2019 REAL ESTATE BOOKS


Who Do You Wish To Pay?: Yourself, Or A Landlord?

By Richard Brody

Although the question, might appear, overly simplistic, and/ or obvious, it really, may not be! Do you wish to pay, yourself, or a landlord? While, perhaps, in an alternate reality, we might be able, to answer this simply, but, there are scenarios, considerations, etc, which might make this, somewhat complex, and/ or, complicated! With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, both, the advantages of owning, a home, of one's own, but, also, certain times, and conditions, when, renting, might be, in someone's, personal, self - interest.

1. When renting makes the most sense?: For some, owning is only a dream, because they, either, do not have good - enough, credit, and/ or, the savings, and funds, needed, to qualify, and/ or have the down - payment. This may be a short - term scenario, or a longer - term, one, and it is wise, for someone, to always, proceed, with a customized plan, and focus, on their strategy, into the future. Others are better served, by renting, because, they are new, to the area, and aren't sure, where they want to live, etc. Renting provides them, with the short - term, flexibility, to do, what's best, for them, and to proceed, with judgment, and realistic focus, etc. Others fear the responsibilities and necessities, of home ownership, including, maintenance, repairs, and unanticipated expenses, etc. Before buying a house, a wise, qualified, potential home buyer, must understand his personal needs, fears, and whether, he is willing to expand the limits of his self - imposed, comfort zone!

2. Advantages of buying: Making the decision, to purchase a home, is one of the most important ones, we make. Instead of proceeding, in a haphazard way, it is important to strategically, prepare, with a well - formulated, personal strategy! Are you prepared to be a homeowner? Are you disciplined, enough, to commit, to creating the financial reserves, for the necessary, down - payment, unforeseen contingencies (such as job interruption, financial reverses, etc), and separate, realistic reserves for repairs, renovations, upgrades, appliance repair/ replacement, fixed costs (such as utilities, mortgage payments), etc? Will you check your credit report, and make the optimal adjustments/ repairs, to enhance your potential, to qualify for a mortgage? When you rent, you pay your landlord, but, when you own, you build significant equity, for your own, best interests!

Buying, versus renting, is a significant personal decision, and action! Will you make a meaningful, quality decision, which serves your self - interest, etc?

Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands, conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson, for a decade+. Rich has written three books and thousands of articles. Website: and LIKE the Facebook page for real estate:


Why Some, Who Can Afford To Buy. Rent?

By Richard Brody

Many people appear, to automatically, believe, people, who rent a place to live, aren't able to afford, to buy a home. However, many individuals, don't want to own a house (prefer to rent), for a variety of other reasons. This may be, because they are uncertain of how long, they will live in a specific area, whether they will enjoy the particular neighborhood, aren't comfortable with the unknowns of home - ownership, or don't want the responsibilities, etc. With that in mind, this article will briefly attempt to consider, examine, review and discuss, some of these reasons and considerations.

1. How long will they live somewhere? Therefore, renting, rather than owning, makes a lot of sense, because, there is no need, to make a definitive, longer - term, decision, and, when one rents, he is, able to be more secure, because the risks, are minimized.

2. Will they enjoy the particular neighborhood? Many believe, it's nearly impossible, to know, in advance, if he might enjoy any particular neighborhood, until/ unless, he resides there, first! Will the neighborhood meet their needs, in terms of happiness, fulfillment, convenience to transportation, entertainment, dining, conveniences, etc? How will you know, if you'll like the neighbors, unless you feel comfortable, etc?

3. The unknowns of home ownership: Will you be prepared for the associated responsibilities, of owning a home? When you rent, if there's a problem, you contact your landlord, and most things, are his responsibility, instead of yours. Most homeowners are not necessarily, handy, and, therefore, must hire a professional, such as a plumber, roofer, heating specialist, electrician, etc. These are often costly, inconvenient, and even stressful, and many, don't appear, ready, willing, and/ or able, to feel comfortable, with these responsibilities. For some, therefore, renting, makes a lot more sense, than owning!

While many believe, home ownership, is an essential component of the American Dream, this is not, what's best, for some. This explains, perhaps, why we have witnessed, an increase in luxury rentals, in recent days, and, why, with the escalating costs of home ownership, it might suit certain people's aims, into the future.

Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands, conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson, for a decade+. Rich has written three books and thousands of articles. Website: and LIKE the Facebook page for real estate:


Tips for Making Your Neighborhood More Eco-Friendly

By Desare A Kohn-Laski

It's not just your house that you should be concerned enough to turning green. After exerting efforts to make your place as sustainable and as eco-friendly as possible, why don't you do homework together with your neighbors and turn your neighborhood into one that is eco-friendly too. Here are some tips.

Sharing garden space. Why would I share my garden with my neighbors? There are various benefits you can get from this act. First, your unused garden can be a space that supports plant and flower life. It can be turned into one that yields fruits and vegetables. There are organizations that are willing to give seeds in return of the favor of using your garden for their activities.

Establishing neighborhood cooperatives. A lot of success stories have been told about the establishment of neighborhood cooperatives. These can range from types that support the collection of recyclable wastes from the neighborhood and turning them over to larger recycling facilities in exchange for cash. The recyclers can often drop by at your designated place in specific intervals to pick up what you have collected. This is an efficient way of teaching your neighbors the importance of solid waste reduction.

Neighborhood coops can also be the types that produce processed or bottled foods, baked goodies, and other small scale profitable ventures.

Encourage the holding of swap days. It takes a lot of energy to make new things. It will also involve raw materials which are mainly coming from nature to make some of the thing you usually like. Taking inspiration from the old barter system of our ancestors, why don't you initiate the staging of swap days among your neighbors every weekend.

This is a great opportunity not only to score the stuff you like but to also make friends with your neighbors. It will strengthen cooperation among neighbors while allowing each and everyone in your community to partake in conservation efforts.

If you're good at baking, why not bring in some of your goodies. Who knows you can exchange it for a vase that is very fit for your center table. There are a lot of possible trades that can happen. You can even make it a swap party anchored with a weekly theme so things for swaps will have some variety.

Making your neighborhood an eco-friendly one can also be a goal towards developing a place that is harmonious and where people are always willing to exert an extra dose of helpfulness.

For other real estate concerns, your local real estate agent is just a call away. He or she has expert advises that can be helpful in owning an eco-friendly house.

Desare is an experienced realtor and Military Relocation Professional servicing the counties of Palm Beach, Broward, and Miami-Dade. With a team of 90 real estate agents under her, your chase for your dream house will be an easy and flawless one, assuring you to obtain all the professional assistance they can give. For more details about her services, hop on to http://www.skyelouisrealty.com.








Is It Time To Upsize My House?

By Desare A Kohn-Laski

Years passed and you may already have offspring living with you. What started out as a comfortable life with your partner may now become complex. Priorities have changed. It is more of you're thinking of your children's future first before your personal advantages. You may also come into realization that your house has become constricted because you have expanded. This not considering that multiple generations of your family may come to live in one roof in the years to come. Is it time to upsize? If you answered yes, here are some suggestions for upsizing.

Expand existing square footage of rooms from available space. Do you need larger bedrooms? Or do you want to expand your bathroom or kitchen? Whichever parts of the house you want to increase the footage, you always have to analyze which will be more beneficial. For instance, if you have toddlers and plan to have more on the way, then it is ideal to have larger bedrooms. But if you decided that your current number of children are enough and that they are already in their teens and early adulthood, then upsizing the bathroom or the kitchen will be more beneficial.

Consider a total move out from the city. Comparing the prices of homes in the city and those from rural areas may give you an idea that it will be better to have a total move out. Again, this option requires careful thinking. It will be difficult if you become attached to the norms of city living especially if you have become accustomed to the fast-paced lifestyle it offers. However, if you're planning to leave a property which has enough size to your children, then a move out is a great option. It may not be the best, but it still is a possible solution to invest for your children's future. Also, a larger house than that of your current city place may be more suitable if your family is growing. You can grab the advantage offered by the better yard space to host future family events and gatherings.

A larger house may offer more comfortable living especially for an upsized family. Upsizing is a trend which is not by accident. It is anchored on needs driven by life goals.

If you're thinking of upsizing your current home or if you're moving out for a total upsize, don't hesitate to seek the advice or the services of your local real estate agent.

Desare is an experienced realtor and Military Relocation Professional servicing the counties of Palm Beach, Broward, and Miami-Dade. With a team of 90 real estate agents under her, your chase for your dream house will be an easy and flawless one, assuring you to obtain all the professional assistance they can give. For more details about her services, hop on to http://www.skyelouisrealty.com.


EVENTS



2019 MAGAZINE


HOUSING RESOURCES

TOP 5 LOW INCOME HOUSING RESOURCES

-- How to find the best and the safest available low income housing options --

When the U.S. economy first entered a recession, millions of families were forced to take advantage of low income housing programs. And, according to federal statistics, those numbers continue to increase every month.

Low income housing properties are defined as apartments or houses that are a part of some kind of affordable housing initiative, usually sponsored by the federal government, the state, the city, or a non-profit organization. Such properties offer either an income-based rental rate or a flat rental rate designed to be affordable for needy individuals and families.

While there are many helpful programs available, finding the best and safest options can be a task. In addition, it can be difficult to find the best options available to families who qualify to remain in the home that they are already occupying.

Here are the top five resources to use:

1) HUD Office of Affordable Housing (OAP)

This government agency brings federal resources directly to the state and local level for use in the development of affordable housing units, or to assist income-eligible households in purchasing, rehabilitating, or renting safe and decent housing. Learn more

2) Making Home Affordable ® Program (MHA)

This program, sponsored by the Obama Administration, is a comprehensive plan to stabilize the U.S. housing market by helping homeowners get mortgage relief and avoid foreclosure. Learn more

3) PublicHousing.com

This web site provides a listing of public housing properties across the country, and other types of housing deals. The vast majority of their listings are affordable housing bargains. Learn more

4) Affordable Housing Institute

This non-profit organization provides housing finance expertise and thought leadership to other organizations working to make housing accessible to low-income people. Learn more

5) Low Income Housing Authority

This organization produces a free online national resource that is dedicated to helping individuals and families find low income housing, apartments, shelters, and more. The web site also provides answers to frequently asked questions. Learn more


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