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	<title>EpiphanyDigest &#187; Florida</title>
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		<title>Rev. Jack C. Carroll, USMC Ret.</title>
		<link>http://www.epiphanydigest.com/2010/01/27/rev-jack-c-carroll-usmc-ret/</link>
		<comments>http://www.epiphanydigest.com/2010/01/27/rev-jack-c-carroll-usmc-ret/#comments</comments>
		<pubDate>Wed, 27 Jan 2010 18:51:39 +0000</pubDate>
		<dc:creator>David G. Johnson</dc:creator>
				<category><![CDATA[Personal Note]]></category>
		<category><![CDATA[Bradenton]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Freedom]]></category>
		<category><![CDATA[Jack C. Carroll]]></category>
		<category><![CDATA[Jack Carroll Bradenton]]></category>
		<category><![CDATA[Rev. Jack Carroll]]></category>
		<category><![CDATA[Sarasota]]></category>
		<category><![CDATA[USMC]]></category>

		<guid isPermaLink="false">http://www.epiphanydigest.com/?p=322</guid>
		<description><![CDATA[Yesterday morning, my Grandfather, Rev. Jack C. Carroll, quietly slipped away. He was completely at peace, confident about his eternal future, and having lived a full and complete life. He was in no pain, and from what the folks who were caring for him said, he simply went to sleep.
But far more interesting and important [...]]]></description>
			<content:encoded><![CDATA[<div id="attachment_323" class="wp-caption alignleft" style="width: 310px"><img class="size-medium wp-image-323" title="jack-c-carroll" src="http://www.epiphanydigest.com/wp-content/uploads/2010/01/jack-c-carroll-300x284.jpg" alt="Rev. Jack C. Carroll" width="300" height="284" /><p class="wp-caption-text">Rev. Jack C. Carroll<br />January 31, 1921 - January 26, 2010</p></div>
<p>Yesterday morning, my Grandfather, Rev. Jack C. Carroll, quietly slipped away. He was completely at peace, confident about his eternal future, and having lived a full and complete life. He was in no pain, and from what the folks who were caring for him said, he simply went to sleep.</p>
<p>But far more interesting and important than how his life ended are the many things that filled it. You see, &#8220;Pa-Po&#8221; (as my brother and the other grandchildren and I knew him) was a man who experienced much and loved much. And through everything, he was a passionately principled and devoted man who set a very high bar for what real manhood is all about.</p>
<p>Many knew him as the preacher who cared for and spoke into the lives of so many people across Oklahoma, Colorado and &#8212; long after &#8220;retirement&#8221; &#8212; Florida. Some knew him as the Pearl Harbor survivor who fought for the Freedoms that were so precious and valuable for him. As a U.S. Marine, he continued his service through the end of World War II, fighting for the all-important islands in the South Pacific that were so crucial to the outcome of the Japanese conflict.</p>
<p>I knew him as the fun, thoughtful, generous, and studious Grandfather who impacted my life in more ways than I can count. On visits to their home as a young boy, I watched the habit of morning prayer that he and my Grandmother (&#8220;Mow-Wow&#8221; &#8212; don&#8217;t ask me: my brother named them before I was born) engaged in every single day. They read the Scriptures together and prayed for us &#8212; their children, grandchildren, and later great-grandchildren &#8212; by name.</p>
<p>With Pa-Po, the Word of God and prayer were not merely the <em>accoutrements</em> of his profession. Of all that I received from him, the legacy of his authentic relationship with God is most significant and meaningful to me. I often think of him and I realize that so many of the blessings in my life today are the fruit of his decades-long, consistent daily walk. First ordained under the Christian &amp; Missionary Alliance, he became a Southern Baptist minister and began pastoring in the 1940s. He moved his young family all over the great state of Oklahoma, pastoring churches in cities like Ada, Shawnee, and ultimately: Blackwell. It&#8217;s Blackwell that I appreciate so much because it was there that his daughter, Ann, met my father when they were 14.</p>
<p>From Oklahoma, he and Mow-Wow eventually relocated to Denver, Colorado, where they took up residence in Littleton. Some of my fondest memories from childhood are from visits to their house there, where Pa-Po and I laughed and played Uno® together on the porch. On Sundays, we always were in church, where I heard and watched him preach with passion and conviction &#8212; always struggling to help people and impact their lives for eternity.</p>
<p>In January, 1986, my parents and my brother and I made the trek from Houston to Denver to surprise Pa-Po as he &#8220;retired.&#8221; I remember many things from that trip &#8212; notably, that I was in the basement of their home watching TV when Dan Rather interrupted to announce the destruction of the Challenger &#8212; but what struck me most was the sheer number of people who expressed such genuine heartfelt gratitude to him for his career serving people. What an impact it had on me to see how he had poured his life out for others.</p>
<p>Of course, for him, &#8220;retirement&#8221; simply meant giving up his comfortable salary at a decent-sized church so he could continue pastoring smaller ones for nearly 2 more decades. Thankfully, in 1998 he and Mow-Wow moved to Bradenton, Florida where he began pastoring yet again. For him, fruitfulness in life was more important than leisure.</p>
<p>There is much to be said about Pa-Po, and I appreciate the opportunity to be a bit indulgent here as I talk about him. His wife, Erma, along with his 3 children &#8212; Ann Johnson, Steve Carroll, and Jane York &#8212; and their children and grandchildren all miss him sorely.</p>
<p><strong>A funeral service celebrating the life of Jack C. Carroll</strong> will be held on Friday, January 29, 2010 at West Bradenton Baptist Church, 1305 43rd Street West, Bradenton, FL 34209. A public viewing will be held at 10am, with the service beginning at 11am. He will be interred at 2pm at Sarasota National Cemetary.</p>
<p>I miss you, Pa-Po.</p>
<p><small>Special thanks to Grant Jefferies for taking fabulous photos and generously releasing them to the family. Thanks also to Rachel York for Photoshop help.</small></p>



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	Tags: <a href="http://www.epiphanydigest.com/tag/bradenton/" title="Bradenton" rel="tag">Bradenton</a>, <a href="http://www.epiphanydigest.com/tag/florida/" title="Florida" rel="tag">Florida</a>, <a href="http://www.epiphanydigest.com/tag/freedom/" title="Freedom" rel="tag">Freedom</a>, <a href="http://www.epiphanydigest.com/tag/jack-c-carroll/" title="Jack C. Carroll" rel="tag">Jack C. Carroll</a>, <a href="http://www.epiphanydigest.com/tag/jack-carroll-bradenton/" title="Jack Carroll Bradenton" rel="tag">Jack Carroll Bradenton</a>, <a href="http://www.epiphanydigest.com/tag/rev-jack-carroll/" title="Rev. Jack Carroll" rel="tag">Rev. Jack Carroll</a>, <a href="http://www.epiphanydigest.com/tag/sarasota/" title="Sarasota" rel="tag">Sarasota</a>, <a href="http://www.epiphanydigest.com/tag/usmc/" title="USMC" rel="tag">USMC</a>

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		<title>Life Insurance in the Internet Era</title>
		<link>http://www.epiphanydigest.com/2009/11/19/life-insurance-in-the-internet-era/</link>
		<comments>http://www.epiphanydigest.com/2009/11/19/life-insurance-in-the-internet-era/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 16:21:13 +0000</pubDate>
		<dc:creator>David G. Johnson</dc:creator>
				<category><![CDATA[Personal Note]]></category>
		<category><![CDATA[Recommended]]></category>
		<category><![CDATA[buying insurance online]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Michael Fry]]></category>
		<category><![CDATA[online life insurance]]></category>
		<category><![CDATA[term life insurance]]></category>
		<category><![CDATA[TermDog.com]]></category>

		<guid isPermaLink="false">http://www.epiphanydigest.com/?p=315</guid>
		<description><![CDATA[A few months ago, as my wife and I were reviewing some of that &#8220;important&#8221; stuff, we realized that it was time to update my life insurance coverage. Based upon our current situation and our changing needs over the last few years, I needed to ditch the policies we had and pick up some new [...]]]></description>
			<content:encoded><![CDATA[<p>A few months ago, as my wife and I were reviewing some of that &#8220;important&#8221; stuff, we realized that it was time to update my life insurance coverage. Based upon our current situation and our changing needs over the last few years, I needed to ditch the policies we had and pick up some new term coverage.</p>
<p>Now&#8230; I&#8217;ve heard the radio ads from the &#8220;big guys&#8221; promoting their websites&#8230; and I&#8217;ve also done some price comparison. And even though I wanted to handle the transaction online (as much as possible), there&#8217;s something reassuring about knowing that there&#8217;s a real agent on the other end of the website that you can get on the phone if you need to talk. My <a title="term life insurance" href="http://www.termdog.com/2009/09/22/insurance-agent-from-termdogcom-shares-insider-tips-to-saving-money-on-term-life-insurance/" target="_blank">term life insurance</a> is probably not the last thing I&#8217;ll need from an independent agent, so building a relationship (much like the old-school hometown insurance agent we all grew up knowing) seemed like a good idea. But I still wanted the convenience of instant online quotes and a transaction that didn&#8217;t eat up huge amounts of my time.</p>
<div id="attachment_318" class="wp-caption alignright" style="width: 310px"><a href="http://termdog.com"><img class="size-medium wp-image-318" title="term-life-insurance" src="http://www.epiphanydigest.com/wp-content/uploads/2009/11/term-life-insurance-300x107.gif" alt="TermDog.com - the website I used" width="300" height="107" /></a><p class="wp-caption-text">TermDog.com - the website I used</p></div>
<p>For all of those reasons, I chose to go with <a title="Online life insurance" href="http://termdog.com" target="_blank">TermDog.com</a>. Even though they&#8217;re not based here in Florida (HQ is in Naperville, IL), TermDog is licensed to sell insurance in a number of states. Mike Fry and his team have done an outstanding job of providing a very high level of service. Here&#8217;s what my experience was like.</p>
<ol>
<li>I went to the TermDog site and played with the online quote generator. It&#8217;s easy to find, as they&#8217;ve stuck it on every page of the site. After playing with a few parameters, I found the approximate level of coverage I could buy and still fit my budget. In my case, I needed more than $500K worth of coverage, but wanted to spend less than $50/month.  Within just a couple of minutes, I had settled on a $750K 20-year policy and got the process started. (I liked the fact that even though I was giving the website enough information about me to generate a quote, I wasn&#8217;t asked for my real name or e-mail address until I was pretty sure I wanted to move forward.)</li>
<li>Within a day or so after submitting the quote, I heard back from Michael Fry. He needed to ask a few more questions, which only took a few minutes on the phone.</li>
<li>A few days later, a package arrived containing the life insurance app from the company that Mike had determined would probably be the best fit for me. It&#8217;s been quite a while since I bought life insurance, and I must say the length of the application surprised me. But after checking around a little bit, I&#8217;ve found out that that&#8217;s the new &#8220;normal.&#8221;</li>
<li>I actually dragged my feet getting the app filled out (did I mention I wanted to spend as little time on this process as possible?). Thankfully, Mike gave me a couple of gentle reminders. I truly don&#8217;t like being harassed, and Mike kept me from forgetting about it without being even remotely annoying.</li>
<li>I had the option of scanning and e-mailing the app, faxing it, or mailing it. Ultimately I opted to drop it in the mail because it feels more likely to keep my information secure. Arguable, I realize. But I needed to send a check for the first month&#8217;s premium as well as a voided one for the automatic draft, so it made sense just to do it all at once.</li>
<li>After reviewing my app, Mike did me a favor. There were a couple of characteristics about my situation that didn&#8217;t match up perfectly with the original company he had in mind, and he&#8217;d also had a little bit of difficulty with that particular company. So&#8230; he and his team completed a new application for me using the information I&#8217;d provided on the first one and they e-mailed it to me already ready to sign. Nice huh?</li>
<li>From there, I faxed in the signature pages from the newly completed app (just for speed).</li>
<li>In no time, I was getting phone calls from a local company here in town who handled the health screenings. They were easy to deal with and even had a location 5 minutes from my house. They took blood, weighed, measured, poked and prodded&#8230; all the usual stuff. I was fully prepared for the experience because TermDog had e-mailed me a list of what to expect. A very nice touch.</li>
<li>Within a few days, I received a call that my policy was on its way&#8230; and the premium was lower! Evidently my health screening results put me in a different category on the actuarial tables. And that saved me 20%. When was the last time somebody quoted you something and then sold it to you for less?</li>
<li>I had to sign the policy and drop a check in the mail (made out to the new company). Nothing to it. I&#8217;m now insured.</li>
</ol>
<h2>The  Bottom Line</h2>
<p>The whole experience was virtually ideal. I&#8217;m very busy and didn&#8217;t have time to visit an agent&#8217;s office and spend a lot of time on the phone. With TermDog&#8217;s online quoting, I was able to make my own decisions about the level of coverage without being pressured by an agent. Once I had decided to move forward, they handled the whole process very professionally and expediently. I not only highly recommend TermDog, but I plan to use them for future insurance needs.</p>
<p>For the record, I&#8217;m not being compensated or otherwise rewarded for telling you about this. I realize some bloggers get paid to express opinions. That&#8217;s not the case here. I&#8217;m absolutely a TermDog fan. You will be too!</p>



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		<title>Civic Fundraising and the Blue Light Special</title>
		<link>http://www.epiphanydigest.com/2009/06/17/civic-fundraising-and-the-blue-light-special/</link>
		<comments>http://www.epiphanydigest.com/2009/06/17/civic-fundraising-and-the-blue-light-special/#comments</comments>
		<pubDate>Wed, 17 Jun 2009 19:55:56 +0000</pubDate>
		<dc:creator>David G. Johnson</dc:creator>
				<category><![CDATA[Local Stuff]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[budget shortfall]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[law enforcement]]></category>
		<category><![CDATA[Sarasota]]></category>
		<category><![CDATA[speeding fines]]></category>
		<category><![CDATA[speeding tickets]]></category>
		<category><![CDATA[traffic fines]]></category>
		<category><![CDATA[traffic tickets]]></category>

		<guid isPermaLink="false">http://www.epiphanydigest.com/?p=261</guid>
		<description><![CDATA[Tough economic times wreak havoc with the law of unintended consequences.
After noticing what seemed like a significant increase in the number of traffic stops lately in and around the Sarasota area, I decided to do a little research. After all, maybe it&#8217;s just me. And even though I haven&#8217;t been pulled over myself, it seems [...]]]></description>
			<content:encoded><![CDATA[<p>Tough economic times wreak havoc with the law of unintended consequences.</p>
<div id="attachment_264" class="wp-caption alignright" style="width: 310px"><img class="size-medium wp-image-264" title="blue-light-special" src="http://www.epiphanydigest.com/wp-content/uploads/2009/06/blue-light-special-300x199.jpg" alt="Time to Pay Your Road Usage Tax!" width="300" height="199" /><p class="wp-caption-text">Time to Pay Your Road Usage Tax!</p></div>
<p>After noticing what seemed like a significant increase in the number of traffic stops lately in and around the Sarasota area, I decided to do a little research. After all, maybe it&#8217;s just me. And even though I haven&#8217;t been pulled over myself, it seems like more and more often I&#8217;m hearing in random conversations about people getting pulled over.</p>
<p>It turns out that in the midst of a statewide budget crunch, lawmakers in the State of Florida are <a href="http://www.firstcoastnews.com/news/local/news-article.aspx?storyid=130424&amp;provider=rss" target="_blank">expecting an extra $32.5 Million in 2009</a> thanks to increased traffic fines.</p>
<p>Great.</p>
<p>So&#8230; tourism is down. The housing market is in the toilet. Business is suffering. Here&#8217;s a thought: let&#8217;s extract it from the taxpayers without calling it a tax.</p>
<p>So&#8230; State and local governments do what they&#8217;re incentivized to do: <a href="http://www.tixnix.com/content/press/tickets_local_revenue.cfm" target="_blank">adjust their levels of roadside fundraising</a>.</p>
<p>Is there a conspiracy to do this? Probably not. But who needs a conspiracy? There&#8217;s a wide-open fundraising channel that appears to be underutilized. Every municipality and county that is getting squeezed will naturally gravitate towards it.</p>
<p>So this brings up a fundamental question:</p>
<blockquote><p>Is speeding a public safety issue or isn&#8217;t it?</p></blockquote>
<p>After all, if all of us decided tomorrow that it really represented such a fantastic risk to our well-being and we decided to stop speeding, public safety officials would be thrilled, right?</p>
<p><a href="http://www.nationalsafetycommission.com/alerts/2009/01/traffic-tickets-and-economy.php">Wrong</a>. Your driving behavior helps make up for budget shortfalls.</p>
<p>As with all other &#8220;sin&#8221; taxes, what we forget is that <strong>we, the people, have put ourselves in the speeding busines</strong>s. We are now, as a society, financially dependent&#8211;at least partially&#8211;on something that is supposed to be a danger to us all.</p>
<p>But of course we don&#8217;t really believe it&#8217;s dangerous. Sure&#8230; the testosterone-crazed teenage male with a freshly-minted driver&#8217;s license flying through a school zone at 100 mph is dangerous. And naturally, they take his license and lock him up.</p>
<p>But the soccer Mom who&#8217;s not paying attention to her speedometer as she races from one place to another&#8230; is she really a public safety hazard? Probably not.</p>
<p>But she&#8217;s a great target for a fundraising effort&#8230; one that makes her feel stupid and ashamed. One that carries a gun. One that distracts law enforcement officers from fighting crime and turns them into monkey grinders.</p>
<p>And, as unintended consequences do, this one multiplies. Now we have <a href="http://www.sun-sentinel.com/news/local/broward/sfl-broward-digest-5b-b052720091sbmay27,0,2183300.story">multiple law enforcement officers gathering in one place to pull over the drivers who don&#8217;t move over</a> while their colleagues are performing their sideshow.</p>
<p>And of course, this fundraising activity is dangerous&#8230; not because the State has decided that speeding drivers are a scourge that must be stopped, but because the State has chosen to keep its law enforcement officers in harm&#8217;s way to extract additional money from the drivers.</p>
<p>You might call me a cynic.</p>
<p>But I remember owning a 1974 Chevrolet Caprice Classic. It was already an &#8220;antique&#8221; (as automobiles go) when I bought it, mind you. But that car had something unique that the 1973 model did <em><strong>not</strong></em> have: a catalytic converter. Why? Because someone, somewhere decided that automobiles were creating too much pollution. So the Federal government mandated these devices to reduce pollution. Simple solution to a problem that was harmful to society. Require the automakers to put a device on the cars to reduce the problem.</p>
<p>When was the <a href="http://en.wikipedia.org/wiki/Governor_(device)">governor</a> invented?</p>
<p>I rest my case.</p>
<p>So&#8230; if the State of Florida (and the local counties and municipalities) want to <a href="http://www.tcpalm.com/news/2009/mar/16/new-fees-raise-cost-driving-florida/" target="_blank">tax drivers</a> whose speeds creep up, fine. But let&#8217;s call it what it is: a road tax. Let&#8217;s kill this whole &#8220;public safety&#8221; charade. What a joke.</p>
<p>It&#8217;ll probably make the officers who <em><strong>really are</strong></em> concerned about your safety on the roads feel a lot better about their jobs. After all, the people they report to are certainly incentivized to keep you driving &#8220;dangerously.&#8221;</p>



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		<title>I Voted in the 2008 Presidential Election</title>
		<link>http://www.epiphanydigest.com/2008/11/04/i-voted-in-the-2008-presidential-election/</link>
		<comments>http://www.epiphanydigest.com/2008/11/04/i-voted-in-the-2008-presidential-election/#comments</comments>
		<pubDate>Tue, 04 Nov 2008 17:19:50 +0000</pubDate>
		<dc:creator>David G. Johnson</dc:creator>
				<category><![CDATA[Local Stuff]]></category>
		<category><![CDATA[Personal Note]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[2008 US Presidential Election]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Florida Amendments]]></category>
		<category><![CDATA[I Voted Sticker]]></category>

		<guid isPermaLink="false">http://www.epiphanydigest.com/?p=110</guid>
		<description><![CDATA[And for all of you eligible to do so, I hope you have, too!  If so, you get your nifty new &#8220;I Voted&#8221; Sticker. The design is brand new for the 2008 U.S. Presidential Election.
Since my real sticker is on my shirt today, I thought a &#8220;virtual&#8221; one was in order for the blog.
Thank you [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignright" style="border: 0pt none; margin: 7px; float: right;" src="http://www.epiphanydigest.com/wp-content/uploads/2008/11/I-Voted-2008.png" alt="I Voted 2008 Presidential Election Sticker" />And for all of you eligible to do so, I hope you have, too!  If so, you get your nifty new &#8220;I Voted&#8221; Sticker. The design is brand new for the 2008 U.S. Presidential Election.</p>
<p>Since my real sticker is on my shirt today, I thought a &#8220;virtual&#8221; one was in order for the blog.</p>
<p>Thank you to all of our new visitors who have been here recently for information on the <a title="florida amendments 2008" href="http://www.epiphanydigest.com/2008/10/28/florida-amendments-2008-voters-guide/">2008 Florida Amendments</a>. We hope to have you back again real soon!</p>



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	Tags: <a href="http://www.epiphanydigest.com/tag/2008-us-presidential-election/" title="2008 US Presidential Election" rel="tag">2008 US Presidential Election</a>, <a href="http://www.epiphanydigest.com/tag/florida/" title="Florida" rel="tag">Florida</a>, <a href="http://www.epiphanydigest.com/tag/florida-amendments/" title="Florida Amendments" rel="tag">Florida Amendments</a>, <a href="http://www.epiphanydigest.com/tag/i-voted-sticker/" title="I Voted Sticker" rel="tag">I Voted Sticker</a>

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	<li><a href="http://www.epiphanydigest.com/2008/10/26/florida-amendment-2-voters-guide/" title="Florida Amendment 2 &#8211; Voter&#8217;s Guide (October 26, 2008)">Florida Amendment 2 &#8211; Voter&#8217;s Guide</a> (9)</li>
	<li><a href="http://www.epiphanydigest.com/2008/01/28/florida-amendment-1-voters-guide/" title="Florida Amendment 1 &#8211; Voter&#8217;s Guide (January 28, 2008)">Florida Amendment 1 &#8211; Voter&#8217;s Guide</a> (5)</li>
	<li><a href="http://www.epiphanydigest.com/2008/02/08/winning-in-the-new-economy/" title="Winning in the New Economy (February 8, 2008)">Winning in the New Economy</a> (0)</li>
	<li><a href="http://www.epiphanydigest.com/2008/05/08/syesha-coming-home-to-sarasota-but-just-for-a-visit/" title="Syesha Coming Home to Sarasota&#8230; But Just for a Visit! (May 8, 2008)">Syesha Coming Home to Sarasota&#8230; But Just for a Visit!</a> (0)</li>
</ul>

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		<item>
		<title>Florida Amendments 2008 &#8211; Voter&#8217;s Guide</title>
		<link>http://www.epiphanydigest.com/2008/10/28/florida-amendments-2008-voters-guide/</link>
		<comments>http://www.epiphanydigest.com/2008/10/28/florida-amendments-2008-voters-guide/#comments</comments>
		<pubDate>Wed, 29 Oct 2008 02:15:37 +0000</pubDate>
		<dc:creator>David G. Johnson</dc:creator>
				<category><![CDATA[Local Stuff]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[Amendment 1]]></category>
		<category><![CDATA[Amendment 2]]></category>
		<category><![CDATA[Amendment One]]></category>
		<category><![CDATA[Amendment Two]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Florida Amendments]]></category>
		<category><![CDATA[Florida Marriage Protection Amendment]]></category>
		<category><![CDATA[Sarasota]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.epiphanydigest.com/?p=107</guid>
		<description><![CDATA[
In the general election on November 4th (or earlier if you&#8217;re voting early), there are 6 proposed amendments (numbers 1, 2, 3, 6 and 8 ) to the Florida Constitution. Here are some quick facts for you:
Each amendment proposed affects some language in the Constitution of the State of Florida. You will be voting &#8220;yes&#8221; [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><a title="Florida Amendment 2" href="http://www.epiphanydigest.com/2008/10/26/florida-amendment-2-voters-guide/" target="_self"><img class="size-full wp-image-109" style="border: 0pt none;" title="florida-amendment-2" src="http://www.epiphanydigest.com/wp-content/uploads/2008/10/florida-amendment-2.gif" alt="Florida Amendment 2" width="500" height="80" /></a></p>
<p>In the general election on November 4th (or earlier if you&#8217;re voting early), there are 6 proposed amendments (numbers 1, 2, 3, 6 and 8 ) to the Florida Constitution. Here are some quick facts for you:</p>
<p>Each amendment proposed affects some language in the Constitution of the State of Florida. You will be voting &#8220;yes&#8221; to approve the proposed amendment or &#8220;no&#8221; to disapprove.</p>
<h2>Proposed Amendment 1</h2>
<p>This amendment would <strong>change existing language</strong> in the Constitution from Article I, Section 2.</p>
<p><strong>On your ballot:</strong></p>
<blockquote><p>Declaration of Rights</p>
<p>Proposing an amendment to the State Constitution to delete provisions authorizing the Legislature to regulate or prohibit the ownership, inheritance, disposition, and possession of real property by aliens ineligible for citizenship.</p></blockquote>
<p><strong>What it means</strong></p>
<ul>
<li> Vote &#8220;yes&#8221; if you want the Legislature to no longer be authorized to affect the ability of aliens (foreigners) who cannot obtain citizenship in the US to own or deal in real estate.</li>
<li>Vote &#8220;no&#8221; if you want the Florida Legislature to continue to have the authority to regulate this activity.</li>
</ul>
<h2>Proposed Amendment 2 &#8211; Florida Marriage Protection Amendment</h2>
<p>This amendment would <strong>add a new section</strong> to the Constitution.</p>
<p><strong>On your ballot:</strong></p>
<blockquote><p>This amendment protects marriage as the legal union of only one man and one woman as husband and wife and provides that no other legal union that is treated as marriage or the substantial equivalent thereof shall be valid or recognized.</p></blockquote>
<blockquote><p>The direct financial impact this amendment will have on state and local government revenues and expenditures cannot be determined, but is expected to be minor.</p></blockquote>
<p><strong>What it means</strong></p>
<ul>
<li> Vote &#8220;yes&#8221; if you want the traditional definition of marriage as &#8220;one man and one woman&#8221; to be the working definition of the term in the State of Florida</li>
<li>Vote &#8220;no&#8221; if you do not want to keep the traditional definition of word &#8220;marriage&#8221;</li>
</ul>
<p>For more information, read our position on <a title="Florida Amendment 2" href="http://www.epiphanydigest.com/2008/10/26/florida-amendment-2-voters-guide/" target="_blank">Florida Amendment 2</a></p>
<h2>Proposed Amendment 3</h2>
<p>This amendment would <strong>change existing language</strong> in the Constitution in Article VII, Sections 3 and 4 and would<strong> add a new section</strong> in Article XI.</p>
<p><strong>On your ballot:</strong></p>
<blockquote><p>Changes and Improvements Not Affecting the Assessed Value of Residential Real Property</p>
<p>Authorizes the Legislature, by general law, to prohibit consideration of changes or improvements to residential real property which increase resistance to wind damage and installation of renewable energy source devices as factors in assessing the property’s value for ad valorem taxation purposes. Effective upon adoption, repeals the existing renewable energy source device exemption no longer in effect.</p></blockquote>
<p><strong>What it means</strong></p>
<ul>
<li> Vote &#8220;yes&#8221; if you want to allow the Florida Legislature to have the authority to prevent upgrades to homes in Florida that are installed specifically for the purpose of A) protecting it from wind damage (hurricanes and tornadoes) or B) adding alternative energy (such as solar) from changing the value of the home for the purpose of property tax assessments. In short: if you spend money to protect your house, you won&#8217;t be penalized with property taxes (assuming the Legislature actually <em><strong>uses</strong></em> this new-found authority and passes a law to prohibit you from being taxed on this kind of thing).</li>
<li>Vote &#8220;no&#8221; if you do not want the Legislature to have the power to prevent you from being taxed on these upgrades.</li>
</ul>
<h2>Proposed Amendment 4</h2>
<p>This amendment would <strong>change existing language</strong> in the Constitution in Article VII, Sections 3 &amp; 4  and in Article XII, Section 28</p>
<p><strong>On your ballot:</strong></p>
<blockquote><p>Property Tax Exemption of Perpetually Conserved Land; Classification and Assessment of Land Used for Conservation</p></blockquote>
<blockquote><p>Requires Legislature to provide a property tax exemption for real property encumbered by perpetual conservation easements or other perpetual conservation protections, defined by general law. Requires Legislature to provide for classification and assessment of land used for conservation purposes, and not perpetually encumbered, solely on the basis of character or use. Subjects assessment benefit to conditions, limitations, and reasonable definitions established by general law. Applies to property taxes beginning in 2010.</p></blockquote>
<p><strong>What it means</strong></p>
<ul>
<li> Vote &#8220;yes&#8221; if you want land owned by taxpayers in Florida which cannot be developed because of conservation easements (e.g. the land has been declared a natural wildlife habitat) or because the owners have chosen to use the land for the purposes of conservation (e.g. there isn&#8217;t a conservation easement, but the property is being used like there is one) from being taxed like other land.</li>
<li>Vote &#8220;no&#8221; if you do not want to provide this tax exemption.</li>
</ul>
<h2>Proposed Amendment 6</h2>
<p>This amendment would <strong>change existing language</strong> in the Constitution in Article VII, Section 4 and would<strong> add a new section</strong> in Article XII.</p>
<p><strong>On your ballot:</strong></p>
<blockquote><p>Assessment of Working Waterfront Property Based Upon Current Use</p>
<p>Provides for assessment based upon use of land used predominantly for commercial fishing purposes; land used for vessel launches into waters that are navigable and accessible to the public; marinas and drystacks that are open to the public; and water-dependent marine manufacturing facilities, commercial fishing facilities, and marine vessel construction and repair facilities and their support activities, subject to conditions, limitations, and reasonable definitions specified by general law.</p></blockquote>
<p><strong>What it means</strong></p>
<ul>
<li>Vote &#8220;yes&#8221; if you want waterfront land used for the purposes listed above to have its property tax assessments reflect its usage. In other words, it&#8217;s one thing to operate a marina or a boat launch on your waterfront property. It&#8217;s another thing to build luxury condos there. This amendment would allow for the property taxes assessed to account for this type of distinction.</li>
<li>Vote &#8220;no&#8221; if you do not want to provide this distinction for assessed property taxes.</li>
</ul>
<h2>Proposed Amendment 8</h2>
<p>This amendment would <strong>change existing language</strong> in the Constitution in Article VII, Section 9.</p>
<p><strong>On your ballot:</strong></p>
<blockquote><p>Local Option Community College Funding</p></blockquote>
<blockquote><p>Proposing an amendment to the State Constitution to require that the Legislature authorize counties to levy a local option sales tax to supplement community college funding; requiring voter approval to levy the tax; providing that approved taxes will sunset after 5 years and may be reauthorized by the voters.</p></blockquote>
<p><strong>What it means</strong></p>
<ul>
<li>Vote &#8220;yes&#8221; if you the Legislature to allow counties to use a sales tax hike to raise money for community colleges. The counties would have to allow citizens to vote and approve the sales tax increase, which would automatically expire in 5 years unless a new vote authorizes it to be renewed (in 5-year increments).</li>
<li>Vote &#8220;no&#8221; if you do not want the Legislature to allow counties to levy sales tax increases for this purpose.</li>
</ul>
<h1>Was This Useful?</h1>
<p>I hope it was helpful for you to have a preview of what&#8217;s on your ballot and some simple explanations of what these amendments are all about. If so, please leave a comment!</p>



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]]></content:encoded>
			<wfw:commentRss>http://www.epiphanydigest.com/2008/10/28/florida-amendments-2008-voters-guide/feed/</wfw:commentRss>
		<slash:comments>21</slash:comments>
		</item>
		<item>
		<title>Florida Amendment 2 &#8211; Voter&#8217;s Guide</title>
		<link>http://www.epiphanydigest.com/2008/10/26/florida-amendment-2-voters-guide/</link>
		<comments>http://www.epiphanydigest.com/2008/10/26/florida-amendment-2-voters-guide/#comments</comments>
		<pubDate>Mon, 27 Oct 2008 01:27:29 +0000</pubDate>
		<dc:creator>David G. Johnson</dc:creator>
				<category><![CDATA[Local Stuff]]></category>
		<category><![CDATA[Public Policy]]></category>
		<category><![CDATA[Amendment 1]]></category>
		<category><![CDATA[Amendment 2]]></category>
		<category><![CDATA[Amendment One]]></category>
		<category><![CDATA[Amendment Two]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Florida Amendments]]></category>
		<category><![CDATA[Florida Marriage Protection Amendment]]></category>
		<category><![CDATA[Sarasota]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.epiphanydigest.com/?p=105</guid>
		<description><![CDATA[I&#8217;ve held off for a long time writing about Florida Amendment Two, in part because the issue seems so polarized for reasons that can be counterproductive to reasonable, rational debate.
I do have a position on it, however, and I feel like the time has come to make it known. Before I do so, here are [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;ve held off for a long time writing about Florida Amendment Two, in part because the issue seems so polarized for reasons that can be counterproductive to reasonable, rational debate.</p>
<p>I do have a position on it, however, and I feel like the time has come to make it known. Before I do so, here are a couple of fundamentals just for the sake of covering the facts and making them abundantly clear.</p>
<h1>Facts on Amendment Two</h1>
<p>First, here&#8217;s the text of Florida Amendment 2:</p>
<blockquote><p>“In as much as marriage is the legal union of only one man and one woman as husband and wife, no other legal union that is treated as marriage or the substantial equivalent thereof shall be valid or recognized.”</p></blockquote>
<p>Secondly, let&#8217;s make it clear. The amendment is deceptively simple. It defines the word &#8220;marriage&#8221; by the historic, traditional definition of the term as it relates to monogamous heterosexual legal union.</p>
<p>Now for some thoughts:</p>
<ul>
<li>It is ludicrous for Amendment Two &#8212; or any amendment of its kind &#8212; to ever be required.</li>
<li>But this is <em><strong>precisely</strong></em> why I believe it is important that Florida passes Amendment 2.</li>
<li>Setting aside all the rhetoric representing &#8220;left&#8221; or &#8220;right,&#8221; it is critical that this amendment be passed because it puts a stop to the disgusting trend of undermining the law simply by redefining terms.</li>
</ul>
<p>In case you&#8217;re new to this particular strategy, it happens when lawmakers or courts (judges) &#8212; or anyone else, for that matter &#8212; decide to push a particular agenda in a less-than-forthright manner. They decide to substitute a &#8220;new&#8221; or &#8220;modern&#8221; definition for a term whose meaning has been long established so that they can cause existing laws or established legal framework to come to mean something quite different than intended.</p>
<p>For the record, I am in favor of creating an environment that addresses the legal needs of today.  It is dangerous, however, to do so by this method. Essentially any law or legal traditon, including any right &#8212; whether property right, moral right, or civil right &#8212; is subject to being eroded or stolen when we resort to &#8220;redefining terms.&#8221;</p>
<p>So, for those who believe in the fundamental rule of law, this amendment is important.  Send a message loud and clear to the judges and others attempting to influence legislation that we, as Americans, will not tolerate underhanded methods that bypass the legal means to bring changes to our laws.</p>
<p>Amendment Two, if passed, will send this message.</p>
<h1>The Bottom Line on Amendment 2</h1>
<p>I urge you to <strong>vote for Florida Amendment 2</strong>.  Let&#8217;s bring the complex legal issues that are raised by the debate around Amendment Two before the legislative bodies that have jurisdiction and handle them as intended by the Florida Constitution &#8212; not by circumventing them through semantics.</p>



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		<title>Is Ad Surf Daily a Scam?</title>
		<link>http://www.epiphanydigest.com/2008/08/13/is-ad-surf-daily-a-scam/</link>
		<comments>http://www.epiphanydigest.com/2008/08/13/is-ad-surf-daily-a-scam/#comments</comments>
		<pubDate>Wed, 13 Aug 2008 15:50:44 +0000</pubDate>
		<dc:creator>David G. Johnson</dc:creator>
				<category><![CDATA[Marketing Thoughts]]></category>
		<category><![CDATA[Tech Stuff]]></category>
		<category><![CDATA[Ad Surf Daily]]></category>
		<category><![CDATA[Andy Bowdoin]]></category>
		<category><![CDATA[ASD]]></category>
		<category><![CDATA[Attorney General]]></category>
		<category><![CDATA[Bill McCollum]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[Cash Generator]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Jeffrey Taylor]]></category>
		<category><![CDATA[Ponzi scheme]]></category>
		<category><![CDATA[US Attorney]]></category>

		<guid isPermaLink="false">http://www.epiphanydigest.com/?p=89</guid>
		<description><![CDATA[I&#8217;ve gotten a lot of questions from friends and business associates about the Ad Surf Daily Cash Generator program. Now that the US Attorney&#8217;s office has seized assets and filed suit, with Florida Attorney General Bill McCollum right behind, it seems likely that the program will not continue.
A Few Facts
Initially, I was approached by people [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;ve gotten a lot of questions from friends and business associates about the Ad Surf Daily Cash Generator program. Now that the US Attorney&#8217;s office has seized assets and filed suit, with Florida Attorney General Bill McCollum right behind, it seems likely that the program will not continue.</p>
<h2>A Few Facts</h2>
<p>Initially, I was approached by people who wanted me to look at the program to see if it seemed legit. My friends know that I do not join multi-level marketing programs, nor anything that <em><strong>seems</strong></em> like it <strong>might</strong> be a network marketing venture. Nonetheless, I took a peek at this program to find out if there was anything suspect about it on behalf of those friends.</p>
<p>The first clue that there might be something &#8220;up&#8221; was that people were wondering if it might be a scam.  Why? Well&#8230; the good old adage, &#8220;If it sounds too good to be true&#8230;&#8221; comes to mind.</p>
<p>Here&#8217;s the premise: you sign up for the program (even with a free account, if you prefer) under a sponsor. You then begin to &#8220;auto surf&#8221; ads every day. There are rewards for doing this, including the right to place a website of your own into the ad rotating system so that other people will be forced to view your site.</p>
<p><img class="alignright size-full wp-image-90" style="float: right;" title="is-asd-the-next-google" src="http://www.epiphanydigest.com/wp-content/uploads/2008/08/is-asd-the-next-google.gif" alt="Is ASD the Next Google?" width="200" height="127" />At this point, it sounds a little bit like a modified version of Pay-Per-Click advertising (PPC).  With PPC, which most people are familiar with because of the right-hand side of your Google search results, advertisers bid to have their ad show up on certain sites and then only pay when someone &#8220;clicks&#8221; on their ad.</p>
<p>Ad Surf Daily seems to provide a cost-effective way to do this&#8230; at first glance.</p>
<p>But what you quickly learn is that the vast majority of people who join (and later &#8220;purchase ad packages&#8221;) <em>don&#8217;t actually have anything to advertise</em>. So&#8230; the question becomes, <strong>&#8220;Why are they signing up?&#8221;</strong></p>
<p>It turns out that if you &#8220;purchase ad packages,&#8221; (which the US Attorney&#8217;s Office has now labeled &#8220;investing&#8221;) you have the opportunity to &#8220;earn rebates&#8221; by faithfully viewing advertisements every day.  I won&#8217;t get into the mathematics of it, but let&#8217;s just say that this appears to be highly profitable because you can <strong>earn more in rebates</strong> than you &#8220;purchased.&#8221;</p>
<p>There are numerous incentives and rewards built into the program that are designed to get you to purchase more ad packages. Also, as a member of the program, you are incentivized to leave your earnings in the program because the higher your &#8220;cash balance,&#8221; the more rebates you&#8217;ll be able to earn.  You can even increase your rate of earnings by paying for a monthly membership at several different levels.  There are even big rallies where you can obtain much larger bonuses by &#8220;purchasing&#8221; ad packages on the spot&#8230;</p>
<p>And&#8230; of course, there are commissions.  This is where some of the biggest incentives are.  This is the part where you convince your friends and family (or even random acquaintances, like some of the people who have <strong>spammed my inbox</strong> about this) to sign up under you.</p>
<h2>I Smell A Rat&#8230;</h2>
<p>If you&#8217;re around the participants for very long, you hear amazing stories of large cash payouts. You hear about credit card debt being wiped out, even millionaires being created.  All of this occurs in short periods of time.  You hear about the explosive growth.  You hear about the founder, Andy Bowdoin, and his impressive award that was given to him by the President of the United States.  You hear about his many successful businesses over the years.  You also watch videos online which focus repeatedly on &#8220;we&#8217;re good guys&#8221; without providing any substantive information about why you should expect this program to continue.</p>
<p>But I have a fundamental question:</p>
<blockquote><p><strong>If the bulk of the customers have no need for the item they are purchasing, where is the value that this company is actually bringing to the marketplace?</strong></p></blockquote>
<p>In other words, they claim their goal is to be the biggest seller of online advertising in the world. They even claim to be threatening Google&#8217;s position as market leader.  But one thing I&#8217;ve noticed&#8230; the people/companies buying ads from Google (and other PPC establishments) have one thing in common: <strong>they all have something to advertise</strong>.</p>
<p>One friend of mine has a local contracting business.  My question for him was, &#8220;What are you advertising in the ASD system that people might be interested in purchasing?&#8221;  The answer: his local contracting business.  My next thought is, &#8220;What the heck does someone in Bolivia do when they see an ad for a contracting business in Florida?&#8221;</p>
<p>As a marketer, my next thought after that is&#8230; that&#8217;s a little bit like buying a billboard on a California freeway for your McDonald&#8217;s in Memphis.</p>
<p>Poor use of advertising dollars.</p>
<p>Not so poor, perhaps, for those who have a digital product with universal appeal, or perhaps those selling something that can be purchased and then shipped anywhere in the world.  Again, however, the key would be that it has universal appeal.</p>
<p>Like&#8230; toothbrushes.  We all need those, right?</p>
<p>Anyway&#8230;</p>
<h2>Is It Sustainable?</h2>
<p>Back to my fundamental question.  How long can this program carry on &#8212; even if they&#8217;re careful not to promise to pay out too much money in &#8220;rebates&#8221; &#8212; when their basic product is not needed by the people who are purchasing it today?</p>
<p>Can it be that the only reason they are buying advertising is so that they can earn a rebate?</p>
<p><strong>The answer is: absolutely, 100%, unequivocally, &#8220;yes!&#8221;</strong></p>
<p>And that, my friends, creates a problem: as soon as the market figures out that:</p>
<p>a. there are better ways to buy advertising, and</p>
<p>b. this is only sustainable as long as there are more people willing to <strong>buy something they don&#8217;t need</strong>,</p>
<p>the whole thing comes tumbling down&#8230;</p>
<p>&#8230;not unlike a Ponzi scheme.</p>
<p>Precisely, by the way, what the US Attorney in Washington D.C., otherwise known as the Attorney General, concluded.</p>
<p>Is anyone guilty of a crime here? Well&#8230; that remains to be seen.  In the meantime, no one is surfing the &#8220;ads.&#8221; No one is &#8220;purchasing ads,&#8221; and nobody is spending the $53M in cash that was seized while the investigation and the lawsuits proceed.</p>
<p>Bad news for those who used their life savings to buy something they didn&#8217;t need.</p>



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		<title>Syesha Coming Home to Sarasota&#8230; But Just for a Visit!</title>
		<link>http://www.epiphanydigest.com/2008/05/08/syesha-coming-home-to-sarasota-but-just-for-a-visit/</link>
		<comments>http://www.epiphanydigest.com/2008/05/08/syesha-coming-home-to-sarasota-but-just-for-a-visit/#comments</comments>
		<pubDate>Thu, 08 May 2008 14:35:39 +0000</pubDate>
		<dc:creator>David G. Johnson</dc:creator>
				<category><![CDATA[Events]]></category>
		<category><![CDATA[Local Stuff]]></category>
		<category><![CDATA[AI]]></category>
		<category><![CDATA[American Idol]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Sarasota]]></category>
		<category><![CDATA[Season 7]]></category>
		<category><![CDATA[Syesha Mercado]]></category>

		<guid isPermaLink="false">http://www.epiphanydigest.com/?p=80</guid>
		<description><![CDATA[After this week&#8217;s emotional round on American Idol, it&#8217;s official, Syesha is in the AI Season 7 Top 3!!  Congratulations, Syesha!!
We&#8217;ve already posted our support for this hometown Sarasota girl, but the exciting news this week is that local residents will have a chance to see Syesha tomorrow (Friday, May 9th) when she blazes through [...]]]></description>
			<content:encoded><![CDATA[<p>After this week&#8217;s emotional round on American Idol, it&#8217;s official, Syesha is in the AI Season 7 Top 3!!  Congratulations, Syesha!!</p>
<p>We&#8217;ve <a title="Syesha Mercado" href="http://www.epiphanydigest.com/tag/syesha-mercado/">already</a> <a title="Syesha Mercado" href="http://www.epiphanydigest.com/2008/04/03/syesha-mercado-makes-us-proud-yet-again/">posted</a> <a title="Syesha Mercado" href="http://www.epiphanydigest.com/2008/02/20/syesha-mercado-tears-it-up/">our</a> <a title="Syesha Mercado" href="http://www.epiphanydigest.com/2008/02/13/syesha-mercado-making-sarasota-proud/">support</a> for this hometown Sarasota girl, but the exciting news this week is that local residents will have a chance to see Syesha tomorrow (Friday, May 9th) when she blazes through on a whirlwind visit to the Gulf Coast of Florida.</p>
<p>Evidently, she&#8217;ll be making some stops in the morning on Tampa TV &amp; Radio, but she visits Bradenton (where she&#8217;ll receive a key to the city) and then comes to Sarasota for a concert on the gorgeous grounds of the John &amp; Mable Ringling Museum!</p>
<p>According to the <a title="Sarasota Convention &amp; Visitor Bureau" href="http://www.sarasotafl.org/things_to_do/events/moreinfo.php?Event_ID=17883" target="_blank">Sarasota Convention &amp; Visitors Bureau</a>, the concert is FREE and open to the public!  Park nearby on the New College Campus.  I&#8217;d get there early (parking is available at 1pm) for the 3:30PM concert.  It&#8217;ll most likely be brief, as she&#8217;s got to get back to Hollywood!</p>
<p>If previous seasons are any indication, we should see footage of Syesha&#8217;s Homecoming Visit on next week&#8217;s American Idol!</p>



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	<li><a href="http://www.epiphanydigest.com/2008/04/03/syesha-mercado-makes-us-proud-yet-again/" title="Syesha Mercado Makes Us Proud Yet Again! (April 3, 2008)">Syesha Mercado Makes Us Proud Yet Again!</a> (1)</li>
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</ul>

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		<title>Sarasota Real Estate Market Data</title>
		<link>http://www.epiphanydigest.com/2008/05/06/sarasota-real-estate-market-data/</link>
		<comments>http://www.epiphanydigest.com/2008/05/06/sarasota-real-estate-market-data/#comments</comments>
		<pubDate>Tue, 06 May 2008 21:17:11 +0000</pubDate>
		<dc:creator>David G. Johnson</dc:creator>
				<category><![CDATA[Local Stuff]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Perry Corneau]]></category>
		<category><![CDATA[Sarasota]]></category>
		<category><![CDATA[Sarasota real estate market]]></category>

		<guid isPermaLink="false">http://www.epiphanydigest.com/?p=79</guid>
		<description><![CDATA[Thank you to Perry Corneau, a real estate broker in Sarasota, who manages to share actual data regarding the Sarasota real estate market.  And, in contrast to the data cited by the broker we mentioned in our previous post, this data actually seems to be a reliable indicator of improvements in market conditions.
Any other indicators [...]]]></description>
			<content:encoded><![CDATA[<p>Thank you to Perry Corneau, a real estate broker in Sarasota, who manages to share <a title="Sarasota real estate market data" href="http://pcorneau.wordpress.com/2008/04/26/sarasota-real-estate-sales-march/" target="_blank">actual data regarding the Sarasota real estate market</a>.  And, in contrast to the data cited by the <a title="Sarasota Real Estate Market" href="http://www.epiphanydigest.com/2008/05/05/sarasota-real-estate-market-rebounding-or-not/" target="_self">broker we mentioned in our previous post</a>, this data actually seems to be a reliable indicator of improvements in market conditions.</p>
<p>Any other indicators out there worth evaluating?</p>



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		<title>Sarasota Real Estate Market: Rebounding or Not?</title>
		<link>http://www.epiphanydigest.com/2008/05/05/sarasota-real-estate-market-rebounding-or-not/</link>
		<comments>http://www.epiphanydigest.com/2008/05/05/sarasota-real-estate-market-rebounding-or-not/#comments</comments>
		<pubDate>Tue, 06 May 2008 03:55:14 +0000</pubDate>
		<dc:creator>David G. Johnson</dc:creator>
				<category><![CDATA[Local Stuff]]></category>
		<category><![CDATA[Marketing Thoughts]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[consulting business]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Google analytics]]></category>
		<category><![CDATA[housing crisis]]></category>
		<category><![CDATA[housing prices]]></category>
		<category><![CDATA[Michael Saunders]]></category>
		<category><![CDATA[real estate brokers]]></category>
		<category><![CDATA[Sarasota]]></category>
		<category><![CDATA[Sarasota real estate market]]></category>

		<guid isPermaLink="false">http://www.epiphanydigest.com/?p=78</guid>
		<description><![CDATA[Ever the optimists, Real Estate brokers always manage to locate a silver lining&#8230; no matter how far and how hard they have to look.  And, with a number of friends and business associates connected to the real estate business, I certainly am personally hopeful that their optimism has its roots firmly cemented in reality.
But alas, [...]]]></description>
			<content:encoded><![CDATA[<p>Ever the optimists, Real Estate brokers always manage to locate a silver lining&#8230; no matter how far and how hard they have to look.  And, with a number of friends and business associates connected to the real estate business, I certainly am personally hopeful that their optimism has its roots firmly cemented in reality.</p>
<p>But alas, this is not always the case.</p>
<p>Take, for example, the <a title="Michael Saunders blog" href="http://www.thesaundersblog.com/?p=67" target="_blank">blog published by Michael Saunders &amp; Company</a>.  Here&#8217;s a great example of a company reaching as deeply as it can for data &#8212; any data &#8212; to support the notion that somehow the market is on its way back to normal.  Is their data pulled from the number of transactions in the MLS, you ask?  Perhaps it&#8217;s based upon some newfound trend in the tax rolls?</p>
<p>Nope.</p>
<p>In fact, it&#8217;s taken from their Google Analytics account.  Yes, that&#8217;s right folks.  Now we&#8217;re basing the real estate outlook for Sarasota on the performance of Michael Saunders&#8217; website according to the ever-so-reliable folks at Google.</p>
<p>Now&#8230; don&#8217;t get me wrong.  I&#8217;m a big fan of Google.  Chances are you&#8217;re here thanks to one of the many Google searches that we rank well on.  But&#8230; as we know, their analytics package &#8212; feature-rich though it may be &#8212; is fraught with inaccuracies.  And&#8230; even if it were 100% accurate, the Michael Saunders blog post smacks of a self-congratulatory webmaster more than it does market realities in the real estate business.  After all, our traffic is way the heck up, too!  Doesn&#8217;t say anything about the consulting business, though&#8230;</p>
<p>But&#8230; I digress.  (By the way, business is better than ever!  Not a touch of whining here!)</p>
<p>What Michael and gang aren&#8217;t really interested in pointing out is the simple fact that, by every measure, the housing crisis is only deepening.  Even if transactions are up, prices are down.  And this is based on <a title="S&amp;P says Real Estate Prices are down" href="http://bigpicture.typepad.com/comments/2008/05/accelerating-ho.html" target="_blank">real data from none other than Standard &amp; Poor</a>. Granted, the data are not local to Florida.  But then, we the unwashed don&#8217;t have ready access to the data for our market.  This is part of the classic information asymmetry associated with buying and selling real estate.  Your broker knows more than you do.  Perhaps someone with readily-analyzed data would be willing to step forward and comment.</p>
<p>In the meantime, I&#8217;m going back to my web analytics to look for more optimism&#8230;</p>



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