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ACT Computers owners grow firm slowly, deliberately with emphasis on timely service Business Local banker to celebrate 55th birthday with an inline skating challenge for charity Active Life

Vero Beach N E W S W E E K LY T H U R S D A Y

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Bill Penney, chairman and CEO of Marine Bank & Trust, has been skating a mile for each year of his life every birthday. Heâ&#x20AC;&#x2122;ll be doing 55 on June 4. Story inside.

Expect rates to rise as soon as July Inside

Dig deeper to pay storm insurance Adjustable rate mortgages making a comeback Home

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could spell the end of its ownership of power, water and sewer. Do you have a feel for what city government would look like if all this happens? Are you up for this potentially massive downsizing? O’Connor: Yes I am up to downsizing of the City if that is the direction the Council wants to take. The City government would take on a new role with basic city services not unlike many small cities across America. I believe there would still be a role, if the City can add value to the residents, for the local government to work with streets, public safety, parks and land use decisions. My experience the closer government is to the residents the more eﬃciently it performs. VBN: Have you ever worked with a council that includes a member who

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and will receive $3,000 in living expenses or $1,000 per month for three months. He comes on at at time that the city is opening negotiations with Florida Power & Light to take over its electric utility and considering entering discussions with the county to merge its water and sewer systems. He will also be stepping in during budget season when revenues will be down once again. Also on his to-do list will be the need to hire a city attorney and ﬁnance director. O’Connor granted a wide-ranging interview with Vero Beach Newsweekly on crucial matters including city power, water and sewer; taxes; jobs and working with a City Council devoted to changing the way government works here. VBN: Vero Beach is going through monumental, even historic, changes that

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The City Council voted 4-1 this week to oﬀer Winchester (Va.) City Manager Jim O’Connor a contract at an annual salary of $145,000 to take the same position at Vero Beach and run a city on the verge of completely changing itself. Council member Brian Heady was the lone dissenting vote, pushing again his position that the city make public works director and acting city manager Monte Falls, the full-time city manager. The $145,000 salary the city is oﬀering O’Connor is equal to the money he is making in Virginia and about $10,000 a year more than former City Manager Jim Gabbard was making. Contacted just after the vote O’Connor

said: “I am very honored and we will make this thing work.” He said he expects to be on the job on or before July 25. He was able to receive an Jim O’Connor extra $4,350 per year more the city will pay into his retirement plan above what was originally oﬀered. That amount is equal to what he is receiving in his current position. O’Connor also agreed to forgo a cost of living adjustment until the second year of his contract

BY MICHAEL CROOK VERO BEACH NEWSWEEKLY

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Vero Beach City Council hires new city manager

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LOCAL NEWS

CITY MANAGER FROM PAGE 3

seems to be left out of most votes, 4-1, and has reputation as a contrarian? It seems not uncommon in Florida, perhaps elsewhere. How do you approach such a situation? O’Connor: Every Council member deserves and is entitled to their opinion and it is my job to provide the same information to all members of Council. Yes I have worked with councils where there is at least one member who on a regular basis draws a diﬀerent conclusion than the majority based upon the same set of information. My approach is to ensure the channels of communication are maintained and that I work to build conﬁdence with the person so if at the very least they know they have access to any information I may have. Just as a side note I have worked with City Councils made up of from 5 members to 10 members and the greater the number the less likely to have unanimous votes on any issue.

VBN: Tell us about your experience with building consensus among members of an elected council. Does every vote need to be 5-0 for government to run smoothly? Or is disagreement manageable, even healthy at times? O’Connor: Issues with diﬀerent views in the community typically will have split votes which is not uncommon so unanimous votes are not required for a local government to run smoothly. Disagreement is not only manageable but reﬂective of opinions within most communities therefore representative of the residents. My role is to build consensus on the direction of the organization not necessarily on particular votes. VBN: You helped achieve the sale of Dover’s power plant in Delaware to Duke Power. For 10 years, the ratepayers enjoyed zero rate increases. Then Duke sold it back to the city as it divested itself of its Eastern Seaboard assets, and rates skyrocketed. Is there a lesson for Vero Beach here? O’Connor: Yes, there must be a long

term plan based upon relatively short term contracts. Any business or organization must continually evaluate where they are in the marketplace and on the day a contract is signed, look forward to the next step or contract that will be needed to maintain that position. The electric distribution market continually changes with factors such as fuel cost, labor cost, new technology to improve efficiency and benefits of economy of scale. The city must continually stay abreast of the market and potential partners and understand what it can do efficiently and effectively. VBN: Do you think it’s possible, even inevitable, that city property taxes will have to become a greater proportion of city revenue? Have you ever managed a situation where property taxes are, as most agree here, extraordinarily low, while the city considers cutting off a revenue stream from its utilities? How did that work out? O’Connor: Yes, in a couple of cities in which I worked either utilities or a casino

revenue kept property taxes artificially low. In one community we addressed the issue over time and transitioned away from utilities as a primary revenue source It was painful but in the long run worked to the city’s favor. The lesson learned: it took time, which in Vero Beach that may not be available. VBN: Jobs, jobs, jobs. It’s a pressing issue in this city and the county at large. Do you have any big ideas on how to bring jobs to a community that historically favors slow growth and development? O’Connor: Working with the county and as a region will be essential in creating jobs. The City will need to find a role in economic development that will compliment the community vision while at the same time creating jobs which equates to wealth in the area. The real question how does Vero Beach fit into the regional vision and how can Vero Beach work with Indian River County to recruit businesses? I would expect the City Manager’s position to have a place in this effort.

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Bill Fruth gives local leaders good news and bad news.

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V E R O

The people responsible for attracting and creating jobs in Indian River County – politicians, civil servants, business leaders – recently got a straightforward report on the state of the local economy and some advice on improving it. Sponsored by the Indian River County Chamber of Commerce, Bill Fruth of POLICOM Corp., a Palm City firm, had good news and bad news to share. Foremost, we can say good-bye to the robust construction industry of past years, Fruth said. “It was built on funny-money mort-

gages, not only here but across the country, and it won’t come back for many years,” Fruth said. Bill Penney, CEO of Marine Bank & Trust and chairman of the Chamber’s economic development division, had this to say in reaction: “We use this term ‘economic development’ but that shouldn’t mean new houses and new rooftops. I wish we could strike the term ‘economic development’ from our vocabulary and just say ‘jobs.’” On the up-side, Fruth sees employment, historically prone to sharp swings up and down by month and by season, stabilizing somewhat. Here is Fruth’s summary of the economy in Indian River County:

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BY MICHAEL CROOK VERO BEACH NEWSWEEKLY

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Local leaders hear advice on generating new jobs

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ECONOMY FROM PAGE 5

• While still ﬂuctuating, seasonal changes are not nearly as volatile as in the past. • The county participated in the building boom. As a result, residential construction will be very slow for many years. • Vast majority of unemployment was caused by the decline in the hous-

ing industry. Most of the other positive economic components are still in place. • The national economy will be very slow for a very long time. Preserving your existing industries should be the focus of your attention. Chamber President Penny Chandler was heartened by the numbers on employment volatility. “I think one of the things that stands out to me the most were the sharp spikes in unemployment,” not only

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LOCAL NEWS

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year to year but season to season, even month to month. “That is what really stood out to me the most., the erratic behavior with unemployment starting in 1990 through around 2000. Way up and then way down. It’s not those sharp spikes and valleys any more. One thing good about the presentation is that it showed those things are changing. It was gratifying to see that.” Fruth called for “survival mode” action by business, chamber and government leaders. What all areas need to do today, Fruth said, is to: • Focus on preserving existing industries and reducing their costs • Review the geographic-economic assets and liabilities—get rid of the self-inﬂicted liabilities. (Legislatures around the country are doing this.) • Support the local economic development program. Penney said his main “take-away” from Fruth’s presentation was that, “A successful community will remove its own liabilities to economic development. Quite often, communities are their own worst enemies about attract-

ing employers.” He believes the historic local slowgrowth or no-growth mood is changing. “I have to say in the last five year Indian River County has done much better,” Penney said. “There are some incentives available. The numbers are still bad, but we have laid a lot of the foundation for attracting employers and jobs. If we do this right, when the next recession comes, and there will be another recession, we won’t be one of the worst-off counties in Florida, we’ll be one of the better-off counties.” And how can the leadership in Vero Beach and countywide keep existing businesses? “I just think being friendly to the businesses,” Penney said. He cited County Commissioner Peter O’Bryan as exemplary. “Commissioner O’Bryan has been very aggressive about going out and talking to businesses. A business owner may say, ‘I’d like to expand but I heard the permitting process is so hard, and I have no time to do it.’ The county can help take away that mystique and that fear.”

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LOCAL NEWS

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BY IAN LOVE

V E R O B E A C H

FILE PHOTO

It has been five years since the last hurricane battered Indian River County. This photo was taken of the Vero Beach Inn after the back-to-back landing of hurricanes Frances and Jeanne in 2004.

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With forecasters calling for another active hurricane season, some industry experts say you can expect an active season of insurance rate hikes as well. Gov. Rick Scott has signed into law a number of reforms to shore up carriers and hopefully open the market to new companies willing to come in and write property insurance policies in the Florida market. However, with those reforms also came the ability for insurance companies to seek higher rates from homeowners already socked with soaring gas prices and a sour economy. In a recent Op-Ed piece, state Sen. Mike Fasano (R-New Port Richey),who voted against insurance reform Senate Bill 408, said: “The legislation, Senate Bill 408, virtually guarantees a 15 percent ‘reinsurance’ increase for Florida policy holders who have no choice but to buy property insurance on their homes if they have an outstanding mortgage.” While that claim is disputed by reform backers, local agents contacted by Vero Beach Newsweekly said they do anticipate the rates you and I pay to go up with the passage of the bill. “I believe generally speaking the rates will be going up, but perhaps on the positive side on a smaller scale than what Gov. Scott was ﬁrst proposing,” said Brad Emmons of Vero Insurance. These expected rate increases come at a time that forecasters are predicting up to 18 tropical storms between June 1 and Nov. 30 when hurricane season ends. What is even more worrisome, is they say conditions are ripe for some of those storms to hit U.S. soil as a major hurricane. Sea surface temperatures in the tropical region where storms are most likely to form are 2 degrees Fahrenheit higher than normal. That is not as warm as last year, but still suﬃcient to fuel hurricane development along with continuing wind conditions favorable to hurricanes staying intact, forecasters said.

Forecasters at Colorado State University’s Tropical Meteorology Project predicted in early April that there would be 16 tropical storms, including 9 hurricanes and 5 major hurricanes this season and a 72 percent chance that at least one of those major storms will hit the U.S. coastline. All of this comes at a time when insurers doing business in Florida are saying they are losing money and need to raise rates if they are to have the reserve funds necessary to make payouts to customers should a major storm hit the state. What has some scratching their heads is that it has been five years since a major storm hit Florida and enough time, critics would say, to build up a strong enough balance sheet able to withstand a major storm hitting the state. “A lot of people are waiting to see what will happen with this hurricane season,” Emmons said. “We have a situation where we have a lot of active companies writing business in Florida and even though we have not had a major hurricane in five years, the reserves have not been built up to the extent that you thought they would be. We are crossing our fingers this year that for Indian River County we don’t have any major storms make landfall here. That would obviously adversely impact the availability of insurance in the marketplace and have an adverse affect on pricing as well.” Insurance companies say they have been hurt by legislation signed into law by former Gov. Charlie Crist that kept rates artificially low and provided all kinds of wind mitigation breaks to homeowners who shored up their properties to protect against wind damage. Those state mandates prevented insurers, already reeling from the major hurricanes of ‘04 and ‘05, from shoring up their reserves. In addition, the state was hit by a sinkhole epidemic that, while not directly affecting Indian River County,

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VERO BEACH NEWSWEEKLY

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Plan on spending more for hurricane insurance this season

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HURRICANE

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FILE PHOTO

Forecasters are calling for as many as 18 tropical storms this hurricane season. This Indian River County home suffered extensive damage after the 2004 hurricanes made landfall along the Treasure Coast.

required millions of dollars in payouts from already shaky insurance companies. Many of the changes signed into law this month by Gov. Scott addressed abuse of the system supporters said was taking place, including cutting the time you can file a claim from five years to three, diminishing the role of public adjusters and changing how insurance companies must pay claims. However, Emmons said the Legislature failed to fix the 800-pound gorilla in the room -- the government authorized Citizens Property Insurance Corporation. “It has some positive reforms in there, but I think the disappointment would be that he made a lot of noise about reforming Citizens and I am not sure if they addressed that issue,” Emmons said. “They put that on the back burner; at some point they have got to address it.” Critics of Citizens point out that its reason for existence has completely

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shifted from being the state’s insurer of last resort to a cheap alternative for coastal homeowners to receive protection. Citizens has in the neighborhood of 1.4 million customers who are paying what most would admit are artificially deflated prices. “By their own estimates they need a 40 to 50 percent rate increase on a statewide average,” said Kyle Ulrich, Senior Vice President of Public Affairs for the Florida Association of Independent Agents. Even more dangerous, Ulrich notes, is that as a government-sponsored agency, Citizens doesn’t have to turn a profit nor does it even have to keep up proper reserves on hand to pay the claims should a major storm hit the state. When Citizens gets nailed with a large wind damage bill we all get hit with an assessment on the insurance policies we must pay. “Citizens is underfunded and it puts an unreasonable burden on the citizens of Florida,” Vero Insurance’s Emmons said. “What we could be faced with is a huge assessment, we are still paying for the hit we took in 2004. If you look at your policies now you will see you are paying assessments for Citizens going back that far.” Both Emmons and Ulrich say that Citizens needs to be returned to its original reason for being -- a place to buy insurance when there were no other options available. “In 2010 alone, 70,000 policy holders checked the box that said they had been offered insurance from a private insurer, but decided instead to go with Citizens,” Ulrich said. Added Emmons: “What I don’t like to see happen is that people who can otherwise place business in the private market use Citizens because it is a much lower premium than is offered elsewhere. There has got to be an element of fairness in this. A $300,000 home on the mainland should not be the same premium as a million dollar home right on the water.” Gov. Scott had campaigned on returning Citizens to its original mandate, but may find the going slower than he had anticipated.

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another instead of a state-backed insurance agency. “It might have been naive of Gov. Scott to think he could make the change overnight,” Emmons said. “I think eventually there will be a more business friendly environment and that doesn’t mean the consumer should think that means higher rates and less choices. I look at it as a trend to a more favorable and stable marketplace because I don’t believe we have that right now.” For his part the FAIA’s Ulrich says that the last legislative session was a good start on insurance reform and that more work must and will be done. That is especially so in the case of Citizens. “The governor was very involved with the process and there was an awful lot of insurance reform discussed this year,” he said. “I think at the end of the day there just wasn’t a lot of appetite to deal with Citizens. But the governor gets it, he understands that the private market cannot compete with the government.”

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erty market in Florida and I don’t think it is going to get softer or rates will go lower. You are probably looking at rates being on a steady incline heading into 2012.” Of course, we will all have our ﬁngers crossed, hoping that none of the expected 18 tropical storms make landfall this expected-to-be-active hurricane season. We have been lucky the last ﬁve years to have no major storms reach our shores. However, industry experts say though people might grow complacent it is a question of when not if a hurricane will make landfall again in Florida. The question for the future is how Gov. Scott, who has touted a business-friendly approach to guide the conduct of his administration, will continue to deal with the insurance problems that now are his responsibility. He has said he wants to return Citizens back to its status as the insurer of last resort and have a return to an open-market approach where carriers are competing against one

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secondary carriers allowing for more policies to be written. However when a slew of natural disasters hit, those available dollars become scarce and the rate re-insurers charge primary insurers goes up and that bill is ultimately passed along to the consumer. “A lot of the re-insurance companies are global so something that happens in Japan or New Zealand or even Alabama can aﬀect the Florida market,” said Julie Siano of Statewide Insurance. “Typically all the carriers buy their reinsurance July 1 and that is when we might start to see rate increases.” In fact, Emmons says the earthquakes on the other side of the globe will have more of an eﬀect on our pocketbooks than the latest Legislative session. “Many of the incidents outside of Florida will have more of an impact on Treasure Coast residents then the (insurance reform) legislation,” he said. “The reason is the re-insurance companies will try to push the rates up. Typically re-insurance companies drive some of the pricing in the prop-

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“With the economy being the way it is and with something like 1.4 million Citizens policy holders, any substantial rate increase would have an adverse impact on the economy,” Emmons said. “They are getting some rate increase at Citizens, but the fundamental problem is that it will keep growing. In many cases it is the most competitive insurer out there. I don’t believe anyone wants Citizens to grow, but they have yet to address that speciﬁc point.” While Citizens is a man-made problem, with conceivably a manmade solution, there are other forces in nature that will drive up our insurance rates this hurricane season and they are largely out of our control. From earthquakes in New Zealand to the tsunami in Japan and even closer to home the tornadoes in Alabama and the flooding in the south and midwest, each of those disasters are drying up available dollars in the reinsurance market. Re-insurance is purchased by insurance companies to spread out risk to

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It’s a big craft, the Roselyn G of Fort Lauderdale, the steel-hulled commercial boat that has been docked in the Indian River for months, with some observers noting that the boat is being maintained by whomever owns it. Efforts to locate the owner have thus far been unsuccessful. Firefighters at Station 2 said there have been no calls about the boat. If you have information you’d like to share, send it to michael@verobeachnewsweekly.com.

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A Soiree Production Because good things come in pairs.

County approves $68,000 grant to attract new jobs VERO BEACH NEWSWEEKLY

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The Board of County Commissioners this week approved a $68,000 grant for a telecommunications company with headquarters in Indian River County. The company was not named at the commission meeting on Tuesday due to state economic-development laws that allow confidentiality before agreements are final. However, it has 180 employees around the country, including 45 locally. In all the company will hire a sales administrative assistant, three project managers, one inside sales representative, 2 staff accountants, 1 IT technician, 2 system technicians, a purchasing manager and an administrative assistant. In order to qualify for the county’s

jobs grant program the business must create at least 5 new jobs with wages greater than 75 percent of the county’s average wage of $34,730 or at least $26,047. Six of the new jobs will pay more than $52,000 a year with the company receiving a grant of $7,000 per job or $42,000. Four of the expected hires will be paid about $35,000, earning a $20,000 payout to the company at $5,000 per job. Two of the jobs will pay $26,000 for a $6,000 return to the company. The grants will be paid over a threeyear period and the company must also provide proof that the employees live in Indian River County or one of the adjacent counties. The company is expanding after a recent acquisition.

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Volunteers and potential mentors with Youth Guidance Mentoring & Activities Program of Vero Beach gathered Saturday at Vero Bowl for “B-day Bowling,” which included pizza and a gift for each child whose birthday fell during March through June. Saturday was for kids who have yet to be matched with a mentor. The organization serves about 700 children from kindergarten to high school ages. About 175 are now working with a mentor – an adult who has graciously agreed to spend two hours a week in an activity. The rest need “matches,” and executive director Barbara Schlitt Ford encourages anyone who might be interested in mentoring to come out for an activity like B-Day Bowl to get to know a child in need. On Saturday, three were matched with new mentors. Call 7705040 for information.

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Group seeks mentors for children in need

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Community Forum Guest Editorial

Ethical Standards on the Editorial Page BRUCE W. FRASER

It’s been said that a nation is defined by the deal it strikes with its press; without a free press, no country can call itself a democracy. The same is true of local communities. The First Amendment of our Constitution is the envy of peoples around the world, in part because it serves as a guarantor of journalistic freedom – as an assurance that news organizations can pursue a story wherever it leads without governmental interference or censorship. The deal America has struck with its press is enshrined in this Amendment, and it reflects the realization that a free and democratic society requires unfettered access to the truth. Yet such freedom comes with a reasonable expectation of journalistic integrity. At the very least, the press should pursue stories in a manner befitting an institution essential to our democracy; among other things, it should refrain from distortion and omission, conjecture, and partisanship; it should also strive for fairness and relevance. Which is just to say that the deal a nation strikes with its press is not merely legal, it is also -- and perhaps most importantly -- moral.

The idea of a moral constraint on free speech predates the founding of our country by nearly half a century. Early in what would prove to be an illustrious career, Benjamin Franklin penned one of the first arguments for journalism ethics to appear in the New World. Titled simply “Apology for Printers,” Franklin’s defense was published on May 27, 1731, on the pages of his own newspaper, The Pennsylvania Gazette. In a passage that reflects a remarkable level of personal restraint, Franklin writes: “…[Editors] do continually discourage the printing of a great number of bad things, and stifle them at birth. I myself have constantly refused to print anything that might countenance vice, or promote immorality; though by complying in such cases with the corrupt taste of the majority, I might have got much money.” The early years of American journalism were characterized more by partisan news and a lack of objectivity than anything else; Franklin was advocating for moral restraint ahead of his time and in a climate of often-scurrilous news coverage. Closer to our own century, Joseph Pulitzer is frequently associated with the defense of an ethical

“Doing good by doing right.” Vero Beach Newsweekly is distributed throughout Vero Beach and the barrier island.

high ground in journalism, as it was he who insisted on separating the news pages from editorial as a way of preserving the integrity of reporting. Pulitzer’s distinction between news and commentary emerged in response to his battle with William Randolph Hearst for dominance in the news business. Hearst was relentless in his campaign for greater circulation and the distinction between truth and opinion was one of the ﬁrst casualties in his war for a wider audience. “Yellow journalism” was the description given to sensationalistic coverage that ignored the truth if it got in the way of partisan or ﬁnancial interest, and Hearst was its poster child. We still distinguish reporting from editorial today, at least in principle. What we often forget is that the ethical standards governing the news also apply to the expression of opinion. Editors are not relieved of their ethical responsibilities as journalists just because we dub what appears on the editorial pages ‘viewpoints.’ One could argue -- quite convincingly, it seems to me -- that the expression of opinion actually requires greater sensitivity to the ethics of public discussion precisely because what is

said is one step removed from the facts. I say “one step removed” rather than “removed” because one of the ethical constraints on journalistic opinion is that it not be completely divorced from reality. What I am getting at here is the distinction between insightful opinion informed by evidence and the kind of commentary that ignores or suppresses facts in the interest of manipulating an audience for personal or political gain. It is the former that should ﬁnd a place on the editorial pages of our local and national newspapers, not the latter – at least if we’re interested in elevating the quality of public discourse (editorial, like news, can be ‘yellow’). Anything else is a violation of the public trust – an exploitation of the widely-held presumption that those who know the facts are in the best position to oﬀer an insightful point of view. When I started the Center for Media and Journalism Studies at Indian River State College, it was in part to address what I take to be a pervasive failure to distinguish fact from opinion, truth from manipulation. It was also to revive a sense of the importance of CONTINUES ON PAGE 13

Mark Schumann Publisher 978-2246 mark.schumann@scripps.com

Martine Fecteau Account Executive 696-2004 martine.vbnewsweekly@gmail.com

Michael Crook Managing Editor 978-2238 michael.crook@scripps.com

Carrie Scent Graphic Designer 978-2238 verobeachnewsweekly@gmail.com

Ian Love Lead Writer 978-2251 ian.love@scripps.com

Marsha Damerow Graphic Designer 978-2238 verobeachnewsweekly@gmail.com

Mail may be sent to Vero Beach Newsweekly, 1801 U.S. Highway 1, Vero Beach, Florida, 32960 To advertise call Martine Fecteau at 772-696-2004, or Mark Schumann at 772-696-5233.

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Everyday miracles One of these rituals is called Nissim B’chol Yom or Every Day Miracles. It is a series of short blessings that focuses a person through each step of waking up -- opening the eyes, standing up, stretching, going to the bathroom, washing hands, getting dressed…and the list continues. Each step is expressed in spiritual language that relates to the mundane morning activity as well as higher concepts of theology.

ETHICAL FROM PAGE 12

socially responsible, i.e., ethical, discussion. In a time when our nation and our local communities face enormous challenges, news editors should recommit themselves to the standards of responsible discussion and honest debate, standards reﬂected in the ethical codes of organizations such as the Society of Professional Journalists (www.spj.org).

For example, one blessing thanks God for opening the eyes of the blind. This is not only a thank you that we can open our eyes and see, it is also a reminder to open our vision wider RABBI MICHAEL BIRNHOLZ looking for holiness, caring, and love in our world.

Ruler of the universe, who has given the rooster the wisdom to diﬀerentiate between night and day.” We need the rooster to perceive changes in our world and then crow so we can wake up and start our day. Waking up is not something we do in a vacuum. In fact, one could suggest that witnessing the outside world initiates the rest of the process described in the blessings that follow in the series. We need to understand that we are not really awake, not really ready to start our day until we acknowledge the world beyond our body, our room, our home.

The first blessing

Our own roosters

The “Nissim B’chol Yom” deal mostly with personal actions, yet the ﬁrst blessing of the series is noticeably diﬀerent. “Blessed are You, Eternal our God,

We all have our roosters who crow for us. We all have some part of the external world that signals the beginning of the

day or at least to send it into full speed. This prayer ritual reminds us that we have to do more than just hear it and wake up. We are thanking God for it. We are understanding its value and meaning for us and our lives. From our ﬁrst waking moment we sense the reciprocal and symbiotic relationship between the world and ourselves. “Blessed are You, Eternal our God, Ruler of the universe, who has given the rooster the wisdom to diﬀerentiate between night and day.” As we hear our signal to wake up and tune into the wider world, let us appreciate it and then say, Amen so that we can make the most of our day. Rabbi Michael Birnholz has served Temple Beth Shalom in Vero Beach since 2002. One of his goals is bringing Jewish values and wisdom to the wider community.

LETTERS WELCOME Let us emulate Franklin and Pulitzer rather than Hearst, both on the front page and in our editorials. The public deserves nothing less. Bruce Fraser is a Professor of Humanities and the Director of the The Center for Media and Journalism Studies at Indian River State College. He was recently awarded the Pioneer Award by the college for his work developing the media program.

Vero Beach Newsweekly invites you to send Letters to the Editor on topics of interest pertaining to Indian River County. Letters should be 250-300 words and may be edited for length. We encourage an open dialogue, but reserve the right to refuse publication of letters that do not meet our editorial standards. E-mails may be sent to verobeachnewsweekly@gmail.com or by regular mail to Letter to the Editor, Vero Beach Newsweekly, 1801 U.S. 1, Vero Beach, FL 32960.

THOUGHT TO CONSIDER “The most misleading assumptions are the ones you don’t even know you are making.” Douglas Noel Adams

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Appreciating everyday blessings All of us have our morning routines. We have specific ways that we wake up, boot up and get ready to face the experience of our day and our world. Judaism offers a number of different ritual routines for waking up – making the transition from sleep (seen by the Rabbis as 1/6th of death) and wakefulness (“raise me up to life renewed”).

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rate being oﬀered to all advertisers in the Vero Beach Newsweekly. Comparing what a given business is charging in a competing publication with the introductory rates being offered in the Vero Beach Newsweekly is a valid comparison. In fact, on page 9 of this publication you will ﬁnd a straightforward comparison of advertising rates.

The Vero Beach Newsweekly’s summer circulation on the barrier island is supplemented with additional distribution to mainland homes, professional oﬃces and businesses in the central Vero Beach area. In an open letter printed last week, 32963 attempts to portray as unethical a comparison of the rate charged one of its advertisers with the introductory

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tion and advertising, here are the facts. Quite simply, the number of occupied households on the barrier island decline by approximately 3,500 from season to summer. Inevitably, the circulation of any newspaper direct mailed to the barrier island, at least within the 32963 zip code, from season to summer, range from a high of 11,000 to a low of 7,500.

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While we would prefer to address subjects of more importance to the community, Vero Beach 32963’s use of its editorial page last week for yet another baseless attack requires a response. In fact, we intend to set the record straight whenever the editors of 32963 appear to be ﬁling reports from fantasyland. Regarding comparisons to circula-

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Fact Check: Setting the record straight

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^CQKTH u gKNO=;6HO Shalala’s advice to St. Ed’s graduates: ‘lighten up and listen up’ BY CHRISTINA TASCON VERO BEACH NEWSWEEKLY

Although the Saint Edward’s Commencement could be called a Graduation Ceremony, “commencement” more accurately described this formal and momentous occasion. From the dictionary: “com·mence·ment n A beginning; a start from a certain point onward.” That may explain why students are not asked to dress in caps and gowns as in most traditional graduation ceremonies. These students are expected to continue on to colleges and universities and their graduations will be reserved for completing bachelor’s, master’s or doctorates. Saint Edwards is a preparatory school which readies their students to begin the next phase of their lives. They have been given all the tools they will need on this journey from a school that has developed a specialized curriculum to mold well-rounded, confident and accomplished young men and women to enter the world fully equipped to handle what awaits them. At least 43 percent of the students here are in the top 91percentile for high academic standings. Athletics, theatre and the arts are highly regarded but never at the expense of academic courses. Although the perception of Saint Edward’s is one that all the students who attend are born into money, that is somewhat inaccurate. Saint Edward’s has many scholarship and sponsored students. The class Valedictorian, Linh Nguyen, is one such student. Linh is a firstgeneration American who was awarded a sponsorship to study at this school and will go on to Rice University as a biochemistry pre-med major. His parents and most of his family came from Vietnam and his cousin, also named Linh Nguyen, a senior at the University

PHOTOS BY CHRISTINA TASCON

Class of 2011 Saint Edward’s Commencement

of Dallas, was his biggest role model. Linh’s sponsors are a group of 20 or so alumni who pledge to support a student each year and must commit to the four years they will attend the Upper School. The ceremony was filled with special words for the 63 students most notable for having been the first class to have 100 percent participation in contributing to the school’s Annual Fund. Students who had attended from Pre-K, Kindergarten and first grade, approximately 33 percent of the class, were individually recognized. Michelle Minton’s parents were recognized with the Family Pirate Legacy, having been graduates of St. Ed’s and having a student in the ceremony. Next, the school spirit award went to Edward Moor and the Head of School award for leadership was given to Collier Proctor presented by Upper School’s Head Bruce Wachter. Before the students were awarded their diplomas, Michael Merska, the Head of School, introduced the commencement speaker, Donna Shalala. He said Shalala was one of the first Peace Corps volunteers; was the

longest serving U.S. Secretary of the Department of Health & Human Services; Assistant Secretary in the Department of Housing and Urban Development; has more than four dozen honorary degrees and a host of other honors. Business Week named her one of the top five managers in higher education; she was named one of “America’s Best Leaders” by U.S. News & World Report; President Bush presented her with the Presidential Medal of Freedom, and in 2010 she received the Nelson Mandela Award for Health and Human Rights. Her academic career began as university president of Hunter College, City University of New York, the University of Wisconsin – Madison, and currently the University of Miami. After this long dissertation on her accomplishments, Shalala joked to the students, “Don’t worry, my resume is longer than my speech.” Shalala’s background was in Educational Finance in how the tax system treats the money to aid finance in Public Schools and also majored in Political Science. Originally, she wanted to be a jour-

nalist but she was recruited by the Clintons, who were friends since college, to come into government, and she never looked back. She rejoined the academic world because she “loved working with the students.” Her advice to the class was simple yet profound. She said not to prepare for the first job but for the sixth. Study everything because you never know what you will need at that sixth position. She advised to “lighten up and listen up” and not to be too hard on themselves if they made a mistake; look for solutions and not place blame; keep both feet on the ground but keep your head in the clouds, “look before you leap but then jump anyways.” At times it is important to be patient. “You can’t change the world but do it anyway; think before you leap, be careful what you post on the Internet.” She joked, “Never upload anything you wouldn’t want printed on the front page of the Press Journal.” And her final word was “Once a Pirate, always a Pirate. Remember where you came from – Saint Edward’s.”

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Susan Temple, Jeff Bass and Rick McDermott

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Proud parents of graduating student Alison and Don Proctor II are flanked on either side by Don & Linda Proctor

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Hammad Ahmed, Jonathan Alerte, Lillian Balch and Louis Szapary are all members of the National Honor Society

Commencement Speaker Dr. Donna Shalala with Head of School Michael J. Mersky

Long Nguyen, Allen Osteen, Valedictorian Linh Tan Nguyen, Terry Osteen and Kim Nguyen

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Dollars for Scholars awards college funds to 72 local students VERO BEACH NEWSWEEKLY

Dollars for Scholars awarded 95 college scholarships to 72 local students at its 46th Annual Awards Ceremony, held at the Community Church on May 19. This year’s recipients will receive $489,000 in need-based financial aid to attend 26 colleges and universities in 9 states. Thanks to a unique gift, this year’s total awards are $125,000 greater than last year’s. Last fall, David Schuble, Pastor of the Faith Apostolic Church on Winter Beach Road, and his wife Soozi decided to donate funds raised from the sale of the church building, its contents, and accumulated funds to Dollars for Scholars. The church had been all but destroyed by the 2004 hurricanes, and the Schubles wanted to continue their mission of helping those in need in our community. Said President Vince Boyle, “We are so blessed to have received this very generous gift which is not only sponsoring 20 scholarships tonight but will continue to generate scholarships in perpetuity for the students in Indian River County. In a down economy, this gift comes at a good time.” Scholarship Chair Gaye Ludwig agreed: “With Florida college costs rising 15% per year and other scholarships and funding options reduced, community support like the Schuble’s is more important than ever to help meet the increased need we are seeing.” The scholarship packages awarded to this year’s class range from $2,000 to the most prestigious Richardson and Jaffe awards which are $5,000 per year for four years, for a total of $20,000: Richardson Scholar Awards: Lihn Nguyen, St. Edward’s School and Maia Tinder, Vero Beach High School, who will attend The College of William and Mary. Both Lihn and Maia aspire to become doctors. Frances and Ronald Jaffe Education Foundation Scholarships: Brianna Anderson, Vero Beach High School, who will attend the University of Florida, majoring in journalism, and Victoria Mangiapani, St. Edward’s School, who will also attend The College of William and Mary, majoring in anthropology. The evening was a true celebration of the mission of Dollars for Scholars, which is “to offer hope, encouragement, and scholarship opportunities to Indian River County students with financial need.” Founded by Dan K. Richardson and members of the Vero Beach Rotary Club, the organization is solely supported through the generosity of the residents and businesses of Indian River County. Since 1965, Dollars for Scholars has awarded $7.6 million in scholarships to 2,541 local students. The evening’s speaker, Manhar Dalal, a 2007 Rich-

STAFF PHOTO Dollars for Scholars board member Gwyneth Fournie presents the Frank Richardson Memorial Scholarship to Robert Ringeisen.

ardson Scholar, now studying for a Masters in Mathematics at the University of Central Florida, spoke of the investment the community is making in the recipients and reminded the students: “These awards are loans. You must pay them back by going forward and doing good.” Class of 2011 Awards Community-Sponsored Awards Dollars for Scholars Community-Sponsored Award: Noelle Adams, Kirstie Altman, John Andrea, Lilian Balch, Shawna Bowman, James Coyle, Katherine DiSandro, Celerina Dreher, Gwendolyn Lamothe, Richard Parra, Vishal Patel, Tatiana Penagos, Natanael Raya, Robert Ringeisen, Emma Rodriguez, Olivia Shadis, Caricea Smith Faith Stewardship Scholarship: Corrin Anderson, Luci Brajon, Kaley Brunner, Katelynn Castaldo, David Cicco, Katharine Drum, Shawn Durrant, Sarah Eden, Jade Flores, Anastasia-Eva Gabor, Alexandria Huﬀ, Anthony Kochensparger, Danica Kovachev, Cameron Morrison, Josuaire Pierre, Tristan Pylant, Brandon Talbott, Brittany Terry, Kandace Trodglen, Kymberli Zuckert Dr. and Mrs. Charles Fischman Family Scholarship: Ariana Carter Grand Harbor Community Outreach Scholarship: Elizabeth Jellie Indian River Symphonic Association Scholarship: Tatiana Penagos Frances and Ronald Jaﬀe Education Foundation Scholarship: Briana Anderson, Victoria Mangiapani John R. and Ann H. MacLean Family Nursing Scholarship: Natanael Raya Roger Larson Oak Harbor Employees’ Scholarship: Abraham Estacio, Corrado Poli Orchid Island Employees Scholarship: Melissa St. Clair Orchid Island Outreach Scholarship: Kara Hall, Jordan Jacobs Quail Valley Charities Scholarship: Venessa Bibeau, Andrew Howard, Margaret Mattingly Realtors Association of Indian River County Scholarship: Danica Kovachev, Brandon Talbott Richardson Scholar Award: Linh Nguyen, Maia Tinder Rotary Clubs of Indian River County Dollars for Scholars Founders’ Scholarship: Lilian Balch Helen Sarah Steyer Award: Samantha McCloud Thomas M. Steyer and Helen S. Steyer Award:

Katherine DiSandro Thomas and Simonetta Steyer Award: Melanie Rider Wabasso Women’s Club Scholarship: Shawna Bowman Wachovia Opportunity Scholarship: Richard Parra

Honorary Indian River Blood Bank Scholarship in Honor of Samuel A. Block: Maxcimillion Lipkin

Memorial Ruth E. Anderson Memorial Scholarship: Gabrielle Hinton, Fedner Juste, Jessica Moss, Grace Thomas John Avril Memorial Scholarship: John Andrea Indian River Blood Bank Scholarship in Memory of Marian L. Block: Darian Hadjiabadi, Gwendolyn Lamothe Thomas W. Chornoby Memorial Scholarship: Shawn Durrant Darrell Fennell Memorial Scholarship: Christopher Iadarola Dr. and Mrs. Nathaniel Finby Memorial Scholarship: Celerina Dreher Frank Richardson Memorial Scholarship: Robert Ringeisen Morris A. “Darby” Gibbons Memorial Scholarship: Elizabeth Sockol J. Blaine Howard Memorial Scholarship: Noelle Adams Ralph Leonard Family Memorial Scholarship: Scott Moore, Vishal Patel, Emma Rodriguez William L. Marine Memorial Scholarship: Rashad Page Tyrone McGriﬀ Memorial Scholarship: Caricea Smith Kenneth H. McKnight Memorial Scholarship: Sydney Koestoyo, Natasha Stewart Margaret McReynolds Memorial Scholarship: Josuaire Pierre James Perry Memorial Scholarship: Olivia Shadis Richard C. Moore Memorial Scholarship: Jade Flores Hanna P. Salsburg Memorial Scholarship: Kirstie Altman Jay Sibson Memorial Scholarship: Jesus Moreno, Alexander Sechen Mary Hope Smathers Memorial Scholarship: Melissa Philo, Emily Sweeny Dr. (Hon.) Stanley Steyer and Diana Mary Steyer Award: Jileen Bray Lewis Stanley Whitaker and Myrna Newell Whitaker Scholarship: Zachary DeVirgilio, Kandace Trodglen Ellery, Jacqueline, and Frank Winters Scholarship: James Coyle Charles and Virginia Wollenzin Memorial Scholarship: Brett Sonzogni

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Children’s Theatre Spring Fiesta connects kids with performing arts VERO BEACH NEWSWEEKLY

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A pirate doing magic, a fun bounce House, face-painting clowns making balloon animals and much more wowed the children (and the parents too) who came to Riverside Children’s Theatre Spring Fiesta on Saturday. This is the 11th year of the event and it is completely free to the public as a gift from the Theatre to Indian River County. Linda Downey, the head of the Children’s Theatre, said that the Spring Fiesta began when the McCabe Foundation wanted to honor Agnes Wahlstrom, whom the Theatre was named after, by donating a special grant. The Theatre requested to put it towards an annual event that was free for families to enjoy so they could learn about the Children’s Theatre activities and participate in the events held there. The ensemble who performed under the direction of Kevin Quillinan and Angelo Cerniglia were just a part of the larger group of students at the RCT. Many of them sing, dance and act in the shows. What is special about the Children’s Theatre is that try-outs are open to all children. Every hour on the hour a new performance began to entertain the audience. Everyone was thrilled with the student showcase: the “Salsa Cinderella” puppet show; “Mr. Bones Pirate Magic Show;” a One Truck Circus and a performance of “Rapunzel.” If all of that were not enough for one day, the kids had their faces painted in intricate designs by Robin Eurich and Tiﬀany David or were “ballooned” by Bacon the Clown and Cheese the Clown, (Mike and Cassidy David) and then leaped in the air in the bounce house. It was a family event that the children surely will not soon forget. Riverside Children’s Theatre is the educational and youth-oriented arm of the Riverside Theatre, Inc. Begun in 1980 by a group of Vero Beach parents with the goal

PHOTOS BY CHRISTINA TASCON

Mr. Bonz Pirate Magic Show played to a packed house as children were asked to help assist with the shipside magic.

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Linda Downey and Adam Schnell take a seat at the bounce house the kids enjoyed.

to provide cultural enrichment opportunities for their children, the program aﬃliated with the Riverside Theatre and grew under its auspices. Programs and services include after school and summer instruction in the performing arts, opportunities for local youth to participate on stage and back stage through in house productions, presenting professional, age appropriate theatre to children and their families, and community based outreach and scholarship programs to under served populations. The mission of the Riverside Children’s Theatre is to assist in the personal develop-

ment of the individual child through the unique educational value of the performing arts experience, fostering the life long joy of live theatre. One of its major goals is to make its programs accessible to at-risk youth. This is accomplished through a multi-faceted approach that includes in-school performances and classroom workshops oﬀered at no charge to local schools; after-school drama and dance enrichment programs; and a scholarship program that provides ﬁnancial assistance to qualifying students. For more information, call Director of Education Linda Downey at 772-234-8052.

Kristin Kelly, MD Board Certified Family Practice

Dr. Kelly provides primary and urgent care services, no appointment necessary, and accepts most insurances.

OPEN 7 DAYS A WEEK Monday-Friday 8:30am-5:00pm Saturday & Sunday 8:30am-2:00pm

2050 40th Avenue, Vero Beach, FL

772-564-0175 www.urgentcarewest.com

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PHOTO BY CHRISTINA TASCON STAFF PHOTO Pro-stage Ensemble - Top row left -right: Angelo Cerniglio, Nicole Borisenko, Megan Taylor Callahan, Lilla Stawara, Sean

Olivia Hawkins

Castro & Kevin Quinnilan. Bottom row: Pattrick Schlitt, Hanna Cole, Taylor Beckmann, & Allison Leavitt.

STAFF PHOTO

A clown entertains the audience.

LET ME RENT YOUR PROPERTIES! SUSAN BELMONT POWELL REALTOR庐 Rental Specialist

DAVID WALSH &ASSOC! REAL ESTATE 800 20th Place, Suite 5, Vero Beach, FL 32960 路 Office (772)234-3450 路 verorents.com

STAFF PHOTO

Even older kids got balloon headwear.

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What Klaus Schwanitz enjoys most about his job is that he fixes problems for people. Schwanitz, who, along with his son Jurgen, owns ACT Computers on U.S. 1, understands that people are tied to their computers in ways that even they don’t understand and when something goes awry his company must restore order as quickly as possible. “We take a really personal approach with our customers,” Schwanitz said. “We don’t sell what is on the shelf and will bring us the most profit. We want to be proud of what we do so we take time to find out what are the needs of our customers. Our company is about solving problems, not very often do people come into the store and say everything is fine.” The 60-year-old Schwanitz has cultivated a careful path to success, starting out in 1995 with a 500-squarefoot shop and as his customer base and needs grew, expanded over time to his current 3,500-square-foot shop that serves about 1,000 customers a month. What may be most unique about ACT Computers is that even in the heady dot-com days when all things computer related were considered pure gold, he lived within his means and expanded as he had the cash on hand to pay his bills. “We want to always be there for our customers,” he said. “Some of our competitors have grown too big to do that.” Schwanitz came to the U.S. from Cologne, Germany, where he built data processing centers throughout Europe. His work eventually took him to the United States and after getting out of the business he settled with his family in Vero Beach. Schwanitz started the company to help build a nest egg for son Jurgen, then a teenager working for another computer store and unhappy with the way that business was operating. The elder Schwanitz suggested to his son there was a better way to treat customers and ACT Computers was born. The father-son team has now expanded to eight fulltime employees and has been making customers happy ever since. It is that combination of careful, considered growth joined with great customer care that has made ACT Computers such a success. He has had chances to expand and even franchise the business, but that is not Schwanitz’s style, he is that rare commodity in the geeky world of computers, a people person. “We had people who wanted to invest in us and maybe do franchises and we have looked at other locations,” he said. “But at the end of the day I want to know we can

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ACT Computers wins with slow, steady growth, customer care

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Klaus Schwanitz, left, and his son, Jurgen, have been in business with ACT Computers at the same location since 1995.

do everything we promise and when you get too big you can’t always do that.” He takes great pride in listening to what his customers want and then building in-house (except for notebook computers) just what they need. While ACT Computers oﬀers an insurance plan, he actually discourages customers from buying it. “We tell the customer, your hard drive is guaranteed for three years, your motherboard has a three-year warranty, your Intel processor has a three-year warranty, your memory has a lifetime warranty,” he said. “At the end of the day what are you covering? A case and a power supply fan at $150 a year? You are buying something you already have. You are better oﬀ calling us if you have a problem and saving that money.” All the expansions at ACT Computers have been based on the company bank account. Schwanitz shuns taking on debt as much as possible. Whether it is expanding his shop or buying a van for on-site servicing, Schwanitz prefers to make those moves with cash on hand.

“We don’t borrow money,” he said. “We don’t ﬁnance anything. If we can’t aﬀord to buy our service trucks then we shouldn’t have them.” Schwanitz has hundreds of local businesses that he serves and his expectation is that he can get most customers back online quickly. “I would say 95 percent of the computers or systems we look at are back up and running within 24 hours,” he said. “We know that is very important to our customers.” It is the understanding that time is money which has Jim Wilson, the parts manager at Don’s Imports on 43rd Avenue, a returning ACT customer. “I am the in-house IT (information technology) guy and as our business has grown and the complexity of what we need to conduct business has grown, our IT needs have gone beyond my capability,” he said. “Now we have a much more involved network that is integrated with our departments and ACT has been instrumental in helping set us up with that. “They are so reliable, I call them my easy button.”

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Want to give Bill Penney a birthday gift? Help him support the Red Cross with pledges as he prepares to roll a double-marathon June 4. Fifty-five years. Fifty-five miles. Fifty-five dollars. Fifty-five is the magic number for Bill Penney, who celebrated his – you guessed it! – 55th birthday on May 22. In keeping with a tradition he started for his 50th birthday milestone, Penney is going to skate 55 miles to raise money for a local nonprofit. A nasty cold prevented Penney from accomplishing his feat on his birthday, so he has rescheduled it for June 4. Skating his age in miles was something Penney began when he turned 46, and when he reached the 50-year milestone he added a new component to it: skating for a charity. Five years ago he raised more than $5,000 for the United Way of Indian River County, for which he was co-chair of the fundraising drive that year. “It’s fun,” Penney said. “It’s kind of silly, and it’s a small amount of money, but it’s something I care about.” This year the beneficiary is the American Red Cross North Treasure Coast Chapter. “I’ve long admired the great work of the American Red Cross in our community and across the country, so it wasn’t difficult to decide to skate for them this time around,” Penney said. As the president and CEO of Marine Bank & Trust Co., headquartered in Vero Beach, Penney will trade out his usual “banker’s suit” attire for a bike shirt, shorts and roller blades, capped off by a helmet and complete with a side mirror so he can see oncoming traffic behind him. Inline-skating for charity is unusual, but not unheard-of. Last year, Chris Lomen skated

4,000 miles from Minnesota to Maine and all the way down to Key West, going about 50 miles a day. Lomen grew up playing hockey, so he’s always been an avid skater. But this wasn’t just a sightseeing trip for Lomen. He was doing it as a fundraiser for Outreach International. The goal: to help rebuild eight to 10 of the 20 or so schools that were destroyed by the earthquake in Haiti last year. The big day is June 4 and Penney will be skating along SR A1A, beginning at 6 a.m. (weather permitting). He estimates that it will take about six hours to complete the trek, and the American Red Cross is all set to provide relief supplies along the way. Although the hard work is being done by Penney, it won’t be a success without community support. Pledges per mile (or flat pledges) are now being accepted, with a $1 per mile minimum suggested (amounting to $55, of course). Checks may be sent to the American Red Cross, 2506 17th Ave., Vero Beach, Florida, 32960, or secure online donations may be made through www.pbtcredcross.org/skate55. “This is such a unique and unexpected fundraiser for us,” said Sarah Tippet Ruwe, CEO of the American Red Cross North Treasure Coast Chapter. “We are thrilled that Bill decided to include our organization in the fun this time around!” The American Red Cross shelters, feeds and provides emotional support to victims of disasters; teaches lifesaving skills; provides international humanitarian aid; and supports military members and their families. For more information about Bill Skate 55 or the services of the American Red Cross, call (772) 5622549.

STAFF PHOTO

Bill Penney glides along on his inline skates in the sunshine.

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The adjustable-rate mortgage is making something of a comeback. Those mortgage instruments considered one of the leading culprits in the real estate collapse are making a return though with tighter controls from lenders who are taking greater care that borrowers understand and would be able to withstand the risks involved with signing for a mortgage where the interest rate can vary. At its most basic, and that is where these 2011 ARMs are returning, banks offer loans at a lower interest rate for 3-, 5-, or 7-year terms that then reset based on whatever index is being used over the rest of the life of the loan. Gone are such exotic ARMS as the one that needed no money down, lasted for two years and then adjusted monthly over the next 28 years. Instruments such as that along with others like it eventually turned into the toxic loans that homeowners could no longer afford to pay and banks were forced to carry on their books leading to failures to institutions large and small, including our own Riverside Bank last year. But back in the day, ARMs were all the rage, accounting for 40 percent of the home-purchase market in 2004. Then came the crash and just two years ago ARMs were used in just 3 percent of the home mortgage transactions, according to figures put out by the federal government’s home mortgage corporation, Freddie Mac. In a study released earlier this year Freddie Mac was predicting by the end of 2011

ARMs could account for 9 percent of the home-purchase market. “I have some people who are asking for 5-1 ARMs,” said Greta Pierpoint of the beachside-based Academy Mortgage. “The reason being, the rates are ranging between 3 1-4 and 3 3-4 percent, which is a much more favorable rate than the 30-year fixed mortgage even those rates are very low as well. However, the people taking them are not your first-time home buyers or retirees on a fixed income. They are people who really feel in five years they can pay it off or substantially buy it down or know they are going to be selling within the next five years.” Locally, cash remains king in a majority of the high-end home purchases and with interest rates so low many home buyers that are taking out a mortgage are going with a 30-year fixed mortgage. “Some of the more sophisticated borrowers, who know they are only going to be in a home three or four years are asking for the ARM products,” said Mary Cone, Vice President of Mortgage Banking at Marine Bank and Trust. “But at least at our bank we are not seeing a lot of people asking for ARMs, they are seeking the stability of knowing what their rates are going to be over the life of the loan.” Pierpoint also notes that after the crash there is a different kind of home buyer in the market. Gone are the speculators using whatever cash they could get their hands on to flip a home, replaced by buyers who are looking for a place they can call home. “They fell out of favor because people that

are buying now are saying they are looking at real estate for the long term now,” she said. “They don’t want change, they want to know they can aﬀord their payments.” According to the National Association of Realtors, the median home ownership is now eight years, up from just six years in 2007. But NAR spokeswoman Stephanie Singer told AOL Real Estate blogger Ann Brenoﬀ a recent study found most recent buyers saying they intend to live the next 10 years in the home they just bought. The government has also changed the way it is qualifying borrowers interested in an ARM. Before all you needed was a pulse, but now the guidelines have become much stricter and you must qualify at 2 percent above the initial interest rate. “You pretty much can’t do it now without putting 20 percent down,” Pierpont said. “And for about the last year we have been using a 2 percent increase on the qualifying payment to make sure if there is any sort of adjustment the borrower can handle it.” There has been one interesting anomaly with the slide in real estate and the overall hit in the economy. A few years ago, owners were forced to walk away from homes because once the ARM adjusted their monthly mortgage payments skyrocketed beyond their ability to pay. Now with interest rates so low, as adjustable rate mortgages are re-setting home owners are actually being set up with lower payments. “There is continuing downward pressure on rates while the economy continues to struggle,” said Chris Pensch of CenterState Bank. “The 10-year tTeasury yield has

decreased from about 3.7 percent to 3.1 percent over the last several months.” Pensch noted the 10-year Treasury is a good barometer for the long-term fixed rate mortgage. “But we feel that rates may start to increase sometime next year as the economy picks up steam,” he added. Pensch said some lenders have actually started putting in a floor on some of their consumer products, such as home equity credit lines. For the moment, most long-term ARM products used to acquire properties do not have floors. This is primarily to ensure the ability to sell mortgages to other investors. In fact, CenterState only offers ARMs and short-term fixed rate products for loans it underwrites and holds in it’s own portfolio. “While borrowers prefer a long-term fixed rate product, we’re finding that many times the loans will not qualify for sale in the secondary market, often due to appraisal issues,” Pensch said. “To meet secondary market appraisal requirements set by Fannie Mae and Freddy Mac, the appraiser must attempt to locate three sales within the last six months, within a one mile radius to the subject property, similar in size design, age, and appeal. That can present real challenges with sale prices having been affected with foreclosures and short sales. The end result is we’re able to accommodate a larger percentage of the purchaser’s needs by offering mortgage products to be held in our own portfolio.”

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BY IAN LOVE

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3% VERO BEACH NEWSWEEKLY

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Recently derided, adjustable-rate mortgages gaining favor

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jDPKTD _K9O? lTHHO6 Cast iron skillet might bring your man back into the kitchen With Father’s Day approaching, I thought I would move back into the kitchen and tell you about one of my favorite tools – the cast iron skillet. If the man in your life is the kind that only cooks when he’s outdoors at the barbeque, this simple, inexpensive gift may lure him into the kitchen, and allow him to turn out some restaurant-quality steaks, poultry and fish, all without taxing his brain too much. First, understand that I am not a part of the retrofringe crowd that believes that cast-iron is the answer to every culinary task. In fact, in my view, a cast-iron skillet isn’t good for much. Vegetables turn out dull and gray, eggs get stained and never turn out quite right, and you don’t want to cook tomatoes or other high-acid foods in unprotected iron. But a cast-iron skillet is very good for one thing – pan roasting. Simply put, that means starting to cook something, some meat at a very high heat on the stove, and then finishing it in the oven at a moderate, gentle temperature. This results in a perfect sear on the outside, and a uniform juicy doneness throughout. Let’s run through the permutations. CHICKEN As with all meat, you should always choose to panroast chicken “on the bone” when possible. The results are simply better -- juicier, tastier. So start easy. Take two breast quarters on the bone (preferably at

room temperature), rub on a bit of olive oil, dust with salt and pepper, and sprinkle fresh rosemary sprigs on the skin side. Now, preheat the oven to 350 degrees, and place your castiron skillet on the biggest stove-top burner you have, cranking the heat all the way up. While you’re waiting for the pan to heat fully, take a minute to turn the kitchen vent on high, open the windows, and cover the fire alarm. There will be a fair amount of smoke. If you have an outdoor burner, now would be a good time to use it. When it’s time to start, stay calm. There will not be much to do. Simply place the two breasts skin side down on the pan and take a step back. The resulting smoke and sizzle will be dramatic, but don’t panic. The chicken will not burn. It will simply develop a delicious crust. After a minute or so, you will begin to smell the rosemary and the caramelization of the chicken skin, and that’s when you make your move. Using tongs, simply flip the breasts, and chuck the entire pan in the oven, taking care to remember that the pan handle is wicked hot.

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NICK THOMAS

When you judge that the chicken is done (or, preferably, just shy of done), do two things. Remove the breasts from the pan and place them skin side up on a plate to rest. Then wash the cast iron skillet right away, using only cold water and a scrubber, never soap of any kind. If something sticks when the pan is relatively new, try scrubbing it with salt. This is the only trick you need to know. STEAKS AND CHOPS It’s basically the same drill, though with steaks such as ribeyes or T-bones, I don’t even bother with the olive oil since there is already plenty of fat in the meat. And here, it’s even more important to not touch the meat when it’s searing on the stovetop until you’re sure a nice crust has formed. FISH Here, I go back to using a bit of olive oil, and I go easier on forming a crust while at the stove top since fish cooks so quickly. Just a nice browning is enough. Gentle is the watchword here. Remember that a cast-iron skillet does better with just one master. If it belongs to dad, give it a place of honor in the cabinet, and don’t touch it. The man and the skillet will form a beautiful working relationship over the years. Nick Thomas is a lawyer and certified family mediator. Reach him at nthomaslaw@comcast.net.

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Community Calendar

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MONDAY, MAY 30

TUESDAY, MAY 31

WEDNESDAY, JUNE 1

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SATURDAY, MAY 28

To submit your calendar listing please email: verobeachnewsweekly@gmail.com

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and a pass-in-review of color guards. May 30: 5K Memorial Day Freedom Run/Walk to beneﬁt the Senior Resource Association of IRC. Registration 5:15am, race starts at 7:15am. Riverside Park, Vero Beach. $20 per runner in advance, $25 on race day. 772-569-0760 x102. May 30: Second Annual Memorial Day Service hosted by the National Navy and Fort Pierce UDT-SEAL Museum. 10am. Honoring all service men and women lost while serving. Fort Pierce. 772-595-5845 May 31: Author event at Vero Beach Book Center. Karen White presents The Beach Trees. The Vero Beach Book Center and Children’s Store is located at 2145 Indian River Blvd., Vero Beach. Information: 772-569-2050 or visit www. VeroBeachBookCenter.com June 4: Join us for a fun-ﬁlled night of dancing, tropical cuisine and island-style rhythms from Gypsy Lane. Saturday June

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May 27: Master’s Academy welcomes Tim Tebow, Heisman Trophy winner for the University of Florida. 7pm, doors open at 6pm Tickets at www.mastersvb. org, or call 772-794-4655. May 29: “Underneath The Stars” White Party, 6:30pm-10:00pm at Heaton’s Reef Pool Deck, Vero Beach Hotel & Spa. Attire: White preferably. $20 per person, includes buﬀet and choice of one signature red, white or blue cocktail. BBQ Chicken, Burgers, Hot Dogs, Sausage & Peppers, Local Greens Salad, Baked Beans & Macaroni Salad. 772-469-1062 May 30: Memorial Day Ceremony at Veterans Memorial Island, 9am, featuring Vero Beach High School band, keynote speaker Col. Pete Peterson (USA Ret.), who is a published author and retired Johns Hopkins University professor; the laying of a wreath to honor those who have fallen in service to our country,

THURSDAY, MAY 26

PHOTO SUBMITTED BY BRIAN MADIGAN

South Beach Park – May 14th

4th, 2011 – 7-11pm Tickets: $60 before June 1st ($70 thereafter). Proceeds to provide summer camp scholarships and year round programming for the children of Youth Guidance. 772-770-5040 June 3-4: The 7th Annual Offshore Big 3 Fishing Tournament to benefit Hibiscus Children’s Center will be held Friday and Saturday, June 3 and 4 at the Ft. Pierce City Marina. The tournament will again coincide with the downtown festivities of Friday Fest and the popular Saturday morning Farmers Market. Anglers must bring their catch by boat to the Ft. Pierce City Marina. Weigh-in begins at 3 p.m. and ends at 5 p.m. For information about the tournament, call Angela Astrup at 772-978-9313 x. 313. June 11: Vero Beach Theatre Guild Genie Awards, 6-9pm, Elks Lodge 1350 26th Street Vero Beach. June 11: The Oceanside Business Association Sunset Saturday Night Concert Series presents a Beach Blanket Sock Hop with music by the Beach Cruisers. 6:30-9:30pm at Humiston Park on Ocean Drive in Vero Beach. Our featured charity is our local Youth Guidance program. For more information: facebook us at Oceanside Business Association, or online at www.VeroBeachOBA.com. Every Sunday: Join us at the Sunday Market every week from 9am-2pm in historic downtown Vero Beach at the corner of 14th Avenue & 21st Street. Vendor information: Booth rental fee is $25/week. To register or for more information, contact Eric Hessler by email: eric@mainstreetverobeach.org or call the Main Street office at 772-480-8353

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Through May 22: The Vero Beach Theatre Guild presents Leading Ladies, a comedy by Ken Ludwig. 2020 San Juan Avenue, Vero Beach. To purchase tickets, contact the Box Oﬃce at 772-562-8300. Through May 28: Gallery 14 presents “Life Through Our Lens,” an exhibit featuring Vero Beach High School advanced photography students, grades 11 & 12. All proceeds will go to the Hibiscus Childrens’ Center in Vero Beach. Also, featured will be works in oil, acrylic, watercolor, graphite, collage, pastel, mixed media, jewelry and photography by Gallery 14 partner artists. TuesdayFriday 10am-5pm, and Saturday 10am2pm. Closed Sunday & Monday. Located at 1911 14th Avenue. For information please call 772-562-5525 or visit www. gallery14verobeach.com Through June 11: The Vero Beach Museum of Art presents “Celebrating 25 Years: Sculpture from the Permanent Collection.” (Admission to general exhibitions and education wing exhibitions is free. For some special exhibitions, a variable admission fee will apply. Members and young people 17 years of age and under attend all exhibitions free of charge. Donations are welcome.) 772-231-0707. Through July 14: Indian River County Courthouse Vero Beach Art Club Member Exhibition, 2000 16th Street, Vero Beach Monday-Friday 9am-5pm. May 26: At 6pm the Intrepid Art Gallery at Pelican Plaza in Vero Beach will celebrate its third Opening Solo Exhibition, “Art Sonata in 3D Minor” with mixed media artist David Diaz. On June 18th at 5pm the Intrepid Art Gallery will celebrate with a special performance event at the beach at Vero Beach Surf Hotel to close the exhibition.

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Obituaries Marvin Chaffee Marvin R. Chaﬀee, 79, died May 15, 2011, at VNA Hospice House. He was born in Jacksonville, N.Y., and lived at the Arbors at Pointe West since January. He returned to Vero Beach after living in San Diego to be closer to his family. Survivors include wife, Jean. Memorial contributions may be made to VNA Hospice of Indian River County, 1110 35th Lane, Vero Beach, FL 32960. Arrangements are by Thomas S. Lowther Funeral Home and Crematory, Vero Beach.

Miriam Plans Miriam Lubitow Lee Plans, 95, died May 14, 2011, at VNA Hospice House. She was born in Brooklyn, N.Y., and lived in Vero Beach for 31 years, coming from New York City. She was preceded in death by her brother, Meyer Lubitow. Memorial contributions may be made to the Humane Society of Vero Beach and Indian River County, P.O. Box 644, Vero Beach, FL 32961. Arrangements are by Thomas S. Lowther Funeral Home & Crematory in Vero Beach.

James W. Young Sr. James W. Young Sr., 81, died May 18, 2011, at his home. He was born in Clendenin, W.Va., and lived in Vero Beach for 9 years, coming from his birthplace. He was a member of the First United Methodist Church in Clendenin. He was preceded in death by his wife, Billie Young; sister, Helen Pelton; and brother, Bobbie Young. Memorial contributions may be made to VNA Hospice Foundation, 1110 35th Lane, Vero Beach, FL 32960. CoxGiﬀord-Seawinds Funeral Home in Vero Beach.

Sylvia M. Williams Sylvia M. Williams, 49, died May 15, 2011, at her home. She was born in Savannah, Ga., and lived in Vero Beach for 25 years, coming from Philadelphia. Survivors include her husband, Kenneth Williams of Vero Beach. Memorial contributions may be made the VNA Hospice Foundation, 1110 35th Lane, Vero

Beach, FL 32960. Arrangements are by Cox-Giﬀord-Seawinds Funeral Home & Crematory in Vero Beach. A guestbook is available at www.coxgiﬀordseawinds. com.

Christine E. Ellison Christine E. Ellison, 87, of Vero Beach, FL died Wednesday, May 18, 2011 at home. Ms. Ellison was born October 10, 1923 in Sharon, PA and moved to Vero Beach in 1986 from Sharon, PA. She was a member of Immanuel Church in Vero Beach. Survivors include her daughters Sharon Theriault of West Lafayette, IN, Toni Morath of Kauai, HI and Margie MacFarland of Vero Beach. Memorial contributions may be made to the VNA/Hospice Foundation, 1110 35th Lane, Vero Beach, FL 32960. Arrangements are under the direction Cox-Giﬀord-Seawinds Funeral Home & Crematory, Vero Beach, FL. Condolences may be sent to www.coxgiﬀordseawinds.com

John C. Webb, Sr. John C. Webb, Sr., 87, of Vero Beach, FL, died May 18, 2011 at Indian River Medical Center, Vero Beach. Born in Somerville, MA, he had been a resident of Vero Beach for 18 years coming from Hopewell Junction, NY. He attended the First Presbyterian Church of Vero Beach. He was preceded in death by his wife of 64 years, Dolly Webb, who died in July 2010. Arrangements by the Strunk Funeral Home of Vero Beach.

Walton C. Gagel Walton C. Gagel, 78, of Vero Beach, FL., passed away Monday, May 16, 2011 at Indian River Medical Center, in Vero Beach, FL. Mr. Gagel was born in Maspeth, New York on September 14, 1932. Survivors include his son, Walton S. Gagel of Los Angeles, CA; sister, Rosemarie MacDowell of Woodside, NY; and wife, Saloi Gagel of Vero Beach, FL. Arrangements are under the direction of Cox-Giﬀord-Seawinds Funeral Home and Crematory, Vero Beach, Florida.

Robert (Bob) Frederick Hawkins Robert (Bob) Frederick Hawkins, age 84, of Vero Beach, passed away May 5, 2011 at the VNA Hospice House in Vero Beach after a short battle with Lung Cancer. Bob was born in Hempstead, New York. He moved his family to Vero Beach in 1971. Bob is survived by his wife Eleanor (Ellie). Bob was a member of The Community Church of Vero Beach. In lieu of ﬂowers donations can be made in his memory to The Community Church of Vero Beach or at www.ccovb.org. or the VNA Hospice House in Vero Beach.

Rosemary Daggett Rosemary Anne Hall Cragin Daggett, 79, died May 18, 2011, at Indian River Medical Center in Vero Beach. She was born in Chicago and lived in Vero Beach for 28 years, coming from Syracuse, N.Y. She was a member of Christ by the Sea United Methodist Church and was a church school teacher and director. Survivors include her husband of 28 years, James L. Daggett. Memorial contributions may be made to Indian River VNA Hospice, 1110 35th Lane, Vero Beach, FL 32960. Arrangements are by All County Funeral Home & Crematory in Stuart.

Neil Bezner Neil S. Bezner, 51, died May 12, 2011, at his home. He was born in Rahway, N.J., and lived in Vero Beach since 1993, coming from Colonia, N.J. He was a member of the Second Presbyterian Church of Rahway. Memorial contributions may be made to the American Diabetes Association. A guestbook is available at www. pettitdavisfuneralhome.com.

Eddie House Eddie House, 57, died May 18, 2011, at Indian River Medical Center in Vero Beach. He was born in Cincinnati and lived in Vero Beach for 54 years, coming from his birthplace. He was preceded in death by his father, Letcher House. Memorial contributions may be made to American Heart Association, P.O. Box 840692, Dallas, TX 75284. Strunk Funeral Home, Vero Beach. A guestbook is available at www.strunkfuneralhome.com.

Patricia Shutack Patricia Carolyn Shutack, 82, died May 16, 2011, at the Indian River Medical Center in Vero Beach. She was born in Hoboken, N.J., and was a winter resident of Vero Beach for 20 years, coming from Burr Ridge, Ill. Survivors include her husband, John Shutack. Memorial contributions may be made to the Providence St. Mel School, 119 S. Central Park Blvd., Chicago, IL 60624-2998. Arrangements are by Cox-Giﬀord-Seawinds Funeral Home and Crematory in Vero Beach.

Mary Gilbert Mary Elam Roorbach Gilbert, 95, died May 18, 2011, at Indian River Medical Center in Vero Beach. She was born in Indianapolis and lived in Vero Beach for 33 years, coming from Wilton, Conn. She was a member of the Vero Beach Garden Club and Vero Beach Yacht Club and was one of the founding members of the Center For the Arts in Vero Beach. She was preceded in death by her ﬁrst husband, Howard Roorbach; second husband, Robert Gilbert; and brothers, John Elam and James Elam. Memorial contributions may be made to the ACTS Retirement-Life Communities, Indian River Estates West Employee Catastrophic Assistance Fund, 375 Morris Road P.O. Box 90, West Pointe, PA 19486.Thomas S. Lowther Funeral Home & Crematory in Vero Beach. A guestbook is available at www.lowtherfuneralhome.com.

Patricia Jackson Patricia Jean Jackson, 67, died May 19, 2011, at the VNA Hospice House in Vero Beach. She was born in Arcadia and lived in Vero Beach for more than 50 years, coming from her birthplace. She was of the Methodist faith. Survivors include her husband of 36 years, Marshall Jackson of Vero Beach. Memorial contributions may be made to the VNA/Hospice Foundation, 1110 35th Lane, Vero Beach, FL 32960. Arrangements are by Cox-Gifford-Seawinds Funeral Home & Crema-

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OBITUARIES

Robert Hawkins Sr. Robert “Bob” Frederick Hawkins, 84, died May 5, 2011, at the VNA Hospice House in Vero Beach. He was born in Hempstead, N.Y., and lived in Vero Beach since 1971. Survivors include his wife, Eleanor “Ellie” Hawkins. He was preceded in death by his wife of 40 years, Joan Hawkins. Memorial contributions may be made to Community Church of Vero Beach; ccovb.org. Arrangements are by Indian River Cremation.

Austin Wright Austin A. Wright, 95, died May 19, 2010, at Palm Garden of Vero Beach. He was born in Hightstown, N.J., and lived in Vero Beach for nine years, coming from his birthplace and Ocean County, N.J. He was preceded in death by his wife, Mary Wright. Arrangements are by Thomas S. Lowther Funeral Home and Crematory, Vero Beach. A guestbook is available at lowtherfuneralhome.com.

Thomas Arena Thomas A. Arena, 73, died May 21, 2011, at Indian River Medical Center. He was born in New York City and lived in Vero Beach for 32 years, coming from Oradell, N.J. He was a veteran of the Army. He attended St. Helen Catholic Church, Vero Beach. Survivors include his wife of 48 years, Doris Arena. Memorial contributions may be made to St. Jude Childrens Research Hospital, 501 St. Jude Place, Memphis, TN 38105. Thomas S. Lowther Funeral Home & Crematory. A guestbook is available at lowtherfuneralhome.com.

Beverley Carter Lewis McCully Lewis Clair McCully, 73, died May 18,

N E W S W E E K L Y

Marilyn R. Hamilton, 64, died May 18, 2011, at the Indian River Medical Center in Vero Beach. She was born in San Francisco and lived in Vero Beach since 1998, coming from Lodi, Calif. Arrangements are by Cox-Giﬀord-Seawinds Funeral Home and Crematory, Vero Beach. A guestbook is available at coxgiﬀordseawinds.com.

B E A C H

Marilyn Hamilton

Service Directory

Beverley B. Carter, 61, died May 21, 2011, at her home. She was born in Johns-

V E R O

Jordan D. O’Brien, infant, died May 13, 2011. He was born in Tacoma, Wash. Survivors include his parents, Jason and Erin O’Brien of Vero Beach. Arrangements are by Thomas S. Lowther Funeral Home and Crematory in Vero Beach. A guestbook is available at www.lowtherfuneralhome.com.

Edward H. Pluemer, 94, died May 15, 2011, at Indian River Medical Center, Vero Beach. He was born in Chicago and lived in Vero Beach for three years, coming from Leesburg. Survivors include his wife of 71 years, Evelyn C. Pluemer of Vero Beach. Memorial contributions may be made to Disabled American Veterans, DAV Memorial Program, P.O. Box 14301, Cincinnati, OH 45250-0301. Arrangements are by Strunk Funeral Home and Crematory Vero Beach. A guestbook is available at strunkfuneralhome.com.

Jordan O’Brien

Edward Pluemer

H. Carter of Vero Beach. Memorial contributions may be made to the VNA and Hospice Foundation, 1111 36th St., Vero Beach, FL 32960. Arrangements are by Seawinds Funeral Home and Crematory in Sebastian. A guestbook is available at seawindsfh.com.

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David Arthur McMiniment, 76, died May 19, 2011, at the VNA Hospice House in Vero Beach. He was born in Waterloo, Iowa, and lived in Vero Beach for 15 years, coming from Atlanta. He was an active member of the Community Church in Vero Beach and member of the Vero Beach Country Club. Survivors include his wife of 55 years, Patricia McMiniment of Vero Beach. Memorial contributions can be made to the Community Church of Vero Beach, 2901 23rd St., Vero Beach, FL 32960. Arrangements are by Cox-GiﬀordSeawinds Funeral Home and Crematory in Vero Beach. A guestbook is available at www.coxgiﬀordseawinds.com.

town, Pa., and lived in Indian River Shores for 25 years, coming from Ocean City, Md. She owned the boutique at Capt. Hiram’s. She was a member of the Vero Beach Country Club and the O.C. Golf & Yacht Club in Ocean City. Survivors include her husband of 42 years, Martin

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David McMiniment

2011, at the VNA/Hospice House in Vero Beach. He was born in Vero Beach and lived in Vero Beach, coming from Cincinnati. He was a member of Kings Baptist Church in Vero Beach. Memorial contributions may be made to the VNA/Hospice Foundation, 1110 35th Lane, Vero Beach, FL 32960. Cox-Giﬀord-Seawinds Funeral Home, Vero Beach. A guestbook is available at coxgiﬀordseawinds.com.

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Real Estate

V E R O

B E A C H

N E W S W E E K L Y

M A Y

Barrier Island Real Estate Sales – May 12-May 18

Address 8835 Orchid Island Circle W, #602 8416 Oceanside Drive, F-11 2077 Ocean Ridge 4101 Ocean Drive, 2 D 5101 Highway A1A, # 202 9630 Maiden Court W 2165 Galleon Drive 8830 Sea Oaks Way S, #203 433 Silver Moss Drive, #204 3402 Mockingbird Drive 131 Park Shores Circle, #16E

Address: Subdivision: List Date: List Price: Sell Date: Sell Price: Listing Broker: Selling Broker:

116 Estuary Drive The Estuary 9/5/2010 $740,000 5/16/2011 $700,000 Dale Sorensen Real Estate Inc. Norris & Company

Address: Subdivision: List Date: List Price: Sell Date: Sell Price: Listing Broker: Selling Broker:

8791 Orchid Island Circle E Sea Oaks 2/1/2011 $719,000 5/16/2011 $700,000 Treasure Coast Sotheby’s Intl Phoenix Acquistions, Inc.

Address: Subdivision: List Date: List Price: Sell Date: Sell Price: Listing Broker: Selling Broker:

231 Seaside Pathway Mariner Village 2/8/2011 $699,000 5/12/2011 $660,000 Dale Sorensen Real Estate Inc. Dale Sorensen Real Estate, Inc.

Address: Subdivision: List Date: List Price: Sell Date: Sell Price: Listing Broker: Selling Broker:

2175 Periwinkle Drive Moorings 1/26/2011 $695,000 5/16/2011 $675,000 Dale Sorensen Real Estate Inc. Dale Sorensen Real Estate, Inc.

Address: Subdivision: List Date: List Price: Sell Date: Sell Price: Listing Broker: Selling Broker:

225 Ocean Way Seagrove 3/22/2010 $624,900 5/13/2011 $587,000 Palm Pointe Realty Norris & Company

Address: Subdivision: List Date: List Price: Sell Date: Sell Price: Listing Broker: Selling Broker:

4123 Silver Palm Drive Palms at Silver Palm 11/4/2010 $549,000 5/16/2011 $518,870 Alex MacWilliam, Inc. Dale Sorensen Real Estate, Inc.

Subdivision Sea Oaks Baytree Oceanside Oceanridge Ocean Shores Condo Harbour Island Club Old Orchid Windward Condo Sea Oaks South Village Vero Beach Estates Park Shores

List Date 3/3/2011 4/27/2010 11/26/2010 10/14/2010 10/7/2010 3/10/2011 4/10/2009 5/17/2010 10/15/2010 2/17/2011 4/5/2011

List Price $498,000 $474,900 $474,900 $399,900 $359,000 $315,000 $250,000 $219,000 $195,000 $159,900 $139,000

Sell Date 5/16/2011 5/12/2011 5/17/2011 5/18/2011 5/13/2011 5/13/2011 5/17/2011 5/18/2011 5/16/2011 5/12/2011 5/16/2011

Sell Price $475,000 $450,000 $360,000 $350,000 $272,500 $300,000 $225,000 $200,000 $160,000 $147,895 $139,000

Listing Broker Treasure Coast Sotheby’s Intl Dale Sorensen RE North Daley & Company Real Estate Seaside Realty of Vero Beach Alex MacWilliam, Inc. Norris & Company Lakeside Realty Treasure Coast Sotheby’s Intl Cliff Norris Real Estate Associated Home Solutions Rlty Dale Sorensen Real Estate Inc.

Selling Broker Treasure Coast Sotheby’s Intl. Dale Sorensen Real Estate, Inc. Dale Sorensen Real Estate, Inc. Seaside Realty of Vero Beach North Beach Realty, Inc. NMLS Moorings Realty Sales Co. Sea Oaks Real Estate NMLS Associated Home Solutions Rlty Dale Sorensen Real Estate, Inc.

Mainland Real Estate Sales – May 12-May 18 Address: Subdivision: List Date: List Price: Sell Date: Sell Price: Listing Broker: Selling Broker: Address 6235 55th Avenue 2032 Plainfield Drive SW 1110 Ansley Avenue SW 729 S Ocracoke Square SW 625 Glenview Terrace

Subdivision Eagle Trace Millstone Landing Ansley Kenwood Village Colonial Terrace

Address: Subdivision: List Date: List Price: Sell Date: Sell Price: Listing Broker: Selling Broker:

4860 Harbor Drive S River Village at Grand Harbor 11/30/2009 $1,050,000 5/12/2011 $950,000 Dale Sorensen Real Estate, Inc. Dale Sorensen Real Estate, Inc. List Date 12/29/2009 4/16/2011 5/11/2011 8/2/2010 5/5/2010

List Price $285,000 $259,000 $249,900 $239,000 $200,000

Sell Date 5/13/2011 5/18/2011 5/18/2011 5/12/2011 5/13/2011

Sell Price $293,970 $259,000 $247,500 $225,000 $200,000

Listing Broker Dale Sorensen Real Estate, Inc. Real Living All Florida Realty RE/MAX Premier Prop Showcase Dale Sorensen Real Estate, Inc. Coldwell Banker Ed Schlitt VB

1532 Erica’s Way Fischer Lake Island Subdivision 10/11/2010 $549,000 5/18/2011 $515,000 Treasure Coast Sotheby’s Intl Shamrock Real Estate Corp.

Selling Broker Dale Sorensen Real Estate, Inc. Norris & Company Dale Sorensen Real Estate, Inc. Dale Sorensen Real Estate, Inc. Norris & Company

Vero Beach NEWSWEEKLY 1801 U.S. 1 Vero Beach, FL 32960

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