St. Augustine Shores Observer

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Title:
St. Augustine Shores Observer
Alternate Title:
Saint Augustine Shores Observer
Shores Observer
Physical Description:
Newspaper
Language:
English
Publisher:
Logsdon, Cliff
Place of Publication:
St. Augustine, Florida
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newspaper   ( sobekcm )

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Source Institution:
University of Florida
Holding Location:
University of Florida
Rights Management:
All rights reserved by the source institution.
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AA00019228:00001


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This month, the Shores will once again host one of the largest yard sales in the St. Augustine area. The annual Shores Spring Yard Sale will take place on April 6th from 8 a.m. to 1 p.m. on the grounds of the Riverview Club. The sale features thousands of yard sale items including furniture, clothing and household items. Residents of the Shores are offered the opportunity for a space at the sale to sell their yard sale items. Any Shores residents who would like to reserve space at the sale on April 6th should call Lucille at 794-2000 of the Riverview Club to check out the bargains. The next sale will take place in the Fall. APRIL 2013 PRSRT SDT US POSTAGE PAID ST. AUGUSTINE, FL PERMIT #132 The Shores Observer 1965 A1A SOUTH #180 St. Augustine, FL 32080-6509 St.A St.Augustine Shores NEWS FOR AND ABOUT RESIDENTS OF ST. AUGUSTINE SHORES Tax Day Is Monday, April 15th Huge Shores Spring Yard Sale This Month A big crowd is expected once again at the Shores An nual Spring Yard Sale at the Riverview Club. At Right: Members of the Shores Book Club had a great turnout for their very first meeting. New members are always welcome! Shores Book Club Kicks Off First Meeting The St. Johns County Public Library recently kicked-off the Participants do not have to purchase the book as long as Monday of every month at 2 p.m. at the Riverview Club. The following is the schedule and book list for the club. April 1st The Language of Flowers by Vanessa Diffenbaugh May 6th The Next Best Thing by Jennifer Weiner June 3rd The Secret Keeper by Kate Morton July 1st Gone Girl by Gillian Flynn August 5th Cutting For Stone by Abraham Verghese September (TBA) End of Your Life Book Club by Will Schwalbe October 7th The Flight of Gemma Hardy A Novel by Margot Livesy November 4th Buddha in the Attic by Julie Otsuka For more information contact Kathy Esten at 827-6973 or The St. Augustine Shores Annual Meeting Is May 3rd Starting At 10 a.m. Meeting Will Be Held At The Riverview Club 790 Christina Drive Whats Inside The Observer This Month... The recent, mild spring weather has brought out many Shores residents to the Riverview Club area to take advantage of the great amenities. Residents can use the pavilion area which weather and swimming season. The pavilion area, complete with picturesque views of the Intracoastal, has already been the site for several weddings and other special events. The Riverview Club also has a 5,000 square foot ballroom available to rent for parties and other large gatherings.

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St. Augustine Shores Observer April 2013 2 St. Augustine Shores Community Classi The St. Augustine Shores Observer The function of the St. Augustine Shores Observer is to serve the St. Augus tine Shores Community. First priority will be given to reporting news and activities of the residents of the St. Augustine Shores, Shores organizations and other news and events that directly affects St. Augustine Shores. Second priority will be given to articles of general interest as space permits. Information must be received by the 10th of the month in order to appear in the following months issue. Articles or information may be sent to the Shores Observer, 1965 A1A South #180, St. Au gustine Florida 32080-6509. Information att.net. All material submitted to the Shores 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 Shores Observer. The Observers acceptance of advertis ing does not constitute an endorsement or approval of any product or services by the Observer or its staff. The publisher reserves the right to refuse advertising that does not meet the publications standards. The Observer is published by an inde the Shores Developer, the St. Augustine Shores Service Corporation or the St. Au gustine Shores Civic Association. St. Augustine Shores Observer (904) 607-1410 1965 A1A South #180 St. Augustine, FL 32080-6509 The St. Augustine Shores Observer is published monthly for residents of St. Augustine Shores St. Augustine, FL. How To Reach The Shores Service Corporation (Shores Homeowners Association) (904) 794-2000 The Observer offers free com residents. Ads May Not Promote A Business Or Service. Classifed ads will not be printed without a name, address and phone number included Send your ad to Shores Observer, 1965 A1A South #180, St. Augustine, 32080-6509. Or you may email your Deadline for all ads is the 10th of every month for the next months issue. Shores Observer Policy Corporation monthly meetings are held on the second Thursday of each month. Meetings are at 7 p.m. at the Riverview Club. Association board meetings are held 11:30 a.m. at the Riverview Club. Board meetings are held on the third Thursday of each month. meetings are held on the second Tues day of every other month at 4 p.m. at the Fairview Condo club house. meetings will be held on February 1st, May 7th, August 6th and November 5th. The annual meeting will be held on October 1st. JORGES HANDYMAN SERVICE, INC. Lic. # ST-7256 (904) 315-8550 Free Estimates Carpentry, Renovations & Repairs Guranteed Financing! 08 Suzuki Forenza $5800 85k Miles 05 Dodge Caravan $5900 123k Miles 05 Chevy Cobalt $5900 103k Miles 04 Pont G-AM $5400 85k Miles F-150 Truck $4900 110k Miles 03 VW Beatle $5900 78k Miles 01 VW Jetta $4900 136k Miles 01 Suzuki Vitara $4500 145k Miles 01 Honda Civic $4900 114k Miles 99 Acura Legend $4500 139 k Miles 99 Chevy S-10 $4400 121k Miles 96 F-250 Tool Trk $3400 125k Miles 829-0815 15 Ferry Place St. Augustine S.R.207 Great Running Cars with Warranties FOR SALE: Glass top dining room table with mable/wrought iron base; 6 white upholstered chairs, new $1300, now $500; White lighted chi 1-3 cushion, $200 each; Queen bedroom set, 5 pieces, $250; Kitchen set, table/4 chairs, $100; 2 end tables, $25 each; 3 glass top wrought iron base tables, 2 end, 1 coffee, new$900 now $400. all in like new condition. Call 794-5282. FOR SALE: Lane cedar chest, good condition, 18 wide, 44 long, 30 high. $64. Call 7945855. FOR SALE: Lift chair, ultimate in comfort & style, brown, like new, cost $900, asking $450. Call 797-5940 after 5 p.m. FOR SALE: Sofa, Love Seat & Over-sized Club Chair w/Ottoman, navy blue fabric, match ing pillows in navy blue, gold & white. Sold in a group for $500 or single pieces for best offer each, 3 years old.; 2 large round glass side tables w/heavy antique brass bases, excellent condi tion $65each; Black & chrome large TV stand w/2 shelves under for DVD player, tape player, 2-drawer chest on legs $20; Computer desk with pull out key-board shelf, Maple, 1 large cab inet drawer on the side $35; Light oak stand on $25; Desk chair with rollers, navy blue cloth cov ered $20; Aluminum crutches, pair, lightly used $20; Nova Walker, purple frame, black seat w/ storage under, hand brakes, Used 2 months $65; Aluminum basic walker w/front basket $20; Lampshades, ivory color, 1 large & 1 small $15. Call 794-4359 or 461-3243 ask for Dale. FOR SALE: Lane cedar chest, good condition, 18 wide, 44 long, 30 high. $64. Call 7945855. FOR SALE: 2008 Honda VTX motorcycle, 9,000 miles, black. In excellent shap, has bags and windshield, $4,999. Call (386) 338-8294 and leave message. FOR SALE: Gazelle Edge elliptical exercise trainer, fully assembled with computer for tim ing, calories burned, etc. $60. Call 794-9231. FOR SALE: Beautiful, thick wool rug with 2 Magnolia blossoms, brown background, 5 x 8, excellent condition, no pulls or stains. Original price $900+ asking $500. Call (904) 495-8034. FOR RENT: Fairview Condo, $700 per month, no pets, 2 bed/1bath, upstairs. Call 471-7596. WANTED: Anyone interested in playing cards.... hand & foot. Call 797-7436. FOR SALE: Three wheeled tricycle, manu factured by Miami Sun Company. Like new in excellent condition, has saddle seat, hand brake control and basket on back. Sells for $300 brand new, asking $100 cash. Call 829-3896. FOR SALE: Whirlpool Washer and Dryer, Elec tric, Excellent Condition, 3 yrs. old. asking $350; 2 IKEA Computer tables, white/silver, one small & one square. $20 each. Call 794-4226. FOR SALE: Lawn mower, Troy-Built, 21 high Blower, outdoors, Black & Decker, like new, $25; George Foreman Grill, Jumbo size, new in box, $10; Gibson 24 piece glassware set, new in box, $10; Gibson, 30 pc. stoneware set, new in box, $15; Minolta, SLR X-370 camera, 50mm, 1:1.7 12 (tripod with camera $65. Call 377-7191. FOR SALE: Beautiful brown vinyl wicker look patio set, square glass table top has wicker look border & space for magazines underneath, 4 sturdy high back chairs have nice thick taupe weather resistant cushions with lighter shade leaf & vine accents on seat/back cushions. Excellent condi tion, used very little in second home. Can e-mail photos upon request. Org. $400, sell for $180. Call (570) 883-0412 or (570) 540-6795. Find Joy at Shores United Methodist! 724 Shores Boulevard St. Augustine, Florida 32086 (904) 797-4416 www.shoresumc.org 9:00 a.m. Traditional Service 10:00 a.m. Sunday School 11:00 a.m. Contemporary Service A Dance Fitness Party For All Ages $5 Per Class Check Us Out! First Visit Free! J. STEVEN GRAVE S, P.A. Over 20 Years Experience FREE initial conference by telephone, 904-825-2387 4425 U.S.1 South, Suite 105, across from The Shores EAST COAST WELLS & WATER TREATMENT CALL 824-6630 Water Problems? Ask Polly!Polly Swindull Palencia PressP f fice of ______________________________________________________________________________________________ F AX Back to: (904)797-9449 or email: thepaper@bellsouth.netAD PROOF FOR APRIL 2013St. Augustine ShoresObserverW ill having a irrigation well lower my water bill?Y in short order, especially with the fact that county water the future.

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Month. Inaugurated by the Academy when publishers, booksellers, literary organizations, libraries, schools and poets around the country band together to celebrate poetry and its vital place in American culture. Shores resident Chris Bodor invites all poets and lovers of poetry to attend a free poetry reading with the Ancient Gallery Cafe of St. Augustine (located at from 3 to 5 p.m. The group was named in April of 2009 by Glenda Bailey-Mershon, who also lives in the Shores. For more informa tion, go to www.bodor.org or call The Gallery Cafe of St. Augustine at (904) 825-9944. 2 Bathroom unit. the scenery from your screened lanai. Great walking community, pool & tennis. $900 per month. w/ fenced back yard & owner pro vides lawn & pool care. Large 3 Bed, 2.5 bath w/ updated kitchen. New appliances & lots of cabinets with pantry. Master has shower w/ large walk-in closet and linen possible. $1350 per month. The Shores own young author and illustrators new childrens book, nominated for the prestigious Caldecott Award, is said to be a wonderful example of a book designed for parent and child to enjoy together. Marina Sergeyeva, the author of this book called Nikki & Nick are Great Friends to Pick!, was born in the Ukraine. Marina is a recent university grad, where she received her college and high school credits simultaneously, majoring in biochemistry and a degree in math. Her talent extends beyond aca demics, however. She was a dance major, for example, in a magnet high school. Now she has taken on writing and digital art, as self-taught, and was picked up by a small press Upstairs, features traditional poetry and short stories by Marina from her childhood to now as a young adult. The latest book, Nikki & Nick are Great Friends to Pick!, focuses on children and their learning with entertaining poems and interesting information. Marina is fortunate to have parent purchasers rave over this book thats both fun and knowl edgeable for their child. Miss Sergeyeva says how much fun she had creating the book. Signed copies of both of Marinas books are currently on the shelf of the St. Augustine Barnes & Noble book store. St. Augustine Shores Observer April 2013 3 MEDICARE PARTICIPANTS ACCEPTING NEW PATIENTS 829-2286 M.D. Best Vision Cen ter 10 Years 940-9200 News From Around The Shores Shores Resident Authors Childrens Book Marina Sergeyeva 904-797-6769 www.DeltonaRealtyInc.com or Email: melissa.owen@deltona.com with 1778 sq.ft. $1750. WANTED REWARD For the name of the person or persons stealing my Real Estate Signs. Whoever you are cease and desist! You are going on private property without being invited, and stealing my signs. If you are against having signs on properties for sale or rent, take it up with your Homeowners Association. Susanne Murphy, Successfully Selling St. Augustine Shores for almost 20 years! residents on April 10 th from 4 p.m. to 7 p.m. You are invited to take advantage of this great For more information contact Donna DeRusso Smith at 810-3608.

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St. Augustine Shores Observer April 2013 4 824-6630 Ninja RP2172520 The Best Mulching Mower $499.99 HiVac P2172520B The Best Bagging Mower $549.99 NXT 22875 Mow Says Buy This Mower, Its The Best Deal $419.99 150Z Consumer ZTR 18hp 33 Cut $2499.99 12.5 hp 28 Cut Starting at $1249.99 285Z Commerical Grade ZTR 21hp 42 Cut $2599.99 Free Assembly and Delivery, Serviced and Ready To Mow 3 Year Warranty (904) 461-0310 Scan To Go Directly To Our Website Financing Available Home Of The $3.99 Breakfast! Onions, Or Grits) Breast Fancy OPEN MON-THUR 7:30AM TO 6:00PM FRI-SAT 7:30AM TO 10PM SUNDAY 8AM TO 2PM Live Entertainment Friday & Saturday 6pm-9pm Bring In This Ad For A 10% Discount Home Systems Prices Great Service

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Equipment! This month I would like to answer some reader questions submitted through the email. Hello reader and thank you for the question. Buying a new mower is an investment the machine correctly. That begins with the handle assembly, how many of you readers have Absolutely Not! You may hear or read about extended warranties and similar customer. We want that customer to feel that their lawn equipment investment with Hello reader, boy if I had a nickel for every time this scenario played out, I think most of you know how I feel about fuel, dont get me started. Good news though, after some extensive research and some experimenting, we have discovered TRUFUEL. This is an engineered Fuel and Oil mix ready to use. It has the convenience of being a premix so there is no measuring; it has the performance for increased trigger response and smoother idling and the protection of NO Ethanol preventing downtime and costly repairs. And a shelf life that last longer than normal like two years after its premixed, no oil to buy, no gas to buy and its cheaper than shop labor rates. We give it 10 gold stars and highly recommend it. the Beach. Visit us at www.staugpowerhouse.com and if you have any questions for Mow St. Augustine Shores Observer April 2013 5 Ask Mow? Answering Questions About Homeowner Lawn St. Augustine Power House Spokesperson. (904) 501-3976 (904) 824-6564 LLC: L09000017989 Club News Join us for our FREE travel club get together. It will be held on Wed., April 10, 2013, at 3:00p.m. at the Southeast Branch Library. The feature of the afternoon will be Frances Alsace Region. The main focus of the Club is to educate, Travel Club is open to all St.Augustine residents, free of charge. We also would be happy to help you plan your trips to any destination as a free service of our expertise. Group travel can be arranged if enough members are interested. 3736 for additional information. The April meetings for Writers in the Shores will be on Tuesday the 9th and again on the 23rd. suggested for this months topic to write about on the 23rd. Come and check us out, everyone is wel come and we would like to invite anyone who loves to write. You do not have to be a member. We meet the 2nd and 4th Tuesday of each month at 1:30 p.m. here at the Riverview Club Library. We are a casual group who en requirements. All genres are encompassed. For information call me at 794-0789. April 16th Luncheon at Applebees at Noon. Members will be called. For information call Margaret Hand 794-4698 April 21st 4 p.m. Bring a snack. For information call Jodi Smith 599-308 Monday, Wednesday & Saturday at 9 a.m. Tuesday & Thursday at 1 p.m. Wednesdays at 7 p.m. A minimum purchase of three cards at one dollar each is required. Ten games of two parts each are played and all monies are returned to players. Monday, Wednesday & Friday at 12:30 p.m. Mondays at 10:30 a.m. Thursday at 12:30 p.m. & Tuesday at 7 p.m. Must have a partner to play. Info Nancy Willis 794-1855. -Tuesday & Thursday at 10 a.m. Donation at door Conversational French on Thursdays at 3 p.m. with Micheline Sterling -Wednesday at 10 a.m. Tuesday at 1 p.m. and Wednesday at 10:30 a.m. Monday, Wednesday and Friday at 9:00 AM and Monday at 7 p.m. & Tuesday at 8:30 a.m. Friday at 10:45 a.m. Additional mobility for those who have a hard time with clothing and bring a mat. April 7th Music by NOSTALGIA 6:00-9:00 p.m. Registration April 2nd and April 4th from 9 10 a.m. Dance Members and houseguests $5.00; nonmembers $10.00 April 20th Music by Ernie on the Keyboard 7 -10 p.m. Hosts: Arthur & Caroline Bernard. Registration April 16th and April 18th from 9 10 a.m. Members and houseguests $5.00; non-members $10.00. All dances are BYOB and snacks. For information 794-2000 Thursdays at 2 p.m. Members $2.50 per person, Guest $3.50. Call Dennis Salvati 461-6782. Rec. Association Meeting Second Tuesday of the month at 11:30 a.m. For information on any of the Riverview Club activities please call 794-2000. Learn to play a new and challenging card Jean Haggerson will be giving lessons start ing Monday, April 8th from 10 a.m. Noon For more information call Jean at 794-9443. Dont miss the Shores Spring Yard Sale on the grounds of the Riverview. The big sale will take place on April 6th from 8 a.m. to 1 p.m. The grounds of the Riverview Club You can find books, toys, clothing and furniture to baby items and household ap pliances. If you are looking to sale of your un during the yard sale. Space is free of charge to Shores residents. now reserve your spot. Call Lucille at 794-2000. St. Augustine Power House (904) 461-0310 Our Family Serving Your Family Since 1915. 1475 Old Dixie Highway St. Augustine, Florida 32084 (904) 824-1672 F UNERAL H OME REMATORY EMORIAL P ARK Justin Craig Licensed Funeral Director

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St. Augustine Shores Observer April 2013 6 Shores Residents....Send Us Your News. Send your news about what is going on REX JEWELRY Not Just For Tourists 27 Cuna Street 824-0116 Open 7 Days A Week Appliances used to be built to last. It seems now-a-days everything is built for temporary use the body can be replaced with a high percentage of success but many people dont realize the way they move and perform their daily functions may suggestions on how we move and function can them to last longer, and potentially reduce the need for replacement or surgery later in life. Such suggestions include: 1. When getting out of bed in the morning, bend your knees, roll to the side and sit up sideways. This log roll significantly reduces of the low back. 2. When sitting in a car, computer or chair at home and work, place a small pillow in the curve of the low back. This reduces pressure within the discs of the low back, supports the back so muscles dont have to work as hard and places the neck in a more neutral position. 3. When standing up after sitting, keep the back straight and lean forward at the hips. This too reduces stress in the low back. 4. When standing for prolonged periods (like in line at the store), place one foot slightly forward of the other and rock slowly back and forth. This reduces stress on the hips, knees and spine. 5. When bending and lifting, keep your back straight, bend your hips and knees and do not twist your spine. Turn by moving your feet, not with your back. and swing your legs in. When getting out of the car, lift and swing both legs, then lean forward at torsion forces on the back, hips and knees. 7. When performing activities like vacuuming, shoveling or cutting the lawn, lean forward at your hips and bend your knees, as if you were lunging forward. This reduces the need to bend forward in the low back region, reducing pressure within the discs. 8. Overhead activities can place undue stress on the tendons of the shoulders, so use a stool or ladder to reduce the amount you have to reach overhead. 9. Low impact aerobic exercise like walking improves cardiovascular function, burns calories, reduces weight gain, and may therefore decrease 10. Finally, at the end of the day, when it is time to sleep, make sure your pillow supports your head and neck in a level position, both when you are lying on your back or lying on your side. This of the neck during one of the times you are most immobile. You only have one back. By simply paying attention to the way you move may help it last your life time. If you are experiencing pain, decreased function of the spine or extremities, or sense you are moving incorrectly the therapists at First Coast Rehabilitation are the movement specialists who can help you to restore normal pain us at 904-829-3411 in St. Augustine or 386-325Jim Viti has been treating patients with low in orthopaedic physical therapy and lectures to physical therapists throughout the United States regarding low back mechanics, injury and treatment. 521 A1A Beach Blvd. St. Augustine, FL 32080 Fax (904) 461-8879 I can help make it happen! Call Now for a Free Market "Helping Dreams Come True" I only want cremation. Flagler Memorial Cremation Society 669-1809 Sharons Hair Studio Sharon & Angela, formely of Hair Machine have a combined 30+ years experience and invite you to bring in this ad for...... 794-0998 Walk-ins Welcome! WE DO PLUMBING! Prompt 7 Day Service Free Estimates 824-1836 20 OFF 00 SERVICE CALL Licensed # CFC057849 Dr. Howard Epstein, Urologist Howard B. Epstein, M.D., FACS Ultrasound exams. Biopsies. Radiation Seed Therapy. Anthony L. Cantwell, M.D., FACS 201 Health Park Blvd., Suite 215, St. Augustine Medicare & Most Insurances Accepted 824-1450 Now accepting appointments and referrals Dr. Anthony Cantwell, Urologist 904-794-0405

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St. Augustine Shores Observer April 2013 7 794-0117 New York Style 934 Santa Maria Blvd. (In The Shores) 2 SLICES CHEESE PIZZA $3.77 SPAGHETTI With Garlic Bread And A Drink $4.99 SUBS With Chips & Drink $5.99 CHEESE CALZONE $6.99 Meatball, Ham & Cheese or Salami & Cheese With A Drink Toppings .50 With Marinara & Drink Appointment To: Grocery Store, Doctors Appointment, Riverview Club Dances, Exercise Class, VFW Nights 1 For All Your Electrical Needs LARGE OR SMALL WE DO IT ALL! 460-1001 FREE ESTIMATES Ask About Our Specials And Discounts Our Community Newspapers Reach Thousands of St. Johns County Residents by U.S. Mail. Shores Beaches News Journal Computer Corner By Gary Herrick, Computer Professor mainely2@bellsouth.net This month I have a few updates and short topics to share. First, by the time this makes it to print updates are coming out every few days now. Apple issued an update that removed Java and if you need it for a website you click missing plug-in and it will download the latest. For those of you who has bought a new computer and were faced with a strange look ing Windows, here are a few tips to help you along. On your keyboard between the CTRL it is called the Windows Key. Windows 8 puts it to a greater use than past windows with ad ditional shortcuts using that key. For example holding the windows key and tapping the letter d will bring up the old desktop. Some of the following short cut keys also work on previous visions; I am going to abbreviate the Windows Key as WK: down) and some other settings WK+E Takes you to the old My Computer WK + X A very powerful list of tools for advanced users Hold the ctrl key down and tap the plus or minus sign to make the information on the screen larger or smaller. start typing the name of a program or setting you want and it will immediately take you to a search screen with all the apps and your request located. One last item for Windows 8, if you have some apps with x in the upper right and they do not work it, this means you initially did NOT create a live or Hotmail account, this would be a local account and many apps will not be able to work with a lo cal account. This can be changed by WK+W and type user, click or enter on user Susanne Murphy REALTOR, GRI, CRS Susanne Murphy Built! The Sign That Trust Looking To Re-Finance? Call Kevin Kelley Watson Mortgage (904) 233-7544

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St. Augustine Shores Observer April 2013 8 OULTRIE CREEK M NURSING & REHAB CENTER .. .your bridge between the Hospital & Home Moultrie Creek Nursing & Rehabilitation Center prides itself in providing home-like amenities during your stay. A personalized plan of care teaches and educates you for continued improvement after returning home. Gingie MacQueen, Admission Director 904-864-1051 Get $210 of Valuable Services for just $85 until 4/30/13 (904) 797-4126 Grand Ravine CGC 059033

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St. Augustine Shores Observer April 2013 9 INSURANCE NETWORK FIRST FLORIDA YEARLY PREMIUM *HIGHER LIMITS OF COVERAGE AVAILABLE* Includes $300,000 Liability Coverage, $1,000 Medical Payments to Others and a $2,500 AOP Deductible. Based on 2009 Masonry Home. The seldom used coupling of a charitable gift annuity with a single premium immediate an nuity can provide clients with an easy and tax ef are excluded from the estate with no market risk. Leaving out trust documents and legal fees, this strategy will simultaneously provide tremendous The charitable gift annuity is a contractual arrangement between a donor and a charity. The donor makes an irrevocable gift in exchange for guaranteed payments for life. The charity issues the gift annuity agreement, then sells (if neces sary) the assets gifted, and places the funds into a separate account on behalf of the named annuitant. The charity can then either self-insure or reinsure its payment obligation while making the stipulated payments to the annuitant for life. Although the term reinsurance is misused in this context, the charitable community does not refer to such an arrangement as reinsurance. It involves the purchase of a single premium immedi ate annuity contract by a charity from an insurance company. The insurance company guarantees the lifetime payments the charity is obligated to pay through a gift annuity agreement. The insurance company makes payments directly to the charity on the same periodic basis as the payout obligation that the charity has made to the named annuitant. The remainder (the amount donated less the reinsurance premium) is available to the charity immediately. Government regulations require charities that self-insure gift annuities to reserve 100% of the risk, effectively restricting the use of amounts contributed until the annuitants death. However, in most states, should 100% of the gift annuity risk be reinsured by an authorized insurance company, no reserves are required. The following tip demonstrates how charitable reinsurance can be used for a variety of client planning goals: Beth, age 75, is frustrated by the renewal rates of her immediate gift annuity with the Charity. In doing so, Beth can generate an annual lifetime payout of $5,800 as well as a substantial income tax deduction. Gift Amount $100,000 Tax Deduction $41,015 Income Tax Savings $11,540 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. Call Us At 794-7001 No Job Too Small Free Estimates License # ST-2615 Residential-Commerical Interior & Exterior Serving Shores Residents Since 1973 Quality Work, Licensed, Insured & Bonded Your Shores Neighbor At 765 Delmora Lane (904) 797-3101 Pressure Washing

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St. Augustine Shores Observer April 2013 10 St. Augustine Shores Observer April 2013Shores Service Corporation News Allocation Of The $29.00 Monthly Maintenance Fee This chart shows distribution of the maintenance fee through each cost center. Funding of the reserves to match the Dreux Isaac Study consumes $3.91. The resulting surplus is marked as contingencies for unforeseen situations that may arise over the year. Riverview Club Pool Deck Project Underway Shores Budget 2012-2013 The project for replacing the deck around the Riverview pool is moving quickly to be in place by the April 1st, opening day for the new swimming season. Parry Pools, Inc., a Jacksonville pool contractor was awarded the work contract for $75,000.00 after a sealed bid submission along with three other pool contractors. In addition to the winning bid, Parry Pools was required to provide $1,000,000.00 insurance policy and to post a performance bond. Performance specifications for the project were developed by Wet Engineering of Jacksonville who was hired by the Service Corporation last fall to provide engineering expertise and overall supervision of the project due to its 10,000 square foot size and drainage complexity. Parry Pools has cut the concrete deck to receive a new, expanded drainage system. Following drain installation Parry Pools is laying a one inch bed of sand for installing 2 3/8 inch pavers on the entire deck area. The raised area at the edge of the pool will have cracks repaired and pavers installed. Paver installation in front of doorways will be matched to threshold level so no step up or down situation exists. W et Engineering is reviewing progress steps to be sure materials meet specifications and that all construction and safety codes are met prior to opening day. Bath houses are being painted and repaired for the coming swim season. The Service Corporation is moving to set up funding through a Dreux Isaac supervised maintenance program for a complete renovation of the bathhouses in the near future. Presented here are details of the St. Augustine Shores Service Corporation 2013-2014 budget which will meet the needs of the community with no increase in the $29.00 maintenance fee for the next fiscal year. While maintenance fee increases from new construction have not been a large factor, the Service Corporation is making progress in collecting payments of delinquent fees and legal expenses with nearly $60,000.00 received versus $24,000.00 in the 2012-2013 budget. For more information or for hard copies of the budget, contact the Service Corporation office at 794-2000.ABOVE: Jon John with Parry Pools prepares to lay pavers on the Riverview Club pool deck. The project is on track to be finished by April 1st, which is the official opening of the pool for the swimming season. Shores Service Corporation (Homeowners Association) Meetings are held on the 2nd Thursday of each month at 7 p.m. Meetings are held at the Riverview Club.

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St. Augustine Shores Observer April 2013 11 St. Augustine Shores Observer April 2013Shores Service Corporation News Common Grounds This chart breaks down the allocation for common grounds activity. Included is median, swale, parks and lake maintenance, mulching, trees, flowers and shrubbery, tree pruning and removal, irrigation systems, utilities, including streetlights and trash costs. Riverview Building This chart shows costs for the operation of the Riverview Building. Employee costs comprise a coordinator for scheduling and renting the facility and an activities hostess. Other expenses included cover replacement and maintenance of mechanical systems, plumbing, electrical components, janitorial services and supplies, pest control, furniture repair and replacement and property and liability insurance. Pool This chart breaks out the expenses directly related to the Riverview Facility pool. The pool attendant costs are minimal due to the installation of the access card reader system. Liability and property insurance, repair and maintenance, chemicals and utilities expenses related to the operation of the pool are shown. GenL and Administration Budget This chart shows the costs attributed to administering the functions of the Service Corporation. Employee costs not allocated to other cost centers are show here. Legal fees, collection costs, and bad debt expense, computer system hardware and software costs, postage costs, annual meeting expense, maintenance fee coupon books and insurance costs are included. Shores 2013-2014 Budget (Continued From Page 10)

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St. Augustine Shores Observer April 2013 12 St. Augustine Shores Observer April 2013 See a full listing of our services and specialties at www.firstcoastrehab.com Hwy 312University Blvd.Flagler HospitalUniversity of St. Augustine Sgt. Tutten Drive Matanzas River San Bartola One Therapist One Patient One Plan One Goal T wo Locations1 University Boulevard St. Augustine, FL 32086 Ph: (904) 829-3411 Fx: (904) 829-3412 800 Zeagler Dr. Ste 510 Palatka, FL 32177 Ph: (386) 325-2721 Fx: (386) 325-2720 Putnam Community Medical CenterOld Wolf Bay Rd Ste 510Zeagler DriveNW State Rd 20