Welcome and thank you for choosing World View Guides as your resource for relocation and visitors information for your county! We strive to bring you the most current and relevant details available to help you decide how to spend your time while visiting or relocating and raising a family within your Counties’ beautiful and history filled boundaries. Whether its the rich area history, amazing local attractions, or natures raw beauty on display, we hope you enjoy your sneak peek into your county! County Info A Breif Overview of your great city International Buyers Guide
4 8
Pics of your county Pics of your great county
10
Recycleing is the key Ways to reuse and recycle
12
Business Help getting a small business loan.
21
World Views Guides Made By WorldViewGuides.com Book Editor James Graph Lead Sales Donna D. Sales Manager Stacy Johnson Website Designed and Hosted By YourMarkeingPeoria.com
Digital Magazine
Graphic Design J. J. Special Thanks To all contributors, advertisers, and photographers. Remember to go green and Always Share Your “World Views”
World Views Guides 309-966-0526 PO Box 2445 East Peoria, IL 61611 stacyworldviews@gmail. com worldviews309@gmail. com worldviewguides.com
Collier County is a county located in the U.S. state of Florida. As of the 2010 census, the population was 321,520. Its county seat is East Naples, where the county offices were moved from Everglades in 1962. Collier County comprises the NaplesImmokalee-Marco Island, FL Metropolitan Statistical Area, which is included in the Cape Coral-Fort Myers-Naples, FL Combined Statistical Area. History Collier County was created in 1923 from Lee County. It was named for Barron Collier, a New York City advertising mogul and real estate developer who had moved into Southwest Florida and established himself as a prominent land owner. He agreed to build the Tamiami Trail for what was then Lee County (Lee, Collier, Hendry, Glades & Charlotte Counties) in exchange for favorable consideration with the state legislature to have a county named for him. After the county was named, Collier was quoted
as saying “When I first came here on holiday with Juliet, I never expected that I would buy a whole region of it, nor did I expect to pay for the new Tamiami Trail, or half the things I’ve done. But I really didn’t expect to have a whole county named after me.” Geography According to the U.S. Census Bureau, the county has a total area of 2,305 square miles (5,970 km2), of which 1,998 square miles (5,170 km2) is land and 307 square miles (800 km2) (13.3%) is water. It is the largest county in Florida by land area and fourth-largest by total area. Virtually the entire southeastern portion of the county lies within the Big Cypress National Preserve. The northernmost portion of Everglades National Park extends into the southern coastal part of the county. Adjacent counties Collier County is located at the southern end of Florida’s Gulf Coast, and bounded by: Hendry County, Florida - north Broward County, Florida - east Miami-Dade County, Florida -
6
south-
east Monroe County, Florida south Lee County, Florida - northwest National protected areas Big Cypress National Preserve (part) Everglades National Park (part) Florida Panther National Wildlife Refuge Ten Thousand Islands National Wildlife Refuge Demographics As of the census of 2000, there World Views Guides
| 2015
were 251,377 people, 102,973 households, and 71,257 families residing in the county. The population density was 124 people per square mile (48/km²). There were 144,536 housing units at an average density of 71 per square mile (28/km²). As of 2000, 86.06% of the population was non-Hispanic White, 19.61% was Hispanic or Latino of any race, 4.54% was Black or African American, 0.29% Native American, 0.62% Asian, 0.06% Pacific Islander, 6.19% from other races, and 2.23% from two or more races. Languages spoken: 75.3% spoke English, 17.8% Spanish, 2.3% French Creole and 1.2% German as their first language. In 2000 there were 102,973 households out of which 22.70% had children under the age of 18 living with them, 58.10% were married
couples living together, 7.20% had a female householder with no husband present, and 30.80% were non-families. 24.50% of all households were made up of individuals and 11.90% had someone living alone who was 65 years of age or older. The average household size was 2.39 and the average family size was 2.79. The county’s population distribution by age was spread out but older than the U.S. as a whole, with 19.90% under the age of 18, 6.60% from 18 to 24, 24.60% from 25 to 44, 24.50% from 45 to 64, and 24.50% who were 65 years of age or older. The median age was 44.1 years. For every 100 females there were 100.30 males. For every 100 females age 18 and over, there were 99.20 males. The median income for a
7
household in the county was $48,289, and the median income for a family was $54,816. Males had a median income of $32,639 versus $26,371 for females. The per capita income for the county was $31,195. About 6.60% of families and 10.30% of the population were below the poverty line, including 16.20% of those under age 18 and 4.30% of those age 65 or over. The county continues to experience significant growth and is becoming increasingly diverse. As of the 2010 census, the county’s population had increased to 321,520, an increase of 27.9% over the 2000 census. As of 2012, the United States Census estimates the county’s popula-
tion at 332,427, an increase of 3.4% since the 2010 census. As of the 2010 census, 65.7% of the population was non-Hispanic whites, 25.9% was Latino or Hispanic, 6.6% was African-American and 1.1% was Asian. For the 2010 census, the Latino or Hispanic ethnic group represented the greatest source of population growth since the 2000 census, growing from 49,000 (19.6% of the total population) to 83,177 (25.9% of the total population. As of the 2010 census, the greatest source of population growth in the county since the 2000 census came from the Latino or Hispanic population which grew from 49,296 (19.6% of the total population) to 83,177 (25.9%
of the total population). Naples is a city in Collier County, Florida, United States. As of the 2010 census the city’s population was 19,537. Naples is a principal city of the Naples-Marco Island, Florida Metropolitan Statistical Area, which had a population of 321,520 at the 2010 census. Naples is one of the wealthiest cities in the United States, with the sixth highest per capita income in America, and the second highest proportion of millionaires per capita in the US. Real estate is among the most expensive in the country, with houses for sale in excess of $40 million.
World Views Guides | 2015
8
International Buyers Guide
Beautiful weather, some of the best beaches in the country, world class dining, limitless shopping, these are just some of the reasons that people from all over the world want to own a piece of our Naples paradise. Purchasing property in an unfamiliar market can be daunting. Here is some guidance that you may find helpful. First, find a Realtor. The way U.S. real estate transactions are carried
World Views Guides
| 2015
out differs from many other countries. Some rules change from state to state. However, the following applies throughout the states: The commission is paid by the seller. Buyers do not need to pay anything to have an agent work on your behalf. Information on properties listed for sale is shared by agents using a multiple listing service. This means that you do not have to work with the listing agent. Buyer’s agents have the same access to all available properties, including new construction communities, and together you can determine which homes best meet your criteria. This can save you considerable time. In fact, it is often preferred to work with a buyer’s agent as they will represent your interests, not the seller’s. Your Realtor will guide you through the entire process with no “scouting fee”. Real estate agents need to be licensed to operate. Certain education and examinations are required based on the state in order to be qualified to represent consumers with their real estate transactions. A real estate Broker is an agent that has an additional license that requires further education and specific experience. A real estate licensee or “agent” must work under a licensed Broker. Financing is another area that has different requirements
for foreign persons. It is possible to get financing, but be prepared to have 30-40% down payment. Some banks require a certain amount to be deposited with their institution. You will need proof of income, assets and good credit. It is beneficial if you open a bank account even if you do not need financing. It makes the whole process much smoother. If not, be prepared for time delays when wiring money and allow for currency exchange rates and fees when calculating dollars needed to be sent. Your Realtor should be able to refer you to financial institutions that work with residents of other countries. It is recommended that you get pre-approved before starting your search. Often, buyers find that it is beneficial to get a loan on
property they own in their home country so they can pay cash for the U.S property. In Naples 60-70% of buyers pay cash. Another thing to consider is how you want to take title. International buyers may take title to property the same as a U.S. citizen. However, there are certain concerns that you should be aware of. Such as, how the property would pass to your heirs in the event of death and what the tax implications may be. Your Realtor should not advise you, but most likely works with an attorney that is familiar with international real estate law and put you in contact with them. Taxes are
9
also a consideration. While property tax is assessed the same for citizens and non-citizens in the county, international buyers are not eligible for some of the exemptions that are available for Florida residents. Collier County has one of the lowest tax rates in Florida. Foreign Investment Real Property Tax Act (FIRPTA) that was created by the IRS states, in part, that 10% of the sales price of a property owned by a foreign person must be withheld when they sell the property. There are specific rules and criteria that determine the actual amount, if any, of taxes to be paid. Each situation is unique, so it is recommended that you consult with your real estate attorney to discuss how this may affect you when you decide to sell your property. (NOTE: Please check with your local taxing agency for any tax implications that may result from owning in the U.S.) After you and
your Realtor have found the type of property that best fits your needs in a community you desire, he or she should be able to show you comparable properties to determine the market value and guide you in the amount to be offered. The Realtor will prepare all required paperwork, present the offer to the seller’s agent, and negotiate on your behalf, if necessary. Once the price and terms are agreed upon and you have a contract, it is recommended that you have the property inspected to let you know if there are any major defects or problems. Again, a list of recommended inspectors should be provided by your agent. There are deadlines and obligations that must be adhered to as set forth in the contract. Your Realtor should monitor the transaction and keep you apprised of these contractual milestones.
The average time you can expect from the time of an accepted offer to taking possession is 30-60 days. Some exceptions would be short sales and new construction. You do not have to be present at the closing. Your Attorney and Real Estate Agent will facilitate all aspects of the transaction. It is very common for closings to take place via mail, email and fax. There are other things to take into account when purchasing in the U.S. Insurance, maintenance, management fees if using as a rental, and any other fees should be factored into the cost of ownership. There are many more details and variables with each unique transaction. This is just a brief synopsis of the process. Having a Real Estate Agent that understands and has experience with the process will be able to make your transaction smooth and enjoyable.
World Views Guides | 2015
10
World Views Guides
| 2015
11
NAPLES FUN FACTS Collier County, which includes the cities of Naples, Marco Island and Everglades City, is the largest county in the state with a total area of 2,305 square miles, and a land area of 2,025 square miles. At least 80% of that is set aside as preserve lands, including Big Cypress National Preserve, Everglades National Park, two national wildlife refuges, one national research reserve, three state parks, one state forest and many county, parks and nature preserves. 1. Naples named #2 best beach town in the country by RealtyTrac in 2014. In 2005, Naples was designated by the Travel Channel as having the Best All-Around Beach in America, and in 2006, Conde Nast Magazine named Naples on its Top 20 list of Best Beaches in America. 2. Naples named 11th happiest and healthiest city in America by Business Insider magazine 2014 3. In his book The 100 Best Art Towns in America, author John Villani named Naples the No. 1 Small Arts Town in America. There are at least 134 art galleries in the Greater Naples Area. 4. Naples has the most golf holes per capita in the country. There are 98 courses between Naples & Bonita. 5. The average temperature in Naples is 75 degrees. 6. The median age in Naples city is 62 (population 21K) Median age Collier County is 46 (pop. 330k+) 7. Stretching 99 miles from Everglades City to Flamingo, the Everglades Waterway is considered to be a paddling experience of a lifetime. With enough planning and equipment, canoe and kayak enthusiasts can paddle the length of the waterway in seven to nine days. Backcountry camping permits are required and can be obtained at the Everglades National Park Gulf Coast Visitor Center. 8. The western side of the Florida Everglades is the only place in the world where alligators and crocodiles are known to cohabitate. 9. The Florida Legislature designated Collier County as the Purple Martin Capital of Florida. 10. Everglades City has the reputation of being the Stone Crab Capital of the World. 11. The Corkscrew Swamp Sanctuary is regarded as one of the top bird watching spots in the United States. 12. Collier County is home to the endangered Florida panther. 13. The East-West portion of U.S. 41 , known as Tamiami Trail (Tampa to Miami) was largely made possible by the investments of New York tycoon Barron G. Collier, who offered to bankroll the completion of the project after the State of Florida ran out of funding in 1922. In exchange, the State carved Collier County out of a large portion of southern Lee County. It took 13 years, $8 million, and 2.6 million sticks of dynamite to build. 14. It snowed in Naples in 1977! Just enough for the local kids got to catch snowflakes on their tongue. 15. The most expensive home to sell in Naples was over 40 million dollars! World Views Guides | 2015
12
Environmentally Friendly Ways of Reusing and Recycling Paper, Books and Mags by: Reuben Frye
A
s consumers demand the need for more paper, whether it’s for newspapers, plain paper or books, we continue to cut down vast numbers of really old trees. It will take numerous years to see this turned over. Reusing and recycling paper is really important nowadays.
reuse and recycle.
always straightforward and can be made chalThe traditional means lenging by the stapling of recycling paper is of books and mags. by making use of reMagnets may be uticycling facilities. You lized to handle the will observe that where problems of metal and you dwell, there are op- recycling companies portunities to recycle, are constantly try to including in numerous find ways to better the cases your local grocery process.
Mags and books can be reused, it is only a matter of using our All paper, including imagination. Those old books and magazines, books and magazines are virtually wholly bio- store. You may notice are a fantastic learning degradable, meaning that your local area has resource for your kids they don’t clog landfills different bins so you and they will have the for many years and will can sort your paper for chance to give them to merely degrade into recycling. So that the other people in the funothing. The fact that paper can be usable ture. An old book will there is a need for more once again, the recybe of use to somebody paper makes it appear cling process should be else and it is not hard daft not to recycle as put in place. This saves for us give it this way. much as we possibly the trees and makes for can. That is why we a healthy environment. There are always places should Paper recycling is not like libraries that are World Views Guides
| 2015
13
happy to take your old books from you. Some libraries will take donations of old books and even magazines, providing they are in good condition. The library and the public will be more glad since they will have more reading choices. So instead of merely tossing a book or leaving it to collect dust, think about giving it to a library.
ing your old books.
for the wellbeing of the environment. There are To sum it up, paper is plenty of choices for us being utilized more and to recycle paper and to more but fewer trees. ensure that books and Beasts use trees as a magazines are reused natural home ground instead of thrown away. and they are essential
Books can also be sold instead of given away either locally or online. EBay and Amazon are popular places online where you can try sellWorld Views Guides | 2015
16
by: Allen Williams
W
ith budgets tightening the first area administrators often cut is their after-school programs and many booster clubs today can only assure their existence by self-funding. Most booster clubs, like other school groups, have come to rely on fundraising to help pay for their equipment and uniforms as well as their trips to out-of-state tournaments and competitions, often not paid for by membership fees. Booster clubs are willing
World Views Guides
| 2015
to try just about anything to raise money. But selling popular consumer items is one of the most tried-and-true methods available today. In fact, product fundraising programs help non-profit groups, such as booster clubs, raise nearly $1.7 billion each year, according to statistics. It is often the case that it is up to the booster club president to motivate the parents, coaches, teachers, students and other supporters so rally behind your president. Make sure everyone is moving in the right di-
rection to create a fun and successful event. SIGnaShirt Promotional Fundraisers are here to assist your booster club in reaching their goals. With Autograph Shirt Kits and other unique products. For additional information on how SIGnaShirt Promotional Fundraisers can benefit your organization, simply click the video link below. Evaluating products for your fundraiser should involve a few major points of decision making. First should you choose a tangible prod-
17
uct like SIGnaShirt Specialties Promotional Fundraisers or something less tangible such as candy bars and food items. Are you stuck making bulk purchases and taking the risk of harboring unsold stock items or should you go with a company such as SIGnaShirt Specialties Promotional Fundraisers, where everything is made to order, removing bulk order risk. (No Bulk Pre-Purchases)
motional Fundraisers Spread The Power of a that offers their clients a Smile with SIGnaShirt sales website to automate Specialties. your orders. And you can also view Upon careful analythe fundraiser program sis, we think when you in action and learn why evaluate SIGnaShirt Spe- SIGnaShirt Promotional cialties Fundraisers com- Fundraisers are rated in pared to other fundraiser the Top 18% for Innovaprograms on the market tion and Marketability at that you will choose to Fundraiser.Deco-Craft.
Should you go with products that are unbranded or branded products that will display your logo with the added benefit of free advertising. Do you really want to have your team selling door-to-door, given the security issues involved, or should you go with a company such as SIGnaShirt Specialties ProWorld Views Guides | 2015
Aries: Are you ready to
have your world of romance, creativity and relationships totally rocked, Aries? This year focuses so heavily on all themes related to your love life and integrating your opposite polarity (Libra). Get ready for a serious indoctrination on beauty, peace and justice. this year promises to deliver endless opportunities to perfect your skills in being the best lover and partner you can possibly be. This doesn’t mean you have to sacrifice your authentic, individual Firewarrior spirit, but it does mean you’re about to learn the art of compromise in a colossal way. Starting in March, the Nodes of Fate will move into your stars right before your birthday, preparing you for a new cycle focused on the ever-elusive balance between ‘self’ and ‘other’. You may feel you are still shedding old aspects of your personality that no longer serve you or your partnerships -- but the payoff is so worth it. You’re a true romantic at heart, ever in search of a truly beautiful and harmonious partnership, and this year just might be the year you get to truly live and experience this like never before. Speaking of love, another major bonus arrives just in time for summer when lucky Jupiter moves into your sector of romance and pleasure for a year.
Taurus: this year is the year
of expansion, fulfilling work and stellar wellbeing, Taurus! If you’ve
fallen prey to the typical Taurus legacy of neglecting your own needs and taking care of everyone else’s problems, this is the year to take your power and your life force back so that you can invest in a brand-new life. No, this does not make you selfish or uncaring, this makes you true yourself and with a greater capacity to give to your loved ones because you will
no longer be running on empty -- which is probably how you’ve felt over the past few years. You’ve certainly learned the art of releasing control in last year. The good news is that the fog is finally about to lift as the South Node finally moves out of your stars this March. You’ve been letting go of so many things -- from material possessions to antiquated concepts around values and security. In fact, you’ve relinquished so much that you may barely recognize your life at this point, Taurus. You’ve certainly learned to simplify your world in last year, and now you’re getting ready to go rebuild towards greater beauty and harmony. The focus of this year is all about
communication, work and daily ritual. If you’ve been promising yourself for eons that you’ll get your daily routine into better balance as in: more exercise, better sleep and less work, this is the year to make that happen.
Gemini:
All of your hard work is totally paying off in this year, Gemini! The rewards started trickling in throughout last year, but the real windfall of success is still yet to come. This is the year of perseverance and pay-off. Plus, the super lucky money spree that began late last year continues in this year. Take advantage of the first six months of the year to work the generous influence of Jupiter in your money zone. The bounty that started last July will continue all the way until summer, so stash some of this awesome surplus for potential rainy days down the road.
Cancer: You’re still riding
high as lucky Jupiter continues his generous tour through your stars in this year. Maximize this amazing good fortune for the first six months of the year before Jupiter moves on to your neighboring sign of Leo in July. Don’t fear that all of your luck will run dry when Jupiter leaves Cancer. The good news is that starting in July you’ll have the benefit of the big planet working on your money house for a year. If you’ve been waiting for a windfall in your finances, watch how drastically your money situation
improves starting this summer. Your confidence has been on the rise since last year, and the increase in self-esteem is about to pay off in myriad ways, Cancer. Yes, you’ve officially come out of your shell and now you’re in high demand, baby!
Leo:
Your star is about to rise and shine in this year, Leo. Are you ready for an amazing spell of luck? This summer, the planet of fame and fortune (Jupiter) moves into your stars, catapulting you to the rock star status you so desire and so deserve! Use the first half of the year to prepare on an inner level because the second half is going to explode beyond your wildest imagination. You’re dance card will be so beyond full, it’ll leave you very little time to keep up with yourself. Leo, you’re about to enter a cycle of goodness that only comes around once every 12 years, so prepare to party and live large like the royalty you are!
Virgo: This is the year
for vacation and retreat, Virgo! You’re known as the proverbial workaholic, but this year you’re about to totally transform your image. If ever there was a time to learn how to kick back and relax, it’s now. Although the first half of this year will continue with the crazy social frenzy that began in last year, by summer you’ll be ready to enter a phase of serious seclusion. Too much socializing proves to be incredibly taxing on your nerves, Virgo. You’re more sensitive than most, and it’s hard for you not to feel the pressure of wanting to help, nurture and support all those who come to you for your brilliant guidance.
Libra: If you’ve been a
sad and solo Libra, fear not; relationships take ridiculously high precedence in this year! You surely will not be alone. If you’re already hitched, expect a series of mind-blowing lessons and non-stop insight in the realms of romance and long-term commitment. This is your year to uncover and break through any codependent patterns once and for all. If you’ve been struggling with commitment issues (what Libra, doesn’t?) you will have tremendous support from Saturn and the Nodes of Fate to keep you from your usual fence sitting. The big shift takes place in March when the North Node of Fate moves into your constellation triggering a series of very fated, life-altering events and destined relationships that will unfold over the next few years. All of your relationships (not just romantic) will be radically transformed, as will you. The themes of balance, justice, and beauty will be all consuming starting in March when the North Node moves into Libra. You’ll feel right in your element as others will also be learning all about the art of diplomacy and compromise with you for a change. Life is about to feel infinitely sweeter in this year.
Scorpio:
The intensity continues, Scorpio! You’ve been through quite a ride in last year and you’re very clear that change is the only constant. With all of the trials and tribulations endured, you’re certainly stronger than ever. The metaphor of the Phoenix rising from the ashes (often associated with your sign) could not be more apropos this year. You’ve let go of so much during the last year and
now you’re preparing for a major rebirth. After shedding layers upon layers and ancient attachments, you’re ready for the new. This is your year to get crystal clear on what you’re most passionate about and commit to it in the deepest way possible. You are an all-ornothing sign to begin with, and this is a year when you simply must embrace your all-encompassing nature. You want to live life to the fullest, even if that means going to hell and back. It’s what keeps you feeling on fire and stretched to your max. You want to know that you’re growing and facing your deepest fears and insecurities, and coming back stronger for having done so. This is exactly where you’re at when this year kicks in.
Sagittarius: this year
could prove to be one of your most social years on record, Sag! The isolation you endured in last year is finally coming to an end. Nothing is more unbearable to your free-bird soul than the feeling of being sequestered! Luckily, this year proves to be just the opposite. If anything, you’ll be craving a retreat by the end of the year just to recover from the non-stop mixing and mingling. There’s so much emphasis on your house of groups, friendships and long-term goals that you’ll happily be back in the ambitious saddle this year. You live for goals, challenges and aiming sky-high. This is your year to totally push past every limit imaginable. You’ll even surprise yourself with how resourceful you can be. Plus, you’ve got so much support from friends, family and colleagues that you cannot possibly lose.
Capricorn: Get ready
for one stellar career year, Capricorn! this year could easily be one of your most successful years on record, thanks to a huge conglomeration of planetary energies pushing you to the next level with your professional goals. For one thing you’ll have the planet of drive powering up the top of your horoscope for an extended stay, January through July. Plus, the North Node of Fate will meet up with Mars in March in your professional zone through the end of the year, making the push to excel a dire necessity. Finally, add to all of this ambition the fact that lovely Venus will be kicking off the year in your stars for the first two months. She’ll be retrograde during your birthday month in January, urging you to revisit old values and relationships. You may even see old friends or lovers crawling out of the woodwork. When Venus moves forward in February, you can expect some serious sweetness in
your relationships -- and possibly some extra cash.
means learning a foreign language or furthering your education.
this year is the year of Aquarius: this year is the Pisces: major transformation and rebirth,
year to broaden your horizons and fly the friendly skies, Aquarius. The emphasis is on long-distance travel, philosophy and all forms of conscious awareness. If you’ve been hiding out at home, this is the year to get packing. Unprecedented adventure awaits. Life is sure to take you on some important journeys (literally, figuratively or both) on the quest for revealing the kind of mind-blowing truths that can only come from direct experience. You’ll have Mars firing up your house of travel for the entire first half of the year and quickly joined by the North Node of Fate in March. Wanderlust and travel fever could easily become daily themes, especially during the first half of the year. If you’re not able to physically travel, opt for activities that expand your mental and spiritual horizons, even if that
Pisces. You’re about to undertake such a massive personal renovation project that your inner world will never quite look or feel the same. Of course, this will in turn revolutionize your outer world in the most fantastic ways imaginable. The first half of the year continues to celebrate romance and pleasure in a big and fabulous fashion. The overwhelming abundance of love that started crashing into your dreamy world last summer will continue to flourish straight through July. It’s not a question of falling madly in love -- it’s a question of why it seems to be a daily occurrence. The spell won’t be broken until summer, so enjoy this incredible fantasy. Once summer comes you may have to choose and commit.
21
SBA Business Loan Criteria To Obtain SBA Loans by: Jassica Thomson W hile you t r y to obt ai n an on SBA
need to discuss the amou nt you feel
process is ext remely cr ucial. It is
busi ness loan there are cer t ai n re-
is necessar y for you r vent u re and
related with all the f i nancial st ate -
qui rements that need to be f ulf illed.
then specif yi ng the det ailed i nfor-
ments regardi ng you r busi ness ven-
Let us have a look at them below:
mat ion about how you will use these
t u re st at us. However, this scenar io
T he f i rst requi rement is to provide a
f u nds for you r busi ness. One thi ng
is com mon to ever y loan package
det ailed prof ile of the busi ness that
should be kept i n m i nd: Always read
that you will obt ai n f rom any where.
you are cu r rently r u n n i ng. T his will
caref ully all the schemes and plans
All the f i nancial st atements are re -
i nclude det aili ng of the busi ness
available before applyi ng. You need
qui red to be subm it ted per t ai n i ng to
t y pe that you are r u n n i ng. You will
to ensu re that you are choosi ng the
the last th ree years and also of the
also need to provide the t i me li m-
best scheme to meet you r needs and
present year.
it f rom when you are r u n n i ng this
requi rements. Unless you u ndergo
Not only the f i nancial st atements
busi ness. Also, any i nfor mat ion re -
but also cer t ai n other f i nancial cal-
gardi ng the overall sales, prof it and
culat ive sheets need to be i ncluded.
loss repor ts will also need to be dis-
T he accou nt payables, receivables
cussed. Fi nally, the tot al nu mber of
and the t ransact ions related to cash
people work i ng u nder you needs to
f low are also requi red to be show n.
be ment ioned along with the area of
T he major advant age i n this cr ite -
locat ion of the vent u re. Apar t f rom
r ion is that suit able proof can be
providi ng this i nfor mat ion, you will
provided th roug h some st atements
also be asked to provide all the busi-
the cor rect select ion and applica-
of cash f low on monthly basis to
ness operat ion related news. T he
t ion procedu re, you will f i nd that
hig hlig ht the fact that you can repay
next requi rement is the process to
you have achieved nothi ng as you r
the loan amou nt without any sor t of
select the cor rect SBA loan that will
applicat ion will be r uled out.
t rouble or diff icult y.
best meet you r pu r pose. You will
T he next step of the applicat ion
World Views Guides | 2015
Tankless Water Heaters- Tankless Water heater repair and installation for your home by: Trish
We all know hot water less water heater. Have you bill. This is why if you are is very much a necesfound yourself scratcha conservative or a home sity. Most of us have waing your head when the owner that simply wants ter heaters at home and electric bill comes, most to save money and endo not give it a second of us have. Depending on joy effective water heatthought, we just assume your household size and ing consider switching to we will have hot water on use, your conventional hot different system. It may a daily basis until you are water tank can even drive be time for to try using a standing in the shower your electric bills through tankless water heater. and the water goes cold the roof. because someone in the With electric bills soarother part of the house Did you know that most ing and people becoming decides to turn on the conventional heaters make more eco- friendly there water, trying to get the up for almost 20% of your are many people now dishes done after dinner household energy conconsidering having a tankand no hot water or we get sumption. Think about less water system. Do you ready for that therapeutic this for a moment 20% believe a tankless hot waevening bubble bath so we is a lot of consumption ter system is right for your can unwind or that morn- when you begin thinking home? There is no reason ing shower to get us going about the different house- why it should not be. The and there is no hot water. hold items that make up reasons for having a tankIf this sounds familiar it your electric bill clothes less verses not having a may be time to consider dryers, stoves, heat, wash- tankless system certainly that tankless hot water ing machines, lights, hair outweighs the disadvantank. dryers and the list goes tages. on. So when you think Let s discuss the advantage about it on this level 20% Lets review some of the s of replacing your old hot for the use of hot water is reasons why installing a water tank with a Tankquit a bit of your electric tankless heater could be
very beneficial: Tankless hot water heaters are energy efficient. You can cut your heating cost to up to 30%. Now think about this for a moment If your hot water is costing you up to 20% on a conventional hot water tank and your saving up to 30% on a tankless hot water system and the tankless is also eco -friendly well, this sounds pretty beneficial.
time, wow .no more be20 years and still maintain ing deprived of hot water its efficiency. in your home. It does not matter whether two or more faucets are running at the same time. But keep in mind speak to your professional plumber so they can advise you on what you may need as far as a whole house type of heater or what your options are by installing two or more of this type system to meet instantaneous hot water demand.
Water Heaters� work differently from the conven- You should know tankless tional water heaters. With water heaters are safer bea Tankless water system cause the system does not the water is heated only store water that can be a when it is needed. When breeding ground for bacyou turn on the faucet that teria such as Legionella. is when the Tankless heatKeeping the water teming system kicks in and at perature at an appropriate the same time the water temperature is important is heated (using a heating to keep these type of bacelement). That is why a teria s from thriving. Tankless hot water system is also called “InstantaPreventive maintenance neous or Demand. is still periodic same as a conventional heater but With tankless water heat- the cost is lesser. The next ers there is constant flow great advantage of a Tankof hot water, so this allows ess water system if you do everyone in your home to what the manufacturer have hot water at the same requires, it can last up to
W
A Local Perspective
elcome to Naples! What started as a small fishing town decades ago has become one the world’s most sought out destinations. Naples has so much to offer, and Kristi Castle and Melody Shores-Klein are available to help you find the best kept secrets of this beautiful city. From country roads to country clubs, Naples has seen quite a shift over the last 20 years with businesses relocat-
ing here, families choosing to settle down here, and the cultural explosion that has occurred here. As longtime residents of this city, Kristi (over 30 years) and Melody (all her life, she won’t say HOW MANY years!) know just about everything there is to know about Naples, including the “locals” top secret and favorite places. So, they decided to put a list together of not just great restaurants, but also things to do, see, and hear in fabulous Naples, Florida! Right off the bat, the beaches are, of course, a must do. Naples
beaches are world renowned for their sugar sand and stunning sunsets. They have consistently been chosen as the best beaches in the country. Which beach should YOU go to? Obviously, the Naples Pier is a landmark. With plenty of room to fish, or just hang out on the beach, the Pier has survived Hurricane Donna and millions of visitors, and will not disappoint. Maybe you prefer a more secluded beach? Just head south on Gulf Shore Blvd, and there are “finger” streets with parking and access the beach. Or, you can venture just a bit north to Wiggins Pass State Park. This is a state run facility, with beautiful beaches, grills, picnic tables, and even a pavilion available to rent for those large beach events! Seagate and Barefoot Beach are a little less known and our favorites. Naples offers some of the most unique dining experiences around. Everything from sandwiches to fine dining, whatever you crave, we have! Some of our most favorite LOCAL eateries are Grouper & Chips, Flaco’s, Inka’s Peruvian Kitchen, Naples Pub, Mama Mia’s, Jimmy P’s Butcher Shop, Skyline Chili, Pelican Larry’s, Pastrami Dan’s, and Spanky’s Speakeasy. Waterfront favorites are Buzz’s Lighthouse, The Turtle Club, M Waterfront Grille and Kelly’s Fish House. So many to choose from. Let us know what you are in the mood for and we will point you to neighborhood
favorites.
For a sweet tooth, visit Grace & Shelly’s Cupcakes, Norman Love Chocolates, and Royal Scoop Ice Cream. Two of our favorites, 5th Ave.Confectionery (formerly The Serious Cookie Company) and The Mon“Key” Bread Factory are conveniently located in Tin City by our office. Another great place is long time favorite The Naples Winery which is known for its award winning wine made from Florida citrus. This also happens to be located next to our real estate office. Needless to say, being located between chocolate and wine, we are a happy, happy, and happy! Now, you’ve been to the beach you’ve got a full belly, and you’re looking for an adventure! Head south on US 41, towards Miami, and you will come to Shark Valley. Don’t let the name fool you, there are NO SHARKS in Shark Valley, but there ARE alligators, and LOTS of ‘em! This is a great place to bring your bikes, and see the glory of the Everglades National Park. There is a lookout tower at the end of the path, and the view is spectacular. You will probably have to share the path with some gators, but they are ex-
tremely docile, and won’t bother you. That’s not to say you should try to pet one, but some pictures to send back home is doable! If you haven’t heard the warning though, DON’T FEED THE ALLIGATORS! This just makes them not fear humans, and they could become aggressive. Another great outing is Palm Cottage in downtown Naples, right
way to get around. It will take you all over town and you can get on and off as you please for one price. Shopping happens to be Kristi’s forte. If you want to know where to find something just ask her. Of course, we must tell you about Tin City. This waterfront marketplace is Naples’ original shopping sensation. Originally
operations in Tin City. Oh, did I mention this is where our real estate office is located? We have the best location in Naples. Everyday is a fun experience for us as we get to meet so many different people from all over the world. What about the young’uns? We have a wonderful children’s museum, a waterpark, all kinds of kids day camps, dancing, pottery,
by the pier. If you would like to experience some Naples history, Palm Cottage is a must. You can tour the grounds, and see what Naples was like before the secret got out. Also, the Naples Depot Museum is a must for train and history lovers alike. It’s listed in the National Register of Historic Places, and shows the transformation that happened in Naples once the railroads came to town. Shopping? Don’t get us started! Treasure hunting in the countless consignment and thrift shops is always fun. The malls, upscale boutiques in downtown Olde Naples, Waterside shops with Saks and Nordstroms, quirky little one of a kind shops, we know them all. The Naples Trolley is a great
a 1920’s clam shelling and oyster processing plant, and the hub of the fishing industry. Tin City was converted to a marketplace in the 1970s. With it’s quaint boardwalks, tin-topped buildings and bayfront shops and eateries overlooking the working docks of Naples Bay you can shop, eat, watch the dolphins, take boat rides, and get a history lesson with all of the old photos along the hallways. Authentically Naples, Tin City lets you discover local treasures of yesterday and today. You can get a little taste of everything at Tin City.. Our shopkeepers are all local business people who scour the market to find merchandise that is appealing to locals as well as to visitors. There are no chain
take a tour on the Segway, anything you can think of. Melody is the expert on that as she has three daughters! This is no longer what we used to fondly refer to in the 80’s as “God’s waiting room”! The median age is 64 in the Naples city limits. This is the downtown area and along the beach, but in the rest of Naples (Collier County) the median age is 46! There must be lots of kids as Naples has 23 elementary , 9 middle, and 8 high schools. And that doesn’t include Marco Island and the Everglades. Naples is still mistakenly thought of as strictly a retiree community but is is quickly evolving. We do have everything retired person could want, but we have so much more. Actually, we only have a
handful of 55 and over communities left. We do have communities that are geared towards active seniors and some are geared towards families and some are a little bit of both Then there is golf! Naples is the golfing capital of the world. We have over 95 courses in the Naples-Bonita area. There are public courses, private courses, country clubs, bundled golf communities, golf equity and nonequity. Memberships from $5000 to $150,000 The Ritz Carlton not only has a beach resort here but a Golf Resort! If you are a golfer then you know that Naples has some of the most impressive courses anywhere! We could write a whole magazine on just the golf in Naples. We have compiled the most comprehensive list. Give us a shout if you would like one. We of course cannot forget the
obvious water activities. If water sports is what you want this is the place to be. Rent sailboats, charters, jet skis, water ski, fish on the bay or out in the Gulf. You can also take a sunset dinner cruise. Take a boat tour of Naples Bay and and get a glimpse of Port Royal where homes cost as much as $50,000,000. (yes that is million) as the dolphins chase after you. You must also drive along Gulfshore Blvd. and Gordon
Drive to get the whole effect. We love Naples! It is called the Paradise Coast for a reason. It doesn’t get any better than this. So now you have your very own personal guide to not only the “known” sites to see, but some of the favorites of Neapolitans and newly appointed “locals”. There are so many wonderful places and experiences that Naples has to offer, these are but a few. We didn’t even mention the museums, the art galleries, the performance art facilities, the free concerts in the park, church on the beach…. you get the idea. We could write a book (maybe we will) about Naples and why we love it. We are available for tours of the city, or stop by our office, Gulf Breeze Real Estate, in Tin City and just let us tell you about the real Naples. It has a very interesting history that we longtime residents know about that isn’t particularly public knowledge. We love to tell stories! Maybe we can help YOU become a local! We know Naples and we would like to know you! Kristi & Melody