Mercer Island Reporter, October 19, 2011 by Sound Publishing

REPORTER

Mercer Island www.mi-reporter.com

MI | THIS WEEK

Serving the Mercer Island community since 1947

WEDNESDAY, OCTOBER 19, 2011 | 75¢

Insurance review of Lindell case is complete

Stairway to heaven

Homecoming Parade in Town Center 4:30 Friday, Oct. 21 The 2011 Mercer Island High School Homecoming Parade is set for 4:30 p.m. on Friday evening in the Town Center. The band will head north from Mercerdale Park on 77th Avenue S.E., then turn east on 27th and back south toward the park. Hear the Rose Bowl-bound marching band, see cheerleaders, floats and more. The football game against the Sammamish Totems begins at 7:30 p.m. at Islander Stadium and will also feature All-Island Band Night.

By Reporter Staff

Clothing drive for Union Gospel Mission Jimmy Abrahamson of Boy Scout Troop 624 of Mercer Island Presbyterian Church is organizing a winter clothing collection drive for Seattle’s Union Gospel Mission. Donated clothing can be turned in at the North-end QFC from 1 until 5 p.m. on Saturday, Oct. 22. Door-to-door collections will be picked up the same day as directed on the door flyers. There will also be collection barrels at Holy Trinity Lutheran Church and Emmanuel Episcopal Church. The Mission especially needs winter jackets, long pants, warm shirts, ponchos, large-sized men’s underwear, socks, shoes and blankets. For information, call (206) 920-0439.

Contributed Photo

This magnificent hand-crafted staircase, made of rare woods, represents just one fantastic feature of an Island home on East Mercer Way where wood, water and stone combine to form an unusual oasis of art and comfort. See page 23 for the story.

1962 World’s Fair celebration begins Islanders among first to get a peek at new book to be released Oct. 21 By Reporter Staff

City recycle day is Saturday, Oct. 22 Got some pesky old appliances to dump, tires or cardboard? Load up the SUV and haul the junk down to the Island boat launch between 9 a.m. and 3 p.m. at 3600 East Mercer Way. But check with the city before you go at www.mercergov.org to see what is accepted and what fees may apply.

It was so long ago, but only yesterday. 2012 will mark the 50th anniversary of the 1962 World’s Fair held in Seattle during the dawn of the tumultuous 1960s. The nation pause between the end of wars, when JFK was president, the United States was inching toward the moon and Vietnam was not yet a household word. The fair was part of the tradition of world’s fairs held every four years across the United

States, beginning in the late 1800s. Its purpose was to feature both the new and the exotic — to serve as an entree into the world that lay ahead. The fair showed off new ideas, such as a machine that made change from dollar bills, pager-type devices called ‘Bellboys’ and the future of

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flight and space, in which Boeing played a key role. Abook,“TheFutureRemembered, The 1962 Worlds Fair,” was written by two authors long associated with documenting Washington State history: Paula Becker and Alan Stein. The authors, of Historylink.org, will appear at 1 p.m. on Saturday, Oct. 23, at the Mercer Island Library.

The Washington Cities Insurance Authority, the agency that insures the City of Mercer Island, and cities across the state, ordered an independent review of the Lindell v. the City of Mercer Island lawsuit. The review, conducted by the Seattle law firm of Michael & Alexander, was summarized in a four-page letter addressed to the mayor and deputy mayor, and was delivered Monday. The letter offers an analysis of the case point-by-point and finds that a number of incidents reported to have occurred, in fact did not, and clarifies actions of the courts. The letter, received just before Reporter deadline, is posted on the Reporter website at www.mireporter.com.

The Reporter invites Islanders to send in digital (scanned) photos of themselves at the fair and details about what they saw and thought. Send photos and comments to rmar@ mi-reporter.com. The Mercer Island High School girls swim team beat Interlake last week. See Sports on page 10 for details.

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Page 2 | Wednesday, October 19, 2011

MERCER ISLAND REPORTER | www.mi-reporter.com

Values vs. experience in City Council race The ballot for city and school district officials in the November election is light. Of the seven open positions in total for the Mercer Island School District Board of Directors and the Mercer Island City Council, only one citizen has come forward to challenge the status quo. Debbie Bertlin is running against three-term incumbent El Jahncke for Position 7. Bertlin graduated from Mercer Island High School in 1982. She attended col-

lege at Stanford University, where she earned degrees in sociology. She was the 1988 recipient of the Mercer Island Rotary graduate scholarship that paid for studies in the U.K., where she earned a Master of Arts in political science. She has spent most of her professional career working for Microsoft. Bertlin and her husband have two children, ages 4 and 6, and live on First Hill. She is active in many community organizations, including the Mercer Island Preschool Association, Emmanuel Church Day School, and is the chair of

REPORTER

Mercer Island

Volume 54, No. 42 7845 S.E. 30th Street Mercer Island, WA 98040 Publisher

Janet Taylor jtaylor@bellevuereporter.com Editor Mary L. Grady editor@mi-reporter.com News staff Linda Ball lball@mi-reporter.com Megan Managan mmanagan@mi-reporter.com Rebecca Mar rmar@mi-reporter.com Advertising Theres’a Baumann tbaumann@mi-reporter.com Production Melanie Morgan mmorgan@mi-reporter.com Main desk (206) 232-1215 Fax (206) 232-1284 Display (206) 232-1215 Advertising Display ad deadline is 10 a.m. Friday Classified (800) 388-2527 Marketplace Classified ad deadline is 11 a.m. Monday The Mercer Island Reporter (USPS 339620) is published every Wednesday by Sound Publishing, Inc. Second-class postage paid at Mercer Island, WA. Subscriptions: $39 per year. Postmaster: Send address changes to Mercer Island Reporter, 7845 S.E. 30th Street, Mercer Island, WA 98040. For newspaper home delivery/billing, please call (253) 872-6610 or email circulation@soundpublishing.com.

the Conservancy Trust. She has hands-on experience with planning and procuring playground equipment and sidewalks through the city and other channels. She calls herself a “parks person,” and is a lifelong swimmer. Bertlin was one of 17 applicants who applied in Januar y Debbie Bertlin for the Council seat left vacant by Steve Litzow, who was elected to the state Senate last November. She told the Reporter in June that “she wants to know if Islanders find the Council relevant to their daily lives.” She voices a concern that the Council’s communication style, or lack thereof, puts people off. “It is not only about family values in the old sense,” she explained. “For singles and older citizens, it might need to be directed to a person’s sense of, ‘What about me?’” Her top three priorities center around transportation issues, both on the Island

and region wide; improved city-school district cooperation and a Council that will “consistently acknowledge and address the needs of a diverse Island community.” El Jahncke has lived on the Island since 1978. He and his wife have three grown children. He has served on many community governing boards. They include the school district’s Strategic Planning and Facilities Committees during the 1990s, the city’s Utility Board, Planning Commission, Parks and Recreation and Public Safety Committees. Jahncke holds a degree in political science from Stanford and a MBA from Columbia University. A decorated military veteran, Jahncke entered the Navy through Officer Candidate School and became a Navy SEAL. He made two combat tours to Vietnam and was a leader in the NASA Apollo 12 and 13 ocean recoveries. Jahncke’s website offers this summary of his business experience: 30 years of investment, management and financing experience in commercial real estate. For the past 20 years he has been

In a discussion last week with both candidates, the Reporter asked about the repercussions of the Lindell lawsuit and its settlement. Both candidates note the difficulties that the city faces in the aftermath of the lawsuit brought against the city by former city attor ne y and assistant city El Jahncke manager, L ond i Lindell. “It has not been a happy environment,” Jahncke noted, “nor a constructive one.” Bertlin said the key to repairing the damage is to do an analysis of city human resources policies and work with staff to avoid future conflicts. “There has been paralysis

over the (Lindell) lawsuit,” she said. “I and many I have talked to, have questions about the legitimacy of transparency of the city government,” Bertlin continued. Jahncke answered that the Council and staff were forbidden to speak about such matters while the case worked its way through the court. The Council has constraints on what can be discussed in public regarding personnel or other matters. Regardless, he said, more information about the lawsuit is imminent. “An evaluation of HR and the city manager is coming,” he said. “It will be made public.” Bertlin counters that what you do and how you do it establishes leadership. But beyond perceptions, Jahncke says the city is well managed, well run and boasts a healthy surplus. “These are the result of a cumulative diligent effort over a long period of time,” he said. About budget cuts to programs that impact residents and families, Bertlin noted that some did not make sense in terms of parks and safety. Jahncke replied that decisions to cut were made in order of “sticking to priorities.”

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a principal of an investment management company with $2.6 billion of labor union pension assets under management. Jahncke also emphasizes his ‘green’ side in his work, pointing out that it has involved multi-million dollar finance deals for construction of energy-efficient buildings.

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Community briefs Mercer Island Florist celebrates 50th anniversary with food drive Donations to the food pantry are being doubled this month at Mercer Island Florist, one of the Island’s oldest retail establishments. The florist shop is celebrating 50 years on the Island by matching donations poundfor-pound during October and giving away prizes. “This is part of our giving back to the community,” said owner Diane Larson, 58. The Mercer Island Youth and Family Services Food Pantry serves Island residents and families in need. Larson attributed the florist shop’s long tenure on the Island to the support of the community.

Mercer Island Florist opened when Earl and Anne Payne bought Browne’s Florist and Nursery. The shop was located near Starbucks on the North end, then moved to the Island Market Square. When the Paynes retired in 1986, longtime designer Shirley Larson, Diane’s mother, took over the business. Diane has run the business since her mother’s retirement 14 years ago, and in 2003 the shop relocated to its current site at 3006 78th Avenue S.E. For more information, go to www.miflorist.com or call (206) 232-2990.

Emergency kits for vulnerable seniors The Senior Foundation of Mercer Island has assembled 40 emergency preparedness kits to give to vulnerable

Rebecca Mar/Staff Photo

The staff of MI Florist, Jim Arensberg, Diane Larson, owner, Linda Himmelheber, Katie Hopkins, volunteer, Marcella Keefe and Yuzhen Liao with donations to the Food Pantry. Island seniors to help sustain them for a week in case of a disaster. The foundation needs help from the community with identifying potential recipients who are currently living on their own who will be able to access and use the contents of the kits. These people might not have transportation or funds to purchase the supplies included. Please con-

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tact Leslie Scott (232-4597) with names, all of which will be kept confidential. The foundation will arrange to deliver the bags.

Wednesday, October 19, 2011 | Page 3 Each kit, in a red canvas bag, contains bottled water, hand sanitizer, an emergency/space blanket, a three-day energy bar, flashlight, first aid kit, a mediset, a wallet magnifier, a battery operated radio and black plastic bags for an emergency toilet should utilities be unavailable. It also has a booklet on Emergency Preparation from the city along with an advisory notice to post in a window: ‘OK’ or ‘Need Help’ to facilitate a drive-by disaster survey. Funds to underwrite these bags, along with 60 additional bags for residents of Ellsworth House, have come from a combination of grants from Mercer

Island Rotary and the Senior Foundation.

Club Emerald hosts ‘Spark’ for girls Jill Rose is leading a program called “Spark,” an eight-week curriculum designed to empower and inspire middle school girls through yoga and creative arts. Each week features a theme relevant to a teenage girl’s experience. Topics include “Strength,” “Trust” and “Beauty.” Sessions are two hours each Monday from 2 to 4 p.m. at Club Emerald (3028 78th Ave. S.E.).

Page 4 | Wednesday, October 19, 2011

RE-ELECT

MERCER ISLAND REPORTER | www.mi-reporter.com

EYE ON MI | LETTERBOXING CHAMPS

www.VoteForEl

JAHNCKE For Mercer Island City Council www.VoteForEl.org

Mercer Island faces important decisions in the coming years â&#x20AC;&#x201C; how to best manage city center parking, community facilities, transportation needs, and tax dollars to ensure a continuation of the quality of life we enjoy here.

Nineteen people were winners in the 2011 Pioneer Park Letterboxing Contest this year. The winners include: Taylor Winnie, Lauren Ralph, Ellie Williams, Annie Ritcey, Melanie Bantle, Hanna Graham, Mia Graham and Tess Ritcey. Got a photo youâ&#x20AC;&#x2122;d like to share with the Island in our â&#x20AC;&#x153;Eye on MIâ&#x20AC;? feature? Email your image with a caption about where and when it was taken to editor@mi-reporter.com.

In order to address the issues, cooperative relationships are needed among the City Council and the School District, the Department of Transportation, and City staff. As a social moderate and fiscal conservative, I will continue to be an independent voice willing to speak out on the issues facing our City and neighborhoods.

PHOTO REPRINTS www.MI-Repor ter.com Photographs are available for purchase from the Mercer Island Reporterâ&#x20AC;&#x2122;s online galleries at http://gallery.pictopia.com/pnwlocalnews/gallery/97331

Long-Standing Commitment to Mercer Island Current Deputy Mayor Chairman of City Council subcommittee on Public Safety Served as Director on Mercer Island School Board, 1993-97 Chaired School Districtâ&#x20AC;&#x2122;s Facilities Committee, 1992-93 Served on School Districtâ&#x20AC;&#x2122;s Strategic Planning Committee, 1994-97 Active in school and community since moving to the Island in 1978

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We believe El Jahncke will continue to provide the leadership Mercer Island needs to maintain our quality of life MI Mayor Jim Pearman; MI Councilmember Jane Meyer Brahm; MI Councilmember Mike Cero; Former MI Mayor Bryan Cairns; Former State Representative Ida Ballasiotes; Former MI Councilmember Susan Blake; Former MI School Board President Carrie George; Former MI Councilmember and President of Quadrant Homes Peter Orser; MI School Director Brian Emanuel; Former MI Councilmember and Citizen of the Year John I. Nelson; Former State Senator and Former MI Mayor Jim Horn; Former MI Councilmember Linda Jackman; 2009 MI Teacher of the Year Jan Sayers; Planning Commission Chairman Adam Cooper; Design Commission Chairman Emmett Maloof; Planning Commissioner Jon Friedman; Planning Commissioner Steve Marshall; Utility Board Chairman David Laub; Utility Board Rob Sexton; Conservancy Trust Robert and Ann Thorpe; Sarah Rindlaub; John and Dawn Naye; John Frazier; and these state and regional leaders: King County Councilmember Jane Hague; Washington State Attorney General Rob McKenna

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Page 6 | Wednesday, October 19, 2011

MERCER ISLAND REPORTER | www.mi-reporter.com

EDITORIAL

Online poll: Do you feel the financial protests held in Seattle and around the U.S. will make a difference? Vote in the latest poll online t 63.89% said no, it’s not enough to change things. t 36.11% said yes, it brings attention to the problem. at www.mi-reporter.com WEDNESDAY, OCTOBER 19, 2011 | PAGE 7

MERCER ISLAND REPORTER | www.mi-reporter.com

Experience counts

To the editor

Financial management skills important

slanders must decide between two excellent Island citizens, Debbie Bertlin and El Jahncke, who represent very different demographics, points of view, skills and ambitions to fill Pos. 7 on the Mercer Island City Council. Educated and articulate, Ms. Bertlin grew up on the Island, works for Microsoft and lives here with her family. She is involved and focused on issues that relate to the needs of families and children as well as quality of life. She is an active member of the Mercer Island Preschool Association, the virtual cradle of Island activism, and the Conservancy Trust. She wants the Council to take a holistic approach to Island issues — taking the time to trace how a decision will affect citizens of all levels. She is critical of how the need for service cuts have affected certain groups. She calls for more transparency and collaboration between the city and its citizens. Incumbent Jahncke has lived on the Island with his family since 1978. He and his wife raised three (now grown) children, one of whom is a teacher here. He has served three terms on the City Council. Prior to his Council tenure, he was elected to a four-year term on the School Board and has served on many boards and committees. He works for a firm that manages multi-million dollar investments in real estate. He is the only person on the Council who has such in-depth, hands-on financial expertise. Mr. Jahncke is a hard-headed, matter-of-fact numbers guy, who is focused on the practical. Yet he understands the need for cooperative relationships focused on common goals. His top priority in the coming term, he said, is coordinating with the school district on the financing and rebuilding of Island schools. While it is easy to parse how edicts may affect one sector or program differently than another, the bottom line is to keep essential services at the top of the list. The trick is to listen and remain just flexible enough to make adjustments along the way. We believe that Mr. Jahncke’s expertise and financial focus on the city’s essential duties give him the edge over Ms. Bertlin. We endorse him for City Council Pos. 7. However, we absolutely want to see Ms. Bertlin run again in 2012.

‘The bottom line is to keep essential services at the top of the list.’

ISLAND

TALK

I am asking the people of Mercer Island to vote for El Jahncke in the upcoming election. I have known El for a number of years because our paths crossed in the commercial real estate finance business. I know him to be a man of integrity, hard work and common sense. El brings the financial management skills he has honed in business to our city budget. He is known to be the expert on our city finances. For the past four years, Mercer Island has run budget surpluses and has accumulated substantial reserves. El is our current deputy mayor and enjoys the support of the majority of the City Council and several former mayors. He has served as a director of the Mercer Island School Board. He is well-informed on current issues facing the City Council, such as the future I-90 HOV lanes situation. Mercer Island would benefit by retaining Mr. Jahncke. Paul Buckley Smith

City needs new leaders I am supporting the election of Debbie Bertlin to the Mercer Island City Council. We are at a point with our city where we need new leaders — people with energy, vision, ideas and passion. Debbie embodies all of that and more. Debbie grew up on Mercer Island, graduated from MIHS, is raising her family here, has years of experience as a successful businessperson both in the U.S. and abroad, and has been active in our community. Now more than ever, her fresh, vibrant and relevant voice is exactly what our city

requires. Our City Council has gone through difficult times as of late. If a person like Debbie had been on the Council, it is very possible that her perspective would have taken us in a different and better direction that could have avoided at least some of the problems we have experienced. I am the first to acknowledge that we could have used someone like Debbie to provide us with viewpoints that we did not consider. Debbie’s opponent, El Jahncke, is a good person and someone I have had the privilege of working together with over the last 12 years. We are at a point, however, where El and I will need to move on and make room for the next generation of leaders — people like Debbie Bertlin. I can only hope that when I leave the Council in two years, there will be others like Debbie willing to take on the challenge of governing. I urge you to support, endorse, donate to and vote for Debbie. You

can learn more, officially endorse, ask for a yard sign, sign up as a volunteer and make a much-needed donation at ElectDebbieBertlin.org. Change is difficult but necessary. Debbie has the character and the skills required to represent us for years to come. For the sake of our community, I urge you to support her. Dan Grausz Mercer Island City Councilmember

Leadership experience unmatched During my 35 years in the executive search profession, I had the pleasure of meeting and evaluating literally hundreds of leaders from a broad spectrum of backgrounds and experiences. It is with this background that I write this letter to enthusiastically endorse El Jahncke for reelection to our City Council.

LETTERS | PAGE 9

The city is putting in a new traffic light downtown. Do you think it will help traffic?

“I think it will help, especially during the busy times.” CAROLE BRANOM Retired Mercer Island

““I think it will.” JOAN WOLD Teacher’s assistant Mercer Island

“ doesn’t seem like a “It b bad idea.” RICH RONALD (& BLAKE) Attorney Mercer Island

“ long as they have it “As sset up with the flow of ttraffic.” HAIRY ALLPER PR/Marketing Mercer Island

“ think with a traffic “I llight there, there will be more traffic. For Mercer m IIsland’s population size, it’s not needed.” MOHAMMED AHMAD Software engineer Mercer Island

“ think, yes, it’s fabulous. “I II’m a pedestrian most of tthe time.” ALETA FINNILA Homemaker Mercer Island

THE RECORD

PAGE 8 | WEDNESDAY, OCTOBER 19, 2011

OCT. 4

OCT. 6

BIKE FOUND: A Mercer Island

MALICIOUS MISCHIEF: An

man reported an abandoned bicycle to police. He found the bike in a parking lot in the 3200 block of 78th Avenue S.E., and some children were riding it.

unknown suspect(s) broke the driver’s window of a Hyundai Elantra between 6:45 and 7:15 p.m. in the 2000 block of 84th Avenue S.E. The vehicle was parked at Luther Burbank Park in the northeast corner of the north lot. The window frame was scratched, but nothing was stolen. The total damage was $220.

OCT. 5 BICYCLIST HIT: A van driven by a 76-year-old man struck a bicyclist at 4:24 p.m. in the 3600 block of West Mercer Way after pulling away from mailboxes on West Mercer Way and proceeding to turn up Maker Street. The bicyclist, a 23-year-old Seattle man, sustained an abrasion on his left leg and hip. The driver was cited for failing to yield the right of way to the approaching bicyclist, who later declined medical aid. One witness was present.

OCT. 7 CAR PROWLS: A Garmin GPS, technician’s bag and circuit tester were stolen out of a vehicle in the 7800 block of S.E. 28th Street sometime overnight. Forced entry into the vehicle was not made. Martial arts equipment, including a helmet, chest protector and elbow/knee pads, and a GPS unit were stolen from a Toyota Sienna

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Mercer Island

Robert A. LaPlant Robert A. LaPlant, 80, died with his three children at his side on October 3, 2011, after a valiant five-year fight against cancer. Bob was born to the late Delore and Martha LaPlant of Genoa, Ohio. He is also preceded in death by his brothers Gerald (Marilyn) of Toledo, Ohio and James of Gibsonburg, Ohio. Last year his beloved wife, Joyce, of nearly 58 years passed away and we are comforted by the thought that they are happily reunited. Graduating with a Bachelor of Science degree in Business Administration from Bowling Green State University in 1953, he joined Travelers and had a successful 38-year career living in Hartford, Pittsburgh, San Diego, and moving to Mercer Island in 1967. He shared his passion for travel with Joyce and they enjoyed countless cruises and experienced many adventures around the world. Bob is survived by his daughter, Suzette, of Seattle; son Dr. Don (Denise) of Poulsbo; son Tom (Denise) of Mercer Island; and four grandchildren James, Catherine, Caroline and Eric; and sister-in-law Patricia LaPlant of Gibsonburg, Ohio. In addition, he is survived by 13 nieces and nephews and relatives whom he loved. He shaped an important part of our journey and he will eternally live on in our hearts. The LaPlant family would like to express their gratitude to the many physicians and nurses for taking good care of Bob the last five years and to his wonderful neighbors and treasured friends who were an important part of his life. An intimate celebration of his life is being planned for later in the year. Memorial donations in honor of Bob’s memory may be made to your favorite charity. 536341

van sometime overnight or in the morning. The vehicle was left unlocked in a private area in the 8100 block of S.E. 37th Street. The estimated loss was $450. There are no suspects or evidence. FORGERY: A 41-year-old Seattle man forged a check and brought it to Banner Bank on Mercer Island at 2:59 p.m.

OCT. 8 ARREST: Police stopped a vehicle without headlights on after dark in the 9600 block of eastbound I-90. The driver, a 47-year-old Renton man, had five counts of failing to appear in court and was arrested at 1:30 a.m. for driving with a suspended license. He was later cited and released from the MIPD, and his vehicle was picked up by its registered owner. DRUGS: Police stopped a vehicle with expired tabs and arrested the driver, a 30-yearold Mercer Island man, at 3:39 a.m. in the 4000 block of Island Crest Way. The driver gave permission to have his vehicle searched after police noticed an odor of marijuana. Police found a small bag of marijuana and a glass pipe. THEFT: A gold pendant necklace and matching earrings were stolen from a 51-yearold South end Mercer Island woman’s dresser sometime after Oct. 4. She suspected her daughter, 21, who had taken items in the past. The pendant was “Mother of Pearl,” with diamonds.

OCT. 9 ARREST: A 26-year-old Kirkland man was transferred from the King County Jail to the Issaquah Jail on a $2,500 misdemeanor warrant.

OCT. 10 LOST ITEMS: An abandoned

Diamondback Traverse mountain bike found in the 8400

Street sweeper rolls over, driver cited A street sweeper (not owned by the city) rolled backwards after it was unhitched from a large, parked truck at 8:55 a.m., Oct. 7, in the 4200 block of Mercerwood Drive. It rolled around a curve, struck a large metal pole in a driveway and tipped over. The driver, 24, was ejected from the sweeper and reported pain in his hip and leg. He was cited for driving with a suspended license. block of S.E. 68th Street was turned in to the MIPD at 8:14 a.m. ARREST: A 38-year-old Seattle man was transferred from the Regional Justice Center in Kent to the Issaquah Jail on a misdemeanor warrant. CAR PROWL: A Makita drill worth $200 was stolen from the back seat of a truck at the park and ride in the 2300 block of 70th Avenue S.E. The driver’s window was broken and the theft occurred between 8:07 a.m. and 5:15 p.m. There is no suspect information.

OCT. 11 ID FOUND: A pedestrian found

a driver’s license in Luther Burbank Park at 11:38 a.m. The license belonged to a car prowl victim from Arizona.

OCT. 12 BIKE FOUND: A Novara Aspen

model bike was dropped off at the MIPD at 11:30 a.m.

OCT. 14 CAR PROWLS: A shoulder bag was stolen from the passen-

PUBLIC NOTICES CITY OF MERCER ISLAND NOTICE OF SPECIAL (JOINT) MEETING Notice is hereby given that the Mercer Island City Council will hold a Special Joint Meeting with the Mercer Island School District Board. This meeting will be held on Thursday, October 27, 2011 from 5:15 pm to 7:25 pm at the Crest Learning Center located at 4160 86th Avenue SE, Mercer Island. Tami McNeal Deputy City Clerk

Rebecca/Staff Photo

Construction has begun on a new traffic signal at the crosswalk at S.E. 42nd Street and Island Crest Way. ger footwell of a Toyota SUV after a window was broken between 9:30 a.m. and 1:40 p.m. on the shoulder of the road in the 1600 block of 72nd Avenue S.E. The bag did not contain any valuable items. A purse was stolen out of a Ford Freestar between 11:30 a.m. and 12:30 p.m. in the 2600 block of 84th Avenue S.E. The purse contained a prepaid cell phone, cash, ID and a debit card, which was used to purchase gas at an unknown location after the theft. ARREST: A 23-year-old Mercer Island man was transferred from the King County Jail to the Issaquah Jail on a $5,000 warrant for minor in possession. MALICIOUS MISCHIEF: A Mercer Island woman reported that she came home at 10:38 p.m. and found another person

Published in the Mercer Island Reporter on October 19, 2011. 534503.

To place a Legal Notice, please call 253-234-3506 or e-mail legals@ reporternewspapers.com

there. Her husband then threw rocks at her vehicle.

OCT. 15 CAR PROWLS: Multiple items were stolen from a Nissan Pathfinder between 9:45 a.m. and 12:40 p.m. in a parking lot at S.E. 26th Street and 84th Avenue S.E. A bag of clothes, wallet, credit cards and health insurance card were stolen. Police notified the owner of the prowl. The owner had been on a bike trip. The driver’s window of a Honda Civic was smashed between 10:30 a.m. and 12:30 p.m. in the 2600 block of 84th Avenue S.E. An external hard drive, bike tools and cycling arm warmers were stolen out of the vehicle.

OCT. 16 CAR PROWL: Two windows

were broken out of a Subaru Impreza between 11:15 and 11:53 a.m. in the 8400 block of S.E. 26th Street. A TomTom GPS unit and cell phone were stolen. The victim did not have the serial numbers of either item. For Insurance and Financial Services 530456

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In summary, El has the background and depth of experience for our community that is unmatched by any other Council member or candidate for City Council. Additionally, El and his wife, Gayle, have lived on Mercer Island since 1978 and he has been actively involved in community affairs since 1992. His three children attended Mercer Island schools and one is now a teacher at Mercer Island High School. He served on the School Board from 1994 to 1997. In his position on the City Council, El has been involved with issues ranging from public safety to city planning. He has a deep-rooted connection and involvement in our community that is unsurpassed. During his three terms on the City Council, El has worked to address community priorities and we have seen many improvements on Mercer Island, from the Community Center to ball fields to downtown parking. El Jahncke continues to highlight issues that most impact Mercer Island

to Mercer Island. I met residents and foster a sense of community. These Debbie in a Mercer Island park over five years ago, issues include transportawhen our daughters were tion and infrastructure just a year old. As a friend (access to I-90, expanding Iâ&#x20AC;&#x2122;ve witnessed her devotion capacity at Mercer Island to her family and commuschools, finding a solution nity. Working with Debbie, for our aging public pool) both on the Mercer Island and maintaining the cityâ&#x20AC;&#x2122;s Parks and sound fiscal Recreation management. Task Force, In many and as a ways, Mercer Send your letters to: committee Island is a editor@mi-reporter.com. chair for â&#x20AC;&#x153;model cityâ&#x20AC;? Keep it brief, courteous, the Mercer and we are and sign your name. Island blessed, but Preschool it will conAssociation, tinue to be Iâ&#x20AC;&#x2122;ve appreciated her abilchallenged by disparate internal and external forces ity to drive park-related issues and programs to that could have adverse implications for our future. completion by asking the right questions and We need to keep Elâ&#x20AC;&#x2122;s expebuilding consensus across rience, judgment, dedicadiverse groups. When she tion and leadership on sets her mind to somethe City Council to help protect and guide us in the thing, like she did when she proposed improved years ahead. Richard M. Ferry sidewalks for 72nd Avenue S.E., she is focused and efficient at meeting her objectives. I urge you to vote for longtime resident Debbie Bertlin, an intelligent woman who will In all elections, first have a practical and baland foremost, we need anced approach at making to consider a candidateâ&#x20AC;&#x2122;s the right decisions for the character. I can attest to diversity of needs across Debbie Bertlinâ&#x20AC;&#x2122;s character, Mercer Island. integrity and commitment

Have your say

sonal. This occurred again in the 1990s, when a sitting Council member in the Bellevue/Issaquah area (R) was attacked by a former R, who switched to a D in his re-election campaign. Now in 2011 in the County Council race, a â&#x20AC;&#x153;newcomerâ&#x20AC;? candidate attacked both opponents via mailings, robo-calls and ads. It was, and is now, just wrong! In my opinion, this campaign is one of the most negative I have seen in all of my 45 years in Washington state. So why then would you give up your vote to a candidate who follows the â&#x20AC;&#x153;attack axiomâ&#x20AC;?? Recommendation: Support Jane Hague, who has a

Susan Mattison

Support Jane Hague this fall Consider an axiom in politics: Effective campaigns are run on a record, vision and a plan to address issues and votersâ&#x20AC;&#x2122; concerns. Alternatively, if you have little good to say, the axiom in politics is, â&#x20AC;&#x153;attack the opponent â&#x20AC;&#x201D; raise doubts.â&#x20AC;? Facts: In 1980 in the King County Council race for Bellevue, Mercer Island, et al., a sitting appointed Council member (D) was attacked from the extreme right political action group â&#x20AC;&#x201D; much of it purely per-

proven record and reaches across party lines to get results! Robert Thorpe

Bank fees One need not go to New York or Westlake to make a statement about consumer attitudes toward banks. Nor need one be a youth. As a senior citizen who went on Friday, Sept. 30, to Bellevue to get the check for a CD of mine which matured that day, I was told Umpqua wanted $8 for giving me the check for my money! My picket sign would say â&#x20AC;&#x2DC;Avoid Umpqua!â&#x20AC;&#x2122; Myra Lupton

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PAGE 10 | WEDNESDAY, OCTOBER 19, 2011

MERCER ISLAND REPORTER | www.mi-reporter.com

Water polo fourth at Oregon tournament By Carol Gullstad

dispatched Westview, Reynolds and Beaverton in short order before falling to six-time Oregon state champion Newberg. This left the young Mercer Island team with a 3-1 record in pool play and a chance to compete for one of the top finishes in the tournament. They continued on in seeded tournament play by beating Westview soundly for a second time, earning their way into the semifinals. While the Islanders were sunk by Southridge in the semis, Southridge was the eventual tournament winner. The Islanders ended the tournament in 4th place. The team played the final game of the regular season on Monday against Bellevue.

Special to the Reporter

Megan Managan/Staff Photo

Margaret Seaton propels herself through the water during the 100-yard butterfly race on Thursday afternoon at Mary Wayte Pool against Interlake.

Mercer Island beats Interlake Team stays unbeaten this season, prepares for postseason By Megan Managan mmanagan@mi-reporter.com

Last Thursday, for the second time in a week, the Mercer Island girls swim team picked up a conference win. Tuesday, the team beat Bellevue, and on Thursday the Islanders hosted Interlake, winning 124-59. Against the Saints, Mercer Island won nine of the 12 events. In the 200-medley relay,

“The Homeguy”

the Islanders took first in 1:57.46 with Caitlin Cox, Danielle Deiparine, Margaret Seaton and Christina Williamson swimming. The group of Madeline Larkin, Leah Fisk, Mily Koksu and Andrea Hatsukami took second for the Islanders in 1:57.87. Both teams earned state 3A qualifying times. In the 200 freestyle event, Masami Cookson won at 2:05.47, a district qualifying time, while Kristin Hoffman was second at 2:06.74. Senior Vee Vee Wang took first in the 200 individual medley race with a 2:21.21 time, to qualify for districts. She was followed by Cox with a 2:22.80 time. Interlake earned its first individual win of the meet in the 50-yard freestyle race, with CC Hagen taking first with a 26.02 time,

while Christina Williamson was second at 26.32. In the diving competition, Olivia Cero took first place with 143.35 points, while two Interlake divers were second and third. Interlake won the 100 butterfly race, with Bridgid Mackey’s time of 1:01.87, with Cookson finishing second at 1:0.31. In the 100 freestyle race Larkin took the top spot with a district qualifying time of 58.99, while Cox took second at 59.07. Islander teammate Kiersten Picardo was third at 1:03.98. In the 500 freestyle race, Deiparine had a state qualification time with a finish of 5:18.71, while Fisk was second with a district time of 5:35.32. The Islanders won the 200 freestyle relay with Williamson, Emily Olsen, Hatsukami and Deiparine

nd ilab a a ts lo av ch ow a n Be ing c an

Jack Alhadeff

swimming in 1:46.44, to qualify for state. Interlake took second in 1:47.96. In the 100 backstroke event, Kira Godfred won with a 1:02.96 time, qualifying for state, while Heather Chan took second at 1:04.91. Interlake’s Anna Kimura was first in the breaststroke race, finishing the 100-yard swim in 1:12.36, while Natalie Marques was second in 1:14.05. In the final event of the afternoon, the 400 freestyle relay, Mercer Island took first in 3:52.19 with the team of Williamson, Deiparine, Olsen and Cox qualifying for state. The team of Hastukami, Cookson, Wang and Larkin finished in second at 3:56.74. The Islanders have one more league meet before

It was fitting that the location of this weekend’s Tualatin Hills Invitational water polo tournament was just a few miles down the road from Nike world headquarters in Beaverton, Ore. It seemed that the Islanders had adopted a team mantra of ‘Just Do It’ as they entered the water for their first game. The Islanders drove south expecting to be competitive in spite of their rough 0-7 league start. They knew that more time in the pool together was eventually going to pay off, and finally on Friday night it all came together. The Islanders competed well, winning the first three games in a row. They

Ron Rudokas/Contributed Photo

Mercer Island’s Sam Peterson takes the ball during the Islanders’ trip south to Oregon for the Tualatin Hills Invitational tournament.

PHOTO REPRINTS

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Photographs are available for purchase from the Mercer Island Reporter’s online galleries at

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SWIM | PAGE 12

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Wednesday, October 19, 2011 | Page 11

Sports briefs Islanders head to USTA junior nationals Several Mercer Island tennis players will be competing in the USTAâ&#x20AC;&#x2122;s 14 under junior national tennis competition. Held Oct. 20-23 in Arizona, members of the Robinswood USTA 14U sectional champions will be playing. From Mercer Island, Cameron Coe, Stuart Toda and Melanie Lee will be playing in the tournament, along with their teammates from around the Eastside. The team is coached by Jason Chapman and Freddy Walsh.

Contributed Photo

The Robinswood 14U USTA tennis team recently won the sectional championship and will travel to Arizona later this month to compete in the junior national competition.

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Islander qualifies for Olympic trials marathon race Mercer Island resident Susan Empey earned a spot at the U.S. Olympic trials next January after earning a qualifying marathon time. Empey finished the 2011 Twin Cities Marathon in 2:45.27 to qualify for the trials a second time. Runners who finish under a certain mark are automatically qualified for the trials race. The 2012 trial cutoff time was 2:46:00. Empeyâ&#x20AC;&#x2122;s time allowed her to finish 90 overall out of 8,540 runners, with a 6:19 minute per mile time. The 2012 Olympic trials will be held in January 2012 in Houston, Texas, to see which three men and women earn spots on the U.S. Olympic team headed to London for the Summer Games.

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Page 12 | Wednesday, October 19, 2011

SWIM | FROM 10 the postseason begins. The Islanders will take on Sammamish on Oct. 18. On

Friday, Oct. 21, the team will participate in an invitational at the University of Washington pool, followed by the KingCo tournament on Oct. 28-29.

MERCER ISLAND REPORTER | www.mi-reporter.com

Islanders earn big win over Liberty By Megan Managan mmanagan@mi-reporter.com

Megan Managan/Staff Photo

Marlo Cafarelli swims her final lap in the 200-yard freestyle race on Thursday, Oct. 13, during the Islanders’ meet against Interlake.

BY THE NUMBERS

Mercer Island – Michelle Day (Laura Harrison) 13:00, Michelle Day (Kieran Dornay) 76:00.

Girls soccer

Tennis

Tuesday, Oct. 11 Mercer Island 4, Juanita 1 Mercer Island – Michelle Day 2 goals (assisted once by Emily Lightfoot), Emily Lightfoot 1 goal (assisted by Celina Solomon), Katie Martin 1 goal (unassisted). Juanita – Karissa Radke (assisted by Danika Bethune). Thursday, Oct. 13 Interlake 4, Mercer Island 2 Interlake – Annika Granfors (Emma Bergstrom) 21:00, Emma Bergstrom (Isabel Farrell) 33:00, Annika Granfors (Isabel Farrell) 47:00, Emma Bergstrom (un) 80:00.

Wednesday, Oct. 12 Mercer Island 6, Bellevue 1 Singles – Zack Kosanke (Bellevue) beat Jordan Smith 1-6, 6-3, 6-3; Henry Smith beat Dion Sugafi 6-0, 6-0; Brian Hou beat Will Hwang 6-1, 6-0; Josh Hartmann beat Elton Lon 6-7, 6-1, 6-2. Doubles – Kyle Baska-Marcus Almqvist beat Henry Barkhudarihan-Alex Zhu 3-6, 6-3, 6-3; Jeremy Chow-Spencer Dillon beat Sarr Wen-Chris Graham 6-0, 6-3. Friday, Oct. 14 Mercer Island 7, Newport 0 Singles – Jordan Smith beat Ryan

Moving convincingly into the No. 2 spot in the KingCo conference, Mercer Island beat Liberty on Friday evening with a 32-10 final score. Liberty earned the first points of the night off a 32-yard field goal in the first quarter for a 3-0 lead. The Islanders earned a key interception in the second

Chung 6-3, 6-1; Henry Smith beat Chris Lilley 6-2, 5-7, 6-1; Brian Hou beat Dylan Harlow 6-2, 6-4; Josh Hartmann beat Kelvin Yuchen 6-4, 6-3. Doubles – Ben Elliot-Zack Elliot beat Alec Tsutsumoto-Andrew Choi 6-3, 5-7, 6-4, Kyle Baska-Marcus Almqvist beat Matt Allen-Sham Kim 7-5, 4-6, 6-4; Jeremy Chow-Spencer Dillon beat Jonathan Newman-David An 6-3, 6-2.

Volleyball Wednesday, Oct. 12 Mercer Island def. Bellevue 3-1 (2522, 22-25,25-16, 25-14) Mercer Island –Lorial Yeadon 9 kills, Rachel Bowdle 15 digs, Sara Lindquist 9 kills, 6 aces, Carly Wilson 22 assists, Robby Blood 8 kills.

quarter by Cameron Ogard to put the ball on the 38-yard line. With 5:35 left in the second, Phil Frazier broke to the end zone off a 46-yard pass from Jeff Lindquist to make it a 7-3 game. The team followed the performance with an 11-yard Lindquist pass to Brent Tsang with 13 seconds left in the half to put Mercer Island up 14-3 over Liberty. Back in action after halftime, Mercer Island started with the ball, which they quickly turned into points on the board when Nicky Sinclair made a 52-yard run to score with 11:10 on the clock. After the two-point run failed, the Islanders had a 20-3 lead. Three minutes later after getting the ball back, Mercer

Island ground through the yards to get back into scoring position, this time with Lindquist connecting with Connor Bernal on a 22-yard pass for a 26-3 lead. After forcing Liberty back on plays thanks to strong defense, the Islanders got the ball back, but were forced kick a 24-yard field goal. The score was 29-3 at the end of the third quarter. In the fourth quarter, kicker Alex Wood ended a stellar evening with a 51-yard field goal, his fourth kick for points during the game. Liberty scored on a 68-yard touchdown pass with 5:53 left on the clock, ending the game with a 32-10 final score. During the game the Islanders had a total of 492

yards, while holding Liberty to 338 yards of offense. Ogard had two interceptions during the game, with a 30 yard return on one of the two. Lindquist threw for 274 of the team’s yards, while Brian Higgins added 27 yards in passing. Parker Scott had seven tackles for the team, while Zack Buckling had one sack, as did Alex Himstead, Joshua Skelly and Sam Porter. Next Friday the Islanders will host Sammamish for homecoming. The homecoming parade will begin downtown at 4:30 p.m., followed by the senior night festivities at 6:50 p.m. It’s also All Island Band Night, featuring middle school and elementary band members playing at halftime.

Boys water polo

Team scores –Mercer Island 27, Liberty 39, Mount Si 70. Individuals – 1. Katia Matora 19:30, 4. Mikayla Davis 20:22, 5.Alida Scalzo 20:28, 8. Laura Brindley 20:54, 9. Linden Elggren 21:06, 10. Lauren Knebel 21:15, 16. Mary Wingerson 22:13, 18. Sydney Zeldes 22:30, 19. Rhiannon Holmes 22:48, 22. Adrienne Suhm 23:10, 23. Sarah Bjarnason 23:20.

Leah Fisk 2:06.81; 200 individual medley - 2. Alex Seidel 2:17.67, 3. Kira Godfred 2:20.23, 4. Angela Riggins 2:22.57; 50 freestyle - 2. Andrea Hatsukami 26.81, 4. Kristin Hoffman 28.02; Diving - 1. Meg Lindsay 196.60, 2. Olivia Cero 108.80; 100 butterfly - 2. Emily Olsen 1:01.90, 3. Danielle Deiparine 1:02.54; 100 freestyle - 1. Christina Williamson 58.94, 2. Caitlin Cox 58.34; 500 freestyle - 1. Grace Wold 5:09.77, 3. Angela Riggins 5:30.41; 200 freestyle relay - 1. Mercer Island (Christina Williamson, Madeleine Chandless, Andrea Hatsukami, Grace Wold) 1:46.67; 100 backstroke - 1. Kira Godfred 1:04.24, 3. Danielle Deiparine 1:04.54; 100 breast stroke - 2. Vee Vee Wang 1:12.68, 3. Natalie Marques 1:15.05; 400 freestyle relay - 2. Mercer Island (Danielle Deiparine, Kira Godfred, Grace Wold, Alex Seidel) 3:49.28.

Wednesday, Oct. 12 Roosevelt 14, Mercer Island 7 Mercer Island –T. Lacrampe 2 goals, Q. Guyer 2 goals, C Merritt 2 goals, A Ralph 1 goal.

Cross Country Wednesday, Oct. 12 Mercer Island boys @ Mount Si Team scores –Liberty 37, Mount Si 40, Mercer Island 47. Individuals – 3. Brett Bottomley 17:49, 7. Joey Chiang 17:55, 8. Austin Scarff 18:01, 10. Daniel Mayer 18:07, 19. Thomas Brown 19:01, 20. Nathan Gallatin 19:04, 21. Nathan Cummings 19:08, 24. Alex Masher 19:23. Mercer Island girls @ Mount Si

Girls swimming Tuesday, Oct. 11 Team scores – Mercer Island 116, Bellevue 64. Individuals – 200 medley relay - 1. Mercer Island (Alex Seidel, Danielle Deiparine, Grace Wold, Christina Williamson) 1:53.91; 200 freestyle - 2. Cailtin Cox 2:05, 28, 3. Madeline Larkin 2:06.01, 4.

Films at Aljoya – Fall 2011

Beyond Greenway Friday, Oct. 21st, 7:30 PM Synopsis: Beyond Greenway unveils a realistic side of American wealth largely hidden from view. Consider joining us to dine at Lilly’s restaurant at Aljoya before the show!

Simply call (206) 230-0150 to make your reservation.

Meet the Director! Sue Gilbert will show her film with a Q & A session to follow. Sponsored By:

Where senior living is full of JOY. 2430 76th Avenue SE Mercer Island, WA 98040 aljoya.com 536225

planning

FOR THE FUTURE

Estate Planning Wealth Management Business Continuity Making Retirement Work

Page 14 | Wednesday, October 19, 2011

FINANCIAL EDITION

Pop Quiz:

TEST YOUR FINANCIAL SAVVY Procrastination is one of the main ways the average Joe and Jane get in trouble with their finances. Break the bad habit â&#x20AC;&#x201C; starting now! Answer these basic questions and see how you rate.

QUESTION

According to actuarial charts, how many years can you expect to live?

AT WHAT AGE IS A WORKER BORN BETWEEN 1942 AND 1954 ELIGIBLE FOR FULL SOCIAL SECURITY BENEFITS? a. 62 b. 64

c. 66 d. 68

QUESTION

QUESTION 4

What percent of a retireeâ&#x20AC;&#x2122;s income will be spent on healthcare, on average? a. 5 percent b. 10 percent c. 25 percent d. 20 percent

Income taxes go away after a worker retires. True or false?

QUESTION

How many years, on average, will a U.S. citizen spend in retirement? a. 10 b. 15 c. 20 d. 25

What percent of early baby boomers, age 56-62, are expected to run out of money to cover basic retirement living expenses? a. 17 percent b. 23 percent c. 42 percent d. 47 percent

535874

QUESTION 7 Registered Investment Advisor. Licensed Representatives Offer Securities Through KMS Financial Services Inc. Member FINRA & SIPC.

True or false?

If you die without a will, your surviving spouse will be granted all or most of your assets.

Minimize Taxes Owed and Maximize What You Leave to Your Loved Ones

QUESTION

Insurance is a way of: a. SAVING FOR A RAINY DAY b. PREVENTING UNPLANNED EVENTS

QUESTION

Your credit score is: a. a snapshot of your credit risk b. an objective measurement used by lenders c. available to you on request d. all of the above

)* * '# %%!% !) % !$'&(* %* # $ %* & %. +)!% )) &-% (0) &, ( ## 1% % ! # '# % * +) / +% ()* % .&+( # . !%* %* / * !#&( % )* * '# % *& $ * .&+( & #) % / %)+( .&+( '# % !) )*(+ *+( *& ' ( &($ &( !% *& .&+( -!) )

HOW DO YOU RATE?

&( +(* ( !% &($ *!&% &( *& ) +# &%)+#* *!&% '# ) &%* * & % +% &( (!% !' # ( (! * * (. &# &$ % -" ) % * . + # *& ( ( #)& * .&+( ) (,!

9 CORRECT: Closeâ&#x20AC;Śbut we are not playing horseshoes!

8 OR LESS CORRECT: 534327

Count on the estate tax professionals at Berntson Porter

10 CORRECT: Warren Buffet is your new best friend!

Itâ&#x20AC;&#x2122;s time to do some homework!

c. HANDLING RISK d. ALL OF THE ABOVE

a. b. c. d.

You can improve your credit rating by: correcting inaccurate information as soon as possible disputing negative information correction on the worst report asking that negative information not be included in your credit report

Answers 1. The U.S. Social Security Administration estimates that a man reaching age 65 today can expect to live, on average, until age 83. A woman turning age 65 today can expect to live until age 85. To calculate your expected lifespan, go to: http://www.ssa.gov/planners/lifeexpectancy.htm 2. C: 66 years old. 3. D: 20 percent. 4. False. Pretax money a worker contributed to a retirement plan is subject to income taxes when itâ&#x20AC;&#x2122;s withdrawn during retirement years. 5. S: 20 years. 6. D: 47 percent. 7. False. Every U.S. state has unique laws governing who will own the property. To calculate the outcome in your state, go to www.mystatewill.com. 8. C: Handling risk. 9. D: All of the above. 10. A: Correcting inaccurate information as soon as possible. CTW Features

FINANCIAL EDITION

SHOW ME THE EXIT

INSURANCE FOR BEGINNERS

Planning to sell your business and financially retire? Hereâ&#x20AC;&#x2122;s the Bullet Point Approach By Bill Pearsall

T DOESNâ&#x20AC;&#x2122;T MATTER if every penny is pinched. A calamity can arrive unannounced and wipe out any familyâ&#x20AC;&#x2122;s financial security. The only way to ensure protection is to start paying attention to the invisible risks that could lie ahead.

he publisher said, â&#x20AC;&#x153;Tell us everything you know about planning to sell but tell it in less than 500 words and donâ&#x20AC;&#x2122;t use a lot of syllables.â&#x20AC;? After the first 1,000 words I decided, Bullet Points are the answer. Not all the answers but some thought starters.

Itâ&#x20AC;&#x2122;s not easy, though, to get a focus on the insurance protection a family really needs â&#x20AC;&#x201C; and can afford.

Years, Dollars or Business Goals? Define your objectives. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;ll sell when Iâ&#x20AC;&#x2122;m 60 or when I have enough bread to retire or when Iâ&#x20AC;&#x2122;m number one in the state.â&#x20AC;? Then ask yourself, â&#x20AC;&#x153;If I had the dollars now, would I care about the years or the business goals?â&#x20AC;?

t "TL ZPVSTFMG

LIFE INSURANCE Even the financially unsophisticated have heard about life insurance, an insurance policy that pays a sum to a spouse, or provides for children or other dependents should one suddenly pass away. In fact, thatâ&#x20AC;&#x2122;s the central reason to buy life insurance: to replace the income dependents would need.

Visit the Social Security website at www.ssa.gov/disability to learn more about disability programs.

LONG-TERM CARE INSURANCE

â&#x20AC;&#x153;Termâ&#x20AC;? life policies are the least expensive, which is why itâ&#x20AC;&#x2122;s often the choice of young adults who have responsibilities, such as kids and a mortgage, but not a lot of extra cash. The premiums for term life insurance only pay out should you die during the specified period.

In our aging society, nearly everyone knows someone who needs years of nursing care, which can quickly put a drain on life savings. Fortunately, as long-term care needs become more prevalent, insurers are offering more way to insure against the cost.

â&#x20AC;&#x153;Permanentâ&#x20AC;? life insurance pegs a portion of each premium payment as savings, which the insured can borrow against â&#x20AC;&#x201C; or in some instances, withdraw from â&#x20AC;&#x201C; to pay for certain expenses.

The cost of long-term care plan varies, depending on the amount of coverage and whether home, assisted-living and nursing care are included.

Permanent insurance comes in two main types: Whole and universal. Premiums for whole life policies tend to stay level, while premiums for universal policies allow you to elect to pay certain minimums, with a lesser investment build-up over time.

BLENDING HEALTH INSURANCE AND SAVINGS

DISABILITY INCOME INSURANCE Death is certain. But none of us know whether an accident or serious illness will prevent us from working for a prolonged period. According to the Insurance Information Institute, 43 percent of workers between ages 40 and 65 will suffer a disability that causes an earnings disruption of at least 90 days. The Social Security system has a disability benefit program and many lower income workers depend on this.

Paying for health insurance and saving are two of the biggest financial challenges families face. If you purchase a high-deductible health insurance plan â&#x20AC;&#x201C; either on your own or through your employer â&#x20AC;&#x201C; you may qualify for a health savings accounts, paying less for premiums and building savings. Briefly, because deductibles are high â&#x20AC;&#x201C; for 2010 and 2011 itâ&#x20AC;&#x2122;s at least $2,400 for families â&#x20AC;&#x201C; monthly premiums are lower. An employee can contribute to a tax-advantaged savings account and tap it to pay the deductible when needed or keep on saving, perhaps for retirement health expenses. CTW Features

t ,OPXMFEHF JT QPXFS Donâ&#x20AC;&#x2122;t guess. Find out if you can meet your dollar objectives or need more time and more effort. Learn what your business is worth and take the valuation along with your personal balance sheet to an unbiased â&#x20AC;&#x153;Fee Basedâ&#x20AC;? financial planner. The planner will include your Real Estate, insurance policies, Social Security issues and the cash in your sock drawer and not try to sell you anything. Donâ&#x20AC;&#x2122;t guess. Research your position in the market place and in your industry. Bring your CPA into the loop early to advise you on Buy/Sell tax issues.

Update job descriptions, policy & procedure and employee manuals.

t *ODSFBTF ZPVS WBMVF The valuation you bought in the second bullet point should have some good indications of areas for improvement. Reduce the dependency on you and your largest customers and suppliers. Work on diversifying and work on eliminating yourself. Make yourself a Semi-Absentee Owner. Retire in place. Implement some of the growth plans from your â&#x20AC;&#x153;Buyerâ&#x20AC;&#x2122;s eyesâ&#x20AC;? list. Donâ&#x20AC;&#x2122;t defer purchases. Make business decisions like you were keeping it forever.

t 1SPUFDU ZPVSTFMG What are you personally guaranteeing? The building lease? The supplier accounts? Service agreements? Vehicle or equipment leases? Your AP clerkâ&#x20AC;&#x2122;s apartment? Longterm warrantees? Step up and pay a few hundred dollars to have these and other risks assessed by your business attorney. If you donâ&#x20AC;&#x2122;t have a Biz Attorney then get one. A few hundred here can save you thousands.

Tip: Look at your business through a Buyerâ&#x20AC;&#x2122;s eyes.

t -PPL BU ZPVS CVTJOFTT UISPVHI B #VZFS T FZFT Business Buyers are very different from Business starters. Entrepreneurs start businesses and re-entrepreneurs buy and grow to the next level and beyond. So look at your business through the eyes of a Buyer. Make a list of what you would do to grow the company if you were stepping in with another ten or fifteen years on your clock.

t $MFBO JU VQ XSJUF JU EPXO Identify the warts. Clean up and organize your financial records and State & Fed Tax Returns. Update employee records, customer & supplier files. Get rid of obsolete equipment and inventory. Sweep up.

t 4FMMJOH *OTJEF PS 0VUTJEF After completing all of the above. Start thinking about potential Buyers. Look inside first. If you have a family member or employee with the desire and skill-set to take over then consider using an Intermediary as a neutral party to manage the succession including arranging financing. Keep the transaction at armâ&#x20AC;&#x2122;s length. Self-marketing a business to outside Buyers is not for the faint of heart. A properly prepared business will draw well over a hundred inquiries and less than ten will be qualified. Make sure that you have achieved â&#x20AC;&#x2DC;retired in placeâ&#x20AC;&#x2122; status so you will have the time to work on the Buy/Sell process. Get referrals from your CPA and Biz Attorney and interview a few Business Brokers.

William E. Pearsall, P.S. is a Business Broker and affiliated with Harvest Business Services in Bellevue. Billâ&#x20AC;&#x2122;s firm focuses on exit and retirement planning for small business owners with sales revenue from under $1 million to over $10 million. Pearsall can be reached at bill@billpearsall.com or 425-865-9802. 'BY t XXX ICTBEWPDBUFT DPN

534319

Genuine financial security often includes a few safety nets. Hereâ&#x20AC;&#x2122;s an intro to insurance options to get on the road to feeling secure.

Wednesday, October 19, 2011 | Page 15

Page 16 | Wednesday, October 19, 2011

MERCER ISLAND REPORTER | www.mi-reporter.com

DISTINCTION FEATURED PROPERTIES

Normandy Park

$5,750,000

Storied, landmark property of grand scale, iconic stature. Over 180’ of Puget Sound shoreline. Spectacular custom finishes. Media room, wine cellar, games venue, billiards parlor. Larry Williams 425-445-9870 www.johnlscott.com/39991

Lake Sammamish Revival $2,750,000 NEW PRICE! Stunning architecture. Luxuriously casual. National award winner. 110’ level waterfront. 5040sf 4BR/5BA. All the waterfront essentials. Sandy beach, pool, boat and seaplane lifts. Boat launch. Larry Williams 425-445-9870 www.johnlscott.com/18586

North End OPEN SUN 1-4

$2,300,000

2228 78th SE- 2004 Street of Dreams builder Johnson Design Homes. 6,200sqft 5BD luxury throughout! Minutes to I-90. Only the best. Craig Hagstrom 206-669-2267 www.johnlscott.com/69002

NEW ON MARKET

$1,080,000

This architecturally true designed Cape Cod home was custom built for its current owners. Spaces and places for everything and everyone. Situated at the foot of a private lane insures privacy and tranquility! 5 bdrms, 3.5 baths, den, family room, rec rm & bonus. Lge patio, level back yd. Lou & Lori 206-948-2591 wwwjohnlscott.com/52126

The Villa on Forest

$5,250,000

Grand MI Waterfront

$4,685,000

The centerpiece of Mercer Island’s Forest Avenue, the premiere waterfront on the island’s West side. Spectacular finish level. Exacting standards. A focus on longevity. Design balances entertainment, casual living, the waterfront lifestyle.

4644 E Mercer Way - Spectacular 1.7 acre waterfront estate. Gentle sylvan road to clearing, gracious daylight rambler with views from nearly every room. Street to water. Level lawn of breathtaking scale to water.

Larry Williams 425-445-9870 www.johnlscott.com/94794

Larry Williams 425-445-9870 www.johnlscott.com/15888

W-Side New Construction $2,600,000 OPEN SUN 1-4 8038 SE 45th St- Aspen Homes presents the magnificent home on the Westside of MI w/ lake views. 5BD/4.5BA and 3 fireplaces! Betty DeLaurenti 206-230-5109 www.johnlscott.com/15047

First Hill Contemporary $1,925,000 2227 71SE 4BR 5BA 3-car garage, 3614 sqft of perfection. Minutes to SEA/B’vue, LID Park. Custom BLT 2007. Like NEW. Craig Hagstrom 206-669-2267 www.johnlscott.com/73140

WESTSIDE WATERFRONT

$2,490,000

100ft WFT LOT 22,010 sqft Fabulous Views – A Real Entertaining Home & Property – 3+BD Lower Level Bonus Rm Kitchenette & Dance Fl. Betty DeLaurenti 206-232-8600 www.johnlscott.com/49048

Island Point 4 BR OPEN SUN 1-4

$1,749,000

8460 SE 83 - 4BR 4BA 3841sqft, Walk to L’Ridge, Ims. Major Addition/Update in 2003. A “Like New” Contemporary Home. Cul-DeSac. Craig Hagstrom 206-669-2267 www.johnlscott.com/75782

Westside View Lot

$750,000

One home off the lake with Southwest exposure, over 23,000sqft of land, the perfect building site. 8-10 minutes to I-90. Craig Hagstrom 206-669-2267 www.johnlscott.com/88849

Kirkland View OPEN SUN 1-4

$599,000

12434 68th NE- Protected West view, lake & Olympics. 1900 + sqft rambler, 2BR 2BA 2FP huge deck, hot tub, AC, Holmes Point neighborhood. Craig Hagstrom 206-669-2267 www.johnlscott.com/88915

Waterfront Best Buy $3,695,000

Waterfront Farm House $3,285,000

A must see for serious waterfront buyers! Fabulous north end location and sited on street to water property with 100 ft front footage, this 5910 sq ft home was tastefully and completely rebuilt in 2004 and is packed with quality thru out. 4 bedrooms, family room, office, den, rec rm, tasting room wine cellar, hot tub, dock, and much more. Lou & Lori 206-948-2591 www.johnlscott.com/23221

Waterfront property w/67’ of level low bank footage located in the much sought after E. Seattle 60 Ave. neighborhood. Remodeled 1939 farmhouse 6BD/4.5BA. Shy 1/2 Acre w/ possible subdivide.

Deep Water Moorage

Waterfront Low Bank

$2,450,000

9651 SE 61st PL- Low bank year ‘round moorage. 3 bedroom 3,680sqft on 21,000+ land lots of updates, 4-car garage, lots of light. Walls of windows. Craig Hagstrom 206-669-2267 www.johnlscott.com/64382

Redmond Estate

$1,345,000

3400 260th Ave NE- Redmond 5BD/4.5BA over 5000sqft, is both elegant & comfortable. Located on an estate sized level 1.5 acre lot in the desirable Broadhurst neighborhood. Grand formal entertaining areas combined with a gourmet kitchen & family room accented by walls of windows.

Lou Glatz 206-948-2591 Lori Holden 206-949-5674 www.johnlscott.com/32662

$2,388,000

4602 E Mercer Way- 100’ dock w/ Jet Ski Lift & Covered Boat Lift. 4BD/4BA 3,762 sq ft home w/air conditioning. 34,041 sq ft lot. Separate guest quarters w/private entry, full bath & its own deck. New Hardwood floors on main floor. Stunning view of Mt. Rainier. Debbie Constantine 206-853-5262 www.johnlscott.com/dconstantine/97614

Award Winner Plus Waterfront

$1,198,888

NW Contemporary w/lake and mt views/Plus shared waterfront w/moorage one lot away! Lots of parking too. Cindy Verschueren 206-909-4523 www.johnlscott/31199

Jimmy Pliego 206-240-7160 www.johnlscott.com/87907

HUGE LOT low price! Choice S-End

$580,000

7844 SE 72nd- Solid 4BD/2.75BA tri-level w/partial lake & city view. Huge lot Western exposure. Adjoining lot for sale too. Cindy Verschueren 206-909-4523 www.johnlscott.com/76160

Great New Price Mercer Island Home

$569,800

Good size one-story very clean and private home convenient to schools, shopping, freeway access and parks. Large fully fenced backyard and attached deep 2-car garage. New furnace in 2007. Dieter Kaetel 206-427-0863 www.johnlscott.com/21768

MERCER ISLAND REPORTER | www.mi-reporter.com

Wednesday, October 19, 2011 | Page 17

CONTACT OUR OFFICE TO INQUIRE ABOUT OUR ON & OFF ISLAND HOME RENTALS 206-232-8600 | 7853 SE 27th Suite 180, Mercer Island | www.JohnLScott.com/MercerIsland

$565,000

Great Building Opportunity $550,000

9320 SE 36th. 3BR 3 BA. 2-Car garage, 2333sf, 1996, Hdwd, gas fp, covered deck, separate entry to home office exercise room.

4899 Forest Ave SE, New Custom Plans and permit included! Over an acre in a prestigious neighborhood. Owner financing. Call Jean for terms & plans.

N-end Townhouse

Craig Hagstrom 206-669-2267 www.johnlscott.com/20713

South End Lot w/View

Jean Locke 206-898-7899 www.johnlscott.com/20568

Reduced Mercer Island Home

$539,800

Daylight Rambler $499,000 in Bellevue OPEN SUN 1-4

3615 93RD AVE SE Mercer Island, WA 98040 Luxurious 2100sqâ&#x20AC;&#x2122; remodeled 3 bedroom 3.5 bath Northwest Contemporary PUD with $500 Homeowners Dues annually!

4349 - 92nd Ave SE- Cozy one-level 3 Bedroom /1.5 Baths Rambler with Family Room, Dining room. In a quiet and private location but yet close to Library and High School. Large fenced yard and patio to enjoy Spring and Summer BBQs. Dieter Kaetel 206-427-0863 www.johnlscott.com/96879

4126 161st AVE SE- Rare 5 BEDROOMS, 2.75 baths. Picture perfect gardenerâ&#x20AC;&#x2122;s paradise! Award winning schools and a fabulous kitchen. Close to Starbucks, schools, and shopping!

Affordable Quality Home $445,000

Sahalee Golf Club Community

Jimmy Pliego 206-240-7160 www.johnlscott.com/90874

$499,000

New Listing, East Seattle $459,950

7843 SE 71st- Lovely South end lot with partial lake & city view. Close to schools, shopping, Starbucks, and country club.

2719 63rd Ave SE. Great starter or investment property located in the charming neighborhood of East Seattle. Walk to waterfront parks and downtown Mercer Island. Quiet tree-lined street. Lovely rambler with family room off the kitchen and separate living and dining room. Two fireplaces, 3 bedrooms, 1.75 baths. For a private tour call Lou or Lori 206-949-5674.

Cindy Verschueren www.johnlscott.com/37936

Luxurious Remodeled $549,950 Home/PUD OPEN SUNDAY 1-4

Kirkland Home

$459,000

Prime location, updated 2-story Traditional at the end of a quiet cul-de-sac. Convenient to Microsoft & Boeing, plus close to schools, parks & bus stop. Kitchen has new SS appliances with hardwoods opening up to a spacious family room with fireplace. Slider off family room steps out to tranquil, level back yard with new Trex decking - perfect for summer BBQâ&#x20AC;&#x2122;s. Karla Souza 425-213-7070 www.johnlscott.com/95588

4550 Island Crest Way. Great opportunity to afford your own home. Contemporary 3 bedroom/2bath secluded behind a laurel hedge on a level lot. Debbie Constantine 206-853-5262 www.johnlscott.com/50859

Jason Cook 206-280-1911 www.johnlscott.com/47585

$439,000

Very open and spacious floor plan, large and light-filled living room and dining area, ideal for entertaining. The sizeable master bedroom on main floor. The unfinished basement room could be a 3rd bedroom, play or hobby room. Petra Walker 206-230-5138 www.johnlscott.com/25917

DISTINCTION

MI Vacant land w/Partial Lake Views

$398,000

Great location. Lot conveniently located in W Mercer Way. Mostly level with brushes, no tree to deal with. Large 15,780 sf lot. Seller spent $50K in improvements for storm drainage, water/sewage connection and land survey. Next to bike paths, schools, easy access to Island Crest way & freeway exits. Millie Su 206-799-0628 www.johnlscott.com/68694

Dâ&#x20AC;&#x2122;Ann Jackson

Wildridge Park OPEN SUN 1-4

$278,000

3401 161st PL SE #62 Townhome, Park Like Setting Mstr on main, High ceilings in Liv & Din Rm; Lg multi-purpose loft rm. Ready to move in! Frank Ceteznik 206-979-8400 www.johnlscott.com/ 50436

Frank Ceteznik

Debbie Constantine

Tim Conway

Jason E. Cook

Betty DeLaurenti

Daphne Donovan

Terry Donovan

Shawn Elings

Craig Hagstrom

Helen Hitchcock

Lori Holden

Dieter Kaetel

Jean Locke

Doug McKiernan

Dick Pangallo

Andrea Pirzio-Biroli

Millie Su

Tony Vedrich

Cindy Verschueren

Petra Walker

Branch Manager

Lou Glatz

Jeff Potts

Tony Salvata

Larry Williams

Anni Zilz

527851

Jimmy Pliego

Page 18 | Wednesday, October 19, 2011

FINANCIAL EDITION

An Estate Plan…

A LIVING WILL A living will or advance medical directive spells out wishes regarding life support or medical intervention and care. For someone in a coma who does not want to be kept alive on life support, a living will spells that out. A health care proxy names a person to carry out those wishes. A lawyer can create this document. Keep signed, witnessed copies at home; give signed copy to those entrusted to make decisions.

Who, Me?

You don’t need to live in a fancy house in a gated community to have an estate. Establishing a solid financial plan, with documents that govern what you own and bequeath, is key to moving ahead in life with confidence and security.

EOPLE TEND TO delay or avoid estate planning as though drafting a will might somehow hasten their demise. But thought of another way, estate planning actually prolongs one’s presence among the living. An estate plan allows for calling shots from the grave. The value of property at the time of its owner’s death is an estate. Estate planning begins by taking inventory of someone’s assets, including investments, retirement saving, insurance policies, real estate and business interests, and then deciding to who these assets should go. Individuals also must decide who should handle financial and medical affairs if they are incapacitated and ask if they’ll serve as financial and health care power of attorney, respectively. It’s smart to work with a qualified lawyer to create the legal documents that govern the process of protecting the estate and passing along assets as planned. Take time to get educated on the basics before choosing a professional and sitting down to work on a plan.

A WILL The centerpiece of a comprehensive estate plan is a will. The reason a will is important, regardless of net worth is so assets go to the right people, says Alexandra Armstrong, certificated financial planner with the Washington, D.C. based investment advisory firm Armstrong, Fleming & Moore. Die without one, and in most cases each state applies its standard formula to decide who gets what, without regard to wisher or the needs of heirs.

A LETTER OF INSTRUCTION A letter of instruction to survivors includes bequests not specified in the will, including sentimentally valuable possessions like Grandma’s china and the oil painting over the mantel. Here’s where to communicate to family members the type of memorial service wanted, including ‘in lieu of flowers’ specifications and wishes to be cremated or buried.

Because of strict privacy rules that govern doctors and hospitals set for the by the Health Insurance Portability and Accountability Act. A HIPAA waiver also should be considered. This lets people name individuals with whom health care providers can discuss conditions and care. Unlike a power of attorney, folks named in the waiver are not entitled to make medical decisions on someone else’s behalf.

POWER OF ATTORNEY A durable power of attorney names a person to act on an individual’s behalf in financial matters: investing money, signing checks, selling real estate. Keep a signed copy handy and give on to the person designated.

A TRUST In some cases, individuals decide to create a trust, which puts conditions on how and when assets will be distributed. Trusts are designed to achieve different goals. Often, they allow the wealthiest among us to reduce estate taxes. They

can also be used to hold money for underage children; provide care for disabled children; or equalize inheritances. A financial adviser can help determine whether it makes sense to set up a trust. Keep in mind that retirement accounts such as IRA and 401k plans, have designated beneficiaries apart from what it says in someone’s will. So it’s important to review and amend these accounts periodically - along with a will, pensions plans and life insurance policies – especially if marital status changes. A rainy day fund of three to six months’ expenses is also a key component of an estate plan. Settling an estate doesn’t happen overnight and meanwhile a surviving spouse needs something to live on, a cash reserve to carry them through. A final and crucial step in estate planning is assembling pertinent documents and making sure a survivor is aware of and has access to them. You’d be surprised by the number of life insurance policies that are issued but never paid because the survivors don’t even know they exist. Keep original documents in a bank safe deposit box and a set of copies at home. It’s important to designate a signatory who is authorized to unlock the box in the event we die; otherwise, a court order must be obtained.

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FINANCIAL EDITION

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he first alternative is to have a number of ways they can make establish a charitable lead their contribution to charity. They can trust (CLT). A CLT is a trust give assets outright â&#x20AC;&#x201C; directly to the arrangement where the in- charity â&#x20AC;&#x201C; or they can establish several come for a specified number of years types of trusts (including the CLT as is paid to charity. After the specified described above). The life insurance number of years has elapsed, the trust part is a bit trickier. The goal is to distributes to their children. The char- have the proceeds from the life insurity gets the lead interest (the income) ance not included in the estate of eiand the children receive the assets ther Mary or John. To avoid inclusion after a certain length of time. If the in their estates they must have no inCLT is established while the Smiths cidence of ownership. In order to accomplish this goal, the are alive, there is a gift. But the value Smiths will need to esof the gift, for gift tablish an Irrevocable But what is clear tax purposes, is Life Insurance Trust is that the Smiths determined by sub(ILIT). The ILIT will tracting the value purchase the life incan make their of the charitable surance and make the charitable donations interest from the premium payments. fair market value of The money for the preand still provide for the property used mium payments will their children, their to establish the ultimately come from childrenâ&#x20AC;&#x2122;s children CLT. By adjusting John and Mary. This the charitable paycash contribution is a and so on. out and the length taxable gift. However, of time the trust is by giving the benefiin existence, the value of the gift, for ciaries the right to withdraw the cash gift tax purposes, can be reduced to a contribution, the contribution will be minimal amount. If the Smiths were a gift of a present interest and qualify more interested in providing for their for the annual exclusion. When John grandchildren, the terms of the CLT and Mary die the proceeds from their could specify the assets go to their life insurance will pass according to grandchildren. Or the Smiths could the terms of the trust document; in mix the distribution of assets between this case to their children. their children and grandchildren. These two alternatives provide a The second alternative is to give as- rudimentary description of what is sets to charity and cover the value of available for the Smiths. There are nuthose assets with life insurance. The merous variations on the theme. But objective is to have the dollar value of what is clear is that the Smiths can the assets given to charity be replaced make their charitable donations and with the dollar value of the life insur- still provide for their children, their ance. Using this technique, the Smiths childrenâ&#x20AC;&#x2122;s children and so on.

Gary Holcomb is an estate tax expert at Berntson Porter & Company, PLLC in Bellevue, WA. He can be reached at 425-289-7636 or gholcomb@bpcpa.com.

FINANCIAL EDITION

â&#x20AC;&#x153;Making Retirement Work in An Up or Down Marketâ&#x20AC;Śâ&#x20AC;?

the inflation rate after youâ&#x20AC;&#x2122;ve taken out what you need for retirement income, in order to provide future incomes that keep up with the ever increasing cost of living.

Principle #2 - Taxes are Likely Your Biggest Retirement Risk

Letâ&#x20AC;&#x2122;s begin our discussion looking at the 3 basic investment questions folks near retirement typically ask. 1) Do I have enough money to last as long as I do? 2) Are my investments appropriate for retirement? 3) How do I take money out of my accounts to provide an ample income? Since everyoneâ&#x20AC;&#x2122;s situation is different I canâ&#x20AC;&#x2122;t give specific investment advice here, but there are four important principles that we can apply in answering those questions.

Principle #1 - You Canâ&#x20AC;&#x2122;t Invest Just for Income Advisors talk about two phases of investing; accumulation while working and distribution during retire-

BY RAY EADS

ment. At retirement, the goal and strategies change from growth to income. Today people are likely to live much longer than they anticipate. Forget whatever the life expectancy number is; instead look at the IRS chart for mandatory distributions from an IRA. It says that for a 70 year old couple, one of them is likely to be taking IRA withdrawals at age 97. Thatâ&#x20AC;&#x2122;s a 30 year retirement and 20 years past life expectancy. Even with a modest inflation rate, the cost of living could more than double during retirement. So, your portfolio needs to have a growth component. Your investment goal should be a portfolio that is growing by at least

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Principle #3 â&#x20AC;&#x201C; Lifestyle Choices Make an Impact Too often we look just at the money side and ignore the really important question of, â&#x20AC;&#x153;What do I want my life

Principle #4 - Leaving a Legacy/ Inheritance Changes Everything If itâ&#x20AC;&#x2122;s not important to you, follow the advice from the bumper sticker that says, â&#x20AC;&#x153;Spend your kidâ&#x20AC;&#x2122;s inheritance.â&#x20AC;? If it is important to you, you need to plan accordingly. Some people make provisions in their wills while others make gifts during their lifetime. Itâ&#x20AC;&#x2122;s just something that you need to think about because if could affect your retirement income.

Itâ&#x20AC;&#x2122;s always about planning.

Ray Eads is an Accredited Investment Fiduciary with Wealth Management Northwest, Inc., in Lynnwood. He can be reached at (425) 672-1003 or ray @wealth-nw.com. Securities offered through KMS Financial Services, Inc. member FINRA & SIPC

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Many retirees are going to forfeit 2030% of their investment returns every year to the IRS. That loss, however, can be reduced with proper planning. People should consider things like spending principle. Itâ&#x20AC;&#x2122;s tax free. An immediate annuity, for example, provides a consistent and guaranteed income that is nearly income tax free, by distributing both principle and interest over the life of the policy. Also consider spending already taxed investment like a CD and delaying as long as possible taking income from tax-deferred accounts like an IRA or deferred annuity. Spend taxable accounts first and let tax-deferred accounts grow. Remember, youâ&#x20AC;&#x2122;ll need growth to provide that larger income later. Iâ&#x20AC;&#x2122;ve seen people who take money out of their IRAs and let bank accounts accumulate which means they are unnecessarily paying taxes on both and are consequently pushed into a higher tax bracket.

in retirement to look like?â&#x20AC;? Itâ&#x20AC;&#x2122;s only after you have a clear picture of what you want retirement to look like that you can figure out what itâ&#x20AC;&#x2122;s going to cost and consequently how to structure your investment portfolio. Also, look at your retirement budget and decide which expenses are mandatory, like the utility bill, and which are discretionary, like a Hawaiian cruise. Discretionary expenses can usually be put off until a year that your investments perform particularly well.

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FINANCIAL EDITION

Wednesday, October 19, 2011 | Page 21

Business Continuity: How Do You Move? Where To Start? r 8IBU BSF QSPQFSUJFT XPSUI r 8IBU EP WBSJPVT MJWJOH BSSBOHFNFOUT DPTU r 8IFSF EP * Ă U JO BOE GFFM DPNGPSUBCMF r 8IBU TIPVME * LFFQ r 8IBU UP TFMM BOE XIBU UP HJWF BXBZ r )PX MPOH JT UIJT HPJOH UP UBLF r )PX BN * HPJOH UP HFU UIJT EPOF :PV CPVHIU UIF GBNJMZ IPNF FOUFSUBJOFE EFDPSBUFE DSFBUFE NFNPSJFT BOE TUVGGFE JU XJUI USFBTVSFT #VU UIF GBNJMZ JT HSPXO OPX ZPV BSF FOUFSUBJOFE NPSF UIBO ZPV FOUFSUBJO UIF EĂ&#x160;DPS JT HFUUJOH EBUFE BOE ZPV BSF UJSFE PG EVTUJOH ZPVS USFBTVSFT 4PVOE GBNJMJBS As real estate agents, we deal with this situation repeatedly. *O UIF CFTU PG DJSDVNTUBODFT BHJOH IPNF PXOFST IBWF UBMLFE UISPVHI UIFJS PQUJPOT UIFZ NBZ IBWF FWFO DPOTVMUFE B Ă OBODJBM QMBOOFS UIFJS FTUBUF QBQFST BSF JO PSEFS UIFZ LOPX XIBU UIFZ XBOU UP EP BOE XIFO XF HFU UIF DBMM UP TFMM UIF GBNJMZ IPNF XF BSF KVTU BOPUIFS TFSWJDF QSPWJEFS IFMQJOH UP FYFDVUF B XFMM UIPVHIU PVU QMBO *O UIF XPSTU PG DJSDVNTUBODFT OPOF PG UIF BCPWF IBT CFFO EPOF UIF PQUJPOT IBWF OFWFS CFFO EFĂ OFE OP EJTDVTTJPO IBT UBLFO QMBDF UIFSF IBT CFFO B MJGF BMUFSJOH FWFOU BOE OPX ZPV OFFE IFMQ UP HFU FWFSZUIJOH EPOF 0GUFO TFOJPST JO UIJT TJUVBUJPO NBZ IBWF UP SFMZ PO UIF EFDJTJPOT PG UIFJS HSPXO DIJMESFO *U JT BO VOTFUUMJOH UIPVHIU UIBU JT WFSZ EJTUVSCJOH UP BHJOH TFOJPST BOE FRVBMMZ EJTSVQUJWF GPS HSPXO DIJMESFO UIBU IBWF ZFU UP Ă OJTI SBJTJOH UIFJS PXO GBNJMJFT We cannot stress enough the benefits of handling this on your own, on ZPVS UFSNT VTJOH QFPQMF ZPV LOPX MJLF BOE USVTU *U JT OPU BO FBTZ UBTL BOE XF BMM LOPX DIBOHF JT IBSE CVU JU JT B SFXBSEJOH QSPKFDU BOE B OBUVSBM QBSU PG GVMĂ MMJOH UIBU OFYU QPSUJPO PG B MJGF MJWFE XFMM *U UBLFT UIF GFBS PVU PG OPU LOPXJOH XIFSF ZPV XJMM CF PS IPX ZPV XJMM MJWF *U IFMQT EFĂ OF IPX ZPV XJMM JOUFSBDU XJUI DPNNVOJUZ XIPN ZPV XJMM IBWF BDDFTT UP BT XFMM BT XIP XJMM IBWF BDDFTT UP ZPV *U DBO FWFO EFUFSNJOF IPX ZPV HFU BSPVOE JO ZPVS OFX FOWJSPONFOU BGUFS ZPV FJUIFS DBOOPU ESJWF PS OP MPOHFS XBOU UP CF CPUIFSFE XJUI ESJWJOH Do not wait for these decisions to be placed upon you. 5BLF UIJT VQ BT B QSPKFDU PG JOWFTUNFOU JO ZPVS PXO MJGF 8F QFSTPOBMMZ CFMJFWF UIJT EFDJTJPO NBLJOH QSPDFTT FWFO QSPMPOHT MJGF BOE FOIBODFT ZPVS RVBMJUZ PG MJWJOH :PVS BEVMU DIJMESFO XJMM VOEPVCUFEMZ CF QMFBTFE *G UIFZ BSF OPU QMFBTFE UIFZ DBO BMXBZT NBLF DIBOHFT HSBOUFE UP UIFN JO ZPVS FTUBUF QMBOOJOH GPS XIFO ZPV OP MPOHFS IBWF DBQBDJUZ UP QSPWJEF ZPVS PXO EJSFDUJPO ,JU BOE 'SBOL ,MFJO BSF 3FBMUPSTÂŠ XJUI UIF SFBM FTUBUF Ă SN PG $PMEXFMM #BOLFS #BJO JO #FMMFWVF 5IFZ IBWF NPSF UIBO DPNCJOFE ZFBST PG TFSWJDF SFMPDBUJOH IPNF PXOFST BOE IBWF NPWFE NBOZ TFOJPST 5P UBQ UIF LOPXMFEHF BOE FYQFSJFODF PG ,JU BOE 'SBOL GPS ZPVSTFMG DBMM FNBJM PS UFYU " GSFF CSPDIVSF PG SFMBUFE TFSWJDF QSPWJEFST JT QSPWJEFE XJUI FWFSZ FYQMPSBUPSZ DPOTVMUBUJPO /P SFGFSSBM GFFT BSF PGGFSFE PS BDDFQUFE CZ SFMBUFE TFSWJDFT 8F IBWF QFSTPOBM FYQFSJFODF XJUI BMM TFSWJDFT QSPWJEFE :PVS DJSDVNTUBODFT BOE QFSTPOBM JOGPSNBUJPO JT DPOĂ EFOUJBM BOE QSJWJMFHFE *U XJMM CF USFBUFE BOE IBSCPSFE XJUI SFTQFDU

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Making Sure Your Business Continues If You Do Not Business continuity planning is a means of handling a variety of transfer events and consequences that impact the business and the remaining, or new, owner(s) when you, the original owner dies. It is about preserving and protecting the business and your legacy. Succession is the most obvious problem facing a company but it is only one of four vital issues. BY ALLAN VANDERHAMM

CONTINUITY OF BUSINESS OWNERSHIP This is the critical issue in a solelyowned company. In fact, there is no continuity unless you take steps to create a future owner or ownership group. For multi-owner companies, continuity of ownership is not an issue when signed owner transfer agreements are in place and funded with life insurance. To ensure continuity, create and implement a written plan to allow the business to continue after you are gone. Do everything you can to prevent key employees from leaving because they are indispensable to the businessâ&#x20AC;&#x2122;s continued existence. If you are a multiowner company, be sure there is an up-to-date, adequately funded buy/sell agreement for the remaining owners to acquire your interest in the business.

COMPANYâ&#x20AC;&#x2122;S LOSS OF FINANCIAL RESOURCES If you are a principal source of funding for your multi-owner company, your unexpected absence can put enormous pressure on the business to perform or face the risk of third parties refusing to lend or make guarantees on behalf of the company. For a sole owner, the business may not survive despite a plan. An ownerâ&#x20AC;&#x2122;s sudden death or incapacity can cause other stakeholders such as banks, bonding companies, and leasing companies to discontinue their relationships. These challenges can best be met in two ways. First, use life insurance to fund for the anticipated need. Second, start now to develop successor management. Motivate them with current and deferred cash and/or ownership should something happen to you. The only way to make the business continue without you is to make the business be more than just you.

LOSS OF KEY TALENT â&#x20AC;&#x201C; YOU Your talents, experience, relationships with customers, employees and vendors may be quite difficult to replace. Without planning, few businesses have the finances or successor management to weather this storm. To overcome this risk you must create value now, within the company and distinct from you, capable of filling the void left by your unexpected departure. In a co-owned business the loss of an owner is not as drastic, provided your co-owner(s) can carry on without you. If not, train employees now to perform the same, or parts of the same, roles as you.

LOSS OF EMPLOYEES AND CUSTOMERS A common consequence of an ownerâ&#x20AC;&#x2122;s unexpected departure is the speedy emigration of employees and customers. When the workforce leaves, contracts cannot be completed and are breached, work is unperformed and creditors call in their paper. Only preplanning provides a chance to preempt these scenarios. Employees must know that a plan exists that guarantees their compensation and clearly names your successor. With these assurances, most employees and customers will stay with the company.

CONCLUSION In order to survive your demise, your company must have adequate cash, which is almost always subsidized by insurance on your life, to survive. In the short run, money is required to effect a buy-out, provide capitalization, replace your balance sheet with respect to lenders, and provide cash incentives to entice your employees to stay. In the long run, a successful business is one you can either sell for top dollar and exit in style, or one that can survive, in style, your exit.

Allan VanderHamm is a Principal at Berntson Porter & Company, CPAs and Consultants, in Bellevue, WA. He is a specially trained expert in owner exit planning, business transactions and business valuation. Please contact Allan VanderHamm, CPA/ ABV, CVA, CM&AA, CExP at 425-289-7613 or avanderhamm@bpcpa.com for a confidential, complimentary discussion.

Page 22 | Wednesday, October 19, 2011

FINANCIAL EDITION

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WEDNESDAY, OCTOBER 19, 2011 | PAGE 23

MERCER ISLAND REPORTER | www.mi-reporter.com

Mercer Island masterpiece enters the real estate market By Linda Ball lball@mi-reporter.com

The home at 3051 84th Ave. S.E. on Mercer Island is not just a home. It is an artistically and historically significant home, said Barb Korducki of Coldwell Banker, who will be representing the home along with her colleague, Kathy Beckes. The home, owned by Myer and Barbara Coval, took 16 years to build — it was started in 1986, with the Covals living in the home once they could, and being involved every step of the way. This is not a mansion. It’s better. It is indeed a work of fine craftsmanship, art and a labor of love. The principal builder, David Eck, said the Covals “were intimately involved from start to finish.” Not only is the home eye-popping, but so are the grounds, five acres of meticulously cared for organic orchards of rare

fruit trees, chestnut trees, ponds and a botanical garden developed by Barb Coval, a master gardener. Korducki and Beckes said the property was originally homesteaded by David Alexander between 1904 and 1915. In addition to Eck, there were 11 different craftsman who worked on the house, using exotic woods from all over the world. Entering the home is a treat to the senses. It was important to Myer, a retired research scientist, to use the best materials that could be found. “He loves the process of discovering something,” Eck said. The couple wanted room for their kids to play; they are well traveled, and Myer always loved woodworking. These are some of their motivations to build this unique home. The living room has soar-

ing ceilings made from bubinga, a rare African wood. A large stone fireplace passes through to an intimate library with solid bubinga walls and built-in bookcases. Off of the library is a home office featuring more built-ins. All of the drawers in the house are dovetailed, and the joints are all tongue and groove. There are no nails or screws anywhere. The kitchen is constructed of guanacaste wood, with eastern bird’s-eye accents. The sub-zero refrigerator and pantry door are totally disguised in the continuous flow of exotic wood. All of the hardware is cast brass marquis locksets with bronze patina. The showpiece of the home, however, is the pool room. The trusses, a style called Japanese Shinkuza, are made from solid bubinga and use no nails. “This size of bubinga is

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The swimming pool of the Coval home is a masterpiece, with a granite waterfall, tropical fruit trees and its own humidifying system. This shot is from a workout area above the waterfall. extremely rare,” Korducki said. “This is a blend of Japanese and Northwest architecture — it took 10 men and one-and-one-half years to build the roof system.” Looking at the roof of the pool room from the outside, it’s solid copper, as is the roof over a small “tree house” sitting room over the master

bedroom. The swimming pool, lined with sparkling blue tile, has a waterfall cascading over granite stone. Myer invented his own humidifying system so the moisture level remains constant and perfect. Trees grow in the pool room, with Barb’s “potting area” just adjacent. Banana trees flourish along with citrus trees.

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“This room is a great solution to getting a lot of capabilities into a limited area,” Myer said. The large wet bar in the pool room is stunning. The wall behind the bar is 3/4inch solid copper all the way to the ceiling, with copper handmade pulls, a two-inch

HOUSE | PAGE 23

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MERCER ISLAND REPORTER | www.mi-reporter.com

HOUSE | FROM 23

Contributed Photo

The living room of the Coval home has a vaulted ceiling made from bubinga, a rare African wood. Note the coffee table, with a pedestal also handmade by the builder. At rear left you can see part of the library, with solid bubinga walls and bookcases. The fireplace can be enjoyed from both sides. The showers for the swimming pool area are surrounded by five one-ton granite stones. A nearby sauna has a built-in shower and an Alaskan yellow cedar surround.

Contributed Photo

The swimming pool is a masterpiece, with a granite waterfall, tropical fruit trees and its own humidifying system.

Contributed Photo

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SUNDAY, OCTOBER 23, 2011 7:45am Breakfast in Community Life Center 8:15am Worship Service in Community Life Center

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Sunday Worship & Kids' Church 10:00am Fellowship & Bible Study 11:00am www.RedeemerLutheranMI.org

FALL CLEARANCE!

9:15am Christian Education 10:35am Worship in Sanctuary 5:00pm Worship in Sanctuary

NURSERY AVAILABLE

Top of the Hill on Island Crest Way (206) 232-5595 | MIPC.org

St. Monica

Catholic Church 4301 - 88th Ave S.E., M.I.

232-2900 Sunday Vigil: Saturday, 5:00 pm Sunday: 8:00 am, 9:30 am, Noon

www.stmonica.cc

HOLY TRINITY LUTHERAN CHURCH ELCA

Welcome to Worship! SUNDAY SCHEDULE 8:00 AM Worship â&#x20AC;&#x201C; (Chapel) 9:00 AM â&#x20AC;&#x201C; Education Hour 10:00 AM Worship â&#x20AC;&#x201C; (Sanctuary) Childcare provided for all services

Deanna Wildermuth, Senior Pastor

8501 SE 40th â&#x20AC;&#x201C; Mercer Island 206.232.3270 www.htlcmi.org

â&#x20AC;˘

425-455-3228 |11810 NE 8th St. Suite A, Bellevue, WA 98005

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Why Be Jewish? Are you or someone you know interested in learning more about Judaism? Then plan to join us for this three evening mini-course, as we explore what is distinctive about Judaism and the Jewish people. We will take a whirlwind tour of the key moments in Jewish history, and the core ideas and practices of Judaism.

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530650

6001 Island Crest Way 232-1711

Women & Children Fine Consignment

531434

Redeemer

Lutheran Church

Accepting Fall Apparel, Shoes & Handbags

530168

9170 SE 64th St., Mercer Island

thick granite bar, bubinga cabinets with ebony banding and two copper sinks. The changing/shower area for the pool is just plain fabulous fun, with a granite pedestal sink, and five one-ton granite surround stones for the shower enclosure. The sauna is lined with Alaskan yellow cedar and has a built-in shower. The water closet has a motion detector to engage the exhaust fan. Best of all, the pool is fed by a well, so itâ&#x20AC;&#x2122;s a chlorine-free system. It also has five swim jets, and a filtration sand system. Even the laundry room is amazing, with eastern ash cabinetry, and a sewing machine that rises to the countertop at the touch of a remote control. As far as infrastructure goes, it too is amazing. The home has in-floor hydronic heating, heated by a 1,000,000 BTU gas boiler. An underground stainless steel building houses a 10-15 vault hospital generator. The property has three wells, but is also on city water. The driveway is made from pavers salvaged from the forests of Indonesia. This is a special house indeed. Korducki and Beckes are looking for a buyer who will keep it that way. Myer, who bought the property originally in 1981, said the last few winters have not been to his liking, and that they will move wherever his wife wants to go. For more information, contact Beckes at (206) 618-2586 or Korducki at (206) 9994415.

MERCER ISLAND REPORTER | www.mi-reporter.com

Reporter wins 8 journalism awards

Wednesday, October 19, 2011 | Page 25

EYE ON MI | 50TH ANNIVERSARY

By Reporter Staff

The Mercer Island Reporter staff won eight awards in the 2011 Washington Better Newspaper Contest. The statewide contest received 2,523 entries from 78 community newspapers. Chad Coleman was named Photographer of the Year for the second consecutive year. He placed first in the General News Photo category for a photo of the Blue Angels over Lake Washington, and third in Color Sports Photo (Action) for Island boys basketball holding on to the No. 2 spot in KingCo. Megan Managan won first place for the best sports news story with “State HS playoff format is costly.” Linda Ball placed second in News of the Weird for a story about a human skull found at an Island estate sale. Rebecca Mar placed third in Best Personality Profile (Short) for a story about a cat, Nile, who retrieved mail and brought neighbors together. Melanie Morgan won third place for a Spookfest ad in Promotion of Newspaper: Single House Ad, and second place with Mary L. Grady for the best special section cover. Staff was awarded second place in special sections for “Mercer Island Living: Home Works.”

0\ 'DGÖV 2IßFH ZDV WKH 6N\ Jim and Mary Hinchcliffe, of Mercer Island, celebrated their 50th wedding anniversary on Friday, Oct. 14. They were married in 1961 in Blue Earth, Minnesota, and moved to Mercer Island in the late 1970s. Mr. Hinchcliffe retired in 1990 from Sea Land container shipping company and has been a member of the Salvation Army board of directors. The couple plays tennis a few times a week at the Mercer Island Country Club. They have two children, Teri Herda (John), of Bellingham, and Tracy Finch (Craig), of Issaquah; and four grandchildren, Daniel, Lizzy, Katie and Jack. Got a photo you’d like to share with the Island in our “Eye on MI” feature? Email your image with a caption about where and when it was taken to editor@mi-reporter.com.

Entertaining Holiday

His crew called him the airplane cowboy, probably because he wore that hat all the time. His job was to keep the plane steady while the camera crew took their shots. They’d photograph roads, mountains and clouds for map makers, archeologists and film directors - anyone who needed a picture of something from way up there. Times have changed, but Dad still loves adventure. The problem is he shouldn’t be driving. Sometimes he gets confused and lost just walking around the neighborhood. The early signs of memory loss can be difficult to understand and more difficult to admit. If you have concerns, visit Áegis Living with your parent. We are the trusted senior living provider, specializing in memory care and assisted living. Our communities in the Puget Sound area provide the finest care given by the most committed staff. Please read our heartfelt stories about the residents who live at Áegis at www.aegistestimonials.com. Come in for a tour. We’ll help you understand what memory loss is and how your parent can thrive and enjoy life at Áegis.

Don’t let the calendar fool you, the holidays will be here before you know it. Coming November 16, we’ll publish great ideas to personalize a holiday party in our 2011 Holiday Entertaining Edition. We’ll give readers invitation ideas and recipes; we’ll talk about dressing the table and how to give simple gifts that won’t send guests away empty-handed. Readers will enjoy, use and keep this edition during this great time of year. Deadline to advertise: Friday, November 11

Please join us on Tuesday, October 25th @ 6:30pm-8:00pm for "What to do when those with Memory Loss Don't Want Help" with Former Seattle Times Columnist Liz Taylor First ten to RSVP will receive a complimentary signed copy of Liz Taylor's new book; Aging Parents Starting The Conversation. RSVP to 425-298-3979

Áegis of Bellevue 148 102nd Ave SE Bellevue, WA 98004

(425) 298-3979 206.232.1215

AegisofBellevue.com 535504

CALENDAR

CALENDAR SUBMISSIONS: The Mercer Island Reporter welcomes calendar items for nonprofit groups and community events. Please e-mail your Island event notices to rmar@mi-reporter. com. Items should be submitted by noon on the Thursday the week before publication is desired. Items are included on a space-available basis.

PAGE 26 | WEDNESDAY, OCTOBER 19, 2011

WEDNESDAY | 19 FRIGHTFUL ART: 7-8:30 p.m., Oct. 19, Mercer Island Library, 4400 88th Ave. S.E. For ages 12 and older. Susan Olds presents an array of â&#x20AC;&#x153;frightful artâ&#x20AC;? from as far back as the 14th century. Contact: Vicki Heck, (206) 236-3537. www. kcls.org/mercerisland.

THURSDAY | 20 MIVAL GALLERY ART SHOW AND RECEPTION: 5:30-8 p.m., Oct.

20, MIVAL Art Gallery, 2836 78th Ave. S.E. Featured artists through Nov. 13: June Lindsey (pottery), Pia Messina (paintings). Contact: Nannette Bassett, (206) 2328148, nannettebas@gmail. com. www.mival.org. MERCER ISLAND RADIO OPERATORS MEETING: 7 p.m.,

Oct. 20, Mercer Island Fire Station, 3030 78th Ave. S.E. Learn about amateur radio communications and emergency preparedness. www. mirohams.org.

FRIDAY | 21 MEET THE FILM MAKER: 7:30-9 p.m., Oct. 21, Aljoya House, 2430 76th Ave. S.E. Sponsor:

MERCER ISLAND REPORTER | www.mi-reporter.com

MI Arts Council. Sue Gilbert of â&#x20AC;&#x153;Beyond Greenawayâ&#x20AC;? will show her documentary. Q&A to follow. Admission: free, open to the public. Refreshments served. www. beyondgreenaway.com.

p.m., Oct. 23, Mercer Island Library, 4400 88th Ave. S.E. The Seattle Worldâ&#x20AC;&#x2122;s Fair 50th anniversary bookâ&#x20AC;&#x2122;s release is Oct. 21. Submit your Seattle Worldâ&#x20AC;&#x2122;s Fair remembrances at www.thenextfifty.org/stories.

SATURDAY | 22

MONDAY | 24

FALL RECYCLING EVENT: 9 a.m.-3 p.m., Oct. 22, Mercer Island Boat Launch, 3600 East Mercer Way. Safely dispose of old equipment and household items. Drop off material before or after the city recycling event to avoid long lines. Note: drop-off location and conditions may change. A list of acceptable and unacceptable items is available at www.mercergov.org.

SENIORS GETTING THERE SAFELY DEFENSIVE DRIVING: 9 a.m.-4

SUNDAY | 23 â&#x20AC;&#x153;ONCE UPON A HALLOWEENâ&#x20AC;?: 11 a.m.-1 p.m., Oct. 23, Island Crest Park, 5500 Island Crest Way. Daylight trick-or-treat event by Youth Theatre Northwest. Each tour will be met by a cast of woodland characters. For ages 3 and up. Admission: $15. www.mercerislandhauntedforest.com.

p.m., Oct. 24, Community and Event Center, 8236 S.E. 24th Street. Fee: $18 (resident), $21 (nonresident). (206) 275-7609, www.myparksandrecreation. com.

TUESDAY | 25 SAT VS. ACT WORKSHOP: 7 p.m., Oct. 25, Mercer Island Library, 4400 88th Ave. S.E. Are your skills better suited to the SAT or the ACT? Do colleges prefer one test over the other? Learn about both tests. Registration required. For teens. Speaker: Mary Juliano, who has contributed to several test prep publications, including â&#x20AC;&#x153;Cracking the New SAT.â&#x20AC;? www.kcls.org/ mercerisland. FRENCH CONVERSATION EVENING:

7-9 p.m., Oct. 25. Host: Mercer Island Sister City Association. Everyone is welcome, from beginners to native speakers. Evening is informal. For location and information, contact: Monica Howell, 232-2983, or Beth Brennen, 232-7650. ENGAGING ISRAEL PROJECT: A Shalom Hartman Institute Lecture & Study Series, 7:159:15 p.m., Tuesdays, Oct. 25-Jan. 10, Stroum Jewish Community Center, 3801 East Mercer Way. Led by Rabbi Jay Rosenbaum, of Herzl-Ner Tamid Conservative Congregation. Cost: $150 per person or $275 per couple; includes materials. www.sjcc. org.

SEATTLE WORLDâ&#x20AC;&#x2122;S FAIR 50TH ANNIVERSARY PRESENTATION: 1

Think. Act. Lead. Innovate.

SATURDAY | 29 PRESCRIPTION DRUGS TAKEBACK: 10 a.m.-2 p.m., Oct.

Rebecca Mar/Staff Photo

Anja Morgan Hutto, 2, swings at Deaneâ&#x20AC;&#x2122;s Childrenâ&#x20AC;&#x2122;s Park with grandmother Marilyn Grayâ&#x20AC;&#x2122;s help on Monday, Oct. 17. 29, Mercer Island City Hall, 9611 S.E. 36th Street. Part of the National Prescription Drug Take-Back Day. The city encourages Islanders to bring their expired, unused and unwanted prescription medications for disposal. The service is free and anonymous. The CTC will provide free medication lock boxes. www.justice.gov/dea. SATURDAY MATINEE: â&#x20AC;&#x153;Citizen Kaneâ&#x20AC;? (Orson Welles, 1941), 1 p.m., Oct. 29, Mercer Island Library, 4400 88th Ave. S.E. Part of the â&#x20AC;&#x153;Mercer Island Public Library Film Series on Newspapers and Other Media,â&#x20AC;? with Lance Rhoades, Mercer Island Movie Matinee Series program director.

SUNDAY | 30 â&#x20AC;&#x153;ONCE UPON A HALLOWEENâ&#x20AC;?: 11

a.m.-2 p.m., Oct. 30, Youth Theatre Northwest, 8805 S.E. 40th Street. Daylight trick-ortreat event. Each tour will be met by a cast of woodland characters. For ages 3 and up. Admission: $15. www.mercerislandhauntedforest.com. â&#x20AC;&#x153;HOW GEORGE GERSHWIN BECAME

Come visit us at an Open House: Saturday, November 5, 10 amâ&#x20AC;&#x201C;Noon Tuesday, December 6, 7â&#x20AC;&#x201C;9 pm Thursday, January 5, 7â&#x20AC;&#x201C;9 pm Self Storage & Truck Rentals

EVENTS | ONGOING â&#x20AC;&#x153;QUARANTINEâ&#x20AC;? - MERCER ISLANDâ&#x20AC;&#x2122;S HAUNTED FOREST: 7-10 p.m.,

Oct. 14-31, Island Crest Park, 5500 Island Crest Way. Youth Theatre Northwest 40-minute guided performance and tour through park trails. Guests are encouraged to wear suitable shoes. For ages 9 and up. Admission: $15. www.mercerislandhauntedforest.com. CONGREGATION SHEVET ACHIM JEWISH HIGH HOLIDAY SERVICES:

through Oct. 21. All services are held at Northwest Yeshiva High School, 5017 90th Ave. S.E. No tickets required. www.shevetachim.com. MERCER ISLAND GIRLS LACROSSE MIDDLE SCHOOL FALL BALL:

5-6:30 p.m., Fridays, through Oct. 28, Islander Middle School, 8225 S.E. 72nd Street. Grades 5-8. Contact: Kara Brodman, miglaxms@gmail.

com. www.migirlslacrosse. com.

UPCOMING PROBUS CLUB OF MERCER ISLAND MEETING: 10:30 a.m., Nov. 2,

Mercer Island Presbyterian Church, 3605 84th Ave. S.E. Speaker: Douglas Hainline, Ph.D. Topic: the advent of socialism in the UK and Europe. The public is welcome. Bob Simonds: (206) 236-2190. BEGINNING BALLROOM:

7:40-8:40 p.m., Nov. 2-30, Community and Event Center, 8236 S.E. 24th Street. This is a program to teach students the basics of a variety of ballroom dances. Students will focus on lead and follow roles, timing and basic patterns. Fee: $54 (resident), $64 (nonresident). FRENCH FILM: â&#x20AC;&#x153;The Gleaners & I,â&#x20AC;? 7:30 p.m., Nov. 4, Aljoya House, 2430 76th Ave. S.E. Co-hosts: Mercer Island Sister City Association, Mercer Island Arts Council. Features introduction and post commentary by Lance Rhodes, UW instructor of cinema studies. Complimentary hors dâ&#x20AC;&#x2122;oeuvres will be served. Free. 232-5413.

-08 $045 t 0/& $"-- t 0/& #*-Call today to buy a Region or the Entire State!

528849

206-232-1215 527930

Serving Grades 5â&#x20AC;&#x201C;12 For more information, please contact us at: 425-822-5668 or www.eastsideprep.org

AN AMERICAN COMPOSERâ&#x20AC;?: SJCC Lecture Series, 2 p.m., Oct. 30, Stroum Jewish Community Center, 3801 East Mercer Way. Speaker: Larry Starr, UW Music History Professor. Admission: $10. JCC members/seniors: $5. Register online at www.sjcc.org.

* Office Hours: 9AM-6PM Gate Hours: 5AM-11PM

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MERCER ISLAND REPORTER | www.mi-reporter.com

Wednesday, October 19, 2011 | Page 29

Susan G. KomenÂŽfunds

breast cancer research to find the cure

Developing a simple, non-invasive test that can detect breast cancer at an early stage.

magine a blood test that could determine if you have breast cancer. Currently, mammograms are the best way of detecting breast cancer early. Dr. Sam Hanash, a researcher at the Fred Hutchinson Cancer Research Center, hopes to develop a noninvasive blood test that would be a companion test to mammograms but more accurate in detecting breast cancer at an early stage when it is most curable. His project is funded by Susan G. KomenÂŽ, a major force in driving the breast cancer agenda for research. â&#x20AC;&#x153;Komenâ&#x20AC;&#x2122;s funding enables us to move the discovery process forward and demonstrate and validate findings much more quickly. This research is expensive and rigorous, but the result would be a tremendous breakthrough and would bring us closer to 100 percent accuracy in detecting breast cancer through a

simple blood test that could be done at any clinic or doctorâ&#x20AC;&#x2122;s office,â&#x20AC;? said Dr. Hanash. Twenty-five percent of every net dollar donated to the Puget Sound Affiliate of Susan G. KomenÂŽ goes to cutting-edge research; the other 75 percent stays local to fund mammogram screenings, breast health education, outreach and treatment support for underserved women in 16 counties throughout Western Washington.

FIVE WAYS TO TAKE

ACTION

1. Get screened. 2. Be an advocate for womenâ&#x20AC;&#x2122;s health. 3. Volunteer your time.

4. Take charge of your health. 5. Donate to the Puget Sound Affiliate of Susan G. Komen

Learn more at komenpugetsound.org

Celebrate Breast Cancer Awareness Month

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Proud supporter of Susan G. Komen Breast Cancer Awareness

Eastside Professional Center 1810 116th Ave NE, Suite 101 Bellevue, WA 98004

Phone (425) 974-1044 Fax (425) 974-1033 E-mail info@bbic.com

Page 30 | Wednesday, October 19, 2011

MERCER ISLAND REPORTER | www.mi-reporter.com

Wednesday, October 19, 2011 | Page 31

COLDWELL BANKER BAIN MERCER ISLAND OFFICE | 7808 SE 28th Street #128, Mercer Island | To see every home that is for sale in Western Washington go to cbbain.com

VACANT LAND Hoquiam lot

$30,000 North Bend land

Lot in 55+ age development, all utilities in and convenient to shopping. Huge price reduction. Multiple lots available at this price #194812 Betty Carleton 425-444-3507 Michael Schoonover 425-442-0477

Mirrormont lot

Valley $75,000 Rainier Price reduced! Great

Reduced, just under an acre lot in Mirrormont. Neighboring homes have views of Poo Poo point takeoff area. Relax on your deck & watch the show. #206333 Betty Carleton 425-444-3507 Michael Schoonover 425-442-0477

Mirrormont lot

$75,000

Reduced, just under an acre lot in Mirrormont. Neighboring homes have view of Poo Poo point for para gliders. Relax on your new deck & watch the show. #206337 Betty Carleton 425-444-3507

Gig Harbor

$130,000

1.1ac lot on the upper side of the Preston Fall City Rd. Water is stubbed to lot, close in lovely scenery with a fast commute. #149926 Betty Carleton 425-444-3507 Michael Schoonover 425-442-0477

Prices reduced by 1/2 & quantity discounts considered. Close to shopping, good territorial views. #194835 Betty Carleton 425-444-3507 Michael Schoonover 425-442-0477

Building lot

$135,000

2.4 acre lot on the upper side of the Preston Fall City Rd. Water stubbed to lot, a close in lovely setting. #149923 Betty Carleton 425-444-3507 Michael Schoonover 425-442-0477

Fall City

Ocean View Lot

Snoqualmie

$400,000

3 lot assemblage on upper side of the PrestonFall City Rd. Water stubbed to all, lovely area and a fast commute. #149963 Michael Schoonover 425-442-4077 Betty Carleton 425-444-3507

$195,000 Snohomish Comm

6+ acres in Snoqualmie. Fast access, close to riding & hiking trails, this pvt location offers mature trees and a brook. Lots of space. #259947 Betty Carleton 425-444-3507 Michael Schoonover 425-442-0477

$398,000

Tucked away building lot up pvt lane. Potential lk & Mt Rainier views. Lg lot, 3000sf building pad. Paved access to lot line. Near Park trails. #112896 Lindy Weathers 206-920-8842

$159,000 Fall City

Spectacular view property, high on hill in gated Willapa Heights. Panoramic, sweeping ocean views. Highly coveted. Ready to build, septic in. Perfect f/dream home. #235503 Cathy Humphries 206-300-6142

up pvt road off E Mercer. Road, utilities in along paved access, recorded maintenance agrmt. Survey avail. #83519 Lindy Weathers 206-920-8842

Federal Way

$499,900

Incredible opportunity: Main 5br hm + 2BR cottage. Deeded beach rights, over 1/2 ac. Just blocks to Lynwood center, movies, bakery, coffee. #251450 Michele Schuler 206-992-2013

Redmond

$639,000

Built 2000, w/great flowing flrplan sited on shy ac. 4BR/3BA, office, & 5 piece mstr ste w/balcony. You will love it! Move-in Today! #201940 Becky Nadesan 206-972-1113

Great Potential $850,000 Bellevue prime location. 3 adjacent tax lots zoned R1.8. 2.79ac combined. Older hm on property, 5 home site development potential. Call for details. #278696 Patricia Temkin 206-579-5073 Felicia Brooks 206-612-4663

WOW Ocean View! $1,295,000 Perched above the ocean, a stunning home w/breathtaking views. World class 4000sf of luxury. Incredible attention to details. Near Westport WA. Your dream hm! #202964 Cathy Humphries 206-300-6142

Bellingham Comm

$1,350,000

4.5ac just off the freeway, all utilities in the street or on property, new sidewalks in. Multi use, close to Bellis Fair & growing commercial. #27127645 Michael Schoonover 425-442-0477 Betty Carleton 425-444-3507

New Price!

$1,390,000

Stunning country estate in Union Hill on over 2.5 acres. Traditional home with adjacent ADU, pool, sport court, green house, creek & more. #251583 Greg Rosenwald 206-230-5445

$3,600,000

345+ac perm. for 18 hole course in Westport. Hotel, condos, retail areas. 2.5+ mi of ocean/ bay frontage, by Lighthouse State Park. Unique. #273135 Michael Schoonover 425-442-0477 Betty Carleton 425-444-3507

CONDOMINIUM -SHORT SALE-

$64,900 Mercer Island

Heritage at Fairwood 2BR/1BA 895SQFT FHA APPROVED! www.cbbain.com/ jamesshute #202888 James R. Shute 206-230-5421

DT Bellevue

$343,600

Located in the heart of Bellevue this fabulous unit boasts 9’ ceilings + 2BR and 2 Full Baths. Close to all amenities and MSFT. Call & See Today. #269216 Becky Nadesan 206-972-1113

$4,000,000

25+ac land just East of summit, much preliminary work done. Possibilities are townhomes, lodge, condos, restaurant, single fam homes. View, view, view. #198735 Michael Schoonover 425-442-0477 Betty Carleton 425-444-3507

Bellefield Park

Exceptional Properties Upper-end properties, In the top 10%

$615,000

Enjoy A Premier Location & all the Benefits of Living in Vibrant Downtown Kirkland. 3BR/2.5BA, 2092SF condo in a 6 unit building. Seller will look at all offers. #261376 Becky Nadesan 206-972-1113

$470,000

Downtown Bellevue Townhome, newly renovated throughout, 2BR+2.5BA, club hse, pool & tennis courts, magnificent grounds, pvt patio & deck, new furn+AC, gar #280475 Laura Reymore 206-230-5351

$615,000

Enjoy A Premier Location & all the Benefits of Living in Vibrant Downtown Kirkland. 3BR/2.5BA, 2092SF condo in a 6 unit building. Seller will look at all offers. #261376 Becky Nadesan 206-972-1113

On the Blvd!

$1,098,000

On the Boulevard and directly across from Houghton Beach Park, this nearly 2,000 sf, 2 BR/1.75 BA condo boasts spectacular city & lake views. #254580 Peggy Watkins 206-230-5444

Lock up & Leave

$1,175,000

Urban/Suburban living w/o giving up space. 3BR/3.5BA townhome w/approx 3,450sf & attached 2 car gar. Living/dining, kit/family rm, den, rec rm, plus A/C. #252329 Molly Penny 206-200-4411

Stop by our COLDWELL BANKER BAIN Mercer Island office for a Hot Sheet of New Listings, Sunday Open Houses or Sold Properties in your neighborhood!

527899

EQUAL OPPORTUNITY HOUSING

Virtual Tours

$494,000

Immaculate 4BR/2.25BA Murray Franklin home on quiet cul-de-sac. Near Grasslawn Park, MSFT. New Carpet, New Paint, in & out. This home is ready for you. #271179 Becky Nadesan 206-972-1113

Kirkland Condo

◆ New on Market

$493,000

$550,000

Great location, no vacancy in 5 years. 5 units, one a retail space, 2-5 are residential units. In Three Bridges area. #183771 Michael Schoonover 425-442-0477 Betty Carleton 425-444-3507

$1,400,000

60 lots in a 55+ plat. All utilities are in, the road is paved. 1/2 reduction from previous price, nice territorial views & convenient to shopping. #194858 Michael Schoonover 425-442-0477 Betty Carleton 425-444-3507

$410,000 Snoqualmie Pass

2.91 acres just west of Sno Station. 2 parcels, w/income producing espresso stand & mobile home also. High traffic count, on a corner, in the path of progress. #191560 Betty Carleton 425-444-3507

Bainbridge Is

Former Naval officers quarters barged from Seattle to picturesque 1ac setting w/views of Eagle Harbor & downtown Seattle. Lovingly restored w/amazing gardens #277229 Michele Schuler 206-992-2013

$688,000 Bainbridge Isl

Building site of nearly a 1/2ac w/tranquil & serene Lake views & Seward Park to the W, treetops to the S. Olympic Mtn views w/2nd story. #248070 Peggy Watkins 206-230-5444

Golf course

business would like to lease back. Free street parking. #276347 Michael Schoonover 425-442-0477 Betty Carleton 425-444-3507

$550,000 Microsoft

6.08ac w/water, power, sewer, electric in the street. Zoned R35000, possible rezone. Corner location on Pacific Hwy S, very quick access. #184081 Betty Carleton 425-444-3507 Michael Schoonover 425-442-4077

Hoquiam Estates

$219,000

Pre-approved Short Sale! Great investment opportunity! New in 2008, biggest model hm! Light & bright, hdwd flrs. Fully fenced & well maintained. #257883 Debbie Barbara 206-300-6077

$315,000 $498,000 Commercial Updated commercial in Bremerton. Current

Partial lk view lot, small subdivision 5 lots, up pvt road off E Mercer. Backs to conservancy Tract. Road, utilities in along paved access. Cleared for viewing! #83516 Lindy Weathers 206-920-8842

$350,000 Lake Views!

10 acres off the Old Black Nugget Rd, in an area of very upscale timbered properties. All year creek through it, close and fast access. #179816 Betty Carleton 425-444-3507 Michael Schoonover 425-442-0477

$150,000 Opportunity!

5+ acre lot on the upper side of Preston Fall City Rd. Water stubbed to lot, lovely and close to freeways. #149921 Betty Carleton 425-444-3507 Michael Schoonover 425-442-0477

$325,000

14,000sf lot available just off East Mercer Way. Access on title for driveway easement. Great price on a very nice building lot. #179845 Betty Carleton 425-444-3507 Michael Schoonover 425-442-0477

Issaquah land Fall City

Building Site

$155,000 Tacoma Comm

2BR/2BA townhome close to shops, restaurants & lots of golf courses. Rated, “Top 10 Best Nbrhds to Live in America.” Call to see. #276227 Debbie Barbara 206-300-6077

$475,000 New Price!

29+ac of land, super easy access off I-90. Will support 3, maybe 4 homes, or your dream estate. Has a stream & a waterfall, be the first on your block. #206270 Betty Carleton 425-444-3507 Michael Schoonover 425-442-4077

$498,000 lots $300,000 Residential Lot $125,000 Hoquiam 10 lots in the 55+ development in Hoquiam. Partial lk view lot, small subdivision of 5 lots,

1.2 cleared acres in Gig Harbor. Power, cable, phone in easement rd, owner financing considered. Mins from Hwy 16, close to shopping. #269818 Michael Schoonover 425-442-0477 Betty Carleton 425-444-3507

Fall City

$300,000

1.5 acre lot w/all utilities, foundation poured & plans included. Very close in and convenient, set back & pvt. Owner financing. #196328 Betty Carleton 425-444-3507 Michael Schoonover 425-442-0477

$448,000 Maple Valley

Lg residential building site in area of new/ remodeled homes. Lk & Mt Rainier views. All utility/access easements recorded. Serene stream along S boundary. #143651 Janet Scroggs 206-230-5414

$300,000 North Bend land

site! 18,728sf on the new light rail, across from Columbia City Station and at a light and on the corner. Multi use. #16628 Michael Schoonover 425-442-0477 Betty Carleton 425-444-3507

Kenmore lot

OFF ISLAND

$210,000 Private lane

12.9 wooded acres just off I-90 at exit #31. Now with deeded easement for easy access. Lots of room & trees. #29160006 Michael Schoonover 425-442-0477 Betty Carleton 425-444-3507

206-232-4600

Page 32 | Wednesday, October 19, 2011

MERCER ISLAND REPORTER | www.mi-reporter.com

COLDWELL BANKER BAIN MERCER ISLAND OFFICE | 7808 SE 28th Street #128, Mercer Island |

206-232-4600

To see every home that is for sale in Western Washington go to cbbain.com

MERCER ISLAND HOMES

Serenity

$598,000

A refreshing break from the ordinary! Tucked in the evergreens on a 29,110sf lot, this 4BR uniquely NW contemporary will take your breath away. #257833 Greg Rosenwald 206-230-5445

Farm House

$810,000

Welcoming traditional updated throughout w/French-style open kitchen, two separate wings: one w/3BR & 2 BA; other wing has 2BR & 3/4BA; inviting/fab! #233357 Hedy Joyce 206-406-7375

$50K LESS NOW!!

$948,000

Great Rambler

$599,000

GREAT NEW LIST! $680,000

Huge Yard!

Formal living & dining rms, cathedral fam rm off Euro Kitchen, 3BR, 2.5 updated baths; 2 fplc; great patio & entertainmentdeck; prof landscaped gardens. #183788

WOW! Bright, spacious custom home ideally sited a few blocks from schools & parks; 3-5BR w/superb formal areas, gorgeous lg lvl yd & many extras! #276822 Natalie Malin 206-230-5422

Your own full size sport court is part of this amazing property! Fab 2 story home in a lvl nbrhd near all the s’end conveniences. 5BR+den+bonus. #258197 Jane Harrison 206-919-9992 Stephanie St. Mary 206-953-8359

Hedy Joyce 206-406-7275

No Trick Here!

$850,000

It’s all true: Seattle skyline view! Prime nbrhd. Near schools, shopping & parks. Great room plan w/updated kitchen. 4+BR/3BA. Big bkyd! #258208 Jane Harrison 206-919-9992 Stephanie St. Mary 206-953-8359

The Lakes

$978,000

View Brightener

$898,500

Light filled home w/Lake views, 5BR/3.5BA, living/dining, family rm/ kit, rec rm & den/office. One lot above wft. Come enjoy the ever changing views! #254940 Molly Penny 206-200-4411

Wonderful Views $1,048,000

5BR Black & Caldwell on pvt park site! Skylights, wdws & French doors galore; kit w/Subzero, slab granite island. Zen feel w/creek; amazing extras! #270181

Formal spaces & casual living are combined in this classic, 4BR, 2-story home located in The Lakes. Main floor den & addtl bonus room over 3-car garage. #268794

1 Home Up From Waterfront, Great Views, Vacation at Home, 4BR/3.25BA, Office, Sauna, 2 Firepalces, John Sato Architects 1965. #233365

Natalie Malin 206-232-3240

Peggy Watkins 206-230-5444

Galen Hubert 206-778-9787

$2,300,000

$899,000

Westside half ac, lake views at end of street, 4BR/2.75BA, spacious & light, rec rm+den, separate space for studio, lovely grounds w/pool. Mid century classic! #250752 Cathy Humphries 206-300-6142

North End

$1,149,000

New Price!

$774,900

Immaculate traditional with light-filled rooms and all of the right spaces. Gorgeous setting. #255027 Greg Rosenwald 206-230-5445

Light & Bright

$899,950

Immaculate 4BR home with terrific privacy and peek-a-boo views. Elegant and lightfilled. Park-like grounds with a soothing pond. #261821 Greg Rosenwald 206-230-5445

New Listing

$1,199,000

Fabulous First Hill home sited on a quiet cul-de-sac w/Cascade vws that capture your heart. Gorgeous Custom Kit w/ Natural Cherry cabs & slab Granite. #276387 Becky Nadesan 206-972-1113

2007 Built John Day home w/the most functional flrplan! 5BR/3.5BA, 3420SF, Flat, sunny lot N-End location on dead end street: blocks to I-90 & town. #253097

Gorgeous Wft

It Is All Here

$1,650,000

Westside Sunset $1,998,000

NEW PRICE!

Plans & permit ready! Traditional, shingle sided new home by RKK Const at Sunset Ridge. Luxury amenities & systems, craftsman styling. Last in plat for pre-sale. #166242 Lindy Weathers 206-920-8842

Extremely pvt 100’ westside WF, dock, deepwater moorage, jet ski pad. Rebuild/ remodel on footprint at water’s edge. 2nd tax parcel available to WF buyer. #196224

Gracious, level 1/2ac w/light-filled 3370SF home. Stunning lake & mtn views. 5BR/3BA. Pvt & serene setting with easy access to I-90. #191475

$2,300,000

Lindy Weathers 206-920-8842

Janet Scroggs 206-230-5414

Michele Schuler 206-992-2013

$5,495,000

Brilliant 4BR/3.5BA custom designed home w/80’ of pvt wft, sandy beach & moorage. Built in 2004 w/unparalleled details throughout. Call for an appt. #251682 Molly Penny 206-200-4411

527859

Last Chance!

Classic NW

$749,000

EQUAL OPPORTUNITY HOUSING

Stop by our COLDWELL BANKER BAIN Mercer Island office for a Hot Sheet of New Listings, Sunday Open Houses or Sold Properties in your neighborhood!