MICA hosted its CityCouncil Candidates Night onJanuary 25 at the UnitedChurch of Marco. It was thefirst opportunity for the 150people in attendance to meetthe seven candidates and hearwhat they had to say.

MICA President Jim Arnoldmoderated the evening andposed many relevant questionsto the candidates.

The Marco Island residentswho filed and qualified to runfor Marco Island City Councilare Joseph Batte, Heyward

Boyce, Ted Forcht, ChuckKiester, Rob Popoff, JosephSimons, and Steve Stefanides.Some very interestingresponses came forth. Some ofthe questions and thecandidates’ responses are listedon page 14.

Marco Island City Council Candidates

A Periodic Publication of the Marco Island Civic Association. Read by Over 20,000 Members.News and Reviews of What’s Really Happening on Marco Island. February, 2006

Visit our web site: www.marcocivic.com 2006 Issue 1

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The Marco Island Civic Association recently surveyed itsmembers with regard to the length of time boats should bepermitted to anchor in the Marco Island waterways. OnDecember 6 MICA mailed 5,930 surveys to our members. Thesurvey consisted of just one question, which is listed belowalong with the number of respective responses.

How long should a boat be permitted to anchor in thewaterways within the corporate limits of the City of MarcoIsland?

One day 536Two days 280Three days 692Four to seven days 329Eight to fourteen days 111Fifteen days or more 120

Although “zero” and “thirty” days were not options fromwhich to choose, 34 members wrote in votes for “zero” daysand one member wrote in “thirty” days. We also receivedvarious notes from members saying they did not live on thewater, did not feel qualified to answer the question, andtherefore, did not enter any number of days.

Based upon the fact that 75% of the respondents wishedto limit anchoring to three days or less, the MICA Board ofDirectors voted unanimously to endorse an anchoring limit ofthree days or less. In addition, to protect the sanctity of thesingle-family homes and neighborhoods, the MICA Board alsorecommends anchoring at no less than 200 feet from any man-made structure. To make the City Council aware of thewishes of property owners on Marco Island and to assist intheir decision making, this information was supplied to theseven members of City Council.

Welcome back to all yousnowbirds! We’re glad to seeyou again and appreciate yourreturning.

MICA has had an extremelybusy couple of months. We havehosted our Annual Meeting, aMarco Island City CouncilCandidates Night, co-sponsoredhealth seminars, and unveiled awonderful piece of sculpture atSarazen Park. In addition, wesurveyed our members regardinga proposed waterways ordinanceand represented the membersbefore City Council regardingdecreasing density on ourbeautiful island. This edition isfull of articles and pictures ofsome of these events.

MICA’s 2006 Humanitarianof the Year Award was presentedat our Annual Meeting to a verydeserving Luise Romano. Asalways, Luise was gracious inaccepting the award, stating thatshe felt honored to follow pastrecipients. Please read the fullarticle on page 8.

The Residents’ BeachPavilion has been under con-struction since June and is sovery close to opening. We lookforward to taking down theconstruction tape and signs andopening the doors to this fabulousnew facility to our members!

Please enjoy reading thisissue of the MICAWAVE,possibly sitting under apalm tree!

MICAWAVE is the periodic publication of the Marco IslandCivic Association for the benefit of its members. Copyright 2006 ©

Marco Island Civic Association, Marco Island, FL.All Rights Reserved. No part of this publication may be

reproduced without the written permission of the publisher.

Anchoring - How Long?by Ruth McCann

President’sLetter

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Homeowners associationsand their counterparts, such ascondominium or cooperativeowners associations, haveundergone explosive growth inthe past few decades. In 1965there were only 500 suchassociations. The latestinformation from theCommunity AssociationsInstitute (CAI), the trade groupfor homeowners associations,indicates there are more than250,000 associations in theUnited States.

Approximately 50 millionpeople now live in developmentsgoverned by homeownersassociations. This growth isaccelerating, with an estimatedfour out of every five housingstarts included in a homeownersassociation.

In the absence of statelegislation to the contrary, anassociation’s rules will takeprecedence over less restrictivelocal land use regulationsbecause the residents of theassociation have agreedcontractually to be bound bythose rules. Thus, a homeownersassociation is able to restrict, oreven prohibit, uses of propertythat would be allowed under thecommunity’s zoning.

Most homeowners associationshave mandatory membershiprequirements, however, theMarco Island Civic Associationis a voluntary membership of$35 per year. With the year

MICA Celebrates 20 Years ofDeed Restriction Oversight

by Bill Patterson, Deed Restriction Specialist

ending August 31, 2005, therewere 6,700 MICA members.This number does not includeResidents’ Beach members.

Deed Restrictions wereassigned to MICA from Deltonain 1986. Although the deedrestrictions were not as wellwritten compared to ourstandards of today, they remainan important part of ourfunction. Thirty years ago theMackle Brothers did not foreseea 5,000 square foot house on an8,800 square foot lot.

Homeowners associationsare organized on a democraticmodel. Members of the MarcoIsland Civic Association elect aboard of directors from amongits members. An association

board meeting is roughly com-parable to a city council meeting.

There are several importantbenefits to living in adevelopment governed by acivic association. The mostsignificant is the proven trackrecord homeowners associationshave in maintaining, and oftenenhancing, property values.Developments with civicassociations better protectproperty values because theassociations provide somecritical benefits to residents thatthey normally would not be ableto obtain on their own.

The association providesgreater certainty that thecommunity will remain

October 30, 1986 - Deltona assigns deed restriction authority to MICA.Richard McManon, Esq., J Barrett White, MICA President,

James Stackpoole, Vice President Deltona Corporation.

continued on page 9

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American Artist’s SculptureDisplayed at MICA’s Sarazen Park

by Ruth McCannSarazen Park is sporting a

wonderful piece of sculpturethat feels right at home! OnJanuary 26 “It’s Only a Game”was officially unveiled. MICA’sSarazen Park is named after golflegend and Marco Island residentGene Sarazen.

As you can see in thesepictures on the page opposite,“It’s Only a Game” is a tributeto the great game of golf. Itstands 7’3" tall and featuresthree golfers, two men and awoman, from the 1900’s fightingover a ball.

The Marco Island Foundationfor the Arts launched“ArtQuest,” a fine arts projectthat illustrates the organization’smission of promoting thedisplay of art in public placeson Marco Island. The MarcoIsland Civic Association, alongwith 14 other businesses on Marco,is sponsoring a sculpture, whichwill be displayed throughout theyear. An ArtQuest tour map isavailable and each piece is listedalong with information regard-ing the artist and the sponsor.

Bill Bond, the sculptor of“It’s Only a Game”, spent hisyouth in the ranching country ofthe Texas panhandle. He wenton to complete his studies at theArt Center School in Los Angeles,California. Moving to Dallas,Bill had a successful career inadvertising — winning over 100awards throughout the U.S. He

was also named Art Director ofthe year in the Dallas/FortWorth area during his career. In1980, Bill moved into fine artwith his first sculpting efforts,using traditional western themes.Creativity and ideas led to otherthemes — including Biblicaland historical. Then, aftermoving to Loveland, Colorado,he added a fun type of art thathe refers to as ‘whimsical’.

In all of Bill’s bronzes,humor is evident in a subtleway. “I’m trying to take you tothe barely perceptive edge ofhumor — to a point where youlaugh, but are hard-put toexplain why,” says Bill. He saysfurther, “Style is not art. Art isgood design, studied exaggeration,

interesting rhythm...just aboutany theme can be legitimatelyexplored in art, and humorcertainly is one of them.” Billhas exhibited in the CowboyArtists of America Museum inKerrville, TX; the DelawareMuseum in Wilmington; thePanhandle Plains HistoricalMuseum in Canyon, TX; andthe Gilcrease Museum in Tulsa,OK. The Knox Gallery inNaples displays Mr. Bond’sartwork, which is available forpurchase.

We invite you to stop byMICA’s Sarazen Park, on thecorner of South Collier Bld.and Swallow Avenue, toview this outstandingAmerican work of art!

“It’s Only A Game”

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The Shell Gameby Jo Anne Youman

There are many interestingvarieties of shells on the sandybeaches of Marco Island…andnow is a good time of year tocollect them. Here are a few ofthe little known facts about sealife…see how many you canguess correctly. (Answers areon page 18)

The best time of day to goshelling is:1. At high tide2. Mid-afternoon, after all the walkers are through3. Before a storm4. Early morning

Where do shells come from?1. Grow in the sea in egg-casings2. Live under the sand and rocks3. Egg cartons at the grocery store4. Fish bring them to beach areas

What is the official state shellof Florida?1. Lightening Whelk2. Murex3. Conch4. Coquina

What is the name of the animalinside the shell?1. Worm2. Charley3. Mollusks4. Glob

How many types of shells arethere?1. Painted shells2. Bivalve3. Soft Shells4. Univalve

Where is the largest shellsmuseum in the USA?1. Marco Island2. Hawaii3. Sanibel4. Fort Myers

What is the name of the studyof shells?1. Shellology2. Conchology3. Aqua-ology4. Murexology

Name the most common shellfound on Marco Island1. Conch2. Sand Dollar3. Coquina4. Olive

Since there are so many varietiesof shells, where do they gettheir names?1. From a landmark2. Person who discovered and recorded it3. Book of shells4. Ask a friend

Shells are:1. Home for a mollusk2. Grown for jewelry3. Used for musical instruments4. Indestructible

Urchins are a round ball-typeshell with long spines. What isthe best way to clean them?1. With tweezers2. Snap off the spines with fingers3. Soak in water and bleach overnight

4. Roll in the sand

What shell has been used tomanufacture buttons?1. Clam2. Pen Shell3. Conch4. Sand Dollar

What shell has the outline of apoinsettia on its bottom?1. Clam2. Tulip3. Sand dollar4. Olive

What has no head or tail, norleft or right side and eatsmollusks such as oysters andscallops?1. Cowries2. Turtle3. Starfish4. Coquina

Which shell has rows of eyesand each eye has its own lensand retina?1. Sand Dollar2. Cockles3. Scallops4. Olive

Turn to page 18 for theanswers!

If you are interested inshells, the Marco Island ShellClub will sponsor a show at thePresbyterian Church on March23rd through 25th, 2006 from10am to 4pm. You won’tbelieve the amazing items youcan make from shells.

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Collier Regional Medical Center –Closest Hospital to Marco Island

by Ruth McCann

At MICA’s Annual Meetingon January 19 Mike Mastej,Chief Executive Officer ofCollier Regional Medical Center,explained that there will soon bea state of the art, 100-bed acutecare hospital that will serve thehealthcare needs of CollierCounty, and it will be situatedas the closest hospital to MarcoIsland. Collier Regional MedicalCenter is currently underconstruction along Route 951(Collier Boulevard) at RattlesnakeHammock Road and is part of theHealth Management Associates(HMA) organization. The260,000-square-foot facility isbeing constructed on a 60-acresite east of the Florida SportsPark on the south side ofCollier Boulevard. The newfacility will also include an80,000 square foot professionalbuilding. The hospital openingis planned for January 2007.

This advanced medicalcenter will have emergencyservices, outpatient services,and obstetrical services as wellas a host of other advanced careservices, such as clinical laboratoryservices, MRI, C/T scanner,nuclear medicine and angiography.All 100 rooms are private,which Mr. Mastej stressed is

vital to the recovery of theirpatients. He also stated that thefacility could grow to 400rooms in the future. Thebreakdown of rooms is asfollows:

100 All Private RoomsMedical/Surgical - 60 bedsObstetrics/Gynecology - 14 bedsIntensive Care Unit - 12 bedsStep Down - 7 bedsPediatrics - 7 beds

Mr. Mastej emphasized thatcommunication with all countycitizens is important in thatresidents will support thehospital financially through theuse of the services offered.The hospital will add theequivalent of 300 full-timepositions to the community.HMA cares about and supportstheir employees through trainingand education, who in turn arecaring and committed to patientsand the organization. At thesame time, HMA is a stableorganization that is financiallysound and will provideapproximately $3.5 millionannually in tax revenue to thecounty, state and federalgovernment.

Just days following MICA’sAnnual Meeting HMAannounced that it had entered

into an agreement to purchaseCleveland Clinic Naples. Thetransaction should be completedby June 30, HMA said in astatement.

“We believe this acquisitionwill complement our de novoproject, the 100-bed CollierRegional Medical Center,currently under construction insouthern Collier County, therebyproviding more effectivecompetition in Collier County,”Joseph Vumbacco, HMA’s chiefexecutive officer and vicechairman, said. “Upon completingthe transaction, the existingCleveland Clinic - NaplesHospital medical staff will soonbe able to serve the communityat two Collier County hospitals,effectively improving access tomore of the area’s residents.”

After completing the ClevelandClinic transaction in Naples andtwo other announced transactions,HMA will operate 62 hospitalsin 16 states with about 8,995beds. The Cleveland Clinic -Naples hospital has 83 beds.

You can access CollierRegional Medical Center’s newwebsite for further informationabout this hospital which isapproximately 10 miles fromour island – collierregional.com.

- 8 -

The 2006 MICAHumanitarian of the Year Award

by Lynn BradeenThe MICA Humanitarian of

the Year Award has become themost prestigious award on MarcoIsland. This valued award wasdeveloped to honor the unsungheroes of Marco Island, thepeople who do so much for somany. The wonderful peopleyou do not hear much about.

Past recipients of thisprestigious award include MimiTorbush; Shirlee and BrianBarcic; Ward Bradeen; D’Annand David Brandt; Dr. Sam andMary Ann Durso; Judy andArturo Perez; Maury Dailey; ArtSegal and Stevi Walthour.

The 2006 honoree is a veryspecial person with a heart ofgold and a long, long history ofbeing there for others. Ourhonoree has led a very courageousand giving life. The mostobvious and impressive attributethat comes to the surface overand over is the loving andgiving compassion our honoreeextends to others.

Our honoree was selectedclass Salutatorian and the “mostlikely to succeed” in highschool. University was completedat night after work by ourhonoree. Our 2006 honoreewas a scout and PTA leader andan auxiliary member of her localfire department.

Here on Marco Island ourhonoree was active with theYMCA teens, President of

Kiwanis Club, co-chair of theFeast of San Gennaro, a volun-teer at the Cancer Society and awilling and eager volunteer atHabitat for Humanity, buildinghouses for others. Our honoreeis a Eucharistic Minister at SanMarco Catholic Church, and Iam proud to say our honoree isa hard working member of theMICA Residents’ Beach AdvisoryCommittee.

Our Humanitarian of theYear can often be found cleaning,working and care giving, free ofcharge, to our community’selderly who need assistance.

Of the many accomplishmentsthe one I find the most impressiveis the untold hours our honoreespends with cancer patients. As

a two-time cancer survivorour honoree knows first handthe trials and tribulations ofthis dreaded disease. Ourhonoree steadfastly refused tobe brought down by the evilsof cancer. While fighting thevictorious battles over cancerour honoree was an inspirationto everyone around. Todayour honoree quietly shares thisinspiration and love of lifewith others who need helpfighting the battle.

These are just a few of theoutstanding contributions to lifeour 2006 MICA Humanitarianof the Year, Luise Romano,has given to those around her.Congratulations, Luise, andwe thank you!

Luise Romano, 2006 Humanitarian of the Year

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Healthy Life Lecture Series Continuesby Kathy Sullivan

The Healthy Life LectureSeries is sponsored by MICA inconjunction with The City ofMarco Island, YMCA of MarcoIsland and Cleveland ClinicFlorida Naples. All four institu-tions have joined together tobring these first class informativeprograms to Marco Island.

In December Dr. Kelly Gilldiscussed sleep disorders andgave some helpful hints to ensurea good night’s sleep. Dr. Gill alsooutlined some of the major sleepdisorders, how they are diag-nosed and treatments available.

On January 19, Dr. StevenGoldberg, orthopaedic surgeon,

presented information onshoulder injuries and the ad-vanced techniques that are nowavailable to treat them.

Three more topics will bepresented in February, Marchand April. Mark your calendarnow and plan to attend.

Arthritis and Joint Replace-ment by Michael Wilson, M.D..Learn the latest about jointreplacements. February 28,2006 Mackle Park, 7PM

Avoidance, Detection andEradication of Skin Cancerby Stephen Ducatman, M.D. Takesteps now to lower your risk of

this preventable disease. March28, 2006 Mackle Park , 7 PM

Healthy Heart-HealthyLifestyle. Speaker and programto be announced.

All lectures are free and takeplace at Mackle Park at 7 PM.Refreshments are served andsmall door prizes are provided bythe participating organizations.

On the final evening a drawingwill be held for an ExecutivePhysical donated by ClevelandClinic and valued at $2,700.Attend all five lectures and havefive chances to win!

physically attractive over timeby imposing, and privatelyenforcing through fines andassessments, rules on architec-ture, landscaping, accessorybuildings, fences, signs andrelated matters.

The Marco Island CivicAssociation works closely withthe City of Marco Code Enforce-ment officials and the BuildingDepartment. Although ourregulations vary, if MICA findsa violation of City codes, we willnotify the Building Departmentor Code Enforcement Department.In the City’s application for abuilding permit, it advises theapplicant to check with MICAto see if there are applicabledeed restrictions on the property.

Deed Restrictions... Continued from page 3Deed Restrictions apply to

most of the Island. The excep-tions are Old Marco, everythingnorth of the center of OldMarco Lane, the Highlands,Esplanade, Hideaway and someof the beach front properties.

The City of Marco Islandand Collier County have re-zoned several residential prop-erties to commercial. At thesame time, the properties werestill deed restricted as singlefamily. Case in point: Mazziniproperties on San Marco Road,east of Bald Eagle. MICAtook this to court and after along and costly battle, theCivic Association prevailed.The deed restrictions wereupheld, thereby, protecting the

sanctity of the single familyneighborhood.

MICA’s ARC reviews allnew construction, remodeling,and pool construction.

1,500Average number ofsquare feet in a newhome built in 1970

2,340Average number ofsquare feet in a new

home built in theUnited States today

3,260 Average number of

square feet in a new home built on Marco Island today

- 10 -

Rony Joel and his wife ofalmost 31 years, Nora, visitedNaples over Christmas vacationin 1997, drove over the bridgeto Marco Island, stopped at arealty office and returned toPittsburgh with a house! Whentheir youngest daughter graduatedfrom high school in June 1999they moved full time to Marco.Both of Rony and Nora’sdaughters have since graduatedfrom the University of Florida.

Mr. Joel’s engineeringexperience spans well over thirtyyears in both transportation andenvironmental. Mr. Joel servedas Vice President-Pittsburgh, PAwith Camp Dresser McKee, oneof the top five water and waste-water treatment organizations inthe world. He joined the City inJuly 2004 as Director of Public

Meet Rony Joel

Works and in February 2005 theindependent utility division wasadded to his department.

A big challenge in his positionis the constant criticism by well-intentioned individuals whodon’t necessarily have all thefactual information. Mr. Joel’sjob, as with all city staff, is toimplement policy set by theMarco Island City Council.

Joel is a Diplomate with theAmerican Academy of Environ-mental Engineers, a member ofthe Marco Island Rotary, amember of this year’s Leader-ship Marco class, and also holdsthe high honor of Eagle Scoutwith the Boy Scouts of America.

Mr. Joel holds an M.B.A.from Baldwin-Wallace College,a Masters in environmental civilengineering from PurdueUniversity, and a Bachelors incivil engineering from ClevelandState University.

Mr. Joel reported good

news in that the South CollierBoulevard project is on scheduleand on budget to be completedby early May 2006.

Additionally, workshopswith MICA, Restaurant Asso-ciation, Realtors, Chamber andthe Condo Association wereheld and based upon thatfeedback a plan was devisedand implemented for the NorthCollier Boulevard project. Thefirst phase of the project, northof San Marco Road to theSmokehouse Bay Bridge, isscheduled to begin on April 1,2006, and to be completedDecember 15, 2006. Thesecond phase, SmokehouseBay Bridge to Rose Court, willrun from April 1, 2007 toDecember 15, 2007. Basedupon funds available, theremaining portion of NorthCollier Boulevard to Button-wood Court will have minorroad repairs performed.

Unused Cell PhonesClutting Your

Drawers?Drop them at the MICA office

and The Shelter forAbused Women and

Children will retrofit themto dial 911 only.

- 11 -

Concerned About Your Pension?by Howard Jordon CFP®, AAMS

In the wake of poor marketperformance over the past fewyears, a number of traditionalpension plans sponsored byprivate employers do not havesufficient assets to provide thepromised benefits. These plansare under funded.

In general, if your plan is atraditional pension plan, itpromises to pay you a specifiedmonthly benefit in retirement.Your plan may specify a flatdollar amount, such as $700 permonth. Or, more commonly, itmay specify a benefit formula,which takes into considerationother factors such as your ageand your length of service. Forexample, your plan may providefor a benefit equal to 10% ofyour average salary, based onyour three highest wage earningyears with your employer, forevery year of service with youremployer.

With a traditional pension plan,your employer is responsible formaking all contributions to theplan. Each year, your employermust hire an actuary to calculate,based on interest rate and otherassumptions, the amount thatmust be deposited into the planso that the plan will be able toprovide the promised retirementbenefit.

So, how will you know ifyour plan is under funded? Ifyou want to check the status ofyour pension plan, simply askyour Plan Administrator to tell

you what your plan’s fundedpercentage is. In fact, you maywant to inquire even if you arenot concerned about your plan.

What happens if your plan isunder funded? Don’t panic.Even if your plan is underfunded, it may not be in trouble.Many plans become underfunded for one reason or an-other. It doesn’t mean youremployer will not be able tocure the plan. Most plansrecover quite nicely within acouple of years. And, for thoseplans that continue to havetrouble, help may be availablefrom the Pension BenefitGuarantee Corporation (the“PBGC”).

The PBGC is a federalagency that protects and insurespension benefits in privatesector pension plans. When aplan has insufficient assets topay all promised benefits andthe employer is not able to curethe plan, the PBGC will step into pay the promised benefit, upto certain limits set by law.When this happens, it is likelythat some employees will notreceive the entire benefitpromised under the plan. TheSummary Plan Description,provided by your PlanAdministrator, will tell you ifyour plan is covered by thePBGC.

What should you do first ifyou find your plan is in trouble?Unfortunately, your options are

limited with regard to the plan.However, you are able toreexamine how you save forretirement. For example, youmay need to add a column ortwo of additional support byincreasing your salary deferralcontributions to your 401(k), ifany, and your IRA or annuity.

It is always wise to stayinformed, especially about oneof the resources supportingyour retirement plan. Yourinquiry may uncover a need tomodify how you save forretirement by adding another“column of support”.

One of the most importantsteps you can make now is tobecome informed: informedabout your pension plan andinformed about other options.You will want to consult withyour Financial Advisor as a partof your information gatheringprocess and to review anyadditional proactive steps youmay want to take.

Howard J Jordon isVice President of Investments at

Raymond James & Associates Inc.,8889 Pelican Bay Blvd., Suite 200,

Naples, FL 34108-7503, and hecan be reached at 239-513-6532

GARAGEDOOR REPAIRS

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- 12 -

Common Mistakes in Estate Planningby Ann Howard Banzet

Cheffy Passidomo Wilson & Johnson, LLP, Naples, Florida

While not everyone needsestate tax planning, everyoneneeds estate planning. Here arefour common mistakes that canbe quite costly, but are easy toavoid with just a little bit ofplanning.1. Failure to Have a Plan.Unexpected death or disabilitycan happen at any time. Accordingto a 2003 survey by the AARP,over fifty-seven percent ofAmerican adults do not have awill. Failure to have a willmeans that your assets will passvia Florida’s laws of intestacy.

Many people assume that ifthey are survived by a spouseand have no will (that is, die“intestate”) their assets willautomatically pass to thespouse. Under Florida law,this is only true if the decedenthad no children. If the dece-dent is survived by a spouseand children or grandchildrenfrom the marriage, the first$60,000 of the estate, plusone-half of the remainingestate will pass to the survivingspouse. The rest of the estatewill be divided among thechildren. If the decedent haschildren other than with thesurviving spouse, thesurviving spouse will receiveonly one-half of the estate.Also, a spouse who is legallyseparated from a decedent willstill be treated as a spouse forthis purpose.

An estate plan includes morethan just a will. A comprehensiveplan begins with preparationsfor the chance that you becomeincapacitated and are unable tomake your own personal, healthcare, and financial decisions. Ifyou fail to name someone tomake those decisions for you,then a court may have toappoint someone to make thosedecisions for you. If you haveminor children, you should becertain to name a legal guardianfor them in the event somethinghappens to you.2. Failure to review andupdate an existing plan. Anestate plan is only as good as itis current. Life events, such asbirth, marriage, divorce, death,retirement, change in incomeand change in net worth, as wellas changes in law, are some ofthe key times when a planshould be reviewed.

A prime example is a personwho has a will, marries subsequentto the date of the will and dieswithout executing a new will.Under Florida law, unless theparties entered into a prenuptialor postnuptial agreementwaiving the right, the survivingspouse is considered a pretermittedspouse and will be awarded anintestate share of the deceased’sestate. The same rule appliesto children (not grandchildren)who are born or adopted afterthe date of the will.

Divorce or annulmentfollowing the execution of awill in Florida revokes all giftsand administrative appoint-ments in favor of the formerspouse. While the rest of thewill will be valid, the ex-spouseis treated as predeceasing thetestator. This rule only appliesto divorce or annulment for thetestator. It does not apply tospouses of children orgrandchildren. 3. Failure to have correctbeneficiary designations.Certain assets, such as IRAs,401(k)s and other QualifiedRetirement plans, annuities andlife insurance, pass outside of awill through beneficiary desig-nations. If you name a minorchild as a beneficiary, that childwill receive the money at age 18,regardless of what your otherestate planning documents mayprovide. If you name yourformer spouse as a beneficiary,divorce does not remove thedesignation, so absent a changeof beneficiary designation, theformer spouse would stillreceive the assets.

A major problem in this areaconcerns IRAs and QualifiedRetirement Plans. The rulesregarding distributions fromthese plans are complex. Evenif you do not have a taxableestate for estate tax purposes, an

Continued on page 13

- 13 -

improper beneficiary designationmay trigger unnecessary incometax consequences. Properplanning may allow the moniesfrom these plans to be rolledover to a surviving spouse orpaid out over a long period oftime to reduce the tax consequences.

4. Failure to obtain competentassistance in estate planning.One of the main reasons peopledo not talk with an estateplanning attorney is that they donot know what they need to do.An estate planning attorney canexplain your options, talk withyou to help you figure out whatplan is right for you based on

Safe Boating is No Accidentby Tony Saputo, Public Affairs Officer

U.S. Coast Guard Auxiliary, Flotilla 95 Marco Island

Whether you are the proudowner of a new boat or aveteran boater, if you areboating around Marco Island,the 10,000 Islands or aroundNaples during January, February,March and April, you are boatingduring the busiest time of theyear. How many times have youshaken your head because ofthe way you observed a boatbeing operated in an unsafemanner? Or wondered if theother boat operator knows thenavigation rules? Do you havethe required equipment aboardyour boat to meet Federal andState regulations?

Responsibility for operating aboat and meeting the equipmentrequirements begins before youstep aboard a boat and longbefore you get underway. Byenrolling in a boating coursesuch as Boating Skills andSeamanship (4 weeks), a twoevening GPS class, a twoevening class on how to readand navigate with a nautical

chart. You will become a safer,more knowledgeable recreationalboater.

We presently have 24 peopletaking our Boating Skills andSeamanship course that startedon January 9 and 18 people thatcompleted our GPS class onJanuary 11.

Registration for the nextGPS class will begin on February7 and February 13 for the nextBoating Skills and Seamanshipclass. Registration for How toRead and Navigate with aNautical Chart will be onMarch 7. All classes are held atthe Coast Guard Auxiliarystation located in CaxambasPark and begin at 7:00 PM andend at 9:30PM.

For further informationabout boating classes, please callJoe Calzone, Public EducationOfficer at 239-389-3605.

Another important mission ofthe Coast Guard Auxiliary is ourVessel Safety Check Program.What is a Vessel Safety Check?

A vessel safety check is aFREE examination to boaterswho wish to be sure that theirvessel meets all federal andstate equipment requirements. AVSC is NOT a law enforcementissue. No citations are issued ifyour boat does not meet therequirements nor is any otherorganization provided a copy ofthe evaluation. The boat ownerwill be given a copy of thecompleted vessel examiner’sevaluation so that the boater mayfollow some of the suggestionsgiven. Vessels that pass will begiven a distinctive decal to affixto your vessel.

Please call Adriaan terMeulenat 239-389-5729 for an appoint-ment. Vessel examiners willcome to your home or meet youat a boat ramp or marina toexamine your boat.

The Coast Guard Auxiliaryoffers vessel safety checks andboating classes to assist theCoast Guard in promotingBOATING SAFETY!!!!

your circumstances, and thenput it together for you.

An estate plan is an invest-ment that will give you peace ofmind that your loved ones willbe taken care of, your assets willpass as you want, and in theevent of your own disability orincapacity, you will have some-one to take care of you.

Common Mistakes...Continued from page 12

- 14 -

1. How many days and minimum length from aman-made structure would you support foranchoring within the Marco Island city limits?Batte: Study the situation, possibly havedesignated anchoring areas, must be enforceableBoyce: Welcome transient boaters, no live-aboards in internal waterwaysForcht: 3 days, 300 feetKiester: 1 central mooring location withadequate services, easy to policePopoff: 3 days, 300 feetSimons: 3 days, 300 feetStefanides: 3 days, 200 feet.

2. What action do you believe should be takenby the City of Marco regarding a city-widesewer system?Batte: Need more info. City left the peoplebehind in decision making. Concerned aboutcanals and the cost of sewer. Must be betterexplained to residentsBoyce: As an engineer and considering buildout, supports sewering the entire island overthe next 15-20 yearsForcht: Opposed to sewers. Believes therecould be more costs in years to come withsewers. Need to study more and look foroutside funding of sewersKiester: Opposed to sewers. Believes sewersystem is not justified by data and is not theanswer to all problemsPopoff: More research is needed, need to listento the peopleSimons: Need more info. Wait until March 8public meeting. Island has had some areassewered for 40 years and others have hadsepticStefanides: City has been talking about sewerssince 1999. The sewer plant is 30 years old.Concerned about Marco’s environmental futureas well.

3. The Marco Healthcare Center has reducedits hours of operation and is currently openfrom 8 a.m. to 10:30 p.m. What would yousuggest be done with regard to 24 hour healthcare on Marco Island?Batte: Citizens deserve 24 hour care. Cityneeds to take active leadership role in ensuringthere is 24 hour care on Marco.Boyce: Marco should have 24 hour care, butthe decision to close was a business decision byNCH. EMS and other hospitals can accommodateForcht: Need 24 hour care on MarcoKiester: It is essential to have 24 hour care onMarco. City needs to address, possibly leveragecompetition with the new Collier RegionalMedical CenterPopoff: Marco Island residents paid for andbuilt the Marco Healthcare Center. NaplesCommunity Hospital paid $1 for the land.Marco residents should have a fully staffed/24hour medical facility. If Naples CommunityHospital does not want to operate it, the Cityshould look for another entitySimons: Does not think the City should be inthe healthcare business. EMS does a fine jobStefanides: Would encourage MICA to see ifthe hours could be extended. EMS providesimmediate care and there will soon be a newhospital close to Marco.

4. The issue of density on Marco Island willagain be addressed by City Council. What is yourposition regarding Planned Unit Developmentsand density in general?Batte: Keep Marco as it is, as a neighborhood.That’s why we moved here. Get feedback fromresidentsBoyce: Never has seen a perfect set of zoninglaws that fit each situation. Zoning laws can alwaysbe interpreted in different ways. PlanningBoard and City Council work well together.

Candidates Night...Continued from page 1

- 15 -

Forcht: Likes the feel of Marco. Does not wantMarco to become another big cityKiester: City needs a “Redevelopment Plan” inplacePopoff: Need to limit units in wetlands.Downtown, Town Center, could be very nice.Must be careful about buildingSimons: Concerned about replacing the older,smaller condos on Collier Boulevard. Moreand bigger is not better. Foresees infrastructureproblems with redevelopmentStefanides: Mixed use and canyonization ofCollier Boulevard concern him.

5. Are you allied to any special interest groupand has any special interest group promotedyour candidacy? Question from audience: are youallied to Marco Island Taxpayers Association (MITA)?Batte: NoBoyce: NoForcht: No, knows Faye Biles (MITA), but isnot a memberKiester: NoPopoff: NoSimons: NoStefanides: No, he receives MITA & MICAnewsletters.

6. If you are elected to City Council, wouldyou be receptive to considering the results ofmembership surveys, such as the MICA survey?Batte: YesBoyce: Yes, but must determine if the viewpointand results match the voters as a wholeForcht: Yes. City Council meeting is anappropriate venue for residents to speak as wellKiester: YesPopoff: YesSimons: Yes.

7. Have you ever been arrested?Batte: NoBoyce: OccasionallyForcht: NoKiester: NoPopoff: NoSimons: NoStefanides: No.

8. July Fourth fireworks have been funded bythe City of Marco the last two years with theMarco Island Restaurant Associationreimbursing a portion through a fundraiser.Who should pay for July Fourth fireworks?Batte: City of Marco IslandBoyce: City of Marco Island, but otherorganizations should contribute as wellForcht: City of Marco IslandKiester: City of Marco Island, but look forother sources to supplementPopoff: City of Marco IslandSimons: City of Marco IslandStefanides: City of Marco Island.

9. Would you be in favor of the Citypurchasing Marco River Marina?Batte: Hadn’t heard about this. Be cautious,study, be responsible with decisionBoyce: Marco is boating community,tremendous asset to cityForcht: Study situationPopoff: Not aware of the possibility. Needmore infoStefanides: Appoint citizens’ task force toreview and make recommendation to CityCouncilSimons: Hadn’t heard about this. Issues ofcost, timing and payback.

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Exercise is beneficial toyour physical and mental wellbeing. You should try toincorporate some sort ofexercise into your life every day.It will require a lifelongcommitment on your part,perhaps requiring lifestyle change.

If you don’t have anexercise routine and would liketo start one it is best to checkwith your doctor first. The ruleof thumb is that if you are 35 orunder and are in good health,you probably won’t need to see

The ABC’s of Basic Exercise Trainingby Jann Brewer,

ACE Certified Personal Trainer, Co-owner of Marco Fitness Club

the doctor. Most guidelinessuggest that if you are 50 orolder, you should consult with aphysician before beginning anexercise program.

However, no matter whatyour age, if you have highblood pressure, heart trouble, afamily history of stroke orheart attacks, breathlessnessafter exertion or dizzy spells,go to your doctor for a fullcheck up. He will thendetermine if you can start anexercise program, or if you will

need further care. He may alsosuggest some exerciseguidelines for you to follow.

If you have arthritis, orsuspect that you may have it,check with your doctor aboutexercise, and the kind ofexercise he recommends.Severe muscle, ligament ortendon problems should alsosend you to the doctor for hisapproval. If you are takingcholesterol reducing drugs, youshould see your doctor aboutexercising.

Continued on page 19

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Accessorize with Angelica!by Ruth McCann

Angelica Andrews is theproud owner of Angelica’sBoutique, which is located at681 South Collier Boulevard,across from the Radisson Hotel,next to Sunshine Booksellers.Angelica’s Boutique participatesin the MICA Discount Program.

Angelica originally camefrom Chile and now lives onMarco Island with her Americanhusband, Doug, and their son,Christopher. They had vacationedon Marco for 13 years prior tomaking the big move from Miami.

She used to work out of herhome in Miami where she soldher collection of accessories toclients by appointment or at“purse parties.” Just over a yearago, the family bought a condo

on Marco and at the same timethere was an opportunity topurchase a business. It seemedto be perfect timing. Theybought the business and namedit Angelica’s Boutique.

The store has a large selectionof designer-style handbags andevening purses, a colorfulcollection of casual, comfortable,and fashionable clothing for all

occasions. Costume jewelry,sunglasses, and other accessoriesare available that add thosefinishing touches to your outfits.You will not see her pieces comingand going around the island.

Angelica offers a specialtouch by helping her customersachieve a unique, put-togetherlook. You may contact Angelica’sBoutique at 239-394-6632.

Habitat for Humanity HomeStore, Collier Co.

11145 Tamiami Trail East, Naples732-6388

Island Electronics, LLC dbaMarco Island Radio Shack10% off any item in store

1000 N Collier Blvd394-5888

Laminate & Exotic Wood Floorsof Naples

10% off Hardwood FlooringMaterial

2348 J&C Blvd., Naples598-0913

MICADiscount Program

New Members

Don’t let your MICADiscount Card go to waste. Putit to good use, receive your 10%discount and at the same timesupport local businesses andbusiness owners!

There is no better way tokeep money in your pocket.Your $35 MICA membershipgoes a long way when you showyour MICA Discount Card atthe almost 100 stores andbusinesses that support the

civic association.Restaurants? We got ‘em.

Boats and tours? Got ‘em.Flowers? Yep, we have them,too. Specialty shops? Yes,indeed. Supplies for yourhome? Of course. The list ofbusinesses that participate iscomprehensive.

So don’t waste anotherminute. Get out there and getshopping – with your MICADiscount Card, of course.

Free Money Awaits You!

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What Is A Reader To Believe AboutMarco Island Real Estate?

by Maury DaileySensational headlines, one

trying to top the other, are tryingto capture readers to their story.But what is really happeningwith the real estate market?That depends on the writer’sperspective. My previous articlesare specific to only Marco Islandreal estate activity. To get thepulse on sales activity I chose tolook at pending sales versus salesthat have closed. The differenceis that pending sales are thosethat were put under contract thatparticular month. It will close acouple of months later. But thepending contracts measure whatbuyers are doing in our market-place that particular month.

Other articles take differentapproaches to the same facts.To each their own. But the time ofyear from Thanksgiving throughNew Years normally buyers arespending time consumed in theholidays. There have beenabnormal times like last year,2004, when the holiday period wasvery active. But that was unusual.

So, at this time of year it isnot a good time to judge howour market is. Just think aboutwhat happened during thetimeframe we are trying to takea pulse on our market. We werein the Summer time. Usually alittle slower time anyway. Butthen we went through a toughhurricane season and then intothe holidays. So it makes sensethat our numbers would look lowespecially compared to last year

when we had an exceptionallyactive market.

I think that there is a goodargument that there is somepent up demand for our realestate. Buyers were not aroundwhen talk was all about hurricanesand they aren’t around for theholidays either. We did have alot of property owners comedown after the Hurricane toinspect their property. But thenthey left to go home for theholidays. They were not lookingto buy.

After several months ofbuyers being out of the market Iexpect we will see them showup during the first quarter of2006. It coincides with ourSeason. Financing purchasesare still great and sellers haveeased off on some of theirexpectations bringing some pricesdown a little. Our availabilityof property is giving buyerschoices they didn’t have lastseason. All of the demographicsabout Baby-Boomers, EchoGeneration and other buyersgetting into the market are allstill in place and growing.These buyers are all addingdemand for real estate.

Even looking at nationalheadlines about real estatedoesn’t tell the whole story. Weare in a lag time as the GulfRegion gears up to have amassive building boom. Hundredsof thousands of homes andbusinesses need to be rebuilt.

That will have a major impacton the national scene.

So what are all of the headlinesabout? Various financialmarkets compete for our dollars.If there is some chance toconvince us to redirect ourfunds from one thing to anotherthen more power to them totake that liberty to try. Butcapitalizing on the past severalmonths’ slower activity seemsunfair and inappropriate. It alsomeans that Sellers expectingBuyers during these past severalmonths need to think twice andalso reflect on what we havegone though. Maybe their

Answers to theShell Game

from page 6

Early morning;Egg Casings;Conch; Mollusks;Bivalve & Univalve;Sanibel; Conchology;Sand Dollar;one who discoversand records it; homefor mollusks;soak in water andbleach;Pen Shell; Sand Dollar;Star Fish; Scallops.

- 19 -

When you get the OK fromyour physician to start anexercise program you shouldconsider what your goals areand proceed from there. Itwould be in your best interest toconsult a fitness professional toset up a program for you. Hewill take into consideration anyrecommendations from yourdoctor and your goals. Your age,sex, lifestyle and eating habitsare factors that must be consideredto properly evaluate you.

There are four majorcomponents to physical fitness.They are cardio respiratoryendurance, muscular strength,muscular endurance and flexibility.A good workout program willcontain all four componentsincluding a pre-exercise warmup and a post-exercise cooldown, combined with stretching.

Three balanced workouts aweek are recommended but noton consecutive days. Cardioworkouts can be done on a dailybasis. In order to improve,exercise intensity and/orduration should be increased. Itis a good idea to keep anexercise log and record yourroutine. That way you will beable to make a decision, basedon performance, when to increaseweights, intensity or duration.

Keeping a log, or exercisediary, is also a good way togauge which exercise might becausing you some problems. Itwill be easier to determinewhich exercise should beeliminated or adjusted if you’vekept a log of all that you’ve

done. A log will also be helpful ifyou go to an exercise specialistfor a tune-up on your routine ifyou don’t feel that you aremeeting your exercise goals. Hewill be able to garner theinformation he needs from yourlogs and an interview with you.

Another exercise basic thatshould be considered is properclothing. Clothing should beloose fitting, never binding, soyou can move easily. Dress forthe weather and in layers.Remember, dark clothes absorbthe sun’s warmth and lighterclothes reflect the sun’s rays. It’salways safer to wear white orreflective clothing at night. It’salso important to wear theproper footwear for the taskyou’re performing. Make sure youhave a proper fit for your shoes,and don’t let them becomebroken down or worn out. Goodarch support and cushionedsoles are very important.

The best time of day toexercise is the most convenienttime for you. It doesn’t reallymatter when you exercise, as longas it’s convenient. Importantdon’ts for exercise time includeexercising right after eating (it’sbest to wait a couple of hours) andexercising outside during extremelyhot or humid weather. In very hotweather, it’s best to avoidexercising outdoors during thehottest part of the day which isfrom 10:00 in the morning until2:00 in the afternoon.

The important thing, ofcourse, is to exercise. Clear itwith your doctor and get itmoving.

ABCs.... Continued from page 16expectations will need to bere-evaluated. The MarcoIsland marketplace has gonethrough a lot in the pastseveral months. Add to thatall of our road constructionand upcoming sewer construc-tion projects and it makes forsome unusual times.

But, take a look at howgreat Collier Boulevard willlook by seeing the completedroad section in front of theMarriott. Think about howgreat the island will look afterthese major city public worksprojects are completed.

Don’t let headlines andrumor mongers try to talk youinto some negative picture ofthe future of Marco Island.Temporary bumps in the roadshould be expected but thereis no need to think the bumpsare permanent. Making longterm decisions based on shortterm bumps probably issomething not to get caughtup in, as tempting as it maybe.

Let’s judge the market in abetter light sometime afterFebruary or March. In themeantime, enjoy the spin onfacts and figures.

I look forward to seeingyou around our Island para-dise coast!

Maury Dailey was the 2003Vice President of the FloridaAssociation of Realtors, SWFlorida Region. He was the 2003Realtors of the Year and the2002 President of the MarcoIsland Area Association ofRealtors. He is the Broker/Owner of SurfNSun Realty. Youcan direct questions and commentsto him at Maury@MDailey.com

- 20 -

Mitchell Bradbury, grandson of MICA Member Delicia Craft,and Lindsey Sorenson, enjoying the Residents’ Beach.

Both are students at Kansas University

Cafe de Marco

FreshSeafood

since 1983

244 Palm Street, Olde MarcoReservations please 394-6262

Jim HughesELECTRIC CO. Inc.ELECTRIC CO. Inc.ELECTRIC CO. Inc.ELECTRIC CO. Inc.ELECTRIC CO. Inc.

Custom ServiceCustom ServiceCustom ServiceCustom ServiceCustom Service394-7314394-7314394-7314394-7314394-7314

- 21 -

Farewell - You Served us Well!

Beach House inProgress!

Almost there! Look for opening at the beginning of February

- 22 -

Airboat ExperienceBase of Goodland Bridge, 642-3141

Always There Home Health CareAfter first month of service, deduct 5%

discount on weekly billing. Not to becombined with other offers.

317 N. Collier Blvd #201, 389-0170

Angelica’s BoutiqueLatest fashion in clothing & accessories

including handbags, costume jewelry,shawls, sunglasses, belts, etc.

Your styles at your price!681 S Collier Blvd. 394-6632

A. Pinto Self Storage10% off self storage rental fee &

10% off document shredding994 N Barfield Drive, Unit 23 394-1822

Dr. Constance AriaLicensed Psychologist

997 N Collier Blvd, Suite DRoyal Palm Mall, 394-5599

Autocraft5% off non-insurance repairs

Present card prior to estimate beingprepared

754 Elkcam Circle, 642-5309

Avon by Judy & Lucinda10% discount. 642-0297

Balloon Dreams & Party Themes850 Bald Eagle Drive-Lanai Plaza

642-9698

Beachworks10% off excluding sale items

Marco Town Center Mall 642-4888

Beach Unlimited1001 N. Collier Blvd, 642-4888

Blue Marlin Marine Construction10% off Seawall Inspections

418 S. Barfield Dr. Suite A642-4284

Jeffrey M Bogan Insurance Agency, Inc.15% off annual premium for long

term care. 261-6533

Cache Dry Cleaners666 Bald Eagle Dr., Below MICA office

394-0099

Carolyn’s Personal Growth Center -Carolyn Katchmar, Counselor-Marco

Healthcare Center40 Heathwood Drive, 394-1784

Cedar Bay Marina10% off boat rentals & .10/gal off fuel

705 E Elkcam Circle, 394-9333

Champions Pizza10% off any Large Pizza

910 N Collier Blvd, 642-5662

China Rose Florist10% off fresh flowers,

exlcuding out-of-town orders678 Bald Eagle Drive, 642-6663

Cold Stone Ice Cream$1 off purchase or

$3 off ice cream cakeEsplanade, 111 N. Collier Blvd,

393-0046

Mai Cooley Cleaning393-1727

Critter Cafe10% off all goods excluding dog & catfood - 810 Bald Eagle Drive, 389-8488

Crystal Blue PoolsNew customers take 10% off first

3 months’ service799 E Elkcam Circle, 394-8240

Dry Clean & MoreShops of Marco, 642-7222

Dry ‘n Clean Carpet CleaningComplete dry cleaning of your carpets

642-0092

Enterprise Rent-A-Car10% off daily & weekly rates

Across from Texaco717 Bald Eagle Drive #1C, 642-4488

Favorite Finds Antique Shop10 Marco Lake Drive, 642-6206

Front Street Italian Steakhouse10% off menu entrees

23 Front Street, 393-2255

Georgie’s and the Shoe ResortTown Center Mall, 394-2621

GNC, General Nutrition CntrShops of Marco, 642-3336

Great Garage Doors10% off tension spring repairs, 642-9050

Gulf American Marine Inc.10% off parts

994 N Barfield Dr, Suite 4,642-9515

H.I. Studios, Ltd,Memorable Keepsakes,

393-6273

Habitat for Humanity Home Store,11145 Tamiami Trail East, Naples

732-6388

Holiday Rentals10% off all crib rentals1759 San Marco Road

394-6349 or 1-800-472-4064

House of Mozart Restaurant151 S Barfield Dr, 642-5220

Island Electronics, LLC dba MarcoIsland Radio Shack

10% off any item in store1000 N Collier Blvd., 394-5888

Island Pet Sitters389-1837, 272-1659

Island Print Shop10% off all printing - excludes copies

& typesetting 11 Front Street, 642-0077

Islander Pool and Patio, Inc.10% off patio accessories & pool toys

559 Bald Eagle Drive, 642-4844

JetSet Surf Shop10% off everything except hardgoods

674 Bald Eagle Drive, 394-5544

Jewelry by Lauraat the Marriott Hotel, 394-2511

Joey’s Pizza & Pasta House10% off entree items. Dine in Only257 N Collier Boulevard, 389-2433

Kahuna Sailing Catamaran10% off all trips, including Shell Kat &

Sailing Club & School1081 Bald Eagle Drive, 642-7704

Karisma GalleryPottery, jewelry, mixed media with an

island flair, 389-0955Marco Walk, 599 S. Collier Blvd #315

Kid’n AroundAn old fashioned kids’ store

1089 N Collier Blvd, Town Center389-0966

Konrad’s RestaurantMarco Walk, 642-3332

La Casita Restaurant1817 San Marco Road, 642-7600

MARCO ISLAND CIVIC ASSOCIATION “MEMBERS ONLY” DISCOUNT PROGRAMMARCO ISLAND CIVIC ASSOCIATION “MEMBERS ONLY” DISCOUNT PROGRAMMARCO ISLAND CIVIC ASSOCIATION “MEMBERS ONLY” DISCOUNT PROGRAMMARCO ISLAND CIVIC ASSOCIATION “MEMBERS ONLY” DISCOUNT PROGRAMMARCO ISLAND CIVIC ASSOCIATION “MEMBERS ONLY” DISCOUNT PROGRAMThe following businesses would like to say “thank you” and are extending a minimum 10% discount to MICA & Residents’ Beachmembers who present their MICA membership cards AT THE TIME OF PURCHASE. These discounts are not valid with any otheroffers and are at the discretion of each business. Discounts are for MICA & Residents’ Beach members’ purchases only.

- 23 -

Shattuck Lawn & LandscapeNew customers take 10% off 1st

3 months service389-6244

Shells by EmilyThe Resort Bldg,

651 S Collier Blvd, 394-5575

Sherwin-Williams15% off to MICA preferred customers

814 Bald Eagle Drive, 642-3236

Snook Inn Restaurant10% off entire bill

1215 Bald Eagle Drive, 394-3313

Southern Comfort Air

10% off any repair or service work107 North Sunset Drive, 642-6642

Southwest Marine960 Chalmer Drive #101, 394-4168

Summer Day Café10% off vitamins

Town Center Mall, 394-8361

Suncoast Pools594-9353

Sunrise RealtyCommission discount for MICA

members that Sunrise Realty represents606 Bald Eagle Drive, 394-2054

Sunshine Books10% off hardback books

1000 N. Collier Blvd, 394-5343 and677 S. Collier Blvd,393-0353

Tide Beachfront Bar & Grill(at Apollo Beach Front)

900 S Collier Blvd, 389-0509

Tiny Tikes Treasures247 N Collier Blvd 389-1868

4776 Radio Rd, Naples 417-2742

Townsend Retirement Services10% off Long Term Care Insurance

654 Bald Eagle Drive642-7299 or Toll Free 800-831-8328

Two By Faux Finishes10% off master bathroom color wash

272-3090

Vantastic Tours10% off up to 2 children’s fares wheneach child is accompaied by an adult.

394-7699

Walkers MarineParts & service discounted 10% to

customers in Walkers Marine computer785 Bald Eagle Drive, 642-6764

Marco Craft & ShellMarco Town Center Mall, 394-7020

Marco Island Fine JewelryJewelry & Fine Gifts

Town Center Mall, 394-3377

Marco Island Floor CoveringSpecial discounts vary from product to

product, We will not be undersold.1711 San Marco Road, 394-1171

Marco Island Photography642-3500

Marco Island PrincessMarco River Marina, 642-5415

Marco Island Ski & Watersports, Inc10% off their water sports activities at

the Marriott and Hilton Hotels, 393-4344

Marco Island Small Engine10% off parts 47 Front Street #6,

389-0200

Marco Pool Service10% off chemicals

812 Elkcam Circle, 394-3946

Marco River Marina10% off retail goods-excluding

sale items & fuel951 Bald Eagle Drive, 394-2502

Marco Upholstery10% off cornices & headboards,

not to be used with any other offers919 N Collier Blvd, 394-8338

Margie’sPlease present at time of purchase

Shops of Marco,389-4224

Mobile Tactics20% off CCW & other private classes,

by appointment555 E Elkcam Circle, 866-662-4400

Ne Ne’s Kitchen10% off breakfast & lunch, dine-in only

356 North Collier Blvd., 394-3854

Nikken10% off retail wellness products

651 S Collier Boulevard, 394-1580

Off the Hook AdventuresSailing, Shelling Sightseeing Charters

$30 off half day sailing charter &$50 off full day sailing charter

239-571-HOOK

Old Marco Lodge401 Papaya - Goodland,

642-7227

Optical Boutique of MarcoMarco Walk #209, 642-4776

Chet Palys ScreenPO Box 801, Marco, 394-0310

Paradise Shrimp Company10% discount on fresh, raw seafood

Not valid with other discounts721 Bald Eagle Dr,

394-3686

Prime OutletsDiscount pack at Management Office

1722 Isle of Capri Rd, Naples,775-8083

Roberto’s Gourmet CoffeeMarco Town Center,

394-8388

Rolsafe Shutters909 N Collier Blvd,

394-7489

Royal Palm Hair Studio, Inc.10% off all hair products by Joico &

Paul Mitchell981 N Collier Blvd, 394-7800

Sailmaker, Bronwen McKiever20% off do-it-yourself Sunbrella cloths,

vinyls & cleaning products.“The only sailmaker between Ft.

Lauderdale & Sarasota”350 Royal Palm Drive, 248-3169

The Sand Bar10% off food. Regular menu items only

(please present card before ordering)826 E Elkcam Circle, 642-3625

Scubadvertures1141 Bald Eagle Drive,

389-7889

Sealco of S.W. FL., inc10% on any exterior repaint with

premium paint package,642-0906

Laminate & Exotic Wood Floors ofNaples

10% off Hardwood Flooring Material2348 J&C Blvd., Naples, 598-0913

Little Caesar’s Pizza10% discount off regular menu prices

911 N Collier Boulevard, 394-4422

Lotus Blossom Feng Shui Designs10% discount on 1st consultation

404-0678

Maintain Domain, etc.Joan Jennings, 941-394-1971

Marco Community Bank1770 San Marco Road, 389-5200

Marco CatTown Center Mall, 394-6944

MARCO ISLAND CIVIC ASSOCIATION1770 San Marco Road, Suite 204, Marco Island, FL 34145

PRESORTEDSTANDARD

U.S. POSTAGE PAIDPERMIT NO.2397

TAMPA, FL

Scenes from MICA’s Annual General Meeting, January, 19th 2006