April 29th, 2011
Broken Sound Luxury Home for Sale in Tanglewood
6329 NW 23rd Way, Boca Raton, FL 33496
Price Reduced: $739,900
View the Virtual Tour!
4 Bedrooms * 3 1/2 Baths
3,365 Living Area * Built 1990
Call or Text Me for more information 561-866-2927
View other homes for sale in Broken Sound and other Boca Raton Country Clubs
Boca Raton Country Clubs Searches
- The stunning setting of this lovely luxury home for sale in Broken Sound Country Club features an impressive circular driveway, tropical landscaping and a grand covered entry.
- The interior features high volume ceilings, formal living room and dining room, and an open great-room kitchen and family room area and luxurious master suite.
- Brazilian cherry wood floors in the living areas are a rich contrast to the volume ceilings and abundant light from the many windows and French doors.
- Updated gourmet kitchen has a wonderful serving / breakfast bar for easy entertaining and relaxing views over the pool and patio area.
- The home’s 1/3+ acre lot boasts a spacious backyard with a pool, and large covered patio and loggia for enjoying this fabulous Florida lifestyle.
Click on photos to enlarge them.
For more detailed information and a complete photo gallery and virtual tour on this fabulous Florida home visit our Broken Sound Tanglewood Luxury Home for Sale in Boca Raton listing page.
Broken Sound Country Club is nestled in the heart of Boca Raton and offers it’s residents an extensive selection of luxury Mediterranean-style homes and townhomes and fabulous Mizner-style resort amenities. Visit our Broken Sound Country Club page for full details and membership fees.
Call or Email Me for more information on any of the country clubs or other Boca Raton properties 561-866-2927
April 23rd, 2011
Lowe’s is celebrating Earth Day 2011 by giving away 1 million trees when visiting a local Lowe’s Store on 4/23/11. Visit their website at Lowe’s Earth Day and find a local store to receive your own Earth Day tree.
Lowe’s also has videos to help show how to do it yourself and help save water and energy around your home. Visit the You Tube video about Lowe’s Earth Day Energy Saving and Water Conservation Tips
Tips include reminders to check fix leaky faucets, reuse water by using a Rain Water Collection and Storage System, and keep a Brita Water Pitcher in your fridge for cold water instead of running water until it is cold. Brita Pitchers also help save plastic’s from entering landfills and help you have cool clean water at home anytime.
If you sign up for FilterForGood.com, you can also receive a $5 coupon good towards a Brita Water Pitcher. Another deal to help you clean up, Amazon is having a Spring Cleaning sale, with up to 30% off household vacuums, storage, and cleaning supplies.
Recycle Bank is another green initiative to inspire folks into recycling goods and earning rewards. The Recycle Bank “Green your Home” challenge walks you through your home, room by room, with tips and information that will help look at your home in a different way when it comes to spending and how to accomplish energy saving.
Additional ways to learn about Green living to help you conserve energy, benefit from recycling through Recycle Bank and reusing items.
- Buy produce locally through farmer’s markets. Even if organic isn’t in your price range, locally sustainable farms are a good step forward.
- Recycle bank, if available in your area.
- Use cloth towels instead of paper towels when possible.
- Dishwasher savings start when you do not pre-rinse, skip the dry heat cycle, and run your dishwasher only fully loaded.
- Use your “good” china more than just a few times a year. Enjoy the benefits and use less Styrofoam and paper products.
- Use surge protector power strips to turn off multiple electronics when you are done with them, such as cell phone chargers and small appliances.
- Swap kids clothes, visit your local goodwill or charity thrift stores – you will help a charity in need and receive clothes in good condition at a fraction of the cost.
- Instead of high lawn water bills, find plants that are native to your area and require less maintenance, or use a Rain Water Collection and Storage System to harness the power of nature.
- Go green by using an electronic e-reader, like a NookColor or Kindle, or download their Free applications to your computer, instead of paperback books.
- Free Kindle Gardening ebook – Gardening Without Irrigation: or without much, anyway
What ever you choose to do to help Mother Earth, enjoy your Earth Day Celebrations!
June 17th, 2010
RAPB Global Business Alliance Meeting – International Real Estate – Update on Belize and Argentina – June 9, 2010
I attended the Realtor Association of the Palm Beaches’ (RAPB) Global Business Alliance meeting this past week which featured NAR’s President’s Liaisons for Belize and Argentina, and who gave us an update on buying and selling in their countries of specialization. President Liaisons are NAR members and generally CIPS designees (Certified International Property Specialists) appointed by NAR President to serve as his or her liaison to each of NAR’s foreign Cooperating associations.
The 2 speakers were Aida Turbow – NAR’s 2010 President’s Liaison to Argentina and 2009 CIPS faculty Chair (pictured 2nd from right), and Robert Lowe – NAR’s 2009 and 2010 President’s Liaison to Belize and the current 2010 Florida Realtor’s Chairman of Global Business Committee (pictured at far left). Also in attendance and speaking to us about his recent trips to Europe and Asia were Tony Macaluso, (pictured at far right) and his wife Nancy Macaluso (pictured 2nd from left).
President Liaisons are NAR members and generally CIPS designees (Certified International Property Specialists), appointed by the NAR President to serve as his or her liaison to each of NAR’s foreign Cooperating associations. There are 50 PL’s that serve 60 countries with 80 associations – most countries do not have the same governing association, such as NAR with its strict real estate ethics, rules and laws. These liaisons work with the associations on setting up these laws, setting up trade missions and visits to and from their countries, and promoting the CIPS designations to these international real estate agents. When buying in these foreign countries it is important to work with a real estate property specialist that works to similar ethical standards as we do and is governed by some rules and laws.
Robert Lowe explained that Belize is seeing a significant increase in business and property investments from the United States and other countries – 250,000 tourists visit Belize each year with 50% Americans and another 14% Europeans. Belize is 2 ½ hours from Miami, and located in the heart of the Caribbean Basin.
Belize is a former British colony, English is its official language, and it has a legal system reflecting their membership in the British Commonwealth.
A recent survey by International Living magazine placed Belize among the top retirement havens worldwide. Foreign citizens can apply for classification in a special category for retired persons from outside the country, which provides relief from local taxes on income and import of household goods. Such retirement benefits add to the appeal of a lower cost of living, tropical climate, and close proximity to the United States. You can buy a beautiful home on the ocean for about $250,000!
Aida Turbow has long been instrumental in forging the development of international relations and agreements both in bringing buyers to the United States and providing opportunities for investment abroad. She brought us up-to-date on the latest initiatives of NAR to expand the agreements and organizations so they can further develop agents who adhere to stringent ethical practices.Argentina is a vibrant economy right now – there is a lot of development going on and many Americans and Canadians purchase property there. Argentinians have disposable income and also want to invest in Florida – they love South Florida!
International visitors to Florida have continued to increase, according to the most recent NAR study in January 2010, about 5 million international visitors came to Florida in 2005 and 2006, about 5,367,000 in 2007 and 5,391,000 in 2008. The top destinations for international visitors to the US were Florida with 23%, then California with 13%, Texas with 12% and Arizona with 8%. There were 80,000 international transactions in Florida last year and 50-60% of them pay cash.
Tony Macaluso has a wealth of information on the international market and a long history of awards and honors participating in NAR’s organizations and teaching the international CIPS designation courses in the US as well as in other countries abroad. He spoke to us about his recent trip to Eastern Europe and Asia teaching the CIPS courses, and how sophisticated and technologically savvy these real estate specialists and their countries are. In South Korea he taught the CIPS course and in the other countries of Japan, Romania, Bulgaria and Ukraine he taught a course on real estate code of ethics and agency, and how to do business with Realtors® in the US.
Nancy Macaluso has also been involved as an officer or director of many of our local, Florida and National real estate organizations, including Women’s Council of Realtors and was 2009 President’s Liaison to South Africa.
The Global Business Alliance of the Palm Beaches (GBAPB) is the international division of the Realtor Association of the Palm Beaches (RAPB) that promotes opportunities for networking, education and informational events, exposure to trade missions and the international market, and focus on the CIPS courses and designation.
For information on the Boca Raton Real Estate market, South Florida area, or more information on Belize, Argentina or any other international country, please call or text me at 561-866-2927 or send me an email!
For further information on NAR’s Global Business Alliances – President’s Liaisons, Cooperating and Ambassador Associations visit -
* NAR Global Business Alliances Home Page
* Global Alliances – info on President’s Liaisons, and Cooperating and Ambassador Associations
June 15th, 2010
Rates for 30-year fixed mortgages fell to the lowest level of the year last Thursday and near historical all-time lows. Following is a chart of the Freddie Mac Primary Mortgage Market Survey® (PMMS) showing last week’s average national rates (June 10, 2010 PMMS Survey) for 30 –year and 15- year fixed rates and 5- and 1- year ARM’s, as well as the Southeast Region’s average rates, and compared to the prior week’s rates and those of 1 year ago.
Freddie Mac PMMS Table – June 10, 2010
These are rates that show an average for a certain period – Freddie Mac collects mortgage rates on Monday through Wednesday of each week from lenders around the country. Rates can fluctuate significantly, even within a given day.
These average rates are also based on pristine, prime borrowers – single family detached homes, primary residence, 20% down, excellent income stability, and perfect credit with a FICO score of at least 740, and a clean, uncomplicated file. Again, these rates are approximate based on a certain date and actual rates a borrower receives will depend on their personal situation. There are different rates for condominiums, second homes and investment property, foreign buyers, down payment percentages, plus add-ons for other specific loan criteria. Areas of the country have different rates and all lenders do not offer all programs – mortgage underwriting is no longer cookie-cutter – it’s very customized to a person’s situation.
Fixed mortgage rates tend to track the US Treasury debt – these interest rates or yields were pushed down because of the increased money into Treasuries due to the turbulence in Europe, plus, following a relatively weak unemployment report, bond yields fell this week and mortgage rates followed.
Mortgage rates are at attractive levels, but the housing market has experienced a drop in new mortgage and refinance applications – they were 30% below the same week last year according to the Mortgage Bankers Association – and that’s probably a sign that the housing market is struggling without a tax credit of up to $8000 for first-time buyers, which expired at the end of April. Naturally whenever there is a deadline, there is a rush to get things done, but there is also usually a pause right after it. In Florida, it’s also the trend to see a slowdown at this time after the winter months which is the height of our season. For more info on the South Florida sales market see our Market Trends page and additional articles in the “Market Trends” category.
If you have any further questions about potential loans you can call me on my cell at 561-866-2927 or contact Noel Livingstone, who is a Senior Loan office at Sunbelt Lending. You can visit him at his personal webpage – and even apply for your loan – at Sunbelt Lending, Sunbelt Lending Noel Livingstone. He can be reached directly on his cell phone at (561) 843-1983 if you have any further questions.
As a side note regarding the tax credit deadlines, just in the last few days, Senate Majority Leader Harry Reid proposed a measure to extend the closing deadline to receive the homebuyer tax credit. The bill would only apply to buyers who signed a contract by April 30, but it would extend the deadline for closing from June 30 until September 30.
NAR states that 180,000 homebuyers who already signed purchase agreements could possibly miss the deadline – especially short-sales, which have more involved and lengthy processes to get transactions closed. It remains to be seen, however, whether the amendment will be approved. It’s part of a controversial jobs and tax bill Tax Extenders Job Bill that may be radically changed before the Senate approves it. Lawmakers are not scheduled to vote on the bill until sometime this week at the earliest. Borrowers should not count on the extension being passed, but proceed based on the current deadline.
For information on the Boca Raton Real Estate Market and South Florida area, please call or text me at 561-866-2927 or send me an email!
Related Blog Posts:
Buyer’s Estimated Closing Costs in Florida Mortgage rates in this example from 2007 were at 6.5%. Compared to the current rate of 4.73% on a $200,000 mortgage, that’s a savings of $220 per month – the difference in the principal and interest portion of the monthly payment at 6.5% ($1257.33) and 4.73% ($1036.80). Mortgage rates can make a substantial difference in your monthly payment or how much loan you can afford.
May 30th, 2010
A Tribute to the Troops – Lonestar performing “I’m Already there” Salutes our Armed Forces
Thank you for serving our country. May God bless you and bring you all home safely. Best wishes to everyone for a Happy and Safe Memorial Day!
For more information on national events and the history of Memorial Day visit these sites:
US Memorial Day.org
National Memorial Day Parade – Celebrity Lineup – Gary Sinise, Grand Marshall
View many more links to information on our:
Boca Raton Real Estate Blog Resources page
Browse our categories and other pages on Tools, Market Trends, Country Clubs, and Waterfront Condos and Single Family, and Search the site for neighborhood and real estate news. We are always adding new things to help you.
May 26th, 2010
Coldwell Banker has launched it’s own program in extending the $8000 tax credit momentum! While this program has nothing to do with the actual federal tax credit, many of the details coincide with the tax credit rules. Under the Buyer Bonus Sales Event, seller’s can voluntarily sign up to offer buyers a credit of 3% – up to a maximum $8000 – off the home’s accepted sales price, and to be applied towards the buyer’s closing costs.
In reality, the “credit” is simply a discount off a listing’s asking price that a seller has honored beforehand (the seller will be netting that much less in the final sale proceeds). Closing cost credits are common in real estate transactions, and can in some cases be more advantageous to buyers than a simple home-price reduction of the same amount, as it can mean that a buyer is not required to bring as much cash to the closing table.
Overview of Buyer Bonus criteria:
* The promotion begins May 1st, 2010 and ends July 31st, 2010 (the property has to be under contract by that date)
* No income limits
* No limits on the price of the home
* No restrictions on whether they were a first time home buyer or owned a home before
* Distressed REO or short sale properties are not eligible to participate
* Subject to the Buyer’s lenders requirements and limitations (if any), the buyer can apply the buyer bonus credit toward anything associated with the purchase price of the home that is contained on the HUD-1 Settlement Statement – from closing costs, to prepaid loan items (taxes/insurance, etc), mortgage rate buydowns or any other lender approved items.
* The closing credits cannot include repair items (these are not allowed by any lenders), as they could affect the value or appraisal of the property
* If a buyer pays cash, the seller can provide the buyer a credit for the full 3% Buyer bonus (not to exceed the $8000)
If you have any further questions about potential loans and what might qualify for seller credits you can call me on my cell at 561-866-2927 or contact Noel Livingstone, who is a Senior Loan office at Sunbelt Lending. You can visit him at his personal webpage – and even apply for your loan – at Sunbelt Lending, Sunbelt Lending Noel Livingstone. He can be reached directly on his cell phone at (561) 843-1983 if you have any further questions.
View Listings Participating in the Buyer Bonus Program on my:
Featured Homes page – Buyer Bonus Listings.
What kind of lender requirements may exist for buyers?
* The Buyer’s lender may have restrictions on the type of expenses the credit may be applied to and the total amount that will be allowed. Generally speaking:
* For a 90% or higher loan – many lenders will allow a maximum of 3% of the purchase price as credits or incentives.
* For a loan of less than 90%, many lenders allow up to 6% of the purchase price for credits and incentives. Each lender differs and the buyer must personally determine what requirements or limitations may exist with their chosen lender.
According to a company survey, about 34% of Coldwell Banker’s agents and brokers said the federal tax credit was the main reason their clients were looking for a home, and 28% said that the government credits’ limitations would keep some potential buyers out of the market.
For information on any of these Buyer Bonus listings, or the Boca Raton and South Florida area, please call or text me at 561-866-2927 or send me an email!
May 9th, 2010
Happy Mother’s Day – ‘The Gift of a Perfectly Ordinary Day.’
This is an inspirational video for Mother’s Day but also reminds us all on how to live and appreciate every ordinary day.
Best wishes to you and all your families for a very Happy and Wonderful Mother’s Day.
April 23rd, 2010
There are a lot of steps you can take to make your home more green, whether you are building new to LEED® certification standards or making remodeling improvements to an existing home, to create a healthier environment to live in, more energy efficient, and with less impact on the environment. It will also make it more attractive for resale since statistics show that more than 15% of people are looking for these home qualities.
Aqua Liana’s gardens (above) show a tropical landscape and water conservation setting for a LEED® certified oceanfront mansion in Manalapan, more fully described at the end of this blog post.
Home Remodeling or Improvements can save anywhere from 15 – 50% or more on utility bills and improve energy efficiency – this in turn affects air pollution and your environment, which means better air quality and less greenhouse gas emissions. Nearly half of all U.S. electricity comes from power plants that burn coal, according to the U.S. Department of Energy.
Villa Rica is a prior listing that I had that was totally remodeled and expanded by an Architectural and LEED® Accredited Professional (for himself). Here is the Energy Efficient Features and Finish Specifications List and this is the link to the full prior blog post – Boca Raton Real Estate Green Home East Boca. It was remodeled substantially to LEED® certification standards.
Here are some general improvements that can be made to your home and still provide design style and finishes similar to the most in-demand features of today’s homes – all of these features and more were used in the above renovation:
Appliances and Energy Efficient features:
- Using Energy Star rated appliances
- Gas stoves and high energy efficient gas clothes dryers
- Solar water heaters, full house generators
- Energy efficient, double-paned, tinted and insulated windows, skylights for extra natural lighting
- Sealing doors, windows and leaks with weather-stripping and caulking
- Low-flow water fixtures, shower heads and dual-flush toilets
- Making sure the HVAC system is running efficiently, ensuring a correct sized and annually maintained HVAC system
- Multi-level air filtration system – conventional membrane filter, electronic filter (for fine particles) and UV light filter (kills living organisms) – breath pure fresh air, healthy for people with allergies
- Adding more blown insulation (such as cellulose)
- Adding programmable thermostats
- CFL (compact fluorescent lamp) or LED lights (instead of incandescent bulbs), throw off less heat and are more efficient so they provide more hours of electricity for less cost
Interior Finishes and Exterior Features:
- Using low-VOC paints and finishes (volatile organic compounds – see An Introduction to Indoor Air Quality from the EPA for more information on VOC’s
- Using formaldehyde-free interior products in interior paint, carpet and adhesives, etc.
- Low-VOC flooring / carpeting (made from sustainable materials like bamboo, cork, or recycled and/or reclaimed products), or marble laid without grout – cleaner, low-maintenance finish
- Low-VOC kitchen cabinets (paint and stain finishes)
- Impact resistant windows – Miami-Dade County impact resistant 146 mile per hour rating
- Impact resistant garage door, finish walls with insulation with finished stucco interior walls
- Roofing example – Energy Star 150 mile per hour rated metal roof
- Planting deciduous shade trees and other eco-friendly landscaping that are hardier and require less water and maintenance
- Organic/ natural pest control and non-toxic supplies for pool /or no-chlorine pool
- Rain barrels to catch and recycle rain water
Other Remodeling Features:
- Using sustainably harvested wood labeled “FSC” (Forest Stewardship Council)
- Using countertops made from recycled content such as terrazzo
- Using rainwater harvesting system for landscape irrigation and to reduce storm water runoff
- Using low-carbon concrete
If you want to see an exquisite LEED® certified mansion on the ocean in Manalapan, “Aqua Liana” is available for sale at $22,900,000. If you, or anyone you might know, would like to see it please call me on my direct line. LEED® certification for residential new construction is available at several levels and is extremely stringent – this is the first ultra-luxury home to obtain triple “green” certification through the U.S. Green Building Council, the Florida Green Building Coalition and Energy Star for Homes.
“Aqua Liana” incorporates every design, construction and operation element of an environmentally responsible green home. Luxury features include a stunning entry foyer with a “water floor”, glass chandelier and sheeting water walls, aquarium wet bar, Hawaiian Koa-wood kitchen, other exotic hardwoods like coconut, bamboo, palmwood, and reclaimed teak throughout the home, meandering and swimmable water gardens, cooling landscaping, all on a 1.6+ acre oceanfront paradise.
The ultra-efficient air conditioning and purification systems, appliances, lighting, solar panels and insulation save nearly 60% on energy costs and provide superior indoor air quality. The water runoff collection system, reclaimed and renewable woods and recycling of over 75% of the construction debris that did not end up in a landfill additionally promote a whole home approach to sustainability.
Other resources for additional information:
NAR Field Guide to Green Homes and Green Mortgages
US Dept of Energy & EPA – Energy Star
US Green Building Council
Florida Green Building Coalition
Florida Home Builders Association
American Society of Interior Designers & USGB
Residential Energy Services Network
Other Green Home Blog Articles -
April 21st, 2010
Earth Day is celebrated every year on April 22 and this year… it’s the 40th Anniversary! Happy Anniversary Mother Earth! What are you going to be doing this glorious Earth Day? Send me some pictures of your favorite nature places and I’ll post a collage of pictures.
It is considered to be the first official day of Spring in the Northern Hemisphere and the first official day of Fall in the Southern Hemisphere (when it is celebrated there). Earth Day is a day designed to inspire awareness and appreciation for the Earth’s environment and is celebrated by more than 175 countries around the world.
Founded by former U.S. Senator Gaylord Nelson of Wisconsin, the first Earth Day took place in 1970 and was originally intended as a national environmental teach-in “to shake up the political establishment and force the issue onto the national agenda.” “Earth Day worked because of the spontaneous response at the grassroots level. 20 million people and thousands of schools and local communities participated. That was the remarkable thing about Earth Day. It organized itself.” – Gaylord Nelson Founder, Earth Day
Earth Week, April 16-22, originated in Philadelphia in1970. It was created by a committee of students (mostly from the University of Pennsylvania), professionals, leaders of grass roots organizations and businessmen concerned about the environment and inspired by Senator Gaylord Nelson’s call for a national environmental teach-in.
Forty years later, this April, 2010 the Earth Week Committee decided to make rare photos, video and other previously unpublished information about the history of Earth Week 1970 available to the public at Earthweek.us, which has more history and photos like the one below.
The entire cast of the hit Broadway musical “Hair” performed songs such as “The Age of Aquarius” and “Sulfur Dioxide” on April 21st, 1970, the eve of Earth Day, for an audience of about 20,000 in the large public mall across from Independence Hall in Philadelphia. The native American Indian rock band, “Red Bone” also performed both days.
Many cities now extend the observance of Earth Day events to an entire week in which April 22nd falls. These events are designed to encourage environmentally-aware behaviors, such as recycling, using energy efficiently, and reducing or reusing disposable items. Did you know… that recycling just one 3 oz aluminum can saves enough energy to power a 60-watt light bulb for more than 2 hours. Recycling aluminum cans saves 95% of the energy used to make aluminum cans from virgin materials. Every little bit helps.
Today, the celebration of Earth Day is primarily aimed at raising awareness and encouraging everyday citizens around the world to do their part in preserving the Earth, from recycling to reducing one’s carbon footprint. Celebrations of Earth Day are as diverse as the cultures themselves. The real beauty of this holiday, however, is the sheer range of events that take place in every country.
Here are some links to various sites with more information and events around the country and around the world.
- Wikipedia – Description of the Earth Day and Earth Week history.
- Whole Foods Blog – Celebrating Earth Month – various promotions throughout April on organic foods and eco-friendly living. Saturday, April 24th, from 12 – 4pm, there will be a Local Tasting Fair with food from local vendors, live folk music and various classes in the Lifestyle Center. Whole Foods offers year round information and events on living earth friendly.
- 4th Generation Organic Market, Boca Raton – April 22nd, all day event that begins at 2:00 PM until 7:00 PM. Receive discounts, fun activities and games for kids, smoothies and a preparation class with Chef Collin Cook! And remember… make everyday Earth Day!
- National Environmental Earth Week – National Environmental Education Week (EE Week), the nation’s largest environmental education event held each year the week before Earth Day, inspires environmental learning and stewardship among K-12 students.
- EarthDay – More info on Earth Day 2010 – with a listing of events around the world.
- EarthDay Network – Global Earth Day network – has info and photos from around the world
- Earth 911 News and Events – many articles and resource to look up recycling locations
- Earth Day Barry University – Farmers Market, bazaar, gardening, and prices
May 1st, 2009
Would you like to open up your windows and let fresh air into your home, but keep the pollen and allergens outside? Then you might be interested in a new Green Home Technology such as PollenTec Screens, which has only recently been made available in the US via . Its unique construction allows fresh air to flow into your home while filtering out up to 100% of pollens.
Testing was conducted by the European Center for Allergy Research Foundation (ECARF). The tests results verified that 100% of grass pollens, 99.71% of birch pollen, 93.1% of Stinging Nettle-pollen, 90.9% of Ragweed pollen were captured by the PollenTec screen.
The PollenTec screen material sells for approximately $10 per square foot, an average 24″ x 36″ size window would cost $75 to equip with the special allergy-proof screens. The screens can be installed by home owners, DIYers, builders, and contractors. Screens, Inc. can have a complete screen frame shipped directly to you or help find a screen repair company in your area to help install the screening in windows and sliding doors. There are many different screen models available, such as hinged, manual, motorized, and completely removable options.
To track pollen and allergen levels in your area, check out the National Allergy Forcast for Today, or simply sign-up and receive email alerts providing index levels for four different conditions: Allergy (Pollen), Asthma, Cold & Cough, and Ultraviolet Sensitivity.