REHS July 2008

Monthly Guide to Golfing, Fishing, Dining, Living & Buying & Selling Real Estate

The Southwest Florida

SHEETS

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July 2008

REAL ESTATE HOT SHEETS

Collier and Lee Real Estate Experts Opine on the “State” of Local Real Estate: Beyond the Bottom

Read how nine seasoned pros from various parts of the local real estate ecosystem answer these tough questions: (1) On a scale of one to 10, rate the state of the current local real estate market, together with an explanatory comment.

(2) Where do you see the local real estate market in 12-18 months?

(3) What is your firm doing to help speed market recovery?

Our esteemed panel of experts included: • Gary Dumas, The Bonita Bay Group, Estero • Denny Grimes, Denny Grimes and Company, Fort Myers • Pat Wilkins, ReMax Realty Results, Marco Island • Joe Belz, Prestige Properties, Naples • Kathy Zorn, Florida Home Realty, Naples • Gary Anderson, Coldwell Banker Residential Real Estate, Fort Myers • Will Dukes, Summit Mortgage, Naples • Mike Assaad, Waterside Builders, Naples • Tom Manring, Downing-Frye Realty, Inc., Naples

THE SUN, SEA & SAND SHEETS

Blooming Royal Poincianas Signal Snook Season

Captain Al Keller offers three proven ways to catch the ever elusive Snook. The Royal Poinciana tree has bright orange flowers and was the signal for Snook fishing by the old timers. The weather now is hot and humid with light breezes to keep cool. Afternoon thunderstorms lasting only an hour or so gives the ecosystem the important freshwater flow.

THE GOLF & GREEN SHEETS

Yabba Dabba Doo! Hitting the Greens at The Quarry

Charles Elig reviews one of the areas most exciting golf courses: “With a name like The Quarry, one would expect a bit of water, and one would be right. Hewn from the site of an original stone quarry abandoned in 1981, the spectacular golf course winds, links style, around the perimeter of the community’s centerpiece, a 230 acre recreational lake, presenting a very scenic challenge to the discerning golfer.”

A FREE PUBLICATION

plus ... the new LIFESTYLE & LIVING SHEETS FIREWISE: U.S. Forestry Interview

Learn what steps you can take to prepare your property in the event of a wildfire. In early June, Carty interviewed Mike Weston, CFA Senior Forester for the Florida Division of Forestry for Lee, Collier, Hendry Counties. “You see, I am a resident of Golden Gate Estates, and after the last wildfire, I was determined to find out how I could be better prepared in the future.”

TABLE TALK: The Naples Winery

Drinking Wine in Moderation. The Naples Winery has been a hot spot at Tin City since 2003.

Each month they will be writing a column on wine helping discerning readers understand the many wonders of drinking wine.

Medical PlainSpeak: Dr. Hiler

Dr. Hiler answers the question: “What is the difference between surgical decompression and Vax-D decompression?”

BEAUTY CORNER: Learn How to Protect Your Most Valuable Asset -- Your Face Mercy Shriner provides readers with a simple guide to good skin care.

ADVERTISE HERE: Tired of “Canardly?”

Try Advertising in The Sheets. Laurie Carty

will give you all the details if you call her at (239) 331-3540 or email to scarty111@hotmail.com.

Advertising deadline is Friday, August 1, 2008, for the August 2008 Sheets.

Discover a World of Opportunity

if you are an experienced real estate executive and you are looking to hang your license at a realty firm where you can earn 100% commission and be among the top performers in the market ...

then there is only one firm for you: Downing-Frye Realty, Inc. Downing-Frye agents have closed more transactions than any other firm in Collier county over the past 7 years.

Dowing-Frye provides extensive training, marketing (locally and on the Internet), access to in-house legal counsel and numerous other services designed to help the real estate professional.

We are a family of 635+ Agents dedicated to providing our clients with the finest and most comprehensive real estate services.

For a confidential interview, please call Mike Hughes at our Naples office 261-2244 (ext. 935)

or Jerry Bodart at our Bonita office 992-8711. The Downing-Frye family is always looking to grow!

Downing-Frye Realty, Inc.

In Naples: 3411 Tamiami Trail (239) 261-2244 In Bonita Springs: 27180 Bay Landing Drive #5 (239) 992-8711

www.downing-frye.com

The Southwest Florida Edition of

TM

REAL ESTATE HOT SHEETS The “State” of Local Real Estate: Beyond the Bottom Nine seasoned pros from various parts of the local real estate ecosystem were asked to evaluate the “State” of Real Estate. Real Estate Hot Sheets asked them to answer three questions: (1) On a scale of one to 10, rate the state of the current local real estate market, together with an explanatory comment. (2) Where do you see the local real estate market in 12-18 months? (3) What is your firm doing to help speed market recovery?

GARY DUMAS Bonita Bay Group Bonita Springs

DENNY GRIMES Denny Grimes and Company Fort Myers

PAT WILKINS ReMax Realty Results Marco Island

JOE BELZ Prestige Properties Naples

KATHY ZORN Florida Home Realty Naples

(1) On a scale of 1-10, we rate it an 8. Bonita Bay Group sales have nearly tripled for us this year; buyers realize the value of master-planned communities and that now is a terrific time to make an investment.

(2) I believe the market will continue to demonstrate improvement throughout 2009 and strong market conditions in 2010. Consumer confidence is projected to rebound after the November elections, so we’ll see a great deal of activity going forward. International buyers will continue to see value in our market, as well.

(3) To help speed market recovery, Bonita Bay Group is underwriting great incentives for buyers.

(1) On a scale of 1-10, the rating will vary, depending on your role. In Lee County, buyers rate it a 9 because this is one of the best buyer's market in two decades. Sellers are at the other end because they remember what they could have sold for. Most agents will rate it a 5 because growth takes work.

(2) If we could freeze the external environment (and gas prices), then we will be 12 to 18 months closer to equilibrium. SW Florida is lucky.

We do not have a demand problem. We have a supply problem. Collier will reach equilibrium before Lee. (3) To help speed market recovery, tell the truth. Tell sellers what they need to hear, not what they want to hear.

My comments reflect the Marco Island market, which should be of interest to the rest of Collier County because historically they follow us by about six months.

The market has turned for the better. Since the first of the year this year we have 870 closed and pending sales in homes, condos and lots. This compares to 655 in the same period in 2007 and 661 in 2006. The sold/pending volume is up and active listings have contracted. The reduction in active listings went from 2,420 in January of 2008 to 1,657 in June.

My firm is actively marketing to Canada, the United Kingdom and other areas where the exchange rate is favorable.

(1) On a scale of one to 10, I would rate it 10 if you are a buyer and 7 if you are a seller. We have been helping buyers get some fantastic deals and properties are selling if priced right.

(2) Where do you see the local real estate market in 12-18 months? Buyers are starting to realize this is the time to buy and it shows in the numbers of sales this year.

The market will continue to get better during the next 12 to 18 months but I don't think we see prices going up during that time.

(3) What is your firm doing to help speed market recovery? We are turning down overpriced listings!

(1) On a scale of one to 10, for Naples, I’d rate the real estate market at a 7 due to a four consecutive months upward trend in overall pending sales and 3 months consecutive increase in closed sales.

(2) Where do you see the local real estate market in 12-18 months? With key factors including lower taxes, portability of taxes, favorable interest rates and reduced inventory of new and re-sales we expect continued improvement and recovery.

(3) What is your firm doing to help speed market recovery? Pricing our listings competitively, marketing them aggressively, and building confidence in the marketplace with our Buyers and Seller.

GARY ANDERSON Coldwell Banker Residential RE Fort Myers

WILL DUKES Summit Mortgage Naples

MIKE ASSAAD Waterside Builders Naples

TOM MANRING Downing-Frye Realty, Inc. Naples

JOHN Q. PUBLIC Buyers and Sellers Collier and Lee Counties

(1) On a scale of one to 10, there are clear indications that homebuyers are back in numbers we haven’t seen in some time. Our May 2008 sales were 84% better than the prior year for Charlotte, Lee and Collier Counties.

(2) Although I cannot predict the future, I believe Fort Myers will remain an attractive market because of the high number of retirees who will relocate to Florida and find Fort Myers an affordable market.

(3) Coldwell Banker sales associates are educating sellers on the need to adjust their price according to current trends. This price positioning often generates offers from multiple qualified buyers which can start a bidding process and ultimately result in a more realistic market price for a property.

(1) On a scale of 1-10, we rate it an 7.5. There was a significant spike in showings at the end of our recent “season,” Early anecdotal evidence indicates surprising summer activity.

(2) I cautiously foresee normalized accommodations between buyers and sellers as early as Q1/Q2 2009 for Southwest Florida.

(3) As a lender, I cringe at inflammatory published accounts of a crisis in residential lending. For those not qualified, the pixie dust qualifications of 2005 have rightfully been eliminated. For those borrowers with high regard for their credit health but have only small down payments, residential lending remains vibrant and available with as little as 3% down payment.

(1) On a scale of 1-10, my rating would be 5.5. I think we have weathered a bad market and that "smart" money is now starting to buy up whatever inventories are available at good prices. We're very optimistic about the current real estate climate.

(2) In 12 to 18 months, I would suspect a noticeable increase in property values from today's numbers. Although I don't think they'll rise as quickly as they did in the past, they will escalate at an above average rate.

(3) We're actively trying to generate great product at a fair price in Naples' most sought after waterfront and downtown neighborhoods.

We're offering great terms on wonderful lots, with or without homes on them, in very desirable city neighborhoods in the best school districts.

(1) On a scale of 1-10, I believe the real estate market has improved from a rating of 2 to a 5. Pending sales are up 2-3 times what it was four months ago.

(2) Until the majority of the short sales and foreclosures are purchased the market will not return to normal. It will take a least twelve months to consume the inventory. The smart buyers will buy now before the market goes up.

(3) Downing-Frye’s broker, Mike Hughes, is making a concerted effort to get positive information to the powers to be at The Naples Dailey News and other local publications.

The positve articles are helping buyers understand they should jump into the market now.

Based on a random survey of 50 property owners in both counties: (1) On a scale of 1-10: Buyers 8.5; Sellers 3.5.

Buyer comments: • “If you are looking for a great, long- term investment, now is definitely the time to buy.”

• “Many more “deals” in Lee than in Collier.”

• “Rental properties are HOT, HOT, HOT.” Seller comments: • “Seems stablizied, but still very ‘iffy’.”

• “My concern is for sellers who are in some stage of foreclosure. Additional government intervention is necessary.”

• “Sold my property in 45 days, but at 15% less thatn I had planned.”

Page 04 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

Family Law Zoning Land Use Real Estate Probate Attorneys Founded in 1971, by Arthur V. Woodward, Woodward, Pires & Lombardo, P.A. was established as the first law firm on Marco Island.

In 1987 Woodward, Pires, & Lombardo, P.A. opened its second office in Naples and in 2001 moved into its current location.

The firm is uniquely qualified to assist clients with general litigation, family law, foreclosures, business transactions, corporate, limited liability companies and partnership formation, local, regional and governmental as well as regulatory issues, real estate litigation and transactional matters.

Naples Florida Office Marco Island Florida Office 3200 Tamiami Trail North, Suite 200 606 Bald Eagle Drive, Suite 500 Naples, Florida 34103 Marco Island, Florida 34145 Phone: (239) 649-6555 Phone: (239) 394-5161 Fax: (239) 649-7342 Fax: (239) 642-6402

Looking to Buy in Naples, Fort Myers, Estero and Cape Coral?

We’ve Got You Covered!

18233 Constitution Circle Fort Myers

21290 Braxfield Loop Estero

House Beautiful is what buyers would call this house. Circular paverbrick driveway. Oversized lot. Inside you'll see 20" tile on the diagonal, laminate wood floors, new kitchen cabinets, granite counter tops. Crown moulding throughout the house. New AC units in 2005. Roof will be replaced with full price offer. There is a non-permitted third bathroom which will be removed if it's an issue with buyer. Otherwise buyer must sign a hold-harmless document.

$249,900

Great CBS home in gated/golf community. Features cathedral ceilings, living & family rooms and an island kitchen. Tile and wood floors and new carpet just 2 years old. Belowground solar heated pool, built-in wet bar and a multi-purpose garage with A/C. This is a short sale with offers subject to bank approval. Please allow 30-45 business days for approval. Property is in great condition but is offered AS IS with right to inspect. "Short Sale Addendum must be submitted with offer - Hoa fees are also due on this property -- per seller 5-19-2008 -- These dues must convey to the buyer at closing.

$249,000

4580 54th Avenue, N.W. Naples

Picturesque home, across the street from a Lake setting, that will be a county park. The home's construction is as unique as the design itself. A Key West Style tin roof, not to mention all metal studs with outer metal plate, insulation is internal foam. Ceramic tiling, and a large back lanai for your pets.

A nice U shaped drive with landscaping is found in your front yard.

NOT A SHORT SALE. ***combo lockbox-- call office for code on lockbox.

$259,900

21290 S.W. 48th Lane Cape Coral

Nice home in a sought after area of Cape Corall. The neighborhood is far beyond what you would expect for this price of home. This 3-bedroom, 2-bath home has split bedrooms with custom closets and pocket sliders leading to the screened lania. You must really see this home to appreciate it! Property offered as a short-sale with all offers subject to lender approval which may require up to 45 business days, and any lendermandated commission reductions to be shared equally by both sides.

Property is in good condition but is offered AS IS with right to inspect.

"Short Sale Addendum Must Be Signed.�

Donna Zynel and Carlos Lopez

$125,000

(239) 470-0217 golfandgulfdonna@earthlink.net

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Mis-Manners…Bad Manners…No-Manners

Practical Solutions to Everyday Annoyances in the Real Estate World Dear Mis-Manners, Maybe I am overly sensitive, but I am really getting tired of being yelled at by listing agents for no good reason, let me give you an example of what I mean.

I have been working with a nice couple for a few weeks. They know our market is in somewhat of a “slump” and there are good deals available at very low prices.

In short, we have many motivated sellers out there.

We found the perfect home in their price range. The home appeared to be vacant even though there was some furniture scattered around. The home needed some updating, mostly cosmetic stuff like paint and carpeting. My Buyers wrote close to a full price offer but did ask for help with closing cost ,other than that we felt we had written a pretty clean offer. I called the listing agent to inform him that I was going to fax a copy of the offer to him and if he had any questions to give me a call.

Not more than five minutes after I sent the fax I received a phone call from the listing agent, the call went something like this … “ This offer is an insult! Do you want my Seller to give his house away?” then, “Immediate possession! you want to throw my Seller out in the street??” Then there was, “closing costs, you want us to pay closing costs! Don’t your people have any money to put down??

I said I was sorry he felt we had written such an unreasonable contract, but felt for the condition and comps in the area we thought we were in the ballpark. The parting remarks from the Listing Agent were, “ Well, I will present this offer to my Seller, but don‘t be surprised if it gets rejected.” The offer was accepted as written.

Next was the home inspection. There were a few items we felt needed to be addressed, one was a problem with some exposed wiring and another was leak in the bathroom. Again, another raging phone call …

“If your Buyer wanted a new house, why didn’t you show them new construction?” “What do you want us to do, tear this house down and build a new one?” And then, “Don’t your people realize no house is perfect?”

I explained I was working with buyers short on cash and these were warranted repairs that seller had virtually agreed to in the 1-1/2% agreement on the contract.

Buyers might want to do those repairs in the event they might have a fire or flood! The Listing agent said, “Don’t be surprised if this kills the deal.” The Seller agreed to do the repairs as written.

Mis-Manners, those conversations wore me out (there were more than just the two involving the offer to purchase and the home inspection). I could understand his frustration if we had written a lowball offer and asked for the moon at the home inspection, but my Buyers were very reasonable.

Why do some agents act like that? /Signed/ Emotional Wreck Dear Touchy, Mis-Manners sees nothing wrong in the actions of the Listing agent. That is exactly how I would have handled the situation ... NOT! Agents act like that because they are STUPID and RUDE. Period. Maybe that sounds a bit harsh, but if another agent is trying to sell one of your listings or has a listing your buyer wants purchase why would you want to be “trash talking” them?

Many years ago when MisManners began selling real estate, I was on the verge of a “hissy fit” because another agent had written a “low-ball contract asking for the moon and stars” on one of my listings. I was ready to call the other agent and read them the riot act.

An older and wiser experienced agent in my office looked me in the eye and said, “IT’S NOT YOUR PROBLEM.” “Of course it is my problem, my people need such and such amount to close on their new home and they can’t give earlier possession and the Buyer wants a new roof,” I explained.

Older/Wiser Agent again told me, “IT’S NOT YOUR PROBLEM.” Older/Wiser Agent explained that it was my job to present the facts, offer guidance then set back and let the clients or customers make their decision. Buyers and Sellers are not predictable, like pets and small children, what seems like a bad offer to you may be gold in the Sellers eyes. Just present the facts and let your people make their own decision.

I called my Seller and took Older/Wiser’s advice, I just stated the facts, presented a net sheet with the bottom line figure and offered some phone numbers of roofing contractors. I then excused myself to let the Sellers talk it over. When I was called back into the room the Sellers said that they had some savings to apply toward their new home, and they could easily move in two weeks and the wife’s brother was a roofing contractor and he would do the work for much less than I estimated. They also admitted they would love to be over and done with the process and wanted to get settled in their new home. When I first listed the home all they wanted was to make as much money off the sale, now they switched to getting moved and settled in.

How would it have looked to the selling agent if I had read him the “riot act” on how my Sellers wouldn’t do this or that then called him up and said the accepted his offer as written? Not very professional I imagine. /Signed/ Mis-Manners Need to get something off your chest? Need to vent? Have a problem to share? Drop Mis-Manners an e-mail at MisBadNoManners@aol.com.

Any Document.

Any Time.

Naples Signing Agent Mobile Notary Service Servicing Title Companies, Realtors, Mortgage Brokers, Lenders & Attorneys • • • • • • • •

Closing Documents Bill of Sale (Auto & Boat) Power of Attorney Documents Contracts Affidavits Deeds Liens Wills

After Hours t Weekends t Holidays Licensed t Insured

Contact Mary Jaeger Minarcin (239) 821-3221 www.naplessigningagent.com Please Note: I am not an attorney licensed to practice law in Florida and I am may not give legal advice or accept fees for legal advice.

Donald K. Ross, Jr. President Ross Title & Escrow, Inc. TIB Financial Center 599 Ninth Street North Suite 300 Naples, Florida 34102 Company Telephone: (239) 424-7700 Direct: (239) 280-4161 Company Fax: (239) 434-0339 Email: DRoss@RossEscrow.com

Remember ... I will meet or beat anyone’s title insurance rates.

JUNE/JULY 2008 ---------------------------------------------------------------------------------------------------------------------------- Page 07

KNOWLEDGE IS POWER. How to Address Question Regarding Contract Remedies

by Don Ross, Esquire I have received many questions regarding what would happen if a buyer failed to perform under a purchase contract. It is interesting how every season; a particular section of the contract becomes the popular section. I will focus strictly on the NABOR, FAR/BAR and the FAR contracts in addressing this subject.

The NABOR Sales Contract, (Residential Improved Property), Standard P, on page 9, provides “…If the Buyer does not perform Buyer’s obligations hereunder (except as excused by Seller’s default) all deposits made shall be paid to Seller as liquidated damages, which shall be the Seller’s exclusive remedy…”

Under the NABOR contract, if a Buyer has only made his initial deposit and then fails to make the second deposit, the most the Buyer would be liable for is the first deposit.

The FAR/BAR Contract for Sale and Purchase, Standard S, provides “If the Buyer fails to perform this Contract within the time specified, including the payment of all deposits, the deposit(s) paid

by Buyer and deposits(s) agreed to be paid, may be recovered and retained by and for the account of the Seller as agreed upon liquidated damages, consideration for the execution of this Contract and in full settlement of any claims…”

So under the FAR/BAR Contract, using the same example as set forth above, the Buyer makes the initial deposit but fails to make the second deposit, the Seller can sue for both the initial deposit made and the second deposit.

Under the FAR Residential Sale and Purchase Contract, the remedy clause differs yet again. Under Paragraph 15(b) lines 235 – 237 states: “If Buyer fails to perform this contact with a time specified, including timely payment of all deposits, Seller may choose to retain and collect all deposits paid and agreed to be paid as liquidated damages or to seek specific performance…”

Again, using the example set forth above, if the Buyer fails to make the second deposit, the Seller has a choice of suing for either the deposit made and agreed to be made, or suing for specific performance. Now, choosing specific performance is a risky move for the Seller.

In fact, I have never seen it done. Specific Performance, assuming the contract price was $500,000.00, would allow the Seller to sue for a court order compelling Buyer to go forward and purchase the property for $500,000.00. Most Sellers take the liquidated damages. Furthermore, there is no guarantee that the court would grant specific performance. It is an equitable remedy and a matter of judicial discretion. It’s not a certainty.

In summary, there is a distinct difference between the remedies afforded to the Seller if the Buyer

defaults, depending upon which of the 3 (three) contacts you use.

Under the NABOR contract, the Seller would be limited to the deposits made. In the FAR/BAR contract, the seller could sue for deposits made and agreed to be made. Under the FAR contract, the Seller could actually sue for a court order compelling the Buyer to close on the property, as well as the deposits made and agreed to be made. Specific performance is not a certainty, but is certainly a risk to avoid.

Please email me (DRoss@RossEscrow.com or DRoss@NaplesAttorney.net ) if you have any questions and wish to discuss further.

Donald K. Ross, Jr., is an attorney with offices at 599 Ninth Street North, Suite 300, Naples, Florida, 34102. He has been practicing law for more than 24 years.

His practice covers real estate, contracts, business, and corporate law. He writes this column periodically with respect to legal matters that frequently affect non-lawyers.

The information contained in this column is not intended as legal advice and, of necessity, is generalized. For questions about specific circumstances, the reader should consult a qualified attorney. Questions for this column can be sent to: Donald K. Ross, Jr., e-mail: DRoss@NaplesAttorney. net or by fax to (239) 434-0339.

HOT SHEETS August Advertising Deadline Friday, August 1, 2008 COB Contact: Laurie Carty, Senior Account Representative (239) 331-3540 or scarty111@hotmail.com

Page 08 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

Mel’s Diner is ...

Home to Comfort Food Folks swarm here for inexpensive comfort food prepared and served with nostalgia. Burgers are properly juicy, and the milehigh pies are impossibly huge. Stick with the diner-style specialties. Daily blue-plate specials -- pot roast, chicken potpie, country-fried steak, for example -- come with real mashed potatoes. Two locations in Southwest Florida.

From Fodor's:

Old Fashioned Meatloaf. Mel’s original recipe, served with homemade gravy ...................................... $9.99

Roasted Turkey. With apple-cranberry cornbread stuffing, homemade gravy and cranberry sauce ..... $10.99

Baby Beef Liver. Pan-fried and lightly dusted, topped with grilled onions and au jus ........................... $9.99

Country Fried Steak. Served with Mel’s sausage gravy ........................... $10.99

Boneless Fried Chicken. Deep fried, hand-breaded, boneless chicken strips .................................. $9.99

Chopped Sirloin. 10 oz. ground sirloin topped with grilled onions and au jus .................................. $10.99

Breaded Pork Cutlet. Hand-breaded and deep fried served with Mel’s applesauce .......................... $9.99

Yankee Pot Roast. Slow roasted until tender and served with mushroom pan gravy .......................... $10.99

Naples

3650 Tamiami Trail (239) 643-9898

Golden Gate

12035 Collier Boulevard (239) 455-4242

Bonita Springs

Fort Myers

28601 Trails Edge Boulevard (239) 949-3080

4820 Cleveland Avenue (239) 275-7850

Cape Coral

1327 NE Pine Island Rd (239) 242-0218

Tranquility in Golden Gates Estates 561 31 Street, S.W. off White Boulevard An exceptionally peaceful home on a beautiful 2.5 acre lot. Four beds, two baths, 2,140 sq ft under air. 2,600 total sq ft. Tile throughout the entire home, granite counters, 2-garage and closets galore.

A 200’ driveway with concrete circular entranceway, electric gate with front fence and landscaping. Security system.

Bernard J. Minarcin, Realtor (239) 269-6855 captnbjm@aol.com

$430,000

JUNE/JULY 2008 ---------------------------------------------------------------------------------------------------------------------------- Page 09

14634 Calusa Palms Dr Fort Myers -- $279,900 A lovely surprise when you open the door, this home has beautiful appointments and decor. Upgraded cabinets, solid surface counters, under counter lighting in the spacious kit with breakfast nook, formal dining room, seperate den or 4th bedroom with built in bookshelves, lovely french doors lead to extended screened lanai.This homes lives like it has 2,000 sf and is immaculate. Split plan perfect for inlaws, guests, great storage space thru out the home. This one is priced to sell and seller is motivated, not a short sale, no waiting, take a look, your buyers will fall in love with this place.

2600 Bellingham Court, Cape Coral -- $214,900 THIS IS A SHORT SALE SUBJECT TO CURRENT MORTGAGE HOLDERS'S APPROVAL. MAY HAVE TIME CONSTRAINTS. Awesome, like brand new Destin model w/2,202 sf overlooking lake on corner for extra privacy and more beautiful landscaping. 4 nice bedrooms and hugh kitchen, terrific family home, This home is occupied and being beautifully maintained. On lock box, easy to show, look at this price folks, we have priced it well below what seller paid and what seller owes and all other like properties available. take advantage of this lovely home at this low low price!

740 North Estero Blvd, Unit #A2 -- $750,000 Goodbye to traffic woes. Enjoy life in this fabulous beachfront condo with awesome rental program. Seller has a verifable income on this unit. Fully furnished with plasma TVs, designer furniture, linens. Your most discriminating buyer who doesn’t like the old typical condos on the beach will love this one. Views all the way to Sanibel and Naples. Walk out onto the sand or sit up on the rooftoop Tiki sipping your pina colada. Owner can use as little or as much as desired.

Daily or weekly rentals no problem. Priced below cost and seller ready to sell. Large underbuilding parking space included.

10011 Lake Cove Dr #202 Fort Myers -- $179,900 Stunningly decorated and beautifully appointed unit with wonderful water views, directly located across from marina at gulf harbour. Custom cherry cabinests w/granite and stainless appliances, Nice large tile in all areas except bedroom nice laundry, perfect condition and yes unfortuantley is a short sale..we beleive the lender is willing to work with us and we have an attorney ready to go to work to make it happen, if your buyers are tired of seeing the same old same old check this out, private elevator, nice pool and clubhouse, close to shopping, beaches, interstate, airport, Sanibel. Show today and promise you wont’ be dissapointed this is a bargain at this price.

10011 Lake Cove Dr #202 Fort Myers -- $169,000 Super nice condo with so much to offer in this price range. Yes this is a short sale but have had communications that would lead us to beleive it is a possiblity and a probability to happen, just need a figure to plug in. Seller is actively helping with lender and has an attorney doing the same.Don’t be afraid to bring your buyers, this is a lovely unit with a wonderful master suite and bath, w/seperate tub and shower. granite kitchen with gorgeous tile backsplash, nice tiled lanai overlooking peaceful wooded area and nice pond. private elevator opens up to your unit and even a 2 c garage..yes this is many thousands below what seller paid and truely a STEAL for those who want to do so.

10011 Lake Cove Dr #302 Fort Myers -- $169,000 Okay you bargain basment buyers, this is a short sale and subject to lenders approval, lender has already approved one offer and we lost the buyer, should be a fairly quick response on next one. this is a beautiful unit in a great complex close to beaches,shopping, airport, and has many ammenities not found in this price range anywhere! Granite kitchen, wow master bath, nice lgr tiled lanai, and the elevator opens privately into the unit...nice pool and club house low maint fees..this is a great price and in perfect condition, show and sell, unit 202 just below also available for same price, show them both...Don't delay this will go fast at this price, this is a hundred thousand dollars below 05 prices.

1503 SE 33rd St Cape Coral -- $164,900 NOT A SHORT SALE, TAKE NO CHANCES, GET IT DONE FAST! Just a great buy. Beautiful pool home centrally located off Del Prado and close to both bridges. Nicely landscaped and well maintained.Priced to sell.

1316 SE 29th St Cape Coral -- $189,000 short sale, subject to lenders approval, commission will be split 50/50..property needs updating, nice pool area, nice canal, good location, lots of potential here.

15645 Ocean Walk Cir #101 Ft Myers -- $149,900 Immediate occupancy now, may have tenant in future, beautifully furnished if buyer wants, unfurnished, whatever suits their needs.NOT A SHORT SALE! 3 br, PRICED TO SELL! Gardens at Beachwalk has lush tropical landscaping, all mediterranean with freshwater lakes, gorgeous clubhouse and free form pool, fitness rm, and only a few short miles to all SW finest sugar sand beaches. Be on Sanibel in 10 min.

Easy to rent out if you are thinking of an investment, buy furnished and get season renters in place now.

Seller is motivated, show and bring offer.

“One out of every three homes on the market in Lee county is a short sale or foreclosure. I am an expert in loss mitigation and helping buyers find good deals. Negotiating with the bank can be difficult and if you need a professional to help you through the process, call me.”

Michelle D. Freiburger YOUR HOUSE SOLD REALTOR Broker Associate, Coldwell Banker Residential Real Estate 7205 Estero Blvd, Suite 26 Fort Myers Beach, Fl 33931 Cell 239-292-5588

Direct 239-314-1423

michelle.freiburger@floridamoves.com

Toll free 800-237-2752

www.floridamoves.com/michelle.freiburger

Property information is derived from various sources that may include but not be limited to county records and the Multiple Listing Service. Although the information is believed to be accurate, it is not warranted and you should not rely upon it without personal verification. ©2007 Coldwell Banker Real Estate LLC. Coldwell Banker is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC.

Page 10 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

The Old Naples Cottage at Fourth Street South If you are looking for an extraordinary new residence in the heart of Olde Naples, look no further.

The offering: A 6,000 square foot, Old Florida Style Home only 4 blocks from the beach and 4 blocks to the 5th Avenue shopping district. Five bedrooms and 5.5 Bathrooms with 4,500 square feet under air with Western exposure give this home the feel and enchantment of an authentic beach cottage. Nothing will be spared in the construction of this spectacular home. Hardiplank exterior, metal roof, distressed solid wood floors and tongue and groove ceilings provide an architecturally significant and historical reflection of Olde Naples. Completion set for Spring of 2009. Plenty of time left to select fixtures, finishes, cabinets and appliances. Own a magnificent single family residence in Olde Naples for the square foot price of a Town Home or a Villa. For Architectural plans, artists renderings or more information please contact Captain Bernard Minarcin, Realtor with Downing-Frye Realty, Inc. (239) 269-6855 or captnbjm@aol.com.

This home is an exceptional value, pre-construction priced at

$ 3,375,000

Hanging by a Thread

Current Exhibits: • Red Bar Gallery, 52 SW 10th Street, Miami, FL 33130 786-316-0303. “Salon” exhibit ongoing...Artists and Guests are invited for a reception the second Wednesday of each month 6 - 10 pm; located 2 blocks north of SW 8 Street just west of South Miami Ave • Studio 100 Fine Art Gallery 100 SE First Street, Boca Raton, FL 561-392-0745. Collage, Mixed Media and giclees available for sale. Open Monday - Saturday, please visit this exclusive, high-end, contemporary gallery, featuring local, national and international artists.

• Artserve, 1350 E Sunrise Blvd., Ft Lauderdale, FL 333304 954-462-8190 or www.artserve.org. Current exhibit “Art is Where the Home is” runs May 24th through June 28, 2008.

ST E L L A W H IT E

www.stellawhite.com

stelwhite@bellsouth.net

phone number ...

Page 12

JUNE/JULY 2008 ---------------------------------------------------------------------------------------------------------------------------- Page 13

Extraordinary Value in Naples’ Premier Community - Pelican Bay

6654 Trident Way 2 in Naples $735,000

523 Serendipity Drive #523 in Naples $475,000

You're in luck! You've found the right place at the right price. Even for your pets! ALL sized dogs are welcome . . . And. more living area than a standard 3BR Villa! All rooms are so spacious you could make your own 3rd BR. (This is a one-of-a-kind-floorplan). Huge Kitchen/ Family Room/Open Den combo with large Living Area opens to a Glassed-In Lanai & private Outdoor patio and yard. This two-story villa w/ courtyard entry is located directly across from pool. You will enjoy a unique Open & Airy floor plan w/soaring ceilings & charming angles that just enhance this 2 Master Suites, 2.5 Baths, 2-car Garage comfortable home. Recent Upgrades include Pavers, A/C, Appliances, Garage Door, Tile, Carpet.

Can you believe this? Reduced almost $190,000! Motivated Seller! Fabulous 3/3 property. Largest unit available in Serendipity, furnished and at a great price. Fees just went down. Very well managed community w/good reserves. Like being in Venice, Italy on a little canal with a European Greeting Window. Absolutely charming & architecturally exciting! Make this home your own!

Plus. Space, Size, View, Exposure (E & W). You have it all here.

Great rental property because spacious 2 story, 3 large bedrooms with 2 generous master suites & walk-in closets, 3 full baths, vaulted ceilings, wet bar, plantation shutters, fireplace, eat-in kitchen. Come live the Pelican Bay lifestyle for an affordable price.

Marya Doonan, CSP, P.A.

Marya Doonan, CSP, P.A.

(239) 450-4000 (direct) (239) 566-7677 fax) (800) 448-3411, est. 741 (toll free) E-Mail: teamnaples@comcast.net www.maryadoonan.com

(239) 450-4000 (direct) (239) 566-7677 fax) (800) 448-3411, est. 741 (toll free) E-Mail: teamnaples@comcast.net www.maryadoonan.com

Stunning Aqualane Shores ~ 2163 South 21st Court in Naples ~

In all of Aqualane Shores, only 28 homes face directly on to Naples Bay. This secluded, masterfully designed home radiates Mediterranean charm and comfort while stunning panoramic bay views abound from every room. This casual, custom floor plan delights both young and old. Flawless details such as triple-arched mahogany entry doors, hand-hewn 100-year-old beams, imported solid chestnut interior doors from Turkey, an infinity edge pool, a media center and two powerful high-speed boat lifts-one for 6,000 lbs. and one for 25,000 lbs.-all fuse seamlessly with the modern pleasures of a home with full hurricane compliance, surround sound, state-of-the-art wiring and five heating/ air zones. As an extension of the home, the 2,200 sq. ft. lanai includes a summer kitchen & courtyard fountain, creating a serene and private ambience in this ideal Bay location. Whether you want to cook, entertain, study or relax, this open 5 bedroom and Study, 6.5 bath, 3-car (over-sized) garage home delights and welcomes you.

$6,850,000

Marya Doonan, CSP, P.A.

(239) 450-4000 (direct) (239) 566-7677 fax) (800) 448-3411, est. 741 (toll free) E-Mail: teamnaples@comcast.net www.maryadoonan.com

Boutique Hotel or FOR SALE

Zoned C-4 with Direct Gulf Access. Located AS A DESTINATION ...

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and a three bedroom vacation house situated right on the Naples coast with direct the water, and relax with family and friends in this magnificent Florida setting.

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rentals provide yet we’re just minutes from the beach, Naples’ best golf, fine dining, and some of Florida’s best shopping. Along with our vacation house, we have enough room for family reunions, wedding parties and graduation parties.

We are the ideal setting for that special event you’re planning.

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zoned C-4, General commercial with BMUD-Neighborhood allowing for greater density, and mixed use - building-commercial ial up).

ures of this opportunity are: rontage on canal parking lot (included) a, approximately 6,185 square feet de Bar, Waterfall, Metal Roof “Chickee� Hut o the new marina site for Treviso Bay Club Owners

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0,000

Pat Wilkins RE/MAX World Record Holder Circle of Legends RE/MAX Results Realty 847 North Collier Boulevard Marco Island, FL 34145 Office: (239) 394-8118, ext. 4354 Mobile: (239) 290-8593 Fax: (239) 394-3797 Email: patwilkins@marcoexpert.com Web: www.marcoexpert.com

Living the Good Life in Southwest Florida

LIFESTYLE & LIVING SHEETS Danger Will Robinson: Preparing Against Area Wildfires

by Lauie Carty In early June, I interviewed Mike Weston, CFA Senior Forester for the Florida Division of Forestry for Lee, Collier, Hendry Counties.

You see I am a resident of Golden Gate Estates, and after the last wildfire, I was determined to find out how I could be better prepared in the future.

(Q) There are many disaster guides for hurricaines. What kind of guide is there for wildfires? There are many guides available from the Florida Division of Forestry and local fire departments: 1. Wildfire Hazard Assessment Guide for Florida Homeowners: 33 page guide that allows homeowners to learn how to reduce their wildland fire hazard risk and to assess their fire hazard rating with an easy to follow guide.

2. Wildfire Mitigation in Florida: Land Use Planning Strategies and Best Development Practices. The 145 page guide is an in depth study in planning and reducing wildfire risk in communities.

3. When Fire Threatens brochure.

A two sided brochure that tells everything you need to do once it’s time to evacuate or an evacuation is imminent.

4. “How to Have a Firewise Home” brochure that discusses defensible space and other fire prevention and home safety tips.

5. Landscaping in Florida with Fire in Mind. A multiple page “cheat sheet” brochure that goes over many Firewise home/defensible space principles with a simplified plant list and landscape design suggestions.

(Q) Do you know anything about Fire Danger Pocket Cards? Yes, we have a supply of them.

(Q) When is the first and last official day of fire season? Wildfire season in Florida is year-round, unlike hurricane season which has required meteorological parameters, as many of our plants and natural systems are maintained by fire. As land managers, the Division of Forestry often uses the winter to conduct prescribed burns on forest land that has not been recently burned, and will alternately use growing season burns (May through August when conditions allow) to burn on better fire maintained sites. The peak of our wildfire season in south Florida is from early April to the end of June as fires are able to spread most quickly and we experience lightning in advance of significant rains.

(Q) What is the threat if any of fires in rainy season? The rainy season is both a scourge and a salvation for our fire season and forests/natural areas around south Florida. The beginning of rainy season is often accompanied by lightning which can spark wildfires far outside of the rain zone of passing thunderstorms. Lightning strikes in May through late June in most years can smolder for several days and with the dryness of the vegetation around them, unless rained on heavily, can ignite a fire that spreads quickly. The good news is that as the rainy season progresses, the wildfires we do have don’t spread as quickly which allows us to install firelines (lines of bare dirt) or to stop the fires using natural barriers (wetlands) or man-made barriers (roads, canals, ponds) when the fire is smaller. One caveat in all of this is that even a small interruption in the rainy season when the weather is hot can cause burnable vegetation to dry out and in a week or two time period

weather conditions can bring on rapidly increasing risks of large wildfires.

(Q) What steps can be taken by home owners and business people to reduce potential structure destroying fires? We continue to receive updated research on how to protect homes from wildfires. The number one way to reduce the potential for a structure destroying fire is to give the woods the space that is needs, so that a home/ business will not be rated as “hopeless to save” during a wildfire. The space does a number of things, the first of which is to give firefighters room to fight the fire safely if they need to, and secondly, it may be that the structure won’t need any attention at all from firefighters to survive on its own.

Other steps include: • Defensible Space of 30 foot to 100 feet. Defensible space can be summarized as a zone around a house that has minimal chance of ignition or creating additional fuel loading against the structure. This will include: o Irrigated landscaping that is composed or fire resistant plants that are well pruned and spaced to slow the spread of fire on the ground to the structure from the woods. Landscape plants that have high leaf moisture content and/or low oil/resin content and exhibit some drought resistance are best. It is best to use plants that have not been deemed invasive exotic according to the Florida Exotic Pest Plant Council (www.fleppc.org). o Firewise plants include but are not limited to: red maple, sycamore, live and laurel oak, coontie, beautyberry, firebush, viburnum, olive trees, buttonwoods, sea grape, and cocoplum.

Pine trees are a natural part of our forests, but care needs to be taken when they are near a structure to make sure their crowns do not touch each other and that the needles are cleaned off of roofs and off of bushes where they can allow a fire to jump up higher if left to pile up.

• Locate firewood storage and placement of LP tanks at least 50 feet away from any part of home/structure with at least 15 feet of cleared space around the wood/tank.

• Non-combustible street numbers near the road (mail box or other sign) at least four inches tall (allows firefighters to id your structure easily) that are reflectorized, set on a contrasting color/background, and visible from both directions.

• Non-combustible, corrosion resistant screening with mesh size no greater than 1/8 inch covering the attic and sub-floor vents with openings that do not exceed 144 square inches at each vent.

• Spark arrestors in chimneys • Eaves boxed with ½ inch nominal sheathing or non-combustible materials. Soffit vents made of non-combustible materials such as aluminum/ metal, etc. to cut off firebrand access to attic area as vinyl soffits will melt.

• Decks/walkways enclosed underneath with 1/8 inch mesh that is corrosion resistant and non-combustible and backed with a structure to prevent sagging (prevents build-up of leaves).

• Roof with Class A asphalt/fiberglrass shingles or roof material of clay, slate, metal, cement, or terra cotta tiles.

• Exterior windows with double paned glass • SSmaller exterior glass doors and skylights of double paned, tempered glass.

• Gutters and downspouts of non-combustible materials that are kept free of leaves and other combustible debris

From the front lines on a wildfire. What you can do to prepare.

• Using exterior wall materials and assembly with at least a one-hour fire resistant rating out of materials such as stucco, brick, concrete block or stone. Vinyl siding is to be avoided as it easily melts and exposes the sub wall materials quickly.

• Smoke alarms should be checked on a monthly basis at least and batteries replaced every six months.

• Build driveways to be at least twelve feet wide and have at least 14.5 feet of vertical clearance to allow for easy access of fire fighting vehicles to protect the structure.

• If gated, have the gate open inward with an entrance that is two feet wider than the driveway and located 30 feet from the road if possible. This will allow for fire department vehicles to get into the driveway and off of busy roads to allow for more fire vehicles to pass by and/or people evacuating to freely move. If gate is secured, have a key box that will provide ready access to the fire department such as a knox box that only the fire department/police department will have a key to.

• Trees within the defensible space with crowns that do not touch.

• 10-12 foot section of non-flammable fencing (metal, stone, concrete, brick) if wood fencing used to fence the property.

• Trees within defensible space with lowest limbs pruned to a height of six to ten feet (allows for firefighter access on property and prevents ground fires from getting into the crowns of some trees).

• Coarse gravel, lava stone or chunky bark (the bark is best for plant beds) within five feet of the structure for mulch around plant beds.

• An evacuation plan.

• An emergency “Disaster supplies kit” to include food and water for three days, first aid supplies, a portable radio, flashlight, clothing, blankets, and some toiletries.

• Ladder, shovel, rake, and multiple water hoses ready that will reach all points of the structure. The point is not for the property owner to fight the fire, but to provide back up tools for firefighters to use when they are on the property.

(Q) Is a 30 ft. buffer enough to protect a structure from fire? There is only so many pieces of fire apparatus to go around between bulldozers, engines, brush trucks, and water trucks. Don’t have part of your emergency plan be that the fire department will definitely show up at your residence, because they may be committed elsewhere or the fire moves to fast to put out. They key is working to manage to about 100 feet from a structure. Thirty feet is the minimum to allow a structure a good chance to survive without any attention from fire departments. Considering how many people do very little to provide thirty feet of defensible space, it is better to err on the side of too much than to have not enough, and lose a home/structure because enough fire resources could not be had to save every house. In many cases, this will take coordinating with neighboring landowners and county governments to get enough space to work in and to keep from violating local ordinances that protect plants and natural resources. If 100 feet cannot be achieved, work to get as much defensible space as possible. The defensible space, however, should not be barren of plants and trees, but planning does need to go into how the plants are installed and maintained. The goal is to create a landscape that is visually pleasing and environmentally friendly, while also making it very hard for a fire to reach the structure via the ground or in the tops of trees.

(Q) Can you give me a list of the top 10-12 things people should think about first when dealing with an environmental fire like Golden Gate

JUNE/JULY 2008 ---------------------------------------------------------------------------------------------------------------------------- Page 17

TABLE TALK: The Naples Winery

Drinking Wine in Moderation The Naples Winery has been a hot spot at Tin City since 2003.

Each month we will be writing a column on wine helping discerning readers understand the many wonders of drinking wine.

All of the wines in the shop are made from fruits other than grapes. We use mangos, pineapples, blueberries, raspberries, passion fruit, oranges, key limes; just to name a few.

There are 33 different wines made from fruits or combinations of fruits, such as our Pina Colada wine, made from oranges, coconut and pineapple, and our White Sangria, made from pineapple, passion fruit, watermelon, mangos, and key limes. This is a big favorite!

The fermentation process is the very same as for our wines as it is for wines made with grapes. Our wines produce no tannins, which come from the skin of the grape, and are suspected to be the cause of headaches that people experience when drinking a grape based wine. Also there are significantly fewer sulfites in the wines, which can as well be a cause of headaches in people with allergic reactions to them.

The alcohol content is the same as grape wines, ranging from 10 percent to 14 percent.

The wines are made in St. Petersburg, Florida, at Florida Orange Groves and Winery, just three hours north of Naples.

Tours are available there for the wine-making process. The main winery has just completed a 50,000 square foot expansion to keep up with the popularity of the wines.

There are 16 tasting rooms in Florida, where the wines may be purchased, along with The Naples Winery website -- www.

TheNaplesWinery.com.

Our store in Naples has a wonderful selection of unique gifts and things to delight the wine enthusiast in you.

Our wines are available for tasting from 10 a.m. until 9 p.m. every day except Sunday when the hours are noon until 5 p.m.

Just stop by and we’ll find a special fruit wine to delight your pallet.

This month’s special flavor is Mango Mama. This wine is made from Mangos! Just mangos.

Smells like mangos and tastes like mangos! No artificial flavors or colors.

And try our Sparkling Mango!

It tastes like a Mimosa, but it’s not.

Tastes like mangos because it’s made from mangos! Stop by for a glass of Sparkling Mango today!

Makes a great closing gift, too. and mention you read this article for a free gift for you.

See you soon !!!! /s/ The Naples Winery The Naples Winery 1200 5th Avene South Naples, Florida 34102 (239) 732-WINE

Preparing Against Area Wildfires (continued from page 16) Estates? I have never heard the term environmental fire before, but the government term for a wildfire in a suburban/rural area like the Golden Gate Estates is a fire in the wildlandurban interface. The wildland-urban interface is anywhere where rural fuels are in close proximity to houses and businesses. Fires in the wildlandurban interface are the most costly to fight and can cause the most damage because a lot of fire resources are needed (trucks, helicopters, planes, etc.) and it is very difficult to give the fire any room because more homes can be lost. Let’s say that a person has done everything as far as making their home/business firewise and they are faced with a wildfire in an area like Golden Gate Estates, what should they do?

1. Know that fires are a natural part of Florida’s forests and natural areas.

Homes can be rebuilt, property replaced, but the lives of people cannot be magically brought back once they are gone.

2. Stay calm and tuned to news sources such as radio or TV that has news broadcasts from local sources.

3. Review your evacuation plan (meeting place, several escape routes, out of county/state phone contact for all to check in with) and have all pets, people, and documents/medication ready to go quickly.

4. Follow all directions given by emergency personnel, including fire fighters, police, and sheriff’s deputies.

5. Have Disaster Kit and pet travel kit ready to go into car and back the car into the driveway/garage for easier exit.

6. Close all windows and doors.

This will prevent embers from entering your house.

7. Close heavy drapes, venetian blinds, or hurricane shutters. Remove lightweight curtains or frilly material (it can catch on fire through the glass).

8. Move flammable furniture away from windows and doors. A lot of the new fake leather materials are highly flammable.

9. Disconnect the automatic garage door opener in case power is lost.

10. Turn off fuel supplies at source (propane tank, etc.)

11. Place lawn sprinklers on the roof and wet the roof and shrubs within 15 feet of the home to reduce the risk of embers starting spot fires near the home.

12. When leaving, always lock your home as you may not be back for several days. Firefighters can gain entrance if they need to.

13. Most of the wild plants will grow back and are actually quite happy with fire, though this growth is sometimes from the root system as the tops of the plants can be killed. Pine trees that do not bounce back within a couple of months from a fire in the spring are most likely dead. The surest sign to telling if a pine tree is dead is to look for lots of white sawdust at the base of the tree.

For additional information call (239) 690-3500 for Lee, Collier, and Hendry

Page 18 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

Learn How to Protect Your Most Valuable Asset -- Your Face A simple guide to good skin care

What is the first thing that everyone sees when meeting someone? Your face! Don’t you always want your first impression to be a great one?

Don’t you want your skin to look young, soft, firm and healthy? Well, then you need to erase the age old teachings of “soap and water are just fine.”

Hello, my name is Mercy and I am an Independent Beauty Consultant. I teach people about good skin care regardless of age. I can also help you stop and reverse the signs of aging that you may already have.

Your skin is the largest organ on your body and needs to be properly taken care of or your results are wrinkles, age spots, discoloration and just an overall dry, damaged look and that’s when everyone starts looking for all of the miracle creams.

If you begin your skin care regimen as early as possible, you can prevent most of the unwanted signs of aging.

If the damage has already begun, it’s not too late to stop and in most cases reverse the signs of aging. Let’s go through the five most important steps to ageless skin: 1.) Cleansing to remove dirt and impurities.

Now, not just any cleanser will do. You need to choose a cleanser that is specific to your skin type.

2.) Exfoliating to remove dead surface cells that dull the skin. Every skin type should do this.

3.) Toning to tighten the skin and refine the pores.

4.) Moisturizing to hydrate for soft smooth skin. Contrary to popular belief, even if you have oily skin, you should moisturize.

However, you must use a moisturizer for your skin type. This penetrates to the lower part of the dermis that is composed of collagen and elastin fibers that support the vital components of the skin. When this layer is hydrated, the skin looks younger and more supple.

5.) Protection to protect the skin from the sun and environmental damage that ages the skin quickly.

Mercy Shriner Independent Beauty Consultant Mary Kay Cosmetics www.marykay.com/mercyshriner Toll Free to 1-866-733-2703

Medical PlainSpeak: Dr. Hiler

What is the difference between surgical decompression and Vax-D decompression?

“Surgical decompression” of intervertebral discs has been established for the management of low back pain and sciatic pain in selected cases. Surgery may disrupt the natural biomechanical functions essential to preserve pain-free spinal mobility.

The majority of LBP patients are not ideal surgical candidates, and surgery in the poorly selected patient can lead to ‘failed back syndrome’ and continued irreversible pain. In addition, studies show low back surgery is approximately 51 percent successful in relieving disc related back and radiating leg pain. The Vax-D nonsurgical procedure is 70 to 90 percent successful depending on the exact diagnosis.

Before resorting to a surgical approach, it makes sense to try the more conservative non-surgical Vax-D procedure. For a free DVD and consultation call my office at (239) 659-2669.

Richard A Hiler, D.C. Hiler Chiropractic Spinal Decompression Center 1234 Airport Road North Naples, Florida 34104 (239) 659-2669 Email: drhiler@spinalaid.com Spinalaid.com VaxD.com VaxDinfo.net

THE SHEETS

Published by Real Estate Hot Sheets Inc.

Bernard J. Minarcin, Publisher Anthony Barba, CTO Laurie Carty, Senior Account Representative Michelle Craft, Contributing Editor AUGUST DEADLINE FOR ADS: August 1, 2008 4Real Estate Hot Sheets (REHS) is a printernet company with traditional print products as well as Internet products. You can contact REHS on the Internet: www.realestatehotsheets.com/contact.html or by writing to us at Post Office Box 343, Estero, FL 33928 Telephone: (239) 992-9642

FRANCHISES FOR SALE For REAL ESTATE HOT SHEETS franchising opportunities in 100 major markets across the United States. Must be an accredited investor, and have experience in the Real Estate and Publishing Industries. call Michelle Craft (239) 992-9642

DOLLAR ESTATES

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Purchase $10 or more and recieve a single item, $1 value free.

NOW OPEN at 80 Wilson Boulevard South (239) 774-6100

T H I S DOC TO R MAKES HOUS E CAL L S STEPHEN KASKIE, M.D. is a board-certified family physician dedicated to providing quality care in the comfort and convenience of your home or office.

Dr. Kaskie’s goal is to improve access to quality care by combining clinical excellence with uncommonly high levels of service and personalized attention at an affordable price.

He offers a broad range of services including care for acute problems as well as comprehensive care for chronic conditions.

When Dr. Kaskie and his assistant visit you, all tests and studies that may be required to evaluate and treat your condition can be arranged at that time.

You could utilize Dr. Kaskie’s services if you...

• • • • • • •

Need an outstanding primary care doctor.

Don't want to waste time in a waiting room.

Can't get a timely appointment with your doctor.

If you are not able to leave your home or office.

Are too sick to drive.

Wish more privacy and personalized attention.

Wish to avoid exposure to other sick people.

Dr. Kaskie sees patients...

• From “craddle to grave” • On the same day or the next day of your call • In Collier and Lee County For your convenience checks, cash and credit cards are accepted at the time of service.

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Dr. Kaskie’s fees are $250 per visit. However, fees may vary according to actual services rendered at the time his visit. Fees do not include the costs of additional tests, treatments or medications. When appropriate a claim can be submitted to your health insurance company for your reimbursement.

$125 per Office Visit CASH or CHECKS ONLY No health insurance claims will be processed.

To make an appointment, please call Dr. Kaskie at (239) 947-4100.

Page 20 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

Luv U Photos

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and ride!

Universal Cycles experienced and affordable service, repair & customizing aftermarket accessories installed weeknight/weekend bike recovery

Meri Wayne Photography (239) 601-4406

scott carty, owner (239) 331-3540 (shop)

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Fishing & Boating in Southwest Florida

SUN, SEA & SAND SHEETS

Blooming Royal Poincianas Signal Snook Season Keller offers three proven ways to catch the ever elusive Snook

by Captain Al Keller The days are long here in South West Florida and Royal Poinciana trees are in full bloom that means one thing it’s Snook fishing time.

The Royal Poinciana tree has bright orange flowers and was the signal for Snook fishing by the old timers. The weather now is hot and humid with light breezes to keep cool. Afternoon thunderstorms lasting only an hour or so gives the ecosystem the important freshwater flow.

Freshwater pushed out with the tide is vital for Snook to spawn. The salinity has to be just right for the eggs to float in the water column to be fertilized by the males. Large female Snook can be found surrounded by as many a 15 smaller males a great sight to see.

Most snook have made the journey from the backcountry bays to the outside islands, passes and beaches.

These three areas to target Snook offer the angler different ways to catch them as well.

The outside islands have hard coral and rocky structure which the snook like to lye and ambush prey.

Early morning times just before sunrise the fish can be taken on topwater lures. This is my favorite way to fish. Using a lure like the MirroLure Topdog or Zara Spook Jr. with the “walk the dog” retrieve. This action imitates a wounded mullet on the surface driving the snook crazy.

As the sun rises switch to subsurface lures like swimming baits and lead headed jig with plastic tails. Look for birds working these points as a good indicator on where the fish might be located, they are never to far from the bait.

In the passes the Snook lay along the rocks and underneath dock pilings. This area is a live bait angler’s dream. The water must be moving incoming or outgoing tide the fish will

Catching the ever elusive snook is part talent and part luck.

face into the current. Using a baitfish, finger mullet, scaled sardine or threadfin herring toss up current and let the bait swim naturally.

When fishing the passes or docks heavier rods 7’ rated for 12-20 line are mostly used with a 40-50 Fluorocarbon leader and a quality circle hook to match the bait size.

Through out the day the snook will swim up and down the white sandy beaches eating baitfish in the surf.

These fish will be just feet from the sand looking for disoriented bait in the surf.

This type of angling is a sight-fisherman’s dream. Crystal clear water and schools of snook make locating them easy.

Typically we will use or flats boat or walk down the beaches looking for the schools. When spotted try and get ahead toss the offerings well in front and let them come to the baits.

These snook tend to be more spooky than the ones in the passes or outside island points.

Many anglers like to walk the

Naples and Marco Island beaches with flyrods, great exercise as well. This is real fun. To target them on the fly use a 6-9wt fly rod 12’ tapered Fluorocarbon leader with a 20lb. Bite guards added to the end were the fly attaches avoids being cutoff by their ruff mouths The best flies are small and white with a little flash. Clousers, gummie minnows and deceivers with the hook size number 1 or smaller work the best.

Remember snook are out of season to keep till September it is only catch and release. . The slot size for the snook on the West Coast of Florida in 28”-33” and one fish per angler.

When caught try and handle Snook with wet hands and a gentle touch. After being caught revive snook by holding in the water till it swims out of your hands this ensures a good release and puts less stress on the fish.

Enjoy catching Florida’s prize inshore gamefish the Snook, but remember they are spawning now to ensure the species

continues, so do your part and practice gentle catch and release.

For the nest several months try these different areas for snook and you should be met with tight lines and great action.

Keep the lines tight till next time.

Captain Al Keller is a Redfish Cup pro angler and guide in the Naples and Marco Island area. Specializing in sighfishing and fly fishing the shallow mangrove lined backcountry bays.

Contact info: fishalkeller@earthlink.net or 239-289-4801. Listen for Capt. Al on ESPN 770 am radio every Saturday for the latest fishing forecast.

Page 22 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

Wh at a C atc h !

You could be saying “What a Catch” with today’s real estate prices getting back to reality.

Call Wright or Michelle to go on your real estate “Fishing Adventure.” They’ll take you to where the “Trophy Catches” are.

You won’t need any fancy lures but you may need a “Big Net” to land your “Big Deal.”

Wright and Michelle specialize in Marco Island

and Naples, call them at (239) 821-9230, and let them help you on your next “Fishing Adventure.”

Naples Bath & Tennis

Marco Vista

WAS: $440,000 NOW: $399,900

WAS: $265,000 NOW: $185,000

Marco Sand Star WAS: $270,000 NOW: $245,900

South Seas Towers 2 $929,000

This front unit on the Gulf of Mexico offers year around views of sunsets, dolphins and even manatees, oh and did we mention, endless varities of birds. This unit is most 1,200 sq ft with 2 bedrooms and 2 baths. It has been nicely remodeled.

Wow! You’ve been looking but know you’ve found it, a rarely available Marco Vista end unit with a boat lift. This direct access condo is minutes to the Marco River and the Gulf of Mexico.

This unit owns boat lift # 1. New carpet in unit and new roof

Beautifully remodeled and upgraded 2 BR, 2BA condo overlooking the Lake and preserve. Brand new kitchen w/ solid wood cabinets, tiled countertops, new upgraded appliances, new tile & cabinets in both bathrooms.

Unfurnished.

A hop skip and a jump, that's all it takes to get to Starbucks in the morning or Stone Cold Creamery in the evening. 2 bedroom, 2 1/2 baths, townhome style living. This unit has newer appliances and be being sold furnished and is just across the parking lot from the pool.

Black Truffle Chocolatier

Belle Isle Circle

Ironwood Ct. Marco

La Peninsula

Marco Island’s gourmet Chocolatier and Bakery. Established business with loyal client base. Owner will train new buyer and will supply Truffles if desired. Great business opportunity on Marco Island..

This beautifully maintained manufactured home in Riviera Golf Estates is overlooking the #6 green. Immaculate 2 bedroom/2 full bath is in a 55+ community which has a really nice club house with heated pool, tennis and amenities galore.

Awesome Unit 7 lot for a great price.

This oversized lot on the end of Ironwood on city sewer. The beach is right around the corner, so a quick walk and your there. Owner is motivated.

Over the top decorated! If you want to live on the water in a fabulously decorated condo. Call for details or for your private showing.

$99,000

$125,000

SALE PENDING NOW: $220,000

Michelle and Wright Taylor of Prudential Florida WCI Realty 900 North Collier Boulevard Marco Island, FL 34145 (800) 237-8817 or (239) 821-9203 www.MarcoHomesAndFishing.com or www.LiveOnMarco.com Prudential is a service mark of The Prudential Insurance Company of America, Equal Housing Opportunity

SOLD $510,000

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A form follows function approach.

Blending state-of-the-art construction techniques and classic finishes.

Utilizing only the finest specialists.

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Building in Naples finest neighborhoods since 1999: Aqualane Shores, Coquina Sands, Hawks Ridge, Livingston Woods, Moorings, Olde Cypress, Olde Naples, Park Shore, Pelican Bay, Pine Ridge, Port Royal, Royal Harbor and Vanderbilt.

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790 Harbour Drive #2C v Naples, Florida 34103 v (239) 430-3883 office v

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THE QUARRY #1 GREEN & FAIRWAY

THE GOLF & GREEN SHEETS

TM

Yabba Dabba Doo! Hitting the Greens at The Quarry F a i r w a y L i v i n g : An Insider’s Guide to Southwest Florida Golf Courses ... by Charles Elig

Every issue of the Golf and Green Sheets will include pertinent information on local golf courses in SW Florida.

Many of our new residents feel that it is important to choose the right course and the right membership plan to increase their enjoyment of our wonderful area. With more than one hundred courses to select from, the buyer needs to match the course, membership plan, Charles Elig and the home.

In this issue, I review The Quarry, one of the few NEW communities currently under construction in Collier County. Centex Homes, a leading national developer, is building a unique and enticing addition to our selection of golf communities.

Location of The Quarry. The Quarry is located about 5 miles east of I-75 on Immokalee Road.

Types of Membership Plans. At some future date, The Quarry will become a fully private course, but until then they are offering exceptional plans for both residents and nonresidents. Full Golf, Sports, and Annual golf memberships are currently available with pricing from just $5,000. For non-resident members, privileges for the community Lake and Beach Club amenities can also be included providing an exceptional package for the whole family.

Please call Jennie Taylor, Membership Director, at (239) 304-0172 for further information.

Course Details. The Par 72 Quarry course offers four sets of tees for men, from the “Slate” championship tees at 7,316 yards (76.0/142) to the “Copper” of 5,823 yards (68.3/126). The Ladies’ yardage is 5,091.

Distinctive Features. With a name like The Quarry, one would expect a bit of water, and one would be right. Hewn from the site of an original stone quarry abandoned in 1981, the spectacular golf course winds, links style, around the perimeter of the community’s centerpiece, a 230 acre recreational lake, presenting a very scenic challenge to the discerning golfer.

The course was built before any properties were erected, assuring very limited intrusions onto the course.

The front nine opens with a challenging but fair par four with the lake guarding the green. # 3 is the number one handicap, a long par 5 (601 yards for you bombers) that is dogleg right with a second blind shot over two bunkers.

Holes 4-5-6 are secluded into the Florida preserve away from the rest of the course, and # 8 is a terrific par 4 with a drive over water (aim for the three palm trees in the distance).

View from The Lake Lodge and Beach Club at The Quarry in Collier County.

The back side opens with three straightaway par 4’s, followed by two of the most challenging par 3’s you will find, # 13 and # 15. This last par 3 is truly a heart thumper, with a 185-205-224 yard iron shot over water to a green that looks like #17 at Sawgrass. You have no choice but to go for it! All fairways are well marked with sprinkler head distances, and the pins have Laser Link reflectors.

When you come up the 18th fairway into the clubhouse, you will feel challenged but satisfied with one terrific golf course.

Centex also has constructed a wonderful Lake Lodge and Beach Club amenity that borders the 230 acre lake. One half mile of “real sand beach front” offers swimming and sunning without the trek to the Gulf. The Lake Lodge and Beach Club houses an excellent bar/ restaurant, fitness facility, lap pool area, and outdoor resort pool. For a seasonal home, this is the place to have it all.

New Construction Centex is currently offering the following types of new coach homes, villas, and single family homes for sale and pre-construction: Ironstone Luxury Coach Homes, base priced from $244,990 to $309,990. These are 4-unit multi-family buildings, with 1,654 SF downstairs and 2,297 SF upstairs.

Cobalt Cove, stylish Single Family Homes with several floor plans from 2,052 SF to 2,841 SF, base priced from $424,990 to $460,990.

Nickel Ridge, gracious estate homes with

open and innovative floor plans of 2,404 to 3,193 SF, base priced from $494,000 to $567,000.

Copper Canyon, estate homes with similar floor plans to Nickel Ridge, with boat docks and direct access to the 230 acre lake included as part of the lot premium, base priced from $494,000 to $567,000.

Value Resales Available Coach Home in Silverstone, 2+Den, first floor with 1,654 SF, long views of 18th fairway and lake, unfurnished at $ 299,900. AN ABSOLUTE BEST BUY! Coach Home in Quartz Cove, 3 BR, first floor with 2,091 SF, views of 16th green and Golf Lodge, unfurnished at $399,900.

Single Family Home in The Shallows, 4 BR, one floor with 2,146 SF, pool and spa, unfurnished at $429,000. AN ABSOLUTE BEST BUY! Single Family Home in Spinner Cove, 3+Den, one floor with 2,562 SF, pool and spa, lake views, unfurnished at $695,000. Over $125,000 in upgrades.

Charles Elig, ABR Charles Elig is a full time Realtor at Downing-Frye Realty in Naples, Florida, and a member of The Steve Schoepfer Team. Charles is a specialist in the golf communities of SW Florida. Since moving to the area in 1997, he has played on more than 70 of the courses in order to fit his buyer to the right golf experience.

He can be reached at (239) 591-0828, or by visiting www.NaplesBestGolfProperties.com.

Page 26 ---------------------------------------------------------------------------------------------------------------- www.realestatehotsheets.com

SETTING RECORDS IN A CHALLENGING MARKET

“It all comes down to working hard for your customers, being honest and staying educated on the market and new mortgage products available.”

“There is so much opportunity right now in Southwest Florida; I haven’t seen this much choice and value in 30 years.”

Mike Straley owner of Offsite Realty and Mortgage

” Offsite’s motto is Minnesota Nice, Midwest Integrity, your Southwest Florida Connection.”

Offsite focuses on helping buyers from the North find the value and amenities they want in Southwest Florida.

The Offsite team is based in Minnesota, Wisconsin and Florida, and their mission is to help buyers from all over the Northern regions find their piece of paradise in Florida. The team has a full service approach, helping customers discover the best beaches, golf courses and boating, as well as to help customers with property management and mortgage services.

“We’ve really built our reputation on going the extra mile. and giving our customers a true taste of Florida so they can make an educated decision on what is important to them and where they want to live,” Straley remarked.

Because home loans and lending is changing so quickly, Straley recommends people think outside the box.

To contact Mike Straley, call (877) 246-5360, or visit www.offsiterealtyflorida.com.

RAPALLO There is not now – nor will there be again – a villa offered in Rapallo to equal this home! If your buyer requires the finest – this is their opportunity! All other villa listings pale in comparison. With more than $ 200,000.00 in upgrades, this home sets the standard – a standard that will not be equaled. When considering what this home has to offer, it actually becomes the lowest priced Sestri on the market. Beginning with stone floors throughout, set in the Ashlar pattern, and continuing through crown molding on every ceiling, this home is awe inspiring.

Plantation shutters with black-out shades beneath- moon lighting in all ceiling coves- bathroom counters of onyx and vessel sinks- chair-rail, two-tone paint details in dining-room and bathrooms- wall-sconce lighting in water closets- eight-foot doors throughout- pool/spa/waterfall and auto fill lit loft and special gallery track lightingkitchen counters and back walls in rare black mosaico granite- media center with custom cabinets.

$599,900 Contact Jay Shaplow (239) 287-0005 or (239) 949-3994 jshaplow@comcast.net

BAYFRONT

Never before and likely never again, will there be offered a sky-home such as this in Bayfront! After almost two years of renovation and decorating by one of Naples foremost interior designers, this home is being presented for your consideration. Offered as you see it, with no restrictions, this breathtaking property will satisfy your most discriminating assessment. Opening to the grand foyer, Brazilian cherry floors inlaid with onyx will impress your most jaded guests. A shower, sized for several people, is fitted with a commercial steam unit and finished in onyx. Furnishings and finishes usually reserved for homes costing two and three times this offering price will be found in every room.

The discerning owners and decorator selected only the finest of materials to create a home exceeding any expectations for an in-town waterfront residence offered at this price. Please listen to the virtual tour at http://www.circlepix. com/home2/P2HBGL and schedule a personal introduction at your convenience.

$1,999,900 Contact Jay Shaplow (239) 287-0005 or (239) 949-3994 jshaplow@comcast.net