St. Augustine Beaches News Journal

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St. Augustine Beaches News Journal
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Saint Augustine Beaches News Journal
Beaches News Journal
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Logsdon, Cliff
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St. Agustine Beach, Florida
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Beaches News Journal P.O. Box 51593 Jacksonville Beach, FL 32240 News Journal St.Au Photo Finish Things that go bump in the Night Whats Inside The This Month What is a short sale? PRSRT SDT US POSTAGE PAID CALLAHAN, FL PERMIT #4 NEWS FOR AND ABOUT RESIDENTS OF THE ST. AUGUSTINE BEACHES AREA Should You Prepare for Fiscal Cliff? An Ode Part II October 2012 St.AugustineBeaches 4. Appointed Ms. Jessica Born as the junior alternate to the Code Enforcement Board. 5. Approved permits for two large weddings on the beach, and for Flagler College's American Heart Walk on the beach on September 29, 2012. 6. Approved a proclamation to declare Friday, September 21, 2012 as The International Day of Peace. 7. Approved the concept of possibly moving the community garden from two plazas on 2nd Avenue between A and 1st Streets to a location east of the dog park in Ron Parker Park. owners within 300 feet of the Ron Parker Park site of the possible relocation of the garden to that site. 8. Tabled the proposed pedestrian safety signal that was to be located at the intersection of Pope Road and A1A Beach Boulevard. (continued page 3) What ARE Market Linked CDs? Halloween Safety-12th Annual Horror Zone Opening At its August 27, 2012 continuation of its August 6th meeting, and at its September 10, 2012 regular meeting, the St. Augustine Beach City Commission made the following decisions: that sets the property tax millage for Fiscal Year 2013 and the ordinance that adopts the city's FY 13 budget. The millage is 2.3992 mills, or $2.3992 for every $1,000 worth of the value of a property. This is the same millage the city had for FY 12, which ends September 30, 2012. The city's FY 13 proposed budget totals $6,584,021. The commission will hold a special meeting on September 24th. 2. Witnessed the swearing in of Police police sergeant. 3. Presented a plaque to Police Sergeant Gary Hartshorne for 15 years of employment with the city. CITY HALL UPDATE Please join for a candlelight vigil on Thursday, October 4, 2012, 7:00 pm Downtown St. Augustine in the Plaza de la Constitucion, as we honor survivors of Domestic Violence and the women, men and children who were murdered in St. Johns County in acts of domestic Violence. The Silent Witness exhibit that will be displayed is made of red, life size silhouettes each representing a person who once lived, worked, had (continued on page 6) Domestic Violence Awareness Month Candlelight Vigil The ghouls and goblins will be out early on St. Augustine Beach Nov. 3, Hospice. The event takes place at Butler Park, 5860 A1A South, and starts with an 8 a.m. 5K race. Registration for the 5K gets participants a T-shirt and an invitation to the post-run party with live music, food, drinks, expo booths, awards ceremony and more. And everyone should come dressed for the occasion to participate in the individual and team costume contest after the 5k. Theres also a 1-mile Kid's Costume Fun Run for the junior ghouls and goblins. Fun-run registration includes food, drink and children's activities. There are activities planned for the non-runners too. They can purchase a post-party-only ticket, as well as support the runners and a great cause. Also, anybody interested is invited to participate in the post-event beach clean-up. This is shaping up to be a great event, said Haven Hospice St. Augustine Administrator Jill theme, a fun atmosphere and an early morning run on the beach? All proceeds from this event will remain in the Hospice. Runners can register in advance by going to http://www.havenhospice.org/ monsterdashandcreepycrawl.aspx for information. Day-of-race registration begins at 6:30 a.m. Those interested can go to the same link http://www.havenhospice.org/ monsterdashandcreepycrawl.aspx to learn how to become a sponsor. providing services since 1979 and licensed in Florida since 1980. Haven is North Florida's expert in end-of-life and palliative care, receiving national recognition as a Circle of Life Award Recipient from the American Hospital Association for its excellence and innovation. Haven has also been recognized as a Florida Pacesetter for its leadership in promoting advance directives. For more than 30 years Haven has had the honor and privilege to serve over 60,000 patients and families in North Florida. For more information, visit www. havenhospice.org or call 800-727-1889. Monster Dash and Creepy Crawl Mothers Make The World Go Round

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St. Augustine Beaches News Journal October 2012 2 News From Around St. Johns County St. Augustine Crescent Beach ATLANTIC OCEAN St. Augustine Beach St. Augustine Shores PO Box 51593, Jacksonville Beach, FL 32240 Todd Logsdon General Manager (904) 424-4730 Email: beachesnewsjournal@yahoo.com Cliff Logsdon Publisher/Editor (904) 607-1410 Email: clogsdon1@yahoo.com Online at www.beachesnewsjournal.com News Journal St.AugustineBeaches The function of the Beaches News Journal is to serve the Neighborhoods of the St. Augustine Beaches area. First priority will be given to reporting news and activities of beaches residents and organiza tions, as well as news and events that directly affect the St. Augustine Beaches community. Second priority will be given to articles of general interest as space permits. Articles or information may be sent to the Beaches News Journal, P.O. Box 51593, Jackson ville Beach, Florida 32240. Information may also be e-mailed to beachesnewsjournal@yahoo.com or the editor at clogsdon1@yahoo.com. All articles, news, ads, or other informa tion submitted to the News Journal are subject to editing. Publishing of submitted letters and information is at the discretion of the publisher. Views and opinions expressed are those of the writer and do not express the viewpoint of the publisher or editorial staff of the News Journal. All ads submitted for publication in the Beaches News Journal should be received by the 15th of the month in order to appear in the following months issue. Matters concerning should be referred to the General Manager or mailed to P.O. Box 51593 Jacksonville Beach, FL 32240. The Beaches News Journals acceptance of advertising, articles, advertising, or other infor mation does not constitute endorsement. Nor will the Beaches News Journal and its staff be held liable for information provided herein by submit ters, including websites and/or emails listed, that may have the potential to constitue fraud or other violation of law. The publisher reserves the right to refuse advertising or information that does not meet the publications standards. The Beaches News Journal is published by an any St. Augustine Beach community develop ment, management company or Homeowners Association. City of St. Augustine Beach St. Augustine Beaches News Journal Mayor S. Gary Snodgrass City Manager Max Royle www.staugbch.com sabadmin@cityofsab.org City of St. Augustine Beach Celebrate Breast Cancer Awareness with us on Saturday October 13th Proud Sponsor of Drawing for a HERSEYS KISSES Breast Cancer Awareness Neckless 904-471-1023 www.cartersjewelry.net Note from the Editor Political Endorsements It is time for the political season again. We do not endorse any candidates, positions, political ads, articles, and information submitted is solely the responsibility of the writer or source information contributor. Any endorsements and openions should be the newspaper, it will be made by the owner and/or Publisher. Thank you. Thursday, October 18th and Saturday, October 20th, 2012 is the 3rd Annual Historical Ghost Walking Tour. This event, sponsored by Ancient City Tours, will meet at Love Tree Cottage, 6 Cordova Street, Saint Augustine, FL 32084 at 8pm. Costumed tour guides will lead visitors on a 90-minute walking tour through Saint Augustines Historic District, famous for its ghostly encounters and ghastly legends. Ancient City Tours will donate all proceeds of these eerie evenings to EFOF. Money raised will stay in Northeast Florida to 18th and $7 clients, $20 per person Saturday 20th and $15 clients. RSVPs must be made by October 10, 2012. Tickets can be purchased on-line at EFOF.kintera.org/GhostWalk. and overcome challenges created by epilepsy. EFOF was established in 1971 as a not-foroffering services to the estimated 375,000 Floridians with epilepsy/seizure disorders and their families. Services include medical care, prevention and education, case management, psychological evaluations and counseling, support groups, childrens camps and family weekend retreats, and advocacy for persons with epilepsy. Project Access is a national initiative funded by the Maternal and Child Health Bureau of the Health Resources Services Administration (HRSA) to improve access to coordinated, comprehensive care for children and youth with epilepsy in medically underserved and rural areas. State agencies, health care providers, schools, and other community organizations work together to increase awareness and connect families to available resources through community-based service systems. EFOF is proud to be one of six grantees implementing this program throughout the nation. Epilepsy Foundation of Florida October 6: HOSTS MONTHLY EVENING PROGRAMS The Florida Department of Environmental Protections Anastasia State Park will host a turtles to star gazing. Join us as a Park Ranger or Volunteer conducts a program on various topics relating to Anastasia State Park. Examples of topics include Sea Turtles, Park History, Birds, Seashells, The Spanish Coquina Quarry and more. The monthly program will take place outdoors in an understand the unique reasons why we care for this natural treasure! These programs are free with paid park admission. This months program will take place: 7 p.m. Saturday, October 6, 2012 October 9: BIRD WALK Anastasia State Park will host a Bird Walk offered for all levels of birding. This spectacular of spring migration, participants will observe a diverse variety of birds of the shore, birds of the marsh, and birds of the hammock. Suggested items to bring are binoculars, comfortable walking paid park admission. The event will take place at 8:30 a.m-10:30 a.m. Sunday October 9, 2012. October 20: SALT RUN CHALLENGE Anastasia State Park, in partnership with Anastasia Watersports and The Friends of Anastasia healthy lifestyles. During this inaugural event, there will be a kayak and stand up paddleboard race. Two races will be held along the marked corridor of Salt Run, a one mile and a two mile. The Registration fee is $15.00 per person prior to October 13, and $20.00 after October 13, 2012. Proceeds will be donated to the Friends of Anastasia State Park. A costume contest and prizes will also be awarded, so participants are encouraged to dress up in their favorite Halloween costume. A fun bag will be handed out to each participant, T-shirts with the event logo will be available for purchase, and there will be an oyster roast and drinks for purchase. Live music will be provided under the pavilion. In order to register go to saltrunchallenge/facebook or e-mail saltrunchallenge@gmail. com. This program will take place October 20, 2012 from 10:00 a.m.2:00 p.m. October 27: TAKE A WALK ON THE WILD SIDE Anastasia State Park will host a Walk on the Wild Side, allowing participants to experience various coastal habitats within Anastasia State Park. Join a Park Ranger at 9 a.m. on the last Saturday of each month at Anastasia State Park to observe what life is like on the wild side. This walk starts out with a leisurely stroll through the Maritime Hammock, continuing along Salt Run--our estuarine habitat-then having an intermission and rest room break at the windsurf pavilion. The walk will continue from ecosystems of Anastasia, and have an opportunity to increase their knowledge of the parks history and the surrounding area. The full length of the walk is 2.5 miles, round trip. Participants Suggested items to bring are binoculars, comfortable walking shoes, camera, drinking water, bug spray, and sunscreen. This program is free with paid park admission. Meet at the Ranger Station. This program will take place at 9 a.m. Saturday, October 27, 2012, PHOTOGRAPHY CONTEST Anastasia State Park photography contest will end November 15, 2012. With an amateur or professional, is sure to have a matchless experience capturing pictures at this breathtaking park. Pictures must be taken during the time frame of August 15, 2012-November 15, 2012, with a copy of your entry receipt submitted with each photography entry form. Winners will be selected by a unique panel of judges including our Friends of Anastasia Board of Directors, Park Managers, and other various Park Staff. Prizes will be awarded, and winners will be announced on or before December 15, 2012. Categories are 1) Wildlife 2) Landscapes 3) anastasiaphotographycontest.weebly.com. Anastasia State Parks goal is to provide access for people of all abilities. If you have any special needs, please contact park staff at (904) 461-2033 before your arrival. Accessible parking at 1340A A1A South, St. Augustine, FL 32080. Have News? news and information about the Anastasia Island area. interest to the General Manager or Publisher/Editor. email:beachesnewsjournal@yahoo.com Phone: 904-604-1410

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St. Augustine Beaches News Journal October 2012 3 City Hall Update MICHAEL A. DAGOSTINO, O.D. ELIZABETH K. MCLEOD, M.D. MEDICARE PARTICIPANTS ACCEPTING NEW PATIENTS 1400 U.S. Highway 1 South 829-2286 TODD P. THOMPSON, M.D. PAUL W. HUND, III, M.D. N. PATRICK HALE, M.D. Best Vision Center 10 Years WE ACCEPT MEDICARE, BLUE CROSS & BLUE SHIELD, UNITED, CIGNA, AND MOST MAJOR MEDICAL HEALTH PLANS. TODD HOCKETT, O.D. 319 West Town Place, World Golf Village 940-9200 RUSSELL W. NELLIGAN, M.D.* *Cornea Specialist (continued from page 1) 9. Approved holding a "shade" meeting on Monday, September 24th, to discuss a proposal from the police union. 10. Approved the use of the commission meeting room as a voting site for the November 6, 2012 general election. 11. Approved holding the November regular commission meeting on Tuesday, November 13, 2012 because the meeting room won't be available on Monday, November 5th because the room will be used for early voting. 12. Took no action on a proposal to have city lapel pins to promote economic development. 13. Approved three budget resolutions to amend the Fiscal Year 2012 budget. 14. Took no action on the topic of individual city commissioners involved in legal matters that may concern the entire commission. 15. Directed the city attorney and the city manager to clarify whether it takes a simple The commission continued discussion of a number of topics on the agenda for its September 10th meeting to its special meeting on Monday, September 24th. Max Royle, City Manager City of St. Augustine Beach 2200 A1A South St. Augustine Beach, FL 32080 904-471-2122 PLEASE NOTE: Under Florida law, most communications to and from the City are public records. Your e-mails, including your e-mail address, may be subject to public disclosure. whose mission is to is to have a positive impact on the lives of those affected by breast cancer in St. Augustine and the surrounding areas. Through their annual 5K walk/run, Pink up the Pace raises money to assist the uninsured and underinsured in the early detection of breast cancer and increase public awareness of the importance of early detection. For the second year in a row, Carter's Jewelry is partnering with PUTP by participating in their race expo and donating to their cause. This year Carter's is going one step further. Saturday October 13th will be "PINK" Day at Carter's Jewelry. Ten percent of the day's proceeds will be donated to Pink Up The Pace. There will be a drawing to win a breast cancer awareness necklace as well as specials and discounts throughout the store all day long. Identify yourself as a breast cancer survivor or warrior and you will receive a gift. There will be a craftsman on hand to inspect and repair your jewelry while you wait, get your watch battery changed or have the gemologist appraise your valuables. Every service provided as well as every piece of jewelry sold will help to support early detection of breast cancer in our own town. Carter's Jewelry is located in the Anastasia Publix Plaza at 1021 A1A Beach Blvd. The hours for "PINK" Day will be 10am 4pm, Saturday October 13, 2012. Call 904-471-1023 for more information or visit www.cartersjewelry.net. Breast Cancer Awaremess at Carters Jewelry Coming from Ohio.... GO BUCKEYES! My family through marriage owned and operated a well know Hungarian hot dog restaurant in Toledo, Ohio called, Tony Packo's Hungarian hot dogs. If you have ever watched Mash, Klinger talked about Tony Packo's restaurant in several episode's. Tony Packo's was also know for their signed hot dog buns on the wall from MANY famous people. Unfortunately, they sold all the restaurants after many years. After being down here for 18 years I decided to open my own hot dog restaurant. It's a small but friendly atmosphere and I'm ALWAYS open to suggestions! My hot dogs and my CONEY ISLAND sauce comes from Flint Michigan, they have that snap out for yourself and mention you saw this ad and receive Come see what we have to offer. Kim Packo, owner. See us at www.beacheshotdogs.com or email beacheshotdogs@att.net. Beach Hot Dogs Comes to St. Augustine Beach Tripadvisor of Newton, Mass. has announced that La Fiesta Ocean Inn & Suites and Beachfront Bed & Breakfast owners Rich & Lauren O'Brien have been awarded their earned from travelers. They both received congratulations from company President, Christine Petersen. La Fiesta Ocean Inn & Suites Beachfront Bed & Breakfast The Friends of Anastasia Island Branch Library (FAIBL), 124 SeaGrove Main Street, SeaGrove Town Center, St Augustine Beach, will be holding their Fall book sale on October 18, 19, 20, 2012. 10 am to 5 pm. Books are donated by the community as well as discarded books by the public library. Approximately 15,000 books/items will be available. like-new coffee-table titles from $2 to $50 each. include specially priced items). Inventory is comprised of about 90% donations and 10% library discards. These books have been sorted by volunteers to select those for special pricing. No commercial consignor has scanned our inventory since the last sale. A small collection of books are available on an on-going basis in the library for a $2.00 donation. Library staff selects books for their collection. Proceeds from the book sale are used for the library to purchase items on their wish list. The wish list includes the summer Florida Library Youth Program (FLYP) for children, adult/children/teen book collections and programs as well as specialized equipment (e.g., moviescreen, furniture) needed to implement targeted programs. The proceeds supplement funds from the county and with continuing cuts in the county budget, the money raised is critical to provide ongoing quality programs and materials. Questions? Claire Comstock at ccomst@comcast.net and leave a message. If email is not available, please call 471-2423 and leave a message (repeat name and phone # on the voice mail). October Anastasia Island Branch Book Sales The St. Augustine Travel Club will again be sailing the seas on St. Patrick's Day, Sunday, March 17 to 24, 2013, on the beautiful Royal Caribbean Freedom of the Seas out you who have never been on it, and, at a future Travel Club get together at the Southeast Branch Library we can view pictures of the ship. Prices start from $ 861.73 per person, double occupancy, for inside cabin, which include all port fees and taxes. Book now with deposit and receive $50 per stateroom On Board Credit. Call Peter, St. Augustine Travel Club at (904) 797-3736 for more information and reservations.

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St. Augustine Beaches News Journal October 2012 4 By Robert Samuels, President S. Gary Snodgrass, Mayor City of St. Augustine Beach, FL comsgsnodgrass@cityofsab.org Message from the Mayor St. Augustine Beach The Civic Association's Music by the Sea Concerts ended on September 26th with the All Star Band which featured many of our great local musicians who have played at the concerts over the years. This 10th Anniversary concert series was by far the best yet. We'd like to recognize those who helped to make it so successful. Our corporate sponsors TD Civic Association volunteers Dave Nash, John clean up by Tom Large. Of course, we'd like to thank our many talented musicians and our year. At the September 5th Navy Pride concert the Civic Association made two award Anastasia Island Library. A $300.00 donation was presented to Mr. Harold George the branch manager who brought staff and volunteers out to the pavilion for National Library Card Month. The second presentation was to Col. Lisa Craig of the United States Army/National Guard who accepted a $500.00 donation to the 1st Militia Chapter of the Association of the United States Army. Since the Navy Band does not accept payment the Civic Association donates to a local veterans group. The Pier Park parking lot will not be closed and the Wednesday Market will continue without interruption while construction of new restrooms is underway led by Public Works Gary Larson. Work commenced on September 11 and is expected to be completed in 45 60 days. Splash Park renovations will begin at the same time with the play equipment being moved northward and another splash pad being added. The Civic Association will be donating money for shaded seating areas. The second Meet the Candidates Night Forum will be held on Thursday October 11th at 7pm at City Hall. for those running in the general election on November 4th. Candidates from the following races have been invited: Doors open at 6:30 and written questions from the audience will be collected. Each group will have an opportunity to make a brief introduction, answer several questions and make closing remarks. Light refreshments will be available. This event will be broadcast and rebroadcast on Comcast channel 2. Live streaming is usually available on the City of St. Augustine Beach website. Www.staugbch.com. Civic Association volunteers John Reardon, Bill Jones, Frank Ward and Fr. Nick Marziani will be presenting the event. The new group Play It Forward wants to bring the joy of music to every household in the county through St. Johns County School band and music programs. The Civic Association has donated $750 towards subsidizing instrument rentals which will be available locally at Sterry Piano. Arrangements have been made to receive donations of instruments which will be refurbished and awarded to students. If you have an instrument that can be put to use by a student please call Barry Clark of Sterry Piano at 904829-9829. On October 28th is the Spoonbills & Sprockets A1A Touring Ride. Come and experience the beautiful Scenic Byway in three different rides: 100k, 35 miles or 20 miles and enjoy a reception at JT's at Marine Dolphin Adventure. For information go to www. scenica1a.org. Save the date for the Civic Association's Veteran's Day Ceremony scheduled for Monday November 12th from 3 5 pm at the Veteran's Memorial in Lakeside Park. Commissioner Andrea Samuels and Former Marine John Reardon continue to meet with local Veteran groups to organize the event. Food and refreshments will be provided along with music. The City of St. Augustine Beach will be participating with the Civic Association to produce this event. The Art Studio of Saint Augustine Beach premiered its new Coffee House night on Saturday, September 22 featuring live acoustic music, several short readings, an hourexcellent group discussion, and wonderful desserts and drinks. Coffee House at the Art Studio is held the 4th Saturday of every month from 7-11 pm at the Studio (730 A1A Beach Blvd in St. Augustine Beach at the ocean front at Pier Park). A different theme is explored each month (October's theme is "The Artist"). People are encouraged to bring a brief reading to share, as well as their own personal insights and observations. The Coffee House on Saturday, October 27 will include live music by The Island Duet, topical readings, a one-hour Modern Masters documentary (on Salvador Dali), illuminating dialogue, and tasty beverages & treats (for purchase). The Coffee House Greetings, fellow citizens! Here is an update of recent events and a snapshot of other projects on the horizon: to citizens questions as to the Citys impending restructured Police Department, a summary follows regarding law enforcement services for St. Augustine Beach. As outlined in previous columns, with the retirement of the St. Augustine Beach Police Chief, an opportunity developed to take a fresh look at how the city provides law enforcement services. At a special Commission meeting held July 16, 2012, the Commission in a 3 to 2 vote approved a blended approach as to how law enforcement services would be provided to the City going forward. Under this approach the City would retain a restructured Police Department and augment its efforts with a more effective use of services of the Sheriffs Administrative Assistant augmented by services for needed infrastructure improvements. The as records management, information technology, dispatching, CSI services, and investigative functions including crime scene, search and collection of evidence, follow-up investigations, containment and disposal of hazardous materials and, as needed, special operations units such as SWAT, a helicopter, a dive team. The Sheriffs organization in the State of Florida and nationally, has resources and expertise that the City doesnt have. The Citys Police Department is not accredited. Colin Baenzinger and Associates, the engaged by the City to conduct a search for the Citys vacant Police Chief assignment is in the process of reviewing the resumes of approximately 200 potential candidates. Once the initial and subsequent screenings have been completed Commissions consideration. This group, or perhaps a somewhat smaller pool, will ultimately be interviewed by the Commission and the new Chief will likely be selected from that group. is part of a 50 year plan to rebuild shoreline shaved away after the St. Augustine Inlet was carved in the 1940s, has been completed. Studies indicate that an investment in beaches typically increases tourism spending, enhances tax revenue, increases employment and provides a natural habitat for wildlife. These are outcomes we expect from the recent beach re-nourishment project. According to Vice Mayor Rich OBrien, who has effectively represented the City on the St. Johns County Tourism Development Council for years, tourism continues to improve in St. Augustine Beach and St. Johns County. Lodging, while showing improved occupancy which provides additional bed tax funds to promote St. Augustine Beach and St. Johns County. The completion of the beach re-nourishment, as noted above, was funded in part by bed tax dollars generated from increased tourism. Here is a quick listing of City sponsored/led projects for 2012: Park (at Pier Park) lighting at Pier Park improvement projects (Lockhart Lane, east end of 2nd Street, E Street and 2nd Avenue and F Street and 3rd Avenue) erosion along a section of the Citys main drainage canal that goes through Marsh Creek subdivision We value your inputs and ideas for making our City a better community. For all of us, its the place we call home. Best regards, S. Gary Snodgrass. offers a unique, casual setting designed to entertain, encourage, and inspire everyone to practice the arts. Cover: $5. Please visit www. beachartstudio.com for more information and subscribe for any updates. Don't forget to visit the Wednesday Farmers/Arts & Crafts Market at the Pier Park. We always have new vendors joining the market. The produce is fresh, the food delicious and the shopping always unique. The market is open from 8:00am 12:30pm. It's a great place to grab a quick lunch. Bob Samuels and Col. Lisa Craig Andrea Samuels, Bob Samuels and Harold George

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St. Augustine Beaches News Journal October 2012 5 St. Augustine Beach City Manager Photo Finish And now for something completely different. For the past several months, Ive regaled you with what Im certain were stunningly marvelous, sagacious, memorable (shall we slather on more compliments?) essays about sundry local governmental matters. Now its time to give you a rest from all that mental illuminosity, Ill do that by relating a tale from the summer of that shroudedin-mists, long ago time, namely 1957. My saga is about a dear if confused aunt, whose romantic entanglements could have been the plot of a pre-womens liberation era movie about a callow, 17-year-old boy whose dream job that summer became a nightmare. That callow youth was none other than exist, and, hopefully in my case, still do. So the stage is set. The actors are in their places. Time to raise the curtain and let the action begin. My Aunt Louise wasnt model beautiful, in fashion made her stand out in a crowd. Also, she was intelligent, at least in matters not related to love and men. At age 20, much to her parents dismay, she gave up a scholarship to study at the prestigious New England Conservatory of Music and eloped to another state with a handsome, young English fellow. For them both, the passions of that adventure were soon replaced by the daily realities of married life. Divorce came three years after the I dos. To support herself, Louise took a mans job building ships in the Boston Navy Yard during World War II. Then she met Ray. He was 16 years her senior, a burly, balding man with a gap tooth smile. In my actor who played Tony Soprano in the hit TV series. Ray over the years in Massachusetts owned a series of small construction was constantly juggling so that he could borrow money from the companies to pay his gambling debts. Lady Luck for Ray was Despite the viperous whisperings against Ray by family members, Louise fell in love with him, debts and all. Ray in turn loved her, though he preferred blondes. Louise, a natural brunette, was happy to make the change, thanks to a weekly dye-and-perm at a haute beauty salon in the Boston Ritz Carleton Hotel. When Louise and Ray were dressed up for an evening of dining and dancing, there was no question that they were indeed, as the saying goes, a handsome couple. From about 1944 to 1956, Louise helped Ray juggle the books by working under various titles president, secretary, treasurer in his companies, the names and corporate as to keep the debt collectors off balance. With her intelligence and physical energy, Louise was very successful at keeping Ray which was to become his wife, she sadly failed. Enter Jim. He was everything that Ray wasnt: short, pudgy, soft, whiny, except that though his job was part of a gambling business (which is where Louise met him), Jim wasnt a gambler. For him, Lady Lucks seductive wiles and coquettish winks held no allure. harness racetracks. From a booth on the grandstands roof, hed take a movie of each photos that would be proof as to which horse racetrack lingo, which horse was win, place and show. Louise married Jim. Perhaps as a pathetic attempt to show Ray that she could still because Jim did what any vulnerable woman appreciates: he listened to her, or I assume that he did during their brief courtship. The marriage made Louise an urban nomad: moving every two months along the eastern U.S. coast and to Florida and Louisiana during the winter as Jim followed the harness track race schedule. For her, it was a lonely, purposeless existence, one without the mental challenges and adrenaline rushes that she had experienced when she worked for Ray. To relieve the loneliness and knowing that I needed a summer job, Louise convinced Jim, who convinced his company, to hire me to be his assistant on the Delaware/ Maryland race circuit. The pay was $2 an hour, a rate that seems absurdly paltry today, but in 1957 was double the minimum wage. To a 17-yer old, it meant riches. While some family members werent pleased that Id be working where gambling, even if legal, was done, Louise assured them shed protect me from being corrupted by the lure of easy money. She didnt need to make any effort, for I was like Jim: not at all interested in playing the ponies. This was about the only topic on which Jim and I agreed. I quickly came to dislike him because of his whining. He thought his company didnt appreciate life never gave him any and should be working as a photographer for a and on. Jim, on his part, rapidly came to dislike me. Moody teenage boys with attitude werent part of his customary, adultsonly world. Then there were the working conditions. The of the three tracks on the circuit was baked all heat radiated from the grandstand roof. In place of an air-conditioner, fans circulated hot, sticky air. As the evenings wore on, (continued on page 8) Later this month many of our children will be taking part in the age-old custom of trick or treating on Halloween. Our goal at the St. Johns County Sheriffs adventure for everyone and I would like to pass along some safety tips. Children should only be allowed to trick or treat at homes or businesses they are familiar with. They should trick or treat while its still light outside, or they should carry easily. Parents, make sure that your childs costume including masks and wigs are in color and clearly visible to motorists. Avoid costumes that are oversized and high-heeled shoes that can cause a child to strips as well. Children should be reminded to only cross streets at the corners and never cross between parked cars. Young children should never be allowed to go out alone and older children should only go out with small groups. Make sure you set a time when they should be home and know the route your children will be taking. Tell your family on which streets youll be trick or treating. Let your children know not to sure they know to stay in populated places and don't go off the beaten path. Stay in well lit areas. Children always want to help with the pumpkin carving. Small children shouldn't be allowed to use a sharp knife to cut the top or the face. There are many kits available that come with tiny saws that work better then knives and are much safer, although you can be cut by them as well. It's best to let the kids clean out the pumpkin and draw a face on it, which you can carve for them. If you will be out driving on Halloween, please take extra time and watch for children darting in and out from between parked cars. Slow down and pay attention. Watch for children walking on roadways, medians and curbs. Enter and exit driveways and alleys very carefully. And always watch for children that may be wearing dark clothing. Feed your children a spooky Halloween dinner and instruct them not to eat any treats until an adult can examine them. Also remind your child to never go into the home of a stranger or get into their car. Make Halloween a fun, safe and happy time for your children in hopes that they will carry on the tradition you see suspicious activity please call enforcement agency and report it. I would also like to let you know that many of our Deputies and volunteers are Horror Zone haunted house. This is the 12th annual Horror Zone and is expected to be the best one yet. Again this year it will be held at 2497 U.S. 1 South. It will be open between 6:00 p.m. and 11:00 p.m. on the last three weekends of October (Friday and Saturday), and on Wednesday, 31 October. For additional information and a sneak preview you can check out their website at www.horrorzone.net. Personally, I think this is one and you will not want to miss it. Have a Spooktacular Halloween and stay safe. Please feel free to contact me if you have a topic you would like to see addressed in this column. My email address is dshoar@sjso.org. Thank you. Halloween Safety 12th Annual horror zone opening

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St. Augustine Beaches News Journal October 2012 6 Financial Focus Edward Jones Spiritually Speaking By Dr. Nicholas A. Marziani askfrnicholas@aol.com Father Marziani serves as the Pastor of St. James Mission in St. Augustine, and also as Vice-President of the St. Augustine Beach Civic Association. Connie Reep, AAMS 4108 A1A South St. Augustine, FL 32080 904 460 1200 www.edwardjones.com Member SIPC MAKING SENSE OF INVESTING To learn how consolidating your accounts to Edward Jones, could Your Retirement: St. James Mission Holy Eucharist Saturdays 5:00 pm St. Augustine House of Prayer St. Augustine, FL 32084 Call for more info: 904-460-0535 Should You Prepare for Fiscal Cliff? An Ode Part II As an investor, you can sometimes still feel youre at the mercy of forces beyond your control. This may be especially true today, when the Federal Reserve has warned of an approaching face of such a dire prediction? First of all, you need to understand what led to the Fed's remarks. Heres the story: Some $1.2 trillion in spending cuts are scheduled to begin in 2013 while, simultaneously, the Bush-era tax cuts including the reduction in capital gains and dividend taxes are set to expire. This combination of spending cuts and higher taxes could take some $600 billion out of the economy, leading to a possible recession and maybe something much worse, at least in the eyes of the Fed. Still, theres no need for panic. Congress is likely to reduce the cliff to a smaller bump, though it probably wont happen until after the election. But as an investor, you may need to market volatility, at least in the short term, and higher taxes, probably for the foreseeable future. To combat market volatility, you portfolio that can handle bumps, cliffs and other rugged investment terrain. This means youll need a mix of stocks, bonds and other securities that are suitable for your needs. (Keep in can reduce the impact of market protect against losses.) You may also need to rebalance your portfolio to ensure that its still aligned with your goals, risk tolerance and time horizon, despite the impact of volatility. Now, lets turn to taxes. Even if taxes on income, capital gains and dividends do rise, they will still, in all likelihood, be much lower than theyve been at various points in the past. Nonetheless, you may want to consider a variety of steps, including the following: vehicles. Contribute as much as possible to your traditional IRA, your 401(k) or other employer-sponsored retirement plan, and any education savings accounts you may have, such as a 529 plan. traditional IRA to a Roth IRA. A Roth IRA provides tax-free earnings, provided you dont start taking withdrawals until youre 59 and youve had your account for at least conversion is taxable and may not be appropriate if you dont have money readily available to pay the taxes.) youre in one of the upper tax brackets, munis, which pay interest thats free of federal taxes, and possibly state and local taxes as well. Not all these choices will be suitable for your situation, of course. Before taking action on these items, you may want to consult with your tax options some thought because they may goals from going over a cliff. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. I left off my column last month pondering what impact some radically altered notions of family and habits of societal practice and interaction may have on us in the near future. I cited the Cosmo phenomenon as too often corrosive to values that sustain and nourish any real and sustainable civilization, including our own. In this intensely political season, these issues are all the more relevant. A few months ago my wife and I had an starring Andy Garcia, Eva Longoria and Peter OToole, among others. For Greater Glory was/is a powerful statement of what can happen when religious freedom becomes an optional feature of a country. This true story the liking of which I had NEVER learned either in school or heard of subsequently tells the tale of brave laity and clergy of the Catholic Church in Mexico during the late 1920s who refused to be denied the right to worship according to their conscience. Thousands of people, including both protesters and federal police, lost their Now our constitution, unlike that of Mexico, absolutely guarantees theoretically, at least religious as well as basic civic freedoms ten amendments, largely through the efforts of the patriot and founding father James Madison. Interesting, isnt it, that it actually took in these United States of America amendments to the Constitution to guarantee certain fundamental rights we take for granted today. How blest we are! And yet our Cosmo culture may be leading us into a Florida sinkhole where religious believers, very often the most loyal and tangibly supportive citizens of our fair land, end up being branded as enemies of the State. Catholics, Orthodox Jews, and most Muslims just happen to have a real problem with certain features of the Affordable Care Act the current executive branch of our federal government. The Cosmo culture has given far too many of us the idea that religious institutions engaged in health care that also wish to remain true to their own values while receiving tax monies paid into federal coffers in part by yup, fully observant Catholics, Orthodox Jews, and most Muslims have no right to do so. What were once considered fringe behaviors are now de rigueur, to be not only accepted but even paid for by people whose consciences are scandalized by them. Further than that, religious institutions dont even possess the constitutes their own scope of ministry. Its like telling a landscape business that theyre not a true service provider and therefore eligible to be so licensed unless they always cut their clients grass on a governmentally prescribed bias to the sidewalk. So well have to see how things shake out this election year, the main event just weeks away now. I have only one endorsement to offer, personally speaking. Not for a candidate, but for interestingly enough an amendment to the Florida Constitution. I say Vote Yes! on Amendment Eight, which guarantees important religious freedoms to those most in need in our very needy society. Go ahead, do your own research on this issue, and then vote as your own conscience dictates. Its your God-given you wont be facing Helen Gurley Brown on the Day of Judgment, but God Himself. Be Blessed, Fr. Nick Many Options, One Easy Decision With all your retirement money in one place, it can Well meet with you face to face to help you work toward victims of St. Johns County. For additional information on this DVAM event please call Kim at 904-808-9984. abused women, men, their minor children. Other support services available to shelter residents and non residents include a 24-hour crisis hotline, individual and group counseling, forensic / individual and group counseling are available in all parts of St. Johns County including, Hastings, Ponte Vedra Beach, St. Johns, St. Augustine and St. Augustine Beach. For more information or to make a donation, visit org. If you or someone you know is being abused, please call our hotline at (904) 824-1555. Candlelight Vigil (continued from page 1)

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St. Augustine Beaches News Journal October 2012 7 St. Augustine Beaches Ann Palmquist, Committee Member Palmquist@comcast.net Professional Packing, Shipping & Mailing Service Center (904)460-0022 With Safe ShipYou Have Options For info & directions please see www.safeshipstaug.com *NQMBOU%FOUJTUSZt $SPXOT#SJEHFTt $PTNFUJDt 8IJUFOJOHt 7FOFFSTt *NQMBOU%FOUVSFTBSUJBMTt $POWFOUJPOBM%FOUVSFTt t&YUSBDUJPOT t8JTEPN5FFUI t*7FEBUJPO t*NQMBOUT t#POF(SBGUT tJOVT&MFWBUJPOT t(VNVSHFSZ t-BTFS5IFSBQZ tPGU5JTTVF(SBGUT %%4.4I% %FOUBMVSHFPO0YGPSE Paradise is here... Paradise is here... Paradise is here... Paradise is here... Paradise is here...1 F Street 1 F Street 1 F Street 1 F Street 1 F Street St. Augustine Beach St. Augustine Beach St. Augustine Beach St. Augustine Beach St. Augustine Beach 904-461-8727 904-461-8727 904-461-8727 904-461-8727 904-461-8727 www.beachfrontbandb.com www.beachfrontbandb.com www.beachfrontbandb.com www.beachfrontbandb.com www.beachfrontbandb.comYour Hosts Your Hosts Your Hosts Your Hosts Your Hosts Over a year ago, it all seemed so simple, plant a garden and grow a community. Growing organic vegetables, two blocks from the Atlantic Ocean, in sandy soil, on land owned by the City was a challenge, but conversely organizing likeminded folk to grow a garden, promised an array sharing in the experience of building something beautiful from the ground up. Community Garden would not be a silly Jack in the Bean Stalk story but would enlist neighbors, homeowners, tenants, and condo dwellers, throughout the city, and invite them to share their ideas and experiences. Their response was heartwarming and encouraging from the beginning. The crucible, where the Community Garden was born, was far from the playwright Arthur Millers The Crucible, but closely resembling a wash tub. The repeated requests included: grow pesticide provide a space to all who want to could share the fun of gardening. The yearlong planning included: going door to door, two blocks in all directions, asking neighbors for suggestions, inviting them to meetings with leaders from the successful Lincolnville and always following directions in the sweet light of Sunshine. A time line set October 2012 pumpkins, grown by the neighborhood kids, would be ready for eager young gardeners to carve their own Halloween jack-o-lanterns that they had grown. The poet Ogden Nash said it best from goulies and ghosties and long-leggedy beasties and things that go bump in the night, Good Lord, deliver us! Inspired by this simple supplication and in the spirit of reconciliation perhaps a dose of wit and a fact or two will help moderate summers sticky climate because gardening is not for sissies and laughter has a special balm to heal bruised humor might be found in unlikely places such as: Gardening, and on truck bumpers Compost Happens. Fact: gardening requires lots of water most is in the form of perspiration also known pre-season your Zucchini harvest is never equal to imprint left after reading Poor Richards Almanac is like arguing with a bull, you are just going to piss the big guy off and running really fast is not exaggeration, and lastly a better movement is to Our historic time line reveals several garden related facts: by the time Columbus landed in the New World, corn had already been cultivated by indigenous people for more than 3,000 years. Todays indigenous inhabitants (read the Community Garden members) hope to carry on sooner. History and taste buds continue to played unexpected roles in the progress of the new world. Pilgrims considered tomatoes an abomination on a par with dancing, card playing and theater going and makes you wonder if those persnickety Pilgrims had tasted a lip smacking salsa, made from the humble tomato and the sassy datil pepper would the course of history take a new direction? WOW! What a winning combination, humility and attitude or as John Wayne might say, listen up Pilgrim, there is a gardener that needs thanking. Having true grit is more than using four letter words because when the shouting is done, silence is golden, and we are the community our children inherit. From day one the idea was to grow organic vegetables which reminds me of the man who went to the market: My wife asked me to buy ORGANIC vegetables. Have these been sprayed with any poisonous chemicals?" "No," replied the gardener, "you'll have to do that yourself." Adding humor is a lot like adding trace full ofmy way or the highway attitude. Several garden members have earned the designation of Master Gardener and have completed the course of study offered by University of Florida and have made the required commitment to give back to their community sharing lessons learned. Lucille Ball might have splained it this way, Gardeners live in a world of is a Sport. Hoe for It. Gee I love Lucy. Things that go bump in the Night Keep Your Trees Healthy Arborist will present An Owners Manual for Trees, October 18, 2-4 p.m. at the St. Johns County Agricultural Center, 3125 Agricultural Center Drive, St. Augustine. Instructors also Beverly Fleming, Master Gardener and Renee Stambaugh, Native Plant Consultant. For more information, go to www.nativeplantconsulting. com or call 209-0430. A job well done and thank you to Marc Chaten Director of Public Works, Kenny Gatchel Assistant Dir. and staff for the improved landscaping at the south entrance A1A Beach Blvd. Nice design and use of Florida Friendly low maintenance plants. Good Lord deliver us when things go bump in the night because we are still the community our children will inherit. Make a little history grow something beautiful.

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St. Augustine Beaches News Journal October 2012 8 Fresh, Local Seafood Prepared the Way You Like it! Breakfast: Saturday & Sunday 7:30am-10:30am Lunch & Dinner: 7 Days 11am-9:00pm Early Bird Specials: M-F 3:30pm-5:30pm St. Augustines Best Casual Oceanfront Restaurant GRILLED, FRIED, STEAMED, BROILED, SAUTEED or BLACKENED (904) 471-8700 45 Cubbedge Rd. Crescent Beach www.southbeachgrill.net Open For BREAKFAST Saturday & Sunday 7:30 a.m. to 10:30 a.m. Join Us For and more! Grand Opening Beaches Hot Dogs Formally Sweet Treats 701 A1A Beach Blvd. & A Street (904) 471-8026 Want Something different between your BUNS? Your suggestions are DOG GONE important to us... they keep us in business! Beaches Hot Dogs is locally owned & operated. Kim Packo Owner/Operator beacheshotdogs@att.net 10% Discount! Mention you saw this ad in the Beaches News Journal. dogs Ice Cream ISLAND DOG! them in the Beaches News Journal www.beacheshotdogs.com A short sale occurs when the property is worth less than is owed on the mortgage. The seller wishes to move, for any number of reasons, and the bank agrees to accept less than is owed on the mortgage note. For example, if a home was purchased for $250,000 in 2005 and current market analysis of the property shows the value is $150,000, the bank may agree to take a loss on the $100,000 difference. Many times, when a homeowner is interested in listing their property as a short sale, the bank has not yet approved of the sale price. In that instance, if you make an offer on a home, the bank must approve the short sale price before the sale can happen. This process, waiting for the approval from the bank, can drag on for months and months. Usually after the bank has approved the short sale price, the process can move rather quickly. Expect the entire sale process, from contract to closing, to take anywhere from 4 months to a year. If the property has more than one mortgage, it can take even longer. A great question to ask your real estate agent is how many liens and which bank(s) are involved. Then you can gauge what to expect. Some banks have a reputation for processing these sales more rapidly than others. You can talk to your real estate agent for more information. Always use an agent who is experienced in short sales for this kind of transaction. The short sale is not for the faint of heart. The bank asks the seller for a large amount of paperwork, often repeatedly throughout the process of many months. The buyer is waiting in the wings to see if they will be able to purchase the house. It's a waiting game in many cases. The upside to the short sale, for the seller, is being able to walk away from an upside down property without a foreclosure on their record. In fact, some banks are offering a cash incentive to the seller, usually $3,000-$10,000 (depending on the price range of the property) to encourage these types of sales. If the seller has relatively good credit -apart from the short sale, they can be approved in a matter of 18 months to 3 years for a new mortgage, especially if they work to pay down any other credit accounts and keep their payments on time after the short sale. The upside for a buyer is usually they can get a great purchase price on a house. The buyer needs to remember they should be patient, because patience is very important in a short sale. The buyer must also remember, there are no guarantees that the bank will accept the offer. The needs to be aware that the seller most likely does not have funds to make any repairs to the home, they should expect to make repairs and buy the house in "as is" condition. I hope this has helped answer your question about short sales. I have handled short sales on both the seller's side and the buyer's side. Let me know if I can further assist you. Rebecca Romaine,REALTOR, Prudential Network Realty, 904-687-9488 www.rebeccaromaine.com What is a short sale? the rancid smell of body sweat mingled with the chemical odors of developing with equipment, our bodies, arms, hands inadvertently touched as we worked. I tried to avoid touching Jim. He resented that and would avoid talking to me. It was a long summer. The inevitable happened one evening in August at the Ocean City, Maryland track, before the races had started. Louise was in the booth with us. She was wearing high heels and a nice dress, as if she were going out on the town with Ray instead of to a dingy racetrack. She and Jim argued angrily about something. She left to go down to the grandstand. I was behind her and Jim was behind me when she slipped on the steep stairs and fell to the landing. She wasnt hurt, and no, I didnt push her. But Jim began to whine: Why did you push Louise, Max? I saw you push her. Why did you push. and on and on past the judges booth rear of the grandstand, which was already Suddenly, for both of us, there was a simultaneous, volcanic eruption of rage: the pent up accumulation of our mutual dislike reinforced by all those nights of working in extended closet. With curses and shouts, Jim and I hit connecting. The grandstand crowd rose from their seats to watch this pre-race diversion. Some men separated us and Jim retreated. Louis took my arm and like a debutant at a ball descending a grand staircase with her escort walked me down the grandstands center aisle, her heels clicking on the concrete steps, the crowd, still standing, silently watching us. We put our things in Louises car that night while Jim was still at the track and drove back to Boston. I never saw Jim again. Louise did return to him, but her doing so was the last, slow gasp of a dying marriage that never should have happened. They were divorced in 1960. A few years later, Louise married for third time. It was to Frank, whod been Rays foreman for many years. This marriage lasted 25 years until Louises death. I think it endured because she and Frank shared a strong bond: Ray, and the experiences they had had working for him. Sometime in the early 1980s, Louise by telephone told me that Ray had died from a heart attack. From the wistful tone of her voice, I thought: She still loves him. Photo Finish (continued from page 5)

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St. Augustine Beaches News Journal October 2012 9 Beaches Bistro By Paolo Pece, Cafe Atlantico cafeatlantico@comcast.net INSURANCE NETWORKFIRST FLORIDAFIRST FLORIDA IS ST.JOHNS COUNTYS PREMIER HOMEOWNER INSURANCE AGENCY St. Augustines Oldest Continuous Insurance Agency HOME REPLACEMENT YOUR HOMEOWNER INSURANCE PREMIUM ADDL DISCOUNTS AVAILABLE $200,000...............................................$578...............................home/auto discount up to 20% $250,000...............................................$763...............................home/auto discount up to 20% $300,000...............................................$912...............................home/auto discount up to 20% $350,000.............................................$1100...............................home/auto discount up to 20% $400,000.............................................$1027...............................home/auto discount up to 20% $450,000.............................................$1355...............................home/auto discount up to 20% $500,000.............................................$1503...............................home/auto discount up to 20% $550,000.............................................$1651...............................home/auto discount up to 20% $600,000.............................................$1800...............................home/auto discount up to 20% $650,000.............................................$1947...............................home/auto discount up to 20% $700,000.............................................$2098...............................home/auto discount up to 20% $750,000.............................................$2243...............................home/auto discount up to 20% $800,000.............................................$2390...............................home/auto discount up to 20% $850,000.............................................$2585...............................home/auto discount up to 20% $900,000.............................................$2687...............................home/auto discount up to 20%Prices based on 2010 Masonry Construction. East of the Intracoastal. Call us for the BEST rate for which you qualify. Quotes ar e subject to Underwriting Guidelines. St. Augustine Beaches News Journal July 2012 Issue Lamb with cilantro and cumin crust Contemporary Italian Grill 904-471-7332 647 A1A BEACH BLVD. ST. AUG. BEACH www.cafeatlantico.net Dinner Mon.-Sat. 5-Closing the old rule of thumb about serving red wine with meat. In this case, the strong green herb Sauvignon Blanc the wine of my choice. serves four Lean the lamb of all fat and silver skin. Brush with olive oil and sprinkle with salt. Process the cilantro with the cumin and cayenne pepper in a food processor. Add enough oil, one tbsp. at a time to make a mixture the consistency of jam, processing constantly. Spread the cilantro mixture on the lamb. Let stand at room temperature for at least 40 to 60 min., or in the refrigerator for 8 hrs. or longer. Preheat a gas grill or prepare a charcoal rare, or until done to taste when tested with the point of a sharp knife. Let stand for several min. Slice and arrange on a warm plate. Market Linked CDs were developed by Chase Manhattan Bank in 1987 and originally designed for their wealthiest clients. Since then Market Linked CDs have been offered to mainstreet USA by the worlds largest banks such as Barclays, Goldman Sacks, Morgan Stanley to name a few, with over $30 billion purchased in 2011. The development of Market Linked CDs came from the increasing demand of clients willing to limit their upside performance in order to protect their principle. Your principal $250,000 per account How do Market Linked CDs work? A Market Linked CD is an investment product based on one or more underlying asset classes, such as a basket of securities or market indices. Market Linked CDs are designed to provide investors with participation in the growth of the underlying assets while retaining characteristics of a maturity, A Market Linked CDs principal is protected. The return (if any) is based on the performance of the underlying assets during the term of the Market Linked CD. The rate of return is typically limited to a percentage of the return of the underlying assets and may also be capped. If the Market Linked CD is redeemed prior to maturity, the principal will not be protected and the investor may realize a loss, even if the underlying asset is appreciated. Who should invest in Market Linked CDs? While anyone can invest in Market Linked CDs, purchasers are commonly market growth, while receiving protection from possible declines. Young families, conservative investors, families saving for college, baby boomers, and retirees are examples of those who may choose to address these objectives by investing in Market Linked CDs. As an alternative investment product, Market Linked CDs can complement an overall balanced portfolio offering the potential to realize enhanced returns compared to traditional savings or deposit options. Consideration As with all investments or deposits, clients should review all of the risks associated with that specific deposit or investment. Market Linked CDs should be considered a part of a balanced portfolio. The following risks may apply: call, performance/market risk, liquidity risk, costs and tax treatment. In addition, although Market Linked CDs are FDIC insured, any purchase greater that the limits set by the FDIC is subject to the credit risk of the Issuer. Market Linked CDs combine the safety Any potential returns are typically limited to a percentage of the underlying asset upside and may be capped. A First Florida agent can more fully explain this investment. First Florida agents invite you to take their Quote Challenge. Call First Florida to discuss your current policy coverages. Their goal is to be certain you have the absolute best rate for which you qualify. Call 808-8600, come by to visit one of First Floridas friendly agents.

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Answering questions about Home Owner lawn equipment. Featuring Mow St Augustine Power House spokes person. St. Augustine Beaches News Journal October 2012 10 Phone: 904-236-6243 Email: undine@anastasialaw.net 4075 A1A S. Ste 200 St. Augustine, FL 32080 www.anastasialaw.net Mothers are often one of the most important and influential people in a persons life. I know mine is. She has become my best friend and the person I I really dont know what Id do without her. But things have not always been that way and as with most mother-daughter relationships weve had our rough patches. Through the years, as Ive grown and matured, Ive really come to appreciate my mother as well as recognize the true wisdom she possesses. She has stuck with me through thick and thin and has been my rock in all areas of my life. When I began my journey toward physical therapy several years ago my mother was behind me 100 percent. Although not a healthcare professional she gave me advice and help in any way that she could. She was behind me while I was in the Naval Academy, when I went to the Persian Gulf and when I went to PT school. It was she who encouraged me to specialize in womens health physical therapy. Although I didnt understand at the time her interest and support I began to learn the more I got into the womens health program. I also began to learn how much my own mother could have therapy so many years ago. All my life Ive known I was born via an emergency C-section. Ive never been accused of shying from a challenge and it seems this started with me early. My mom had the emergency C-section because I had the umbilical cord wrapped around not only my neck but my head as well. Always being grateful to my mom Im even more so now because I did not know the impact this procedure had on her. My entire life Ive heard the story of how Marisa entered the world and the events leading up to my delivery, but the story stopped there. Never was there discussion as to what happened after the delivery. It has only been the last few years and in part because of my womens health training that Ive come to learn of the on-going pain my mother had lived with. Unfortunately, my mother is like so many other women I now treat. My mothers abdominal and pelvic post partum pain is quite common. My mothers pain was not as severe as some of my patients and Im very happy Im able to help them, in part due to my mothers encouragement. I know throughout my life Ive caused through my words but as I said, Im learning. And what Ive learned is many women do not need to suffer the way my mom did. Im glad that I can now help mothers through the physical pain that their children may unknowing cause them in the months post partum. From a childs perspective, of any age, mothers are the center of the universe. I hope that each of you reading this column have come to appreciate your mothers as I have come to appreciate mine. I also hope that none of you mothers are suffering unnecessarily from post partum low back, abdominal or pelvic pain. If you are, please, please, please, consider the fact you may be a candidate for physical therapy. Give me a call. Thank you Mom for everything you have done for me. I love you very much! APTA in Pelvic Floor Dysfunction, Pregnancy and Post-patrum issues. She lymphedema therapist. For information or a complete listing of our therapists and their specialties, please call (904) 829-3411 or visit our website at www. Hello Beach Readers. Wow, what a September! We certainly appreciate the business we receive from the community. And also appreciate the opportunity to really test our skills as a Mower Repair shop. We have seen some interesting equipment come out of the wood work to be repaired. Thanks again Beach Readers. Well I tell you, one piece at a time. We offer a pretty quick turnaround in most cases, however this year has been one for the books. There were days the Service Department was taking in 20 plus units a day. Not including our Commercial Cutters equipment. That can make for some calculating decisions. On one hand we have our community to think of, on the other hand the Commercial Cutters have many customers to consider also. Carefully. Lets face it, when you have a companys lively hood parked in your yard with a blown engine or a failed hydraulic system, those are not inexpensive repairs not too much mention timely repairs. We diagnosis the equipment, get an estimate, call the customer and then get the parts on order for the repair. Without a doubt parts availability. Many distributors have moved warehouses away from local areas, many have various warehouses around the country, and you may very well get multiple parts from one distributor from multiple warehouses. And a lot of times those parts for that one repair may come from multiple warehouses. Good question, we keep anywhere from 100 to 150 thousand dollars in inventory, But in a repair business that number could double and still not have everything. We run a state of the art software system that allows us to view daily what is needed for repairs and for stock. For the month of October we have the $29.95 Chain Saw Tune Up Special along with leaf blowers on sale. Save up to $40 dollars instantly. Stop by the store for more details, or visit us on the web. Thats all the time we have now, Thanks for the input Mow. So until next month, remember St Augustine Power House is located at 125 Pope Road, right here on the island. Visit us at www.staugpowerhouse.com and if you have any questions for Mow email him askmow@staugpowerhouse.com. Ask Mow? Answering questions about Home Owner lawn equipment. Featuring Mow St Augustine Power House spokes person.Hello Readers! After many questions and answers we have decided to post some typical email questions we receive about lawn mowers and 2 cycle hand held equipment. Let us Hello St Augustine, Mow, tell us about yourself! Tell me Mow, does Power House service consumer or contractor equipment? Easy Mow we get the picture big awesome lawn mowers are kewl... the repair of these types of mowers. What we want to do is be the house hold name for lawn Interesting Mow, so can the readers call you or email you with questions regarding there lawn mowing equipment? months article so all can learn from it. Great Mow, any advice to our readers for this month? Proof Note: Which best? TEMPLE BY THE SEA 2055 Wildwood Drive, St. AugustineServices: First & Third Friday Evenings of the Month at 7:30 p.m.Rabbi Mark N. Goldman A Reform Congregation904-819-1875www.templebetyam.org T emple Bet YamReach The Beach By U.S. MAIL! The Beaches News Journal reaches thousands of homes in the Beaches area by U.S. Mail. We Cover The Beaches Send us your news!

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St. Augustine Beaches News Journal October 2012 11 St.Augustine Shores Observer October 2012 Call Today 829-3411 1 University Blvd St. Augustine, FL 32086See a full listing of our services and specialties at: firstcoastrehab.com Hwy 312University Blvd.Flagler HospitalUniversity of St. Augustine Sgt. Tutten Drive Matanzas River San Bartola

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12 St. Augustine Beaches News Journal October 2012 Top Producer For Watson Watson Realty Corp. St. Augustine Beach Elaine Wallace Call Elaine at (904) 347-5439 3175-1 A1A South, St. Augustine Beach Broker/Associate, PA www.oldcitystaugustinehomes.com 2008 Best Real Estate Agency Choose Watson. Get More. TOP PRODUCER BEAUTIFUL ESTATE HOME IN PALENCIA. 1788 North Loop Pkwy. This gorgeous home is located in a gated section of Palencia, it has 5 bedrooms, 4 baths, 3 car garage, all main living can be used as Mother-in-law suite. 5th bedroom on media room. Large kitchen with 41 uppers, great appliances, amazing amount of counter space. David Weekly home with childrens retreat. Views galore with water views to make you feel you are in your own private island. The screened outdoor space with pool and Jacuzzi makes you feel you are on a constant vacation. $599,000. JUST LISTED SEA COLONY GEM. 713 Ocean Palm. Wow! Is the only word to describe this beautiful ocean view sea worthy gem. include full house vinyl clad wrap barrier, cellulose insulation, 3 instant hot water units and a 6 zone Lennox HEPA/HVAC system for maximum comfort, hardwood and stone private courtyard with pool, steps from the describe this house. $1,490,000. PELICAN REEF LOTS FOR SALE! 136 Spoonbill Point $149,000 117 Spoonbill point $ 69,900 SEA COLONY LOTS FOR SALE! 912 Ocean Palm Way $119,900 892 Ocean Palm Way $149,000 883 Ocean Palm Way $199,900 GREAT LOTS FOR SALE! GRAND OAKS ESTATE 109 Grand Oaks $169,000 ACROSS THE STREET FROM THE OCEAN 225 Dondanville Rd. $ 99,000 ANATASIA DUNES 353 Ocean Forrest Dr. $174,900 EXCLUSIVE KEY WEST STYLE VILLA, 876 Ocean Palm Way, in Sea Colony of Saint Augustine with the chefs kitchen with island, upscale custom granite counters, top of the line carpet, trim and built-ins. Alarm system can be monitored any place by remote. Guest bedroom has cozy reading nook. Master bath has separate shower & tub. Beautiful home steps from the ocean will make you feel like you're in the tropics. Sea Colony of St. Augustine Beach is a gated oceanfront community w/ pool, pavillion and 4 ocean walkovers. $549,000 Beautiful Palencia 140 Calle El Jardin Unit 104. Just the perfect location for those who commute between Jacksonville and St. Augustine Gorgeous 3BDR/2BTH bright and in large master bedroom, screened porch and, phone, cable and security in all rooms. Condo fee includes water, sewer, pool, exercise room and more. Enjoy all that Palencia has to offer while centrally located between historic St. Augustine and metro Jacksonville. $95,000 OCEANFRONT HOME IN SEA COLONY 716 Ocean Palm Way. Amazing panoramic views from 4BR/5BA European style home with in-ground pool and numerous upgrades. Great architectural features, high end windows, doors & appliances, coquina shell concrete walk, privacy wall, premium lighting, quality cabinets, stone and elevator! Gated oceanfront community in St. Augustine Beach $2,297,000 OCEAN FRONT SAND DOLLAR END UNIT 8050 A1A S. Unit 308. This beautiful 3BRM/2BTH condo has large windows, lots of natural light, fantastic views. Light & bright condo to enjoy year round. Third with views galore of the intracoastal and ocean. Building offers parking, pool & private walkover to beach. Complex has elevators, tennis, parking garage & additional owner storage area. $469,000 OCEAN GRANDE CONDO SERENATA BEACH 415 N. Ocean Grande Unit 203, located in a serene and peaceful setting, this like new 3BR/3BA unit has upgrades galore. Chefs kitchen has center island, granite countertops and 42 maple winter evenings. Gas grill on large screened porch overlooking the marsh and Intracoastal for spectacular views. Tranquility and beauty in Ponte Vedra awaits you! $419,000 OCEAN VIEW BEACH HOME. 464 Ocean Grove Cir. in Sea Colony of St. Augustine Bch. 4BR/4.5BA and over 3,000 sq ft of luxury. This home was built with the Hurricane resistant windows to 125MPH, upscale kitchen with granite, warming oven, wine cooler, SS appliances and more. Everything a great beach home should be. Gated oceanfront community offers beach walkovers, pool and clubhouse. $1,190,000 BEAUTIFUL CUSTOM HOME IN SEA COLONY 441 Ocean Grove Circle with 4brm/2full & 2half baths ocean view home for the discriminating buyer. One of the largest gourmet chef's kitchens you'll ever see w/ granite counters, custom cherry cabinets & built-in China cabinet. Top of the line materials used throughout. Upscale features include: zone a/c and upscale baths w/travertine. Also for spectacular panoramic views. Home has own irrigation system. A great buy! $1,075,000 feet of living space, large kitchen, breakfast room, a large screened porch and more. This wonderful galore. Just walk thru the tunnel to a wonderful place on the ocean to picnic, swim or just enjoy the ocean. The community has 2 tennis courts, large pool and playground, exercise room, etc. This home is situated in a beautiful serene wooded area of Turtle Shores Come and see for yourself! $299,000 BEAUTIFUL BEACH HOUSE. 12 Sandpiper Dr. Live the good life and enjoy the sounds and breezes of St Augustine Beach Just 3 houses away from the ocean. Many updates include new a/c 15 seer 5 T, new paint, 2005 roof, and windows. This beach home features 4 large bedrooms/3 baths with oversized garage. A must see! $490,000. JUST LISTED JUST LISTED