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Michael Burke
Bonita Springs/Estero/Naples Luxury Real Estate Expert substantially, from 128 to 168. In addition to showing an increase from last year's data, Burke notes that the number of home sales in August 2008 also beat out the average for the month over the last decade. "If you take the number of home sales in August over the past nine years, you come up with an
FEATURED PROPERTY
offered by: Michael
Estero
H.3620 - Beautiful designer decorated 4 Bed+Den, 4.5 bath, 3495 under air, 4867 total sq. ft. Estate home w/countless upgrades. Tile on diagonal, tray ceilings, rope lighting, window treatments. Formal living, dining room & den w/double door entry w/stunning built-in. Gourmet kitchen, built-in appliances. 42" cabinets w/crown molding, family room w/expansive corner sliders opens the room to the lanai w/tropical wooded views beyond. Built-in pool/spa & grill, w/separate guest suite entry w/private bath off the lanai. Offered at $999,000. Call Michael Burke 239.777.0473
Michael Burke
To Have Your Home Featured in the Next Issue Call Michael 239-777-0473
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Your Money
DONT MAKE THESE RETIREMENT PLANNING MISTAKES
start retirement savings. But no matter how daunting debt or other spending priorities seem, you have to save for retirement on a regular basis, even if its only a cursory amount. Over time, those small assets will grow to something considerably larger. Failing to link planning for your at-work and personal retirement portfolios: One of the critical problems in retirement planning comes from failing to treat the investments you make at work versus the ones you make independently as a unified whole. Working with a financial planner can help you look at every place youre putting your money and finding out if youre implementing those assets in the right way. Failing to evaluate a prospective employers retirement options: Benefits can be worth as much as a nice paycheck. Its possible you might be working for a company that still offers a traditional defined pension benefit plan. If you think youre going to get an offer, its wise to interview prospective employers on the benefits side of what theyre offering you particularly the timeframes on when those various benefits kick in. Above all, company matching of any assets you place in your retirement funds is key as well as the vesting period for making those assets your own. Failing to update your beneficiaries: Non-spouse beneficiaries need to check with a tax expert when they must begin distributions from an inherited investment account. Of course, no matter what the investment, make sure your beneficiaries are always current. Failing to reinvest your tax refunds: Did you know you could deposit your tax refund directly into your retirement savings account? It works for a health or education savings account as well. While many people use their tax refund as a bonus to buy a treat or pay off bills, consider filing your taxes a bit early and arrange to e-file a direct deposit to your investment account(s) so you can note that deposit for the affected tax year by next April. Withdrawing money early from retirement savings account or blowing a rollover: Money taken out of a retirement savings account before the age of eligibility is subject to income taxes and a penalty. When moving assets, most of the time a trusteeto-trustee transfer can be more efficient and with less margin for error. Failing to contribute the maximum: Not every employee can afford to contribute the maximum allowed by their respective work retirement plans or individual retirement investments, but it should be a goal.
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November 2008
WIN $50
WHO SAID THIS?
The great question... which I have not been able to answer... is, What does a woman want?
The third caller with the correct answer will win $25
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 .
It really doesnt take much to derail a retirement plan. Most of the errors in planning for retirement are those of neglect, omission or panic. If you dont know exactly where your retirement plan stands, get some advice a CERTIFIED FINANCIAL PLANNER (CFP) professional is a good start to review your overall retirement options and give you some ideas where to start. Here are some common mistakes people make: Failing to start: It is amazing how many people find so many excuses and never
The fifth caller with the correct answer will win $25 Call 1-800-330-5709 Ext. 229
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BuSINESS
(NC)No matter what the size of your business, insurance should be a key part of your overall business financial plan. Every business has to protect its assets, including vehicles, equipment, inventory, employees and partners. Insurance can protect your business by providing funds to meet financial obligations if certain losses occur, including illness, disability or death of a key staff member, travel emergencies, customer defaults, property damage, theft or litigation. Business insurance needs are much more complex than that of insuring your car, states Paul MacDonald, senior vice president, Aon. Its important to look for a package that is personalized to meet the needs of your business. Many business people misunderstand their current insurance policies. For instance, if you operate a home-based business, your home-owners policy does not extend to protect your business. It is critical to protect your business with specific commercial property
and casualty insurance. Another type of insurance every business should have is liability insurance. Litigation is becoming more common in disputes, making liability insurance vital to protect your organization and employees from lawsuits. Commercial property insurance provides coverage for physical items that are owned by the insured such as commercial buildings and inventory. Commercial casualty insurance is a third party coverage responding to bodily injury, property damage or personal injury. Commercial general liability covers injury or property damage caused by you to others. It provides coverage for these exposures subject to certain exclusions that limit what is being insured. Business interruption policies assist businesses facing lost profits and ongoing expenses due to a property loss. Contingent business interruption insurance can protect
We want to know what you think of this newspaper. Do you have any ideas or suggestions on what you would like to see in our upcoming editions? If there is something, let us know. Either send us an email or send us a letter and we will try to include your suggestion in one of our future editions. The Editor, Sunshine Publishing 1851 Bowler Drive Pickering, Ontario L1V3E5 Canada Fax: 1-800-330-5709 E-mail:rc@homesnewspaper.com
1851 Bowler Drive PICKERING, ON L1V3E5 One Townline Circle ROCHESTER, NY14623
E-mail: rc@homesnewspaper.com Websites: www.Sunshine-Publishing.com Call or Fax Toll Free: www.SunshinePublishing.ca 1-800-330-5709 www.HomesNewspaper.com Sunshine Publishing produces monthly publications featuring familyvalue articles on a wide variety of topics. It is independently owned and operated and is not affiliated with any real estate association, board or company. Opinions expressed are those of the writers and not necessarily those ofthe Publisher or advertisers. The Publisher regrets any inaccuracies contained herein, but accepts no liability for damages arising out of errors in advertisements beyond the amount paid for the space actually occupied by the advertisement in which the error occurred, whether such error is due to the negligence of its servants or otherwise and there shall be no liability for noninsertion of any advertisement beyond the amount paid for such advertisement space. Errors must be brought to the newspaper immediately and before any subsequent insertion of the advertisement. The publisher will not be responsible for errors after the first publication of any advertisement. We reserve the right to restrict all ads to their proper classifications and to edit or reject any copy. Printed on Recycled Paper.
November 2008
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Even in children who dont skip meals, multivitamins fill nutritional gaps. Look for multivitamins without artificial preservatives or colors, like Lil Critters Immune C plus Zinc and Echinacea, which support healthy immune function
Fitness Tip
To climb steep hills requires slow pace at first. -Shakespeare, Henry VIII. Act I. Sc. 1 Walk 10 Minutes a Day and Increase Your Fitness Level Old thinking was to work out in a sweat-filled gym for hours a day. No pain, no gain. New studies show that even short bouts of activity can increase your fitness level, especially if youre new at working out.
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November 2008
Bring port wine and raisins to boil in a saucepan, then remove from heat, and set aside to cool. In a small bowl, beat egg yolk with water for egg wash, and set aside. Divide Brie into two layers and separate. Coarsely chop raisins, mix with toasted pecans and spread evenly on bottom layer of Brie. Cover with top half of Brie. Roll out puff pastry on lightly floured surface until large enough to cover Brie completely. Place filled Brie in center of dough and wrap Brie, sealing overlapping edges with egg wash. Arrange on greased baking sheet, and chill for at least 30 minutes. To serve, preheat oven to 400 F. Brush top and sides with egg wash, and bake for 20 to 30 minutes or until golden brown. Let stand a few minutes, and serve with baguette slices or toasted croutons.
Turmeric Shrimp
1 pound shrimp, cleaned 2 1/2 cloves garlic, peeled 2/3 teaspoon salt 1 small bay leaf 1/3 tablespoon fresh-squeezed lime juice 2 1/2 cups water 2/3 teaspoon turmeric 3 tablespoons lime juice 1/3 teaspoon red chili powder 3 tablespoons cilantro, chopped Place garlic cloves in a food processor with the salt and mince. Toss with the shrimp and set aside for 15 minutes. In a saucepan, bring the water to a boil with the bay leaf, 1/3 tablespoons lime juice and the 2/3 teaspoon turmeric. When the water is boiling, add the shrimp, stirring. Cook just until opaque, about 2 to 3 minutes. Drain. Immediately spread the shrimp onto a large baking sheet to cool. Mix the additional lime juice, red chili powder and a pinch of turmeric together and pour over the warm shrimp. Toss until well-combined. Add cilantro leaves after the shrimp have cooled.
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C.4587 Great location, 2bed/2bath, 1393 sf Condo West of 41 in North Naples. Tile thru-out main living areas & lanai, decorative kitchen backsplash & accented tile in hallway. Living room w/vaulted ceiling leading to the comfortable lanai w/serene view of a beautiful lake and large trees. Offered at $199,000.
Call Michael 239-777-0473 H.3518 3+Den, 2 bath, 2100 under air, 3226 total sf. Great family home on a back street with no through traffic. Open floor plan w/tile & crown molding in main living areas, archways & high ceilings throughout. Kitchen w/breakfast nook, 42" cabinets w/crown molding opening to the large greatroom w/sliders leading out to the lanai w/built-in kitchen. Offered at $299,000. Call Michael 239-777-0473
with CNBC, the economist Richard Dekaser recently referred to the real estate market in neighboring Naples as "slightly undervalued." According to the Burke, "Seventy-one percent of all closed sales are under $500,000, with 36 percent under $250,000. As a result, buyers are rightly coming to the conclusion that now is a great time to get a good deal." Additionally, Burke notes, sellers who price their homes competitively benefit the most from the increase in sales. "I have noticed that the sellers who are pricing their houses in the lower 20 percent are the ones most likely to sell. The sellers who are staying in the front of the market with price reductions, rather than chasing the market down, are the ones with the most success."
The lower pricing scheme is anticipated to bring even more buyers to Lee and Collier Counties, which in turn will result in more sales. "Nothing attracts buyers like the promise of a good deal," Burke says. "Therefore, price will remain the key to successful selling as the market continues to stabilize." Pricing a house on the low end of the market can be a tough pill to swallow, but it's essentially the same principle used when the market is thriving, Burke notes. "If it is logical to price just ahead of the market when prices are rising, it's also logical to price just ahead of the market when prices are falling. The sellers who have accepted this and who are priced at the lower end of the spectrum of the market are the ones selling."
~~~
FAMILY WEALTH PROTECTION AND GROWTH STRATEGY
Do You Have One?
So, when your eulogy is being read With your life's actions to rehash Would you be proud of the things they say About how you spent your dash?
Full service identification and treatment, of any weeds, insects, or diseases that are negatively impacting your lawn.
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Family Life
TIPS TO HELP CHILDREN WITH THEIR HOMEWORK
learning process. Many educators identify three primary learning styles: auditory, visual and tactile. Children learn in different ways on different days, but usually have a tendency toward one style. If you help your child work within his personal style, he will work more effectively. To learn your childs personal learning style, visit the Resources for Parents area of www.Tutoring.SylvanLearning. com. Create a Homework Zone. Set up a study area, complete with a dictionary, paper and pens. Keep the area free from potential distractions. Develop Class Files. Make a color-coded file for each of your childs classes, with separate tabs for homework assignments, exams and projects, so your child can refer back to class materials when studying for tests. Celebrate Successes Throughout the Year. Celebrate your childs achievement when she reaches weekly milestones. Show her you are confident in her academic abilities, and reward the little things, like improving concentration and organizing her study space. If your child is struggling with homework, talk with her and mouth, Pet Calming Spray acts quickly to relieve restlessness, fear, nervousness and aggression and helps antsy pets sleep throughout the night. The spray meets all Food and Drug Administration guidelines for good manufacturing practices and is made with natural ingredients. For more information, go to www.plutopet.com. Amuse your pet with a toy. To distract your pet from jumping up on guests or getting into things, the Humane Society recommends using toys as a distraction. For dogs, toys with hiding places for treats are suggested. Catnip toys will keep cats busy. Reward good behavior a few times during the event. The Humane Society suggests keeping treats handy. Encourage your guests to refrain from feeding your pet people food. Using it as a treat can lead to your pet begging for more at your guests feet. determine the underlying cause. Even a child who is doing well can benefit from supplemental assistance to sharpen study and test-taking skills. For additional educational resources for children in grades pre-K through 12, visit www. Tutoring.SylvanLearning.com or call 1-800-31-SUCCESS.
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November 2008
(NUI) - Parents want their children to get good grades in school. Start by creating a home environment that is conducive to learning. Sometimes, parents think helping their child complete his homework, or even doing their childs homework for him, will help him achieve better grades in school, said Richard E. Bavaria, Ph.D, senior vice president for education outreach for Sylvan Learning. Often, its just the opposite, creating a situation where children have not learned the concepts they are later tested on in the classroom. To help students, parents can create an atmosphere that works with their child to tackle school tasks efficiently. Sylvan Learning offers parents these tips to develop a personalized homework plan for school success: Set Goals. Help your child set personal and attainable goals for each class, and help her identify what will need to be done to reach each goal. For example, to earn an A in American history, she will need to turn in her homework and participate in class. Know Your Child. Each child is unique, with different learning styles and academic needs, so parents must personalize the
Do your loved ones maintain an adequate diet? Review items in the refrigerator, freezer and pantry. Food should be fresh and edible, items shouldnt be used past their expiration dates, and cupboards and shelves shouldnt be empty. Can they easily locate and take appropriate medication? Know what medications your parents should be taking on a regular basis. Peek into the medicine cabinet and look for prescriptions that are past their expiration dates. Is it safe for them to drive a car? Take a ride with your parent and pay particular attention to his or her speed; response to pedestrians, bicyclists and other drivers; attention to street signs and traffic signals; and attention to overall car maintenance. Are they able to properly maintain finances? Look for unpaid bills, overdue notices or duplicate payments. Do they generally maintain a safe and clean household? Survey the overall state of your parents home. Is it in good shape and tidy? Visit www.easterseals.com for additional resources, including information about Easter Seals new Loving Conversations and Aging in Stride caregiver guidebooks.
November 2008
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CROSSWORD
A wuzzle is a saying/phrase that is made up of a display of words, in an interesting way. The object is to try to figure out the well-known saying, person, place, or thing that each wuzzle Answers on page 14 is meant to represent.
SUDOKU
How Do I Do It?
The objective is to insert numbers in the boxes to satisfy only one condition: each row, column and 3 x 3 box must contain the digits 1 through 9 eaxctly once. What could be simpler?
Compliments of www.WuzzlesandPuzzles.com
Across
1- Attitude 5- Actress Merrill 9- Chilled 13- Nicholas Gage book 15- As previously given, in footnotes 16- Et ____ (and other men 17- Toss, as ones cookies? 18- Rejection power 19- Vichyssoise ingredient 20- Male sheep 21- Melody 23- Do ruinous damage 25- Go downhill fast? 26- Greek goddess of the moon 27- Restless 30- Suffix with Capri 31- Pertaining to the small intestine 32- Inflammation of bone 37- Pillar 38- Lout 40- Writing table 41- Capital of Chile 43- Turkish palace 44- Broke bread 45- Mental strain 47- Puma 50- Part of Q.E.D 51- Blackfish
52- Gonerils father 53- Printers measures 56- Word that can precede war, biotic and climax 57- ___ monde 59- Hawks nest: va 61- Christmas 62- Diarist Frank 63- 4th letter of the Greek alphabet 64- Withered 65- ___-do-well 66- Tennis units
Down
1- Look 2- Gymnast Korbut 3- Appear 4- Naval rank, briefly 5- Separate 6- Brain wave 7- Open mesh fabric 8- A little cupid 9- Have a cow? 10- New York city 11- Feudal vassal 12- Embankment 14- Sloping letter 22- Accelerate 24- Sheltered, nautically
Answers on page 14
Compliments of sudokucollection.com
25- Begin 26- Nothing special 27- Tears 28- Charles Lambs pen name 29- Observed 32- So thats your game! 33- That is, in Latin 34- Actress Hatcher 35- Golfer Aoki 36- Pelt 38- Turkish saber 39- Teen follower 42- Villainous character in Shakespeares Othello 43- Caught 45- Move unsteadily 46- Division of geologic time 47- Summer camp transport 48- External 49- Useful 51- Makes brown 52- Crescent-shaped figure 53- Dellas creator 54- Baseball glove 55- Oceans 58- Hydrocarbon suffix 60- Affirmative reply Crossword puzzles provided by BestCrosswords.com
Answers on page 14
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H.3623 - 3 Bed+Den, 3 bath, 2446 under air, 4046 total sq. ft Courtyard home w/captivating views. Blinds, 18" tile on diagonal, tray ceiling w/crown molding, rope lighting, state-of-the-art kitchen. Great room w/wall-wall sliders leading to lanai's brick pavers & built-in pool/spa w/expansive lake & fountain views beyond. Offered at $549,000. Call Michael 239-777-0473 H.2168 3+Den, 3 bath Mediterranean style great room open floor plan, with 2481 under air and 3282 total sq ft. Coffered, volume ceilings, gourmet kitchen with granite counter-tops, and upgraded tile. Home offered at $519,000 with a beautiful lake view located in a private gated golfing community
Grandzza, Estero
Cell: 239-777-0473 Fax: 866-890-4452 26269 South Tamiami Trail Bonita Springs, FL 34134 Michael@BurkesBeach.com
239-777-0473 / Michae
Grandzza, Estero
Grandzza, Estero
C.4399 - Second floor end unit Garden Home, 2 Bed+Den, 2 with 1402 under air, 1516 total sq. ft, with lake view. Numerous upgrades. Plantation shutters, ceramic tile, beautiful custom mural in kitchen and glass paneled cabinets. Offered Turnkey at $239,000.
Grandzza, Estero
C.4557 Beautifully furnished, designer decorated 3 Bed/2 bath, 1727 sf. Numerous upgrades, stunning vaulted ceilings, decorative niches & ledges throughout. Diagonal tile & accented mosaic tile in foyer & hallway, window treatments, decorative wall paper & paint. Kitchen cabinets w/crown molding, breakfast bar & nook w/fantastic views of the lake. Offered at $299,000. Call Michael 239-777-0473
The Colony - Palermo, Bonita Springs 3240 under air, 4110 total sf.
Spectacular panoramic views of the Gulf of Mexico & Estero Bay. Exquisite turnkey designer decorated, marble flooring & counter-tops, faux finishes, custom cabinetry, kitchen w/builtin paneled appliances, granite countertops. Offered at $1,395,000. Call Michael 239-777-0473
H.3582 3 Bed+Den, 3.5 Bath, 3014 under air, 5693 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 $849,000. Call Michael 239-777-0473 C.3597 - 4 Bed + Den, 3 bath, 3565 under air, 5524 total sq. ft spacious estate home. Great 2nd floor bonus room can be used as 4th bedroom, exercise or game room. Numerous upgrades. Expansive kitchen w/crown molding, built-in wall oven. Lanai w/built-in heated pool. Offered at $449,000.
Grandzza, Estero
H.2605 Valencia model with 4 Bed+Den, 3 bath, with 2750 under air and 3673 total sq ft. Home offers beautiful views of the golf course, lake and water feature with a desirable South West exposure, located in a private gated golfing community. This beautiful designer furnished home is offered at $849,000 with builtin pool, spa and vaulted ceilings. Call Michael 239-777-0473
Stoneybrook, Estero
Grandzza, Estero
H.3625 - 3 Bed+Den, 3 bath, 2455 under air, 4046 total sq. ft courtyard home w/Tiki Bar. Great for entertaining w/built-in pool & spa. Numerous upgrades thru-out. Tile, crown molding, blinds, tope lighting, state-of-the-art kitchen. Discounted golf membership & golf cart also for sale. Offered at $539,000.
Grandzza, Estero
H.3544 4 Bed, 3 Bath, 2910 under air, 5887 total sf, side entry 3-car garage. Numerous upgrades thruout, 18x18 marble and Bamboo hardwood flooring, custom builtin cabinets, surround sound, builtin heated pool/spa. Fabulous gourmet kitchen, w/granite countertops and backsplash, 42" custom cabinets w/crown molding, paneled built-in appliances. Offered at $899,000 . Call Michael 239-777-0473
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C4121 2 Bed + Den, 2 bath, 2-car attached garage, 2060 under air, 2790 total sf. Carriage home stylishly decorated w/ceramic tile on diagonal, solid surface counter tops, tall kitchen cabinets, wet bar. Fantastic lake views from most rooms. Offered at $418,500. Michael Burke
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el@BurkesBeach.com
Call Michael 239-777-0473 C.4252 3 bed, 3 bath, 2910 under air, 3530 total sf. 17th floor decorator ready residence w/ Gulf & Bay views. Exquisite granite counter-tops, custom wood cabinets, marble baths, private elevator, & stunning high ceilings. Located in an upscale private, gated community w/the finest amenities, included. Offered at $895,000
Grandzza, Estero
Grandzza, Estero
C.3595 - 3 Bed, 2 bath, 2190 under air, 3236 total sq. ft open great room floor plan. Open kitchen w/granite counters, upgraded cabinets. Plantation shutters, decorative ceiling fans, 12' ceilings, living room w/stunning full wall of glass sliders leading out to the tropical lanai w/heated builtin pool and spa. Offered at $495,000. Call Michael 239-777-0473
Grandzza, Estero
Savona, Estero
H.3298 4+Den, 4.5 bath, 3-car, 5196, 8916 total sf, custom estate home. Arches, columns, volume ceilings w/ triple trays, crown molding, coffered ceilings. Gourmet kitchen w/ built-in stainless appliances, decorative range hood, granite counter-tops. Lanai w/columns, custom pool/ spa, waterfalls, fountains, sunning shelf, gazebo w/fire pit & fireplace Offered at $2,150,000. Call Michael 239-777-0473 C.3636 - 3 bed, 2 baths, 1489 under air, 1733 total sq. ft. top floor unit w/fantastic lake views. Mediterranean architecture in this upscale, urban living condo only steps from shopping, dining & movie theatres. Included w/granite, marble countertops, ceramic tile, hurricane impact windows. All this for $528,888.
H.2908 Spectacular open great room floor plan, with 3 Bed+Den, 3 bath, 2939 under air, 3925 total sq ft. Many added touches in this designer decorated home for a casual lifestyle with custom features throughout. Enjoy the kitchen w/state-of-the-art built-in appliances, 42" wood cabinetry, granite counter tops. Offered at $1,199,000 w/custom pool w/views of a lake, golf course and woods located in a private gated community. Call Michael 239-777-0473
Grandzza, Estero
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(NUI) - The holidays mean gettogethers, but cramming the extended family into a single home can create more strain than peace and goodwill. The experts at Merry Maids offer these easy cleaning tips for a sparkling clean and welcoming holiday home. Tackle the shared living space: Remove couches and create more big game or movie. clutter from chairs, end tables. This will seating to watch the your favorite holiday
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November 2008
To clear floor space, temporarily move any pet beds or floor pillows to another, less public room. Use a damp sponge or the bottom of a clean sneaker to remove pet hair from the floor and upholstery. Be sure to clean any folding chairs that may be used before bringing them into your home. An all-purpose cleaner or mild soap and water should do the trick. Keep your kitchen spotless: Clear countertops by removing items you will not use, like toasters or cookie jars, and store them in cabinets. This will give you more space to prepare your holiday
floral touches. To bring the outdoors in, consider brightly colored window treatments. The right curtains can seamlessly blend outdoor colors with indoor dcor. Reflect on Nature. A mirror, strategically hung to reflect an outdoor scene, can make a room feel more natural - while also making rooms feel larger and more airy. Mirrorscapes Mirror Frames from Inspiration by Moen add the finishing touch to plate-glass mirrors, and install easily enough for decorating novices.
See your Aromatherapist. Refreshing, natural scents can really set a mood. Whether fresh, like cotton or linen, or floral, like lilac or gardenia, aromas can make rooms soothe. Eco-friendly scented candles, like the soy or beeswax candles made by Bluecorn Naturals, burn cleaner than normal candles, helping to reduce indoor air pollution. Placing orange or lemon peels in small bowls around the house can create flame-free scents. For more information about natural-looking dcor, visit www. moen.com.
TO OW H NER OR C
Things youll Need:
several small plant pots or trays plant soil fertilizer watering can windowsill
By: Hapworth
Step 1 Herbs can be planted in clay or plastic pots. If herbs are planted in
November 2008
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(NC)Guard against the lose. Before you leave home, loss or theft of your travel take at least two photocopies documents. Resort specialist, of your passport, air tickets, Club Med, suggests: When packing, keep all important papers and documents with you in your hand luggage. Never check anything that you simply cannot afford to medical insurance, drivers license, and credit cards. Leave a copy at home and put a copy in the bag that does not contain the originals.
Y NN D FU OA S R GN SI
Gasoline and diesel direct injection uses sophisticated Variable valve timing electronic fuel-flow and air and lift improves the flow flow controls, and precision of fuel and air during the injectors which inject the engine cycle by varying the fuel directly into the cylinder opening and closing of the and optimize the ideal engine valves depending on mixture of air and fuel during need. The technology can combustion; result in both greater power and better fuel efficiency; Continuously Variable Transmission or CVTs dont Cylinder deactivation have a gearbox with a set allows V-6 and V-8 engines number of gears, instead they to operate as though they typically operate on a pulley
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November 2008
More Recipes on Page Add beans and mustard; cook until beans are heated through. Add sugar, if desired, to adjust acidity. Season to taste, with salt and pepper. Serving suggestion: Hollow out crusty bread rolls and use as serving bowls.
In a large pot, heat oil over medium high heat. Add onion, red pepper and beef. Cook, stirring occasionally, until onions and peppers are softened and the meat is no longer pink, about 10 minutes. Add garlic, chili powder and cumin and cook for 1 minute. Add Whisky, tomatoes, and tomato paste; bring to a boil. Reduce heat and simmer, uncovered, for 20 minutes. Stir occasionally.
PB&J Poppers
1/2 cup Creamy Peanut Butter, stirred 1/4 cup Low Sugar Apricot Preserves or Orange Marmalade Cinnamon to taste 2 Tbsp. minced dried apricots 1 cup low-fat granola In a small bowl, combine the peanut butter, preserves, cinnamon and minced dried apricots. Measure the mixture by a half rounded teaspoonful. Roll rounded ball into granola and place in candy-sized paper cups.
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Community Address COPPERLEAF AT THE BROOKS Sage Meadow 23320 Copperleaf Blvd LIGHTHOUSE BAY AT THE BROOKS Lighthouse Bay 23931 Amalfi Coast Rd #113 SHADOW WOOD AT THE BROOKS Tamarind Trace 23163 Foxberry Ln Oak Hammock II 10492 Autumn Breeze Dr #202 Laurel Meadow 23224 Oakglen Ln Oak Strand 9255 Oak Strand DR Laurel Meadow 23132 Oakglen Ln SPRING RUN AT THE BROOKS Winding Stream 9231 Spring Run Blvd, #2109 Streamside 9060 Spring Run Blvd, #209 GRANDEZZA Oakwood 20220 Calice Ct, #304 Saraceno 20121 Saraceno Dr Cypress Cove 20088 Buttermere Ct Cypress Cove 20088 Seadale Ct PELICAN LANDING Reserve at Pelica Landing 24420 Reserve Ct #103 Pelica Landing 3551 Lakemont Dr. Southbridge 25071 Ballycastle Ct W #103 THE COLONY Sorrento 23650 ViaVeneto Blvd, #2101 Navona at the Colony 23540 ViaVeneto Blvd, #1904 Treviso at the Colony 23750 Viatrevi Way #304 Florencia 23850 Viaitalia Cir #2004 MEDITERRA Brendisi 29101 Brendisi WAY, #202 Cortile 10834 Est Cortile Ct Monterosso 15505 Monterosso Ln, #101 Monterosso 15536 Monterosso Ln, #201
To view more closed details visit www.CoconutPointRealty.com and click on Market Reports
This report and data is based on information from the Multiple Listing Service of Bonita Springs-Estero, Inc. These properties were not all listed or sold by John R. Wood Realtors Inc. and were listed or sold by various MLS participating offices. Website owned and maintained by Michael Burke of John R. Wood REALTORS, Bonita Springs, FL 34134
Bonita Springs, Estero, Ft. Myers, Naples downtown Naples, 5th Ave. Annual celebration, paintings, sculptures & crafts of local artists, complete w/food booths & live musicians. For more information call 239 472-3755. Historic Old Naples Walking Tours: (Naples) Nov 5, 12, 19 & 26/Dec 3, 10, 17, 24 & 31, 10am at Palm Cottage 137 12th Ave. South, 261-8164 (reservations required) Historic Palm Cottage & Norris Gardens: (Naples) Nov 1-29/Dec 2-31, open Tues & Sat 1-4pm. (239) 261-8164. Thursday on Third: (Naples) Nov 20/Dec 4, 11 & 18, 6-9pm. Enjoy music & other entertainment. Farmers Market: (Naples) Nov 15, 22 & 29/Dec 6, 13, 20 & 27. 7:30am-11:30am Featuring nearly 50 vendors. Located behind Tommy Bahamas. Naples Trolley Tours: (Naples) 1010 Sixth Ave. S, 262-7300. See the town & shop from quaint trolleys. Philharmonic Center: (Naples) Located at 5833 Pelican Bay. For more info and current shows visit www.philtickets.org/tickets/ind ex.aspx or call (239) 597-1900 or (800) 597-1900
Coast University. For more information call 239 263-8242. Broadway Palm Dinner Theater: (Ft. Myers) Located at 1380 Colonial Blvd. For more info & shows visit www.broadwaypalm.com/home .htm or call (239) 278-4422 Barbara B. Mann Theatre: (Ft. Myers) For more info & listing of shows, visit, www.bbmannpah .com/index.php or call (239) 481-4849 or 800-440-7469. Old Florida Festival: (Naples) Nov 1, 2. Indoor/outdoor festival celebrating history of Florida. Complete w/pirates, conquerors & early settlers. Refreshments & live entertainment. For further information call 239 774-8476. Festival of Lights: (Naples) Nov 24, 5-9pm. Third Street South welcomes 32nd annual tree lighting ceremony w/community & national entertainment, snow & shopping. Celebration of Lights: (Naples) Nov 25, 26, 28 & 29, 6-9pm. Third Street South continues to entertainment w/music & snow each night. New Years Weekend Art Fair: (Naples) Last week in December in
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Lifestyles
HOW TO TAKE CONTROL
being super busy or activity driven is a good measure of your success or importance. Its not - rather it may be a smoke screen to hide behind. If you clearly identify and write down your priorities for each day you will immediately find that your inputs (activities) decrease and your outputs (results) increase. Its a simple productivity equation and it works for everyone, in every job. of yourself, your team or your family. Rather give everyone - including yourself - the direction, resources and most importantly the time, to achieve goals. in the morning, going into a meeting or returning home at night, take a deep breath and say and think something positive - youll be amazed at how infectious happiness can be. 86,400 in your bank every day: Thats the number of seconds deposited in your time bank each and every day. How you spend it determines the life you lead. Unlike a financial account, you dont get to carry it over to a new day or save it with interest for retirement. You use it or lose
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November 2008
By: Daniel Stamp Here are five essential beliefs and behaviors that will help you take control. Choice not chance determines your future: Remember you are not in prison. Start by looking at the choices you are making in life. If you want to be happier, be more effective at work, be less stressed and live longer, then choose to live a more balanced life.
Stop stinking thinking: The fastest way to lose friends, the respect of your colleagues and poison family relationships is to be a nag or constant complainer. A negative attitude to life will over time lower your immune Missions impossible are system too! Heres a tip Stop being a busy body: always impossible: Stop that might change your life. Dont flatter yourself that asking the almost impossible Before entering the office
it. So dont waste a precious second of it on third rate TV, making commitments you cant keep, gossiping at the water cooler, berating your kids for things you used to do too, endless complaining, talking and not listening. Yes all of the traps that we fall into too easily. Rather, take charge today and live a life in tune with your beliefs and values. Your behaviors each day will then reflect the person you really are.
Have a comfortable chair, and use it once a day! Life is not measured by the number of breaths you take, but by what takes your breath away!
Thoughts to Ponder:
After your hands become coated with grease, your nose will begin to itch, or youll have to pee.
Sudoku Answer
PUzzle SOlUtIOnS
Crossword Answer
Wuzzle Answers
1. Falling Temperature 2. Two Under Par 3. Fat Chance 4. Broken Heart 5. Hot Under the Collar 6. Head in the Sand
November 2008
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Out-Of-Town Properties
For Information On Any Of These Listings Or Other Properties In These Areas Please Call
1-800-330-5709
1 Chestermere, Alberta $1,150,000.00 2 Naples, Florida $1,099,950 3 Bancroft, Ontario $649,900
This cedar log bungalow is only 30 minutes to downtown Calgary. This great room plan has maple hardwood floors, granite counters, new fixtures and new carpet and paint. Large dining area, spacious kitchen, living room and master bedroom on the main. There are 3 bedrooms above grade in the walkout. Lots of room to entertain on the deck, patio or dock. Nicely landscaped, well-kept lakefront home.
Directly on Doctors Pass with Magnificent Gulf Views. This first floor low rise offers easy access; its Private 20 slip Marina can accommodate up to a 26 sporting boat. Direct Gulf access, No Bridges. The designer kitchen features Custom Cabinetry with granite countertops and tile back splash.
Situated on 17 acres with its own private pond, 4 bedrooms, den/office, family room, rec room 2 fireplaces, formal dining room, 3 car garage & much more.
Bed+Den, 2.5 bath, 2822 under air, 5491 total sq ft. Large gourmet kitchen, granite counters, tile backsplash, 42 cabinet w/crown molding. Family room w/hardwood flooring, dining & Living room tray ceilings w/crown molding & large sliders leading out to the lanais heated pool & outstanding views of large lake & golf course.
Fully finished open concept home will impress all when viewed. All brick, many upgrades incl. custom trim, 9 ceilings, oversized kitchen, lg dining nook, ceramic & hardwood flrs, oak staircases, casement windows, covered deck off kitchen, gas fireplace in living room, the list goes on.
The home features 9 ceilings and 8 doors. The kitchen is beautiful and functional with upgraded stainless steel appliances.The master is generous in size and provides your own oasis retreat with a jetted tub and a marble shower. With 2,570 sq. ft. developed this home also features central air, a central vacuum, a high efficiency furnace, underground sprinkler system and gas BBQ hook-ups.
The many features of this home include nine foot ceilings, in-floor heating, gas fireplace, large windows and balcony. The master bedroom has ample closet space and a cheater ensuite with soaker tub and separate shower. Ensuite laundry, titled heated underground parking and separate storage locker are included. Excellent location close to major shopping, transportation and major roadways.
Professionally finished basement with 5th bedroom & billiards room. Gourmet-style kitchen with Silestone counters, striking renovated bathrooms with 2 Jacuzzi tubs and a premium lot with 20x40 in ground pool and sprinkler system.
Kipling/Martingrove 3 Bedrooms 3 Bath Finished Basement Walk in Closets Newly Renovated Close to all Amenities
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Gorgeous & totally remodeled in 2005 Olde Florida style home with water views from every room. Granite in kitchen & bathrooms, stainless & black appliances, new wood cabinetry, new fixtures & new lighting. Also custom painted, plantation shutters, saturnia flooring, & 45 ft. boat dock & lift.
Perched in a truly Majestic .9 acre property, is this executive rancher only 7 years new! The living is easy, everything on one level! Too many features to list here! The grounds are so impressive and just a 7 minute walk to the shores of Crescent Beach!
Valencia model with 4 Bed+Den, 3 bath, with 2750 under air and 3673 total sq ft. Home offers views of the golf course, lake and water feature with a desirable South West exposure, located in a private gated golfing community. This is a beautiful designer furnished home with builtin pool, spa and vaulted ceilings.
1-800-330-5709
Listings on this page are selected by the publisher and not by any individual Realtor, Agent or Broker
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