Adkins Florida Group
Search:
Phone: 941-713-0635
 
Latest Listings
Mirror Lake 3772 W 59th Ave Bradenton, Florida 34210
Mirror Lake 3772 W 59th Ave Bradenton, Florida 34210
MIRROR LAKE CONDOS FOR SALE! Mirror Lake is a very nice condo development just to the south of IMG ...
>> More

Vizcaya 6101 34th Street West Bradenton, Florida 34210
Vizcaya 6101 34th Street West Bradenton, Florida 34210
Vizcaya Condos For Sale! Vizcaya is a luxurious condominium development in west Bradenton, Florida ...
>> More

Palms of Cortez 4802 51st Street West Bradenton, FL 34210-5101
Palms of Cortez 4802 51st Street West Bradenton, FL 34210-5101
PALMS OF CORTEZ CONDOS FOR SALE! Palmes of Cortez is a modern condo development in west Bradenton. ...
>> More

1907 8th Street West, Palmetto, Florida 34221
1907 8th Street West, Palmetto, Florida 34221
Move to this historic waterfront community in Palmetto. Surrounded by water, wildlife and charm. Thi...
>> More

Manatee County, Florida Night Club For Sale
Manatee County, Florida Night Club For Sale
Well-known Manatee County bar/restaurant/night club for sale. 4COP, great location, plenty of opport...
>> More



 
   
Residential
 
Here at the Adkins Florida Group our passion and expertise is real estate, more specifically real estate in Bradenton, Florida. We pride ourselves on offering the most honest, reliable and equitable real estate services available to the residents, and potential residents, of Manatee and Sarasota Counties. 
 
Indeed, whether you’re a first-time homebuyer shopping around with FHA financing for a modest family home close to schools - or you’re a savvy real estate investor seeking to sell that idyllic beach-front estate - we can help. Because, no matter the price of the home you are buying or selling, it is one of the most important decisions you will ever make.
 
So why take a chance? 
 
Instead, place your real estate business with the experienced professionals at the Adkins Florida Group of Wagner Realty and let us demonstrate to you the difference between real estate agents and real estate professionals.
 
Our listing inventory is steadily growing, that is certain. So do yourself a favor and sign-up today for our no-hassle email updates and remain tuned-in, turned-on and ready-to-act when that perfect property hits the market. Moreover, stay up-to-date on all the happenings in the world of real estate by subscribing and contributing to our blog.

____________________________________________________________________________

Selling residential real estate? Here's why you should list with us:  
                                                               
We are consistently recognized by the Bradenton Herald as the top listing and selling agents. Therefore, when you list your property for sale with the Adkins Florida Group of Wagner Realty, you are separating yourself from the norm and giving your property the best possible position in the marketplace. We not only dedicate ourselves completely and with the utmost degree of personal, one-on-one attention to your needs as a seller, but we also dedicate ourselves to the needs of the modern marketplace by utilizing clever, effective and technologically-relevent marketing.
 
When you list your property for sale with the Adkins Florida Group your property will recieve advertising from and/or be posted to the following: 
 
 
By treating you and your largest investment with care and dilligece your property is allowed to shine, to stand out from the competition and to prove its worth to potential buyers in a clear and precise manner. Another way we advertise your property to potential buyers is with unique marketing pieces like the ones below.
 
               
 
We will also work with you on valuing your property, ensuring your property is not piced too high or too low, but par with prevailing market conditions. We will create a unique Comparative Market Analysis (CMA) for your property and research trends within your specific marketplace. We go the extra step in our valuation so that our opinion of your property's value will be as accurate as possible, making certain your property is priced to sell, but not priced to give away. 
 
In addition, will will also provide a state-of-the-art High Definition video tour of your property which will be included with your listing.  Moreover, a link to your video will be provided with your listing on the MLS, enabling agents and buyers throughout the world to view your property in High Def. Furthermore, I create unique virtual tours of every single property I list and include that virtual tour in the MLS listing. Click here to view our virtual tours.

 When we speak of technologically relevant advertising here's what we mean: When you list your property with us your property will be advertised via the following:

And on all the homefinder.com websites, too.

___________________________________________________________________________________

Purchasing residential real estate? Here's why you should buy with us:
 
       101 Things We'll Do For You (PDF)        Insurance Affordability Report (PDF)   
Moreover, we will always deal honestly and fairly and treat your needs and desires with the same respect and courtesy as if they were our own. We will make ourselves available 7-days a week and can show property to you almost anywhere you like, almost anytime you like. We are experienced in short sales and foreclosures and we will draft a purchase contract that offers you as the buyer the utmost degree of protection.
We will create a Private Client Webpage for you and then set up an automatic home search that will pull all the properties which meet or exceed your criteria from the MLS and cache them directly in your Private Client Webpage. You will be able to access this webpage and view properties anytime you like, day or night. Inside your Private Client Webpage you will be able to set up and excute property searches, save properties, mark properties as favorable or unfavorable and communicate directly with me via email.
Once you have selected properties which you would like to view we will schedule a day and with you to see these properties. Usually 5 properties is the maximum we like to show during any single outing because after seeing 5 homes things really begin to run together and become confusing. During these showings the availablity for you ride with us is always extended and preferred. But if you want to drive yourself - essentially follow us from home to home in your own car - that is fine, too.
We will be there at your side from the very beginning. By this I mean that we will help you locate a lender and then assit you in qualifying for a loan and we will sit down with you to learn what kind of real estate best suits your needs and budget. Next, we will work with you to find your dream property in your dream location and when that happens we will draw up the purchase contract with all the protections you and your situation require.
We will also negotiate the deal on your behalf and we will arrange and be present during the inspections. We will set up the closing and review the HUD-1 settlement statement with you prior to closing and answer any questions you may have. We will be there with you during your final walk through and we will then accompany you to the closing table and be there with you should you have any questions.

We answer our phones, we return emails, we work on the weekends and we don't take you for granted. This is our committment to you. 

Get Current Mortgage Rates
 
Bank of America     SunTrust     BB&T
___________________________________________________________________________
 
 Property Tax Appeal

If you feel you are being unfairly taxed, and you want a reduction in your property taxes, we can help.

We will evaluate your situation and if we determine that you are in fact being unfairly taxed we will prepare your case and then present it to the Tax Asessor and/or the Value Adjustment Board (VAB) and lobby on your behalf for a taxable valuation reduction. 

When dealing with the government nothing is easy and nothing should be taken for granted. In order to prepare a case that will win when presented to the Tax Asessor and/or the Value Adjustment Board you will most likely require professionals that know how to build a case, choose the best comparables, know the system and can win.

We are those professionals and we will work for you to lower your tax burden. Demand fair taxation from your government and let us help you receive it.

Tax Petition Form

The Value Adjustment Board

The Value Adjustment Board (VAB) serves as the decision-making authority when there is disagreement between the property owner and Property Appraiser concerning exemptions, valuations and classifications. Petition filing and scheduled quasi-judicial hearings are handled by the VAB to settle any disputes. Effective September 1, 2008, the VAB will consist of two County Commissioners, one School Board Member and two County citizen members, one who is appointed by the County Commission and must own homestead property within the county, and the other who is appointed by the School Board and must own a business occupying commercial space within the school district. Authority for the VAB is vested through Florida Statute Chapter 194.

VAB Petition Filing Requirements

All VAB petitions filed with the Clerk of the Circuit Court appealing determinations of the Property Appraiser must have the petitioner’s original signature, must be notarized and accompanied by the appropriate filing fee. Copies or faxed petitions will NOT be accepted. The deadline for filing all petitions is September 12, 2008. Petitions not accompanied by the proper fee (see below) at the time of filing, shall be deemed invalid and shall be rejected (Florida Statutes Section 194.013(3)) and returned to the petitioner with appropriate filing instructions.

The return of a petition improperly filed shall not grant a waiver nor extend the filing deadline for the petition. Petitions filed after the deadline are considered “Late Files” and are forwarded to the Special Magistrate or VAB Attorney for review, but a hearing will not be scheduled. Petitions postmarked by the deadline dates, but received after those dates, are considered late. Petitions are not to be returned to the Property Appraiser's Office.

You are encouraged to contact the Property Appraiser’s Office to discuss your issue prior to filing a petition.

VAB Petition Filing Checklist

Obtain a petition form from the Property’s Appraiser’s office, from this website (below) or request one be mailed to you.
Complete all applicable sections of the petition. Make sure it is notarized if the form requires a notary.
Checks should be made payable to: Clerk of Circuit Court.
Your completed petition, depending on the type, must be received by the Clerk’s Office no later than 5:00 p.m., on September 12, 2008, along with the applicable filing fee.
Mail to:
Clerk of the Circuit Court,
Board Records Dept.
1010 Manatee Avenue West
Bradenton, FL 34205

FILING FEES – Pursuant to Florida Statute 194.013

Petitions shall be filed with the appropriate filing fee, as follows:

Single petition - $15.00 per parcel

Single petition for: 1) condominium association, cooperative association, or homeowners' association; and 2) more than one contiguous, undeveloped parcel – if the Property Appraiser determines such parcels are similar in nature (such determination must be in writing from the Property Appraiser) - $15.00, plus $5.00 per additional unit/parcel.

The Florida Department of Revenue has proposed draft Rules for Value Adjustment Boards. You may view the drafts of Rule 12D-9 and Rule 12D-10 at the Department of Revenue website.

Please contact us for more details.

__________________________________________________________________________ 
  
 Florida Homeowners Insurance
 
As a priority for our clients we have allied ourselves with the finest home owners insurance folks in the business. As part of every contract that we write for  you is the full disclosure of the estimated home owners insurance costs for that particular property. You are not required by any means to use the companies we recommend, it is simply a courtesy we extend to you as our clients so that you may have all the facts before we make an offer.

Furthermore, the Department of Financial Services has developed an online Insurance Library to provide Floridians with information on financial and insurance issues. The Insurance Library includes among many other topics information on hurricane coverage for the season that begins June 1st and ends on November 30th.

The Insurance Library  addresses a variety of consumer and insurance issues, from auto insurance to disaster planning. The Department of Financial Services’ Division of Consumer Services created the information, in part, on questions received from more than 300,000 Florida consumers who called last year.

The Insurance Library provides tips and definitions associated with various insurance topics, including disaster preparedness, rates, premium finance companies and workers’ compensation. It also gives detailed explanations of terms used for life, health, home, auto and travel insurance. Clicking on a general topic takes Floridians to detailed categories of information.

Some examples:

• People looking for information about property insurance policies can find information about agents, cancellation/non-renewal, deductibles and more. They can also drill down further to find information about specific types of coverage, such as insuring a home’s contents.

• Floridians enrolled in medical prescription plans can learn more about their discount plans and possible warning signs of fraudulent agreements.

• Boat owners can find information ranging from locating coverage to boat owner responsibilities before and after a storm.

____________________________________________________________________________


 
Loan Progams

Again, as a service to you as our client, we have allied ourselves with the finest mortgage bankers/brokers in the business and we will gladly assist you in any way we can so that you have the greatest change of getting the best loan product for you specific situation. And whether you are a first-time home buyer or a life-long real estate investor the Adkins Florida Group can help you determine which loan program works best for your unique situation. Among the many financing options available are FHA, VA and USDA loan programs.

Read on to learn more about FHA, VA and USDA loan programs.

 
Federal Housing Administration (FHA)   
 
NEW FHA LOAN LIMIT AS OF 1-1-09 IS $442,500.
 
FHA does not make loans. Instead, it insures loans made by private lenders. The first step in obtaining an FHA loan is to contact several lenders and/or mortgage brokers and ask them if they originate FHA loans. As each lender sets its own rates and terms, comparison shopping is important, especially in this market.
 
The National Housing Act of 1934 created the Federal Housing Administration (FHA), which was established primarily to increase home construction, reduce unemployment, and operate various loan insurance programs. The FHA makes no loans, nor does it plan or build houses. As in the GI-loan program, the applicant for the loan must make arrangements with a lending institution. This financial organization then may ask if the borrower wants FHA insurance on the loan or may insist that the borrower apply for it.
 
FHA's mortgage insurance programs help low and moderate-income families become homeowners by lowering some of the costs of their mortgage loans. FHA mortgage insurance also encourages lenders to make loans to otherwise credit-worthy borrowers and projects that might not be able to meet conventional underwriting requirements, thus protecting the lender against loan default on mortgages for properties that meet certain minimum requirements -- including manufactured homes, single and multifamily properties, and some health-related facilities. The basic FHA mortgage insurance program is Mortgage Insurance for One- to Four-Family Homes.
 
The federal government, through the Federal Housing Administration, investigates the applicant and, having decided that the risk is favorable, insures the lending institution against loss of principal in case the borrower fails to meet the terms and conditions of the mortgage. The borrower, who pays an insurance premium of one half of 1 percent on declining balances for the lender's protection, receives two benefits: a careful appraisal by an FHA inspector and a lower interest rate on the mortgage than the lender might have offered without the protection.
 
Until the latter half of the 1960s, the Federal Housing Administration served mainly as an insuring agency for loans made by private lenders. However, in recent years this role has been expanded as the agency became the administrator of interest rate subsidy and rent supplement programs. Important subsidy programs were established by the Housing and Urban Development Act of 1968.
 
In 1974 the Housing and Community Development Act was passed. Its provisions significantly altered federal involvement in a wide range of housing and community development activities. The new law made a variety of changes in FHA activities, although it did not involve (as had been proposed) a complete rewriting and consolidation of the National Housing Act. It did, however, include provisions relating to the lending and investment powers of federal savings and loan associations, the real estate lending authority of national banks, and the lending and depositary authority of federal credit unions.
 
Further changes occurred in the 1977 Housing and Community Development Act, which raised ceilings on single-family loan amounts for savings and loan association lending, federal agency purchases, FHA insurance, and security for Federal Home Loan Bank advances. In 1980 the Housing and Community Development Act was passed; it permitted negotiated interest rates on certain FHA loans and created a new FHA rental subsidy program for middle-income families.
 
On March 6, 2008 the "FHA Forward" program was initiated. This is the part of the stimulus package that President Bush put in place in order raise the loan limits for FHA.


 
Veterans Affairs (VA)
 
VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home which must be for their own personal occupancy. The guaranty means the lender is protected against loss if you, or a later owner, fail to repay the loan. The guaranty replaces the protection the lender normally receives by requiring a down payment allowing you to obtain favorable financing terms.
 
The United States Department of Veterans Affairs states the maximum amount of a VA loan for a single-family home in Manatee County, Florida is $442,000.
 
General Rules for Eligibility and Military Service Requirements for VA Loan Eligibility:

Note:  Applications involving other than honorable discharges will usually require further development by VA.  This is necessary to determine if the service was under other than dishonorable conditions.

Wartime - Service During:

WWII: 9/16/1940 to 7/25/1947

Korean: 6/27/1950 to 1/31/1955

Vietnam: 8/5/1964 to 5/7/1975

You must have at least 90 days on active duty and been discharged under other than dishonorable conditions.  If you served less than 90 days, you may be eligible if discharged for a service connected disability.

Peacetime - Service during periods:

7/26/1947 to 6/26/1950

2/1/1955 to 8/4/1964

5/8/1975 to 9/7/1980 (Enlisted)

5/8/1975 to 10/16/1981 (Officer)

You must have served at least 181 days of continuous active duty and been discharged under other than dishonorable conditions.  If you served less than 181 days, you may be eligible if discharged for a service connected disability.

Service after 9/7/1980 (enlisted) or 10/16/1981 (officer)

If you were separated from service which began after these dates, you must have:

Completed 24 months of continuous active duty or the full period (at least 181 days) for which you were ordered or called to active duty and been discharged under conditions other than dishonorable, or

Completed at least 181 days of active duty and been discharged under the specific authority of 10 USC 1173 (Hardship), or 10 USC 1171 (Early Out), or have been determined to have a compensable service-connected disability;

Been discharged with less than 181 days of service for a service-connected disability.  Individuals may also be eligible if they were released from active duty due to an involuntary reduction in force, certain medical conditions, or, in some instances for the convenience of the Government.

Gulf War - Service during period 8/2/1990 to date yet to be determined

If you served on active duty during the Gulf War, you must have:

Completed 24 months of continuous active duty or the full period (at least 90 days) for which you were called or ordered to active duty, and been discharged under conditions other than dishonorable, or

Completed at least 90 days of active duty and been discharged under the specific authority of 10 USC 1173 (Hardship), or 10 USC 1173 (Early Out), or have been determined to have a compensable service-connected disability, or

Been discharged with less than 90 days of service for a service-connected disability.  Individuals may also be eligible if they were released from active duty due to an involuntary reduction in force, certain medical conditions, or, in some instances, for the convenience of the Government.

Active Duty Service Personnel

If you are now on regular duty (not active duty for training), you are eligible after having served 181 days (90 days during the Gulf War) unless discharged or separated from a previous qualifying period of active duty service.

Selected Reserves or National Guard

If you are not otherwise eligible and you have completed a total of 6 years in the Selected Reserves or National Guard (member of an active unit, attended required weekend drills and 2-week active duty for training) and

Were discharged with an honorable discharge, or

Were placed on the retired list, or

Were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable service, or

Continue to serve in the Selected Reserves

Individuals who completed less than 6 years may be eligible if discharged for a service-connected disability.

You May also be determined eligible if you:

Are an unremarried spouse of a veteran who died while in service or from a service connected disability, or

Are a spouse of a serviceperson missing in action or a prisoner of war

Note:  Also, a surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003, may be eligible for the home loan benefit.  However, a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must apply no later than December 15, 2004, to establish home loan eligibility.  VA must deny applications from surviving spouses who remarried before December 6, 2003 that are received after December 15, 2004.

Eligibility may also be established for:

Certain United States citizens who served in the armed forces of a government allied with the United States in WW II.

Individuals with service as members in certain organizations, such as Public Health Service officers, cadets at the United States Military, Air Force, or Coast Guard Academy, midshipmen at the United States Naval Academy, officers of National Oceanic & Atmospheric Administration, merchant seaman with WW II service, and others.

 
United States Department of Agriculture (USDA)
  
Advantages:
 
Monthly mortgage insurance is not required.
Down payment is not required.
Flexible credit score guidelines.
There is no maximum loan amount or purchase price limit.
Closing costs can come from any source including gifts.
Repairs/improvements can be included in the loan.
Competitive fixed 30-year rates.
You apply with any mortgage lender.
 
FAQ
 
How much can I borrow? This will be determined by the lender based on your repayment ability and the appraised value of the home.
 
What will be my monthly payment? The monthly payment will include principal, interest and the monthly cost of real estate taxes and insurance.  Your lender will provide an estimated payment for you.
 
What is the loan term? 30 years.
 
What is the interest rate? It is a fixed rate set by your lender.
 
Is there monthly mortgage insurance? No. This will reduce your monthly payment. There is a one-time guarantee fee charged by Rural Development that can always be financed into the loan.
 
Is there a minimum credit score? A credit score of 620 or higher is expected.  Lenders can work with scores from 619 to 581.  A score of 580 or below would be very hard to approve.
 
I do not use credit. Will this prevent me from qualifying for the loan? Your lender will make the credit decision.  They are permitted to use a non-traditional credit report and verify your creditworthiness with other sources
 
In addition to the home purchase, what else can be financed into the loan? Closing costs and repairs can be financed up to the appraised value.
 
Can a self employed person qualify for this program? Yes, you must provide two years earnings statements indicating your income level. See your lender for more information.
 
Can I get cash back from closing to pay off other loans or refinance my credit cards? No
 
Can I use this loan program anywhere? The loan is limited to small communities and rural areas as designated by Rural Development.  Locate eligible areas at http://eligiblity.sc.egov.usda.gov
 
Do income limits apply to this loan? Yes. Total household adjusted income limits vary by household size and location.  

____________________________________________________________________________

Comparative Market Analysis (CMA)

Obtaining an accurate value for real property is difficult and requires the skill of a trained professional. Before listing your home for sale be sure your chosen agent has the knowledge and experience to be able to provide you with a comprehensive Comparative Market Analysis, also referred to as a CMA.
A CMA is an extremely valuable tool for those seeking to sell their home and you can count on the Adkins Florida Group to prepare an accurate CMA, which will not only present a true picture of the real estate market but will also generate an accurate value for your home.
To have a professional CMA prepared for your property, free of charge and with no strings attached, please contact us.
So, what is a Comparative Market Analysis?
A CMA is typically a short list of recent comparable home sales, for starters, or it can be complete and comprehensive guide to your homes’ value. The length and complexity of the report depends on the needs of the client and the availability of meaningful data. However, a standard CMA report contains the following information:
Sold Listings
Homes that have closed within the past six months are your comparable sales. These are the sales we will use when preparing a CMA for your home, along with the pending sales (which will likely have closed by the time your home is sold). We will look long and hard at the comparable sales because those are the back bone of your market value.
Active Listings
Active listings are homes currently for sale. These listings matter only to the extent that they are your competition for buyers. They are not indicative of market value because sellers can ask whatever they want for their home. It doesn't mean any of the prices are realistic. The offered sales prices do not reflect market value until they sell, and in buyer's markets, for example, most sell for a lot less.
Pending Listings
Pending sales are formerly active listings that are under contract. They have not yet closed, so they are not yet a comparable sale. Unless the listing agent is willing to share information about the pending sale, and many are not, you will not know the actual sold price until the transaction closes. However, pending sales will indicate the direction the market is moving. If your home is priced above the list price of these pending sales, you could face longer DOM (days on market).
Off-Market / Withdrawn / Canceled
These are properties that were taken off the market for a variety of reasons. Usually the reason homes are removed from the market is because the prices were too high and thus no interest was shown from potential buyers. The median price in this group will almost always be higher than the median price of comparable sales.
Expired Listings
This group will reflect the highest median sales price because they did not sell and were probably unreasonably priced. Some of the expired listings could also show up as an active listing, listed by a new agent at a new price. Listings also expire because they were not aggressively marketed or because the home was in need of repairs.
How do we Examine Comparable Sales?
Comparable sales are those that most closely resemble your home. It is impossible to compare a 2/2 water-front condo on Anna Maria Island to a 5/4 golf course home in Lakewood Ranch. So to overcome these inherent differences we select homes that are mostly identical to your home in size, shape, condition and location.
Square footage
Appraisers compare homes based on square footage. Larger square-foot homes are worth less per square foot than smaller square-foot homes. The variance among a group of median-priced homes ideally should not exceed more than 200 to 400 square feet, plus or minus.
Age of construction
Ideally, the age of the home - the year it was built - should be within a few years of other comparable sold homes. Mixed-age subdivisions are common. For example, here in Bradenton a subdivision may consist of homes built in the 1950s, and then just across the street they jump a couple decades to the 1970s. Although the homes are located next door to each other, the homes loaded with character from the 1950s may be selling for more than their newer cookie-cutter counterparts. If your home was built in 1980, say, and brand new homes up the street are selling for more, you cannot command the same price as a new home.
Amenities, upgrades and condition
Appraisers will deduct value from your home if other homes have upgrades and yours does not. A home with a swimming pool will have a different value than a home without a pool. A completely remodeled home is worth more than a fixer. Homes with one bath are worth less than homes with two or more baths. Deferred maintenance will count against you.
Location
Everybody knows that real estate is valued on "location, location, location," but have you considered what that means? A home with a water view, for example, is worth more than a home backing up to a commercial development. Homes located on busy thoroughfares are worth considerably less than homes on quiet streets. Compare your home to those in similar locations. If your home sits across the street from a power plant, look for other homes with power plant exposure or those located along railroad tracks, among other undesirable locations. Some Information from about.com
When all the above information is compiled and studied a true picture of your situation becomes clear and an accurate pricing point for your property can be determined.
____________________________________________________________________________

Save Money, Go Green

Regardless of your politics saving money is always a good idea. And saving money is exactly what re-energizing your home will do. And making your home more energy efficient is not as difficult as you may think. In fact, most techniques employed to curb domestic energy waste are simple and cost effective.

As energy prices continue to skyrocket, it's common sense to consider the energy efficiency of your home.

Here are a few tips:

• Install a programmable thermostat to keep your house comfortably warm in the winter and comfortably cool in the summer.
• Plant trees on the southern exposure of your home and install shades, blinds or shutters - preferably on the exterior of your home - to defend your home against direct         sunlight.
• Air dry dishes instead of using your dishwasher’s drying cycle.
• Turn off your computer and monitor when not in use.
• Plug home electronics, such as TVs and DVD players, into power strips; turn the power strips off when the equipment is not in use (TVs and DVDs in standby mode still use
  several watts of power).
• Lower the thermostat on your hot water heater to 120°F.
• Take short showers instead of baths.
• Wash only full loads of dishes and clothes.
• Look for the ENERGY STAR label on home appliances and products. ENERGY STAR products meet strict efficiency guidelines set by theU.S. Department of Energy and the
  Environmental Protection Agency.

For information on making your home more energy efficient check out these great brochures:

Energy Savers

Green Home Guide

 

       FL Broker #CQ1003173. 7411 Manatee Avenue W Suite 100 Bradenton, FL 34209
       Fax: 941-761-0150
       An Equal Housing Opportunity Realtor®
       © 2008 by Adkins Florida Group and Wagner Realty Inc. All Rights Reserved.
Ruki Spot Blog - Cube Cart, SEO, Ecommerce Discussions
Âö‡FÖÃà