Sgt. Ervin Romans and Sgt. Daniel Sakai.

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Reader question: We want start looking for our first home. There is a ton of information available,ray ban sunglasses, but it feels conflicting and confusing. We want this to be a fun and exciting time in our lives,ralph lauren outlet, but we need some advice. Can you share your thoughts about how we should go about buying our first home? ? John and Terrie V.Monty?s answer: Buying a home is a complicated and lengthy process you enter to achieve your ultimate goal. Experience has proven that your best ally is knowledge to aid you in navigating this process. While there is information available, it can be camouflaged in myth,, misinformation and partial information.The best way to begin is to understand and accept that investing time in acquiring and utilizing the right knowledge is the surest and safest way to proceed. After all, this may be your single largest investment. Without this knowledge, the probability of long delays, unnecessary risks,north face outlet, simple yet costly errors and frustration increase exponentially.Ready,Nor should members any group,coach factory, aim, fireA real estate transaction is a process,, not an event. It is a series of smaller transactions, each very crucial for different reasons. Each one has a contract deadline. Independent companies serving the real estate industry execute these transactional tasks.Understanding how each task fits into the larger transaction and following each tasks progress toward meeting the deadline is important. Title insurance, inspection, testing and appraisal companies are examples of these other companies.This understanding allows you to challenge a procedure or reject advice you may not have questioned otherwise. While you and the seller are focused on this one transaction, everyone else involved is simultaneously working many transactions. Accepting the responsibility for getting the knowledge before you need it and for the outcome of each task is the surest course of action to achieve a positive experience.Here is a simple schedule that illustrates the steps a homebuyer will take in a typical real estate transaction. This process is best kept in the order listed to maximize efficiency, gain necessary information before you need it and increase the odds of an error free transaction.Steps in buying a home1. Mortgage loan prequalification: Get pre-approval letter for an amount. 2. Determining preferences: Match preferences to loan amount available. 3. Gathering information: neighborhoods, schools,, important amenities. 4. Choose an agent: Find the best agent for your circumstances. 5. Preview homes: Consider a start with an ?area tour? of several neighborhoods. 6. Make an offer: This important document controls all that follows. 7. Negotiate: Understand the home?s range of value. 8. Mortgage application: confirmation of loan commitment. 9. Satisfy contingencies: inspection,but not all, appraisal,louis vuitton, survey and more. 10. Pre-closing inspection: Ensure condition same as last look. 11. Closing: money exchanges hands and title transfers. 12. Moving day: the first day of your new home adventure.Not so fastPage 2 of 2 - Frequently, consumers fail to realize the complexity and risks until they have become a victim. Other customers become victims,, but never realize it. Here are a few examples of actual events to demonstrate the potential consequences of being an uninformed consumer:? Buyer paid $10,000 to replace a defective roof after receiving incorrect advice from both the real estate agent and buyers parents regarding home inspection procedures.? Seller stood up at the closing when transaction failed because buyer was short of funds to close. Several parties failed to verify buyer?s funds. Missing this small detail damaged both parties.? Elderly seller praises agent for quick home sale at full price. Agent was a close friend from church. Neither realized home was valued $25,000 under market.Selecting and managing your real estate agentAnother important point to implement is to identify multiple real estate agents, interview three finalists with specific questions that help you sense they fit you, and your circumstances. Rate the quality of their responses and then decide.Now you have a good startThese initial actions will prepare you for the exciting and complex process of buying a home.Envision you are playing a virtual reality game ? only this is real life,sugar and water,coach outlet online, real money and real essential. By anticipating and understanding the details of the process,ray ban sunglasses outlet, you can take advantage of this knowledge to act and react efficiently and confidently to reach your goal.Richard Montgomery gives no nonsense real estate advice to readers most pressing questions. He is a real estate industry veteran who has championed industry reform for over a quarter century. Send him questions at

The sign, which sits on the eastbound shoulder near the Keller Avenue overpass, honors Sgt. Mark Dunakin, Officer John Hege, Sgt. Ervin Romans and Sgt. Daniel Sakai.

I heard someone once say that 85% of winning is just showing up. I would add to that: it’s just showing up with the right attitude. I am often amazed at the power of attitude in my own life. I find that whatever my attitude is, going into an experience, more often than not predicts the outcome. Have you ever met someone that can only see problems and barriers as their first reaction to anything they are asked to do? Honestly speaking, if you could decide,abercrombie fitch, would you want that person on your team as you undertake a critical,abercrombie kids, complex project? How would you say most people would describe your approach? Does your attitude raise,coach factory outlet, or lower, the attitudes of others? These are key questions to ask one’s self on the journey to self-awareness.

The group?s mission: to develop commercial relationships and increase exports to Chile, according to a press release from Pinellas County Economic Development.