church of the isles 60 years in indian rocks beach · to organize a church in indian rocks beach....

In the early 1950s, only a few hundred families lived inIndian Rocks Beach, but the area saw the establishmentof three churches that still exist today. The early residentswere definitely church goers. First to be built was StJerome’s Catholic Church (1951), then The Church ofthe Isles (1952) and finally Calvary Episcopal Church(1954). In the Spring of 1952, Mr. & Mrs. George LeVeigne, Mr.& Mrs. George Manning, and Mr. Edwin Whitnel workedto organize a church in Indian Rocks Beach. Since therewere no other churches in the area except for theCatholic St Jerome’s, the new church drew parishionersfrom Belleair Beach to the Redington area.Reverend Philip Ralph, pastor at Madeira Beach’s Churchby the Sea and his son, Robbins, agreed to help get thesmall church started. The first services were held in theAmerican Legion Hut, as it was referred to, at the cornerof Gulf Blvd and 14th Avenue. The church was organizedas part of the Association of Congregational Churches.On the second Sunday in December 1952, only 10residents attended. They were outnumbered by friends ofReverend Ralph’s from Madeira. These first 10 signed thecharter. In January of 1953, Reverend Charles Wicks was hiredas the very first pastor, serving four years until 1957.After WWII, our area had earned the nickname “TheHoliday Isles”, primarily to market the area to tourists.Ida Wicks, Reverend Wicks’ wife, is said to have namedthe church, Church of the Isles, coined from the HolidayIsles nickname.By November of that year, the Church of the Isles had

grown to 92 members and incorporated. They wereoutgrowing the hut and began looking for a new meetingplace. January 1954, only two years after it began, thecongregation moved into the Civic Association Building(soon to be City Hall). At that time, congregations from StJerome’s and the Church of the Isles both held theirservices in the building. Members who joined the churchafter it moved to the auditorium were no longer CharterMembers but were called Pioneer Members.Soon, members started to discuss building their ownpermanent church. A team of 25 couples canvassed thenorth beaches soliciting funds to build a new church. Inone day, they collected over $15,000. Robert Brown, anarea developer creating the fingers and homes in thenorth end of the city and his wife, Laura donated theland between 24th and 25th Avenues, to be the church.By 1955, a small church was under construction on the24th Avenue site. The contractor Gerald Moron also builtthe first alter. Every block and piece of wood was lovinglyhandled by the volunteers who helped him build it. Theirnew church was finally dedicated on March 11, 1956.In 1957, the Reverend Dr. W. J. McCullough, known asDr, Mac, became the pastor. He served for 15 years.Under his watch, membership grew from 200 to over1,000 parishioners. In 1958, with a bequest from Mr Augustus Van Deventer,ground was broken on Pilgrim Hall, the large building tothe west of the chapel. It included a kitchen, auditoriumand second small chapel. By 1960 they were running out of room and decided itwas time to expand again and built the new largersanctuary. Each of the beautiful stained glass windows inthe sanctuary were donated by members with gifts of$1,000 each.The Garden of Memories was dedicatedwith a generous donation from Pastor Dr. McCulloughand his wife in the mid 1960s. This special place on thenortheast side of the church is where late members arerecognized and many choose to spread the ashes of theirloved ones.

November / 2012 ISSUe 40

PRESORTED STDU S POSTAGE

P A I DPermit No. 4008St Petersburg, FL

Or Current Resident

CHURCH OF THE ISLES 60 YEARS IN INDIAN ROCKS BEACH

continued on page 3Story by Bob Griffin, Publisher.

INDIAN ROCKS BEACH NEIGHBORHOOD NEWSLETTER

CITY NUmberSCITY HALL. . . . . . . 595-25171507 Bay Palm Blvd

www.Indian-Rocks-Beach.com

CITY MANAGER - Chuck CowardMAYOR/CITY COMMISSION . 517-0204

MAYOR - R.B. Johnson COMMISSIONERS — Terry Wollin Vice Mayor • Cookie KennedyPhil Hanna • Jim Labadie

City Manager, . . . . . . . . . . . . . 595-2517Chuck Coward

Building Department: . . . . . . . . 517-0404Don Weigner

Planning & Zoning: . . . . . . . . . . 517-0404Danny Taylor, Dir.

Public Services: . . . . . . . . . . . . . 595-6889Dean Scharmen, Dir.

IRB LIBRARY . . . . . . . . . . . . . . 596-1822Next to City HallM-F 10-5pm, Tu-Th 7-8:30pm, Sat 10-1pmIRB HISTORICAL MUSEUM . . . 593-3861Across from the Post OfficeIRB HOMEOWNER ASSOC.. . . 517-3131Becky Griffin, President - IRBHome.com IRB BOAT CLUBBob Griffin . . . . . . . . . . . . . . . . 517-1997BEACH ART CENTER . . . . . . . . 596-4331Next to City Hall, 1515 Bay Palm BlvdPOST OFFICE / IRB. . . . . . . . . . 596-2894204 4th Avenue 33785, Near Crabby Bill’sMon-Fri 8:30A-4:30P; Sat 9A-12:00PIRB ROTARYwww.Indian-Rocks-Rotary.orgMeets at Jimmy Guana's every Wed. 7:15AMBruce Sobut, Past President . . . 403-4060ACTION 2000Eric Meyer . . . . . . . . . . . . . . . . . 744-0123Meets 2nd Monday Each Month Beach Art CtrBEACH FOOD PANTRY . . . . . . 517-25341615 First St. M-W-F 10 am-12 pm

LITTLE LEAGUE . . . . . . . . . . . . 735-4574CHAMBER OF COMMERCE

Gulf Beaches. . . . . . . . . . . . . . 360-6957Clearwater Beach . . . . . . . . . . 447-7600

AA & AL-ANON MEETINGS . . 595-1038ELECTRICITY . . . . . . . . . . . . . . . 443-2641PHONE (Residential) . . . . . 800-483-4000PHONE (Business) . . . . . . . 800-483-5000WATER . . . . . . . . . . . . . . . . . . . 464-4000CABLE (Bright House) . . . . . . . . 329-5020SEWER / IRB . . . . . . . . . . . . . . . 595-6889TRASH / IRB / Pick Up . . . . . . . 595-6889-------------------------------------------------EMERGENCIES: . . . . . . . . . . . . . . . 9-1-1SHERIFF NON-EMERGENCIES 582-6200SHERIFF DISPATCH . . . . . . . . . 582-6177IRB FIRE STATION . . . . . . . . . 595-1117-------------------------------------------------

COUNTY INFORMATION . . . . 464-3000

COMMISSION OFFICES . . . . . 464-3377 Karen Seel . . . . . . . . . . . . . . . 464-3278

STATE:Senator Dennis Jones . . . . 727-549-6411

Republican, District 138940 Seminole Blvd, Seminole [email protected]

Representative Jim Frishe . 727-518-3902 Republican, District 54125 Indian Rocks Rd, Belleair [email protected]

Governor Rick [email protected]

FLORIDA UNITED STATES SENATORS:Marco Rubio . . . . . . . . . . . 202-224-3041

www.Rubio.Senate.govBill Nelson . . . . . . . . . . . . . 202-224-5274

www.BillNelson.Senate.gov

AREA UNITED STATES REPRESENTATIVE:Rep Bill Young . . . . . . . . . . 727-394-6950

9210 113th St, Seminole, FL 33772www.house.gov/young

November

Taste of IRB 3 Daylight Savings Time Ends 4 Presidential General Election 6 Homeowners Happy Hour 8 Veterans Boat Parade 10 Mullet Toss at Red Lion 10 Veteran’s Day 11 Community Clean Up Week 12-14 America Recycles Day 15 Beaujolais Nouveau Day 15 Boat Club Meeting 15 Rib Fest 16-18 Farm City Day Heritage Village 17 Schools Closed Thanksgiving 19-25Turkey Trot Run 22 Thanksgiving 22 Heritage Village Decorated 24-30 Botanical Holiday Lights 24-30 IRB Garage Sale 24-25 Hurricane Season Ends 30 IRB Lighted Holiday Tree 30

DeCember

Post Office Toys for 1IRB Holiday Street Parade 2 Homeowner’s Toy Drive 12Santa’s Photos Century 21 Beggins 12Boat Club Meeting 13Boat Parade Captain’s Meeting 13 Lighted Boat Parade 15Rotary Super Bowl Drawing 16Gift/Plant Sale Botanical Gardens 16Dog Parade Botanical Gardens 16Lighted Boat Parade Indian Shores 23Public School Closed 24-7 Dog Park Permits Expire 31IRB Skate Park Permits Expire 31

CreDITS

© 2012 Griffin Productions, Inc.

CALeNDAr oF LoCAL eveNTS

This newsletter is published by

GRIFFIN PRODUCTIONS, Inc.

and is mailed to every occupied

residence and business in Indian

Rocks Beach We are not officially

associated with the City of Indian

Rocks Beach.

PUbLISHerS

Bob & Becky GriffinResidents of Indian Rocks Beach

ArT DIreCTIoN

Becky Griffin

SALeS

727-517-1997

CoNTACT INFo

P.O. BOX 1314Indian Rocks Beach, FL 33785

517-1997 ~ 517-1998 FAXIRBNewsletter.com

Is there something you would liketo see included in this newsletter?

Please send all comments to

[email protected]

NEXT ISSUE IS JANUARYDo you need another copy of thisnewsletter? Ask for them at USAGrocers or any IRB realtor's office.

This newsletter is printed everyother month and survives onlocal advertising. Please supportthe people advertising here. Ifyou are an IRB resident wantingto advertise, you get a discount.We also offer discounts foradvertising in our other issues,Madeira Beach, Belleair AreaDowntown St. Petersburg andour Clearwater Beach.

To advertise in the nextissue, call us. Read thisor our other issuesonline, atBeachNewsletters.com

2013!Happy

New year


CHURCH OF THE ISLES, continuedWith a $50,000 donation from Mr & Mrs Harrison FGiddes, the ever-expanding church purchased the cornerlot to their north on 25th Avenue to build The Giddes YouthCenter. The building itself cost $3,600 to build. It was a veryactive place for almost 40 years, before the building wasconverted into the Save Our Seconds thrift store in 2009

In 1995, the Church of the Isles purchased the CottinghamSchool just south of them. With a $100,000 donation fromJerry Loiselle and his wife, the COTI Community ChristianSchool opened with VPK (pre-school care). In 2011, it wasexpanded to include grades K-5.

Three charter members of the original church still attendservice; four active members are over 100 years old. Therewill be a special 60th Jubilee Celebration on Sunday,

December 16th at4pm to celebrate thechurch’s anniversary.It will include adinner. Tickets are$25 for adults, $10for children. Thepeople of IndianRocks Beach areinvited to attend.Call the church at595-1038 forreservations andinformation andcome celebrate a church that has been such an importantpart in Indian Rocks Beach and its residents.

“The Reverend McCollough married my wife Kay and I,back in 1964. I was 36 and Kay was only 21. No one inIndian Rocks thought it was going to last. Kay and I kneweach other from morning coffee at Azalea Junior Highwhere we both taught school. Kay dated all the single guyson the staff. When I finally asked her out, we hit it off fromthe beginning. Before the wedding, we were together sixweeks and engaged for three of them.

She had not told her parents anything about me. Herfather’s reaction was “who the hell is Bill Brandon?” Whosays May-September marriages just don’t last? We’ve beenmarried now 48 years. So, Rev. McCollough must havedone a good job.”Bill Brandon (84) former resident, whose family owned theBrandon Pavilion

“I moved to Belleair Beach from Virginia, where I had beena teacher. I had been asked to speak at the CottinghamSchool on 23rd Avenue, where I met Reverend Arnold. Itwas about 1976. Cottingham hired me to teach full time,and I started attending Church of the Isles.

I helped get the Thrift Store Save Your Seconds open. I wasalso part of the “Mary and Martha Aid Group”. Ladieswould meet in Pilgrim Hall to make pads of cloth andnewspapers stitched together for older people in nursinghomes to sit on, sort of like pampers . We later made themfor the SPCA’s dogs. We also made health baskets withtoiletries for the needy and those in nursing homes. Whenmy husband Hugh, died, we spread his ashes in theGarden of Memories at COTI. Some of my son’s ashes arethere, too.” Maisie McPherson (101)

AS WE REMEMBER THE CHURCH OF THE ISLES

Laying the first blocks of Pilgrim Hall.Reverend McCollough is on the right.


GOLF CARTOWNERS RALLY Thefirst IRB Golf CartMeet was a greatsuccess! Fifteen cartslined up at KolbPark, with two ofthem decorated forHalloween. Larry andLinda Gerwig wonthe trophy for BestDecorated Golf Cartand Diane Grahamwon the People’sChoice Trophy. A bigThank You to DarrinMercado for creating the trophies! Join them at the nextone, Wednesday November 28th 6:30 – 8pm, at KolbPark where they will plan their participation in the IRBHoliday Street Parade. If you would like to be in theparade, but can’t be at the meet call 727.424.7760 forinformation.___________________________________________________

HOLIDAY STREET PARADE This year’s parade will beSunday, December 2. Anyone who has a vehicle, trailer,golf cart or bicycle is invited to be in the parade. Theevent stages around Chic-A-Si park and begins at 1pm.Everyone with a small child is invited to City Hall afterthe parade for a visit with Santa. If you’d like to be in theparade, please call City Hall at 595.2517. _________________________________________________

INDIAN ROCKS LIGHTED BOAT PARADE This year’sparade will be 26th Annual IRB Holiday Lighted Boatparade on December 15th. Although last year’s was great,we always want more boats in the parade! To participate,contact Randy Schwab, at the City 595.6889, [email protected]. There will be prize money, but everyboat will receive a great goodie bag full of gifts and areabusiness gift certificates. You do not have to have elaboratedecorations and there is no entrance fee. If you are notparticipating, but having a party instead and want yourguests to see a great Lighted Boat Parade please helpfund the best parade ever by sending a donation - $5...$10... $25... $50... what ever you can afford to theExecutive Committee c/o Joan Johnstone, at City Hall,1507 Bay Palm Blvd, Indian Rocks Beach, FL 33785. Thelarger the prize money, the more boats we can attract. ___________________

THE TIE DYE GIRLNickole Bozemanhas been makingand selling IRB tiedye shirts for littleover a year. You mayhave seen herrecently atOktoberfest, but shemostly sells them tofolks who fall in lovewith the tie dyedshirts she wearsevery day and asks about them. For those who don’twear bright colors, she also sells plain tees with the IRBlogo. She loves to see so many residents wearing hershirts around town! You can reach her via email [email protected], if you want to buy a shirt.

Did You Know....


PET & KID’SSANTA PHOTOSCentury21 Beggins isoffering a Christmaspresent to everyoneagain this year bysponsoring photoswith Santa at theiroffice 1511 GulfBlvd, 4 to 6:30pmDec 12th, just beforethe Homeowner’s ToyDrive. This year’sphotographer will beCity CommissionerPhil Hanna. Bring your kids and pets. Pictures are FREE!Donations of an unwrapped toy or people/pet food forthe Beach Community Food Pantry will be greatlyappreciated._________________________________________________

RECYCLE PHONE BOOKS If you still receive phone books,they are be distributed now. They are 100% recyclable, soplease put your old books in your recycle bins. Better yet, ifyou don’t use them, visit www.YellowPagesOptOut.com andcancel their delivery. ___________________________________________________

NEW DOCKS FINALLY OPEN There are 17 new docksavailable to the public in Indian Rocks Beach. The cityrecently opened these new floating docks as part ofKeegan-Clare Park, just south of the Holiday InnHarborside. The docks are free and open to all boaters,but do not allow overnight stays and have no power.From the docks, you can walk to the many nearbyrestaurants in the business triangle or even to the beach. ___________________________________________________

GARDEN WORKSHOP Heritage Village is offering aVegetable Garden Workshop November 17, 10am tonoon for experienced and wannabe gardeners. This two-hour workshop will feature planting and growing tips, aswell as tips on how to identify and prevent garden pests.Handouts will be provided. The cost is $10 each or $13for two family members; Historical society members are$9 each or $11 for two family members. Advanceregistration is required. Heritage Village is located at11909 125th St., N., Largo. Call 582-2233 to register orvisit www.pinellascounty.org/heritage. ___________________________________________________

UP AND COMING SURFERAfter her picture appeared onGulfster.com catching wavesin IRB, Indian Rocks residentKara Summer Baker, 8 yearsold, was invited to compete inan Atlantic Surf FederationContest in Melbourne inSeptember. Kara trained allsummer on the east coastand here in IRB beforecompeting in the Micro Gromdivision of surfers under ten years old. Kara surprised herparents by winning the first heat and making the finals.Later that afternoon at the assembly, when the winnerswalked down and first place Micro Grom was announced,her Mom and Dad cheered as Kara calmly strolled up totake her first place award. Kara plans on competing in thefuture and has her eye on a contest this month _________________________________________________

OUR NEXT ISSUE IS JANUARY Read this, as well asother issues, online at BeachNewsletters.com.


REALTORS DON’T JUST SELL HOUSES...they BUY, too!

By Gordon Obarski, BrokerAssociateDoiron Realty on the Beach

The tendency is to think of a realestate agent as someone whosells houses--period. In reality,buying is an equally importantpart of the job. Real estatecommission is generally paid bythe seller, so it costs a buyerNOTHING for a realtor to represent them in theirpurchase.

The characteristics of the best real estate professional toassist you in buying a home are not necessarily thesame as those to look for in a selling agent. As a buyer,interview at least two good candidates and look forsomeone who…

PUTS YOU IN CONTROL

One of the biggest reasons buyers are reluctant to use arealtor for their home purchase is the loss of control.Search for someone who respects you as the boss…anindividual who won’t totally run the show but will, by thesame token, be an invaluable “grand facilitator” everystep of the way. He/she should be a well-informedsounding board and offer an objective voice tocounteract the emotions often involved in buyingsomething so personal.

IS ACCESSIBLE AND RESPONSIVE

In Pinellas County, the number of available homes hasdeclined for 20 straight months since the beginning of2011. That is also true in 33785 for the first half of2012, so it’s important to move quickly on a property ofinterest without seeming overly eager. An agent whodoesn’t return phone calls or texts until the next daycould prove costly.

HAS BENEFICIAL RELATIONSHIPS

A realtor facilitating a purchase is only as good as therelationships he/she brings to the table. An agent havingsolid, long-standing business associations withappraisers, inspectors, exterminators, financing sources,title companies, insurance agents, etc. is invaluable. Itwill save you much time and aggravation, especially ifyou’re unfamiliar with the area.

HAS A ROSTER OF HAPPY BUYERS

Pick the realtor who you think will take the time to get toknow you and your likes/dislikes…someone who willenjoy “the hunt” for the right property. Look for an agentwho is rooted in the community and has an impressivelist of happy buyers who just can’t shut up about theirpositive buying experiences.

Buying a home is one of the most important decisionsone makes in a lifetime. Getting assistance from aknowledgeable, well-connected realtor can make thedifference between a purchase you may regret for yearsto come and one you smile about while sipping a colddrink on the porch of your dream home.

Source: My Florida Regional (MFR) MLS

Real Estate News


It is finally Stone Crab season. People in many of our finerestaurants are able to enjoy this delicacy thanks to theefforts of our local fishermen and Frenchy’s SeafoodCompany.

Stone crab season began October 15th. The traps cannotbe placed in the water until October 5th, 10 days aheadof the first harvest. Fishermen can begin pulling the trapsat midnight on October 15th, so that they could be inarea restaurants later that day.

Once the crabs are trapped, only claws 2.75 inches orlonger are allowed to be harvested. It is legal to takeboth claws. The crabs will filter feed until the claws areregenerated in 18 months. Claws cannot be harvestedfrom egg bearing females. Once harvested, the claws areboiled and then divided into three sizes: medium,large and jumbo.

The firm textured meat in the claws of the stonecrabs resembles lobster meat in both appearance andtaste. Fresh stone crab claws should have a mild seabreeze aroma, not a fishy smell. Purchased claws shouldbe kept frozen for up to 6 months. If not frozen, theyshould be eaten within 3-5 days.

Frenchy’s Seafood Company, located in Palm Harbor at3725-B Alternate Hwy 19, opened in 1916 as the OzonaFish Company. It was, and still is, comprised ofindependent crabbers, many of whom have beensupplying Frenchy’s for over 20 years. Their processingplant is the only one solely dedicated to processing stonecrab claws. Their Palm Harbor facility cooks, preparesand ships the fresh claws the same day they arrive. Inaddition to supplying the four Frenchy’s restaurants in

Clearwater Beach, and many other Pinellas restaurants,they sell them to seafood markets, dealers, caterers,supermarkets and other distributors. They even ship tosome of the finest out of state restaurants including NewYork, Chicago and Philadelphia.

The Clearwater Beach Frenchy’s Seafood Company, onEast Shore Drive, is run by Tommy Shook. He has beenwith the company since 1978. “Back then, it was theFerd’s Seafood Company,” says Tommy. “Frenchy boughtit in 1981. Now, he oversees about ten independent crabboats, four out of Clearwater Beach and six out of TarponSprings. There are also eight grouper boats.

“We started pulling them at first light on October 15th.Our claws were in Frenchy’s restaurants that same night.The rest of the area got theirs the next day. The pricevaries greatly based on the catch; it is all supply anddemand,” Shook said.

“Last year was an average season. We do better inshore,in the Intracoastal in the beginning. It gets betteroffshore, later in the season, depending on the weather.This season is starting off looking good to be a goodyear for stone crabs,” Shook continues.

“Crabs do not like clean, clear water and they do notmove around as much in water like that,” Shookexplained. “When the water is stirred up, they movearound and find our traps. They do not like cold watereither. They bury themselves in the mud and hibernate.”

Frenchy’s supply most of the Pinellas area seafoodrestaurants, from casual to upscale. Amazingly, the stonecrabs they catch in the morning may be eaten in NewYork or Chicago restaurants the next day.

TIME FOR SOME STONE CRAB CLAWS


LIBRARY NEWS

CHRISTMAS STORY TIME - The library is holding a StoryTime for children 8 and under on Thursday, December13, at 7pm. Kids are encouraged to wear a santa hat,Christmas shirt, holiday shirt or just come as you are.They will hear Christmas stories and sing holiday songs.There will be prizes, gifts and lots of fun.

ADULT BOOK DISCUSSION GROUP - This new groupat the Library will meet on the second Thursday of eachmonth at 10am. The group will meet January throughMay, with the first meeting on January 10th. Please bringyour suggested book and any information you haveabout it. The group will vote on books to read. The firstselected book will be discussed at the February meeting.

BEACH ART CENTER NEWS“HOME FOR THE HOLIDAYS” The Beach Art Center’sHome for the Holidays Open Holiday Show and Saleoffers artists of the community the opportunity to exhibitand sell their best work from November 30 to December28. Works will be in a variety of media, including oil,acrylic, watercolor, mixed media, ceramic and more. TheNovember 30 reception is open to the public from 6 to8pm and will feature a cookout. Executive DirectorDavid Shankweiler will be smoking chicken wings andattendees are invited to bring a dish.

Artists are invited to exhibit two artworks for $30 (forBAC Non-Members) and $20 (for Members). All worksmust be entered November 26 or 27, be original andappropriately prepared for hanging. Check the Center’swebsite for exhibition guidelines – the Beach Art Centerreserves the right to reject works if they are deemedinappropriate for any reason. The Beach Art Center is a non-profit organization providingstudio art classes and programs for adults and children. Forinformation, call 727-596-4331, email [email protected] orvisit www.beachartcenter.org. The Beach Art Center is locatedat 1515 Bay Palm Boulevard, Indian Rocks Beach.

PLEIN AIREARTIST NEWSThe "Save OurCottages" calendar for2013 is now availableat IRB Library, IRBHistorical Museum,Cafe de Paris, KookyCoconut, IRB WelcomeCenter and the CookieCutter. The groupdonated 50 calendarsto the museum whichis $1,000.00 dollarsworth of calendars. They also gave calendars to theLibrary and to Action 2000 for Octoberfest

The Plein Aire Cottage Artsts, Mary Rose Holmes,Violetta Chandler and Helen Tilston have been selectedas Judges for the outdoor Third Annual Paint & PhotoTarpon Springs Event at Tarpon Springs.

Artists who want to participate in the event, to be heldNovember 7 through 10, with an awards reception onNovember 11 may contact tarponspringspleinair.com

The Plein Aire Cottage Artists art work is always at:Guppy's Restaurant and Villa Gallace.


Reverend James Rapp (Jim) isthe pastor at the Church of theIsles. He was ordained in 1988and he began his residency atthe Church of the Isles inNovember of 2009. Originallyfrom Evansville, Indiana, Jimhas been preaching the gospelfor over 24 years.

Church of the Isles has about175 active members. They comefrom surrounding cities, but

about a third of them live in Indian Rocks Beach. Thechurch is part of the United Church of Christ Churchesacross the United States. Reverend Rapp came to IndianRocks from a United Church of Christ in Brevard County onFlorida’s east coast, where he was a minister for 18 years.

Church of the Isles offers members and citizens a variety ofservices that go beyond religious preaching; AA and Alanonhave used the church as a base for over 39 years. TheTenne Drama Group develops and performs plays and hasbeen doing so for over 10 years. They have a choir, theSave Your Seconds Thrift Store, women’s fellowship groups,the COTI School for K-5, Bible Study Groups and theannual Green Fest. They even have a library manned sincethe 1980s by Alice Taylor, one of the church’s centenarianmembers.

The church created a program called START, where once amonth they hold a health day. They invite people who mayneed a little help get some food and a health screening.

Rev Rapp represents Church of the Isles in a Pinellas County

consortium called FAST. It is comprised of 38 faith basedorganizations that look at the social issues facing familiesand communities today, such as ongoing drug problems.

The church conducts Sunday sunset services on Indian RocksBeach, January through March, where 25th Avenue meetsthe water.

Their oldest member is Maisie McPherson who turned 101October 5th. The youngest member, baby Irie, was born onOctober 4th.

Jim says the number one lesson to learn at The Church ofthe Isle is friendship. “People make their best friends here,”says Reverend Rapp. “The happiest people I know of arepeople who worship with their friends. We are a justiceminded church,” says Jim. “We believe in fairness for all,for people of every religion and every minority. We preachtolerance and understanding.”

“The Church of theIsle stands forFriendship, Justiceand Tolerance,” saysReverend Rapp. Heinvites everyone inIndian Rocks Beachto visit their churchand use any of theirservices.

They are located at200 24th Avenue.Call Reverend Rappat 595-1038.

TODAY’S CHURCH OF THE ISLES AND THE MAN BEHIND IT

NEW NAME Heather Boles,owner of Coaster’s is makingsome changes in herrestaurant at 1309 Gulf Blvd.She has taken on a partner,Marsel Mano, and changedthe name to Sandbar. Thebiggest change besides thename is the new Greekinspired menu. They will alsobe offering daily cocktail andmartini specials. Boles recentlyappeared before the City Commission which is requiredwhen switching the ownership of the alcohol license andthey praised her for her efforts in reducing noise problemsassociated with the small bar. _________________________________________________

TJ’S DONATED TO FOOD PANTRY TJ’s donated $2 tothe Beaches Commuting Food Pantry for every gourmetpizza sold in September. They sold 210 pizzas, so hemade a donation of $420. _______________________

MIKES PIzzA EXPANDSAGAIN Mike’s Pizza onWalsingham Rd. hasexpanded again. They firstopened the small restaurantand bar in November of2010. Then they built theirbeer garden followed bythe free standing Tap Houseout front. Now, they havetaken over the storefront to the east, and expanded theirdining area into a much larger area. During theexpansion, they also enlarged the cooking area to handlethe increased business. Owners Mike, Sal and Jennifer livein Indian Rocks Beach. Happy 2nd Anniversary!_________________________________________________

TASTE OF IRB RETURNS Now in its sixth year, The Tasteof IRB will be presented by the Indian Rocks BeachHomeowners Assn. and the City of Indian Rocks Beachon Saturday, Nov. 3rd, from 4-10 pm in Chic-a-Si Park,behind Crabby Bill’s. 21 restaurants including Guppy's onthe Beach, Slyce Pizza Bar, Red Lion Pub, The Pie Factory,The Pub, Island Fish, Pajano's Pizza, Stefano's Italian,Crabby Bill's, Le Bouchon Bistro, Cafe de Paris, MarlinDarlin, Keegan's Seafood Grille, Tapas Garden & WineBar, IRB Sushi, Delectable Edibles, Kooky Coconut,Coasters Bar & Grille, Havana Harry’s, Donnie’s CoastalCafe and On The Rocks are participating. Bring yourbeach chairs or blankets and spend the evening listeningto live music while you enjoy great food, beer and wine!Admission is Free!________________

FIVE YEARS OLDThe Loading Dockopened as part ofCrabby Bill’s inOctober of 2007.Later, they addedthe outside area tothe north of thebuilding. Happy5th AnniversaryBill, Matt, Pauly and the rest of the Crabby Crew.


Restaurant News....


AS I REMEMBER ITThe Church of the Isles

By Martin Forster. He and his family moved to the beaches,south of today’s Park Blvd Bridge, in 1949. Martin (100), wife,Virgina (96), and daughter Virginia are all Charter Members

When we decided to form the church, we met at Hut,which was what we called the American Legion building inIndian Rocks Beach. The Hut was very plain. It was aclapboard covered wooden building; the windows had noglass, just screens. There was a pot-bellied stove because itcould get cold in there. The area was plain empty backthen. There was nothing much to do. We did not evenhave a police or fire department. My car was a 1942Packard, and Gulf Blvd was unpaved south of theNarrows.

Reverend Ralph started the church and was a very goodpreacher. His son Robin, was also a preacher. They wouldalternate Sundays preaching at The Hut.

Reverend Wicks was our first real minister. Wicks was avery tall man. Attendance swelled in the winter months,when the snowbirds were here. We later moved the churchto the Civic Association Building. The Catholics hadservice, then we met at 11am. We knew all those peopletoo and visited between services.

My wife Virginia, taught Sunday School then, but with norooms it was held in odd places, like the backs ofmembers’ trucks or in a nearby carport.

Once we had the new church built on 24th, I started whatwas known as “the conversational hour”. We had a smallkitchen next to the main sanctuary and I made coffeebefore the service was over. Everyone in the sanctuarycould smell it. We put out coffee, orange juice andcookies. Most people stayed after the service and visited.

Rev William (Bill) McCollough came to us from ClearwaterBeach’s Chapel by the Sea after Wicks left. His wife,Verna, directed the choir. He was a very dynamic speaker.I remember that he had very long fingers and would pointwith one hand and wrap those fingers all the way arounda bible in the other hand. He preached without notes.

When he led the communion, he would hold a perfectlyironed napkin, and say a poem about cleanliness, then hewould ask the congregation, “are your hands clean?” Hehad a gift of getting people to do things and to donatemoney. If there was a need, such as a new organ, hecould get us all to chip in and do it.

Rev Edwin Arnold came to us in 1976 and stayed forabout 10 years. He was a really nice guy from Iowa. Hiswife Lois still lives in the Pinecrest condos in Largo. Edwingot sick, had to retire and then died.

Dr Gary Clark came to us in 1987. He was great and sotheatrical. He would get into the character of the story hewas telling, then tell it from the first person. He would gointo the costume room and come out dressed as thecharacter he was portraying, such as one of the disciples.He led the church for about 8 years.

Christmas was always a big thing. The church and itshallways were decorated with holly leaves. There wasalways a “Christmon Tree” up front to the right of the alterthat was done in white and gold, with all white lights.There was a big party at Christmas.

The church installed six large stained glass windows, paidfor by six members donating $1,000 each. My favoritewindow is the first one showing Christ knocking at thedoor.

GARDENING AND MOREPetal and Vine Gardensopened in Belleair Bluffs, andthough they are primarily aboutique garden shop, it ismore than that. You will alsofind unique food,housewarming gifts, homedécor, unique accessories,jewelry, hats, totes, specialtyplanters, vases, pots and artby local artists. They have“grab and go” lunches, too.Long time friends Patti Quinn and Joy Madden openedthe store off Antique Alley at 596 Indian Rocks Road N.Call them at 614-9770 or visit their Web site atwww.PetalAndVineGarden.com._________________________________________________

HOSPITAL EARNS TOP MEASURES Largo MedicalCenter was named one of the nation’s top performersfor a second consecutive year on key quality measuresfor heart attack, heart failure, pneumonia and surgicalcare by The Joint Commission. Out of 3,300 hospitalssubmitting data, Largo Medical Center is one of only620 hospitals earning the distinction of Top Performeron Key Quality Measures____________________

NUTRITIONCONNECTION A newnutrition and relatedproducts store recentlyopened in BelleairBluffs. The store isowned by StephanieWheeler of BelleairBeach with her parentsCarla and DewayneStaats of Sand Key.While they offersmoothies, they have much more.”We are a one-stopbody shop providing nutrition from the nursery to thenursing home,” says Carla. “We want everyone to livehealthy regardless of what you are into.” Stephanie’shusband is ex-Ray Pitcher Dan Wheeler and Dewayne iscurrently the on-air announcer for the Tampa Bay Rays.Call them at 452-4037 or see their web site atwww.N2-Nutrition.com._____________________

WIRED ISLANDINSTALLS LIGHTINGWhen Action 2000wanted to install lightingon the new palm treesin the narrows, as oneof their beautificationprojects, they askedLance Coraggio ownerof Indian Rocks Beach’sWired Island to come upwith a plan, since his company recently installed lightingin a few of our area parks. They like what they heardand hired him to install the lighting. The installation isalmost finished and was paid for entirely by IRB Action2000. You can reach Wired Island at 596-6030.


Business News....

ROTARY NEWS“SerVICe ON THe rOCKS”

Members ofthe Rotary clubof IRB spent anAugust dayraking debrisout of themangrovesand picking uptrash alongGulf Blvd. inIndian RocksBeach betweenMM 5 to MM28 as part oftheir Adopt-a-Highway

Program. The Rotary club members met early at the Chica Chi Park wearing brightly colored clothing for safety,while carrying rakes, shovels and trash bags. Thiscommunity cleanup project is coordinated every year byMilt Johnson who initiated it six years ago during his2005-2006 Rotary Club presidency. This is one of themany civic minded community programs that the RotaryClub of IRB is involved in.

In September, Bert Valery was awarded the Rotary ClubDistinguished Citizens Award. During the meeting, BertValery presented an overview of the progress of thenationally known Fred Marquis Pinellas Trail. Since theloss of his son in 1983 who was killed on the Bellairecauseway while riding his bicycle home, Bert has tirelesslycampaigned, organized and personally assisted in theimplementation of the countywide efforts to create such alarge project. It is estimated that 90,000 people use thetrail every month, including thousands are children whouse the trail to walk safely to and from school. Bert Valeryserved as a Commissioner for the City of IRB and is afounding member of Action 2000.

NOVEMBER 3rd – The Rotary Team IRB will bicycle at TheRide to defeat ALS (Amyotrophic Lateral Sclerosis or LouGehrig's disease) held at Walsingham Park -12615102nd Ave. N. Largo at 8am. There are three routes tochoose from - a 62, 25 or 5 mile rides. Contact MichaelSchulz, 727-415-7916 if you want to ride. Parkingvolunteers are needed - Call Dan OrRico 727-410-3636.

NOVEMBER 24th & 25th – Rotary Club of IRB is having amulti-Family Yard Sale at 450 20th Ave. in IRB. This is inconjunction with the City Wide Yard Sale and there willbe a variety of items. If you would like to donate items orvolunteer please call 603-387-1188

BUY YOUR RAFFLE TICKETS NOW FOR A CHANCE TOWIN TWO BIG GAME TICKETS! The lucky winner will wintwo Big Game Football tickets along with lodging in theNew Orleans vicinity and $1000 cash. Purchase ticketsonline: http://indian-rocks-rotary.org/fundraisers.html,contact David Kline, 727-418-1673 or stop by our boothat the Taste of IRB. The drawing is Dec.2nd at Beef O’Brady’s, Largo.

The Rotary Club of IRB funds many community andinternational programs. If you are interested, contact theclub at 727-403-4060 or access www.irbrc.com. Weinvite you to attend any Wednesday morning meeting at7:15am, Jimmy Guanas at the Holiday Inn Harbourside,IRB. "Your first breakfast is on us!"


Left to right: Rotary Club of IRB members; TomHafner, Claire English, Gary Polansky, Lynn

Johler, Milt Johnson, Tom Busboom -President, Randy Hendricks


The Church of the Isles has over 180 active members today. Here are a few of them after arecent Sunday morning service.

FROM THE DESK OF SHERIFF BOB GUALTIERIIdentity Theft

Thieves have developed many creativemeans to separate you from yourmoney, your identity or both. Thesetactics may surface on your computer,in the mail, or in any simple dailytransaction. While our EconomicCrimes Unit is here to assist should youbecome a victim, the Sheriff’s Officewould like to take the opportunity tooffer some tips that may help youdetect fraud and keep your identity safe.

Your computer and laptop are prime targets through whichnameless, faceless criminals gain access to your personaland financial information. To reduce vulnerability, updateyour virus protection software regularly; do not downloadfiles from strangers and incorporate firewalls or anti- spywareinto your computer security. Use “strong” passwords versuseasily identifiable ones like names and birthdays of familymembers or your social security number. If you make onlinepurchases, do your homework on the vendor first.

Refrain from providing phone solicitors any personalinformation. Do not provide information to mailsolicitations that promise “free” vacations, miracle “cures”or “free money” if you send in a form. Be suspicious of asweepstakes notice that requires you to pay for winnings.

By stealing your personal information, an identity thief cantap into your bank accounts, run up your credit cards andapply for new ones. They can even take out loans, rent anapartment and establish utility services.

Reduce the likelihood of becoming their target by shreddingfinancial documents, credit card bills or any documents withyour account numbers. Protect your social security number.Don’t give it out unless absolutely necessary. Keep yourpersonal information in a secure place in your home.

Remember that elderly family members and friends areamongst the most vulnerable to those who would gain theirtrust in order to deceive them and take their money. Adviseand assist them on how to safeguard personal information;and be aware of the signs that suggest they may be avictim of elder exploitation or abuse, including suddenchanges in legal documents, suspicious signatures onchecks, and financial changes in the person’s accounts. Youmay notice an increase in “charitable” donations, newinsurance policies or changes in mortgage activity; orperhaps note a change in the elderly person’s habits.

There are additional preventive steps a consumer can taketo secure their finances. Order and review a copy of yourcredit report from www.annualcreditreport.com. This is freeand you will receive reports from all three of the majorcredit bureaus: Equifax 1-800-525-6285; Experian 1-888-397-3742 or TransUnion 1-800-680-7289. Review yourcredit card, telephone, cell phone and banks statements.Contact creditors immediately if you discover discrepancies.

If you become a victim of identity theft, report it to:Federal Trade Commission - 877-IDTHEFT / www.ftc.govSocial Security Administration - 800-772-1213 / www.ssa.gov Report it to your local law enforcement agency.

Other helpful websites:National Center on Elder Abuse - www.ncea.aoa.govNational Committee for the Prevention of Elder Abuse -

www.PreventElderAbuse.orgU.S. Secret Service - www.ustreas.go/usssU.S. Postal Inspectors - www.usps.com/postalinspectors



LARRY TORGERSON, TIRELESS VOLUNTEERIn October, our city lost awonderfully civic minded man,Larry Torgerson. He was one ofthe founding members ofAction 2000, a Board Memberof the Indian Rocks BeachHomeowners Association, aBoard Member of the Beach ArtCenter, a member of Friends ofthe Library and for years was anintegral part of the City’sExecutive "Steering" Committee.Larry volunteered whenever &where ever he was able; alsobeing recognized by his signature "Rayburn" dark glasses.

In 1970, when living in Las Vegas, Larry and his wifeKate came to Florida on vacation and loved it. Theyloved the water, the fishing, boating and sunshine. Theysold everything and moved to Florida, where they boughta home in Seminole. They quickly discovered IndianRocks and moved here. It has been their home base forover 30 years.

In 2004, Larry and Kate were chosen to be GrandMarshalls for the city’s Holiday Street Parade. They wereselected because of their untiring volunteerism to the Cityof Indian Rocks Beach.

Here are just a few of the many things people told uswhen we asked them about Larry:

“Larry attended the Executive Board as a representativeof Action 2000. He volunteered and worked behind thescenes to help setup the Haunted House, Beauty and theBeach and our 50th Anniversary Party. Larry could alwaysbe depended upon to pitch in when needed. He will bemissed by all who had the pleasure of knowing him, “said city employee Joan Johnstone.

“Larry worked with every group in town helping with anyproject or event, including the Library. His wife Kate is oneof our weekly Library volunteers and Larry would help withour annual meetings as well as the Christmas Lunch. Healso helped us with our annual book sales that we used tohave. Larry was a great guy that will be greatly missed. Ourprayers and blessings to his wonderful wife, Kate,“ saidJean Scott, former City Commissioner and Past President ofthe Friends of the Library.

“My relationship with Larry & Kate goes back to 2001. Iwas interested in getting involved with a city organizationand met Larry at my first Action 2000 meeting. Larry gaveme a fine sales pitch on how wonderful the people in A2Kare and all the good things they do for the city. The firstproject we work on together was counting the newspaperracks on Gulf Blvd. A2K spearheaded the removal of theracks, making Gulf Blvd. less cluttered. Boy, Larry hatedthose racks! Larry was always ready to volunteer and getvolunteers for Oktoberfest. Larry had connections!! Itsaddens me that another Warrior has passed. God BlessLarry Torgenson,” stated Jim Labadie, City Commissionerand Past President of Action 2000.

“Larry was the best friend you could have. I don't believemost knew how many successful and accomplishedoccupations, careers, skills and travels he and Kate hadover the years. After all his travels, he claimed IRB was hisfavorite place. Always candid and positive, he was a friendand supporter of IRB. I will miss him greatly” said BillOckunzzi, former Mayor of Indian Rocks Beach.


IRB BOAT CLUBMore than 80 members on 17 boats gathered tocelebrate the end of a fun boating season at theirannual End of Summer Island Party. They enjoyed greatweather, good food, a wonderful sunset andlive music by the Peter Hill Band!

The Club was once again proud to bepart of the Clearwater Super BoatRaces. Members of the club helped topatrol the water for safety.

MEETINGS - They meet at JimmyGuana’s (Holiday Inn Harborside) on thethird Thursday of the month.

See the complete list of Boat Club events, pictures andmore at IRBHome.com or follow us onFacebook.com/IRBhomeowners.

Call Bob Griffin at 517-1997 or [email protected].

PEST CONTROL TIMEDo you know what Fall and Rodents have in common?They both have a season and their season is NOW !!Rodent's are domestic animal's and carriers of diseases.They also carry lice, fleas and mites which can spreadbacteria. Sanitation is the # 1 success for reducingrodent population, including elimination of debrisaround buildings, grass ,weeds and other vegetationshould be kept clean and kept away from buildings.Don't want unwanted guest? Don't be bugged!! CallIsland Pest Control Services, 596-7715.

POSTAL TOYS FOR TOTS DRIVEThe Post Office’s annual Toys for Tots drive will beSaturday December 1st. Leave a new unwrapped toy byyour mailbox and they will pick it up while doing theregular mail delivery. The toys will be distributed to needyfamilies through the Marine Corp’s Toy For Tots Toy Drive.

CHRISTMAS UNDER THE OAKSThe 36th Annual Christmas Under The Oaks, a largepre-Christmas Arts and Crafts Show held in CoachmanPark, is Sunday, November 11. Presented by the GFWCJunior Woman’s Club, it is an excellent opportunity tobuy handmade gifts and crafts for the upcoming holidayshopping season in a beautiful waterfront setting. Everydollar raised goes back into the community. The eventhours are from 9am to 4pm.

The Junior Woman’s Club is a non-profit volunteercommunity service organization dedicated to thebetterment of local community. Get more information atwww.Bluffs .org


INDIAN ROCKS BEACHHOMEOWNERS

ASSOCIATION NEWS2012 HAPPY HOURS Homeowners Happy Hours continue atthe following restaurants:

Nov 8: Mikes Pizza Dec 12: Century 21 BegginsThese FREE Happy Hours are 6-7:30 pm the secondThursday of the month. Visit IRBhome.com for info.

POKER RUN BAR CRAWL A GREAT SUCCESS Morethan 300 people turned out again this year for the PokerRun, sponsored by Plumlee Realty. In conjunction with theevent, the HOA raffled a Beach Bike donated by IRBCycles and the winner was IRB’s Tom Burns. This year’sproceeds are being split between the Beach CommunityFood Pantry and the Morton Plant Foundation’s uninsuredpatient Mammogram Voucher Program. Each organizationwill receive $1400. It was a great day in IRB and while wewere having so much fun, we were raising money to helpthose less fortunate. It doesn’t get much better!

TASTE OF IRB Now in its Sixth year, this annual foodevent sponsored by Century21 Beggins, will be heldNovember 3rd. 21 local restaurants are offering theirspecialities, while you listen to the live music of EspreedeKor. Second Street between the park and the Holiday Innwill be closed to traffic to make it bigger, better and lesscrowded and allow for more room for non-food vendors.The Homeowners Association will be selling beer,sponsored by Crabby Bills, and wine sponsored by SlycePizza Bar. The Community Food Pantry from the CalvaryEpiscopal Church will be selling water and soft drinks,donated by the Homeowners Association, with all proceedsgoing to the food pantry. Once again they are raffling over$600 in participating restaurant gift certificates.

HOLIDAY TOY DRIVE Get in the spirit of the season byenjoying great evening holiday cheer with friends andneighbors, Wednesday September 12th. Those whoattended last year know that Century 21 Beggins goes allout for this event including food and live music at theiroffices. Beer and wine will be available for a donation. Thetoys will be going to Grace House, a shelter for homelessfamilies. Please bring an unwrapped toy to add to thecollection. Grace House has asked that we remember the11-17 year olds who don’t receive as many gifts. TheHomeowners will be donating $500 in Wal-mart gift cards.

HOLIDAY DONATIONS The Homeowner’s Association willbe donating $2000 to the Beach Community Food Pantryto help needy families have a holiday dinner. They are alsodonating $1500 to the IRB Holiday Lighted Boat Parade.

HOLIDAY PARADE The Homeowner Association will beriding bicycles in the holiday street parade again. Everyoneis welcome. Meet at the Chic-a-Si park at 12:30 to line up,or you jump in when we pass your house.

FOLLOW US ON FACEBOOK get all the news, photos,see what your neighbors have to say, find out about eventsat Facebook.com/IRBHomeowners or www.IRBhome.com.


GIFT BOXES FOR OUR TROOPSFrank Edwards, his wife Erin and their three kids Elle, Elinand Trevor live on 18th Avenue. They moved there a yearago after Frank finished his second tour in Afghanistan as aUS Marine. He also served in Iraq.

When it comes to gift boxes, Frank knows what a soldier inthe field needs. The military supplies them with the basics:uniforms, boots, food, water, weapons and ammo. Whatthey provide though is basic food - MRE’s (Meals Ready ToEat). It is food in small cans. Open them and eat. “You getthe same food every day,” Edwards says. “It’s like eating atthe same restaurant every day.”

The USO does a good job of supplying Care Packagescontaining other non-essentials, such as, soap, toothbrushes, toothpaste, razors, baby wipes, tissues andtoiletries. But while the Care Packages are nice, they do notgo far in giving the soldiers comfort and a taste of home.

“Some of us received gift boxes from our relatives,communities, churches and families,” Edwards said.“Sometimes a box was sent to a specific unit or platoon witha note that asking us to share this with everyone.”

Items Frank says they wanted and liked, but were not innormal care packages were: Tobacco, chewing tobaccoand even nicotine gum, for those trying to quit. Thegovernment does not supply any of that. They also wantbeef jerky, deodorant and Q-tips - there is a lot of sandover there.

Coffee is great, especially small single, serving packages.Magazines, such as People and Entertainment help keep theguys in touch with what is going on back home. They enjoyknowing about new movies and music and it helps themfeel connected to home. They like men’s magazines, like

GQ too. They don’thave a lot to do intheir off time, but workout, and like receivingprotein powders fordrinks. Chewing gumis also very popular.

Cheap sunglasses,watches, stuffed toysand little balls makegreat gifts for the localpeople. “When wewalked into a village,we liked to havesomething to give theleaders. If we givetheir children a gift,they start to like us and may help us in our mission. It helpsus build rapport with the community.”

What is not needed - chapstick, sunscreen and bug spray.They get plenty of that from other sources

If you want to mail a gift package to the troops, get aPriority Box from the local post office and address it to aspecific person, unit or other group. There is no weightrestriction. You can send as much as the box will hold. Thepost office discounts the boxes when sent to the troops by$2, but it will still cost you $14.

The IRB Homeowners Association recently mailed 6 boxes toindividual soldiers who had a connection with Indian Rocks.They spent $100 per box on some of the products listedabove. They also included a letter, signed copy of IRBresident Victor Wood’s book “One Brown Shoe” and agroup photo taken at a recent event.


BENEFITS OF AN IRABy: Noelle Daniel, CFP®

Have you forgotten your IRA? If you don't have one,should it be part of your overall investment plan? Here aresome compelling reasons why this vehicle can help youplan for your future.

1. Tax deferral: Traditional IRAs allow your investmentearnings to grow tax deferred until withdrawn, typically atretirement. For 2012, the maximum contribution is$5,000, but for age 50 and over, the limit is $6,000.

2. Deductibility: If you are a single taxpayer who doesn'tparticipate in an employer-sponsored plan and you earnless than an amount set each year by the IRS, you candeduct your contributions to a traditional IRA off yourincome taxes. Roth IRA contributions are not deductible.

3. Investment flexibility: IRAs typically give investors accessto a wider range of investment options than workplace-sponsored plans such as a 401(k). You can invest in abroad array of mutual funds, ETFs, individual stocks andbonds, CDs, annuities, even commodities and real estate.

4. Convertibility: Traditional IRA holders can convert to aRoth IRA to enjoy some of the additional benefits listedbelow. But before you decide make a switch, be sure toinvestigate the tax consequences of such a move.

5. Portability: If you have assets in an employer-sponsoredplan and you leave your job, you can easily roll over thoseassets into an IRA. Rolling over your assets can makesense particularly if you change jobs frequently and don'twant to devote too much time to coordinating andtracking your accounts.

Additional Benefits of Roth IRAs

• Qualified tax-free withdrawals: Since Roth IRAs arefunded with after-tax dollars, your withdrawals are taxfree, as long as you have held the account for at least fiveyears and are over age 59 1/2.

• No RMDs: Unlike traditional IRAs, Roth IRAs are notsubject to required minimum distributions (RMDs) once theaccount holder reaches age 70 1/2.

Contact my office, Noelle Daniel Wealth Management, at727-408-5209 to discuss a strategy for your IRA or to seeif investing in an IRA makes sense for you. We are locatedat 1201 Gulf Blvd. Suite 101 Indian Rocks Beach or visitour website for more informationwww.ndwealthmanagement.com. Withdrawals made priorto age 59 ½ are subject to 10% IRS penalty tax. (In thecase of a Roth, it must be held five years as well.) Gainsfrom tax-deferred investments are taxable as ordinaryincome upon withdrawal.

This information is not intended to be a substitute forspecific individualized tax advice. We suggest you discussyour specific tax issues with a qualified tax advisor.

Securities offered through LPL Financial, Member FINRA/SIPC© 2012 S&P Capital IQ Financial Communications. All rightsreserved.

A MESSAGE FROM THE FOOD PANTRYVisit us at the Taste of IRB Saturday November 3 inChic-a-Si Park from 4 - 10pm. We are selling sodasand water that have been donated by the HomeownersAssociation. All the profit goes to the Food Pantry. If youcan help set up or staff the booth, please call ChuckPond 595-7464.

This is a very important fundraiser for our BeachCommunity Food Pantry. Many food donations end upwith late expiration dates. This is money, so we can buyexactly what we need at a discounted price. Please, helpus help others by stopping by our booth.


GOLF CARTS IN INDIAN ROCKSHave you noticed anincrease in the number ofgolf carts in IRB?

A few years ago, the CityCommission passed anordinance allowing golfcarts on CITY streets.Unfortunately, the City doesnot own all the streets inour city. Gulf Blvd north ofWalsingham Rd is ownedby the county. Gulf Blvdsouth of Walsingham Rd isowned by the State (DOT).Neither have approved golf carts on their roads.

Golf carts on roadways in Florida are governed by FloridaStatute 316.212. Each city must pass their own ordinanceallowing the use of golf carts on their own roadways.Below is a brief summary of rule governing Golf Carts inIndian Rocks Beach (See Article III, Section 62-40).

PROPERLY EQUIPPED: Golf carts properly equipped maytravel on or across the public roads or streets within theboundaries prescribed in the section below, consideringfactors including the speed, volume, and character ofmotor vehicle traffic using these roads and streets.

REQUIRED EQUIPMENT: A golf cart shall includeheadlamps, stop lamps, turn signal lamps, tail lamps,reflex reflectors, parking brakes, a rearview mirror, awindshield and standard seat belts for all passengers.

VALID DRIVER’S LICENSE: The golf cart operator mustpossess a valid driver’s license.

DESIGNATED AREAS: The designated areas in IRBencompassed by this ordinance are the municipal streetsof the city and the following Gulf Blvd intersections: 8th,12th, 15th, 16th, 17th, 18th, 19th, 20th, 21st, 22nd,23rd, 24th, 25th, 26th and 27th.

MINIMUM SPEED: The golf carts or use under thisordinance are incapable of exceeding 20 MPH.

HOURS OF OPERATION: Golf carts may operate 24hours a day.

PENALTIES: A violation of these rules is a non-criminalviolation pursuant FS 316.212 and is punishable as anon-moving violation.

TERRITORY EMBRACED: These rules shall apply only to thedesignated municipal-owned streets and Gulf Blvdintersections identified above.

NO TRAVEL ON GULF BLVD: No golf cart travel shall beallowed along Gulf Blvd or on any sidewalks.

For information on these rules, please contact the City ofIndian Rocks Beach, or any Sheriff patrolling the city.

CALVARY EPISCOPAL NEWSSunday, November 18, 4pm they will present the FlexibleFour barbershop quartet singing a program of patrioticmusic and favorite American songs. Sunday, December 2 at 4pm they will present members ofthe Seminole High School Warhawk Band in concert. TheBand has won numerous state and national awards andwill march in the 2013 Pasadena Tournament of RosesParade. The church is located at 1615 First Street, Indian Rocks Beach.For information visit www.calvaryirb.org or call 595-2374.


THE BEACH COMMUNITY FOODPANTRY NEEDS YOUR HELP!

The Holiday Season is fast approaching. Our thoughtsdrift toward the traditional dishes we will soon preparefor friends and family. While we compose extensivegrocery lists, others in our community wonder if they willeven have food to put on their tables. The BeachCommunity Food Pantry needs your help!

Thanksgiving is America’s holiday that is celebrated eachyear on the fourth Thursday in November. PresidentLincoln proclaimed it a National Holiday in 1863. Thefirst Thanksgiving dinner took place in 1621. Squanto,the Wampagoan Indian, had taught the pilgrims how togrow food to survive after they arrived at Plymouth Rockin 1620. The following autumn a three-day feast washeld and attended by ninety Native Americans and fifty-two pilgrims. The menu included wild fowl, fish, shellfish,dried fruits, vegetables (including cooked pumpkin),beans, squash, and dried maize.

As we give thanks for our own bountiful harvest thisHoliday Season, let us remember those less fortunate.The Beach Community Food Pantry stands up to thechallenge of feeding those in need in our area, but sadlywe can’t do it without your help. The numbers of thosewe feed are climbing to new heights each month. Wewould appreciate your donations of money, food, and/ortime to help the pantry. This Holiday Season, let’s givefreely from the heart so others may be thankful for theharvest on their tables. The Beach Community FoodPantry is open Monday, Wednesday, and Friday from10AM through Noon. The Panty is located at 1616 1stSt, Indian Rocks Beach.

GARAGE SALE SEASON

During November many ofthe area cities are having theirannual city-wide garage sales.Upcoming November salesnearby include: 3rd: Belleair Beach 10th: Belleair Bluffs11th: Antique Alley Fall Sale, 24th & 25th: Indian Rocks

IRB HOLIDAY EVENTSTree Lighting - Friday, November 30th at 7pm is the officialHoliday Tree Lighting at the park on Gulf Blvd. across fromUSA Grocers. There will be hot chocolate, cookies andpopcorn served during the evening.

Holiday Street Parade - It will be Sunday, December 2th.The parade lines up at 12:30 and leaves the Chic-A-SiPark area at 1 pm. The parade will be followed by theChildren's Party with Santa in the City Auditorium. The cityis asking residents to help with the food for the children'sparty. If you would like to donate, please bring your tray offinger sandwiches, cookies, cupcakes, etc. to the cityauditorium, at 12 noon on Sunday.

Holiday Toy Drive - The Homeowners Association will beconducting their annual toy drive, September 12th atCentury21 Beggins offices. Enjoy appetizers, beer & winewhile you listen to live music. Please bring an unwrappedtoy to donate.


ACTION2000

NEWS

OKTOBERFEST ON THE BEACH A HUGE SUCCESSThousands of people of all ages came to Indian RocksBeach to enjoy our 11th annual Oktoberfest on the Beach.

Kinderfest had bounce houses,long time favorite Waki theClown, face painting andmuch more for the children toenjoy from 11-2pm. We thankCommissioner Terry Wollinwho helps every year tocoordinate this part ofOktoberfest for us.

OUR SPECIAL THANKS TOSLYCE PIZZA BAR OUR KINDERFEST SPONSOR

After Kinderfest - Let The Games Begin. . . and they did!Stein carrying, wife carrying, and Keg throwing competitionhave been popular and a local favorite for years.

We depend on businesses to support our event each year.We thank all of the business and event sponsors that madeit possible. A new member of Action 2000, Dona Skinnerchaired our sponsorship committee, and we thank her forgetting involved and making a difference.

PLEASE THANK AND SUPPORT OUR EVENT SPONSORSFOR THEIR GENEROUS SUPPORT

HOMEBANC - TAMPA BAY NEWSPAPERS - CRABBY BILL'S

It wouldn't be Oktoberfestwithout the all the vendorsserving a variety of foods,and displaying great itemsfor sale. Thanks to twovery dedicated, and hardworking Action 2000Board Members Ron andRebecca Sacra, all ourspots were filled and therewas a waiting list for thosewanting to participate.

Our Silent Auction with over $23,000 in merchandise isalways buzzing the day of event. Action 2000 Secretary, JoNocera worked for months collecting an enormous displayof items donated by community members. We can't thankher enough for her time, energy and commitment.

A sincere thank you to all the participants and volunteersplus our Co-Sponsors Rotary Club of IRB and the City ofIndian Rocks. A special thank you to our A2K members,Rebecca Sacra and Diane Flagg who Co-Chaired thisevent. The monies we raised will do great things for ourCity and we are all very proud of this accomplishment.

Action 2000 needs volunteers and members of thecommunity both businesses and residents to be involved,support our organization so we can continue ourbeautification projects. If you are interested in learningmore, join us the second Monday of each month at6:30pm at the Beach Art Center,.

Thank you and wishing all a safe and Happy HolidaySeason! Eric Meyer, President Action 2000727-744-0123 www.irbaction2000.com.

church of the isles 60 years in indian rocks beach · to organize a church in indian rocks beach....

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