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- What is Alzheimer's disease?
- Symptoms of Alzheimer's disease
- Causes of Alzheimer's disease
- Prevention of Alzheimer's disease
- Risk factors for Alzheimer's disease
- Complications of Alzheimer's disease
- When to see a doctor about Alzheimer's disease
- Diagnosis of Alzheimer's disease
- Conventional treatment of Alzheimer's disease
- Alternative/complementary treatment of Alzheimer's disease
- Living with Alzheimer's disease
- Caring for someone with Alzheimer's disease
Risk factors for Alzheimer's disease
Scientists have not yet discovered what causes Alzheimer's disease, although they do have a list of risk factors, which means people in these groups are at higher risk for this disease:
Some of these risk factors may be unpreventable:
- Age - people over 65 have a much higher risk of developing Alzheimer's disease than younger people. People who are over 85 have a very significant risk of developing this disease
- Cold sores - the latest research also shows that the cold sore virus (herpes simplex) is linked to development of Alzheimer's disease in 30% of people who also have the apoliprotein E-e4 (APOE-e4)
- Family history - research shows that people who have a close family relative have a higher risk of also developing Alzheimer's disease when they get older
- Genetics - research has shown that certain genes play a definite role in the development of this disease:
- Risky genes - apoliprotein E-e4 (APOE-e4) gene provides the mechanism that allows proteins to carry cholesterol in the blood (lipoproteins). Inheriting this gene (1 or more copies of it) increases the likelihood of developing Alzheimer's disease but does not guarantee it
- Deterministic genes - inheriting some very rare genes are known to directly cause Alzheimer's disease, this type of the disease is called familial Alzheimer's disease and is responsible for less then about 5% of all cases of Alzheimer's disease
Some of these risk factors are (mostly) entirely preventable:
- Acetylcholine - the neurotransmitter acetylcholine is very low in people with Alzheimer's disease. This neurotransmitter is associated with good memory and if it is in deficit this can present as poor memory symptoms, which are associated with Alzheimer's disease
- Aluminium - current research has shown that higher than normal deposits of aluminium in the brain could be a risk factor for developing Alzheimer's disease. Studies show that aluminium causes malfunction of the neurons (especially in the brain) and ultimately in cell death. If aluminium gets into the brain, it can disrupt normal brain cell function, cause free radical production and excessive excitation of the neurons in the brain (excitotoxicity) and all of this ultimately causes death of the brain cells. People who are deficient in magnesium are especially at risk, because aluminium competes with magnesium for absorption and usage
- Dopamine - studies show that the neurotransmitter dopamine is very low in people with Alzheimer's disease. Dopamine is associated with normal mood function and is synthesised from the amino acid tyrosine. Researchers do not know if people with Alzheimer's disease become deficient in dopamine due to the disease or they were first deficient in this neurotransmitter which led to the progression of Alzheimer's, but getting adequate amounts of tyrosine in the diet may significantly reduce the risk of developing Alzheimer's disease
- Essential fatty acids - there is some research which suggests that a deficiency in the essential fatty acids DHA/EPA and GLA (gamma linolenic acid) are associated with a high risk of developing Alzheimer's disease and this is because much of the membranes of the brain cells need the essential fatty acids to function properly and behave normally
- Head injury - research shows that people who sustain a serious head injury at any point in their life are at higher risk for developing Alzheimer's disease. Always wear protective head gear when cycling, riding or engaging in any activity which could cause accidental head injury
- Healthy ageing - research suggests that overall health as people age has some implications on the risks of developing Alzheimer's disease. The main recommendations now are - stay within a healthy weight range, perform mental calculations every day (crosswords, maths problems, reading, writing), socialise, exercise and eat nutritious, unprocessed food
- Heart health - much research shows that an unhealthy vascular system (heart and blood vessels) is a definite risk factor for Alzheimer's disease. The brain is the body's most important organ and requires about 25% of the blood pumped from the heart, so if it is not getting the correct nutrients (oxygen, vitamins, minerals, glucose) every day, then it may be more vulnerable to Alzheimer's disease
- Heavy metal exposure - there is some research that suggests people who have had exposure to heavy metals (especially mercury) may have a higher risk for developing Alzheimer's disease. The research suggests that the mercury fillings in some sensitive people can adversely affect their brain and increase risk of development of Alzheimer's disease, especially if their diet is deficient in certain vitamins, minerals and other nutrients
- Homocysteine - high levels of the homocysteine, which is an by-product of a number of metabolic processes, is implicated as a risk factor for Alzheimer's disease. The higher the level of homocysteine in the blood, the more significant the memory, mood and concentration problems
- Stress - excessive amounts of stress, with elevated cortisol levels are associated with a higher risk for developing Alzheimer's disease
Sections: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12< 4: prevention 6: complications >


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1. Confirm the sales person works for the company. Verify that the individual with whom you are speaking is an authorized agent of the company that was referred by HomeAdvisor.
2. Ask for a copy of the company's license. It is important that you verify the license is still in good standing. Also keep in mind that certain states or provinces do not require licensing if the job is under a certain dollar amount. Remember that you can find a list of your state's licensing requirements on the HomeAdvisor website.
We recommend before working with a service professional, that you verify information presented is still current and/or acceptable to you. While HomeAdvisor may be notified of changes in member service professional insurance coverage which are then confirmed with insurance agents or companies, we cannot guarantee that insurance information is still valid at time of presentation. We recommend that you obtain a copy of the service professional's insurance certificate where applicable.
3. Ask for proof of insurance. Ask the company to provide a copy of their insurance certificate. We recommend that you verify with the insurance agency or carrier that the policy is still in good standing.
General Liability insurance typically covers a contractor for accidents that occur while the contractor is working. However, there are exclusions to coverage, and you should confirm the actual scope of the contractors coverage directly with the contractor.
4. Finalize the contract before starting on a project.
A good contract…
- Should be written on company letterhead
- Should contain the company's name, address, phone numbers, and license number (if applicable)
- Should contain the consumer's name, address (where work is to
be performed), and phone numbers
- Is dated when it is written
- Includes a detailed description of the work that is going to be performed
- Provides dollar amounts associated with each task included in the project
- Includes an anticipated/estimated start and finish date
- Provides a payment schedule
- Includes a termination clause
- Contains a clause that protects the homeowner from any potential mechanics liens
once you have paid the contractor in full
- Clearly states whether permits will be pulled, and who will be responsible for pulling them.
5. Make payments to the company that was referred. Do not pay an individual.
6. Avoid paying with cash. Check and credit cards are preferable, and be sure to get a receipt for all payments.
7. Withhold final payment until you are satisfied with the project.
- Don't pay in full until the project is completely finished and you have completed your final inspection.
- If sub-contractors were used, be sure to get signed releases from all subcontractors clearly indicating that they have been paid in full by the general contractor.
- For larger projects, don't make the final payment until you have passed the final building inspection.
8. Don't advance money for materials. If absolutely necessary, make sure the materials are delivered to your house with a receipt showing that they have been paid in full.
9. Check multiple references. In addition to reading the company's HomeAdvisor Ratings & Reviews, consider checking additional references for the service professional.
10. Document all changes to the contract. Make sure all changes to the original contact, no matter how small, are documented and signed off by both parties.
32 Comments
I had a man come over and look at the windows, shower, and other things I wanted done. His estimate/quote was very high. He wanted to sell me products that I did not really want. I feel he misrepresented himself. After he left my home from giving me the quote, I told him, I was not interested. I almost made a terrible error in having him do the work. He does not follow the advice you give above. In fact he did not seem ethical at all.
Must verify bidding contractors have both liability and workers compensation insurances. Does Home Advisor confirm that already? Only one bid was received.
Do not use Sears. They have high upfront prices, and they still may not be able to fix the problem. Plus you still may need to pay for parts in addition to the service.
Does Home Adviser verify proper licensing and insurance coverage??
I hired Galaxy Electrical to find a problem for me. They came out and fixed the problem and were wonderful to work with. Very pleasant and reasonable. I would highly recommend them
I'm really happy my refrigerator is all fix the guy that you recommended is very nice & very polite & he also works fast. I'll be coming back again in the future for more referral. Thank you so much for helping me.
I hired Matt of Artic Fox Cooling Co. He did a great job and was done earlier than expected with no issues . I felt his price was good too !
That's a good idea to make sure that the license is in good standing and what licenses are required by the state. I need to hire an excavation contractor. See, I want to put in a really nice and professional-looking retaining wall into my backyard so that the whole area can be terraced instead of the fairly steep slope it is right now.
Barnes painting has been the best pro we've been given by home advisor. Mother's maids were sooo expensive. Would never use them again. And bob the handyman talked more than work and charged us for his time wouldn't use him again for a handyman. Gotta get really picky and be aware!!!!
I just want to know is there
a service charge
I'm a single mom/grandma.Will move in on a recently purchased 700 sq ft condo on April this year. The inspector said I need some minor fix on some electricals and drains, and I want it repainted again with counter carpentry in the kitchen. Is it possible to ask for a package estimate for these things so I can at least prepare financially ? Please let me deal only to one person in case this project will push through.
I would like to write a review for the Contractor / Team that came to my house today- they did a awesome job! How or where do I go to do that?
I have no other questions just want to know if there is a fee for using Home Advisor
Hi Doris,
There is no fee for homeowners to use the service. There is, however, a few for Service Providers to join HomeAdvisor. Check out our homepage (https://www.homeadvisor.com/) for more information.
The one plumbing company that contacted me wanted almost 70 bucks to give me an estimate. I was in business in NYC for 55 years and I never charged for estimates. If I were to get 3 or 4 competitive estimates it would amount to 1/4 the cost of the appliances. Are there any honest plumbers out there who would give me an estimate without charging?
The Summit Building & Roofing Co. came and fix my yard with no problem and the job they did was great. I was very pleased with there work. I will call them for work in the future.
I did business with Coastal Mowing for my tree removal and I am really satisfied with their work. The job has been done exactly the way they told me that they will do it and it is something that I really appreciate from contractor.
Thanks to Coastal Mowing for their good work.
Jean=Guy Allen
I was very pleased with Drain King! He was very professional and very nice! He was on time and finished the job very quickly! I would recommend him to my best friends!
Thank you for recommending ARC to fix my sprinkler problem. Armando came today to analyze the cause, and he was able to do the work and to install the necessary part. His fee was reasonable. I would highly recommend this company. C. Sheppard
I contracted with H & S Services to have the exterior of my house painted. The Project Manager showed up on time to evaluate the work I wanted done and sent me an estimate by e-mail two days later. I received an estimate from another company also and chose H & S to do the work. Luck and beautiful weather was on myside and I was called on 4/18 and they said they were going to come pressure wash the house to get it ready for painting on 4/21. They were right on time again and preceded with the job. It was all finished on 4/23. They worked hard, were extremely polite and answered all my questions patiently. I can highly recommend them. They do general contracting ie. remodeling, tile installation, framing ect. as well. I am going to have them put some tile in my kitchen wall for back splash next. I have other projects coming up and they are on the top of my call list! Great people and they do great work
We had to get our Sump Pump replaced, PH Maintenance did a great job, they came on time and went to work immediately, we definitely will use them again
After getting two estimates on a home HVAC repair, I chose True Mechanical Solutions, LLC (TMS) . They were professional, prompt and courteous. In addition, the technician was very knowledge and did not attempt push expensive alternatives (unlike the other company). The replacement item was under warranty and TMS provided a one year service warranty. The repair cost was reasonable. I highly recommend this firm. Thank you Home Advisor.
Newpro called us in regards to a walk-in shower project. They were here for 2 hours and did not want to take "we will let you know" for an answer. The initial cost was $14,000 but they would drop it to $10,000 if we sign immediately. This was to remove the existing tub and install the walk-in shower. It included some mold treatment and handicap bars. I did tell them I would let them know but decided it was just too stressful so I did not call. Today they called 5 times within 7 minutes. This company is extremely a very high pressure company and would never use them for anything.
I thought that your tip to check if the contractor works for the company you hired was incredibly useful. I don't want to pay anybody who is not a part of the contracting company. When I need to hire a contractor soon, I will be sure that they belong to the company whom I have hired.
This will be the third time I have submitted my information.
I have some exterior stucco repair, I want the exterior Painted, stucco only.
If the price and timing is good I will and in my 600 sq ft deck.
Or have someone call me if you are not interested 6143336373. Winter is coming.
I just got an estimate that stated 50% up front and the rest at completion of job does that sound right
Hello Bill,
Follow the instructions in this link and you'll receive calls from pros who can help.
I just had a bad experience with a seemingly reputable contractor who painted the interior walls of my house once and then claimed he did it twice per the contract. Do not assume/trust that your contractor is giving you what is outlined in the contract. Protect yourself by being there while they're working, watching and communicating with them to make sure you get what you're paying for. Not all contractors are dishonest, of course, but this one was and I could not have been more disappointed. Buyer beware!
Is it necessary to give contractor a deposit when signing the contract with them? If so, how much do you recommend? The contractor we decided to use mentioned a deposit. We have not yet signed a contract.
The handyman that was sent out never finished the project. A door is left un-trimmed with weather coming around it and the closer was not installed correctly. They never came back to finish their work.
I just had one of the nicest contractor out to clean up and mow our very large backyard. I was impressed with the owner Darrell who was very accommodating and had his workers out right away and did a great job. Couldn't be happier with the job done. Thanks Darrell And your crew!!!!!!!
I don't like giving a deposit to a contractor that I don't know. Much less some company with a website that sends me an email link to pay. When you get to my home and do the work, I'll pay. I do not want to pay a deposit 1 week, 2 weeks or a month in advance to save a spot on the schedule.

subset: commoncrawl


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A Manchester tech company is launching its first ever app development apprenticeship, a degree-level programme for aspiring mobile app developers.
Mapway, a Google-accredited 'top developer', will run the apprenticeship course alongside Manchester Metropolitan University. Successful candidates will study a fully accredited BSc degree in digital and technology solutions, while working at Mapway's head office.
Apprenticeship Week launch
The launch will coincide with next week's National Apprenticeship Week. The company will be seeking to recruit apprentices at an open evening on Tuesday at Manchester Met's Business School.
Mapway CEO David James believes it will be the perfect week to launch the company's search to find new talent through apprenticeships.
James told the Manchester Evening News: "The value of apprentices is something I've always believed strongly in. Many years ago I completed an unofficial apprenticeship that enabled me to switch careers from a chef to a developer. Without this option of work-based learning I wouldn't be where I am today.
"As a company we've seen first-hand the value apprentices can bring but we've yet to expand this success across our mobile development team.
"With this new apprenticeship programme we hope to offer a solid foundation for those who aspire to work in a digital industry and by partnering with Manchester Metropolitan University we will combine first-class training from both an educational and practical perspective."


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8. Megan Young
Since her reign in 2013, Megan hasn't stopped in helping people and the environment. She has been volunteering to build and make the world a better place to live in for the people. She once said, "I will be your best Miss World ever" and she is living that promise.
I have always loved how Boom Sason accentuates a woman's curves with her designs. Before arriving for my homecoming in 2013, I pleaded my stylist @adrianneconcept to ask @boomsason to make a gown for the parade. Chic, simple but something you could easily spot in the crowd. Since then I have constantly been working with her to create pieces that bring out the best in me. Every outfit of hers that I wear makes me feel empowered and makes me feel like I'm in my element. Thank you, Boomie, for giving that confidence to me (and I'm sure all of your clients!!) ❤ Love you forever ✨


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Hentai Picture: Adorable boobies and tight cootchie – now everyone could observe how Mira Clay looks like just before she will get humped
Although you may have seen some Bakugan before, you'd jizz your pants to find a collection of quality material all ready for you! Fair haired Bakugan bitch with sexy body gets drilled by four hot rods and gets her cute breasts thoroughly cum-dumped… Did it occur to you how sexy hot babe Mira Clay would look with those lovely nipples set free?
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Glitazone scrutiny over fracture risks
European regulators are reviewing the safety of the diabetes drug rosiglitazone after a major study suggested it raises women's risk of fractures.
It follows discussions by the UK's pharmacovigilance expert advisory group, which noted increased rates of fractures in the international ADOPT trial.
GP diabetes experts said the results had been unexpected and were in need of scrutiny.
ADOPT found 9.3 per cent of female patients on rosiglitazone developed fractures, compared with 5.1 per cent with metformin and 3.5 per cent with glyburide.
The results are being evaluated by the European Medicines Agency, which will consider whether product information should be amended.
Its initial review suggests patients should not be advised to move to a different drug.
Dr Martin Hadley-Brown, chair of the Primary Care Diabetes Society and a GP in Thetford, Norfolk, said experts had been puzzled by the findings.
'Nobody can quite explain this; it was not expected and I don't think anyone's got a good explanation for it,' he said.
'I certainly think it will be looked into in more depth. We want to know if a drug we use – and which is very effective – has any problems with it.'
GlaxoSmithKline, manufacturer of rosiglitazone, insisted it had reported the fracture risk as soon as it was observed, and pointed out there was no significant increase in fractures in men.


text: Boy's green waxed jacket from British heritage brand Barbour. Constructed with a 6oz waxed cotton outer and a breathable mesh lining, the water-resistant 'Lands' jacket comprises a front zip fastening, long raglan sleeves and a hood with an elasticated panel at the front. Studded sleeve cuffs and adjustable hem poppers offer a customisable fit. Featuring a colour-contrast panel at the hem and side welt pockets adorned with a signature embroidered logo. 100% Waxed Cotton Made in England


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Business Briefs
Vote for Business Woman of Year
The Park City Women's Business Network is looking for interested parties to join the committee for the Business Women of the Year Award.
The 2007 Businesswoman of the Year award was Julie Wilson, the director of food and beverages at Deer Valley Resort for the past 23 years.
The award is presented at the business network's annual fall fashion fundraiser.
Money raised at the event helps fund academic scholarships for a handful of women each year.
The committee will establish criteria for the award recipient, develop and distribute the nomination form, create a marketing strategy, review nominations and deliver finalists to the executive board.
To be part of the process, contact the Committee Chair, Shirin Spagenberg, at firstname.lastname@example.com .
Merchant Mixer Thursday
The Historic Main Street Business Alliance will host its annual Merchant Mixer on Thursday, May 8 from 5:30-7:30 p.m. at the Kimball Art Center. All merchants and business license holders in the Historic District are encouraged to attend. The HMBA will be presenting its new branding campaign and information on other programs that the group has been managing.
RSVPs to firstname.lastname@example.com will be helpful but are not required. Refreshments will be served, courtesy of Irie Restaurant & Grill and Wasatch Brew Pub.
Questions can be directed to Sandy Geldhof at 658-9612.
Help Recycle Utah take out the trash
Summit County volunteers plan to pick up litter during a community clean-up day Saturday, May 10.
Recycle Utah's "Pride in Your Park" runs from 9 a.m. to noon in Park City, according to a press release.
Volunteers should meet at City Park for continental breakfast at 8:30 a.m.
Organizers advise volunteers to bring work gloves and wear orange for safety. Bags will be provided.
Recycle Utah provides free lunch for trash collectors at noon in City Park.
For more information, call Recycle Utah at 649-9698.
To learn more about cleanup events on May 10 in Coalville, Henefer, and Kamas, contact Anita Lewis at 336-3200.
Motorcoach Company passes EPA test
A Salt Lake City based tour and charter motorcoach company recently added four low-emission diesel Setra S-417 buses to its fleet. "It is very important for us to be at the forefront of this technology," said Dick Maben, Park City resident and president of Utah Trailways.
Utah Trailways is one of the first motorcoach travel companies to meet the Environmental Protection Agency's emissions standards.
The company
has been providing local and nationwide charter bus services as well as daily tours to The Wendover Nugget Casino, for more than 26 years, according to a press release.
UPDATED: Park City Planning Commission approves Woodside Park housing development
The Park City Planning Commission on Wednesday approved a City Hall workforce or otherwise restricted housing development slated for the northern reaches of Old Town.


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Exeter A remain at the top of Division 1 after a 7-2 victory over Ringswell A. Julia Melling & Sam Lees and Suzanne & Sam Owens were unbeaten for Exeter with the team's remaining point coming from Sue Colwill & Russell Walker. Both of Ringswell's points were secured in a deciding third end. Cranford A remain in second place after a 5-4 win over St Leonards A. This result was amended due to one of the Cranford team being unregistered. Claire Hannah & Jamie Roberton were unbeaten for Cranford. The St Leonards A team of Anne Stanley & Adrian Midmer, Louise Gubbin & Tim Wardale and Sue Banks & Guy Sweetman beat the University 8-1 with the University pairing of Lily Stanton & Ben Qiu winning the final rubber 21-19 in the third end to prevent a whitewash. The University beat Exeter B 6-3 with the partnerships of Lily Stanton & Brendan Foreman, Lucy Battersby & Harry Hacking and Natalie Kent & Nick Halliwell each securing two points towards the win.
In Division 2a the Otter Vale A and St Leonards C match concluded with the St Leonards C team of Jill McCord & Anthony Towl, Ruth McClelland & Ian Jameson and Sharon May & Pierre Aumjaud winning 5-4 to secure their first win of the season. Sidmouth A were unable to raise a team for their match against St Leonards B handing a 9-0 win to their opponents.
Otter Vale B have enjoyed wins over both Raleigh & Ringswell C in Division 2b. In a 6-3 win over Raleigh the Otter Vale partnership of Jean Lloyd & Andy O'Brien were unbeaten , Sue O'Brien & Daniel Clark picked up two points and the remaining point came from Maxine & Peter Sweetman. In the team's 5-4 win over Ringswell C, no Otter Vale pair could beat the Ringswell partnership of Di Brooker & Brian Jeary. Sidmouth B remain at the top of the division after the team of Ann Price & Paul Carter, Hilary Herd & Steve Pritchard and Linda McCracken & Graham Baker beat Ringswell C 7-2. Chulmleigh beat Raleigh 7-2 with Ruth Crumbie & Mat Older unbeaten. Raleigh were hampered by the fact that they were only able to raise two pairs, but Nicola Martin & Dan Graham fought hard, picking up both of Raleigh's points. The Honiton A team of Sue Caller & Paul Merchant, Helena Williams & Roger Tucker and Janet Ingram & James Goody beat Raleigh 9-0.
Whilst Clyst Vale A top division 3a, just two points separate the teams in 2nd to 5th place. Despite some very close claims, the Clyst Vale B team of Imogen Batten & Steve Hunt, Rachel Dare & Guy Allum and Ann & David Bromage beat Cranford B 9-0. Honiton B were only able to raise two pairs when they played Cranford B, but the quartet of Sue Fallows & Mark Stanley and Zaria Taylor & Simon Walker emerged the winners, 6-3.


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Welcome to the Buyer's Tools & Links Page
Congratulations on the first step of buying a new home, condo or vacant land to build on! As a REALTOR® with over 40 years of experience on Sanibel, Captiva and in S.W. Florida, I can assist you through the entire buying process.
When You Buy Your Home with a REALTOR® you gain peace of mind knowing you're working with a professional who can minimize the risks in a key an significant investment.
Out-of-Country Buyers interested in the S.W. Florida can relax. Our Team has an impressive track record of helping international buyers with their pursuit and purchase and we can link you to all the contacts you'll need to Help with your shrewd decision to invest in the area.
From this site it's easy to Search All of the Most Popular South West Florida Real Estate including:
Check Out "Local Information" Pages
{Bonita} {Cape Coral} {Captiva} {Fort Myers} {Ft Myers Beach} {Naples} {Sanibel}
Each Area offers housing options galore, broad set of amenities
and affordability for a wide-range of buyers and important Buyers Information
Explore lifestyle options:
Whether you're interested in purchasing a Home, Condo, or Vacant Land to build on, our advanced search tools will provide you with complete and extensive details about area listings for virtually every lifestyle choice. Do you need Bayfront, Ocean Front, Near Beach, Canal or Bayou, Riverfront or even a Golf Course community? With very little effort on your part, you can have the most comprehensive area and property information at your fingertips with trusted professional help just a phone call or email away. Check out our "Information By Area" pages and links to get a better understanding of each location.
Complete our "MLS Alert" exclusive "San-Cap Buyer Email Update System Form": Put us to work…..allow our team with over 40 years of experience in the S.W. Florida real estate market and armed with the parameters you provided in the Buyer's Survey to locate and email you all the properties that meet your wants and needs. The information will include property details, pictures, videos tours if any and maps showing the location of each. All you need to do is sit back and review properties that meet your every need. Don't let another buyer purchase your dream property! Register to receive the latest instant email alerts based on your specific criteria.
Save a search: If you prefer to search for listings using any one of our search tools except our "One Click Search", you can also create a "Saved Search" and archive your favorite listings. It's easy and will allow you to make changes and go back and view properties that you have saved in your personal "Listing Carts".
What can we do for you?: We're here to help, starting with a wealth of information that's simply a click away with our helpful links that you can read online. When you're ready to move forward with a desired property, we'll help you get all the critical details to make informed decisions. Learn more about the South West Florida using the many links provided on the "Information By Area" pages on this site. We will provide you with all the information and contacts you'll need to make buying in S.W. Florida an almost effortless experience on your part!
Here are a few steps you may wish to review to help understand and speed up the process:
If you need a Mortgage it would help togGet Pre-approved for a Loan
In today's market it's very important to have a preapproval letter from a lender before you even start your home shopping. It can make the difference between your offer being accepted, or not, over another offer. And in this competitive time in our market, we do see multiple offer situations. Contact several lenders, and determine which one will give you the best deal. We can help by supplying you with lends contact information.
Determine Your Price Range and Area(s) in Which You're Interested
By now, you should have a good idea of how much home you can afford. This helps you narrow down your home search. You should also begin researching the neighborhoods in which you might want to live. I can assist you with this.
Decide Which Amenities and Features You Must Have – and Which Ones Would Be Nice but not Necessary
How many bedrooms and bathrooms do you want? Would you like to be in a Golf Course, Waterfront, or a non-gated community? Home or Condo? Would you prefer a newer home or an older one with established landscaping? Which features would you be willing to give up if you were to find the otherwise perfect home?
Begin Testing the Market
Right here on my site, you can find listings that meet your criteria as well as neighborhood data. See what's available in your price range and explore neighborhoods.
With Your Agent, Begin Seriously Looking at Homes
I can compile a list of homes based on your criteria, or show you any homes you might have already found with your on-line search. Look at homes with a critical eye – does the floor plan work for you? Is the property in good condition? Would it be right for your lifestyle? In short, can you imagine yourself and your family living there?
Take notes at each home you visit. What are your likes and dislikes? Narrow down your choices; revisit homes in which you're interested. See them at different times of the day.
Make an Offer
When you've identified the home you want to buy, be ready to help your agent prepare a written offer quickly. Your agent will be familiar with market values and will help you arrive at a price that gives your offer the best chance of being accepted.
At this stage, try not to become emotionally attached to a home. Your offer may not be accepted for any number of reasons. Have backup homes in mind. Be prepared to negotiate through your agent with the sellers. Be prepared to make an earnest money deposit. If you are financing, the preapproval letter should accompany your offer. If you are paying cash, proof of your funds will be required, i.e. bank statement, stock portfolio statement, etc.
Once Your Offer Is Accepted
Once your offer is accepted, the lender will need a copy of the contract in order to continue processing the loan and to order an appraisal. Have the property professionally inspected, and if necessary, request repairs. Obtain homeowner's insurance.
Contact the local utility companies (phone, water, electricity, cable, etc.).
A few days before closing, stage a walkthrough.
At Closing
-Make sure the terms and conditions of the loan statement are correct
-Carefully read everything before you sign
Make sure fill out the "MLS Alert" exclusive "San-Cap Buyer Email Update System Form" and let us help you get started on your search!
Contact Me Direct Anytime:
George KohlbrennerRealtor-Partner-Broker Associate
John Naumann & Associates
11509 Andy Rosse Lane, Captiva, FL 33924
1149 Periwinkle Way, Sanibel, FL 33957
Call 239-565-8805