenn, and another family member.

Anna Maria farmers’ market returns
Milagros Produce vendor Tony Martinez and his seven-year-old son, Aidenn. – Joe Hendricks | Sun

At her Painting With a Fish tent, Kelly Hunt explained how she presses raw fish into paint and then onto canvas to create her art.

“All my fish are caught locally around Anna Maria Island. I’m big on conservation. I don’t use the fish once and throw it out. I refreeze it and use it for my classes at the Florida Maritime Museum,” Hunt said.

Anna Maria farmers’ market returns
Kelly Hunt displays her fish paintings. – Joe Hendricks | Sun

Hunt also sells T-shirts that contain prints of her work and the GPS coordinates of where that particular fish was caught.

She also had on hand a few copies of the book G.B. Knowles wrote with and about her father, charter fishing Captain Scott Moore: “Captain Scott Moore’s Snook Fishing Secrets.”

Moore dropped by to visit his daughter and while there he signed a copy of the book an out-of-state visitor was buying for her oldest son.

Anna Maria farmers’ market returns
Scott Moore signed a copy of “Captain Scott Moore’s Snook Fishing Secrets” for these out-of-town visitors while visiting the Anna Maria farmers market last week. – Joe Hendricks | Sun

Storm moves Bayfest inside to The Center

ANNA MARIA – Tropical Storm Nestor is pushing Saturday’s Bayfest indoors from its traditional Pine Avenue location to The Center of Anna Maria Island, 407 Magnolia Ave.

The free festival, scheduled for Saturday, Oct. 19, will begin at noon instead of 10 a.m., and remain open until 9 p.m.

The classic car show and arts and crafts vendors are canceled, according to the Anna Maria Island Chamber of Commerce.

But “Bayfest 2.0 – Reimagined!” will still offer live music with the Trevor Bystrom Band, Memphis Rub, soulRcoaster, the Dr. Dave Band and the Karen & Jimmy Band, with Mike Sales as emcee.

A limited number of food vendors and a beer truck will be at The Center. No coolers or outside alcohol are allowed.

Parking and shuttles to and from The Center will be available at CrossPointe Fellowship, 8605 Gulf Drive in Holmes Beach and Roser Memorial Church, 512 Pine Ave. in Anna Maria.

The decision to relocate the festival was made because the storm could produce torrential downpours and local flooding, according to chamber officials.

Tropical storm Nestor, currently over the central Gulf of Mexico, is moving northeast at 22 mph and is expected to reach the Florida Panhandle early Saturday morning. Primary concerns along Florida’s west coast are heavy rainfall and minor to moderate coastal flooding, especially from Tampa Bay north, according to the National Weather Service’s p.m. report.