 ST. PETERSBURG, Fla. — For Alex Pemberton and Susan Reboyras, foreclosure is becoming a way of life — something they did not want but are in no hurry to get out of.
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 If your home is currently in foreclosure, there may still be a chance to save it. As a result of lenders buying and selling mortgages your note could have changed hands several times over the course of the loan. But where is the actual note? In some warehouse somewhere? Make ‘em prove they own the debt they say you owe.
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 By Don Morse
When scouting an area for land parcels look closely at the surrounding parcels and the building improvements on them. Are they compatible with the vision that you have in the development of your land? Is the setting right for you? Would your intended home be consistent with the nearby structures? If there is no existing driveway does the road frontage of the parcel allow for a safe entrance or exit from the property.
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 Let's face it... there is a little pioneer in all of us. Many of us have dreams of buying land; designing a home which is a statement of our lifestyle and watching it take shape during construction. To avoid this dream becoming a NIGHTMARE you need to do your homework!
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 By Don Morse
Everything you always wanted to know about septic systems and were afraid to ask.
Most people are readily familiar with homes that are served by central or municipal water and sewer service. It’s pretty cut and dried…In the case of new construction there may be connection fees and then when you become a user you’ll be billed on the amount of water that you are using...
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