CPP Nov Dec 10

November | December | 2010 | 1 November | December | 2009 | 1

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ESTERO | BONITA SPRINGS | NAPLES
NOVEMBER | DECEMBER 2010

Market Shows Promise for Homes $1 Million and Up
The Southwest Florida real estate market faced some significant challenges in the third quarter. The first time home buyer tax credit ended at the end of June, for one thing. We knew that would cause sales to fall off a little bit in the third quarter. News of the oil spill in the Gulf also caused a slow down, despite the fact that the oil never came ashore in our part of the state. My point is, we had a lot to overcome during the third quarter, yet the statistics seem to promise that we are already bouncing back. Closed sales dropped slightly, which we expected, but there were also some encouraging findings. Life appears to be coming back into the real estate market for homes priced at $1 million and up, which is big news, considering that the primary focus in the market has, for a while now, been on competitive pricing. Furthermore, inventory has dropped to less than a year’s supply, and new listings are down as well, which seems to indicate a balanced market. You may remember the impressive increases in closed sales during the first two quarters of 2010. There were 2,470 closed sales during the first quarter for Naples, Bonita Springs, and Estero, 43 percent more than first quarter 2009. The number of closed sales increased another 20 percent during the second quarter, to 3,099. We expected to see dramatic increases like this as the first time home buyer tax credit neared its end, of course, and we also expected that sales would drop sharply in the following quarter. As it turned out, though, third end of the third quarter, we had 9,834 homes on the market, which is less than a year’s supply – an amount that is generally considered to be a balanced market. As we come into our busy season, the number of new listings have gone up, but still remain substantially lower than in previous years: During the third quarter, we were seeing 1.6 new listings to every pended sale, up just slightly from 1.3 in the previous quarter. (Compare this to 4.7 new listings per pended sale during third quarter 2007.) The third quarter was the most promising for sales of homes over $1 million, however. The number of closed sales in this category has now increased for four straight quarters, which has also generated a slight increase in the average and median sales prices. This shows an increasing confidence in the market, since the category has suffered a pretty significant slow down as emphasis was placed on more competitive pricing. Although the third quarter statistics do show some expected setbacks due to the oil spill and the end of the home buyer tax credit, the news is largely good. With a much healthier level of inventory and increasing confidence in the $1-millionand-up category, the market is gaining strength as we go into our busy season. The numbers never lie! To discuss the current trends in more detail, or to gain more insight on how they will affect your plans to buy or sell during the next quarter, please don’t hesitate to call me. Please be sure to see the charts and graphs in our Special Market Reports insert.

Estero /Bonita Springs/Naples Luxury Real Estate Expert

D. Michael Burke, p.a.

quarter didn’t suffer as much of a slow down as one might think, given the end of the tax credit and the concerns over the oil spill. There were 2,049 closed sales, which is of course a substantial drop from the 3,099 of the second quarter – but not bad when you consider that in the same quarter last year, there were only 2,304 closed sales. More importantly, though, inventory remains low. At the

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Tuscany Isle At The Colony, Bonita Springs Tuscany Isle At The Colony, Bonita Springs

3339. Beautiful custom estate home with outstanding architectural features throughout located in a private enclave in the pristine community of The Colony. Boosting 6,234 sf under air, 11,116 total sf, 4 bed+den, 5 ½ baths and tropical, tranquil lake views and golf course beyond. This estate home will take your breath away from exterior’s pre-cast stone, columns, accent trim to interior’s exquisite decorating, with marble floors, crown molding, faux paint, butler’s pantry, custom built-ins, zero edge pocket doors, coffered ceilings. Dramatic 2-story living room, fireplace, picture windows with tropical views beyond the open lanai with summer kitchen and gas heated zero-edge pool/spa to the lake. Extravagant marble stairway, rod iron/wood railing leads to the loft with 2 bedrooms, private baths and balconies. Gourmet kitchen, custom cabinetry, accented island, granite, stone backsplash tile, built-in paneled state-of-the-art appliances, stainless steel double oven, 6-burner gas stove top. 1st floor master suite, sitting area, luxurious master bath, center jetted tub surrounded by granite, tile and shower. Offered at $2,599,000. Call Michael 239 498-7600.

5462. Gorgeous sprawling custom estate home with outstanding architectural features, extravagant upgrades and attention to detail throughout. Located in a private neighborhood in the pristine community of The Colony. 4,772 sf under air, 10,914 total sf, 4 bed+den, 4 full and 2 ½ baths, 4 car garage. Relish in the exterior’s columns, landscape lighting, mahogany front door and lanai with fireplace, finished wood dome ceiling, travertine stone floor, summer kitchen. Interior’s exquisite decorating, travertine and marble floors, crown molding, custom built-ins, zero edge pocket doors, coffered ceilings. Living room, fireplace, vast miter windows with tropical views beyond the open lanai’s heated custom built-in pool/spa and fountains to the expansive lake. Gourmet kitchen, butler pantry, custom cabinetry, granite countertops, stone backsplash tile, built-in paneled state-of-the-art appliances, 6-burner gas stove top. 2 guests bedrooms with private baths and additional guest cabana with private entry off lanai. Master suite, sitting area surrounded by windows, luxurious master bath, jetted tub, granite and large walk-in shower enclosed with marble and tropical private atrium beyond. Offered at $2,550,000. Call Michael 239 498-7600.

To have Your Home Featured In the Next Issue Call D. Michael Burke, P.A. 239.498.7600

24851 South Tamiami Trail, Suite 1 Bonita Springs, FL 34134

Keller WIllIAMs elITe reAlTY

www.CoconutPointRealEstate.com
Web site owned and maintained by Michael Burke of Keller Williams Elite Realty, Bonita Springs, FL 34134

To:
PRSRT STD. U.S. POSTAGE PAID FT MYERS, FL PERMIT NO 815

2 | November| December | 2010

Healthy Living
By Pastor Ed Ivie, Lead Pastor, Living Waters Community Church
Have you ever really thought about how much we hate to be interrupted? I know for me I can get really focused at times and do not want to be distracted away from what I am doing. Interruptions come in all different shapes and forms. Interruptions are just part of life. How do you handle the interruptions of life, especially when things do not seem to be going your way? There have been plenty of moments in my life where I have felt like my time and work were being infringed on only to find out later that it was an opportunity in camouflaged. As we move into the holiday season I am reminded of the first Christmas. It is truly a story about interruptions. Mary, a virgin girl who was to marry Joseph, finds out that she is pregnant having never slept with a man. Interruption.

Living Waters Loves ...
Please, Don’t Interrupt Me
Joseph has his life planned out, knows where he is going until the unthinkable happens. Interruption. The shepherds, wise men and innkeeper all experienced interruptions. These were not normal everyday interruptions, however, these were God interruptions. It was a loving God intervening in the lives of men and women by sending His Son Jesus as the Savior for all mankind winning back the heart of humanity and restoring our relationship to God which had been separated by sin. Perhaps your interruptions could be part of God’s plan for your life. Take time to stop and think and see if God is trying to get your attention. Maybe your interruptions are really opportunities in disguise for you to know Jesus Christ the Son of the living God. Merry Christmas.

Living Waters Community Church, 27911 Vermont Street, Bonita Springs, FL 34135 www.livingwaterscc.com

Stay Centered And Stress-Free This Holiday Season
(ARA) - One of the best parts of the holiday season is spending time with loved ones, relaxing and catching up over dinners and celebrations. Finding gifts for everyone on your list, wrapping presents and sending out holiday cards may not seem stressful on the surface, but according to a recent survey by Lindt Chocolate, more than half of women say these are the most stressful parts of the holiday season. While these are often necessary holiday tasks, they can be draining and take the focus off of unwinding and truly enjoying the season. It's important to remember to re-center and destress during the holiday season - after all, it is the most wonderful time of the year. While techniques for doing so may differ, one in three women say they would indulge in premium chocolate to de-stress during the holiday season. While tackling the most daunting tasks of the season, following these tips can help you feel more centered: * Save time and paper by sending holiday e-cards with a favorite family photo, instead of mailing cards. Friends and family will surely appreciate the personal, eco-friendly gesture, and it will also help save money. With 55 percent of women saying financial stress keeps them from having a stress-free holiday season, saving a few dollars can make a huge difference. * Forget about dealing with the finicky tape dispenser and wrapping paper and channel the stressful holiday "chore" of wrapping to a good cause. Spend a small fee and have presents wrapped by a local store or mall. The fee is often donated to a local charity, and it will be a feel-good, justifiable expense. You can also purchase elegant, ready-to-gift options which save you even more time and look beautiful. * Since 31 percent of women say lack of ideas for holiday gifts has gotten in the way of having a stressfree holiday season, opt for simple gift cards. Add a personal touch by adding the recipient's favorite chocolate, like a smooth-melting Lindor Truffle to replace a traditional bow. * While purchasing gifts for everyone this year, enter friends for a chance to win $5,000 from Lindt by buying them a bag of Lindor Truffles. This simple gesture could make a loved one's dreams come true this holiday season, with the help of a cash prize. For more information about Lindt and the "What's at the Center of Your Dreams?" giveaway, visit www. Lindt.com.

It’s important to remember to re-center and de-stress during the holiday season – after all, it is the most wonderful time of the year.

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EstEro | Bonita springs | naplEs

AVENUE1410 166-0
TM

Timeless cool

/
TM

Radio. Different.

Publisher Joyce Bunting [email protected] executive editor D. Michael Burke, P.A. [email protected] Assistant editor Shelly Burke [email protected] Market report editor Justin Jordan [email protected] street Address CoconutPointPress.com 24851 South Tamiami Trail, Suite 1 Bonita Springs, FL 34134 Call 239-498-7600 Or visit us on the web at www.CoconutPointPress.com

It’s Current, It’s Classic It’s Timeless Cool!
The Avenue is a multi-genre mix of music featuring a balanced blend of classic, contemporary cool that you won’t hear anywhere else. We call it Timeless Cool. We think that you’ll nd it refreshing and di erent, The Avenue is a mixture of vocal based jazz and blues designed to reach upscale, well educated adults 35 and older.
Find us on the dial in Lee County @ 1410AM and in Collier County @ 1660AM

www.avenue a.com

verb 1 [trans.] prepare (food, a dish, or a meal) by combining and heating the ingredients in various ways. Shall I cook dinner tonight?

cook | koŏk |
Homemade Beef Stew Bacon-Wrapped Potato Bites With Spicy Sour Cream Dipping Sauce

November | December | 2010 | 3

Apple Crisp

Ingredients 2 pounds beef stew meat, cut into 1½inch cubes and patted dry 2 tablespoons whole-wheat flour Kosher salt and freshly ground pepper to taste 3 tablespoons olive oil, divided 4 cups low-sodium vegetable broth 1 medium Florida onion, chopped 2 medium Florida tomatoes, diced 1 tablespoon fresh Florida thyme leaves, or 2 teaspoons dried 6 Florida carrots, peeled, halved lengthwise, cut into 1-inch pieces 3 medium Florida potatoes, peeled and cut into 1-inch cubes ¼ cup minced Florida parsley leaves Method In large bowl, toss beef cubes with flour, salt and pepper. Warm 1 tablespoon oil in large, heavy saucepan. Add half of the meat in a single layer without crowding the pan. Brown on all sides, about 5 to 7 minutes. Remove beef and transfer to a bowl. Add ¼ cup of the broth to pot and stir with a wooden spoon, scraping loose any browned bits on the bottom of the pan. Transfer cooking liquid to bowl with meat. Repeat cooking procedure with another 1 tablespoon oil and remaining meat. Add remaining 1 tablespoon oil to pot over medium-low heat. Add onion and cook 5 minutes, stirring occasionally. Return reserved beef and juices to the pan. Add remaining broth, tomatoes and thyme. If necessary, add water to cover. Increase heat and bring to a boil. Reduce heat to medium-low, cover and simmer 1 hour. Add carrots and potatoes to pan. Let simmer, covered, 45 minutes or until beef is very tender and vegetables are cooked through. Add water, if needed, to bring stew to desired consistency. Serve hot with biscuits and garnish with parsley.

Ingredients 1 pound small or medium red potatoes 1 1/2 teaspoons chopped, fresh rosemary 1 tablespoon olive oil 1/2 teaspoon salt Freshly ground pepper 12 ounces-to-1 pound thick-cut bacon 1 cup (8 ounces) sour cream 1 teaspoon hot sauce Method Preheat the oven to 400 degrees. Wash and dry the potatoes. Chop them into 1-inch pieces, keeping the chunks roughly the same size, even if they aren’t the exact same shape. Put the potatoes in a medium pot, cover with cold water, and bring to a boil. Season the water with salt. Once the water begins to boil, cook the potatoes for about 3 to 4 minutes, until you can stick a fork into them without too much resistance. You want the potatoes to be almost, but not fully, cooked through (so they won’t fall apart during the next steps). Drain the potatoes and put them in a large bowl. Add the rosemary, olive oil, salt, and a few grinds of pepper, and toss until the potatoes are evenly coated. Cut the strips of bacon in half (with a short, vertical slice). Wrap each piece of potato in a half-strip of bacon, securing it with a toothpick. Put the potatoes on a baking sheet lined with parchment paper or aluminum foil. You may need to cook the potatoes in two batches. Cook the potatoes for 15 minutes, then flip each piece. Cook for another 10 to 15 minutes, until the bacon is cooked through and crisp. Mix the sour cream and hot sauce in a small bowl. Season with salt and pepper. Pile the potato bites on a plate and serve alongside the dip.

Ingredients 1 cup all-purpose flour 3/4 cup rolled oats 1 cup packed brown sugar 1 teaspoon ground cinnamon 1/2 cup butter, softened 4 cups chopped peeled apples 1 cup sugar 2 tablespoons cornstarch 1 cup water 1 teaspoon Spice Islands®, All Natural, No Corn Syrup Added, Pure Vanilla Extract Vanilla ice cream, optional Method Photo by: Taste of Home 8 Servings Prep: 20 min. Bake: 1 hour In a bowl, combine first four ingredients. Cut in butter until crumbly. Press half into a greased 2-1/2-qt. baking dish or a 9-in. square baking pan. Cover with apples. In a saucepan, combine sugar, cornstarch, water and vanilla; cook and stir until thick and clear. Pour over apples. Sprinkle with remaining crumb mixture. Bake at 350° for about 1 hour or until the apples are tender. Serve warm, with ice cream if desired.

239-948-1147
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Happy Thanksgiving!

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4 | November| December | 2010

Sharing ... Design “Tips of the Trade”
with Georgina Ryan ... Local Interior Design Expert
Ryan Design Group has the Interior Decorating and Design skills necessary to assist you in creating the Image and Lifestyle you have always wanted. This Design Group led by Georgina Ryan, President and Lead Designer who is servicing clients from Naples and the Keys to Boston and Cape Cod. She is a member of the Interior Design Society and has over 28 years of industry experience in Interior Design and has an extensive background in project management. She is highly accomplished in the arts and design field having received local and national recognition with numerous awards and featured publications. Ryan Design Group has a business model focused towards the discerning tastes of the sophisticated client who is looking for top quality service and outstanding design abilities. Georgina attributes the continued success of Ryan Design Group to the consistency of service and attention that she and her design staff give to each individual client. Georgina would love to hear from you! [email protected] ; Office 239-992-5800 or visit her website at www.RyanDesign.Net

The New Trend is You
Wanna be trendy? Then be yourself! Decorating trends have been consistently moving toward more personal styles. Which means there are fewer rules to follow. You get to choose pieces that feel good to you. Not because they are the correct items to fit a certain style, but just because you like them. Choose One-of-a-Kind Elements Opt for custom-designed furniture. Instead of shopping at mass-produced furniture stores, have a piece of furniture custom-designed for you. Customized furniture is becoming more and more popular. Imagine having a sofa or table that is the perfect size, shape, color, and pattern – and with all the exact details you want! Reinvent existing pieces. You can add tassels and trim to upholstered items, apply unique moldings to tables and cabinets, or paint wooden furniture. Shop at flea markets, antique fairs, and estate sales. The pieces you find will be much more unique than what you get at the usual store. Create your own accessories. The interest in hand-crafted materials continues to grow. So why not craft your own piece? It will not only be one-of-a-kind, but it will have special meaning to you and your family – and be a great conversation starter for guests! Use a designer. Professional designers and decorators have access to many more resources than you have as a homeowner. They are able to help you select and create a truly customized pieces from a wide variety of fabrics, trims, and other materials. When you combine new technology with your own imagination, you can create a truly distinctive, one-of-a-kind home. How trendy. How YOU!

November | December | 2010 | 5

Simply Puzzling
Crossword!
Across 1. Spoil 4. Highly excited 8. Land measure 12. In this place 13. Starchy plant 14. Sedimentary rock 16. Exhort 17. Arab ruler 18. Heathen 19. Surly 21. Type of meat 23. Despatch 24. Optic 25. Object of worship 27. Prevarication 29. Iniquity 30. Long fish 31. Also 34. Intense dislike 37. Adverse criticism 38. Chafe 39. Finished 40. Seabird 41. Inventor of this pen 42. Trash can 43. Couple 45. Pass by, in time 47. Peculiar 48. Edge 49. Principal 50. Type of fish 51. Desperate 52. Appropriate 55. Celestial body 58. Level 60. Stately 62. Dart 64. Adjoin 66. Complain 67. Pretext 68. Replete 69. Redact 70. Facilitate 71. Woody plant 72. Mesh Down 1. Festive 2. Debate 3. Coral ridge 4. Consumed 5. Frolic 6. Type of window 7. Bloodshed 8. Small snake 9. Pursue 10. Fury 11. Panache 12. Enormous 15. Conclusion 20. Basketball number 22. Insect

sudoku!

26. Carried out an action 28. Kind or sort 29. Stray 30. Moose 31. Journey 32. Belonging to us 33. Woodwind 34. Tramp 35. Eager 36. Keep watch 37. Animal coat 40. Target 41. Prohibition 43. In favor of 44. Assistant

45. Hearing device 46. Form of security 49. Unit of time 50. Traverse 51. Suspend 52. Dwelling 53. Twisted hair 54. Portable shelter 55. Droop 56. Genuine 57. Elaborate song 59. Immense 61. Portent 63. Small 65. Golf peg

Puzzle Answers on page 15

1. During the middle of the meal, turn to mom and say, “See mom, I told you they wouldn’t notice that the turkey was four months past its expiration date. You were worried for nothing.” 2. When everyone goes around to say what they are thankful for, say, “I’m thankful I didn’t get caught” and refuse to say anything more. 3. Load your plate up high, then take it to the kitchen, toss it all in the blender, and take your “shake” back to the table. Announce that it’s the new Thanksgiving Weight Loss Shake 4. Prepare a several hour long speech to give when asked about your thankfulness. If necessary, insist that no one leave or eat until you have finished the speech.

Guaranteed Methods To Redirect the Conversation At Thanksgiving Dinner

• Breakfast • Lunch • Dinner • NOW SERVING: • Dessert Paninis • Beer & Wine!

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• • • • • • • • • • • • Coffee Service Gourmet Coffee Pastry Platters English Teas Customer Appreciation Card Gourmet Chocolates Free WI-FI Service Chai Teas Free Pet Water Bowls Cocoa Live Entertainment Smoothies Your order of $10 or more. Not valid on Merchandise purchases. Cannot be combined with any other offer. One coupon per family. Must be original coupon.

¾ Brewista Coffee House offers our customers only the finest Coffee available using top quality beans from around the world. ¾ Our Teas are imported from England offering a richer and fuller tasting tea. ¾ Try our Chai Teas, all natural Fruit Smoothies with no preservatives or additives, Gourmet Cocoa, Incredible Pastries & Desserts and Gourmet Chocolates. ¾ We offer FREE WI-FI Service to our customers and for customers joining us outside with their pets we offer free Pet Water bowls and doggy treats. ¾ We can cater your meetings for up to 30 guests in our establishment. Please see Shellanne for details. ¾ We offer live entertainment on select weekend nights, please look for postings of dates. ¾ Come join us. Relax and enjoy our Old World Style Atmosphere.

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239-495-5500

6 | November| December | 2010

Green May Be The New “Black”… But This Isn’t What They Meant
If you’ve lived in Florida for more than a day, you’ve likely walked into a home that smelled a little ‘off’, a little musty. Many people dismiss the odor as just the humidity… it just comes with living in Florida. The truth is that musty smell isn’t normal, it won’t go away and it could be causing you health problems such as: • Allergies and Infections • Mold can irritate mucous membranes • Volatile compounds (VOCS) produced by mold can cause headache, attention deficit, inability to concentrate and dizziness • Some molds produce toxins that can suppress your immune system, with systemic effects on your skin, lungs and intestines. Both the National Association of Home Builders and The U.S. Environmental Protection Agency agree, the only way to control indoor mold growth is to control moisture. And, an ounce of moisture prevention is worth several pounds of reaction. If mold does have a chance to infest your home, the toll that it can take on your pocket book, health and the future value of your home can be devastating. In Florida, the two most common causes of mold are humidity and water intrusion. The good news is that when leaks are fixed quickly, you can easily avoid the headaches and hassles of a mold problem. Your air conditioning system can be your first line of defense against the Florida humidity. When allowed to run on auto, the air conditioning unit is naturally removing humidity from your home. The system does need regular maintenance, including sanitizing the cooling coils, emptying the drain pan, and properly changing filters. Many air conditioning contractors offer a maintenance agreement so that you have one less thing to worry about. Besides high humidity, the most common cause of mold is water intrusion – which can come from several sources inside and outside the home. Here are the most common signs to look for: 1) Condensation or rusting around a pipe 2) You can hear running water, when nothing is turned on 3) Running toilets and dripping faucets 4) Abnormally high water bills 5) Discolored or damaged walls 6) Warped flooring 7) Condensation on or around your windows If you are not sure, trust your nose. If you notice a damp, unpleasant smell, call your contractor immediately to locate the leak and repair it immediately. The longer a leak is present, the more likely mold will surface. PBS Construction has been serving Southwest Florida since 1986. With 3 LEED Accredited Professionals and a Certified Mold Inspector on staff, the firm is well equipped

Home Hints



to handle all of your green needs. For more information contact John Buehler at (239)643-6527 or JBuehler@ pbscontractors.com.

To all Realtors:
During recent home inspections, an issue has arisen that we wanted to bring to your attention. When completing the Wind Mitigation Inspection, which we include at no cost with any single-family home inspection, we have to document the permit number to verify an updated roof. A roof installed after February 2001, can result in a very nice discount for homeowners insurance. If there is no permit found, your client will not receive credit for the roof. This could cause problems when attempting to secure homeowners insurance on a particular property. It could result in much higher premiums than expected or problems with getting homeowners insurance at all. In addition, sometimes a roof is installed without a permit or the permit is not closed, which means there is no county inspection. As a result, the roof may be considered not in compliance with county codes. In some cases, Collier and Lee counties are following up on un-permitted improvements on houses and charging back the permit costs to the current owner, which could fall on your client. We suggest that the permits are investigated and considered prior to entering into a contract to purchase the property. If no permits are on file, the seller can produce the appropriate documents from the roofing company in order to verify the installation information on the roof. There is also a process by which the seller can “cure” the permit problem by having an inspection done by the county, and as a result a permit can be open and closed, at this time. You may check permits issued on properties locally at www.leepa.org for Lee County and http://apps.colliergov. net for Collier County. If you have questions please contact us: Kevin and Jennifer Barry, Orion Home Inspections Inc., 239-898-2939 or [email protected].

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Inc.
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Alan R. McCrank

www.leecountyappraisers.com www.bonitaspringsappraisers.net
239-571-1706 [email protected]

Professional Appraisal Services
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November | December | 2010 | 7

REAL ESTATE .com
ESTERO | BONITA SPRINGS | NAPLES
Grandézza, Estero

6246. Enjoy this beautiful great room floor plan with, 4 bedroom+den, 2 bath, 2291 under air, 3159 total sf. Numerous upgrades, impressive tray ceilings, tile on diagonal, hardwood and carpet flooring, decorator ceiling fans/fixtures, 8ft solid doors, plantation shutters. State-of-the-art kitchen, stainless appliances, built in oven, rich granite countertops, tile backsplash. Fabulous expanded lanai with builtin electric heated pool/spa offering tranquil, private preserve views. Offered at $454,900. Call Michael 239-498-7600.

8933. Estate home with 4 bed+den, 4.5 baths, 3495 under air, 4867 total sf, with 3-car garage. Beautiful, spacious home with numerous upgrades. Tile in main living, crown molding, silhouette blinds, window treatments, variety of tray ceilings formal dining and living room. Gourmet kitchen, built-in stainless appliances, paneled cabinetry, breakfast nook with dramatic miter windows. Family room corner-corner sliders leads to expansive paver lanai, built-in pool/spa with gorgeous lake views. Offered at $1,000,000. Call Michael 239-498-7600.

Grandézza, Estero

Grandézza, Estero

4114. Beautiful spacious great room floor plan, 3 bed+den, 3 bath, 3-car garage, 2655 sf under air, 3700 total sf. High ceilings, archways, niches, tile in main living areas, window blinds. Kitchen w/42” cabinets, decorative tile backsplash, breakfast nook. Grand great room with sliders leading out to the paver lanai, built-in pool/spa, flower bed, beautiful tropical landscaping and golf course views beyond. Master bedroom w/two closets, exquisite French door entry to the lanai and private master bath, w/large tiled walk-in shower. Offered at $499,000. Call Michael 239-498-7600.

2633. 3 Bed+Den, 3.5 Bath, 3,014 under air, 5,693 total sf courtyard home w/beautiful expansive views of lake, golf course & woods. Numerous upgrades thru-out, crown molding, plantation shutters, tile, hardwood floors, custom built-ins, Bose surround sound. Stunning gourmet kitchen, w/granite countertops, 42” cherry cabinets w/crown molding, decorative tile. Offered at $699,000. Call Michael 239-498-7600.

Shadow Wood at the Brooks, Bonita Springs

Spring Run at the Brooks, Bonita Springs

1651. Turnkey, immaculate first floor 2 bed, 2 bath, 1376 sf under air, 1788 total sf coach home with attached. Perfect for the avid golfer offering bundled golf. Spacious kitchen, raised white cabinetry and appliances opens to living room with wall-wall sliders leading to the tiled lanai with decorator ceiling fan with gorgeous vast lake views. Located in Spring Run located within walking distance to the new Coconut Point Mall with shopping, movie theater and fine dining. Offered at $209,000. Call Michael 239-498-7600.

1690. Turnkey PLUS included 2002 Chrysler Sebring convertible, first floor, 3 bed, 2 bath, 1654 sf under air, 2000 total sf carriage home with attached garage. Tile, carpet, window blinds throughout. Spacious kitchen, with breakfast area open to living room and wallwall sliders leading to the lanai offering tropical views of golf course and beautiful 53 sf club house. Master bedroom with private entry to lanai, nice size private bath and large tile walk-in shower. Enjoy this condo located in Sabal Palm, a subdivision Grandezza, offering it’s own private pool and community center. Offered at $189,900. Call Michael 239-498-7600.

Grandézza, Estero

Villa Trevi - The Colony, Bonita Springs

3083. Stunning 2-story Villa in private enclave of The Colony, 4 bed, 4.5 bath, 3685 under air, 6363 total sf. Gorgeous Mediterranean architecture, tropical courtyard, lush landscaping, cabana, built-in pool/spa with views of sprawling lake. Offering only top of the line upgrades and designer decorated throughout. 1st floor with marble floors upon entrance, rich hardwood flooring in the living, dining room. Fabulous gourmet kitchen, double stainless steel built-in refrigerator and wall ovens, granite counter-tops, gas 6-burner stove with griddle. 2nd floor with vast master bedroom, large dressing area, gorgeous bath and private French door entry to the beautiful terrace. 3 additional terraces and 2 guest suites with private baths, all offering tropical views. Short sale. Offered at $975,000. Call Michael 239-498-7600.

2314. Turnkey, second floor unit, 2+den, 2 bath, attached garage, 1811 under air, 2221 total sf Coach home. Beautifully decorated in a tropical décor, accented painted walls throughout, berber carpet, tile floors, decorative window treatments and blinds. Large kitchen, backsplash tile, white paneled cabinets, large eating area. Cozy living room with wall-wall sliders and tile lanai with tropical views of the golf course and tranquil lake, wooded and landscape area beyond. Enjoy a round of golf with this unit where bundled golf is included in the community of Spring Run. Offered at $295,000. Call Michael 239-498-7600.

Spring Run at the Brooks, Bonita Springs

Castella At The Colony, Bonita Springs

3111. 3 Bed, 2.5 bath quiet/private 6th floor penthouse for the distinguished buyer with 2373 sf, under air/2911 total sf with gorgeous views of Estero Bay/Gulf of Mexico. Decorated throughout with upgrades, including hand scraped maple hardwood floors, granite counter-tops, designer fixtures/ceiling fans, crown molding, tile. Kitchen, rich granite, high end built-in paneled appliances, wall oven, 5-burner cooktop, cherry recessed panel cabinets, under mount lighting, glass tile backsplash, just stunning. Two guest suites, with a unique Jackn-Jill connecting bath and one with entry to terrace. Offered at $599,500 Call Michael 239-498-7600.

8 | November| December | 2010

Spring Run at the Brooks, Bonita Springs

2265. Enjoy this 2nd floor, 2 bed, 2 bath, 1333 under air, 1511 total sf, Carriage home. Perfect for avid golfer with bundled golf and fantastic amenities. Vaulted ceilings, recessed lighting, upgraded carpet in main living areas, spacious eat-in kitchen. Large living room with sliders leading to the tile lanai with wonderful views of the golf course and lake. Conveniently located to airport, walking distance to Coconut Point Mall with shopping, casual and fine dining. Offered at $169,000. Call Michael 239-498-7600.

ESTERO | BONITA Choose success. Ch
Bonita Bay, Bonita Springs
3142. This 2 bed+den, 2 bath, 2050 sf under, 3467 total sf, Key West style home features an outstanding 1500 bottle climate controlled wine room w/tasting table. Discriminating details and custom finishes and upgrades throughout. Gourmet kitchen, built-in appliances, granite counters, cabinets w/crown and accented paned inserts. Great room with fabulous built-in entertainment center and impressive beamed ceilings and beautiful inlaid marble floors. Added bonus with lower level 4 car garage. Offered at $399,000. Call Michael 239-498-7600.

Few real estate agents are as driven as committees, this multi-million dollar prod involved. Whether you are selling or bu state-of-the-art marketing methods, inte satisfaction. His drive to succeed is tempe

Choose Michael Burke as your real estate agent, and sit on th
Shadow Wood at the Brooks, Bonita Springs
6295. 3 bed+den, 4 bath, 3525 sf under air, 6503 sf total. Featuring the builders custom designs & upgrades thruout w/variety of tray ceilings, crown molding, custom tile floor, tile inserts, miter windows, hand forged front door, plantation shutters, custom built-ins, designer decorated window treatments. Gourmet kitchen w/ stainless built-ins, 6 burner gas stove top, tumbled stone tile backsplash, granite counter-tops. 2 guest suites w/ private baths, master suite w/2 large walk-in closets, 4 section tray ceiling w/crown molding, Lanai w/pavers, summer kitchen w/built-in grill, refrigerator, sink. Fireplace & zero edge heated built-in pool w/cascading spa & fountain w/views of the 7th fairway, 2 large lakes & the 6th fairway beyond. Offered at $1,390,000. Call Michael 239-498-7600.

Rapallo at Coconut Point, Estero

3839. Mediterranean inspired 3 bed, 2 bath 1979 sf under air, 3142 total sf Villa. Stunning paver loggia w/rod iron fence, 10’ ceilings, tile, berber carpet. Kitchen, with café’ eating area, cabinets w/crown molding & drop lighting. Grand living/ dining room, expansive corner-corner sliders leading to the lanai/courtyard with built-in summer kitchen with large lake and soothing fountain views. Located in the resort style community of Rapallo At Coconut Point with numerous amenities. Offered at $339,000. Call Michael 239-498-7600.

Shadow Wood At The Brooks, Bonita Springs

2283. Furnished, Courtyard, 3 bed+den, 3 bath, 3154 under air, 5701 total sf, home. Rich in details and upgrades, with gorgeous views of golf course and woods beyond. Designer decorated, plantation shutters, window treatments, faux paint, hardwood, tile floors, built-in’s, plus much more. Gourmet kitchen, stainless steel appliances, built-in range, rich cherry cabinets w/crown molding, granite countertop. Formal dining and living room and beautiful den. Paver courtyard, built-in pool/ spa, flower beds. Offered at $799,995. Call Michael 239-498-7600.

Miromar Lakes, Miromar Lakes

9052. Custom home, 4 bed+den, 5.5 bath, 4355 sf under air, 6707 total sf. Marble & bamboo flooring, custom raised cherry cabinetry & built-ins, red onyx counter-tops, crown molding, surround sound, tray ceilings, the list goes on! Gourmet kitchen, 42”/48” cabinets, sub-zero refrigerator, 48” wolf dual-fuel oven/range, butler pantry. Lanai, zero edge pool, sun shelf, spa, kitchen, fireplace, pool bath, & private boat dock w/lake views. Exquisite 1st floor master suite & bath w/marble & cherry cabinetry & 2nd floor bedroom suite, bath, leisure room, kitchenette & terrace. Offered at $2,500,000. Call Michael 239-498-7600.

Grandézza, Estero
5029. Beautiful 2 bed+den, 2 bath, 1478 sf, 1904 total sf, Carriage home decorated in a tropical decor’ throughout. Tile, designer window treatments, decorative light fixtures/ fans, accented painted & papered walls, vaulted ceilings, radio/intercom throughout. Large kitchen, cabinets w/crown molding, rope lighting, breakfast bar, & large open window archway with views into the spacious living/ dining room . Master bedroom, large walk-in closet, expansive windows & private entry to the tile lanai with tranquil views of golf course and vast lake beyond. Offered at $209,000. Call Michael 239-498-7600.

LaScala - The Colony, Bonita Springs

2353. 4,260 sf under air, 5140 total sf, 3 bed+den, 3.5 bath designed by an artist whose vision for detail is masterful. Grand Foyer featuring a hand-painted mural with copper and gold accents. Living Room with a forever view of Estero Bay and Gulf of Mexico. Trellised ceiling, mirrored wall panels of the formal Dining Room, metallic glass inlays in the Kitchen and Family Room, and carved glass doors in the Den add a visual dimension unlike any. Master Suite with its European trim and two additional Bedrooms provide family/guest’s desired privacy. Offered at $1,727,000. Call Michael 239-498-7600.

Twin Eagles, Naples

2918. Build your own custom estate home on this large lot on the 10th fairway in this exclusive golfing community, w/two golf courses designed by Nicklaus & Player. Private community offers miles of scenic walking trails, biking paths, parks, gardens, 47,000 sf clubhouse, Har-Tru tennis courts, fitness club, dining & has hosted the ACE Group Classic & PGA Champions Tour! Offered at $99,000. Call Michael 239-498-7600.

Shadow Wood at the Brooks, Bonita Springs

9680. First floor, 2 bed+den, 2 bath Coach home w/attached two car garage located in a private exclusive community. Numerous upgrades, w/plantation shutters, blinds, crown molding, tile, decorative fans and electric shutters off the lanai just by a push of a switch. Kitchen w/decorative backsplash tile and breakfast bar looking into the warm casual dining area. Expansive sliders from dining and living room lead to tiled lanai with beautiful tropical views of the golf course and large lake. Offered at $289,900. Call Michael 239-498-7600.

Visit www.CoconutPointRealEstate.com for Additional Pictures of These and Other

November | December | 2010 | 9

Stoneybrook, Estero
9586. 4 bed+den, 3 bath, 3-car garage, 2609 sf under, 3706 total sf. on the end of a culde-sac. Formal dining, living room, casual family room, oversized 4th bedroom w/private bath, tile, miter window, intercom/stereo, rich 6” crown molding, decorative plant ledges. Sliding doors throughout leading to the lanai bringing the tropics indoors add to the appeal of this home. Lanai, built-in heated pool, pool bath and golf course, lake views with a SW exposure offering picturesque sunsets. Short Sale offered at $349,900. Call Michael 239-498-7600.

REAL ESTATE .com

SPRINGS | NAPLES hoose Michael.

s Michael Burke. A member of numerous local real estate ducer keeps tabs on the local market by staying intimately uying, Michael brings to the table strong negotiation skills, egrity, and the ambition it takes to achieve 100 percent ered only by his understanding of his clients’ needs.

Rapallo at Coconut Point, Estero
2640. Mediterranean inspired 3 bedroom+den, 2376 sf, 3712 total sf Villa. 2-story ceilings, plantation shutters, tile on diagonal in main areas, accented tile. Kitchen paneled cabinets w/crown molding, stainless steel appliances, granite counter tops drop lighting. Living room, wall-wall sliders leading out to the lanai w/private built-in pool, views of lake and fountain. 2nd Floor private bedroom & bath with jetted tub, kitchen area & spectacular loft leading to private balcony and tropical views beyond. 1st Floor master suite w/2 large walkin closets, private sliding entry to the lanai/ pool. Offered at $439,000. Call Michael 239-498-7600.

he side of suCCess.
Miromar Lakes, Miromar
0442. Great room floor plan in this beautiful penthouse with 3 bed+den, 3.5 bath 2832 under air sf, 3836 total sf, two car attached garage. Tray ceilings, rope lighting, gourmet kitchen w/stainless steel built-in appliances, gas 6 burner cooktop, tile backsplash. Stunning tiled wrap around balcony with outstanding lake views & private tiled balcony of the guest bedroom. Located in the exclusive community of Miromar Lakes with 700 acres of freshwater lakes, clubhouse, golf course, European spa, tennis courts and fitness. Offered at $599,000. Call Michael 239-498-7600.

6522. Gorgeous beach front and lake views in this 3 bed+den, 3.5 bath, 2429 under air, 2841 total sf. High ceilings, 5 ¼” crown molding, archways, tile in main living areas, security system, 2 lanai’s. Kitchen w/granite counter-tops, gas cook top, built-in wall oven, 42” cabinets w/ crown molding, tile backsplash. Living/dining area w/wall full of sliders leads to the tiled lanai w/tranquil lake, beach, clubhouse/pool views. Master suite, his/her walk-in closets, sitting area, entry to 2nd balcony and private bath w/marble vanity, roman soaking tub, large walk in shower. Two family/guests bedrooms, both w/private baths. Offered at $699,900. Call Michael 239-498-7600.

Mirasol, Miromar Lakes Beach

7190. Tranquil water and golf course views in this 3 bed+den, 3/2 bath custom home. Tile on diagonal, in-lays, built-ins, crown molding, tray ceilings, plantation shutters, zero edge sliding doors, fireplace, plus so much more. Gourmet kitchen, built-in appliances, cabinetry w/crown, granite countertops, gas cook-top. Breakfast room w/2-story cathedral ceiling accented in a wood finish. Master suite, sitting area w/tropical water views, walk-in closets. Master bath, makeup area, his/her granite vanities, step down walk-in shower w/tile and in-lays throughout. Lanai w/ summer kitchen, built-in grill, granite, built-in pool/spa and pool bath. Offered at $1,190,000. Call Michael 239-498-7600.

Shadow Wood At The Brooks, Bonita Springs

2862. First floor carriage home w/attached 2 car garage, 3 bed, 2 baths, 1647 under air, 2256 total sf. Beautifully decorated with a tropical décor. Newly installed bamboo laminate flooring in great room, dining & den, accented paint on walls w/artist added custom accent, window treatments thru-out. Kitchen cabinets w/crown, breakfast nook w/large windows & slider leading to lanai w/electric shutters. Spectacular views of an expansive lake, tropical landscaping & golf course. Seller willing to provide a $10,000 credit towards golf membership. Offered at $265,000. Call Michael 239-498-7600.

Grandézza, Estero

6239. Beautiful estate home, 3 bed+den, 3 ½ bath, 3-car garage. Lime stone flooring, custom built-ins, plantation shutters, crown molding, array of tray ceilings, designer window treatments and fixtures. Gourmet kitchen, maple cabinets w/crown, built-in appliances, granite countertops, stone backsplash, gas cook top. Great room, custom built-in entertain center, disappearing sliders expanding to outdoor living area w/built-in pool/rock style spa. Summer kitchen, built-in grill, granite countertop, gas fireplace. Master suite, sitting area, French doors to lanai. Luxurious bath with marble his/her vanities, center tub, walk-in shower surrounded in tile and in-lays. Offered at $1,250,000. Call Michael 239-498-7600.

Shadow Wood At The Brooks, Bonita Springs

5221. 3 bed+den, 3 bath, 3-car garage, 2505 sf, 4974 total sf home surrounded by tropical landscaping, numerous lakes and golf course views. Brazilian cherry hardwood floors, crown molding, 5 ½ wood base boards, plantation shutters add to the appeal of this home. Gourmet kitchen, cabinetry w/triple accented crown molding, built-in stainless steel appliances, cook top, granite counter-top, glass mosaic backsplash. Exquisite master bath, granite countertops, shower w/glass block enclosure and marble mosaic tile. Lanai, pool bath and built-in pool. Offered at $529,000 Call Michael 239-498-7600.

Spanish Wells, Bonita Springs

8805. Enjoy a resort lifestyle in this 3 bedroom, 2 bath, attached garage, 1732 under air, 2196 total sf coach home. 10’ ceilings, tile on diagonal, designer fixtures, plantation shutters and blinds. Spacious open-concept kitchen, stainless appliances, cabinets w/crown molding, granite counter-tops. Tile lanai with gorgeous tropical water with fountains and wooded views. This Mediterranean inspired Community offers an outstanding abundance of amenities. Offered at $275,000. Call Michael 239-498-7600.

Rapallo At Coconut Point, Estero

9440. Perfect layout for your family and guests in this 4 bedroom + den, 3.5 bath, great room floor plan with 2453 sf under air, 3150 total sf. Dramatic 2-story ceiling, 18” tile on diagonal, plantation shutters, designer window treatments and fixtures. Spacious kitchen, convection builtin oven, cook top, 42” cabinets, backsplash tile, granite counter-tops. Den and master suite on 1st floor with tray ceilings surrounded in rich crown molding. Gorgeous sprawling lake and wooded views from the lanai with builtin heated pool/spa offering complete privacy. Offered at $565,000. Call Michael 239-498-7600.

Shadow Wood At The Brooks, Bonita Springs

SW Florida Homes or Call D. Michael Burke, p.a. 239.498.7600 for More Information

10 | November| December | 2010

REAL ESTATE .com
ESTERO | BONITA SPRINGS | NAPLES
Shadow Wood At The Brooks, Bonita Springs
5784. 2nd floor condo with attached garage. 3 bed, 2 bath, 2040 sf, 2476 total sf. Carpet, tile, blinds, window treatments, high vaulted ceilings. Great room and breakfast nook both with vast sliders leads to the lanai with tropical landscaped views and golf course beyond. Master bedroom, vaulted ceiling, private entry to lanai, large walk-in closet. Ample room for your guests in the two additional bedrooms, with one extremely large in size which may also be used as a den or media room. Offered at $322,900. Call Michael 239-498-7600. 3864. Beautiful 3 bedroom+den, 3.5 bath, 3360 sf, 4753 total sf, Southern exposure courtyard, builtin grill, granite, built-in heated pool/spa, cabana, private bath. Rear patio with Eastern exposure offering tropical, picturesque views of sprawling lake and preserve. Designer window treatments, plantation shutters, tile, faux paint, crown molding, surround sound. Gourmet kitchen, custom maple raised cabinets with crown, builtin appliances, granite counters. Great room with custom wet-bar, backsplash tile. Exquiaite master suite and bath with continuation of tile flooring, his/her marble vanities, shower enclosed by miter glass, accent tile and in-lays. Offered at $949,000. Call Michael 239-498-7600.

Shadow Wood At The Brooks, Bonita Springs

Lighthouse Bay At The Brooks, Bonita Springs

4787. 2nd floor Carriage home, attached two-car garage 3 bed, 2 bath, 2316 sf, 2960 total sf, gorgeous tropical views of water and the preserve. Decorated in a tropical décor’, tile, berber carpet and attractive ledges throughout. Kitchen with raised panel cabinets, granite counter-tops, breakfast nook and sliding entry to the lanai with a stunning screened archway. Vast living room, dry bar, built-in cabinets, granite counter-tops and wall-wall sliders. Great amenities with bocce ball, clubhouse Lagoon pool/ spa, small boat docks, fishing pier, tennis, fresh water sunning beach. Offered at $300,000. Call Michael 239-498-7600.

5123. Beautiful views of large lake and golf course in this first floor, 2 bed+den, 2 bath end unit Coach home with attached garage. Lots of window exposure, window blinds, large tile throughout main areas and lanai. Living room with sliders leading to lanai, formal dining room and kitchen nook with additional entry to the lanai. Master bedroom, large walk-in closet and private bath. This residence is ideal for the avid golfer with the community offering bundled golf and 15,000 sf clubhouse, fitness room, 4 tennis courts, pool/spa with cabana. Offered at $257,000. Call Michael 239-498-7600.

Spring Run At The Brooks, Bonita Springs

Women’s Council of REALTORS® Bonita Springs-Estero Chapter Closes Record-Breaking Year
The Women’s Council of REALTORS® - Bonita SpringsEstero Chapter (W.C.R.) has a lot to be happy about as they close the 2010 year. Along with record-breaking membership enrollment, the group has also experienced growing attendance and has exceeded fund-raising expectations at its 2010 luncheons and events. The chapter also feels strongly about supporting communities in which its members work and reside in, and will continue giving back in the upcoming 2011 year. On April 8th and 9th, 2011, W.C.R. will be participating in the American Cancer Society’s Relay for Life, which is a life-changing event that gives everyone a chance to celebrate the lives of people who have battled cancer, remember loved ones lost, and fight back against the disease. W.C.R. Bonita Springs-Estero Chapter holds monthly business meeting member luncheons that are open to the public. The next monthly business meeting luncheon is scheduled for December 10, 2010 at the Club at Grandezza in Estero. In addition, the chapter is holding a new member orientation and social on November 19th at the Worthington Country Club. The W.C.R Bonita Springs-Estero Chapter’s membership is made up of REALTORS®, financial institutions and services, as well as affiliate members of all kinds. The chapter encourages the public to attend its events, as well as offers membership to all at a variety of levels. Its mission statement is: “We are a network of successful REALTORS® empowering women to exercise their potential as entrepreneurs and industry leaders.” For more information on upcoming events and membership, please visit www.wcrbonitaestero.com or call Rhonda Diner, of Coldwell Banker and current 2010 President, at (239) 633-4853. Article written and submitted by Nella DeCesare of WBN Marketing, and W.C.R. Bonita Springs-Estero Chapter member and Newsletter Chair.

As a little girl climbed onto Santa’s lap, Santa asked the usual, “And what would you like for Christmas?” The child stared at him open-mouthed and horrified for a minute, then gasped: “Didn’t you get my E-mail?”

A Sign of the Times
Jeanette Jolly
Mortgage Specialist

Serving all of Florida Naples, Bonita Springs, Estero & Ft Myers (239) 784-6516 phone (239) 331-4806 fax [email protected]

November | December | 2010 | 11

The Bonita/Estero Legal Real Estate Corner with Sharon Zuccaro
Sharon Zuccaro is a real estate attorney with the law firm of Henderson, Franklin, Starnes & Holt, P.A. in Bonita Springs. Her primary area of practice involves representing developers, sellers and buyers in commercial and residential real estate transactions. More specifically, Sharon concentrates her practice in matters involving finance, contracts, leases, closings and title insurance. Sharon can be reached at 239.344.1378 or via e-mail at [email protected].

Key Closing Checklist Items For Buyers
You have selected a property and have had your purchase contract offer accepted: Now what? A buyer’s purchase and closing experience will be less stressful and more efficient if one is prepared as he/she proceeds through the closing process. What follows are key closing checklist items for buyers. As one reads through the list, it will become apparent that closely monitoring deadlines are key to most checklist items. Said checklist items are not intended to be exhaustive and questions should be raised with an attorney, real estate agent, or title company, as applicable. 1. Home Inspection. The sales contract will specify what inspections the buyer is permitted to make and the deadline(s) to not only conduct same, but to request repairs. It is important for a buyer to pay careful attention to deadlines so as not to lose any contract rights. A home inspection is a very important checklist item which affords a buyer with pertinent information as to the property condition. Buyers should be mindful to select licensed inspectors. If the inspection report is unfavorable, a buyer, depending on the contract terms, may be able to require the seller to correct the deficiencies, obtain a reduction and/or credit against the purchase price or terminate the contract. 2. Mortgage Approval, as applicable. If the buyer’s obligation to purchase the subject property is conditioned upon loan approval, then the sales contract will typically specify within what time period the buyer will be required to make a loan application, as well as obtain loan approval. Additionally, the buyer will also need to timely provide a variety of financial information to the lender. If the buyer fails to (i) promptly make his/her loan application, (ii) act in good faith during the loan approval process, or (iii) timely notify the seller of loan declination, then the buyer could possibly lose his/her contract deposit. 3. Title Insurance. Title Insurance may be written favor of a proposed owner, mortgage lender or both. Please note that the lender’s title insurance provides no protection to the buyer. The contract will identify who is to obtain the title insurance and at whose expense. Usually there is a time period to obtain, review and raise title objections. If the buyer is financing, then the buyer should notify the closing agent of same so that the lender can timely obtain its mortgagee title commitment so as not to delay the process. If the buyer is not financing, the buyer should still obtain title insurance to confirm that the subject property is marketable. 4. Homeowner’s Insurance. It is always a smart idea to start shopping early for insurance. Insuring real property in Florida has become more difficult over the years since fewer insurance companies are insuring real property. If the buyer is financing, the lender will require it be included as a loss payee on the policy and also that the insurance company have a certain “rating”. If purchasing a condominium, a buyer should consider obtaining general liability and personal property insurance, since hazard insurance is obtained by the respective condominium association. 5. Survey. A lender will typically require a survey of the subject property, unless the property is a condominium. If the buyer is not financing, the buyer should still obtain a survey to determine whether any encroachments or setback violations exist. If any of such problems exist, the seller may or may not be required to remedy same at his/her expense prior to closing. The buyer should request a copy of the seller’s prior survey, but should always obtain his/her own. If the buyer relies on the seller’s survey and any error was made by the previous surveyor, the buyer would be prevented from raising an objection with said surveyor since such survey was not certified to such buyer. A buyer should also be mindful of the deadline to obtain a survey and raise objections, otherwise the buyer could lose contract rights. 6. Closing Documents. Closing and closing document preparation will typically be conducted/prepared through an attorney or title company. If the buyer has not engaged an attorney to represent him/her and review the seller conveyance documents, closing statement, title insurance, survey, and loan documents, as applicable, the buyer should closely review each of these items. The buyer should verify that his/her name appears correctly everywhere, that debits and credits are properly reflected, and raise any questions and/or objections with opposing counsel or the title agent. 7. Utility Transfer. The buyer should arrange for the transfer of applicable utilities to be effective the date of closing. The seller will normally disconnect the day of closing and a forgetful buyer could have mold issues for failure to turn on the electric during Florida’s hot summers. 8. Closing Funds. The closing agent will advise the buyer of the amount of needed funds to bring to closing. It is important for the buyer to verify with the closing agent the “form” of such funds. Closing funds are typically “guaranteed funds” and are in the form of a cashier’s check or wire transfer. 9. Final Walk Through Inspection. The buyer should perform the final walk through inspection as close to closing as possible. During same, the buyer should verify the property condition, as well as determining that all agreed upon repairs have been conducted and paid for. Having a closing checklist will keep a buyer organized and on task. Moreover, important contract deadlines will most likely not be overlooked, thereby avoiding a costly mistake.

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(239)643-6527 www.PBSContractors.com
CGC1517105

Providing clients with peace of mind through financial security.

Castle Financial
Financial, Retirement, Estate Planning and Money Management

Family Wealth Protection and Growth Strategy
Do You Have one?
Al Procaccino II, MBA
Registered Investment Advisor Certified Financial Planner TM Certified Fund Specialist President & CEO

We provide financial, retirement, estate planning services and a sensible, prudent approach to managing your assets.

The Colony, 4875 Pelican Colony Blvd., Suite 1401, Bonita Springs, Florida 34134-6952 Please call 239-947-9255 for a free consultation! [email protected] | www.castlefinancial.com
Securities Offered through Cadaret Grant & Co., Inc. Member FINRA/SIPC

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12 | November| December | 2010

Michael’s constant companions. If you see us out and about... please stop us and say hello!

Holiday Safety Tips From The ASPCA
Holly, Jolly and Oh-So-Safe! Of course you want to include your furry companions in the festivities, pet parents, but as you celebrate this holiday season, try to keep your pet’s eating and exercise habits as close to their normal routine as possible. And be sure to steer them clear of the following unhealthy treats, toxic plants and dangerous decorations: O Christmas Tree - Securely anchor your Christmas tree so it doesn’t tip and fall, causing possible injury to your pet. This will also prevent the tree water— which may contain fertilizers that can cause stomach upset—from spilling. Stagnant tree water is a breeding ground for bacteria and your pet could end up with nausea or diarrhea should he imbibe. Tinsel-less Town - Kitties love this sparkly, lightcatching “toy” that’s easy to bat around and carry in their mouths. But a nibble can lead to a swallow, which can lead to an obstructed digestive tract, severe vomiting, dehydration and possible surgery. It’s best to brighten your boughs with something other than tinsel. Feasting for the Furries - By now you know not to feed your pets chocolate and anything sweetened with xylitol, but do you know the lengths to which an enterprising fur kid will go to chomp on something yummy? Make sure to keep your pets away from the table and unattended plates of food, and be sure to secure the lids on garbage cans. Toy Joy - Looking to stuff your pet’s stockings? Choose gifts that are safe. • Dogs have been known to tear their toys apart and swallowing the pieces, which can then become lodged in the esophagus, stomach or intestines. Stick with chew toys that are basically indestructible, Kongs that can be stuffed with healthy foods or chew treats that are designed to be safely digestible. • Long, stringy things are a feline’s dream, but the most risky toys for cats involve ribbon, yarn and loose little parts that can get stuck in the intestines, often necessitating surgery. Surprise kitty with a new ball that’s too big to swallow, a stuffed catnip toy or the interactive cat dancer—and tons of play sessions together. Forget the Mistletoe & Holly - Holly, when ingested, can cause pets to suffer nausea, vomiting and diarrhea. Mistletoe can cause gastrointestinal upset and cardiovascular problems. And many varieties of lilies, can cause kidney failure in cats if ingested. Opt for just-as-jolly artificial plants made from silk or plastic, or choose a pet-safe bouquet. Leave the Leftovers - Fatty, spicy and no-no human foods, as well as bones, should not be fed to your furry friends. Pets can join the festivities in other fun ways that won’t lead to costly medical bills. That Holiday Glow - Don’t leave lighted candles unattended. Pets may burn themselves or cause a fire if they knock candles over. Be sure to use appropriate candle holders, placed on a stable surface. And if you leave the room, put the candle out! Wired Up - Keep wires, batteries and glass or plastic ornaments out of paws’ reach. A wire can deliver a potentially lethal electrical shock and a punctured battery can cause burns to the mouth and esophagus, while shards of breakable ornaments can damage your pet’s mouth. House Rules - If your animal-loving guests would like to give your pets a little extra attention and exercise while you’re busy tending to the party, ask them to feel

Featured Pets

free to start a nice play or petting session. Put the Meds Away - Make sure all of your medications are locked behind secure doors, and be sure to tell your guests to keep their meds zipped up and packed away, too. Careful with Cocktails - If your celebration includes adult holiday beverages, be sure to place your unattended alcoholic drinks where pets cannot get to them. If ingested, your pet could become weak, ill and may even go into a coma, possibly resulting in death from respiratory failure. A Room of Their Own - Give your pet his own quiet space to retreat to—complete with fresh water and a place to snuggle. Shy pups and cats might want to hide out under a piece of furniture, in their carrying case or in a separate room away from the hubbub. New Year’s Noise - As you count down to the new year, please keep in mind that strings of thrown confetti can get lodged in a cat’s intestines, if ingested, perhaps necessitating surgery. Noisy poppers can terrify pets and cause possible damage to sensitive ears.

Name: Chance ID #: 484794 Breed: Hound Mix Sex Male Age: 5 months old Color: Tri-colored Comments: I’ve had a ‘Ruff ’ start to my life. I was brought to Animal Services by a kind woman who found me lying in the middle of the road after being hit by a car. My leg was badly broken, I had a hairline fracture to my pelvis, and lots of road rash over my body. Through special funding from donations, I was able to have surgery and went to a foster home to recover. I was named Chance. It’s been about five weeks and now I’m back to health and ready to find a forever home. So what do you think? Would you like to give me another ‘Chance to find a good home. Adoption Fee: $75 or $50 during November when you donate an item from the shelter's Wish List. Names: Gator ID #: 185309 Breed: Maine Coon Sex: Neutered Male Age: 8 years old Color: Gray & White Comments: My owner moved and did not take me with her so here I am at the shelter looking for a new home. All of us pets need a second chance to find a good home. Please come visit me – I’m a very handsome, big boy that loves to give and get attention. If you scratch my chin I’ll love you forever! Adoption Fee: $25 or free during November when you donate an item from the shelter's Wish List.

November Adoption Specials
A November to Remember: Throughout November all pets are $25 off the regular adoption fee when you donate an item from the shelter's Wish List. For information about this week’s pets, call 533-7387 (LEE-PETS) or log on to Animal Services’ website at www.LeeLostPets.com. When calling, please refer to the animal’s ID number. The website updates every hour so you will be able to see if these or any other pets are still available. The shelter is open for adoptions from 11:30 am to 3:30 pm Monday through Saturday. The Shelter is located at 5600 Banner Drive, Fort Myers, next to the Lee County Sheriff ’s Office, off Six Mile Cypress Pkwy. All adoptions include spay/neuter surgery, age-appropriate vaccinations, rabies vaccination & county license if 3 months or older, flea treatment, worming, heartworm test for dogs 6 months & over, feline aids & leukemia test for cats, training DVD, 10 day health guarantee, and a bag of Science Diet pet food. The adoption package is valued at $500.

 Before you donate

WHEN TO CALL

 Moving (downsizing, out of state, into assisted living)  Estate Sales  Redecorating / Remodeling  Need to furnish a home

(239) 992-4330 o ce

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November / December Events
Bonita Springs • Estero • Ft. Myers • Naples
Gulf Coast Town Center: (Ft. Myers) Broadway Myers) Palm Dinner
Nov/Dec, Friday & Saturday, 7-9pm – Weekend concert series

November | December | 2010 | 13

Bonita Farmers’ Market (Bonita springs)

Nov/Dec, Sat 7am-12pm located in The Promenade with over 75 vendors.

Historic Old (Naples)

Naples

Walking

Tours:

Art Walk: (Bonita springs)

Nov 18, 5-8pm. Evening of art and entertainment in the center courtyard in The Promenade. Dec 16, 5-8pm. Celebrate the holidays with live entertainment, Santa and an array of art in The Promenade.

Theater:

(Ft.

For info and listing of shows visit www.BroadwayPalm. com or call 239 278-4422

Nov/Dec, Wednesdays 10am, Reservations Required. Walk along and listen to the history of Naples in the late 19th century. www.napleshistoricalsociety.org/ third-street.htm.

Barbara B. Mann Theatre: (Ft. Myers)

Third street Farmers Market: (Naples)

estero Fine Art show (estero) Germain Arena: (estero)

Nov 6 & 7, 10am–5pm. Located at Miromar Mall. Live artists demonstrations and entertainment. Nov/Dec, Home and Garden Show, Martial Arts Show, Gaither Homecoming. For dates, further shows & Everblades schedule & times call (239) 948-7825 or visit www.GermainArena.com.

Radio City Christmas Spectacular, A Christmas Carol. For info, and further shows visit, www.bbmannpah. com/index.php or call (239) 481-4849.

Saturday’s in Nov/Dec 7:30–11:30am. Located 1220 3rd St S. – parking behind Tommy Bahama’s. 239434-6533.

First Friday Concert: (Naples) Holiday stroll: (Naples)

Thursdays on Third (Naples)

Nov/Dec First Fridays 5pm. Live music at the Mercato Dec 4, 11am-4pm. Enjoy fine cars, entertainment, falling snow, carolers, face painting plus more. Dec 18, 5-8pm. Enjoy holiday entertainment, photos with Santa, carolers plus more. Further information visit www.mercatoshops.com. Located along the main street at The Mercato.

Nov/Dec, 6-9pm. Music and entertainment in the courtyards and plazas of Third St

Festival and Celebration of lights (Naples)
Nov 22 6-9pm. Annual tree lighting, carol singing, snow falling, Santa’s arrival, plus more on 3rd Street Nov 23 – 27th, 6-9pm. Celebration of lights continues with music and snow on 3rd Street.

Coconut Point Mall: (estero) santa’s Arrival (Ft. Myers)

Live entertainment located at Plaza Del Lago Dr. patio. Nov 6th 3pm. Santa, tree lighting ceremony and musical performances. Located In the Gulf Coast Town Center at Bass Pro Shops. Visit www.basspro. com for further information.

New Years eve Fireworks (Naples)

Historic Palm Cottage & Norris Gardens: Philharmonic Center: (Naples) 5833 Pelican (Naples) Bay. For more information and current shows visit
Nov/Dec, Tues-Sat 1-4pm. (239) 261-8164. www.philtickets.org/tickets/index.aspx or call (239) 597-1900.

Dec 31, 6-9pm. Fireworks at the Naples Pier at 7:30.

Important “239” Numbers
eMerGeNCY Police, Fire, Medical ...................................... 911 Lee County Ambulance (Non Emergency) ...............................................................335-1600 Lee County Sheriff (Non Emergency) ...............................................................477-1200 lee COuNTY eMerGeNCY MANAGeMeNT (Weather & Disaster Spills) ..................477-3600 Poison Control Center ....................800-282-3171 HOsPITAls: North Collier Hospital.............................513-7000 Health Park Hospital ..............................433-7799 CHAMBer OF COMMerCe (Local Area): Bonita Springs Area ..............................992-2943 Estero Area ...........................................948-7990 lIBrArY (local Area): Bonita Public Library .............................992-1043 Estero South County Regional Library ..390-3200 lICeNse (Lee County): Animal License .....................................432-2083 Boat Registration/Fishing License .........339-6000 Drivers License .....................................278-7192 VeHICle reGIsTrATION - Lee County ...............................................................339-6000 VOTers reGIsTrATION ...................339-6300 MeDICAl (Lee & Collier Counties): Gulf Coast Hospital - Ft. Myers .............768-5000 Lee Memorial Hospital - Ft. Myers..........332-1111 North Collier Hospital (NCH) Downtown Naples .................................552-7000 North Collier Hospital (NCH) North Naples .........................................436-5000 Poison Control Center ...................800-282-3171 NeWsPAPer Bonita Banner ....................................... 765-0110 Coconut Point Press .............................777-0473 Ft. Myers News Press ...........................335-0233 Naples Daily News ...............................992-3609 PuBlIC sCHOOls (Lee County): Edison Community College ...........800 -749-2322 Florida Gulf Coast University ..........800-590-3428 School District of Lee County ................ 334-1102 reAl esTATe serVICes Michael Burke P.A., Keller Williams Elite Realty ...............................................................498-7600 Homestead Exemption - Lee County.....339-6120 Property Appraiser - Lee County ...........339-6100 sOCIAl seCurITY ......................800-772-1213 sOuTHWesT FlOrIDA INT’l AIrPOrT ...............................................................590-4800 TrANsPOrTATION Airport Shuttle Service ..........................216-7777 Greyhound ............................................ 334-1011 Lee County Bus Transit ........................533-8726 u.s. POsTAl serVICe Lee & Collier Counties ....................800-275-8777 uTIlITIes (Lee County): Embarq ..........................................866-304-6820 eleCTrIC Florida Power and Light..................800-262-1322 FlOrIDA reCYClING & WAsTe ......332-8500 GAs serVICe - Teco (Peoples Gas) ........................................................877-932-6747 sOlID WAsTe - Lee County ...............338-3302 TelePHONe Sprint (Bonita) ................................800-699-0728 Sprint (Lee County) .......................800-339-1811 TV CABle Comcast ........................................800-432-4770 Time Warner .........................................574-2020 WATer/seWer Bonita Springs ...................................... 992-0711 Unincorporated Lee County ...........800-485-0214 VeTerINArIANs Florida Veterinary 24-Hour Emergency ........................................................239-992-8878

14 | November| December | 2010

Featured Columnist
This column is produced by the Financial Planning Association and provided by Al Procaccino, a member of FPA and Certified Financial Planner with Castle Financial.

www.castlefinancial.com For a free consultation call: (239) 947-9255

Looking For Tax Breaks, Anticipating What Will Bring Value In The Future
Though the housing market has yet to stabilize in many communities, homeowners can’t ignore property maintenance and other critical spending that will add to their home value in the future. Yet for most of us, the days of spending multiple thousands of dollars on a kitchen, bath or room addition expecting our market value will grow exponentially is much like the U.S. housing boom – over. Simply put, as Americans have been forced to get more realistic about using their homes as piggy banks, it’s time for similar realism about what improvements and renovations will pay off in a housing market with years of inventory to sell. Here are some steps to consider when improving your property in today’s market. Before you borrow or spend, get some advice on your overall financial picture: During the boom years of the housing market, people treated renovation as a financial fait accompli: Put in a $40,000 kitchen and add $60,000 to your selling price. Today, putting more money into your house requires a significant reality check. A financial planner can look at your overall savings and tax picture and give you an idea whether the dream kitchen you want is a worthwhile investment or if it’s time to downsize the job to a new sink. Check current values on the payoff your chosen renovation will have: Remodeling magazine’s annual Cost vs. Value report breaks down average cost and market return for projects large and small based on your region of the country. Their website is www.remodeling. hw.net. The current 2009-2010 report reports that upscale projects like a bathroom addition returns only about 60 percent of its cost in the current market; adding an attic bedroom would return 83 percent of

Renovating Smart In 2010
the cost. None of the projects in Remodeling’s annual survey currently break even. Consult Uncle Sam: The American Recovery and Reinvestment Act is still allowing taxpayers certain deductions and credits for energy-smart renovations to their property. For example, the Residential Energy Property Credit applies to taxpayers who install insulations, energy-efficient exterior windows and energy-saving heating and air conditioning with a maximum credit limit of $1,500 for improvements put in place through the end of 2010. It’s smart to consult your tax professional before going ahead on any of these moves in case Washington extends, limits or possibly increases these breaks for homeowners. Think about how long you’ll be in the home: If you want to get your money out of a renovation, keep in mind you’ll probably be waiting awhile. In August, the National Association of Realtors reported a plunge in home sales after the expiration of the federal home buyer tax credit. In July, existing-home sales were down 27 percent from June and a full 25 percent below the year-ago month. Most home sales experts are not predicting full stabilization for the U.S. housing in the market for at least six months. Beware the bump in property taxes: The great thing about a more valuable home is the potentially higher value when you sell. The bad thing is a visit from the county assessor – more valuable property tends to lead to higher tax assessments. Make sure you cannot only afford the cost of renovation, but what you’ll need to pay in higher taxes if your home is reassessed. Also, keep in mind that the fall in home values hasn’t led to lower taxes in many communities. Don’t forget to deduct applicable sales tax: If sales tax was imposed on a major renovation or if your state or locality imposes a general sales tax on the sale of a home or the cost of a substantial addition or major renovation, you might be able to deduct it. This alternative is particularly valuable in low-tax states, and the sales tax paid on the purchase of some large items including the purchase of a home or major addition can be added to the table amounts. Discuss this with your tax professional. Always check local valuations: A reliable and experienced local real estate broker knows what the market will bear. Talk to them about any anecdotal evidence they have about what renovations might be most sensible as your home market improves. You’ll also get a tutorial on what current buyers are willing to pay for based on the current attributes of your home. This column is produced by the Financial Planning Association, the membership organization for the financial planning community, and is provided by Al Procaccino, a local member of FPA.

Leslie Maloney
President Ofc (239) 992-2226 Cell (239) 580-7914

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November | December | 2010 | 15

Better Golf with “The Golf Doctor”
By Mike Calbot “The Golf Doctor” Golf Swing Analyst & Master Golf Instructor Director of Instruction at Old Corkscrew Golf Club 239.482.0900 - www.golfdoctorusa.com

Sponge Drill – The path to a better golf swing
The number one question that golfers ask me as an instructor is, how do I make a better golf swing? Well the answer to this question as any golfer who has been playing for a length of time could go for days. There are so many factors that relate to swinging the golf club but I will single one element that will work for the golfer who is struggling for some form of golf shot consistency. Every golfer that I work with has a little uniqueness to their motion, most because of their concepts and lack of instruction and of course their physical conditioning. Age is not an excuse for not hitting the ball consistently with good quality. Many golfers I teach who are in their seventies can shoot in the seventies on an average set up golf course and while playing the respective distance for their length of shots. What ever your age or ability here is one simple fix for your swing consistency. The SPONGE DRILL! Purchase a car was sponge that has the outwards appearance of the number 8. This sponge is to be places between your wrists and lower arms as you can see in photo #1. The object is to relax the grip pressure and wrists during the golf swing from the address position seen in photo #2 and then making a full golf swing while holding the

sponge. If you drop the sponge this tells you where you may have an issue in the motion or you may have a physical issue to attend to. Notice the position in photo #3 And top of swing #4 then impact #5 then the relaxed extension #6 to the finish in photo # 7. Practice this as often as you can and I will guarantee you will learn how the simple motion should happen. If you can not do this drill, seek help to learn why. If you have pain stop and see a doctor as you might have rotator cuff issues or you need to adapt some exercises to become more flexible. If you have questions regarding this golf tip please feel free to call me personally.

#1 Sponge grip close up

# 2 Set up

# 3 Takeaway

# 4 Top of swing

Puzzle Answers from page 5

# 5 Impact position

#6 Extension

# 7 Finish

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16 | November| December | 2010