VanDyk Mortgage - December 2018



We started out the day early, off the coast near South Seas Island Resort, with the tarpon already rolling. Right off the bat, Ozzie had a beastly fish on the hook, leaping into the air. After a bitter struggle, we got him up to the boat. Captain Ozzie yelled, “First tarpon of the season!” It was the first tarpon on “Rates and Reels” too, and from a self- proclaimed rookie, no less! Like I said, luck was on our side all day. It didn’t take long before I reeled in a keeper Trout, and Ozzie pulled one in not too long after that. A bit later, he brought in a Snook, as well. “Alright, buddy, I’m going to give you one more chance,” Ozzie warned the Snook. “Next time you see one of those shiners, don’t bite into ‘em. You’re not stupid!” And he sent the little guy on his way. Of course, once the day was done, it was time for my signature “3 Questions.” First I asked Ozzie if he had any advice for fellow intrepid entrepreneurs looking to open a bar or restaurant. “Honestly, if you

tree. The tree is specially selected by Rockefeller Center’s landscaping crews, who scout out trees years in advance. It remains lit from November to early January, so you have plenty of time to check it out. Ranch Christmas in Jackson, Wyoming Jackson, Wyoming, takes its frontier culture to the next level during the Christmas season. All year, the city proudly displays four elk antler arches, but around the holidays, they are lit up with white string lights and flanked by snow. The Christmas decorations and lights surrounding the archway make for a Western-themed holiday pulled right out of a John Wayne classic. For holiday admirers looking for a unique spin, Jackson has you covered. Yearly Yuletide in Santa Claus, Indiana This one’s for the Christmas lover. If you can’t make it out to Santa Claus, so amazing?” It turns out that wagyu and Kobe steaks are the highest grade of steaks in the world. “All Kobe steaks are wagyu, but not all wagyu steaks are Kobe.” Apparently, for beef to be Kobe beef, it has to come from a specific area in Japan, from a bloodline of cows that goes back a couple hundred years. Kobe beef is super rare in the U.S., and Ozzie admits he hasn’t been able to try any yet — which I understand, seeing as how it’s probably a minimum of $300 for a single steak! “Wagyu is the next step down,” Ozzie says. “We’ve been carrying it for some time.” Keep in mind that it’s not on his regular menu, though. If you want the want to be successful, you have to really enjoy what you’re doing,” he told me. “Don’t do it to be cool. Don’t do it because you want to entertain your friends. You have to love it, because it will take all of your time.” Then one of our viewers, Josh Walsh, had a question I wondered about as well: “What’s the difference between wagyu and Kobe beef, and what makes them

good stuff, you need to call ahead or plan a special event. While I was there, we filmed a fresh episode of “Rates and Grills,” and Ozzie traded in his fishing rod for a fillet knife. Rest assured, he transformed our catches into some delicious fare and gave me a few key cooking tips to boot. But that’s a story for next month. For now, watch full episodes of “Rates and Reels” and “Rates and Grills” on my YouTube channel, and make sure to go and check out King’s Kitchen at 2150 W. First Street right here in downtown Fort Myers! I can’t recommend the food enough, and you know with someone as friendly and skilled as Ozzie Morrobel in charge, you’re in great hands. Until next month, this has been Tim Hart wishing you low rates and tight lines!



There’s nothing quite like the magical lights of the holiday season, and some destinations in the U.S. have perfected the craft of holiday decoration. If you’re looking to get away this December and still engage in seasonal festivities, add one of these places to your must-visit list.

Indiana, this holiday season, you can still celebrate Christmas in this tiny Midwestern town in January, June, or even October. Embracing its unique name, the town boasts a museum, holiday shopping center, and a Christmas theme park. In a moving tribute, the town’s residents also write responses to children’s letters to Kris Kringle himself. It’s impossible to avoid holiday cheer in this town. Disney World’s Christmas Magic What better place to celebrate the most magical time of the year than in the most magical place on Earth? Walt Disney World’s halls are decked to the max with a parade, gingerbread homes, strings of lights, and festive parties. Plus, costs to visit Disney World can be cheaper during the Christmas season, so keep an eye out for a vacation steal.

New York City’s Rockefeller Center New York City is an iconic location for Christmastime. The scene is like a Hallmark card: Ice-skating lovers whiz past miles of twinkling lights underneath an exceptionally tall and amply decorated

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