01/21/2021 ISSUE 03

Your Vero Beach Newsweekly ™ Vero Beach 32963 / January 21, 2021 51

HEALTH

alyze everything, hoping to think their Reduce overthinking by identifying mood disorders at the University of To-
way out of feeling bad, and fret about rumination triggers – such as being ronto.
consequences of their sadness. tired or tense – and come up in
advance with engaging alternatives If that seems like too much, break
“Unfortunately, the rumination only such as videoconferencing a friend or down an action into smaller parts and
magnifies the depressed mood. It takes reading a page-turner. do just the first step, such as dressing up
normal feelings of sadness and turbo- to go out (but staying home).
charges them,” said Edward Watkins, and engagement with others worsens bound to have a significant impact.
professor of experimental and applied mood and potentially spurs more se- But how do we jolt ourselves out of 3. Increase self-compassion.
clinical psychology at the University of vere depression. Conversely, action, Depressed feelings are often inter-
Exeter in England. When we ruminate, especially focused on something that’s inaction? “Don’t wait to feel like going twined with self-judgment. Studies find
we tend to think again and again about important to you, can reduce depres- for a walk or to be in the right mind-set that self-criticism and perfectionism
a negative past in general, global terms. sion. If, for instance, your spirituality to call a friend. Do it just because you provide strong fuel for depression.
To decrease rumination, Watkins sug- includes connecting with nature, plant- deemed it important enough to put it Self-compassion is an alternative.
gests focusing on discrete and concrete ing some flower bulbs or taking a hike is on a calendar,” said Zindel Segal, dis- Kristin Neff, an associate professor of
details of troublesome events, answer- tinguished professor of psychology in educational psychology at the Universi-
ing, “How did this happen?” and “What ty of Texas and author of “Self-Compas-
exactly can I do about it?” sion: The Proven Power of Being Kind to
Yourself,” defines it as treating yourself
It can also be useful to identify com- with the same kindness, warmth and
mon rumination triggers – such as be- support as you would treat people you
ing tired or tense – and come up in ad- care about.
vance with engaging alternatives such “You need to first acknowledge your
as videoconferencing a friend or read- [sad] feelings and be open to them, then
ing a page-turner. direct understanding and care toward
yourself, and finally realize suffering
Finally, “it always helps to focus on is a part of shared human experience,”
someone else instead of yourself,” Beck Neff said. So being a part of, for ex-
said. Helping a relative or volunteering ample, a support group or an Internet
for a cause might do the trick. mailing list where people struggle with
similar problems can be validating and
2. Move around and socialize, even if helpful.
you don’t feel like it. Notice when you start slipping into a
self-critical mode and replace it with a
Often, the last thing people want to do self-compassionate voice by channel-
when they’re feeling down is to get ac-
tive. My patients often describe a strong CONTINUED ON PAGE 52
pull to stay in bed with the covers over
their head. But restricting movement

52 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

HEALTH

CONTINUED FROM PAGE 51 Practice creating scenes in your mind
that include all your senses. Such men-
ing what you would say to someone who tal imagery has shown promise in lift-
is dear to you. ing depressed mood.

“Even the tone of your silent or spo- 5. Notice when you feel well and
ken voice matters – the gentler the bet- build on that.
ter,” Watkins said.
Even during low times, people occa-
4. Sideline thoughts of helplessness sionally experience moments of posi-
and hopelessness. tive mood. It can be as fleeting as the
first bite of a crisp apple or more sub-
It’s common to feel frustrated and stantial, such as the feeling of awe at a
sad when we can’t control bad things. valley awash in golden foliage.

This is especially true in the middle Savoring these positive moments – by
of a frightening pandemic that is both slowing down, focusing on the experi-
medically and economically threaten- ence of our five senses, taking a mental
ing. A client recently told me, “I can see or phone photo, sharing your emotions
our country hurtling toward destruc- with others – leads to the activation of
tion, and I am completely powerless to brain regions known to reduce depres-
stop it.” This sense of helplessness is sion, studies have found.
often accompanied by a loss of hope for
a better future. Psychologist Lauren Al- Later, “you can reminisce with oth-
loy’s decades-long research at Temple ers, reviewing in detail the positive mo-
University has shown that hopelessness ments and cherishing uplifting photos,”
is a strong contributor to worsening de- Beck said. “That way, the good mood
pression. can be recalled in a deliberate fashion.”

Beck recommended asking yourself This year has been emotionally hard
what you can do despite the situation, for many people.
and then creating a plan to put it into
action. Even small accomplishments – These strategies have been shown to
such as making phone calls for an hour help people keep their low moods from
on behalf of a political candidate – can overwhelming them or turning into a
reduce your sense of pervasive helpless- major depression. But if your depres-
ness. sion worsens and interferes with your
life, you should seek professional help
To counter hopeless thinking, try that might include psychotherapy,
vividly imagining positive actions you medication or both. 
could take or good things happening.

Your Vero Beach Newsweekly ™ Vero Beach 32963 / January 21, 2021 53

HEALTH

Legionnaires’ disease spreads via contaminated water

BY FRED CICETTI Then they form a “biofilm.” on radic and local problem. It often oc-
the surfaces. As water flows curs in hospitals and nursing homes
Columnist past, it dislodges some of the where the bacteria can spread and the
biofilm and spreads bacteria residents are vulnerable to disease.
Question: Is it true that you can get throughout the water system. There is no evidence that the disease
Legionnaires’ disease from gagging on a is transmitted between people.
drink of water? This has got to be bogus. You can get Legionnaires’
disease in your home, but most Legionnaires’ disease is common
While this sounds like an urban cases have occurred in large in the United States. About 25,000
myth, it is true. buildings; there’s a theory that cases of the illness occur each year
extensive systems permit bac- and cause more than 4,000 deaths.
Most people become infected with teria to grow and spread more The fatality rate is similar to that of
Legionnaires’ disease when they in- easily. other forms of pneumonia, which is
hale microscopic water droplets con- about 15 percent. 
taining legionella bacteria. If you Legionnaires’ disease is a spo-
choke or cough while drinking, you
can get water in your lungs. If the water
contains legionella, you may develop
Legionnaires’ disease, which is a form
of pneumonia.

Legionnaires’ disease primarily af-
fects the lungs. However, it can cause
infections in wounds and in other
parts of the body, including the heart.

Those who are especially vulner-
able to Legionnaires’ disease are older
adults, smokers, heavy drinkers and
people with weakened immune sys-
tems.

If not treated, Legionnaires’ disease
can be fatal. Immediate treatment
with antibiotics can usually cure Le-
gionnaires’ disease.

Legionella bacteria also cause Pon-
tiac fever, which is like influenza. Pon-
tiac fever usually clears on its own in a
few days.

Legionnaires’ disease got its name
from American Legionnaires who were
celebrating the nation’s bicentennial
in the summer of 1976 in Philadelphia.
Hundreds became extremely ill and 34
died from the disease. The infection
was traced to a hotel water system. It
took almost six months to identify the
bacteria that caused the illness.

This type of bacteria existed before
the Philadelphia outbreak. More Le-
gionnaires’ disease is being detected
now because doctors look for it when-
ever a patient has pneumonia. It is dif-
ficult to distinguish this disease from
other forms of pneumonia; so many
cases still go unreported.

The legionella bacteria usually are
found in water; they grow best when
the water is warm. So, legionella is of-
ten found in hot tubs, plumbing, water
tanks, whirlpool spas on cruise ships,
and large air-conditioning systems.

A few people have contracted Le-
gionnaires’ disease after working in
the garden or using contaminated pot-
ting soil. It’s also possible that the dis-
ease may spread when earth contain-
ing the bacteria is stirred up at large
construction sites.

Like many microorganisms, legio-
nella bacteria can attach to the insides
of pipes, faucets and showerheads.

54 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

HEALTH

Research: Vaping among U.S. teens trending slightly down

BY LINDA SEARING was a daily habit, but 41 percent said journals Tobacco Induced Diseases
The Washington Post they have vaped at some point. and PLOS One, report a link between
vaping and mental fog, with those
Among high school teens in the The research, which was published who vape having more trouble con-
United States, about 22 percent said in the journal JAMA Pediatrics, says centrating, remembering and mak-
they had used e-cigarettes, known that the rapid increase in teen vap- ing decisions than their peers who
as vaping, in the preceding 30 days, ing from 2017 to 2019 slowed some- neither vape nor smoke.
according to research that tracked a what in 2020, which it attributes to
nationally representative sample of a rise in the legal age to buy e-ciga- In addition, people who vape,
8,660 10th- and 12th-graders. Only 7 rettes and to bans on e-cigarette car- compared with those who do not,
percent of the teens said that vaping tridge flavors that teens favor. are 43 percent more likely to develop
a respiratory disease, including in-
Still, the prevalence of vaping creased risks of chronic bronchitis
(33 percent), asthma (31 percent),
among teens and young adults sparks emphysema (69 percent) and chron-
concern because of the health risks ic obstructive pulmonary disease
associated with it, which exposes (57 percent), according to research
the lungs to addictive nicotine and published in JAMA Network Open
a variety of chemicals. For instance, that included 21,618 nationally rep-
two new studies, published in the resentative adults.

Vaping has been linked in several
studies to an increased risk of CO-
VID-19 in young adults. And a new
study in the journal Addictive Be-
haviors finds that youths who vape
are nearly three times more likely to
take up cigarette smoking and more
than twice as likely to try smokeless
tobacco as are those who do not use
e-cigarettes. 

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Your Vero Beach Newsweekly ™ Style Vero Beach 32963 / January 21, 2021 55

How Katie Holmes is trying to bring back double denim

BY KRISSY TURNER
The Telegraph

It’s official: Katie Holmes can do a striped shirt and a denim blazer.
no wrong in the eyes of fashion. Out- The silhouette is just as important.
fit case in point: Her recent Canadian
tuxedo look. Holmes made the case for the slim-fit
version of this look late last year, then
Pairing denim with denim is typically dabbled in a slightly looser fit in the
seen as a fashion faux pas, with images cream denim look. This latest oversized
of Britney Spears in that denim corset version is much more modern, effort-
and maxi skirt springing to mind first, less and of-the-moment, nicely setting
which is why many steer clear. Holmes, all dodgy skin-tight ’90s comparisons
with her enviable knack for making aside and paving the way for the New
even the most casual looks appear chic Double Denim.
and pulled-together, has managed to
put denim duos firmly on our radar for We’ve not so much as glanced in the
2021 – the actress successfully rewrote direction of our denim drawer since
the denim style script while out and lockdown began, but Holmes has had
about in New York this week with her us googling ‘denim shackets’ for the
boyfriend, Emilio Vitolo Jr. past few days, with plans to pair them
with boyfriend jeans immediately. Any-
She’s been sporting an array of denim- one else having a cashmere bradigan-
on-denim looks throughout lockdown, gate déjà vu? 
so what did she do differently this time?
Let’s dissect the off-duty outfit.

For starters, in her ongoing quest to
deem double denim fashionable, she’s
perfected how exactly to do it which is
handy for the rest of us.

In November, she tucked a bleach
wash denim shirt into coordinating slim
leg jeans, pairing them with lemon Bot-
tega Veneta mules and a cognac-hued
slouchy tote for a slightly glam vibe.
More recently, she opted for all-white
denim, wearing a shacket with matchy
boyfriend jeans, and pairing with a dra-
matic black leather trench coat. For her
latest denim look, she chose colorful
sneakers, which are typically not in her
minimal style remit.

We can deduce then that it seems her
trick for styling double denim and our
main takeaway is to opt for unconven-
tional pairings to modernize it. Think
a leather blazer over a denim shirt with
matching jeans and ballet pumps, or
heeled leather boots with loose-fit jeans,

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56 Vero Beach 32963 / January 21, 2021 Style Your Vero Beach Newsweekly ™

‘Sex and the City’ is back, but the style world has changed

BY MELISSA TWIGG Now that the show is coming back, I clever, New York styling is lost. I don’t think it means having an obses-
The Telegraph hope costume designer Patricia Field – This new series, which is titled “And sion with $5,000 accessories and dress-
if she takes the job – revives that playful ing in head-to-toe in designer gear to
When I was a teenager, I assumed aesthetic rather than the one from the Just Like That ...” and which will con- get on an airplane.
that growing up meant dressing just two films – the second of which I can sist of 10 episodes featuring Sarah
like the women from “Sex and the hardly watch without covering my face Jessica Parker, Cynthia Nixon and Yes it’s escapism, but the television
City.” I would religiously (and furtively with my hands in horror. In the movies, Kristin Davis, has the chance to show show was never like this. When, in sea-
because my parents didn’t approve) the women are mostly in their mid-40s the show’s fans what dressing well in son four, Carrie realizes she has spent
watch Carrie, Miranda, Charlotte and and, yes, they dress extravagantly in all your 50s can really look like. Sadly $40,000 on shoes but has nowhere to
Samantha and assume that one day I the latest collections, but they are so Kim Catrall, who plays Samantha, has live, it was both a joke and a sign of
too would wear tiny yellow hot-pants drunk on luxury labels that some of the declined to return (will they write in the character’s flaws. But in the films
on a date and clinging Galliano dresses a real-life rift? Send her character to there is no sign of that self-awareness,
out to lunch. another time zone? Kill her?), but the and instead the four of them cavort in
other three will be back roaming the deserts and medinas in thousands of
Of course it didn’t turn out exactly streets of Manhattan in what I hope dollars worth of couture without ever
that way. Even though I spent quite a bit will be an updated wardrobe to reflect blinking an eyelid.
of my 30s single, living in a big city and a new era.
writing for newspapers, the thought After what has been a complicated
of wearing stilettos to work – let alone The original series wasn’t an entirely decade for America in particular, that
to the supermarket or the airport like realistic portrayal of how singletons in sort of blithe, money-obsessed view
Carrie does – is exhausting. their 30s dress and nor does this one of fashion would really hit the wrong
have to be entirely true to how married note if they revived it. By contrast, a
But what I do try to emulate is the women in their 50s do. fun, stylish reboot showing that wom-
way early “Sex and the City” sends en in their 50s can dress with just as
its characters around Manhattan in But there was something a bit joyless much imagination and humor as they
cheap vintage dresses with designer about the two films, which were made did two decades ago would be just the
shoes, and in cotton T-shirts with ex- in 2008 and 2010. In them, the women tonic we need.
pensive embroidered skirts or men’s talk about labels in a way they thank-
shirts with brocade coats, thereby per- fully never talked about love – infatuat- For Carrie, I would love to see a re-
sonifying “high-low” dressing before it ed and high on the fairy tale, as if own- turn to those minimalist pieces Sarah
was even a catchphrase. ing a Louis Vuitton bag was the key Jessica Parker wore so well in the ear-
to eternal happiness. I love fashion as ly series, but updated. I think one of
much as anyone with my job title, but her best outfits comes in the second

Your Vero Beach Newsweekly ™ Style Vero Beach 32963 / January 21, 2021 57

season when, fresh from breaking up series, moving from oversized dunga- suits of her early years, or the over- slightly easier job than she does with
with a writer played by Justin Ther- rees, caps and bulky suits, into ultra sized accessories that never really fit- the other two. Her pretty, preppy
oux, she stumbles upon her friends polished Gucci logoed fashion lover ted her character in the films. She’d style never changed much over the
while wearing a simple stretchy gray (and occasionally victim). look fantastic in a Simone Rocha cape years, and it would be an easy update
dress with aviators and loose hair. to take her from Park Avenue princess
Perhaps for this new season they with a simple shirt underneath, or in to the luxe eco-warrior she would
It is the sort of dress that Galvan could strike a happy note in the mid- a pair of Zimmermann print trousers surely be today. There’s no doubt that
makes in summer, but it also makes dle? Let’s see Nixon in some beauti- with a sweater, flat shoes and simple Charlotte York would be an acolyte of
me think she would look great in fully cut tailored pieces from The Row hoops. Gabriela Hearst (who, aptly, already
Alessandra Rich in winter, as both rather than either the dodgy trouser designs for New York’s 1 percent),
sell tailored pieces that would work With Kristen Davies, Field has a but she’d also look great in knits by
with Carrie’s form-fitting aesthetic, Loro Piana, paired with a pair of navy
while also having longer hemlines to trousers, or in other stealth luxe la-
match modern trends and her new bels by the likes of Rosanna Getty
mid-life wardrobe. Reformation also and Brunello Cuccinelli.
does a good line in slip dresses that
could be jazzed up with an extrava- But the biggest question of all is
gant coat, or paired with a simple what they do about the shoes. For
pair of sunglasses. years, “Sex and the City” fed us the
line that to be a glossy Manhattanite
Another significant Carrie look is was to wear skyscraper stilettos to ev-
her love of florals: floral dresses, floral ery occasion. Thanks to Patricia Field
skirts, floral boob tubes and even flow- and Sarah Jessica Parker, vertiginous
ers in her hair. Ganni’s ruffled flower heels became bywords for sex and
print dresses are very 2021 but also power and remained so until the foot-
very Sarah Jessica Parker, and while wear revolution of the past few years.
Rixo tends to make clothes in slightly
looser silhouettes than the Carrie of Now we have done a full 180, and
old would have picked, meaning they there are more sneakers, battered Dr.
could be a great brand to show her Martens and Birkenstocks than heels
transition into a new decade. of any height at fashion week. I’d love
to see Carrie in a pair of Bottega Veneta
When it comes to Miranda, most of biker boots – but is Patricia Field brave
us have a love-hate relationship with enough to really reflect this new com-
her clothes. The styling for Cynthia fort-first decade and have Carrie hang
Nixon’s character changed more than up her Manolos? I hope so. 
any of the others over the course of the

58 Vero Beach 32963 / January 21, 2021 Style Your Vero Beach Newsweekly ™

T he fashion lessons I’ve learned from ‘90s romcoms

BY MELISSA TWIGG Over the course of my deep dive into there were also a few previews of the an homage to it and named it the Viv-
The Telegraph late 20th century romcoms, I have re- minimalist decade to come, particu- ian. Perfect for post-pandemic parties,
alized that there are fashion lessons to larly an LBD that is a clear predecessor it should be worn like Julia Roberts did:
Some people are turning to drink. be learned. Yes, there are some duds to Princess Diana’s 1994 revenge dress. on a hot day with a big smile. Although
Others are cycling to distant parks, (every bridal outfit in “Four Weddings this time, lose the gloves.
religiously competing in Words With and a Funeral”; the horror show that is But it is the brown spotted dress Viv-
Friends or taking refuge in hour-long “Miss Congeniality”) and many outfits I ian wears to a polo match that is a thing “Four Weddings and a Funeral”
baths with a book. My own solution am now too old for (almost all of “Clue- of beauty and which somehow hasn’t The lesson: We should all wear more
to the chaos outside and the intermi- less”). But Julia, Gwyneth, Meg, etc. dated at all. The original was designed hats
nable evenings inside has been 1990s were queens of the slip dress, the silk for the film, but Alexa Chung has made
romcoms. skirt, the stompy boot and the dramatic
hat – and they have much to teach us.
Yes, I’ve watched them many (many)
times before but that’s the point – in “Pretty Woman”
these ‘unprecedented times’ it is nice The lesson: A simple sleeveless print
to have a bit of precedent. I know that dress rarely goes out of style
while Meg Ryan and Tom Hanks will With a script that could never be ap-
dislike each other at first, and while proved now, this 1990 film follows the
Julia Roberts will break Hugh Grant’s romance between Julia Roberts, who
heart, by the time the credits roll they’ll plays a prostitute called Vivian, and a ty-
be kissing in a garden somewhere. coon in the form of Richard Gere. Thirty
years later and Vivian’s most memora-
I’m not alone – many of the most ble outfit remains the white and blue
watched films on Netflix this winter Hunza minidress, which was recently
have been ’90s classics, and tellingly recreated by Hunza G and is now worn
it is less of the Quentin Tarantino va- unironically by twenty-somethings.
riety and more of the Nora Ephron and The style in the film is still very ’80s:
Richard Curtis one. Psychologists have lots of evening gloves, scarlet gowns,
weighed in, saying that when the world voluminous shorts-suits and jewels, but
is this stressful, we need the comfort of
something soothing.

Your Vero Beach Newsweekly ™ Style Vero Beach 32963 / January 21, 2021 59

Given the amount of chintzy florals, for how to dress in 2021. is an essential item sleeved polo neck of my own and have
oversized collars, brocade dresses and Things are not going well for Helen Kathleen Kelly was not supposed worn it throughout the 2021 version of a
velvet hairbands on display, this film busy week (to the sofa, to the kitchen, to
is essentially an ode to Fergie’s style. It at first, as proved by her endless array to be a style icon. But 23 years later, my desk …).
makes sense: the script gently mocks the of droopy sweaters. But her post break- her sensible skirts, chunky shoes and
upper-middle class that threw identikit up makeover includes a wardrobe filled ubiquitous knits are more fashionable “The Talented Mr. Ripley”
countryside weddings each summer. with slinky spaghetti strap dresses, than they were then. In the film, Meg The lesson: A simple white shirt is the
cashmere sweaters, and hanging-off- Ryan plays the hardworking book-sell- key to beach-side dressing
Andie MacDowell is the star, and the-hipbone pants – and I itched to get er who falls in love with an anonymous If I could magic myself out of gray
making up for her slightly wooden act- my hands on her leather blazer. When man (hi Tom Hanks) she has met on a London and onto any film set in his-
ing (“Is it raining, I hadn’t noticed”) are thrown over sleek wool skirts and skin- new-fangled thing called the Internet. tory it wouldn’t be Thai beaches or
her outfits, in particular the famously ny ribbed polo necks, it proves why Gen Manhattan cocktail bars, it would be
broad-brimmed black hat she wears Z is so eager to recreate the decade they But while she may not have been a the Italian coastline near Naples where
with an ankle-length gray skirt and a missed out on. pro at what was to become online dat- “The Talented Mr. Ripley” was filmed.
white blazer to the very first wedding. ing, Kathleen certainly knew how to And in this fantasy I would be dressed
In an interview with Vogue, the layer. From the aforementioned mid- exactly like Gwyneth Paltrow’s char-
Kristen Scott-Thomas as the glorious “Sliding Doors” costume designer Jill calf skirts, to her chic mannish slacks, acter Marge: lots of silk scarves wo-
Fiona has an equally impressive hat Taylor explains that the film barely none of her outfits would look out of ven into my hair, high-waisted pink
wardrobe (I love her peachy one) and had a clothing budget and was ulti- place in a 2021 fashion shoot. bikinis, open-toe sandals and colorful
it made me swear that if big weddings mately saved by Calvin Klein, a friend mid-calf skirts.
return I will be donning some proper of Paltrow’s, who lent them most of the But it is her soft knits that really steal By choosing this film, I know I have
head-gear. Hat-hair be damned. outfits. And the black leather blazer? the show. Often balanced out with a broken my own rules: it was made in
Gwynnie got to keep it, of course. more structured piece on her bottom the ’90s but set in the ’50s, and follows
“Sliding Doors” half or cinched in with a belt, they are the life of a sociopathic liar and mur-
The lesson: A leather blazer improves “You’ve Got Mail” worn to work, on dates, to parties, un- derer – so definitely not a romcom.
any outfit The lesson: A short-sleeved polo-neck der cardigans and on their own. After But oh, the clothes. If there is one
While Gwyneth Paltrow’s spiky watching it, I dug out a black short- styling tip I would take from it, it is the
blonde haircut has definitely dated power of a crisp, well ironed white shirt
since 1998, her minimalist vest top and that is either short-sleeved or rolled up
silk skirt, chunky boot-filled ward- above the elbows, and knotted just
robe couldn’t be more current. The above the waistband of your skirt. Jac-
film – which follows Helen, who in one quemus does a very Marge one, as does
strand of the story catches her train & Other Stories at a quarter of the price.
and also her boyfriend in bed with an- Oh, summer, please hurry up ... 
other woman, and in the other doesn’t.
The styling could also be a short-hand

60 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

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Your Vero Beach Newsweekly ™ Vero Beach 32963 / January 21, 2021 63

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64 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

ARTIST GALLERIES

Except where noted, hours are by appointment Artist Owners: Merana Cadorette, Sue Dinenno,
or chance. Annette Gekle, Barbara Glover, Sherry Haaland,
Judy Mercer, Dawn Mill, Patricia Padoll, Judy
BEACHSIDE GALLERIES Rixom, Fran San Miguel and Rita Ziegler

J.M. Stringer Gallery of Fine Art Gallery 14
2465 Ocean Drive. 772-231-3900 1911 14th Ave. 772-562-5525
Website: jmstringergallery.com Website: gallery14verobeach.com
Hours: 11 a.m. to 6 p.m. Tuesday through Satur- Hours: 10 a.m. to 5 p.m. Tuesday through Fri-
day or by appointment day; and to 4 p.m. Saturday.
Working artists, antique paintings, furnishings, January Exhibit: Fabulous Foursome – works by
sculptures, object d’art and private collections Sandy Ford, Carol Staub, Mia Lindberg and Wal-
ford Campbell
Koman Fine Art Partner Artists: Lila Blakeslee, Barbara du
2905 Cardinal Drive. 772-231-4500 or Pont, Beth-Anne Fairchild, Mary Ann Hall,
772-473-1646 Barbara Landry, George Pillorgé, Deborah
Instagram: komanfineart Morrell Polackwich and Dorothy Napp Schin-
Hours: 9:30 a.m. to 5 p.m. Monday through Sat- del
urday or by appointment
Collection of living artists, from realism to ab- Main Street Vero Beach Studios & Gallery
straction. 2036 14th Ave., Suite 103. 772- 643-6782
Website: mainstreetverobeach.org
Laughing Dog Gallery Meghan Candler Gallery Hours: 10 a.m. to 3 p.m., Monday through Fri-
2910 Cardinal Drive. 772-234-6711 day.
Website: thelaughingdoggallery.com 6160 Hwy. A1A at the Village Shops. Resident Artists: Barbara Sharp and Clair Bru-
Contemporary American craftsmen, including the 772-234-8811 netti
Treasure Coast’s largest collection of art glass. Website: meghancandlergallery.com
Hours: 10 a.m. to 5 p.m. Tuesday through Sat- Hours: 10 a.m. to 5 p.m. Tuesday to Flametree Clay Art Gallery
urday Saturday 2041 14th Avenue. 772-202-2810
Curated paintings and sculpture by Website: flametreegallery.com
Ocean Drive Gallery more than 40 contemporary artists Hours: 12 p.m. to 4 p.m. Tuesday through Satur-
3349 Ocean Drive, Suite 8, 2nd Floor. day.
772-579-7667 HISTORIC DOWNTOWN ARTS DISTRICT January exhibit: “Handiworks” New and Select-
Website: oceandrivegalleryverobeach.com GALLERIES ed Ceramics of Sean Sexton
Gallery Artists: Elise Geary, Andrea Lazar, Gail All open during 5 p.m. to 8 p.m. First Resident Artists: Rae Marie Crisel, Keko Ekono-
Fayerweather, Cree Scudder and Sherrie Peter- Friday Gallery Strolls mou, Heidi Hill, Kim Mayo, Marie “CoCo” Mar-
mann tin, Judy Nye and Maria Sparsis

Palm House Gallery & Studio Artist Bungalow through Friday; 11 a.m. to 2 p.m. Saturday Vero Beach Art Club Annex & Gallery
3227 Ocean Drive (2nd floor). 772-231-6816 1905 14th Avenue. 772-205-7631 Jan. 11 to Feb. 26: The Grid Comes Full Circle II, 1903 14th Ave. 772-217-3345
Website: palmhousegallery.com artistbungalow.com an exhibition curated by Terry K. Hunter of works Website: verobeachartclub.org
Gallery Artists: Wendy Douglas, Dede Gilbert, Hours: 11 a.m. to 3 p.m. Tuesday, by his students over more than four decades Hours: 11 a.m. to 3 p.m. Monday through Sat-
Rick Kelly, Madeline Long, Suzy Mellott, Jack Thursday and Friday. urday; Holiday Showcase of member artists’
Staley, Barbara Tiffany and Emily Tremml January and February Exhibit: Whimsy Artists Guild Gallery works through Jan. 15
and Wings Assemblage Art 1974 14th Avenue. 772-299-1234
Steve Diossy Marine Art Gallery Artists/Owners: Jeff and Patti Hall Website: artistsguildgalleryofverobeach.com GALLERIES ELSEWHERE
3247 Ocean Drive. 772-205 2973 Exhibiting Artists: Amy Grabelski, Saskia Fuller, Hours: 11 a.m. to 3 p.m. Monday through Saturday
Website: stevediossy.com Mike Roe and Donald Sherriff Barbara Krupp Fine Art Studio/Gallery
Hours: Noon to 7 p.m. Mon., 11 a.m. to 7 p.m. 4315 U.S. 1. 440-574-4662
Tues. to Fri., 11 a.m. to 8 p.m. Sat., and noon to Raw Space Website: barbarakrupp.com
6 p.m. Sun. 1795 Old Dixie Hwy. 772-410-9126 Hours: By appointment
Original artwork from the creator of Florida’s Website: artconceptalternative.org Resident Artist: Barbara Krupp, original acrylic
‘Protect Wild Dolphins’ license plate design Regular hours: 3 p.m. to 6 p.m. Wednesday paintings

Your Vero Beach Newsweekly ™ Vero Beach 32963 / January 21, 2021 65

CALENDAR

ONGOING 22|23 Comedy Zone at Riverside 23 STEAM Explorer Weekend Workshop, 24 Inaugural Vero Beach Half Marathon
Theatre, 7 p.m. and 9 p.m. 10 a.m. and 1 p.m. at Environmental & Sea Turtle 2-Miler, 6:45 a.m. and
Check with organizations directly for up- with comedians Jeff Jena and Junita Lolita. $14- Learning Center for students in grades PreK to 7 a.m. from Riverside Park to benefit Running
dates/cancellations. $18. Live in the Loop concerts, British Invasion Band First Grade, with children taking a 1-1/2 hour Zone Foundation, with an added Battle of the
(Fri.) and Collins and Company (Sat.), 5:30 p.m. to sensory stroll and creating nature art with Bridges 2-Mile Challenge to benefit Coastal
Vero Beach Museum of Art: Chul Hyun Ahn: 9:15 p.m. Free but tickets required. 772-231-6990 found objects. Free. discoverelc.org Connections. 321-751-8890
New Light thru April 30. Vbmuseum.org
Solutions from Games Pages ACROSS DOWN Crossword Page 37 (SOLVING RELIGIOUSLY)
Vero Beach Theatre Guild: The comedy Over in January 14, 2021 Edition 1 BURR 1 BRAVO
the Tavern, thru Jan. 24. 772-562-8300 3 CANNED 2 RAREBIT
8 HAIR 4 ALFALFA
JANUARY 9 ELF 5 NOMAD
10 MISS 6 DESERVE
21-24 30th annual Fellsmere Frog 11 DOUBTFUL 7 BEEF
Leg Festival, with rides, 12 DIRT 14 ACCLAIM
vendor booths, live entertainment and frog leg 13 FACTOR 15 RETIRED
and gator tail dinners to benefit Fellsmere youth 16 AMULET 17 UNHAPPY
recreation programs, 4 p.m. to 11 p.m. Thurs. 18 SCAM 19 MODEL
and Fri.; 10 a.m. to 11 p.m. Sat.; and 11 a.m. to 20 TOMAHAWK 21 MEEK
6 p.m. Sun. Free admission and parking. Frog- 23 HARD 22 WELSH
legfestival.com 24 RYE
25 POLO
26 MELODY
27 MYTH

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66 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

PETS

Bonz says teensy Emma and Molly are tons of fun

Hi Dog Buddies! sic Playful Puppy an, at first, Joy was like Emma Their Mom held her hand a liddle
‘Whoa! Seriously?’ But once she got use to bit above Emma’s nose and said,
The Misses Emma an Molly Alexander me, we got to be real close an, Mom says, Molly PHOTOS: KAILA JONES “Uppy Puppy!” Emma stood on her
are an adorable combination of Itty Bitty I sorta gave Joy her second wind. We had back legs an even twirled a liddle.
Size; Colossal Cuteness; and Ji-NOR- lotsa fun together, till she hadda go to Dog “I rest my case,” said Molly.
muss Energy. Miss Molly is a Maltese Heaven. I still miss her. So then …” “Humpff!” said Emma. “Can I help it “I can do Uppy Puppy all day!” she
and Miss Emma is a Morkiepoo. They are if I have refined tastes?” said, executing several 10-worthy
both charming, snowy white extroverts. “I’M tellin’ this next part!” innerupt- With the phrase ‘sibling rivalry’ danc- Uppy Puppies in a row. Quite impres-
ed Molly. “So THEN, Mom was lookin’ ing in my head, I said, “Tell me about sive, ackshully.
As soon as the door opened, they for a fren for Emma an she found ME. your pooch pals, what you do for exer-
came bouncing up for the Wag (wag, I was just a teeny puppy, only 9 or 10 cise, the family dynamic, stuff like that.” “Watch me FETCH,” said Molly. She
wag, wag)-an-Sniff, wigglin’ like nobud- weeks old. I mean, I was only just born Immediately Molly said, “Emma may shot off like a fluffly liddle rocket and re-
dy’s business, all smiles, bouncy hair an last June. Mom could hold me in her be wa-ay quieter an calmer, an she gets turned with a blue-an-orange chewy toy
bright eyes, but (unusual in my experi- hand an still have room for a buh- annoyed with me on occasion, an I might clutched firmly in her mouth, whereup-
ence with pooches of the Itty Bitty per- NAA-nuh. Me an Emma got along possibly be more verbal an kissy, an feel on she an her Mom did a fast-an-flaw-
suasion) not that barky. right away, Thank Lassie, even though she is sometimes a liddle, well, boring, less Fetch series (including returns).
we’re kinda different from each other.” but we’re totally each other’s BFFs.”
My assistant was all “Oooooooo! “Absolutely!” agreed Emma, adding, “We greatly enjoy playing with Corey
They’re SO CUUTE!!,” carefully step- “True!” interjected Emma. “I am “I am also a Momma’s Grrrl. I’ll hang an Colin’s human frens when they come
pin’ inside as if walkin’ through a field a Tomboy. My liddle sister is a total with Dad when Mom’s at work. But over,” added Emma. “They’re way fun.
of flowers, in order not to in-ad-VERR- (sassy) Diva Princess! She does this when Mom gets home it’s All Mom, All Very energetic. I also love on-leash beach
tently smush one of them. goofy, scoochy thing with the blankets, the Time. I feel very pruh-TECT-tive of runnin’, but Molly’s not quite into that
tryin’ to dig a cozy liddle nest. PLUS, she her. Oooo, an LOOK what I can do!” yet. Those speedy liddle birds would run
We got settled at the table. (We sneakily snatches Mom’s shoes an hides right over her an not even notice.”
meaning me an the humans). Molly an ’em in the Shark Bed.”
Emma remained in motion during the “I have a Crispy Dog Biscuits bood-
entire innerview. Before I could say “Whatsa Shark WAHR,” said Molly. “Dad calls it a play-
Bed?” she nodded toward a pink, pooch- pen. I can go in it whenever I want. Af-
Something south of 4 pounds, Molly sized, igloo-shaped container decorated ter me an Dad play in the evening, he
is a chic, cantaloupe-sized fluffball with to look like a shark with its mouth open. sets me in it. It’s got a comfy, fluffy bed
sparkly black eyes and wavy ears, styled where I often sleep (when I’m not cud-
inna bob. Very on-trend. “But I just relocate shoes. I don’t chew dled up with Emma, snuggled between
’em UP or anything,” retorted Molly. Mom an Dad).”
“First off,” she said, “this is our Mom “Anyway, I LOVE car rides, an Emma
an Dad, Sandra an Dan. Our other step- gets carsick. An she’s scared of that noisy I couldn’t buh-LEEVE a whole hour
sibling, Biscuit, is sleepin’ still. Our hu- Pool Cleaner Thingy. AN, she’s terrible had passed. Headin’ home, I was
man brothers Corey, he’s 16, an Colin, at Fetch. She only does Part 1, the re- wonderin’ how much more I probly
he’s 13, are at school. Me an Emma are TREEVE. She NEVER does Part 2, the weighed than Molly an Emma together.
gonna be Co-Spokespooches. We read re-TURN. Never! It’s more like Fetch an I thought maybe I’d forgo my nightly
your column Every Week, so we know Catch Me If You Can! An,” she addressed dish of yoghurt.
What To Do.” Emma, “what about our Bully Sticks?”
My duh-licious dish of yoghurt.
“We totally do!” Emma agreed. “I don’t know what you’re referring to,” Naw.
Emma’s almost 4 in Human; about 12 Emma replied with wide-eyed innocence.
pounds, with longer legs an that sig- The Bonz
nuh-chure Yorkie haircut. Their Mom got two Bully Sticks from
the cupboard and gave one to each Don’t Be Shy
“Since I’m older, I’ll start. Ready?” she said. pooch. As soon as Molly grabbed hers,
I nodded. Emma petooied hers an grabbed Mol- We are always looking for pets with
“OK, so, Mom an Dad had another ly’s. When Molly started munching on interesting stories.
pooch, Joy, a large-size rescue from Emma’s petooied Bully Stick, Emma took
H.A.L.O. Joy was ‘Gettin’ Up There,’ an one look, petooied the one in her mouth, To set up an interview, email
slowin’ down. So they decided to get a sis- an snatched Molly’s. They repeated the [email protected].
ter for her. Which was ME. I was Your Ba- Bully Stick Dance a couple of times.

ELEGANT ORCHID ISLAND HOME HAS
GOLF COURSE AND LAKE VIEWS

412 Indies Drive in Orchid Island: 3-bedroom, 4.5-bath, 3,312-square-foot home offered
for $1,485,500 by Jim Knapp of Alex MacWilliam Inc. Real Estate: 772-913-0395

68 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

REAL ESTATE

Elegant Orchid Island home has golf course and lake views

BY SAMANTHA ROHLFING BAITA millwork enhance the spacious feel- kling lakes and a verdant stretch of ble French doors to the lanai in the
Staff Writer ing. Ambient light pours in through golf course. breakfast room.
a glass wall on the east side – a trio
With long, beautiful golf course of double French doors – which pro- The French doors open to the Bringing an easy elegance to the
and lake views, a spacious, bounti- vides a panoramic view of two spar- huge, white-columned lanai, lu- spacious family room is a marble fire-
fully landscaped lot and an “H” con- minous infinity pool and spacious place, commanding the north wall,
figuration that utilizes exterior wall
space for wide windows and doors,
the casually elegant home at 412 In-
dies Drive enjoys a light and airy re-
sort ambiance.

Easy indoor-outdoor living is inher-
ent in the home’s design and location.
Even the smartly chosen interior pal-
ette – soft whites, warm sandy hues
and gentle blues – echoes the natural
surroundings, creating a seamless
f low.

Nestled between the north and
south wings, within a long, covered
front entry porch, the double wooden
front doors open into a columned
gallery that stretches from wing to
wing and is open to the vaulted living
room/dining room.

Glowing Saturnia marble floors,
lofty ceilings and gleaming white

deck, creating a vast and versatile between two large windows; and a
indoor-outdoor entertaining oppor- soaring vaulted ceiling with double
tunity. The lovely lines of the lanai crown molding, where strategically
include a Robin’s Egg Blue, vaulted placed recessed lighting provides
ceiling framed with white double subtle after-dark illumination.
crown molding.
The kitchen features generous stor-
Adjoining the living room/din- age within clean white cabinetry with
ing room, the north wing houses the creamy Corian countertops and un-
open kitchen, breakfast room and der-cabinet lighting; an island with
family room space. cooktop; and a raised “peninsula”
between kitchen and family room,
As throughout, the generous use both with striated cream-and-brown
of large windows and doors fills the honed stone tops. An always highly
kitchen/breakfast and family room desirable feature of the kitchen is the
space with natural light – including large pantry. (Yay!)
a trio of wide windows along the east
wall of the family room and a window Completing the north wing are a
and double French door to the south, pair of carpeted guest bedrooms,
along with another window and dou- both with their own bathrooms, clos-

Your Vero Beach Newsweekly ™ Vero Beach 32963 / January 21, 2021 69

REAL ESTATE

ets and ceiling fans. One, in a sea blue bedroom’s double doors.
with cream chair rail and wainscot- Of the two separate bathrooms,
ting, offers a charming window seat
with under-seat storage between two “his bath” serves as a cabana bath
storage closets. The other, in pale yel- as well and is adjacent to “his” walk-
in closet. “Her” bath is gorgeous in

low with cream chair rail and wain- cream and the softest gold marble
scotting, has both northern and west- and offers a gleaming white corner
ern exposures. garden tub, large glass shower, water
closet, storage and a very special fea-
To the south from the gallery, a ves- ture: “Her” walk-in closet is a special-
tibule leads to the south wing, most of
which is occupied by the grand own-
er’s suite. Accessed via a vestibule, it
is a cool and spacious retreat where
you can relax and recharge in com-
plete privacy, even including his-and-
hers complete bathrooms.

You can enjoy the beautiful view of
greenery, two lovely lakes and rolling
green stretches beyond – as well as
the Florida sunrise – while still snug
in bed, always a delightful bedroom
feature. Or you can grab your coffee
and head for the lanai, through the

70 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

REAL ESTATE

ly constructed safe/hurricane room
with lots of space for the usual items
as well. Smart idea.

Completing the owner’s suite is a
flex room, which can serve well as
office, den, library or whatever best
suits your needs. The south vestibule
also leads to a powder room, and a
short hallway into the laundry room
and access to the garage.

Orchid Island is an exclusive coun-
try club community offering a wide
array of top-flight amenities that is

VITAL STATISTICS
412 INDIES DRIVE

Neighborhood: Orchid Island
Golf and Beach Club
Year built: 2000
Lot size: .53 acre

Home size: 3,312 square feet
Bedrooms: 3

Baths: 4 full baths, 1 half-bath
Pool: Lakefront swimming pool

Additional features: Golf
course and lake views, beauti-
ful landscaping, light, bright
interior, marble floors, Corian
countertops, separate his and

hers baths in owners’ suite,
safe room, located in exclusive

ocean-to-river country club
community

Listing agency:
Alex MacWilliam Inc.

Real Estate
Listing agent:
Jim Knapp, 772-913-0395
Listing price: $1,485,500

Your Vero Beach Newsweekly ™ Vero Beach 32963 / January 21, 2021 71

within easy biking distance to Wa- REAL ESTATE
basso Beach, the Wabasso Disney Re-
sort and historic Jungle Trail, which mainland. A 10-minute drive south
runs through community. From the on A1A takes you into Vero Beach’s
Wabasso/A1A intersection, the 510 storied Village by the Sea, with its
Causeway takes you across the In- excellent shops, restaurants, resorts
dian River Lagoon to U.S. 1 and the and pubs, as well as Riverside Park,
home of Riverside Theatre and the
Vero Museum of Art. 

72 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

REAL ESTATE

Avoiding taxes – legally – on profitable sale of your home

BY ILYCE GLINK AND SAMUEL J. TAMKIN we would jointly sell our house to my soon. I moved to Florida and have accumulated appreciation, and you
The Washington Post wife exclusively and only to her. That been a legal resident here for the last expect your net profits (more on how
way we, as joint owners, would claim two years, but my wife has remained to calculate this in a moment) to ex-
Question: My wife and I own our the $500,000 exemption from capital a resident in the state where our home ceed $500,000.
home jointly. The home has appreci- gains and reset her basis in the house is located. Can this work, and is it 100
ated substantially in the 25 years we to the sales price used in the transac- percent legal? We think most folks would be pret-
have owned it to the point that when tion. Down the line when she sells the ty happy to know that you could sell
we sell, we will net more than $500,000 home, she would be eligible for another Answer: Uh, no. What you want to the home you lived in for the last 25
in profit. That means, we’ll likely owe $250,000 exemption on capital gains. do won’t work and isn’t legal – even years, take a profit of $500,000 and
some tax. though it sounds as if it should be. not pay any taxes on that portion of
Can this be done legally? You should We believe the IRS would frown on the profit. It’s a great deal for home-
Consequently, we are thinking that also know that we need to do this you and your wife selling the home to owners.
yourselves, and even the conveyance
from you of your share of the home to But your profits exceed $500,000, so
your wife shouldn’t qualify as a legiti- in dreaming up ways to avoid paying
mate transaction. taxes on the profit above $500,000,
you’ve imagined that you can sell the
home to your wife. Except that your

For our readers playing along at wife is already an owner of the home.
home, here’s the background: If you She can’t sell her share of the home to
own a home as your primary resi- herself.
dence and have lived in the home as
the owner occupant for two out of the If you can’t do that, you might won-
last five years, the IRS allows you to der about setting up a corporation
avoid paying taxes on up to $500,000 that is wholly owned by your wife:
in profits from the sale if you are mar- You and she would sell the property
ried, or up to $250,000 in profits if you to the corporation that your wife
are single. That’s the general rule in a owns. Ah, but this opens up another
nutshell. It’s a great benefit to home- can of worms. One issue: The corpo-
owners who have owned their homes ration would own the property and
for a long time, and who are lucky the $500,000 exemption wouldn’t be
enough to live in places where real es- available. (By the way, we’re fairly
tate prices have gone up substantially sure that some of our readers have
over the years. tried this, perhaps even successfully.
But we don’t think it passes the “sniff
In your case, you have 25 years of test.”)

Your Vero Beach Newsweekly ™ Vero Beach 32963 / January 21, 2021 73

At best, you could sell your wife REAL ESTATE
your half interest in the home, but it
would seem quite strange to sell your out that the repairs, additions and
half of the home to your wife and improvements you made to the home
have money go from your (presum- over the years adds up to enough that
ably joint) account to her account. it puts you at or even well below the
You would then have to file a tax re- $500,000 profit threshold. And, if
turn showing the sale, but the funds you happen to be above the $500,000
from that sale would effectively have threshold, you will pay taxes at the
gone from the right hand to the left capital gains rate, which might be
hand. as high as 20 percent of the amount
above $500,000 plus you may have to
By the way, the IRS takes the posi- pay the 3.8 percent Medicare tax on
tion that you have nothing to report top of that. Depending on the state in
to the IRS when you transfer your which you live, there may be state tax
share of the home to your wife. We considerations.
have to say that when we first read
your question, what you wanted to do For more details, please consult
seemed more akin to trying to evade your tax adviser. 
paying taxes rather than legitimately
not having to pay taxes. (And, yes,
there is a difference.)

Having said that, only one of you
has to meet the eligibility require-
ments to get the home sale exclusion
so long as you are filing jointly. You
might want to read Publication 523
on the Internal Revenue website: “If
you owned the home for at least 24
months (two years) out of the last five
years leading up to the date of sale
(date of the closing), you meet the
ownership requirement. For a mar-
ried couple filing jointly, only one
spouse has to meet the ownership re-
quirement.”

So, this might mean that you don’t
have to worry about the time you’ve
been living in Florida as a resident.
You certainly can’t take an exclusion
in the home that has appreciated so
much and then turn around and im-
mediately take another exclusion
if you were to sell the Florida home.
But as long as your wife has lived in
the home for two out of the past five
years, you can take the $500,000 ex-
clusion.

One last thing that you should con-
sider is whether your net profits actu-
ally exceed $500,000.

Here’s how you determine your net
profit: You take the costs incurred
when you purchased the home (the
price you paid plus any points) plus
the costs of any additions or home
improvement projects that were
material or structural (renovating a
kitchen, but not buying furniture),
plus the costs of selling the home
(like the broker’s commission). Add
these up and subtract the total from
the sales price.

Publication 523 has a rather com-
plete list of all of the allowable ex-
penses and improvements. For ex-
ample, if you install a lawn sprinkler
system or security system in the
home, those improvements increase
the basis in your home. The same
goes for wall-to-wall carpeting and
new flooring in the home.

With that in mind, you might find

74 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

REAL ESTATE

Mortgage rates spike to highest levels in nearly two months

BY KATHY ORTON (Points are fees paid to a lender equal strong credit scores and large down loan) and applies to all Fannie Mae
The Washington Post to 1 percent of the loan amount and payments. These rates are not avail- and Freddie Mac refinances.
are in addition to the interest rate.) It able to every borrower.
One week after falling to all-time was 2.65 percent two weeks ago and The 15-year fixed-rate average also
lows, mortgage rates rebounded 3.65 percent a year ago. Because the survey is based on moved higher, to 2.23 percent with an
sharply to their highest levels since home purchase mortgages, rates for average 0.7 point. It was 2.16 percent
mid-November. Freddie Mac, the federally char- refinances may be different. This two weeks ago and 3.09 percent a year
tered mortgage investor, aggregates is especially true because the price ago. The five-year adjustable rate av-
According to the latest data released rates from about 80 lenders nation- adjustment for refinance transac- erage grew to 3.12 percent with an av-
last Thursday by Freddie Mac, the 30- wide to come up with weekly na- tions took effect in December. The erage 0.4 point. It was 2.75 percent two
year fixed-rate average climbed to tional average mortgage rates. It uses adjustment is 0.5 percent of the loan weeks ago and 3.39 percent a year ago.
2.79 percent with an average 0.7 point. rates for high-quality borrowers with amount (e.g., it is $1,500 on a $300,000
“Mortgage rates headed higher
(last) week, continuing the strong up-
ward trend that followed last week’s
election results” in the Georgia Sen-
ate race, said Matthew Speakman,
a Zillow economist. “The upward
movements over the past couple
weeks were a long-awaited deviation
from the glacial, downward trend
that rates have followed for the past
few months. Rates have risen in the
past week at their fastest pace since
the spring and recently touched their
highest level since mid-November.”

Robbie Berlingieri from Billero & Billero Properties Recently, Berlingieri spent three Until it fell back last Wednesday,
sells a $4,450,000 home in Jensen Beach Florida weeks with a client viewing the 10-year Treasury yield had been
properties, when Berlingieri showed on a steady climb as fears of rising in-
Robbie Berlingieri him a three-story oceanfront Jensen flation pushed long-term bond yields
Beach residence, the client knew higher. By Tuesday, the yield had
BROKER ASSOCIATE this $4,450,000 property would reached 1.15 percent, the highest it
be his new home. The client’s best has been since March. But then it re-
1021 Beachland Blvd friend Dr. Ben Carson was along for treated to 1.1 percent on last Wednes-
Vero Beach, FL 32963 the tour. day on weakened inflation concerns.
Cell: 772-473-4206 Mortgage rates typically follow the
Email: [email protected] One example of the distinguished same path as the 10-year Treasury
properties he has handled is the yield but have done so less lately.
former estate of famous actress
and singer Frances Langford. Many “After several days of the sharpest
celebrities had made themselves increases in rates in months, Treasury
at home there, including one of and MBS markets should calm,” said
her husbands boat magnate Ralph Dick Lepre, senior loan officer at RPM
Evinrude. Her friends Bob Hope Mortgage. “One-party control of D.C.
and Jackie Gleason also visited so triggered belief that fiscal stimulus
regularly that they had private suites
with their names above the doors.
The Polynesian-themed residence
took a full hour to tour!

Whether you are a buyer or a
seller, Robbie Berlingieri has the
experience to meet your needs, and
he looks forward to accompanying
you on your unique real estate
journey.

Broker Associate Robbie Berlingieri
of Billero & Billero Properties has
lived on the Treasure Coast for 40
years.

He is fluent in both English and
Spanish and has experience with
buyers from all over the globe.
Berlingieri finds it exhilarating to
work with each buyer to find the
home that is the perfect match,
especially when the process
involves taking the client on tours of
properties with fascinating histories
or celebrity connections.

Your Vero Beach Newsweekly ™ Vero Beach 32963 / January 21, 2021 75

REAL ESTATE

would increase and lead to inflation. remained essentially unchanged, conventional credit availability was cally low rates for fixed-rate mortgag-
Once we have a new occupant in the with an increase in government cred- the first in three months and was es. Availability for government loans
White House, the discussion is likely it offset by a decrease in conventional driven by fewer ARM offerings. ARM and jumbo loans [has] increased for
to turn to tax increases to address the credit,” Joel Kan, an MBA economist, loans have increasingly seen a smaller four months and three months in a
deficit. Markets will then ponder the said in a statement. “The decline in share of the market, given the histori- row, respectively.” 
effects of those, and volatility will in-
crease as uncertainty increases. The
next six months will be trying.”

Bankrate.com, which puts out a
weekly mortgage rate trend index,
found that nearly half the experts it
surveyed predicted rates will rise in
the coming week. More than a third
expected them to fall. Elizabeth Rose,
sales manager at AmCap Mortgage
in Dallas, anticipates rates will move
higher.

“Inflation concerns and added
[money] supply are weighing heavily
on the bond market, setting the stage
for higher rates,” she said. “Inflation
is the enemy of mortgage bonds and
added supply doesn’t help matters
any.”

Meanwhile, the dip in mortgage
rates to start the year caused applica-
tions to soar two weeks ago to their
highest level in 10 months.

According to the latest data from
the Mortgage Bankers Association,
the market composite index – a mea-
sure of total loan application vol-
ume – increased 16.7 percent from a
week earlier to its highest level since
March. The purchase index climbed 8
percent from the previous week and
was 10 percent higher than a year ago.
The refinance index jumped 20 per-
cent and was 93 percent higher than
a year ago. The refinance share of
mortgage activity accounted for 74.8
percent of applications.

“The mortgage market got off to a
fast start in the first full week of 2021,
with both applications to refinance
and buy a home solidly increasing on
a weekly and annual basis,” said Bob
Broeksmit, MBA president and chief
executive. “With mortgage rates well
below 3 percent but expected to rise
slowly this year, many homeowners
are acting now.”

The MBA also released its mortgage
credit availability index (MCAI) that
showed credit availability decreased
in December. The MCAI slid 0.1 per-
cent to 122.1 last month. A decrease
in the MCAI indicates lending stan-
dards are tightening, while an in-
crease signals they are loosening.

“Credit availability in December

76 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

REAL ESTATE

Real Estate Sales on the Barrier Island: Jan. 8 to Jan. 14

The red-hot 2020 island real estate market picked up where it left off last week with 14 sales
recorded, including five for more than $2 million.

The top sale of the week was of a new waterfront home in John’s Island. The British Colonial-style
home at 371 Island Creek Dr. was placed on the market April 9, 2019 for $6.75 million. The sale
closed on Jan. 11 for $6.4 million.

Both the seller and the purchaser in the transaction were represented by John’s Island Real Estate.

SINGLE-FAMILY RESIDENCES AND LOTS

SUBDIVISION ADDRESS LISTED ORIGINAL MOST RECENT SOLD SELLING
ASKING PRICE ASKING PRICE PRICE
$4,150,000
$4,300,000 $3,950,000
JOHN’S ISLAND 351 SABAL PALM LANE 5/22/2020 $3,975,000 $4,300,000 1/6/2021 $2,225,000
JOHN’S ISLAND 121 STINGAREE POINT 2/10/2020 $2,400,000 $3,975,000 1/11/2021 $2,050,000
$2,249,000 $1,169,600
JOHN’S ISLAND 455 VILLAGE LANE 2/18/2020 $1,099,000 $2,400,000 1/8/2021 $960,000
$1,199,000 $900,000
ANCHOR THE MOORINGS 222 RUDDER RD 8/21/2020 $995,000 $2,249,000 1/11/2021
$1,250,000
SILVER SANDS 2235 SILVER SANDS CT 12/20/2020 $1,099,000 1/13/2021 $595,000
$267,500
VEROMAR 611 DATE PALM RD 9/8/2020 $995,000 1/8/2021

VERO BEACH ESTATES 765 CYPRESS RD 8/1/2019 $919,000 1/11/2021

TOWNHOMES, VILLAS, CONDOS, MULTIFAMILY AND INVESTMENT

BAY COLONY 1450 OCEAN DR, #1D 6/8/2020 $1,429,000 $1,375,000 1/11/2021
SEAQUAY CONDO 4800 HIGHWAY A1A, #112 11/16/2020 $629,000 $629,000 1/13/2021
PARK SHORES 210 PARK SHORES CIR, #210B 10/7/2020 $288,000 $279,900 1/14/2021

Your Vero Beach Newsweekly ™ Vero Beach 32963 / January 21, 2021 77

REAL ESTATE

Here are some of the top recent barrier island sales.

Subdivision: Anchor The Moorings, Address: 222 Rudder Rd

Listing Date: 8/21/2020
Original Price: $2,249,000
Recent Price: $2,249,000
Sold: 1/11/2021
Selling Price: $2,050,000
Listing Agent: Debbie Bell

Selling Agent: Berkshire Hathaway Florida

Luke Webb

Premier Estate Properties

Subdivision: John’s Island, Address: 121 Stingaree Point

Listing Date: 2/10/2020
Original Price: $3,975,000
Recent Price: $3,975,000
Sold: 1/11/2021
Selling Price: $3,950,000
Listing Agent: John’s Island Real Estate

Selling Agent: John’s Island Real Estate

John’s Island Real Estate

John’s Island Real Estate

Subdivision: John’s Island, Address: 351 Sabal Palm Lane

Listing Date: 5/22/2020
Original Price: $4,300,000
Recent Price: $4,300,000
Sold: 1/6/2021
Selling Price: $4,150,000
Listing Agent: John’s Island Real Estate

Selling Agent: John’s Island Real Estate

John’s Island Real Estate

John’s Island Real Estate

Subdivision: Bay Colony, Address: 1450 Ocean Dr, #1D

Listing Date: 6/8/2020
Original Price: $1,429,000
Recent Price: $1,375,000
Sold: 1/11/2021
Selling Price: $1,250,000
Listing Agent: Rita Curry

Selling Agent: Dale Sorensen Real Estate Inc.

Sallie Brooke

Cliff Norris Real Estate

78 Vero Beach 32963 / January 21, 2021 Your Vero Beach Newsweekly ™

REAL ESTATE

Here are some of the top recent barrier island sales.

Subdivision: Silver Sands, Address: 2235 Silver Sands Ct Subdivision: Vero Beach Estates, Address: 765 Cypress Rd

Listing Date: 12/20/2020 Listing Date: 8/1/2019
Original Price: $1,099,000 Original Price: $995,000
Recent Price: $1,099,000 Recent Price: $919,000
Sold: 1/13/2021 Sold: 1/11/2021
Selling Price: $1,169,600 Selling Price: $900,000
Listing Agent: Sally Daley Listing Agent: Rita Curry

Selling Agent: Daley & Company Real Estate Selling Agent: Dale Sorensen Real Estate Inc.

Debbie Bell Rita Curry

Berkshire Hathaway Florida Dale Sorensen Real Estate Inc.

Subdivision: John’s Island, Address: 455 Village Lane Subdivision: Veromar, Address: 611 Date Palm Rd

Listing Date: 2/18/2020 Listing Date: 9/8/2020
Original Price: $2,400,000 Original Price: $1,199,000
Recent Price: $2,400,000 Recent Price: $995,000
Sold: 1/8/2021 Sold: 1/8/2021
Selling Price: $2,225,000 Selling Price: $960,000
Listing Agent: John’s Island Real Estate Listing Agent: Kathleen Pogany &
Scott Reynolds
Selling Agent: John’s Island Real Estate Selling Agent:
ONE Sotheby’s Int’l Realty
John’s Island Real Estate
Candace Moore
John’s Island Real Estate
Seaglass Real Estate LLC