12/17/2020 ISSUE 51

Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 51

HEALTH

the body does not use insulin well or “For puberty and growth issues I ad- out a diagnosis and treatment. “Their treatment becomes a fam-
produce enough insulin, and cannot minister a bone-age X-ray on the left Children can also be diagnosed with ily effort, so everyone needs to be in-
keep blood sugar at a normal level. Of- hand which tells me how old the body volved.”
ten there is a family history with this thinks it is. Just as science teaches you genetic disorders caused by a change
type of diabetes. that in order to know how old a tree is in the DNA frequency away from the Dr. Palau-Collazo said the best ad-
you have to cut the trunk and measure normal sequence. They can be caused vice she can give to parents is to keep
“Type 2 diabetes used to be known the rings, in order to know how old our by a mutation in one or multiple genes, up with the scheduled pediatrician
as adult-onset diabetes, but today body thinks it is we need to look at the environmental factors or by damage to appointments because the earlier a
more children are being diagnosed bone X-ray,” she explained. the chromosomes. Dr. Palau-Collazo problem is detected, the earlier it can
with the disorder, probably due to the sees a full spectrum of conditions and be addressed. Be your child’s best ad-
rise in childhood obesity,” according to “If the patient is growing too quickly treats each one with professionalism vocate. Ask questions. Seek advice.
Mayo Clinic. “There’s no cure for type or going into puberty too early, their and compassion. Knowledge is power and you as a par-
2 diabetes, but losing weight, eating bones are going to look older than their ent have the power to help your child.
well and exercising can help manage chronological age. If a child’s growth “I always try to educate the parents,
the disease. If diet and exercise aren’t is stunted, the bones will look young- because treating a child is very different Dr. Palau-Collazo can be contacted
enough to manage your blood sugar er than their age.” By comparing the from treating an adult,” she explained. at the Pediatric Endocrine Metabolic
well, you may also need diabetes medi- bone X-ray to an atlas that shows the “What works in adults won’t necessarily Center of Florida located at 9401 SW
cations or insulin therapy.” bone at different ages, she can figure work in children and they require indi- Discovery Way, STE 102, Port St. Lucie.
vidualized care and treatment. The phone number is 772-834-7362. 
“I’ve had patients as young as 8
with type 2 diabetes,” said Dr. Palau-
Collazo. “But, typically, this occurs in
adulthood. Unfortunately, type 2 is ag-
gressive and research has shown that
if it is not treated the patient will need
insulin within two years of onset. We
want to prevent that from happening,
so the earlier the diagnosis the better.
We can change things around through
healthy diet and exercise.”

One of the hallmark signs of insulin
resistance which causes people to de-
velop type 2 is acanthosis nigricans, or
a darkening of the skin in body folds
and creases like under the arms and
around the neck and groin areas. “Par-
ents think it’s dirt, but it’s actually the
body telling us that it is having prob-
lems with sugar and if we don’t fix it,
the child will develop type 2 diabetes,”
said Dr. Palau-Collazo.

Childhood obesity can lead to dia-
betes, high blood pressure and high
cholesterol. Currently, 20 percent of
children are considered obese, mainly
because of poor diet and overeating.
“I’ve seen children as young as 1 or 2
who are obese,” Dr. Palau-Collazo said.
“I don’t put kids on a strict diet but in-
stead subscribe to portion control. Eat-
ing in moderation is the key. A simple
rule of thumb is to make the servings
of rice and pasta the size of your fist
and servings of protein the size of your
hand. Eat lots of fruits and vegetables,
limit sodas and juices, and get plenty of
exercise.”

An imbalance of other hormones
in children can lead to problems with
growth and development, metabolism,
reproduction and sexual character-
istics. “I’ve seen children as young as
5 already in puberty,” said Dr. Palau-
Collazo. “We can medicate to arrest
the process and once they are older,
at a more acceptable age, we can stop
the medication so they can continue to
progress at a normal rate. This allows
them to be little kids for a while longer.”

According to Dr. Palau-Collazo, the
average age of puberty in girls is 10 ½ to
11 ½ and for boys it’s 11 ½ to 12 ½. Early
puberty is identified in girls before the
age of 8 and boys before the age of 9.

52 Vero Beach 32963 / December 17, 2020 Your Vero Beach Newsweekly ™

HEALTH

No joke! Laughing is seriously good for mind and body

BY JANET M. GIBSON cognitive and social processing. ment of the eyes, head and shoulders. A good sense of humor and the
The Washington Post As I found when writing “An Intro- Laughter – doing it or observing laughter that follows depend on an
ample measure of social intelligence
Amusement and pleasant surprises duction to the Psychology of Humor,” it – activates multiple regions of the and working memory resources.
– and the laughter they can trigger – researchers now appreciate laugh- brain: the motor cortex, which con-
add texture to the fabric of daily life. ter’s power to enhance physical and trols muscles; the frontal lobe, which Laughter, like humor, typically
mental well-being. helps you understand context; and sparks from recognizing the incon-
Those giggles and guffaws can the limbic system, which modulates gruities or absurdities of a situation.
seem like just silly throwaways. But People begin laughing in infancy, positive emotions. Turning all these You need to mentally resolve the sur-
laughter, in response to funny events, when it helps develop muscles and circuits on strengthens neural con- prising behavior or event – otherwise
actually takes a lot of work, because upper body strength. nections and helps a healthy brain you won’t laugh; you might just be
it activates many areas of the brain: coordinate its activity. confused instead. Inferring the in-
areas that control motor, emotional, Laughter is not just breathing. It tentions of others and taking their
relies on complex combinations of By activating the neural path- perspective can enhance the inten-
facial muscles, often involving move- ways of emotions like joy and mirth, sity of the laughter and amusement
laughter can improve your mood and you feel.
make your physical and emotional
response to stress less intense. For To “get” a joke or humorous situ-
example, laughing may help control ation, you need to be able to see the
brain levels of the neurotransmit- lighter side of things. You must be-
ter serotonin, similar to what anti- lieve that other possibilities besides
depressants do. By minimizing your the literal exist – think about being
brain’s responses to threats, it limits amused by comic strips with talking
the release of neurotransmitters and animals, such as those found in “The
hormones like cortisol that can wear Far Side.”
down your cardiovascular, metabol-
ic and immune systems over time. Many cognitive and social skills
Laughter’s kind of like an antidote to work together to help you monitor
stress, which weakens these systems when and why laughter occurs dur-
and increases vulnerability to dis- ing conversations. You don’t even
eases. need to hear a laugh to be able to
laugh. Deaf signers punctuate their

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Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 53

HEALTH

signed sentences with laughter, much study how people can live meaning- ments; a review of five different stud- cles to achieve the positive physical
like emoticons in written text. ful lives and thrive. Laughter produc- ies found that measures of wellbeing responses of natural laughing with
es positive emotions that lead to this did increase after laughter interven- forced laughter (ha-ha, hee-hee, ho-
Laughter creates bonds and in- kind of flourishing. These feelings tions. Sometimes called homeplay ho).
creases intimacy with others. Linguist – like amusement, happiness, mirth instead of homework, these interven-
Don Nilsen points out that chuckles and joy – build resiliency and increase tions take the form of daily humor Researchers today certainly aren’t
and belly laughs seldom happen when creative thinking. They increase sub- activities – surrounding yourself with laughing off its value, but a good deal
alone, supporting their strong social jective well-being and life satisfaction. funny people, watching a comedy of the research on laughter’s influ-
role. Beginning early in life, infants’ Researchers find that these positive that makes you laugh or writing down ence on mental and physical health
laughter is an external sign of plea- emotions experienced with humor three funny things that happened to- is based on self-report measures.
sure that helps strengthen bonds with and laughter correlate with appreciat- day. More psychological experimenta-
caregivers. ing the meaning of life and help older tion around laughter or the contexts
adults hold a benign view of difficul- You can practice laughing even in which it occurs will likely support
Later, it’s an external sign of shar- ties they’ve faced over a lifetime. when alone. Intentionally take a per- the importance of laughing through-
ing an appreciation of the situation. spective that appreciates the funny out your day, and maybe even suggest
For example, public speakers and co- Laughter in response to amuse- side of events. Laughing yoga is a more ways to intentionally harness
medians try to get a laugh to make au- ment is a healthy coping mechanism. technique of using breathing mus- its benefits. 
diences feel psychologically closer to When you laugh, you take yourself or
them, to create intimacy. the situation less seriously and may
feel empowered to problem-solve. For
By practicing a little laughter each example, psychologists measured the
day, you can enhance social skills that frequency and intensity of 41 people’s
may not come naturally to you. When laughter over two weeks, along with
you laugh in response to humor, you their ratings of physical and men-
share your feelings with others and tal stress. They found that the more
learn from risks that your response laughter experienced, the lower the
will be accepted/shared/enjoyed by reported stress. Whether the instanc-
others and not be rejected/ignored/ es of laughter were strong, medium or
disliked. weak in intensity didn’t matter.

In studies, psychologists have Maybe you want to grab some of
found that men with Type A person- these benefits for yourself – can you
ality characteristics, including com- force laughter to work for you?
petitiveness and time urgency, tend to
laugh more, while women with those Many therapists advocate using hu-
traits laugh less. Both sexes laugh mor and laughter to help clients build
more with others than when alone. trust and improve work environ-

Positive psychology researchers

Pictured from R-L Ralph Lavaro’s sister in law, Mary, Ralph and his wife, Kathy
with Dr Rizwi, his cardiologist for 2 Decades,on December 4, 2020 in his Sebastian office.

The Centenarian Milestone

RALPH LAVORO’S
100TH BIRTHDAY CELEBRATIONS

with Dr. Rizwi his Cardiologist!

54 Vero Beach 32963 / December 17, 2020 Style Your Vero Beach Newsweekly ™

Taylor Swift’s cape epitomizes 2020’s ‘fairytale winter’ trend

BY ROSALIND JANA Autumn/Winter 2020 offerings. This time, in amongst the Little House
The Telegraph In fact, from Seventies-style mono- on the Prairie style frocks and ’20s floral
headbands, there’s also one particu-
The cape is a rather marmite sort of grammed jacquard wool at Gucci to larly noticeable garment: a green velvet
garment. It’s nearly a coat, but not quite. hooded houndstooth at Celine, via blue hooded cape (OK, at a push we can call
It’s almost a portable blanket, but for its caped windbreakers at Givenchy, tartan it a cloak too). Worn in the middle of a
fastenings and arm holes. It’s surpris- ponchos at Dior, classic camel at Burb- snowy forest while Swift and a circle of
ingly warm and sturdy, but a nightmare erry, and slick black silhouettes at Loewe dancers take part in a mysterious ritual,
if you get caught in strong winds or need complete with shiny gold buttons, the it seems straight out of the realm of a
to carry anything as practical as a back- fantasy series or 18th century fairytale.
pack.
This cloak, fantastical as it is, seems
It’s redolent of cartoonish superhe- rather apt for 2020. Its opulent green
roes, but also medieval maidens, fur- texture has shades of Nicole Kidman’s
trimmed opera attendees, wide-eyed much-talked-about coat in “The Undo-
1960s supermodels and, well, Sherlock ing,” while its general vibe seems like
Holmes (his popularly recognized mode an intriguing continuation of this year’s
of outerwear is technically known as an sartorial lean towards whimsy. Call it
Inverness Cape). All of these associa- the move from cottagecore summer to
tions and questions of function mean fairytale winter, if you will.
that it’s an item of clothing beloved by
some, and viewed with extreme baffle- In warmer months this trend, seem-
ment by others. ingly stemming from a desire for escape
from the technological pressures and
No matter what your view, though, relentless demands of modern life – not
one thing is certain: The cape is cur- to mention this year’s news cycle – was
rently very popular. It’s been climb- embodied in floral and gingham fabrics,
ing its way back to prominence over puffed sleeves and linen smocks sugges-
the past few seasons, with numerous tive of some kind of nostalgic pastoral
labels showing them as part of their idyll. But now, it seems right for things to
have turned towards the more opulent
cape is currently available in every pos- embrace of soft, dark fabrics and stories
sible permutation from high-end retail- told from the safety of the fireside.
ers. A number of more affordable brands
have equally followed suit, with capes The cape, of course, is the perfect fai-
also on sale at an array of places. rytale garment. Think of Little Red Rid-
ing Hood in her scarlet outerwear, stray-
The cape’s ascendency has also re- ing from the path when she shouldn’t
cently been cemented with the surprise and talking to calculating wolves. Or
release of Taylor Swift’s second album of perhaps the enchanted cloak in “The
2020, Evermore. Twelve Dancing Princesses,” allowing
a soldier to solve the mystery of where
Billed as a continuation of the sounds a dozen princesses disappear to every
and imagined scenarios first explored in night as he invisibly follows them. It is a
July’s Folklore, the accompanying im- garment that can conceal and protect,
agery and videos return to a similarly but also flagrantly draw attention.
cozy, inviting realm of ruffled dresses
and warm coats perfect for stalking Admittedly, the kind of capes one
through the woods. This time though, in might want to wear day to day probably
line with Swift’s stated desire to wander bear a lot less resemblance to folkloric
further into the “folklorian forests” de- tales or something from the costume
veloped in the first of these two albums, department on “Outlander” or “Game
the clothes have strayed into ever more of Thrones” (though if you are that way
fantastical territory too. inclined, there’s always Saint Laurent’s
hooded velvet cape).
Take the first video from Evermore.
‘Willow’ follows on from where Folk- Much of what is currently on offer
lore’s ‘Cardigan’ left off. Taking place in tends toward clean lines and the com-
the same visual universe as the previous forting embrace of a garment to wrap up
single’s video, the narrative once more in to work from home or don while try-
follows Swift as she makes several Nar- ing to stay warm in a freezing pub gar-
nia-style jumps into different worlds via den. But, much as Swift embodied the
piano lids, lakes, and tent doors as she sartorial feeling of the summer with her
follows a glowing golden string. Aran knits and stripped back, outdoorsy
aesthetic, perhaps she embodies some-
thing of the mood here too.

After all, in a year where much re-
mains upside down and difficult to
navigate, there’s a sort of solace found
in adding a dash of imaginative drama
to one’s wardrobe – especially when it
comes with such a resounding swish. 

Your Vero Beach Newsweekly ™ Style Vero Beach 32963 / December 17, 2020 55

Why velvet could be your festive season savior

BY EMILY CRONIN of course it falls apart, spectacularly so). it’s always been on the more expensive
The Telegraph My point is, velvet does the work for and formal side than other, less noble
fabrics. That’s probably why it’s such a
I credit “The Undoing” with my latest you. Even when so little seems under staple of festive-season dressing. Many
fashion preoccupation. If you haven’t control, when oft-rescheduled plans of us have memories of wearing little
seen the series, it stars Nicole Kidman unravel again (or seem so futile that you puff-sleeved velvet dresses for family
as Grace Fraser, a therapist whose gilded don’t make them in the first place), or photos every year. A friend once told me
New York life isn’t as perfect as it seems when your fugitive husband is the prime that her family’s Christmas-dinner dress
– except when it comes to her wardrobe. suspect in the murder of another school code was simple and direct: “Velvet.”
Grace cycles through a collection of vin- mum (oops – “The Undoing” again), vel-
tage velvet coats that make her look both vet goes the distance. This year, the wintry dress code can
boho and pulled together, even when stay, but we can all wear our finery in a
everything starts to fall apart (because That’s down to the richness and tex- different way. A more relaxed way. In-
ture of the fabric. Velvet is luxurious, for stead of zipping into a restrictively cut
sure. Its tactility lends it sensory appeal dress, the sort you can’t lift your arms
and depth, and it’s warm. Historically in (velvet is notorious for this), opt for
something more fluid and relaxed. Or,
Whtoy ttrhyisthisisthfeesotinveessheoaesosntyle better yet, button into a silk-velvet jump-
suit for one-stop style with added sheen.
BY BETHAN HOLT flat Mary Janes
The Telegraph could be just Feeling festive isn’t cancelled. Feel-
the thing to pep ing stylish isn’t canceled. So slip into
Fans of “Sex and the City” may things up in your something dressy but comfortable.
remember the moment in Season 4 footwear depart- Add a headband or velvet hair bow,
when Carrie is afforded entry to the ment over the festive put out the good china for an inti-
hallowed Vogue accessories clos- period. Most styles are mate at-home dinner party – take-
et. Inside, she discovers what she delicate enough to wear
thought was ‘an urban shoe myth’ indoors and add an instant sense of away counts. And then, when it’s
– a pair of Manolo Blahnik’s Mary occasion, but you could pop to the all over, kick off your shoes – if
Janes, exquisitely elegant, a little supermarket for a last-minute trip you bothered with them at all –
more unexpected than a classic sti- in them, too. and stretch out on your (velvet?)
letto. If you were only going to have sofa. Good tidings to you. 
one kind of heel, this should be it. At the other end of the Mary Jane
spectrum are the kinds that follow
Fast-forward two decades and in the footsteps of those urban-
the Mary Jane is the same, but also shoe-myth Manolos. Prada’s Mary
different. This might have some- Jane offering runs the gamut from
thing to do with the fourth wave major platforms to sensible flats,
of feminism that has arrived since but I love these patent block heels
Carrie and Co. tottered through the for their pure prettiness – wear
streets of Manhattan, running for with something to offset the poten-
cabs in 6-inch creations. Now you tial for goody-two-shoes vibes, like
can have your dainty take on the cropped, flared jeans or a leather
shoe, which is named after a char- midi-skirt. Now look for a public
acter from a 1900s comic strip, or transport/office-friendly alterna-
you can go stompier and go faster. tive (a consideration that would
Whatever gets you as excited as once have felt boring is now, dare I
Carrie in that closet. say, optimistic?).

Mary Janes might look all sweet Meghan Markle found a contem-
and butter-wouldn’t-melt, but they porary way to have her Mary Jane
have a history of signaling freedom moment back in March, when she
and rebellion – in MJs, you can wore a pair of sharp yet feminine
channel the empowered flapper Mary Jane heels on International
girls of the ’20s, or Twiggy, blasting Women’s Day. Created by Jennifer
away frump in the ’60s. We may not Chamandi Boghossian, a former
be free exactly this Christmas, but banker, the signature Lorenzos
I think we’re all in the mood to put have an ‘eye of the needle’ feature
2020 behind us and usher in some- at the top of the heel, meaning the
thing new. strap can be easily removed and
they can be worn as Mary Janes or
If you’ve spent the past few months as a simple pump. Two heels for the
in a rotation of sneakers, stompy price of one … shows just how far
boots and slippers, then a pair of we’ve come. 

56 Vero Beach 32963 / December 17, 2020 Style Your Vero Beach Newsweekly ™

Naomi: ‘I didn’t think I’d still be working past 25, let alone 50’

BY EMILY CRONIN compete for a grand prize
The Telegraph worth $100,000.

Even in quarantine, Naomi Camp- “The stuff I’ve seen
bell is very busy. The supermodel, so far, I’m really hap-
speaking from the hotel in Nigeria py with,” she says.
where she’s quarantining pending “Although this has
a negative COVID test, has a sched- been a pandemic
ule stacked with press engagements, and a time of loss
Zoom meetings and shoots for her and sadness for
YouTube channel. many, it’s also been
a time of people re-
“It’s full-on here,” she says, her ally using their minds
voice like honey down a crackly phone and being so creative.”
line from Lagos. “It’s kind of strange
trying to get used to being back in the Lagos has become some-
groove. It’s taking a minute for my thing of a second home for
mind to switch back into the hustle Campbell. Usually she spends five to
and bustle of it all.” six weeks a year in Africa, but her usu-
al travel plans, like everyone else’s,
For Campbell, the hustle and bustle were disrupted by COVID. This is the
never really stopped. first time she’s been able to make the
trip since January. “I’ve missed Africa
She’s in Lagos to support Arise so much, I can’t tell you.”
Fashion Week, an event she’s backed
since its 2018 launch. This season, Campbell may have been more pre-
the main attraction is the “30 Under pared than most for travel in the age
30: The New Stars” competition, a of contagion. Last summer, long be-
showcase of work by emerging de- fore the term “social distancing” en-
signers who will present collections tered the lexicon, Campbell posted a
in livestreamed catwalk shows and video detailing her pre-flight cleaning
routine to her YouTube channel. She

donned gloves, used Dettol wipes to Burberry cape. “A museum wanted
“clean[s] everything you touch” and an outfit that depicted 2020, and they
draped her first-class seat in a protec- asked me for my outfit with my Burb-
tive cover. erry cape, my hazmat suit, my gloves,

Her routine has only become more
intense since the start of the pandem-
ic. In May, she wore a mask, gloves,
goggles, face shield and full hazmat
suit to fly from London to Los An-
geles. She finished her outfit with a

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Your Vero Beach Newsweekly ™ Style Vero Beach 32963 / December 17, 2020 57

my mask. So I donated it.” “I feel great wearing Kenneth’s de- not a role she fore- her long working relationships with
This time, “I flew the way I signs. They’re authentic, they feel easy, I saw for herself even Azzedine Alaia, Karl Lagerfeld, the
feel like I’m wearing the clothes and can a few years ago. “All
always fly, COVID or no COVID. I flew put my own spin on it. I love that he uses of it is a surprise in a Versace fam-
with my mask ... Now I have a few ex- the authentic artisan way of making his way. There was no strategy or plan.” ily … None of
tra bags of PPE and cleaning supplies, clothes and making his culture modern it guaranteed
a few extra additions. But it’s all good. for the world,” she says. But then, so much about her story is or given to
I’m very cautious.” unexpected. That a girl from Streath- her, especially
“Kenneth has had a lot of great at- am would go on to become a mono- in light of re-
Really she would have done any- tention. It’s been wonderful how he’s mial star outshining and outlasting ceived wisdom
thing to make it to Lagos for the young been embraced. But we still have a lot her peers over a three-decade-plus about a fashion
designers she’s there to support. “I to do in terms of getting him set up career wasn’t expected. Nor were model’s limited
was very happy to come here and to and recognized worldwide in the way career longev-
be here for Arise and for these young designers should be.” ity in the 1980s.
designers. This is what I care about. “I didn’t think
I’m thrilled that it worked out.” Campbell’s ambition is for the I’d still be work-
world to know a fashion week roster’s ing as a model,
Designers participating in 30 Un- worth of African designers, not just because we were
der 30 include Bibi, Lagos Space Pro- celebrate one or two leading lights. always told we
gramme, Ghetto and Elfreda Dali. For “I want to see the fashion world em- would never work
international fashion fans, the most brace African designers and all these past 25.”
familiar name on the list will be Ken- young designers from emerging mar- She’s still at the
neth Ize. kets. They need to be accepted and top of her game
given a platform. Whatever I can do to at 50, but still not
Ize, a 2019 LVMH Prize finalist and help make that happen, that’s why I’m making plans. She
Arise’s designer of the year, creates here, that’s what I’ll do.” doesn’t even know
vibrant, handwoven designs drawing where she’ll be for
on the artistry and expertise of weav- Speaking about African fashion, Christmas.
ers at his factory in Ilorin, in Western Campbell is fully in advocate mode – “I have no idea ...
Nigeria. Campbell walked in his Arise- Wherever I’ll be, I
winning show and has become one of just want to be still,” she says. “I’m look-
Ize’s highest-profile champions. ing forward to the new year, though.
“It’ll be nice to see friends and be
able to hug them. Not being able to
hug people you love is tough. I know
we’ll get there.” 

58 Vero Beach 32963 / December 17, 2020 Your Vero Beach Newsweekly ™

DINING REVIEW

Vero Beach fine dining restaurants defy the odds

CONTINUED FROM PAGE 1 While both his New York and Florida out. Without them, we wouldn’t have Trattoria Dario.
restaurants offer extensive outdoor been able to do this,” Lord said.
Those restaurants still serving up Ve- seating, he said it’s not easy finding PHOTO BY BRENDA AHEARN
ro’s favorite cuisine attribute their sur- northern diners who want to sit outside Michael Lander, chef/owner at Mi-
vival to favorable weather conditions, in 30-degree weather. chael’s on 7th, said he sees light at the comes from takeout now, something
stalwart patrons who have gone above end of the tunnel. “Things are looking the restaurant didn’t previously offer.
and beyond to support them, and to “We’re lucky to be in Vero. The anxi- up. They’re surely not where they were
their own creativity and resilience. ety and fear in New York are tremen- a year ago. Last month was the first “They want their duck, prime rib
dous,” he said. “It’s a depressed area month we’ve been in the black since we and grouper. If they’ve got genuine
Payroll Protection Program loans that’s going to take years before it gets came back from COVID.” concerns, they’ve been getting it to go.
and Indian River County CARES Act back on its feet again.” We’ve got a few people who get to-go
grants also have helped restaurateurs Lander said a willingness to adapt from us three days a week,” said Re-
bridge the gap between typical revenue McLaughlin said he gauges the state is what’s carried him through. He ex- plogle, who plans to continue takeout
and what they have earned this year. of the local economy by how full the plained his restructuring of everything operations even after the pandemic is a
parking lot is at the Village Shops. from staff to hours of operation and distant memory.
Even though Gov. Ron DeSantis lifted even a provision area where he sells
capacity restrictions for restaurants, The good news? The parking lot is dressings, soups and local produce. Amalfi Grill owner Bob Rose decided
many patrons still don’t feel comfort- fuller than usual for this time of year. to close his restaurant for three months
able dining indoors. But heading into “It’s a supplemental revenue stream to restructure and bring on a new chef.
winter, the Sunshine State has an edge Pomodoro Grill’s head chef Amedeo that’s doing pretty good for us. People Now back open, he said, “we’ve had to
– compliments of Mother Nature – over Amelio said he’s down more than 25 would just as soon buy it here than adjust to what’s going on and do the
restaurants in colder, northern climes. percent so far this year, which he at- walk over to Publix, where there are so best we can with what’s being thrown at
tributes to the fact that he serves an many people,” Lander said. us. We have to make sure we’re putting
“Our outdoor seating has saved us. older clientele. on a good product and making sure that
We have one of the most beautiful pa- Roger Lenzi, Vero Prime owner, we are food driven.
tios in Vero Beach,” said DiMare owner- “They’re the ones being a little bit sees the dining dilemma as twofold.
chef Jean Zana. “It was even full in the more cautious and more hesitant to “People are afraid to go out, but also “We’re starting from scratch. CO-
summer – which is funny because no- come out and dine,” he added. because of the pandemic, people can’t VID has changed the game for every-
body usually eats on the patio during afford to go out.” body, and not having outside dining is
the summer. We were full every Friday At the same time, Amelio said the a drawback.”
and Saturday night, even if it was 90 de- customers who are still coming in are Vero Prime has lost that portion of its
grees outside.” stalwart and generous. One patron clientele that would stop by for a drink Chill & Grill chef-owner Scott Birch
from Boston left a $600 tip last week. or a bite to eat before heading out to said “we’re doing what we have to do to
Tides chef/owner Leanne Kelleher, “He said that we’re one of their favorite see a show – because there aren’t any keep the doors open.”
who expanded her outdoor seating, restaurants in town and tipped all six shows right now.
agreed. “We’re not packing the place. employees $100 each.” Last year at this time, recalled Birch,
We’re only at 30 percent inside, but “Compared to last year, we’re a con- the restaurant was serving about 140
we have a lot of outdoor dining, and it With only two outdoor tables, Fire siderably different business. I think dinners a night. “When the pandemic
makes people feel comfortable.” and Wine manager Roger Lord said his most restaurants in town are surviving, started in March, I think every restau-
restaurant has done only 25 percent to maybe not making money, but at least rant in this area was booming. We were
Currently, down only 5 percent for the 30 percent of its normal business, but they’re surviving,” said Lenzi. doing the best we’ve ever done. Now
year, she is looking forward to a good he’s delighted that calls for reserva- we’re only doing 60 to 70 covers a night.”
December. “We put a plan in place, and tions are on the rise. Joey Replogle, general manager at the
it’s working. Hopefully, the pandemic Ocean Grill, one of the oldest dining es- At the same time, the restaurant is
will soon be a thing of the past.” “We’re fortunate that the commu- tablishments in Vero Beach, attributes now doing three times the number of to-
nity has been so supportive. During the the restaurant’s longevity to a loyal go and takeout orders as in past years,
Continued adherence to social dis- worst of this, our customers who don’t clientele. While dine-in numbers are and Birch has plans to add pre-made
tancing recommendations and height- feel comfortable dining out have con- down, he said, a great deal of business food to the menu after the holidays.
ened cleaning protocols have customers tinued to support us by ordering take-
coming back to Citrus, said chef/owner “We’ll do whatever it takes to stay
Scott Varricchio. He added that clients open until everybody is not afraid to go
have repeatedly expressed their thanks out,” added Birch. 
for how he is operating the business.

Varricchio said the restaurateur’s role
is to provide a safe haven for customers.
“Now is not the time to think you’re go-
ing to make money, because you’re not.
Now is the time to do what’s right. We’re
in a small town, and we’re poised better
than most restaurants in the country to
pull through.

“Outdoor dining has 100 percent car-
ried me through,” he added.

Dario Bordoli, proprietor of Trat-
toria Dario, said he’s thankful for his
loyal customers.

“That’s the No. 1 thing that’s kept
me going. Without them, I probably
wouldn’t be able to survive.”

Jay McLaughlin, who owns a restau-
rant on the upper East Side in New York
City in addition to Citron Bistro here in
the Village Shops, has a front-row seat on
the differences between the two locales.

Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 59

Vero & Casual Dining

Zagat Rated We would like to thank our loyal clientele for
2013 - 2020 all of your support during the summer as we
Wine Spectator Award
2002 – 2020 offered lunch and the mercantile.

As the season approaches we are pleased to
announce our return to regular business hours
serving dinner every night starting in October at 5 PM.

Online ordering and the Tides-to-go
are available for your convenience.
The Tides staff are COVID-19 certified and
all social distancing measures remain in effect.
Proud recipient of 2020 Trip Advisor
Traveler’s Choice Award placing us in the
“TOP 10% OF RESTAURANTS WORLD-WIDE”

Go to www.TidesofVero.com for
our specials and online ordering.

(772) 234-3966

3103 Cardinal Drive, Vero Beach, FL
tidesofvero.com

Serving Dinner Happy HourNigNhet(wBlyarB5Oa-nrl6yM:)3e0npum!
Mon - Sat from 5pm
(772) 226-7870

PrimeSteaaSnkedsa,FfCorehosodhps Di5nENin-ai5ggrl:hMy3t0lypemnu Down wn
Vero Bea

2023 14th Avenue
www.VeroPrime.com

60 Vero Beach 32963 / December 17, 2020 Your Vero Beach Newsweekly ™

Vero & Casual Dining

20% off Food, Wine & Beer Wednesdays

Seated between 5-5:45pm • Excluding Christmas Eve and New Year’s Eve 5:30 - 10 pm

A Roger Lord and Chuck Arnold Restaurant @ the wave

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On the NW corner of Oslo & 27th Ave Happy hour dinner tuesday steak night paella night brunch
772.794.7587
A few doors east of Winn Dixie
reservations, walk-ins & take-out available

Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 61

Vero & Casual Dining

Enjoy Christmas in the comfort of your CHRISTMAS
own home prepared family style by The BRUNCH
Wave's Executive Chef, Armando Galeas.
A few reservations are still
Pick-up on Christmas Eve and reheat on available. Space is limited.
Christmas Day or pick-up on Christmas,
hot and ready to serve! CALL 772.410.0100

FAMILY STYLE PWCSCHOIOATDHNNE E
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4 - 6 PEOPLE | $175

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772.231.9311

Check out our menu online
& follow us on Facebook

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1006 Easter Lily Lane, Vero Beach
Hours: Sun-Thurs:11am-9 pm
Fri-Sat:11am-10 pm

DELIVERY AVAILABLE FOR DINNER

Established in 1981 Where the Locals Go for Pizza

62 Vero Beach 32963 / December 17, 2020 Your Vero Beach Newsweekly ™

Vero & Casual Dining

Costa for the C|SPA THE PERFECT GIFT
Holidays GIFT SETS FOR THE OFFICE,
FRIENDS AND FAMILY.
HOLIDAY PARTY PAELLA
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CHAMPAGNE
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CHRISTMAS MENUS TO GO

PICK -UP 1PM-3PM, DECEMBER 24, 2020

THE BLVD SHRIMP COCKTAIL
Large Shrimp Poached with a hint of Chardonnay Cocktail Sauce

CHEF CARVED 8OZ GRASS-FED FILET MIGNON
Brussel sprouts and bacon, Mashed Yukon potato

LISA’S SWEET SIDE
Carrot cake finished with a lemony buttercream frosting. - $29.95 per meal

SPIRAL HONEY GLAZED HAM W/ANTHONY’S PINEAPPLE SAUCE
Scalloped au gratin potatoes, roasted vegetables

LISA’S SWEET SIDE
Moist dark gingerbread cake with a rosemary & spice cranberry chutney. - $21.95 per meal

VEGAN PLANT BASED XMAS DINNER
Ginger-Carrot Soup And Root Vegetable Mac n Cheese

LISA’S SWEET SIDE
Vegan blueberry-lemon cheesecake - $19.95 per meal

@ THE BOULEVARD HOURS OF OPERATION

OPEN TO THE PUBLIC Monday-Saturday: 11-2

1620 BOULEVARD VILLAGE LANE Dinner, Mon.-Thurs.: 5-8:30
VERO BEACH, FL 32967 • (772) 778-4200
Friday: 4:30-8:30
info @blvdtennisclub.com
Saturday: 11:30-2:30

Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 63

Vero & Casual Dining

Where Vero goes Chef
for a little piece Chet Perrotti

of Ireland! ChOrisPtmEaNs Eve

LET US HELP YOU WITH ALL YOUR
HOLIDAY PARTY AND CATERING NEEDS.

Let Us Host your Holiday Party Let Us Cater your Holiday Party or Dinner
Lunch or Dinner Lunch or Dinner

Private Room available Dine with Us or We’ll
- seating up to 50 people Bring the Party to YOU!

2019 14th Ave OPEN Tues-Sun 11:30 AM to Close
(772) 217-2183 NFL Package
seanryanpub.com
Daily Dinner Specials

DINING ROOM OPEN

TUESDAY NIGHT THE ENTIRE MENU IS
ALL YOU CAN AVAILABLE FOR TAKEOUT
EAT FISH FRY
HAPPY HOUR 4-6 OR DELIVERY
AVAILABLE THROUGH
TUES.- SAT.
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ONLINE ORDERING WITH
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OPEN TUES 4-8, WED - SAT NOON-8 ORDER YOUR
PATIO DINING - DINE IN - TAKE OUT PARTY PLATTERS!

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fishackverobeach.com • Like us on Facebook! OPEN FOR LUNCH FROM 11:30 ON TUES. & FRI. I OPEN FOR DINNER TUES. - SUN. AT 4 P.M.
Gift Certificates & Private Parties Available
56 Royal Palm Pointe  772-567-4160  Follow us on Facebook & Instagram

64 Vero Beach 32963 / December 17, 2020 Your Vero Beach Newsweekly ™

Solutions from Games Pages ACROSS DOWN
in December 10, 2020 Edition 1 MUST 1 MICROORGANISM
3 ASHY 2 SAMBA
6 ODE 4 SOFFIT ONGOING
9 COMBATFATIGUE 5 YETI
10 ORATORIO 6 ONGOING Check with organizations directly for CO-
12 KILT 7 ELECTORALROLL VID-19 updates/cancelations.
13 TAP 8 VAMOOSE
15 ROBUST 11 OAF Vero Beach Museum of Art: Avery to Warhol
18 FINGER 14 PILGRIM exhibition thru Jan. 3 and Chul Hyun Ahn: New
19 EAR 16 BOUNCER Light thru April 30. Vbmuseum.org
21 AGUE 17 TAR
22 RINGPULL 20 RITUAL McKee Botanical Garden: Holi-DAYS, 10 a.m.
25 INCOMMUNICADO 23 USAGE
26 MAR 24 SMUG
27 GOLF
28 VEAL

Sudoku Page 38 Sudoku Page 39 Crossword Page 38 Crossword Page 39 (INDUSTRIOUS RESOLUTIONS)

VERO BEACH 32963 BUSINESS DIRECTORY

POWELL SHOES
PEDORTHIC FACILITY
• Custom Molded Orthotics

• Custom Molded Shoes • Diabetic Shoes • Elevation
Althea Powell, Board Certified Pedorthist State Licensed
2686 U.S. HWY 1 • VERO BEACH, FL
www.powellshoes.com • 772.562.9045

This directory gives small business people eager to provide services to the beachside community an opportunity to make
themselves known to island readers at an affordable cost. This is the only service directory mailed each week during season
to all 11,000+ homes on the Vero Beach barrier island. If you are interested in a listing in the Vero Beach 32963 Business

Directory, please contact marketing representative Kathleen Macglennon at
[email protected] or call 772-633-0753.

Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 65

CALENDAR

to 3 p.m. (excluding Mondays) through Dec. 23, 19 A Jazzin’ Christmas presented by Have 2 Army vs. Navy: The Battle for Dominance, 9 Bark in the Park to benefit the Humane Society of
with holiday-themed activities, performances Piano will Duel, 4 p.m. at First Pres- 9 a.m. to 2 p.m. in Fellsmere hosted by VeroBeach&IndianRiverCounty,10a.m.to5p.m.
and Santa; and Sean Kenney’s Nature Connects byterian Church, featuring pianist Jacob Craig, Do You Give a Ruck to benefit United Against at Riverside Park, with Disc Connected K9 and Frisbee
LEGO Bricks exhibition through April 25. Mck- saxophonist Gavin Martellotti, percussionist Poverty (with funds and nonperishable foods), dog shows, Sheriff’s Dept. k( demos, lure and dog agility
eegarden.org Joshua Evers, guitarist Ryan Dillahay, along with With contestants starting with a ruck march, courses, food and beer trucks. Free; face masks please.
gifted local music students. $10 donation sug- followed by the ‘Army Air Assault Obstacle
First Friday Gallery Strolls in Downtown Vero gested. 772-538-1181 Course,’ ‘Marine Endurance Obstacle Course,’ 15-17 Ballet Vero Beach presents Ballet: Bold
Beach Arts District, monthly from 5 p.m. to 8 ‘Stress Fire’ and another ruck march. Open to and Beautiful, featuring German Dances,
p.m. 19 Cowboy Christmas, 3 to 7 p.m. at La- the public for viewing & competing. DoYou- by choreographer Samuel Kurkjian, a comical take
Porte Farms. 772-633-0813 GiveARuck.com on Flames of Paris, and the debut of The Sleeping
Art in the Park Fine Arts & Crafts Shows, 10 Princess, an abridged version of The Sleeping Beau-
a.m. to 4 p.m. at Humiston Park, Jan. 10 and 31, 20 Run Run Santa 1 Mile, 7:30 a.m. 8 to March 7 - Right of Way: The Highway- ty, 7:30 p.m. Fri.; 2 p.m. & 7:30 p.m. Sat., plus Fam-
Feb. 14 and 28, March 28 and April 11. Vero- from Pocahontas Park, with ALL par- men, exhibition at A.E. Backus Museum ily Friendly performance of The Sleeping Princess, 2
beachartclub.org ticipants, walker and runners alike, dressed in and Gallery. 772-465-0630 p.m. Sun. at VBHS PAC. 772-905-2651
provided Florida-style Santa suits; all finishers
Holiday Happenings at Vero Beach Out- receive a snowflake medal. Runrunsanta.com.
lets, with Riverside Theatre Holiday Windows 321-412-1830
(space C120), and complimentary Horse &
Carriage Rides, 1:30 to 3:30 Saturdays through 20 Handel’s Messiah online performance,
Dec. 19. 3 p.m., with inspirational choral piec-
es only sung choir members from First Baptist
Meet & Greet tours of Pelican Island Nation- Church of Vero Beach directed by Dr. Michael
al Wildlife Refuge, 11 a.m. to 2 p.m. Saturdays Carter and accompanied by Dr. Ray Adams on or-
thru Dec. 19. gan. Live streamed at fbcvero.org. 772-567-4341

DECEMBER 30 Classic Albums Live performs
Fleetwood Mac’s Greatest Hits,
17 Senior Resource Association and Sil- presented by Live from Vero Beach, 7 p.m.
ver Tones present Let There be Peace, at the Emerson Center; doors open at 6 p.m.
a virtual concert at 7 p.m., with a performance $30 to $85. MusicWorksConcerts.com or
of holiday songs directed by Dr. Jacob Craig. 800-595-4849.
Click on events tab at seniorresourceassocia-
tion.org/ JANUARY

Reserve your tickets
today!

Christmas Eve Worship
Thursday, December 24th

3:00 p.m. - Family Worship

(Featuring the C2 Band & Family Interactive Worship)

9:00 p.m. Candlelight Worship

(Lessons, Carols, Choir & Strings)

11:00 p.m. Candlelight & Communion Worship

(Acoustic style )

Socially-Distanced Sanctuary Seating Masks Required
Space is Limited. Tickets Required. To reserve your tickets:

Call 772.778.1070 or Email [email protected]

The Community Church of Vero Beach
1901 23rd Street Vero Beach, FL 32960



AMAZING CARLTON PENTHOUSE
OFFERS ‘UNPARALLELED AMENITIES’

600 Beachview Dr., #PHN: 3-bedroom, 3.5-bath, 3,510-square-foot oceanfront penthouse offered
for $2,800,000 by Matilde Sorensen, Broker-Owner, Dale Sorensen Real Estate: 772-532-0010

68 Vero Beach 32963 / December 17, 2020 Your Vero Beach Newsweekly ™

REAL ESTATE

Amazing Carlton penthouse offers ‘unparalleled amenities’

BY STEPHANIE LABAFF private elevator. With only six units in Muller – known for her modern coast- filled with sunlight. Leah designed
Staff Writer the three-story building – one of six al aesthetics – to adjust and enhance the spaces where we congregate to
condominium buildings overlook- the Carlton’s fine architecture. maximize the openness and togeth-
The oceanfront condominium at ing the Atlantic Ocean in the com- erness,” explains Leahey, which is a
600 Beachview Dr., #PHN is the epit- munity – and with concrete floors Mueller made changes that al- departure from traditional compart-
ome of the distinctive luxury and and sound-insulated masonry walls lowed the ocean to permeate the liv- mentalized condo design.
unrivaled elegance the Carlton Vero between residences, this home is su- ing space through the wall of win-
Beach is known for, according to Dale premely private and quiet – except for dows and sliders facing the expansive Leahey notes that “it’s a really nice
Sorensen Real Estate Broker-Owner the sound of waves breaking on the wraparound veranda, capturing an flow for socializing.” Having the com-
Matilde Sorensen. It’s also the only beach below. abundance of natural light alongside mon areas completely opened up al-
the sounds and textures of the ocean. lows for everyone to co-exist comfort-

penthouse currently available at the The elevator opens into the foyer at “We took down walls and opened ably. That way, whoever is stuck in the
Carlton. the unit’s center, where ocean views everything up; so, when you walk into kitchen preparing a meal can feel like
instantly capture your attention. Ten- our condo, you just have this wonder- they’re part of what’s going on out on
Gurgling fountains at the build- foot ceilings create a sense of open- ful feeling of openness,” says Kathy the veranda.
ing’s entrance set the tone for the ness and transparency. Leahey of the wide sea views that
elegantly appointed lobby and ar- capture one’s attention immediately. The grand salon is the centerpiece
chitectural features leaning toward Wanting to capitalize on the sea of the communal areas with a gas
colonial West Indies design in the 15- views when they purchased the “It’s a very bright, happy unit fireplace surrounded by shiplap, add-
acre luxury community. penthouse, Alan and Kathy Leahey
brought in interior designer Leah
The penthouse is accessed via a

Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 69

REAL ESTATE

ing to the oceanic vibe. The adjacent private balcony sits adjacent.
dining room and gourmet kitchen al- In this unit, the sky really is the
low for intimate dinner gatherings or
grand affairs that can flow out onto limit with the rooftop patio accessed
the expansive balcony area through the laundry room, a feature
the Leaheys didn’t fully appreciate
A powder room is located nearby, when they purchased the unit. On
so dinner guests don’t have to access the rooftop, they can sunbathe in
family living spaces. privacy, sit and drink a glass of wine
in the afternoon while watching the
The owner’s suite enjoys the glori-

ous oceanfront view with access to sunset, and enjoy the blowup hot tub
the wraparound veranda and an ele- and hammock they’ve added for extra
gantly appointed bathroom complete open-air enjoyment.
with a walk-in closet, dual sinks, a jet-
ted tub, walk-in shower, built-in van- The main oceanfront, wraparound
ity and water closet. balcony is reminiscent of Brazilian
verandas or aleros, which connect
Guests can enjoy complete privacy independent spaces in the condo.
in their suite of rooms in the western The balcony is a room in and of itself
wing of the condo. and creates an interconnectedness
throughout.
A separate family room includes a
built-in desk and shares a small bal- Outside, on the covered veranda, you
cony with one of the en suite guest- can enjoy sweeping ocean views no
rooms. A second guestroom with a matter the weather. A summer kitchen

70 Vero Beach 32963 / December 17, 2020 Your Vero Beach Newsweekly ™

REAL ESTATE

and television make it easy to while the basketball hoop, Jacuzzi and sauna.
days away basking in sea breezes. The Leaheys’ unit includes a pri-

A computer-generated ProxKey vate, poolside cabana where guests
system with electronic keys provides can hang out between laps in the
easy access to the owners’ building, pool. When the couple’s children vis-
elevator, condominium, garage, com- it, the cabana functions as an office
munity areas and dune crossover. so they can work remotely. Equipped
with a bathroom, shower and kitch-
“The Carlton is a wonderful commu- enette, the cabana can also be used
nity with unparalleled amenities,” says for overnight guests when the owner
Sorensen, noting the complex is cov- is in residence.
eted for its custom concierge service
for each homeowner and the availabil- The Leaheys don’t make this move
ity of three guest rooms on the second
floor of the clubhouse that property
owners can reserve for a nominal fee to
house overflow company.

Other enviable amenities include
the gated dune crossover leading to
1,200 feet of deeded beachfront, the
clubhouse and catering kitchen for en-
tertaining, a swimming pool, fitness
center, tennis court, putting green,

VITAL STATISTICS
600 BEACHVIEW DR., #PHN

Neighborhood: Carlton Vero Beach
Year built: 2000 • Construction: Concrete block with stucco

Architecture: Colonial West Indies
Home size: 3,510 square feet

Bedrooms: 3 • Bathrooms: 3 full baths, 1 half-bath
Pool: Freeform community pool and Jacuzzi
View: 270-degree ocean view

Additional features: Private elevator; gas fireplace; two wall ovens;
induction cooktop; bar refrigerator; ice maker; 96 bottle wine cooler;
marble and Cambria quartz countertops; wraparound veranda; sum-
mer kitchen; jetted tub; impact windows and hurricane screens; rooftop
patio; air-conditioned, two-car garage; dune crossover; clubhouse with
pool, fitness center, sauna and Jacuzzi; and a private poolside cabana

Listing agency: Dale Sorensen Real Estate
Listing agent: Matilde Sorensen, 772-532-0010

Listing price: $2,800,000

Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 71

lightly and are going to miss their REAL ESTATE
oceanside condo. “Our family has lit-
erally exploded,” says Kathy, explain- three grandchildren, with a fourth on
ing they need more space for their the way.
growing family that went from the
couple and their three daughters to Carlton Vero Beach is only a short
include three spouses, three dogs and drive from oceanside dining and
shopping, as well as cultural oppor-
tunities at the Riverside Theatre and
Vero Beach Museum of Art. 

72 Vero Beach 32963 / December 17, 2020 Your Vero Beach Newsweekly ™

REAL ESTATE

Mortgage rates level off while credit availability increases

BY KATHY ORTON average 0.7 point. (Points are fees
The Washington Post paid to a lender equal to 1 percent of
the loan amount and are in addition
A week after mortgage rates to the interest rate.) It was 3.73 per-
swooned to a historic low for the 14th cent a year ago.
time this year, they paused to catch
their breath. Freddie Mac, the federally char-
tered mortgage investor, aggregates
According to the latest data re- rates from 80 lenders across the
leased last Thursday by Freddie Mac, country to come up with weekly na-
the 30-year fixed-rate average was tional average mortgage rates. It uses
unchanged at 2.71 percent with an rates for high-quality borrowers with

strong credit scores and large down cent two weeks ago and 3.36 percent
payments. These rates are not avail- a year ago.
able to every borrower.
“Mortgage rates remain at record
Because the survey is based on lows, resisting their typical correla-
home purchase mortgages, rates for tion to Treasury yields, which have
refinances may be different. This is recently been moving higher,” Sam
especially true since the price ad- Khater, Freddie Mac’s chief econo-
justment for refinance transactions mist, said in a statement. “Mortgage
went into effect earlier this month. spreads – the difference between
The adjustment is 0.5 percent of the mortgage rates and the 10-year Trea-
loan amount (e.g., it is $1,500 on a sury rate – are declining from their
$300,000 loan) and applies to all elevated levels earlier this year. Al-
Fannie Mae and Freddie Mac refi- though today’s mortgage spread is
nances. about 1.8 percent and still has some
room to move down if the 10-year
The 15-year fixed-rate average also Treasury continues to rise, it’s en-
held steady at 2.26 percent with an couraging to see that the spread is al-
average 0.6 point. It was 3.19 percent most back to normal levels.”
a year ago. The five-year adjustable
rate average slid to 2.79 percent with The Federal Reserve was to meet
an average 0.3 point. It was 2.86 per- this week for the final time this year.

Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 73

REAL ESTATE

The central bank is not expected to ers seeking more space,” said Bob
do anything with its benchmark rate, Broeksmit, MBA president and CEO.
but many observers will be looking to “Mortgage activity was mixed the
see what the Fed does with regard to first week of December, with an in-
its purchase of mortgage-backed se- crease in refinances and a decline
curities. in purchase applications. Record-
low mortgage rates below 3 percent
For the past several months, the should continue to support strong ap-
central bank has been buying mort- plication activity to close out the year.
gage-backed securities – or MBS as Borrowers looking to take advantage
they are often known – which are of these low rates should consider
bundles of mortgages sold on a sec- doing so now, as we anticipate that
ondary market. When a borrower they will slowly rise above 3 percent
takes out a loan such as a 30-year in 2021.”
fixed-rate mortgage, a lender often
bundles that loan with other loans The MBA also released its mortgage
into an MBS and then sells it to inves- credit availability index (MCAI) that
tors. The Fed’s unlimited MBS buying showed credit availability increased
has been pushing prices up and driv- in November. The MCAI rose 0.7 per-
ing down rates. cent to 122.2 last month. An increase
in the MCAI indicates lending stan-
“We don’t see any sign that the
Fed’s practice will end anytime soon, dards are loosening, while a decrease
so we expect rates to remain low dur- signals they are tightening.
ing the first half of the year,” said Bri-
an Koss, executive vice president of “Mortgage credit availability in-
Mortgage Network. “If the Fed stays creased slightly in November to its
on course, rates will stay relatively the highest level since July, as the job
same. If they back off their volume of market improved, and the housing
MBS purchases, it will send rates up sector continued to show strong bor-
quickly. Just how much they will rise rower demand,” Joel Kan, an MBA
depends on the demand that will fill economist, said in a statement.
the Fed’s vacuum.”
“There was an increase in credit
However, Koss doubts rates will availability for jumbo loans, as well
move much lower. as loan products with low credit
scores, higher [loan-to-value ra-
“Interest rates have bounced along tios] and adjustable-rate features.
the bottom for many months, so it’s Home purchase and refinance activ-
difficult to see how they can fall even ity have remained strong in recent
further,” he said. “There is always a months, and the increased credit
chance they will, but at current rates, supply should help qualified bor-
there has already been significant rowers still looking to capitalize on
purchase and refinance activity.” record-low mortgage rates. How-
ever, credit availability is still more
Bankrate.com, which puts out a than 30 percent below pre-pandem-
weekly mortgage rate trend index, ic levels and close to the restricted
found nearly half the experts it sur- standards seen in 2014. This has es-
veyed predict rates will remain about pecially impacted government bor-
the same in the coming week. rowers and first-time buyers.” 

“Another week of steady as she goes
for mortgage rates,” said Gordon Mill-
er, owner of Miller Lending Group in
Cary, N.C. “Despite an uptick in Trea-
sury yields, there has been little to no
impact felt by the markets, so it con-
tinues to appear as if low rates are
here for an extended period of time.”

Meanwhile, mortgage applica-
tions fell off two weeks ago. Accord-
ing to the latest data from the Mort-
gage Bankers Association, the market
composite index – a measure of total
loan application volume – decreased
1.2 percent from a week earlier. The
purchase index went down 5 percent
from the previous week but was 22
percent higher than a year ago. The
refinance index rose 2 percent and
was 89 percent higher than a year
ago. The refinance share of mortgage
activity accounted for 72 percent of
applications.

“The mortgage market continues
to be lifted by strong demand from
homeowners looking to lower their
monthly payments and homebuy-



Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 75

REAL ESTATE

Planning to move? You still might benefit from refinancing

BY ILYCE GLINK AND SAMUEL J. TAMKIN as $50,000 more in equity than if you history and score by going to each of costs. Some lenders include real estate
The Washington Post don’t do anything. And anything can the three credit reporting agencies taxes and insurance escrows when
happen; you might find yourself liv- (Equifax, TransUnion and Experian), computing your closing costs, but don’t
Question: We borrowed $355,900 ing there for five or 10 more years and so you can answer the lenders’ ques- focus on those unless every lender
in 2007 for a 30-year fixed mortgage walk away with a home that’s essen- tions and make sure you qualify for you talk with is including them. You
at 6.25 percent and still owe $230,000. tially paid off. the best rates and terms available. Ask may have escrows with any lender you
My wife is retired, and I plan on retir- what each lender’s charges will be so choose, but you can think of those es-
ing in May 2023. Normally, we wouldn’t Talk to four or five different lenders: you can compare costs on an apples- crows as your money that you are giv-
even bother with refinancing this close online, a local bank, a local mortgage to-apples basis. ing to the lender to hold for you and for
to selling the house; but the rates now broker and a credit union, to start. No the lender to later use to pay real estate
are so low that we’re thinking refinanc- need to give them any personal infor- Finally, when you compare loans, taxes and homeowners’ insurance bills
ing might make sense. Any thoughts on mation – just talk about what you’re make sure you understand what the down the road. 
whether it would be OK to refinance, looking for. Pull a copy of your credit lender is including as far as closing
or just leave it alone this close to retire-
ment and selling the house?

We’re having trouble imagining why
you’ve kept this loan, when interest
rates have been below that level for at
least a decade. Even if you had credit
issues that prevented you from benefit-
ing from historically low interest rates
13 years ago, it’s hard to imagine you
haven’t been able to raise your credit
scores enough to qualify for the post-
Great Recession interest rates that have
been widely available since.

So let’s do the math: You are 13 years
into your loan, so you still have 17 years
to go before you are debt free on your
home. If you were to refinance your
loan today, you’d probably cut your in-
terest rate in half, if not more. With the
information you gave us, we’re going to
assume you’re paying about $2,200 ev-
ery month on your loan.

If you were to choose a 10-year loan
at an interest rate of 2.125 percent, your
monthly payment would be $2,120 with
around $1,500 in points and fees. If you
chose a 15-year loan at 2.125 percent,
your monthly payment would drop to
just under $1,500 and you’d pay around
$2,200 in upfront fees. You may find
even lower rates than these, so you’ll
have to shop around and see what
you’re offered. All of these mortgages
require a credit score of 740 or higher.

While your payment is about the
same, you’ll be paying down your
mortgage far faster than if you stay
the course. Imagine taking a wad of
$100 bills and lighting them on fire.
Wouldn’t you rather have those in your
bank account?

Refinancing now is a win-win for
you. You pay off the loan a bit earlier
than with your old loan, your monthly
payment goes down slightly with the
new loan and you’ll save a ton of mon-
ey over the life of the loan; compared
to keeping your old loan for the next 17
years.

We understand that you think this
might be a lot of work when you’re go-
ing to sell the property in three years.
Sure, there’s some work involved, but
in three years you might have as much

76 Vero Beach 32963 / December 17, 2020 Your Vero Beach Newsweekly ™

REAL ESTATE

Real Estate Sales on the Barrier Island: Dec. 4 to Dec. 10

The barrier island real estate market remained in high gear with 24 transactions recorded during
the first full week of December, including seven for more than $1 million.
The top sale of the week was of an oceanfront estate on South Beach. The residence at 2280 East
Beachside Lane was placed on the market June 22 with an asking price of $5.95 million. The sale
closed on Dec. 10 for $5.3 million.
The seller in the transaction was represented by Sally Daley of Daley & Company Real Estate. The
purchaser was represented by Cindy O’Dare and Kristin Dobson of Premier Estate Properties.

SINGLE-FAMILY RESIDENCES AND LOTS

SUBDIVISION ADDRESS LISTED ORIGINAL MOST RECENT SOLD SELLING
ASKING PRICE ASKING PRICE PRICE
$2,180,000
$2,400,000 $2,000,000
TREASURE COVE 1495 TREASURE COVE LN 10/8/2020 $2,595,000 $2,400,000 12/9/2020 $1,875,000
ORCHID ISLAND 535 WHITE PELICAN CIR 1/23/2020 $1,850,000 $2,295,000 12/10/2020 $1,500,000
$3,140,000 $1,300,000
ORCHID ISLAND 900 ORCHID POINT WAY 10/7/2020 $1,369,000 $1,850,000 12/10/2020 $1,000,000
$1,075,000 $950,000
ORCHID ISLAND 390 WESTWIND CT 3/19/2018 $1,050,000 $1,749,000 12/8/2020 $920,000
$995,000 $850,000
ORCHID ISLAND 421 INDIES DR 4/1/2019 $850,000 $1,369,000 12/7/2020 $790,000
$850,000 $750,000
MARBRISA 340 S MONTEREY DR 10/15/2020 $749,000 $1,075,000 12/8/2020 $600,000
$695,000 $568,000
ORCHID ISLAND 385 INDIES DR 6/19/2020 $575,000 $1,050,000 12/7/2020 $492,000
$525,000
ESTUARY THE 170 LAKEVIEW WAY 9/28/2020 $995,000 12/8/2020 $810,000
$755,000
INDIAN TRAILS 550 SUNDANCE TRL 12/3/2020 $850,000 12/10/2020 $642,000
$609,500
BERMUDA BAY 104 RIVER OAK DR 7/10/2020 $825,000 12/4/2020 $310,000
$295,000
CASTAWAY COVE 1344 SHOREWINDS LN 10/13/2020 $749,000 12/4/2020 $270,000

ORCHID ISLAND 51 CARIBE WAY 11/20/2019 $640,000 12/10/2020

RIVER OAKS ESTATES 515 GARDENIA LN 11/1/2020 $575,000 12/10/2020

SEA OAKS 1605 RED BAY CIRCLE 6/8/2020 $519,777 12/4/2020

TOWNHOMES, VILLAS, CONDOS, MULTIFAMILY AND INVESTMENT

SOMERSET BAY CONDO 9025 SOMERSET BAY LN, #401 8/26/2020 $849,000 $849,000 12/8/2020
RIVER CLUB AT CARLTON 601 N SWIM CLUB DR, #PHB 4/4/2020 $900,000 $775,000 12/7/2020
SOUTHWINDS 1225 W SOUTHWINDS BLVD, #1225 9/14/2020 $660,000 $660,000 12/8/2020
VILLAGE SPIRES DEVEL 3554 OCEAN DR, #901S 10/31/2019 $624,000 $598,000 12/7/2020
PARK SHORES 107 W PARK SHORES CIR, #27W 7/29/2020 $320,000 $320,000 12/4/2020
PARK SHORES 103 W PARK SHORES CIR, #10W 10/2/2020 $295,000 $295,000 12/4/2020
PEBBLE BEACH VILLAS 5100 HIGHWAY A1A, #19B 11/5/2020 $275,000 $275,000 12/7/2020

Your Vero Beach Newsweekly ™ Vero Beach 32963 / December 17, 2020 77

REAL ESTATE

Here are some of the top recent barrier island sales.

Subdivision: Orchid Island, Address: 900 Orchid Point Way Subdivision: Orchid Island, Address: 535 White Pelican Cir

Listing Date: 10/7/2020 Listing Date: 1/23/2020
Original Price: $1,850,000 Original Price: $2,595,000
Recent Price: $1,850,000 Recent Price: $2,295,000
Sold: 12/10/2020 Sold: 12/10/2020
Selling Price: $1,875,000 Selling Price: $2,000,000
Listing Agent: Anne Torline & Heidi Levy Listing Agent: Anne Torline & Heidi Levy

Selling Agent: Orchid Island Realty Selling Agent: Orchid Island Realty

Anne Torline & Heidi Levy Anne Torline & Heidi Levy

Orchid Island Realty Orchid Island Realty

Subdivision: Treasure Cove, Address: 1495 Treasure Cove Ln Subdivision: Somerset Bay Condo, Address: 9025 Somerset Bay Ln, #401

Listing Date: 10/8/2020 Listing Date: 8/26/2020
Original Price: $2,400,000 Original Price: $849,000
Recent Price: $2,400,000 Recent Price: $849,000
Sold: 12/9/2020 Sold: 12/8/2020
Selling Price: $2,180,000 Selling Price: $810,000
Listing Agent: Cindy O’Dare Listing Agent: Debbie Bell

Selling Agent: Premier Estate Properties Selling Agent: Berkshire Hathaway Florida

Cindy O’Dare Charlotte Terry

Premier Estate Properties Alex MacWilliam, Inc.

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78 Vero Beach 32963 / December 17, 2020 Your Vero Beach Newsweekly ™

REAL ESTATE

Here are some of the top recent barrier island sales.

Subdivision: Orchid Island, Address: 390 Westwind Ct Subdivision: Estuary, Address: 170 Lakeview Way

Listing Date: 3/19/2018 Listing Date: 9/28/2020
Original Price: $3,140,000 Original Price: $995,000
Recent Price: $1,749,000 Recent Price: $995,000
Sold: 12/8/2020 Sold: 12/8/2020
Selling Price: $1,500,000 Selling Price: $920,000
Listing Agent: Nancy Hardy Listing Agent: Jane Schwiering &
Lucy Hendricks
Selling Agent: Premier Estate Properties Selling Agent:
Berkshire Hathaway Florida
Not Provided
Bob Niederpruem
Not Provided
Premier Estate Properties

Subdivision: Marbrisa, Address: 340 S Monterey Dr Subdivision: Orchid Island, Address: 421 Indies Dr

Listing Date: 10/15/2020 Listing Date: 4/1/2019
Original Price: $1,075,000 Original Price: $1,369,000
Recent Price: $1,075,000 Recent Price: $1,369,000
Sold: 12/8/2020 Sold: 12/7/2020
Selling Price: $1,000,000 Selling Price: $1,300,000
Listing Agent: Talle Genoni Listing Agent: Bob Niederpruem

Selling Agent: ONE Sotheby’s Int’l Realty Selling Agent: Premier Estate Properties

Kristin Casalino Jon Bastian

Dale Sorensen Real Estate Inc. Keller Williams Realty