Lease-Purchase Options Give Buyers the Advantage

Lease-purchase agreeements normally benefit  the buyer… rather than the seller. 

A buyer can choose to exercise his/her option to buy … or he/she can walk away.

Price and terms are typically negotiated upfront – and put in writing … (time frames, lease terms, any portion of the lease that is to go toward the purchase price, dates by which the tenant must exercise his/her right to convert,  any financing contingencies, cash requirements,  downpayments,  whether subject to appraisal – or not,  inspection requirements, etc).

If the real estate market drops , the buyer can renegotiate the terms … or bow out.  If home prices soar, the seller is locked in. 

It’s the buyer who decides whether to move forward …  while the seller is obligated to sell.

Looking to buy, sell or lease property in South Florida?  …  Contact Vicki Restivo or Alexandra Hechtman at EWM Realty Int’l  305 793-1365



real estate lawyer real estate investors

Drugged Driving Plays Major Role in Traffic Deaths

The title above comes from a September 27, 2013, article on exposing the large number of accidents caused by drivers under the influence of prescription drugs. The article is based on research to be published in the upcoming November 2013 issue of Accident Analysis & Prevention.

In this study, researchers from Columbia University's Mailman School of Public Health analized the risk of a fatal crash associated with driver drug use, as well as the combination of drugs and alcohol. They found that drug use is associated with a significant increase in the risk of fatal crash, particularly when combined with alcohol.

The results of the research showed that drivers who tested positive for drugs were three times more likely to be involved in a lethal crash than those who tested negative. Depressant drugs were shown to be the highest category of drugs associated with a fatal accident. When the researchers looked at the statistics for drivers using alcohol and drugs they found that fatalities were more than 13 times higher for those who were alcohol-positive but drug-negative, and 23 times higher for those who tested positive for both alcohol and drugs.

The author, Dr. Li, professor of Anesthesiology at Columbia, notes, "The possible interaction of drugs in combination with alcohol on driving safety has long been a concern. While alcohol-impaired driving remains the greatest threat to traffic safety, these findings about drugged driving are particularly salient in light of the increases in the availability of prescription stimulants and opioids over the past decade."

Chiropractic has long been an alternative to drugs for people with many health concerns. "Chiropractic care offers an evidence-based, non-drug approach to effectively addressing many common conditions, and should be the first option of care," states Gerard W. Clum, D.C., spokesperson, Foundation for Chiropractic Progress. "Doctors of chiropractic (D.C.s) have the diagnostic skills and training to evaluate and provide appropriate care and rehabilitation, including counseling on nutrition, ergonomics and lifestyle. Evidence confirms that the care provided by a D.C. is linked with better clinical outcomes, greater patient satisfaction and noteworthy cost savings."

Dr. Braile, a past president of the International Chiropractors Association, commented, "Our society takes too many drugs. Numerous reports speak to the dangers of prescription drugs from side effects and long term health issues. Now, with the added knowledge of drugged driving and accidents, it is prudent that we turn to non-drug approaches to healthcare. Chiropractic is a drugless profession that, in light of this new study, offers additional public safety benefits."


chiropractic adjustment chiropractor colleges

Is it sensible selling real estate without a realtor?

Is it sensible selling real estate without a realtor?

Is it sensible selling real estate without a realtor?

It would be foolish to suggest that the worldwide property market is anywhere near the highs of 2008, prior to the US mortgage collapse, but there is certainly interest in many areas of the world. Some of the more depressed real estate markets in the US are now attracting the attention of value buyers looking at the longer term with some property owners now under pressure to sell to reduce their financial liabilities. So, is it sensible selling real estate without a realtor?

The Internet has opened up various opportunities for people to cut costs and to reduce the time taken to sell properties. In some ways it has given people false confidence to go down this particular route because while selling real estate without a realtor can save you significant fees, there are risks!

Contacts in the industry

If you go down the route of looking to sell real estate yourself there are ways and means of doing this but there are also issues if you get it wrong. The paperwork with regards to the sale of the property needs to be perfect, everything needs to be in place and ultimately you need to guarantee will receive the money you were promised. There is the potential to save significant costs here but perhaps we should be looking at this from a different angle?

Quote from : “While eBay is perhaps the best-known auction site in the world, craigslist has grown into an enormous marketplace. Whatever you are looking for, whatever products, whatever services there is no doubt there will be somebody on craigslist offering these around the world. Many companies such as craigslist have attempted to break into the real estate market but is selling real estate on craigslist as safe as it is using a realtor?”

As a professional realtor basically makes their living selling property at the highest price there is every chance that they could instigate a potential mini auction for your property. By contacting people they know in the industry, often large-scale investors, there is the ability to push the price of your property sale beyond what you could hope to expect if doing this yourself.

Do realtors pay for themselves?

The bottom line is that if you have numerous bidders looking for your property then they will likely push the price higher than what you could expect with just one bidder. This is the job of a realtor, instigating interest in your property and obtaining the best price. In many ways this is a win, win situation because the realtor will guarantee themselves a higher commission and you will obtain a higher price for your property.

When you bear in mind the various commission rates payable to realtors of today it would not take a major improvement in the sale price of your property to pay for their services. There are also the various regulations under which realtors operates and the protections offered to both buyers and sellers. Would a buyer be confident completing a transaction with somebody who refused to involve a realtor? Would you be confident handing over the keys to your property without the relevant safety net of regulatory protection if something went wrong?


There are many people with experience in the real estate market and there is no doubt many people outside of the realtor industry could and have completed sales in the past. However, in light of the 2008 mortgage crisis the regulatory hurdles have increased, buyers and sellers are looking for more protection and ultimately you may save yourself a few dollars selling your property privately but are you getting the best price?


real estate agency real estate listings

Outcomes of Usual Chiropractic; Harm (OUCH) Randomised Controlled Trial of Adverse Events

Chiro.Org Blog: This was the first study to use a sham-controlled design to examine adverse events after chiropractic treatment. A substantial proportion of adverse events experienced during chiropractic care for spinal pain may be the result of natural symptom fluctuation or from nonspecific effects. Adverse events were common in both the usual chiropractic care and sham groups, but no important differences were seen between the groups and no serious adverse events were reported. […]


education of a chiropractor chiropractors education chiropractic adjustment chiropractor colleges chiropractor salary

Redmond Home Prices Rise 14% As Total Sales Jump 25% YOY

Home sales in Redmond continue a strong climb as we head into the usually slower winter months.  Total sales, pending sales, and median home prices are all outpacing last year’s numbers by significant margins.

Redmond Residential Home Sales Totals, Median Home Prices

Redmond homes for sale

The median home price for residential sales (single family homes) in October was $627,500.  That’s 14.1 percent higher than it was during October of 2012, when Redmond’s median sat at $550,000.  This October also posted a 2.1 percent gain over September’s home prices.

Total sales in Redmond were also up a healthy margin.  109 single family homes were sold in Redmond in October, a 6.9 percent gain compared to September’s sales of 102 homes.  Even more strikingly, the year-over-year sales trend shows a 25.3 percent increase in home purchases.  Just 87 homes were sold in Redmond in the same month, one year ago.

Redmond’s real estate market, for now, seem to be stronger than the traditional seasonal real estate cycle.  While home sales will inevitably fall as we hit December and January, the strength of the market is clear and 2014 looks likely to continue the upward trend.


New real estate listings in SeattleDetailed Seattle home searchWhat is my Seattle home worth?


© – Sam DeBord, Managing Broker, Realtor

State Director, Washington Association of Realtors
Coldwell Banker Seattle: Coldwell Banker Danforth & Associates
Twitter | Facebook | LinkedIn | Google + | Sam (at)

Source:  NWMLS Stats – The Northwest Multiple Listing Service did not compile or publish this information.

Stay informed:  Subscribe for automatic email updates


real estate management island real estate

What Will A World Without Antibiotics Look Like?

It has known for some time that antibiotic-resistant bacteria exist, and can actually communicate their resistance to each other. The rate and transmission of the resistance is reaching new highs, however, and our antibiotic weapons in the fight against bacteria are becoming less and less effective. Some foresee a day when antibiotics will actually be completely ineffective.

One man says that they already are.

Dr. Arjun Srinivasan, an associate director at the United States Centers for Disease Control and Prevention, paints a startling picture of modern medicine. He says, “We know that there’s a lot of overuse, of misuse of antibiotics, and what’s discouraging about that is it’s been an issue for a very long time.” His entire interview, which is well worth your time, can be found here.

He says that it is time to take action, both in hospitals and in the community. He says:

So we’ve recommended ways to prevent the spread of these bacteria.

We’re also calling upon people and trying to educate people about how to improve the way that we use antibiotics in our hospitals and outside of our hospitals, because we know we have to approach resistant bacteria on two different fronts.

We have to prevent them from spreading when they develop, but we also have to take steps to stop them from developing in the first place, or at least slow down their development. And the best way to do that is to improve the way we use antibiotics.

Antibiotics are generally used to combat an infection. Infections occur when bacteria overwhelm the body’s natural immune systems, both the physical immune system (like your skin) or the cellular immune system (like your immunoglobulin response).

Beyond using antibiotics better and more effectively, it is likely that public health officials will begin looking for ways to prevent infections in the first place. Most of these ways involve creating the strongest natural immunity possible for each individual, including washing and cleaning wounds immediately, proper dietary considerations, reducing stress, etc. Chiropractic care is considered a way to naturally help the neuroimmune system to function properly and reduce stress.

Antibiotics also should not be overused. Many doctors have begun adopting the practice of “watchful waiting” when it comes to relatively common conditions such as sinus or ear infections. Chiropractic care has also been suggested as a positive and non-invasive way to help the body resolve these types of infections.

As the world begins to move towards better husbandry of antibiotics and their use, I believe it will also look for better ways to promote healthy immune systems and prevent infection in the first place. I believe that chiropractic care will continue care have an essential role in health care of the future.


chiropractic clinic chiropractor college

Sitting Long Periods Increases Heart Attack Risk

It is well documented that sitting for extended periods in front of a computer doing repetitive movements is a primary cause of back, neck, and upper extremity pain, even carpal tunnel syndrome. But are there other health risks involved? What…


chiropractor schools schools for chiropractors association of chiropractors chiropractors association chiropracter

Peoria: Free Lung Cancer Screenings in November

The Peoria Journal-Star reports that both OSF and Methodist hospital systems will be offering FREE lung cancer screening tests in the month of November for high-risk patients. November is Lung Cancer Awareness Month, and, if you qualify for the free test, you should certainly take part! Knowledge is the first step in fighting cancer.

To qualify for the free lung cancer screenings, you must be:

— Between the ages of 55 and 80
— Have no current symptoms of lung cancer
— And either a current smoker with a significant history of smoking (30 pack-years, which can be defined as variously as a pack a day for 30 years or three packs a day for 10 years)
– or a former smoker who quit within the last 15 years and also had a prior 30 pack-year smoking history

If you think you qualify for a free test, the Peoria Journal-Star gives the contact information as “contact Methodist at 671-8296 or St. Francis at 624-5864.”


chiropractors salary bone doctor