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October 2017Post Irma Clean Up

Edward Ronsman, Esq

PG 3Equifax Hack

Steven Aldrich

PG 4Post Irma Clean Up

Edward Ronsman, EsqEquifax Hack

Steven Aldrich

Scenes from Hurricane Irma September 11, 2017

November 3rd and 4th, 2017, St. Augus-tine, Florida: Th e Lightner Museum wel-comes Mr. Nicholas Dawes, antiquarian and antiques appraiser from PBS’s popular television program, Antiques Roadshow. Mr. Dawes will host two events during his visit to St. Augustine. Th e events are part of Lightner Museum’s fall programming schedule, which seeks to highlight the Dressing Downton™exhibition. On November 3rd, 2017 at 10:30 a.m., Mr. Dawes will present Th e Treasures of Down-

ton: An Appraiser’s View, at the Casa Monica Hotel. Th is talk will focus primar-ily on the decorative objects d’art typically found in the great English homes of the 19th century. On November 4th, 2017, at 11:00 a.m., Mr. Dawes will be giving a demonstration of his appraisal methods in Flagler College’s luxurious Flagler Room. Special ticket purchasers will be invited to bring in one small object for Mr. Dawes to appraise dur-ing this morning event. Nicholas Dawes programs are open to the public. Tickets to the lecture and appraisal clinic can be purchased at lightnermuse-um.org/Nicholas-Dawes. Mr. Dawes moved to the United States from England in 1979 to pursue a career

as an auctioneer, appraiser, author, lecturer and antiques dealer at prestigious fi rms such as Phillips and Sotheby’s. As a mem-ber of the Heritage Auctions team based in New York City, Mr. Dawes brings a wealth of experience and knowledge primarily focused on the history of ceramics, glass, silver and other decorative arts. His experi-ence also includes being a faculty member at Parsons School of Design and a lecturer at the Columbia Business School and Bard Graduate Center. Th e events are part of a program compan-ion series to Lightner Museum’s exhibition: Dressing Downton: Changing Fashions for Changing Times™, a thirteen-week display of 36 authentic Edwardian Era costumes and accessories from PBS’s most popu-lar television drama in history, Dressing Downton™, which will be elegantly dis-

played in the Museum’s Grand Ballroom Gallery beginning this fall. For tickets to the exhibition, visit www.lightnermuseum.org/dressing-downton. Proceeds from the events benefi t the Light-ner Museum. Th e Lightner Museum is a non-profi t cultural institution sustained by the generous support of individuals, busi-nesses, and sponsors. A gracious “thank you” to Flagler College and Casa Monica Hotel for being the host venues for Dawe’s programming. Th ese events are funded in part by the Community Foundation for Northeast Florida, the St. Johns Tourist Development Council, and Visit Florida.

PBS’s Antiques Roadshow Appraiser Nicholas Dawes to give Appraisal Demonstration and Lecture

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October 2017 3

As communities in Northeast Florida work toward recovering from Hurricane Irma, we would like to share a few important reminders for condominium, cooperative and home-owner associations. While the task of repairing and cleanup is extensive, communities should be on the lookout for the following “scams”:

• Beware of government “offi cials” coming to your community off ering to perform inspec-tions. Require documentation and contact information from any such individual. • Many out of state “contractors” appear off ering to do a free inspection of a roof or common areas and common elements. Ask for their licensing and contact information before entering into any contract for work.

• Do not execute an Assignment of Benefi ts (“AOB”) without fi rst contacting your insur-ance agent and attorney. • Beware of any contractor requiring a large down payment for “supplies”. As part of the cleanup and repair process you are recommended to take ample photographs and/or videos, documenting the time and date, and who took the photograph or video. An experienced attorney should be utilized to review any contracts entered into by the Association and claims made on any applicable insurance policies. Finally, here are some safety tips to consider for you and your residents:

• Many areas may be under a boil water notice. Check local government website and Face-book pages for updates that can help keep you safe.

• If residents are using a generator, be sure to confi rm it is being used safely. Portable gen-erators emit carbon monoxide and should not be used indoors, and may impact certain common elements in condominiums. You can fi nd safety tips for generator use at the American Red Cross website.

• Do not allow residents to alter or modify common areas or common elements, even if damage has occurred. Only contractors engaged by the Association should perform work on common areas or common elements.

Th is is not an exhaustive list of safety tips, and you should consider checking updates with local government departments to stay aware of any hazards. As you begin safely recover-ing in the aft ermath of a hurricane, you will need to review your community’s insurance policies and make sure you comply with any requirements for providing notice. Continue to document any damage with photographs of your property. Seek professional legal ad-vice as you begin your recovery process to ensure you have qualifi ed professionals on the side of your condominium, cooperative, or homeowner association.

Ed Ronsman is a partner at Jackson Law Group. He represents hundreds of community as-sociations as general counsel in Northeast Florida, and is a state-approved provider of Board Member Certifi cation and Continuing Education courses for board members and commu-nity association managers (CAMs), as well as serving as President of the Northeast Florida Chapter of the Community Associations Institute (CAI).

Jackson Law Group1301 Plantation Island Drive, Suite 304

St. Augustine, Florida 32080(904) 823-3333 | www.JacksonLawGroup.com

TAX LAW | WILLS, TRUSTS & ESTATE PLANNINGELDER LAW | PROBATE & GUARDIANSHIPS

BUSINESS & CORPORATE | ASSET PROTECTIONREAL ESTATE & TITLE CLOSINGS | LITIGATION CONDOMINIUM & HOMEOWNERS ASSOCIATION

Post-Hurricane Irma Cleanup and Safety Tips for Community Associations

Edward Ronsman, Esq.Jackson Law Group

WWW.SABNJ.COM4

In September, we learned that Equifax had been hacked and the sensitive personal data of 143 million American consumers was stolen. 209,000 of the records stolen also included Credit Card Numbers.

Equifax has set up a site where you can enter your Last name and part of your Social Security number to determine if you were impacted. However, several resources state that testing with fake names and 123456 as the Social Security number get told that they were impacted. Th e Equifax impact test seems to always return the same result to everyone; Yes, you were impacted.

Equifax has announced they will provide a 1 year complimentary activation of

TrustedID Premier. Which includes 5 services; Equifax Credit Report, 3 Bureau Credit File Reporting, Equifax Credit Report Lock, Social Security Number Monitoring, $1 million Identity Th eft Insurance.

If you already have LifeLock, IdentityForce, IdShield, or similar credit protection service, you may not want to sign up for the complimentary service. Even if you don’t, you may wish to steer clear of it.

Th ere is a clause in the TrustedID Premier agreement that states that by using the service, you forfeit your right to be part of any class action suit against Equifax. Yes, you read that right.

It is too early to tell what the fallout will be in this colossal hack. But it seems certain that all Americans have once again been put at risk by a very large and poorly secured company. The take away here is that we must assume that our personal data is at risk and most likely already in the hands of the bad guys.

Keep a close eye on your credit card and bank statements. Contest anything that is fraudulent by contacting the fi nancial institution immediately.

Even if your information was not stolen in the hack, the answer to the question above is;YES, you were impacted.

Steven Aldrich is a technology advisor with decades of experience as an IT Director and is the owner of First Coast Computer Services. See ad on this page. Steve@fccspro.com or (904) 479-5661

Equifax Hack – Were you impacted?Steven AldrichFirst Coast Computer Services

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605 Ocean Palm Way This five bedroom home is located in the prestigious gated community of Sea Colony that sits on the Atlantic Ocean and is just steps from the beach walk-over. This home has a spacious backyard and is one of the few homes in Sea Colony that has room for a pool! $970,000

Beautiful St. Augustine Homes

332 S Forest Dune Dr. This large, sunny, private corner lot with possible ocean views is located in the wooded dune section of Sea Colony, a gated ocean front community with pool and 4 private beach walkovers. $349,000

7 Magnolia Dunes Cir. This spacious 4 bd/2 ba home is located in one of the finest neighborhoods on Anastasia Island just minutes from the beach. Home is newly renovated and includes a gorgeous landscaped yard with screened pool and spa as well as an air conditioned Florida Room. $474,000

464 Ocean Grove Cir. This beautiful home is located in Sea Colony just steps away from the beach! Many upgrades include Hardi siding, metal roof, 3 large porches, & all bedroom En-suites with the master on the 1st floor. The open floor plan makes beach living easy! $1,097,000

312 S Forest Dune Dr. This luxurious 6 bedroom, 4 and 1/2 bath home has a 2 story foyer with a double fireplace that is shared with the dining and great rooms. This gorgeous Sea Colony home features an elevator to take you to all 3 levels. The outdoor living space, ideal for entertaining, includes a heated pool, spa, and bath. $1,375,000

628 Ocean Palm Way This direct ocean front, 3 story home with an elevator includes 5 bedrooms and 5 full and 2 half bathrooms and is located in Sea Colony, St Augustine's premier gated community. The home features an oversized, air-conditioned 2 car garage and beautiful landscaped pool area with both adult and children's pools. A great home for entertaining family and friends! $1,997,000

121 Riberia St./Cedar St. This amazing business opportunity is located across from The St. Augustine Distillery and Ice Plant, just steps away from Flagler College, shopping, and the historical area. The land consists of 4 parcels with possibilities to build a commercial business on CL1 zoned property and up to eight small houses on the property zoned RS2 that allow for short term weekly rentals. $1,175,000

NEW LISTING

188 Sea Colony Parkway This beautiful 4bd, 3.5ba home perfectly blends comfortable living and spectacular entertaining spaces. With an open floor plan which flows to a courtyard and guest house, plus many outdoor porches and decks on every level, one can easily host family and friends. The home has been meticulously maintained and designed with much attention to detail. All of this, and only steps away from the prestigious gated community’s clubhouse, pool, and beach walkover. $1,395,000

716 Ocean Palm Way This elegant oceanfront home in Sea Colony features 4 bedrooms, 5 baths, in-ground pool & amazing panoramic view of the ocean as well as an elevator and fireplace. Numerous upgrades include high end windows & doors, premium lighting, quality cabinets, stone countertops and floors. Coquina shell concrete walk, privacy wall & driveway plus great architectural features top off this exquisite offering. $2,195,000

NEW LISTING

NEW LISTING

WWW.SABNJ.COM6

Bailey CunninghamReporter

Steven AldrichTechnology AdvisorFirst Coast Computer Services

Gaye JonesSenior Mortgage Banker, FBT Mortgage LLC

Fr. Nicholas A. Marziani Jr. D. Min., Pastor, St. James Church

Gregory E. Oxford, DDS, MS, PhDOxford Dental Associates

Ben ReepFinancial Advisor, Edward Jones

Edward Ronsman, EsqJackson Law Group

Rob StanboroughPT,DPT, MHSc, MTC, CMTPT, FAAOMPT First Coast Rehabilitation

Diane VespucciReMax 100

To Advertise contact:Michael Cunningham, Publisher904.501.4556michael@sabnj.com

Rachel Cunningham, Advertising Specialist904.349.9609Rachel@sabnj.com

Send News to:Beau Phillipsbeau@sabnj.com

Th e Garden Club of St. Augustine, Annual Tour of Homes,” Christmas in the Flagler Era” is a tribute to Henry Morrison Flagler. Flagler, a man of culture and vision, transformed a sleepy coastal town into the Winter Resort of America’s wealthy. His beauti-ful buildings, roadways, fountains still grace our city making St. Augustine a beautiful place to live and visit.

Th e 10 garden Circles, which comprise the St Au-gustine Garden Club, will be decorating 6 homes in the historic downtown district, dating from the Fla-gler Period: two on Marine Street and one each on St. George Street, Saragossa St., Bridge St., and Riberia St. with fl oral arrangements and Holiday greenery that refl ect Flagler’s style and elegance.

Tickets sales will start on Mon. Oct. 2nd at the follow-ing retail stores: Cash or Checks onlyCarter’s Jewelry, Anastasia Publix PlazaFlowers by Shirley, US 1 NorthLeonardi’s Nursery, Anastasia Blvd.Tre Sebastian, A1AWhetstone Chocolates, A1A

Southern Horticulture, A1AOr online www.gardenclubofstaugustine.org with PayPal or credit cards

Phone sales paying by check call: 904-686-9320Credit card phone sales call: 904-342-2901 Ticket Price $30.00 includes:

Transportation starting from Th e City Parking Garage, provided by Old Town Trolley, begins at 12:00p.m. (some walking will be required in the Historic Dis-trict). Trolley service will not be available aft er 4:00 P.M.

An Aft ernoon Tea and Holiday Boutique will be held at the River House on Marine St. featuring handmade craft s and home baked cookies by the Garden Club of St Augustine.

Entrance to 6 exquisitely decorated homes. Tour from 12:00 -5:00 P.M.

Plans Underway for The Christmas Tour of Homes

Hurricane Irma spawned 3 confi rmed tornados in St. Johns County. The above photo is of Summer House in Southeast St. Johns County

October 2017 7

You may spend decades contributing to your IRA and 401(k). But, eventually, you’ll need to use this money. Before that day arrives, you’ll want to be familiar with the rules governing withdrawals – and you’ll want to know just how much you should take out.To begin with, withdrawals from traditional employer-sponsored retirement plans like these fall under the Internal Revenue Ser-vice’s “required minimum distributions” (RMD) guidelines. (You aren’t required to take these distributions from a Roth IRA.) Here are some of the key RMD points to keep in mind:• You need to take distributions by age 70-1/2 . You generally should begin taking RMDs in the year in which you turn 70-1/2. If you don’t take your fi rst RMD during that year, you must take it no later than April 1 of the following year. If you do put it off until April 1, you must take two distributions in one year. If you don’t take your RMDs on time, you may have to pay the IRS a 50 percent pen-alty tax on the taxable portion of your un-collected distribution — so make sure you know your dates. • You can take more than the minimum. You can withdraw more than the RMD, but, as the word “required” suggests, you can’t with-draw less. • You may be able to delay RMDs in an em-ployer’s retirement plan if you’re still work-ing. If your employer’s retirement plan per-mits it, you may not have to take RMDs if you are still working and you are 70-1/2 or older. However, this exception won’t apply if you own 5 percent or more of your com-pany.

To determine your RMD, you’ll need to use either the Uniform Lifetime Table, which is based on your life expectancy, or the Joint Life Table, if you have a spouse who is the sole benefi ciary and who is more than 10 years younger. Your tax advisor can help you make this selection.So, now that you know the basic rules of RMDs, you’ll need to consider their impact on your retirement income. As mentioned above, you can certainly take out more than the RMD, but should you? If you need the extra money, then you’ll have to take it. However, when determining how much you should take beyond your RMDs, you’ll need to weigh some other factors. For one thing, if you can delay taking So-cial Security, you’ll get bigger checks, so you might be able to lower the amounts you take from your 401(k) and IRA. Another factor to consider is the size and composition of your investment portfolio held outside your retirement accounts. If you have a sizable amount of investments, with some of them providing regular in-come, you may be able to aff ord to take out only your RMDs, or perhaps just slightly more. On the other hand, if your 401(k) and IRA make up the vast majority of your in-vestment holdings, you might need to rely on them much more heavily. In any case, though, you will need to estab-lish an appropriate withdrawal rate for all your investments to ensure you won’t out-live your money. A fi nancial professional can help you calculate this rate.Do whatever it takes to maximize your ben-efi ts from your IRA and 401(k). Th ey’re valuable assets – so use them wisely.

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Temple Bet Yam Presents its Gigantic Yard Sale!Looking for household items, art work, furniture, electronics, toys, books, and more? Look no further! Come to Temple Bet Yam’s gigantic yard sale, to be held on Sunday, October 29, rain or shine, from 8 a.m. to 3 p.m. Don’t miss this fantastic opportunity!

You can fi nd us on 2055 Wildwood Road next to Ray’s Autobody, just off SR 207. In case of rain, the sale will take place inside the building.

WWW.SABNJ.COM8

Th e average salaried or hourly worker is pretty easy to calculate income, where it gets complicated is for those that are paid commission or bonuses and the Self-Em-ployed.Let’s start with the commissioned and bo-nus employees. Normally you would need to receive the income for 2 years or have a guaranteed bonus. But in this business there are exceptions to EVERYTHING. If you change companies but remain on com-mission we may be able to average your in-come from the two employers. Or, as an example, if you are working in the same fi eld but changed to commission, as long as you’ve had 18 months commission we can take that amount and average over 24 months to be conservative in calculating income.Self-Employed normally requires 2 years tax returns. A current YTD Profi t & Loss statement to document that the business is still open and profi table will also be re-quired. If your credit score is above a 680 it’s possible to qualify on only one year of self-employment. When dealing with vari-able income it’s important that you work with an experienced mortgage originator that knows how to present your employ-

ment history so that you will get the most income allowed.We calculate income on the net income for self-employed, however, there are catego-ries that you are able to deduct from your income for IRS but we will add back. For instance, if you take mileage we add back between .22 & .24 per mile to your income. We also add back depreciation deducted. Th e section 179 depreciation deduction allows for up to $10,000 per ITEM as a deduction, again, we add that back. It’s important when fi ling tax returns that the

borrower keeps good records and separates supplies vs depreciable equipment. In my business, my calculator, stapler, computer, etc are all depreciable equipment because it’s an asset in my business, I need those items in order to do my job. Paper, pens, staples, etc are supplies as they are used and then thrown away. 1099 Employees would require 2 years tax returns documenting 1099 income and we would average the two. Unlike self-em-ployed, there is no exception to use 1099 income aft er only one year.

Planning ahead is important for any large purchase, but when you have variable in-come I cannot stress enough how impor-tant it is to speak to an experienced loan originator prior to making the decision to purchase a home.

Gaye Jones is a Senior Mortgage Banker at FBT Mortgage, LLC. NMLS #197176. If you have more questions you can reach her at gjones@fbtonline.com.

Varying Incomes & Mortgage Qualifying

by Gaye JonesSenior Mortgage Banker, FBT Mortgage, LLC

NMLS 555210 NMLS 327573

October 2017 9

One of the hangover myths from the great recession is that foreclosures are a great bargain for buyers. While this can be true, it’s no longer an absolute. Whether or not a foreclosure is a good buy depends on a lot of factors, and its always a buyer beware purchase.

When buying, home foreclosures come in two basic varieties; those you purchase aft er they’ve been ‘cleaned’ of all liens and those that you purchase on the courthouse steps, as-is, liens and all included. Th e cleaned foreclosures are normally sold by the banks or institutions that gave the owners a mortgage, as well as by government organizations such as Fannie Mae and HUD. Th ey’re oft en sold in as-is condition, although without liens. More oft en than not, they’re sold cleaned up, repaired and always with all liens and title claims settled. With cleaned foreclosures, the organization has the property inspected, which they do solely for repair purposes, to make the property habitable. In all cases of purchasing fore-closures, cleaned or not, its buyers beware. .Normally they are all as-is sales so doing your homework is imperative. Make sure you have a great home inspector and go with them over every nook and cranny.

Look at the county records for permits, or for permits that should have been, but weren’t issued. You may be buying a liability and you want to know beforehand exactly what you’re facing.

People think of foreclosures as a bargain and at one time, they were. Th ese days, the mar-ket is much more stable and foreclosures may save some money, but then again, they may cost you if you don’t do your homework.

Courthouse foreclosures are fraught with more exposure and more danger to the buyer. Here, home work is a necessity and you should hire professionals to scour for title issues and liens. Since its an as-is sale, you usually don’t get a chance to walk thru the property before purchase, so you are oft en buying sight unseen, or seen only by drive-thru. Re-member. the homeowners legally own this property until it is foreclosed upon and if you walk on their property, its trespassing.

Naturally, there is more to know than this short article covers, so if you have foreclosure questions, please feel free to call me or another professional Realtor to help. Foreclosures of every kind are a buyer beware sale, so be careful out there!

Gaye Jones is a Senior Mortgage Banker at FBT Mortgage, LLC. NMLS #197176. If you have more questions you can reach her at gjones@fbtonline.com.

by: Diane Vespucci Senior Broker Associate REMAX 100

Buying a Foreclosure:there are some

WWW.SABNJ.COM10

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What is Dry Needling?

First Coast RehabilitationRob StanboroughPT, DPT, MHSc, MTC, CMTPT, FAAOMPT

Dry Needling (DN) is a technique used to treat trigger points by a variety of profes-sionals. It is used by physical therapists in in number of countries and currently in 35 states. It is called “dry” needling because it does not incorporate medication. Instead, the muscle is systematically examined so the trigger point can be palpated and iso-lated. A solid fi lament needle is inserted to the depth of the palpated trigger point to elicit a local twitch response, indicating the palpation and treatment was accurate. Once it twitches, that trigger point is gone.

I have written about trigger points in previ-ous columns. Janet Travell, MD to JFK de-fi ned trigger points as hyper-irritable spots found in a taut band of a muscle. Th ey’ve been written about in medical literature as early as the 1800’s but as with most things, we know a lot more now than we did then. Trigger points are not only painful but lim-it the length of a muscle, strength of a mus-

cle, can alter the fi ring patterns of a muscles and can therefore be a signifi cant cause of dysfunction. Physical therapists use DN primarily as a tool to treat dysfunction.

Trigger points can develop with muscle overloading in a sustained poor posture, repetitive movements, or unaccustomed activities, such as boarding windows for a hurricane or eccentric activities, such as coming down from a ladder. Th e over-loaded produces a microscopic contrac-ture within the muscle. Basically the tiny contractile elements run out of energy, hindering blood fl ow making the tissue “ischemic”. Th is means it lacks blood, oxy-gen and other nutrients. It is also unable to adequately remove waste products, which cause pain and dysfunction.

Trigger points can be treated in a number of ways. Manual pressure can be applied with or without contractions, and modali-

ties can be used such as DN. Th e key to re-storing function is to rid the muscle of the trigger point, restore length/strength and prevent further problems or compensa-tions i.e. postural corrections or improper muscle balance. If not corrected, trigger points can and will return.

Trigger points and their referred pain are major sources of headaches, shoulder pain, feelings of numbness or tingling, low back pain, hip pain, pelvic pain, chronic pain and more. Having said that, I must say, not every ache, pain or limitation is a trigger point. Trigger points are, however, problematic because the nervous system becomes hyper-sensitize, which is called Central Sensitization, but that will have to be the topic for next month’s column.

If you think you have trigger points, a “knot” in your neck, shoulder, back, leg, or elsewhere that won’t go away, DN or oth-

er treatments may help. Consulting with your PT can help. He/she should be able to identify, isolate and treat the trigger point, easing or elevating the pain and restoring function. And as with most dysfunctions, early intervention is better than later. Trig-ger points can get worse over time so don’t wait.

Rob Stanborough has been a DN Senior In-structor of Dry Needling for Myopain Semi-nars since 2010, (www.myopainseminars.com). He is currently the only Physical Th er-apist permitted to perform DN in the state of FL. He is president and co-owner of First Coast Rehabilitation (www.fi rstcoastrehab.com), as well as co-author of Myofascial Manipulation:Th eory & Application, 3rd ed by Proed Inc. He has presented on the topic of soft tissue dysfunction in a variety of ven-ues. Read previous columns posted on www.fi rstcoastrehab.com.

October 2017 13

“Recalibrating...Again”

by Fr. Nicholas A. Marziani, Jr., D.Min.

We had to do it last year, right aft er Mat-thew. And now we’re having another go-around, post-Irma. Some would just call it “adjustment” to the circumstances. I prefer the word “recalibrate”; it better resonates with my engineering background.

Actually, recovery aft er a major storm with its subsequent reconsideration of one’s ex-pectations for the quality of “Th e Good Life” is just a metaphor for the dynamic of life in general. Storms come in various guises.

Th ey can be meteorological. Th ey can also be relational. Th ey may come surging in like a tidal wave of economic woes and reversals. And they can simply be “existen-tial,” a word being lobbed around a lot these days like the volleyballs up at the courts of Pier Park.

Whatever form they take, life is constantly requiring us to recalibrate our hopes and dreams, and our sense and sensibility of what is and what is not for real.

If we’re wise we’ll use these opportunities – these oft blessings in disguise – to refl ect

and to grow in love and grace, and if I may say so (I am a preacher, aft er all) in the knowledge of God. If, however, we start be-having like little, pouty children who have had their favorite toys taken from them, well, as one sage put it, “we’re wasting our sorrows.”

I saw a quote the other day attributed to the Dalai Lama that keeps rolling through my brain: “Pain is inevitable, suff ering is op-tional.”

Th e great spiritual traditions of both East and West seem to converge on this one Big Idea: Th at ultimately life is for learning.

And we can choose either to embrace its lessons and advance along the path of hu-man development, or demand that the uni-verse, as incomprehensively huge as it is, conform to our puny expectations. It really is as simple – and as challenging – as that.

Wishing you all a blessed and fruitful School Year!

May the Lord be with us all,Fr. Nick

St. JamesChurch

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Fresh, Local Seafood Prepared the Way You Like it!

Lunch & Dinner: 7 Days 11am-9:00pmEarly Bird Specials: M-F 3:30pm-5:30pm

Beer, Wine & Full Service Bar • Happy Hour: M-F 4:30-6:00pm

St. Augustine’s Best Casual Oceanfront

Restaurant

“GRILLED, FRIED, STEAMED, BROILED, SAUTEED or BLACKENED”

• CHICKEN, PASTA, STEAK, BURGERS & WRAPS •

(904) 471-870045 Cubbedge Rd. Crescent Beach

www.southbeachgrill.net

DineUpstairs

and enjoy Breathtaking Oceanfront

ViewsSpiritually Speaking

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Berta Odom

Cell: 904-466-0114Offi ce: 904-825-2700Fax: 904-461-9501

2798 US 1 South St. Augustine, FL 32086Independently Owned & Operated

E-Mail:propertybyberta@aol.com

Web:www.bertabythebeach.com

2013 Realtor of the Year

October 2017 15

Professional Packing, Shipping & Mailing Service Center

(904)460-00221965 A1A South • St. Augustine Beach

Anastasia Square Plaze • Next to Betty Griffin Store A1A & 312

Packing Services & Supplies • Large Freight • Mailbox Rentals• Notary • Fax/Copy Service • Greeting Cards • Document Shreding

With Safe ShipYou Have OptionsWe Mail Packages, Sell Stamps, We Do Certified, Return Receipts,

Priority Mail & Express Overnight • Open M-F 9AM-5PM, Sat 9AM-1PMFor info & directions please see www.safeshipstaug.com

Robert C. Kelsey MD

(904) 827-0078

Accepting New Patients Board Certifi edCardiology &

Internal Medicine

2720 U.S. HWY 1 SOUTH, STE BST. AUGUSTINE, FL 32086

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