tag:blogger.com,1999:blog-26205686582918142102024-02-07T00:25:40.802-05:00Marco Island Real Estate-Homes and Condos on Marco IslandMarco Island Real Estate resource for Marco Island Condos and Marco Island homes.Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.comBlogger148125tag:blogger.com,1999:blog-2620568658291814210.post-55223903184075151992010-09-08T19:58:00.000-04:002010-10-23T10:43:36.451-04:00So You Want to Hire a Cleaning Service On Marco Island...<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAixYNYKrAahOSLzixb-BTRhHqnxgJXQnxXOpM6ssR0aymcCqxZpgixcJ-frL49k667sa7msInnn7LrLW3jG1uX7LXqquDeyoV83yqLmnMV_vpKePe7l3DaLYpwwyOSeNHSmt47g1lHac/s1600-h/j0386134.jpg"><img alt="" border="0" id="BLOGGER_PHOTO_ID_5142144425092700370" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAixYNYKrAahOSLzixb-BTRhHqnxgJXQnxXOpM6ssR0aymcCqxZpgixcJ-frL49k667sa7msInnn7LrLW3jG1uX7LXqquDeyoV83yqLmnMV_vpKePe7l3DaLYpwwyOSeNHSmt47g1lHac/s320/j0386134.jpg" style="float: right; margin: 0px 0px 10px 10px;" /></a><br />
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Housekeeping, Maid Service, Cleaning Service you name it, it is big business on Marco Island.<br />
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Marco Island is a popular vacation destination with many of the homes and condos rented out year round. There are also countless Luxury homes that don’t clean themselves!<br />
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For those that live on Marco Island, or anywhere, cleaning the house is the least favorite chores. In fact it ranks right up there with <a href="http://marcoislandhomes.blogspot.com/2007/12/marco-island-project-stupidscape.html">yard work</a> here on Marco Island.<br />
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These functions are usually left to Professional Services that take care of these details for both those that live here and the owners of Vacation Homes on Marco Island.<br />
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For busy Marco Islanders, there is always the top of the fridge, behind the couch or the bathroom that gets neglected in your Marco Island Home. Busy schedules seem to get in the way of doing those housekeeping chores. . Fortunately for Marco Island homeowners that can afford to, they can always hire someone to come in and handle these incomplete tasks.<br />
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There are many reasons why you would want to a Marco Island Service, they include:<br />
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<ul><li>Cleaning your new Marco Island home before you move in</li>
<li>Monthly Cleaning to do all those items you never have time for</li>
<li>You are listing your Marco Island Home and want it to always look its best</li>
<li>You are a busy professional and your Marco Island home isn’t as clean as you wish</li>
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It isn’t enough to just decide to hire a professional to come into your home. You have to be serious about finding someone. With so many Marco Island Service Companies out there, you could easily be discouraged at finding the right person to do what you need on your Marco Island Home.<br />
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<b><span style="font-size: 130%;">Hiring A Professional to Clean your Marco Island Home</span></b><br />
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<ul><li>Decide your need and requirements for your Marco Island home before you start the hiring process. Be clear in your needs and express them to prospective Service Companies. </li>
<li>Ask friends for referrals, but don’t be surprised when they are not so forth coming with choices for you.</li>
<li>Check out services in the Marco Island phone book and search the Internet for candidates to interview – Craigslist is an excellent resource.</li>
<li>Make sure that whoever you hire to clean your Marco Island home that they are bonded and insured.</li>
<li>Check three references before you interview in person. Check to see quality of their work, reliability and likability. </li>
<li>Interview the candidates in your Marco Island home needs cleaning. Ask them to point out areas that they feel need improvement. Ask them how they would do specific tasks. Make sure you are comfortable with their cleaning ideas. </li>
<li>Hire the most promising person or team for a trial period. Usually 4 or 5 cleanings you will know if they will work out. Understand that the first or second cleanings they need to get used to your Marco Island home along with preferences.<br />
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Here are some services we were able to find in the Marco Island area that you might want to check out. Sorry but to most this is a guarded secret. Ask around, you might be able to find others:<br />
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<a href="http://www.maids.com/franchise/default.aspx?id=195">The Maids Home Service</a> (239) 774-6243<br />
2377 Linwood Avenue Suite 207 Naples FL 34104<br />
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See Thru Window Cleaning (239) 642-0318<br />
1281 Jamaica Road Marco Island FL 34145<br />
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<a href="http://www.mollymaid.com/MainFranchisee.aspx?loc=9006">Molly Maid of Collier County</a> (239) 353-6243<br />
1100 6th Avenue South Suite 14 Naples FL 34102<br />
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<div align="justify">Remember that once you hire a person or cleaning service; please be consistent if you want them to be so. Respect that they budget their time accordingly and a last minute cancellation or request can put strains on their schedule.<br />
</div></span></b>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-18332398272741485312010-07-04T14:00:00.000-04:002010-10-23T10:44:29.763-04:00Marco Island | What is a Condo Hotel?The <a href="http://www.oldmarco.com/" target="_blank" title="Olde Marco Inn and Suites on Marco Island Florida">Olde Marco Island Inn & Suites</a> and <a href="http://www.marcoresort.com/Home.asp">Marco Beach Ocean Resort</a> are two Condo Hotels on Marco Island.<br />
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Rising in popularity is an alternative to timeshares - <a href="http://en.wikipedia.org/wiki/Condo_hotel">Condo Hotels</a>. Condo Hotel are rising in popularity, especially in areas like ours!<br />
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<a href="http://blog.orlandoavenue.com/public/item/public/item/134523" target="_blank" title="WorldQuest Resort"></a>The SEC (<a href="http://www.sec.gov/" target="_blank" title="SEC">US Securities and Exchange Commission</a>) view is that selling condo hotel units combined with a rental arrangement or similar service constitutes the offering of a security. We know you want to know about these things, but because of that there are some questions but I cannot answer for you:<br />
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<ul><li>Will I break even? </li>
<li>Will the condo hotel appreciate? </li>
<li>Is this a good Investment? </li>
<li>What will my condo hotel be worth in a month/year? </li>
<li>What will I receive as income?</li>
</ul><br />
The <a href="http://www.sec.gov/" target="_blank" title="Securities & Exchange Commission">SEC </a>law clearly prohibits these projections or guarantees. You will need to speak with your Financial Advisor to find these answers. <br />
Each Condo hotel unit is sold as a condominium, but they are managed by a hotel. Condo hotels are most times luxury hotels in popular destinations where each room is sold to individual investors who can use them as a vacation home whenever they like. Major hotel chains include the <a href="http://www.fourseasons.com/" target="_blank" title="Four Seasons">Four Seasons,</a> <a href="http://www.starwoodhotels.com/" target="_blank" title="Starwood Hotels">Starwood</a>, <a href="http://www.clarion.com/global/en/index.html" target="_blank" title="Clarion Hotel">Clarion</a>, <a href="http://www.marriott.com/default.mi" target="_blank" title="Marriott Hotel International">Marriott International</a> and <a href="http://www.ritzcarlton.com/en/Default.htm">Ritz-Carlton</a> are in the condo hotel market. Financing for a condo hotel unit is possible, but because of lending requirements it is recommended that you work with a trusted Mortgage Professional. <br />
Several reasons that Condo Hotels are appealing include:<br />
<ul><li>Having the option of taking part in the property's rental program </li>
<li>Incredible amenities including spas, fine dining, concierge, housekeeping and fitness enters</li>
<li>Hassle-free vacation home ownership with on-site management</li>
</ul>Aspects of a Successful Condo Hotel:<br />
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<ul><li>Location! Location! Location! </li>
<li>Amenities of the facility </li>
<li>Strong Managment company </li>
<li>A respected developer</li>
</ul><a href="http://www.paradisereport.com/listings.aspx?filename=defaultlistings.x&agent=false&Search=1&SearchCity=marco%20island&SearchState=FL&SearchBeds=0&SearchMinPrice=0&SearchMaxPrice=0&SearchBaths=0&SearchSqFt=0&SearchFloors=0&SearchParking=0&SearchLotSize=0&SearchSingleFamily=0&SearchMobileHomes=0&SearchRentals=0&SearchCondo=0&SearchLand=0&SearchMultiFamily=0&SearchFarms=0">Check out this Condo Hotel Listing On Marco Island!</a>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-15207962703487912922010-04-15T09:43:00.000-04:002010-10-23T10:42:42.885-04:00Short Sales - When you do NOT need oneAs a <b>Florida Mortgage Professional</b>, I get calls and emails all the time from worried <b>homeowner</b>s wondering if they should start <b>Short Sale</b> Proceedings.<br />
<a href="http://lh4.ggpht.com/podgursky/SASxESu2LXI/AAAAAAAAAF0/Vwm7JtXtIZQ/s1600-h/frustratedguy3.jpg"><img align="right" alt="frustrated guy" border="0" height="66" src="http://themortgagegotoguy.com/wp-content/uploads/2008/04/frustrated-guy-thumb1.jpg" style="border-width: 0px; margin: 10px;" width="244" /></a>There are a few ways to decide whether it is worth it or not. You see... a <b>Short Sale</b> is a method for reducing your <b>debt</b>. It is NOT Free though. It has its costs and they are not all short term.<br />
The most obvious negative effect is to your <b>Credit</b>. A <b>Short Sale</b> is a "derogatory". That means that you will have significant damage done to your credit.<br />
Even though a <b>Short Sale</b> is not nearly as bad for your credit as a <b>Foreclosure</b>, it will nevertheless stay on your file for years and will affect:<br />
<ul><li>The <b>Interest Rate</b> on your next house </li>
<li>The Finance Price or Lease Payment on your next car </li>
<li>Your ability to Rent an Apartment </li>
<li>Your ability to get a credit card </li>
<li>Your ability to get a Business Loan </li>
</ul>This is why it is important to figure out whether you really, really, really need one... NEED ONE.<br />
So how do you do that??<br />
First, start by contacting your friendly neighborhood <b>Mortgage Broker</b> (that's me!!) and <b>Realtor</b>. Set up a coffee appointment and we three can go over your situation and lay out your options.<br />
I can supply the financial advice and the <b>Realtor</b> can come with comps and market rental data and provide the <b>real estate</b> advice. The <b>Realtor</b> can also help you figure out how long it will take to sell your property in this market!<br />
From there, we can provide referrals to other professionals to help you along the way.<br />
For more information on Short Sales and to read the full text of this article, click on the links below<br />
<ul><li>Full Article Text - <a href="http://themortgagegotoguy.com/short-sales-when-you-do-not-need-one/">Short Sales - When you do NOT need one»</a> </li>
<li><a href="http://themortgagegotoguy.com/florida-mortgage-short-sales-do-not-always-mean-that-the-realtor-does-not-get-paid/"><span style="background-color: #e8e8e8;">Short Sales do not always mean that the Realtor does not get paid!</span></a> </li>
<li><a href="http://themortgagegotoguy.com/florida-mortgage-short-sales-where-does-the-rest-of-the-mortgage-go/"><span style="background-color: #e8e8e8;">Short Sales ~ Where does the rest of the Mortgage Go?</span></a> </li>
<li><a href="http://themortgagegotoguy.com/florida-mortgage-short-sales-bank-owned-properties/"><span style="color: #237fa1;">Short Sales and Bank Owned Properties</span></a> </li>
<li><a href="http://themortgagegotoguy.com/category/residential/short-sales/"><span style="color: #237fa1;">All Short Sale Articles on TheMortgageGoToGuy.com</span></a> </li>
</ul><hr /><div align="center"><i>More Florida Real Estate Industry News You Can Use from <br />
</i><b><a href="mailto:david@themortgagegotoguy.com">David A. Podgursky, MBA</a></b><b> <br />
<a href="http://themortgagegotoguy.com/"><u>TheMortgageGoToGuy!!</u></a></b><i> <br />
Your Source for Residential and Commercial <br />
Mortgage Loans in Florida</i></div>David A. Podgursky, Boynton Beach Lake Worth Realtor - Boca Executive Realtyhttp://www.blogger.com/profile/08341997722962969067noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-7363111892033139122010-02-13T21:49:00.000-05:002010-10-23T10:42:13.864-04:00Happy Valentine's Day!<object height="315" width="500"><param name="movie" value="http://www.youtube.com/v/2W8jfueMaAY&hl=en&fs=1&color1=0xcc2550&color2=0xe87a9f&border=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/2W8jfueMaAY&hl=en&fs=1&color1=0xcc2550&color2=0xe87a9f&border=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="500" height="315"></embed></object>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-18782240811345197432009-12-24T10:00:00.002-05:002009-12-25T19:36:23.468-05:00Congratulations Sellsius Top Women Bloggers of 2009!<p><img style="border: 11px solid black; float: right; margin-left: 22px; margin-right: 22px;" title="2009 Women Real Estate Bloggers" src="http://smartblogger.1parkplace.com/content/uploads/blogs/ckulikowski/top-12-women.gif" alt="To Women Real Estate Bloggers" height="251" width="333" /></p><br /><p>Yesterday <a title="Articles written by Colleen Kulikowski" href="http://www.buffaloniagararealestatehomesales.com/wnyrealtor/?s=colleen+kulikowski">Colleen Kulikowski</a> of the Buffalo Real Estate News Blog was honored by <a title="Sellsius Real Estate" href="http://blog.sellsiusrealestate.com/bloggers/top-12-women-real-estate-bloggers-2009/2009/12/22/">Sellsius Real Estate Blog</a> as being one of the top Women Real Estate Bloggers. Knowing my sister, she is over the moon with the honor!<br /></p><br /><p>Sellsisus Real Estate posted:</p><br /><blockquote><br /><p>1. <strong>Colleen Kulikowski</strong>. <a href="http://www.buffaloniagararealestatehomesales.com/wnyrealtor/">BuffaloRealEstateNews</a>.<br />I love Colleen's blogging style. Her blog reads like a<br />newspaper/magazine. Her posts are easy on the eyes, extremely relevant<br />to her market, and display her <a href="http://apture.s3.amazonaws.com/00000125a8d004ceddd0a8d6007f000000000001.soldimage.gif">sense of humor</a><br />. She writes appealing headlines and uses catchy images. Colleen is a<br />force on Active Rain. She is very tech savvy. She is using her SEO<br />skills to rule the Buffalo market- her blog is on page 1 of Google for<br />"Buffalo homes for sale"- ahead of Zillow and Realtor.com. Now that's<br />how Colleen rocks blogging. For those who think blogging has little<br />ROI, talk to Colleen and learn a thing or twenty-two.</p><br /></blockquote><br /><p>The other women named were:</p><br /><p>2. <strong>Mary Pope-Handy</strong>. Mary authors 3 blogs: <a href="http://www.valleyofheartsdelight.com/">The Valley of Heart's Delight</a>; <a href="http://www.realtown.com/LiveInLosGatos/blog">Live in Los Gatos</a>; and the quite deadly <a href="http://www.hauntedrealestateblog.com/wordpress/">Haunted Real Estate Blog</a>.</p><br /><p>3. <strong>Dru Bloomfield</strong>. <a href="http://athomeinscottsdale.com/">AtHomeInScottsdale</a>.</p><br /><p>4. <strong>Diane Guercio</strong>. a/k/a <a href="http://heyamaretto.com/">HeyAmaretto</a>.</p><br /><p>5. <strong>Amy Chorew</strong>. <a href="http://www.amychorew.com/">The TechByte</a>; <a href="http://activerain.com/blogs/achorew">TheDigitalRealtor/ActiveRain</a>. Amy also writes for <a href="http://agentgenius.com/author/amy/">AgentGenius</a>.</p><br /><p>6. <strong>Kaye Thomas</strong>. <a rel="nofollow" href="http://beachcityrealestateinfo.blogspot.com/">ManhattanBeachRealty</a>. <a rel="nofollow" href="http://beachcityrealestateinfo.blogspot.com/">Beach City Real Estate</a>. <a href="http://www.move2manhattanbeach.com/">Move2Manhattan Beach</a></p><br /><p>7. <strong>Jessica Riffle Edwards</strong>. <a rel="nofollow" href="http://hotpropertyblog.blogspot.com/">CarolinasFinest/HotPropertyBlog</a> .</p><br /><p>8. <strong>Susie Blackmon</strong>. <a href="http://buckingtherealestatetrend.com/">Bucking The Real Estate Trend</a>.</p><br /><p>9. <strong>Elaine Reese</strong>. <a href="http://reesespiecesofrealestate.com/">Central Ohio Real Estate News</a>.</p><br /><p>10. <strong>Genea (Gena) Riede</strong>. <a href="http://sacramentorealestatevoice.com/">Sacramento Real Estate Voice</a>.</p><br /><p>11. <strong>Kim Wood</strong>. <a href="http://westofphillyburbs.com/">West of Philly Burbs</a>. <a href="http://activerain.com/blogs/kimwood">ActiveRain blog</a>. Part of the <a href="http://thetechbyte.com/node/81">TechByte team</a>.</p><br /><p>12. <strong>Monika McGillicuddy</strong>. <a href="http://monikamcgillicuddy.com/wordpress/">New Hampshire Real Estate Blog</a>. Monica also has a delightful photo blog, <a href="http://www.nhviewfinders.com/">The New Hampshire View Finder</a>.</p><br /><p>Ladies Congratulations on being named on this incredible list of women! Past winners can be found here</p><br /><ul><br /><li><a href="http://blog.sellsiusrealestate.com/2006/08/08/top-10-women-real-estate-bloggers/">2006</a></li><br /><li><a href="http://blog.sellsiusrealestate.com/top-12-women/top-12-women-real-estate-bloggers-2007-edition/2007/10/09/">2007</a></li><br /><li><a href="http://blog.sellsiusrealestate.com/top-12-women/top-12-women-real-estate-bloggers-2008-edition/2008/12/18/">2008</a></li><br /></ul><br /><p> </p><br /><ul><br /></ul><br /><p>My other blog, <a href="http://www.bestbuffalohomes.com/">www.BuffaloNiagaraRealEstateHomeSales.com</a> was named in the post, but this site is quickly gaining in the search engines! Thanks again Sellsius Real Estate!</p><br /><p> </p><br /><p><a href="http://www.move2manhattanbeach.com/"><br /></a></p><br /><p> </p><br /><p> </p>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-20714257523324416932009-08-12T16:43:00.000-04:002009-10-28T10:13:37.542-04:00Is Your Marco Island Home Noisy?You know what I mean, does sound travel throughout your Marco Island home? Are you getting to know your neighbors through your walls, floors and ceilings?<br /><br />Many homes have the kitchen just off the Master Bedroom and sometimes sounds just carry. Is the noise of your spouse making coffee early in the morning as they are getting ready for a day of <a href="http://marcoislandhomes.blogspot.com/2007/12/marco-island-home-to-great-fishing.html">fishing in the Gulf of Mexico</a> getting in the way of your beauty sleep?<br /><br />Perhaps you never thought about it, but are thinking of remodeling in your Marco Island home sometime soon. I just discovered a product that you might find worth investigating before you start your remodel. You might want to include it in your plans. It is called <a href="http://www.supressproducts.com/index.htm">Supress</a>.<br /><br /><strong><span style="font-size:130%;">What is Supress?</span></strong><br /><br />Supress®Sound-Engineered Drywall™ and Sound-Engineered Plywood™ are products to provide high-performance soundproofing for alls, floors and ceilings. One layer of Supress has the acoustical performance of up to 8 layers of standard drywall. Luxury home owners use Spress to provide sound absorption in their home theatres, music rooms, chidren's rooms and play areas.<br /><br />Is your Marco Island home on one of the few busy roads on Marco Island? Or are the neighbors to one side a little too loud? Use Supress instead of regular drywall, on the interior surface of the wall facing the noise sourse.<br /><br />You can install Supress over existing ceiling and drywall!<br /><br /><br /><br /><strong><span style="font-size:130%;">Supress Videos:</span></strong><br /><br /><ul><li>Active Families Use Supress to Keep the Peace at Home - <a href="http://www.supressproducts.com/mediacenter/3lives/index.html">VIEW</a></li><li>Using Supress - Residential Remodel - <a href="http://www.supressproducts.com/mediacenter/hartman/index.html">VIEW</a></li></ul><br /><strong><span style="font-size:130%;">For More information regarding Supress Products:</span></strong><br /><br /><div align="center"><br />Supress Products, LLC<br />San Rafael, CA 94912<br />(800) 456-4061 Customer Service<br />(888) 222-9879 Customer Service Fax<br />www.supressproducts.com </div>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.comtag:blogger.com,1999:blog-2620568658291814210.post-26728052910392880772009-07-09T22:44:00.000-04:002009-10-28T10:14:46.388-04:00Marco Island | Wood Frame ConstructionMany times I am asked should I purchase a wood framed home on Marco Island Florida? There are lots of questions surrounding wood framed homes and I think it is important to share some of the information that I have gathered over the years.<br /><br />I recently showed a wood framed home to a prospective buyer. They got extremely nervous about it because of the risk with termites and their belief that these homes are not "hurricane proof". Bottom line is even CBS homes have wood in them, they are less resistant to termites because they have less wood in them. One thing worth noting is that there is virtually no inspection by any building officials of the quality of the block or mortar used in the construction of Concrete Block Walls (CBS). Environmentalists point out that it takes 6-8 times the energy to construct a wall of brick or CBS as opposed to an all wood wall.<br /><br />Here are the PROS to Wood Frame Construction:<br /><br /><ul><li>Wood has four natural properties that make it the preferred all around building material here in South Florida. -- Strength, Insulating capacity, Durability, Warm natural appearance and beauty. </li><li>Wood is not as dense as it looks. Unlike CBS wood allows a home to "breath" thus stay warmer in winter and cooler in the summer. </li><li>Termites are a threat to any type of structure wood or CBS. Termites burrow through concrete or eat through wood. They often breed in the dark, damp, empty cells of a concrete block wall. This is why termite proofing protection is required during the construction of all types o new homes and is a prerequisite for a mortgage. </li><li>Many woods are resistant to decay including redwood, Cedar and Cypress. </li><li>Many of Palm Beaches oldest and most notable wood homes are still in excellent condition because the lignin that cements its cells together is not only very strong, hue is largely impervious to water and the extremes of heat and cold. </li><li>Wood accepts stains and other finishes that can achieve different visual effects, or can be coated at the factory with new super finishes that have a guaranteed long life. </li><li>It would take a concrete wall 5 feet thick to equal the insulating quality of just 4 inches of wood. </li><li>Wood insulates 6 times better than brick, 15 times better than concrete, 1,770 times better than aluminum </li><li>One of the most surprising qualities of wood is its incredible strength. A wood block just 1 inch square and 2.5 inches long, weighing only 3/4 ounce can support 10,000 pounds (the weight of three cars). </li><li>Practically all wood building materials and wood structures go through many stringent inspections by quality control engineers in the mills as well by building inspectors in the field. </li><li>When wood sheathing is fastened to wood wall and roof framing, the entire structure becomes one unit, giving and recovering under stress. When built to the new existing codes, wood frame construction will survive far better during a hurricane. </li></ul><p><br />Some Internet resources for more information can be found here: </p><p align="center"><br /><a href="http://www.blueprintforsafety.org/windretrofit/wrwoodvsmasonry.aspx">Retrofitting Homes for Wind Protection</a></p><p align="center"><a href="http://www.toolbase.org/ToolbaseResources/level3.aspx?BucketID=3&CategoryID=31">Wood Frame Construction</a> </p><p align="center"><a href="http://www.palmbeachpost.com/business/content/business/epaper/2006/10/30/m1bz_steelframe_1030.html">Steel Home Frame Construction</a></p><p align="center"><br /><a href="http://experts.about.com/q/Architecture-2369/concrete-block-vs-frame.htm">CBS vs Wood Frame</a> </p><p align="center"><a href="http://www.termite.com/termidor.html">About Termite Protection</a> </p><br />Not all wood frame homes on Marco Island are bad. I strongly suggest that if you are considering purchasing a wood frame home that you have it fully inspected and make sure that you have termite protection with a licensed professional.<br /><br />Living in Southwest Florida, I have weathered a few hurricanes, the only time that I really felt comfortable was the time I spent in a wood frame home. In fact I slept soundly during the experience unlike the neighbors that weathered the storm next door in a concreate block home. And they are definitely a lot cooler in the heat of summer. Every type of construction has pros and cons, and I would suggest that you do your research if you have questions.Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-38932793082788757852009-05-24T21:56:00.001-04:002009-05-24T21:56:43.080-04:00Memorial Day is a time to Remember<h2 style="text-align: justify;">Memorial Day</h2><br /><p style="text-align: justify;">Memorial Day is a time to remember those that served this country and lost their lives. Most people think that Memorial Day is a three-day weekend with party and celebration with friends of family.</p><br /><p style="text-align: justify;">Do you really know the reason behind Memorial Day?</p><br /><p style="text-align: justify;">So as you enjoy the Indianapolis 500, BBQ picnics with friends and the official launch of summer, take a moment to remember the reason for the day. To remember those that served our country. So at three o'clock tomorrow, take a moment and pause and pay tribute to those that died in service of our freedom.</p><br /><br /><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="425" height="355" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="wmode" value="transparent" /><param name="src" value="http://www.youtube.com/v/WO5tPf9LUC4&hl=en" /><embed type="application/x-shockwave-flash" width="425" height="355" src="http://www.youtube.com/v/WO5tPf9LUC4&hl=en" wmode="transparent"></embed></object><br /><p style="text-align: justify;">To help re-educate and remind Americans of the true meaning of Memorial Day, the "<a href="http://www.usmemorialday.org/speeches/president/may0200.txt">National Moment of Remembrance</a>" resolution was passed on Dec 2000 which asks that at 3 p.m. local time, for all Americans "To voluntarily and informally observe in their own way a Moment of remembrance and respect, pausing from whatever they are doing for a moment of silence or listening to '<a href="http://www.usmemorialday.org/taps.html">Taps</a>."</p><br /><br /><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="425" height="355" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="wmode" value="transparent" /><param name="src" value="http://www.youtube.com/v/_klwtm67ogg&hl=en" /><embed type="application/x-shockwave-flash" width="425" height="355" src="http://www.youtube.com/v/_klwtm67ogg&hl=en" wmode="transparent"></embed></object><br /><br /><strong>"Memorial Day</strong> is a <a title="United States" href="http://en.wikipedia.org/wiki/United_States">United States</a> <a title="Federal holiday" href="http://en.wikipedia.org/wiki/Federal_holiday">federal holiday</a> that is observed on the last Monday of May (observed this year on <a title="2007" href="http://en.wikipedia.org/wiki/2007">2007</a>-<a title="May 28" href="http://en.wikipedia.org/wiki/May_28">05-28</a>). It was formerly known as <strong>Decoration Day</strong>. This holiday commemorates U.S. men and women who have died in <a title="Military service" href="http://en.wikipedia.org/wiki/Military_service">military service</a> to their country. It began first to honor <a title="Union Army" href="http://en.wikipedia.org/wiki/Union_Army">Union</a> soldiers who died during the <a title="American Civil War" href="http://en.wikipedia.org/wiki/American_Civil_War">American Civil War</a>. After <a title="World War I" href="http://en.wikipedia.org/wiki/World_War_I">World War I</a>, it expanded to include those who died in any war or military action. One of the longest standing traditions is the running of the <a title="Indianapolis 500" href="http://en.wikipedia.org/wiki/Indianapolis_500">Indianapolis 500</a>, which has been held in conjunction with Memorial Day since 1911."<br /><br /><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="425" height="355" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="wmode" value="transparent" /><param name="src" value="http://www.youtube.com/v/6O-yohHK25g&hl=en" /><embed type="application/x-shockwave-flash" width="425" height="355" src="http://www.youtube.com/v/6O-yohHK25g&hl=en" wmode="transparent"></embed></object><br /><p style="text-align: center;"><a href="http://www.searchbuffalohomes.com"><img src="http://www.buffaloniagararealestatehomesales.com/wnyrealtor/search3.gif" alt="Search for Buffalo Homes For Sale" /></a> <a href="http://www.buffaloniagararealestatehomesales.com/wnyrealtor/sell-my-wny-home/cma/"><img src="http://www.buffaloniagararealestatehomesales.com/wnyrealtor/value3.gif" alt="Find you Buffalo' Home's Value" /></a></p>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-51280612987269771682009-05-10T03:10:00.000-04:002009-05-10T03:10:01.078-04:00Happy Mother's Day<object width="500" height="315"><param name="movie" value="http://www.youtube.com/v/jENdlwRdPic&hl=en&fs=1&color1=0xcc2550&color2=0xe87a9f&border=1"><param name="allowFullScreen" value="true"><param name="allowscriptaccess" value="always"><embed src="http://www.youtube.com/v/jENdlwRdPic&hl=en&fs=1&color1=0xcc2550&color2=0xe87a9f&border=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="500" height="315"></embed></object>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-88727152322092719582009-04-05T11:16:00.000-04:002009-05-08T15:11:44.066-04:00IRS Tax Deductions from your Mortgage<p align="justify"><a href="http://lh6.google.com/podgursky/R_eX3KVaN7I/AAAAAAAAAEE/F9qy9xOW3ZU/20%20dollar%20bill%5B4%5D.jpg"><img style="border-top-width: 0px; border-left-width: 0px; border-bottom-width: 0px; margin: 10px; border-right-width: 0px" height="154" alt="20 dollar bill" src="http://lh4.google.com/podgursky/R_eX3qVaN8I/AAAAAAAAAEM/TY8F4mgh3LQ/20%20dollar%20bill_thumb%5B2%5D.jpg" width="154" align="right" border="0" /></a>As <strong>tax</strong> time is upon us and with all the talk about recession, politics and the housing market, most people are not focused on the fact that we are only ten days from tax day.</p> <p align="justify">So if you are a procrastinator as is the American-way, remember to plan for some of your <strong>Mortgage</strong> and <strong>Real Estate</strong> related <strong>tax deductions</strong> to save some money this year.</p> <p align="justify">Here are a few places to save:</p> <p align="justify">1) <strong>Discount Points - </strong><strong>Lender Discount Points</strong> are seen by the <strong>IRS</strong> as <strong>pre-paid interest</strong> charges.  </p> <p align="justify">2) <strong>Pre-paid Interest - </strong>your closing statement shows <strong>prepaid interest</strong> depending on how many days you will be in the property in the month you close.   </p> <p align="justify">3) <strong>Pro-rated Property Tax</strong> any <strong>property tax</strong> you pay at the closing table is deductible</p> <p align="justify">4) <strong>Origination Points - </strong><strong>Broker</strong> fees or <strong>Points</strong> are also considered <strong>pre-paid interest</strong>.</p> <p align="justify">5) <strong>PMI/MIP - </strong><strong>Mortgage Insurance</strong> on a loan that is over 80% <strong>Loan to Value (LTV)</strong> is deductible</p> <p align="justify">Where to consult your Accountant for sure:</p> <p align="justify">6) <strong>HELOC / Equity Line - </strong>interest on your <strong>2nd Mortgage</strong> or <strong>Home Equity Line of Credit</strong> may be deductible.  </p> <p align="justify">7)<strong> Second Home - </strong>this is a grey area.  Your <strong>accountant</strong> knows the rules on deducting mortgage interest on <strong>2nd home mortgages</strong>.</p> <p align="justify">8) <strong>Depreciation - </strong><strong>Investment properties</strong> only!!  !</p> <p align="justify"><strong><u>My Professional Advice:</u></strong></p> <p align="justify">You have your closing package from when you closed your property neatly filed away, right? (nudge nudge)</p> <p align="justify">Get it out and take it with you when you visit your <strong>tax preparation specialist</strong> or <strong>CPA</strong>.  Make sure to have your <strong>Accountant</strong> review your closing statement and <strong>IRS Form 1098</strong> that you will receive from your lender in the mail.</p> <p align="justify">Your <strong>accountant</strong> will then make sure you get credit for all your deductions.</p> <p align="justify">To get the full article, follow this link -o-> <a href="http://themortgagegotoguy.com/florida-mortgage-irs-tax-savings-on-your-hud-1/">Florida Mortgage | IRS Tax Savings on your HUD-1</a></p> <p align="justify"></p> <hr /> <p></p> <p align="center"><em>More Florida Real Estate Industry News You Can Use from</em> <br /><strong><u><a href="mailto:david@themortgagegotoguy.com">David A. Podgursky, MBA</a></u></strong> <br /><strong><u><a href="http://themortgagegotoguy.com/">TheMortgageGoToGuy!!</a> <br /></u></strong><em>Your Source for Residential and Commercial <br />Mortgage Loans in Florida</em></p>David A. Podgursky, Boynton Beach Lake Worth Realtor - Boca Executive Realtyhttp://www.blogger.com/profile/08341997722962969067noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-42405541766023041292008-12-31T19:11:00.001-05:002008-12-31T19:11:59.471-05:00Happy New Year!<object width="480" height="295"><param name="movie" value="http://www.youtube.com/v/OOviCT4alTE&hl=en&fs=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/OOviCT4alTE&hl=en&fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="295"></embed></object>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-61465138903930073872008-12-24T18:47:00.001-05:002008-12-24T18:47:43.855-05:00Merry Christmas Marco Island<object width="480" height="295"><param name="movie" value="http://www.youtube.com/v/zOLwQor0IXE&hl=en&fs=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/zOLwQor0IXE&hl=en&fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="295"></embed></object>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-77938199684482566992008-11-26T19:17:00.000-05:002008-11-26T19:19:02.398-05:00Happy Thanksgiving!<object height="344" width="425"><param name="movie" value="http://www.youtube.com/v/BDKYE3it8yY&hl=en&fs=1"><param name="allowFullScreen" value="true"><param name="allowscriptaccess" value="always"><embed src="http://www.youtube.com/v/BDKYE3it8yY&hl=en&fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="344"></embed></object>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-22365837086359847242008-08-01T15:12:00.000-04:002008-08-01T22:14:17.872-04:00Mortgage Rates for August 1, 2008Marco Island Mortgage rates for August 1, 2008. Loan amounts up to $417,000:<br /><br /><br /><br />3/1 ARM 5.500%<br />5/1 ARM 5.625%<br />7/1 ARM 6.125%<br />10/1 ARM 6.250%<br />30 Yr Fixed 6.250%<br /><br />All rates offered to the borrower with 1 point cost. Rate quotes assume a purchase transaction with a 20% down payment, 720 credit score, and full income qualification. Rates are subject to fluctuation. Custom rate quotes and rate lock advice are available by calling (858)-777-9751.<br /><br /><br /><br />MORTGAGE RATE TREND:<br /><br />Next 7 days: Slightly Lower<br />Next 30 days: Slightly Lower<br />Next 3 months: Neutral<br /><br />This Marco Island mortgage rates report is offered courtesy of Brian Brady. Contact <a title="Brian Brady" href="http://delmar.typepad.com/brianbrady/how-to-contact-brian.html">Brian</a> for more information about a Marco Island home loan or <a title="Apply online" href="http://www.californialoanconnection.com/apply/">apply online</a>.Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-89519888525153184482008-04-10T09:25:00.001-04:002008-04-10T09:25:31.913-04:00Florida Mortgage | Central Florida has a new HomeBuilder in town<p align="justify">The <a href="http://www.orlandosentinel.com"><strong><font color="#000000">Orlando Sentinel</font></strong></a> has an article this called <a href="http://www.orlandosentinel.com/business/orl-sheahomes0908apr09,0,5287785.story"><font color="#000000"><strong>Shea Homes</strong> is the new kid on region's building block</font></a><font color="#000080"><u> </u></font>about Shea Homes, the <strong>Orlando Florida</strong> area's newest homebuilder.</p> <p align="justify"><img style="border-top-width: 0px; border-left-width: 0px; border-bottom-width: 0px; margin: 10px; border-right-width: 0px" height="184" alt="vg_logo" src="http://lh5.ggpht.com/podgursky/R_4VS4LDedI/AAAAAAAAAFE/HYmXLU4OSEM/vg_logo1.jpg?imgmax=800" width="174" align="right" border="0" /> The California-based builder has acquired <font color="#000000">the <strong>Victoria Gardens</strong> <strong>community</strong> in <strong>Deland Florida</strong> from the </font><a href="http://www.bizjournals.com/orlando/stories/2007/05/14/daily11.html?from_rss=1"><font color="#000000">St. Joe Co.,</font></a> which is no longer building homes in its developments.</p> <p align="justify"><strong>Shea Homes</strong> comes to <strong>Florida</strong> with a long history of stability and internal growth as a privately held, family business.  </p> <p align="justify"></p> <p align="justify"></p> <p align="justify">Analysts believe that <strong>Shea Homes</strong> and <strong>Central Florida</strong> lack some of the "feeder markets" that have long supported Florida Real Estate Developers.  The East Coast and <strong>South Florida</strong> have historically attracted people from the Northeast.  The <strong>Gulf Coast</strong> has historically been <font color="#000000">where the <strong>snowbirds</strong> from the Midwest roost.</font></p> <p><strong><a href="http://verticalrealestatelogistics.com/our-services/marketing-and-sales-direction/"><font color="#000000">Vertical Real Estate Logistics, LLC</font></a></strong><font color="#000000"> specializes in helping Florida Real Estate Developers and Builders with their Marketing and Sales campaign to capture the right target buyers for</font> their projects.</p> <p align="left">For more information on this and other new <strong><strong>Real Estate Developments</strong> in <strong>Central Florida</strong> </strong>follow this link -o-> <a href="http://verticalrealestatelogistics.com/central-florida-has-a-new-homebuilder-in-town-2/">Central Florida has a new HomeBuilder in town</a></p> <hr /> <p align="center"><em>More <strong>Florida Real Estate</strong> Industry News You Can Use from</em> <br /><strong><a href="mailto:david@themortgagegotoguy.com"><font color="#000000">David A. Podgursky, MBA</font></a></strong><font color="#000000"> <br /></font><strong><a href="http://www.themortgagegotoguy.com">TheMortgageGoToGuy.com</a> <br /></strong></p> <p align="center"><em>Your Source for Residential and Commercial <br />Mortgage Loans in Florida</em></p> David A. Podgursky, Boynton Beach Lake Worth Realtor - Boca Executive Realtyhttp://www.blogger.com/profile/08341997722962969067noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-73039802305179912482008-03-21T17:25:00.001-04:002008-03-21T17:28:21.517-04:00Florida Mortgage | Foreign National Buyers shift Target Focus<p align="justify">Due to the dwindling availability of loan products and lenders for <strong>Foreign Nationals</strong> to purchase property in <strong>Florida,</strong> <strong><img style="margin: 10px 10px 15px" src="http://verticalrealestatelogistics.com/wp-content/uploads/2008/03/foreign-money.jpg" align="right" /> </strong>many <strong>Foreign National Real Estate Buyers </strong>in the US are having to change their focus... both in property and investment type.</p> <p align="justify"><strong>Foreign Nationals</strong> will soon see the targets of their purchases changing from the traditional <strong>Second Home</strong> or <strong>Vacation Property</strong> to different investment grade properties and other ventures in <strong>Real Estate</strong>.</p> <p align="justify">Foreign Buyers may have to join forces and form <a title="Syndicate Formation Article" href="http://verticalrealestatelogistics.com/real-estate-investors-form-syndicates-to-buy/"><strong>Syndicates</strong></a> in order to purchase <strong>commercial properties</strong> with higher price tags.  Higher prices coupled with higher cash flows will be attractive to <strong>Foreign Nationals</strong> who are investment minded.</p> <p align="justify">Another option that exists for <strong>Foreign Nationals</strong> that are simply focused on the returns they could achieve in <strong>Real Estate Investments</strong> in the US might look to get involved with a <strong>Real Estate Developer.</strong></p> <p align="justify"><strong><img style="margin: 10px" src="http://verticalrealestatelogistics.com/wp-content/uploads/2008/03/office-building-thumb.jpg" align="left" /> </strong>Providing Equity and Operational Funds for a Developer looking to get a <strong>Residential or Commercial Real Estate Development Project </strong>off the ground would provide <strong>Foreign Investors</strong> with an investment term of typically 2-5 years during which time interest would be earned and a portion of the profits of the project would be shared.</p> <p align="justify"><strong>Foreign Nationals</strong> may also buy wholesale <strong>pre-construction</strong> units to help a developer achieve their vital pre-sale requirements for a lender.  These units would then be re-sold in the development's inventory with a premium paid back to the original purchaser.</p> <p align="justify">For the full article with more choices for Foreign National Real Estate investors follow this link -o-> <a href="http://verticalrealestatelogistics.com/foreign-national-buyers-shift-target-focus/">Foreign National Buyers shift Target Focus</a></p> <hr /> <p align="center"><em>More Florida Real Estate Industry News You Can Use from</em> <br /><strong><u><font color="#000080"><a href="mailto:david@themortgagegotoguy.com">David A. Podgursky, MBA</a></font></u></strong> <br /><strong><u><font color="#000080"><a href="http://themortgagegotoguy.com/">TheMortgageGoToGuy!!</a></font></u> <br /></strong></p> <p align="center"><em>Your Source for Residential and Commercial <br />Mortgage Loans in Florida</em></p> <div class="wlWriterSmartContent" id="scid:0767317B-992E-4b12-91E0-4F059A8CECA8:892896d2-07c6-4f4a-bb4d-c9a3e7f923c4" style="padding-right: 0px; display: inline; padding-left: 0px; padding-bottom: 0px; margin: 0px; padding-top: 0px">Technorati Tags: <a href="http://technorati.com/tags/real%20estate%20development" rel="tag">real estate development</a>, <a href="http://technorati.com/tags/real%20estate%20syndicate" rel="tag">real estate syndicate</a>, <a href="http://technorati.com/tags/investment" rel="tag">investment</a>, <a href="http://technorati.com/tags/mortgage" rel="tag">mortgage</a>, <a href="http://technorati.com/tags/foreign%20national" rel="tag">foreign national</a>, <a href="http://technorati.com/tags/florida" rel="tag">florida</a>, <a href="http://technorati.com/tags/real%20estate" rel="tag">real estate</a>, <a href="http://technorati.com/tags/foreign%20exchange" rel="tag">foreign exchange</a></div> David A. Podgursky, Boynton Beach Lake Worth Realtor - Boca Executive Realtyhttp://www.blogger.com/profile/08341997722962969067noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-75782066664707403382008-03-02T18:59:00.000-05:002008-03-03T19:03:26.616-05:00Do You have the Credit Score Blues?Published by your Real Estate Expert, <a title="Posts by Colleen Kulikowski" href="http://www.buffaloniagararealestatehomesales.com/wnyrealtor/author/wnyrealtor/">Colleen Kulikowski</a><br /><br /><div align="justify"><br />Recently we wrote an article entitled “<a href="http://www.buffaloniagararealestatehomesales.com/wnyrealtor/2008/02/03/can-i-get-a-home-with-poor-credit-in-niagara-falls/">Can I buy a home in Niagara Falls with bad Credit?</a>“ And a question came up from a reader that caught me off guard “What is a Credit Score?” and then the next question that sprang up was “why is it so important?” Well I found this video from CreditDVD, which does an excellent job both explaining What is a Credit Score and why it is important to all consumers wishing to use credit to fund their purchase. The video is a bit cheeky, but it explains in very basic details how your <a title="what is a credit score" href="http://en.wikipedia.org/wiki/Credit_score">credit score </a>will affect your ability to purchase with credit. </div><div align="right"><br /><br /><br />Read More at: <a href="http://www.buffaloniagararealestatehomesales.com/wnyrealtor/2008/03/02/do-you-have-the-credit-score-blues/" rel="bookmark">Do You have the Credit Score Blues?</a><br /><br /><object height="355" width="425"><param name="movie" value="http://www.youtube.com/v/rSEPZTxQ-lM&rel=1&border=0"><param name="wmode" value="transparent"><embed src="http://www.youtube.com/v/rSEPZTxQ-lM&rel=1&border=0" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-37783795420823647002008-02-12T11:49:00.000-05:002008-02-12T11:52:50.802-05:00Valentine's Day 2008 Marco Island Florida<h3 class="post-title entry-title"> <a href="http://marcoislandhomes.blogspot.com/2007/02/marco-island-valentines-day-last-minute.html"><br /></a> </h3> <p><img style="width: 190px; height: 203px;" src="http://activerain.com/image_store/uploads/8/7/4/5/0/ar117145970005478.jpg" mce_src="/image_store/uploads/8/7/4/5/0/ar117145970005478.jpg" alt=" " align="right" hspace="24" /></p><p> </p><p>You didn't do something for your sweetheart for Valentine's day and now you are in a panic. What should you do?</p><br /><p>Don't Panic there is time! Visit my post from last year for a great list of ideas to save Valentine's Day on Marco Island at:</p><h3 class="post-title entry-title"><a href="http://marcoislandhomes.blogspot.com/2007/02/marco-island-valentines-day-last-minute.html">Marco Island | Valentine's Day Last Minute Ideas</a></h3><br /><br /><p><br /> </p>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-62694499437192060862008-01-31T14:22:00.001-05:002008-01-31T14:22:34.725-05:00Florida Mortgage & Real Estate | "Market" talk...<p>Listening to the News - Local in <strong>Florida</strong> or National on <a href="http://www.cnn.com" target="_blank">CNN</a>, <a href="http://www.cnn.com/HLN/" target="_blank">Headline News</a> or <a href="http://www.msnbc.com" target="_blank">MSNBC</a> - you learn that there is a big chasm in the interpretation of "The Market" and what that actually refers to.</p> <p><img style="margin: 10px 0px 10px 10px" height="240" alt="NYSE Market Jpeg from Wikipedia" src="http://upload.wikimedia.org/wikipedia/commons/2/25/NYSESecurity.JPG" width="180" align="right" /> To some, "The Market" is a<strong> MacroEconomic</strong> entity that encompasses all the good and especially the bad from "Sea to Shining Sea".  It also includes the downturn of housing prices in <strong>Florida</strong>, the <strong>Subprime Mortgage</strong> Meltdown, and all things in between.  </p> <p>Unfortunately, "The Market" should be viewed through a <strong>MicroEconomic</strong> looking glass if you are really strategizing and analyzing properly.</p> <p>So when I hear someone say, <em>"Well, due to this market..."</em> I wonder what they're referring to?  </p> <p>Could it be just an ignorance of the difference between Macroeconomics and Microeconomics...</p> <p>Comparing <strong>Daytona Beach Florida</strong> versus <strong>Sebring Florida</strong> is apples to oranges but too many people have been slinging mud about "The Market" without realizing how sweepingly generalities as such just prove their own susceptibility to myopia.</p> <p>So when you hear someone say, "The Market"... figure out which one they are talking about.  The national Morning News generality or the local real estate professional's local perspective.</p> <p>Maybe you can tell me now which one is "in the know". </p> <p>For more details on this phenomenon, read the full article by following this link -o-> <a href="http://themortgagegotoguy.com/florida-real-estate-mortgage-prognosticating-the-markets/">Florida Real Estate & Mortgage | Prognosticating the Market(s)</a></p> <p></p> <hr /> <p></p> <p></p> <p align="center"><em>More Real Estate Industry News You Can Use from</em> <br /><strong><u><a href="mailto:david@themortgagegotoguy.com">David A. Podgursky, MBA</a></u></strong> <br /><strong><a href="http://www.themortgagegotoguy.com" target="_blank">The Mortgage Go To Guy!</a> <br /></strong><em>Your Source for Residential and Commercial Mortgage Loans in Florida</em></p> David A. Podgursky, Boynton Beach Lake Worth Realtor - Boca Executive Realtyhttp://www.blogger.com/profile/08341997722962969067noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-18864947372102259432008-01-30T14:12:00.000-05:002008-01-30T15:13:22.867-05:00Real Estate News from the Internet...Marco Island News from around the Internet:<br /><br />Fed Rate Cut Spurs Mortgage ApplicationsMortgage applications rose 7.5 percent last week on a seasonally adjusted basis, according to the Mortgage Bankers Association. <a href="http://www.realtor.org/RMODaily.nsf/pages/News2008013001?OpenDocument">Read more ></a><br /><br />New Home Sales Drop to 1980 LevelsHowever, not all markets are feeling the crunch. Sales posted a slight 1.6 percent advance in the Northeast. <a href="http://www.realtor.org/RMODaily.nsf/pages/News2008012903?OpenDocument">Read more ></a><br /><br />FICO Scoring System Gets RedesignFair Isaac Corp., which devised the ubiquitous FICO credit scores, announced this week that it plans to roll out a suite of tools designed to predict future default risk. <a href="http://www.realtor.org/RMODaily.nsf/pages/News2008013005?OpenDocument">Read more ></a>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-72988287631524206812008-01-24T12:34:00.000-05:002008-01-24T12:52:04.615-05:00Mortgage Report for Marco Island Florida<p><a href="http://www.mortgageratesreport.com/mortgage-rates-report-january-24-2007-partya-039-s-almost-over">Marco Island Florida Mortgage Rates Report: January 24, 2007</a></p><p align="justify"><br />Mortgage rates are reversing course and headed higher in the next 7-10 days. Lock mortgage rates for all loans, purchases and refinances at application. Don't hold out <a href="http://www.mortgageratesreport.com/should-i-refinance-my-mortgage-now-or-wait-until-j">to see if the Fed will cut rates farther</a>; the mortgage lenders have already anticipated a January 30 Fed cut and priced it into the market. </p><p align="justify">If the Fed doesn't cut rates, mortgage rates are going to skyrocket. If you were planning on refinancing your mortgage rate,<a href="http://www.mortgageratesreport.com/should-i-refinance-my-mortgage-now-or-wait-until-j"> the train is starting to leave the station and will quickly pick up steam.</a> The opportunity to get a 30 year fixed rate mortgage rate under 5.5% may quickly disappear as lenders try to slow down demand. The last three days have been hectic with past clients calling me looking to lock-in a low rate. You have a window of maybe 48 hours to get that great mortgage rate.</p><p align="justify">Please contact me:</p><ul><li><div align="justify">Call me on my cell phone at 858-699-4590</div></li><li><div align="justify">E-mail me at brian (at) californialoanconnection (dot) com</div></li><li><div align="justify">Apply for a loan online at <a href="http://www.californialoanconnection.com/apply">http://www.californialoanconnection.com/apply</a> </div></li></ul><p align="justify"><br />Over 700 families trust me to help them with their mortgage so we are incredibly backed up. I will be checking my voice mail every couple of hours Be sure to leave specific contact information.</p><p align="center"><br /><span style="font-size:130%;"><span style="font-size:180%;color:#ff6666;">DO NOT RELY ON THE E-MAIL!</span><br />CALL TO BE SURE THAT I KNOW </span><span style="font-size:130%;">YOU NEED<br />TO REFINANCE YOUR MORTGAGE.<br /></p></span><p align="center"><br />_____________________________________________<br />This information provided by:<br />Brian Brady, Mortgage Planner<br />World Wide Credit Corp<br />Phone: (858) 503-2318<br />Fax: (858)-605-4230<br /><a title="mailto:bbrady@worldwidecredit.com" href="mailto:-605-4230bbrady@worldwidecredit.com">bbrady@worldwidecredit.com</a><br /><a title="outbind://17-000000007F092F2A1A107F4EB9572460794F57E3E4692A00/www.MortgageRatesReport.com" href="http://www.mortgageratesreport.com/" target="_blank">http://www.mortgageratesreport.com/</a></p><p align="center"> </p>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-56860799269279312002008-01-22T15:34:00.000-05:002008-01-23T15:38:49.039-05:00Upcoming Marco EventsHEALTHY LIFE LECTURE SERIES CONTINUES<br />Mark the Calendar, January 22nd, February 26, March25 and April 8<br /><br />Marco Island, FL-The City of Marco Island Parks and Recreation Department, the Marco Island Civic Association, the Marco Island YMCA, and Orion Bank, have partnered with Medical Surgical Specialists to bring the second installment of the Healthy Living Lecture Series.<br />The classes for the next four months are:<br />January 22nd, Cardiology and Heart Screening<br />February 26th, Attention Deficit-Hyperactivity Disorder (both children and adults)<br />March 25th, Colorectal Screenings and new Laparoscopic surgical techniques<br />April 8th, Battle of the Sexes, Prostate Cancer and Women's Reproductive Cancer.<br />Lecture topics are subject to change due to physician’s availability. For more information call Mindy Matusiak at 239-642-0575.<br /><br /><div align="center">**********************************</div><br />SAVE THE DATE: January 26th<br />TIME: 10:00 a.m. and 2:00 p.m.<br />WHERE: Mackle Park<br />WHAT: 3rd annual Simply Silly Celebration<br /><br />Residents and visitors can participate in the Sour Power Key Lime Pie Contest, listen to some great blues music, jump in a bounce house, play on a bungee trampoline, try a bungee run, stick to a velcro wall, experience inflatable sumo wrestling, or just watch all of the silly madness. It will be a great day to enjoy the community, the park and silly fun. For additional information: Dana Souza, Parks and Recreation Director 239-642-0575<br /><br /><br /><div align="center">**********************************</div><br />LEARN HOW TO PROTECT PARADISE ON JANUARY 25th Florida-friendly landscaping seminar planned for residents<br /><br />Marco Island, FL--The City of Marco Island, the City’s Beautification Advisory Committee, the University of Florida and the Project Greenscape staff will host an educational seminar for homeowners on January 25th at Mackle Park. This seminar will be 2:00 p.m. to 4:00 p.m. and will cover the benefits of Florida-friendly landscaping. Specifically, the benefits that could save time, energy and money while protecting our fragile environment.<br /><br />"The quality of life on Marco Island is directly impacted by the quality of the environment," said, Councilor Terri DiScuillo.~ "Programs like this will continue to promote the citizen’s education about our environment and ways they can commit to be environmental stewards."<br /><br />The presenter for the workshop is Cathy Feser, Urban Horticulture Agent, University of Florida Collier County Extension Office who will speak on "Landscape Principles for Marco Island".<br />"It is important that we educate Marco Island homeowners and residents about using native and Florida friendly plant material in our yards and gardens," said Alan Brown, a member of the City's Beautification Advisory Committee. "It is timely that this workshop is being presented when Marco Island is facing stricter water use regulations for our gardens."<br /><br />The workshop is one of the Beautification Advisory Committee's annual activities and is consistent with their goal to beautify Marco Island through community education.<br />For more information about Project Greenscape visit the Florida Department of Environmental Protection’s website at <a href="http://www.rookerybay.org/CTP-BMP.html">http://www.rookerybay.org/CTP-BMP.html</a> <<a href="http://www.rookerybay.org/CTP-BMP.html">http://www.rookerybay.org/CTP-BMP.html</a>><br /><br />Mackle Park Community Center is located at 1361 Andalusia Terrace, Marco Island, Florida.<br />For more information about the seminar contact the City of Marco Island Parks and Recreation Department at 642-1666.Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-63096283505281795582008-01-19T10:28:00.000-05:002008-01-23T10:29:23.799-05:00January 2008 Marco Island News HeadlinesJanuary has been a busy month! Here are a few news articles that I thought you might find of interest:<br /><br /><a href="http://www.naplesnews.com/news/2008/jan/22/marco-bank-hosts-historic-displays/">Marco bank hosts historic displays</a> - Naples,FL,USAPeople interested in the history of Marco Island are invited to attend talks and look at displays to be presented at Orion Bank on Marco Island today<br /><br /><a href="http://www.naplesnews.com/news/2008/jan/20/elections-complaint-lodged-against-celebrate-marco/">Elections complaint lodged against Celebrate Marco</a> - Naples,FL,USABy LESLIE WILLIAMS (Contact) Marco Island resident Bill McMullan has filed a complaint with the Florida Elections Commission, alleging a violation of ...<br /><br /><a href="http://www.zwire.com/site/news.cfm?newsid=19221640&BRD=2256&PAG=461&dept_id=455823&rfi=6">With candidate debates over, residents await</a> ...Marco Island Sun-Times - Marco Island,FL,USABy Daniel Winnningham In less than a week, Marco Island residents will find out who will be serving on City Council. Election day is Tuesday, Jan.<br /><br /><a href="http://www.naplesnews.com/news/2008/jan/14/some-collier-residents-take-advantage-early-voting/">Some Collier residents take advantage of early voting</a> - Marco Island,FL,USAOn the local level, both the City of Naples and the City of Marco Island have City Council elections Jan. 29. In addition, the much-debated Florida ...<br /><br /><a href="http://marcoislandblog.blogspot.com/2008/01/is-truth-irrelevant.html">Is the Truth Irrelevant?</a>By Mario R. Sanchez, Ph.D.(Mario R. Sanchez, Ph.D.) Incredibly, there are candidates running on this platform (not incredibly if you have lived on Marco Island for more than a month). And purely understandable is the endorsement of these candidates by the local race tip sheet and the ...<br /><br /><a href="http://marconews.com/news/2008/jan/15/business-spotlight-insurance-solutions-sw-florida/">Business Spotlight: Insurance Solutions of SW Florida. </a>Also, due to recently remapped lowered FEMA Flood Elevation changes for nearly half of Marco Island, many homes that carry flood policies are due large premium reductions for their flood policies.” — Ken Moss.Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-63728173090990799902008-01-13T19:17:00.000-05:002008-01-20T19:19:33.095-05:00What does the Mortgage Crisis have to do with Marco Island? And will it affect YOUR ability to get a Mortgage on Marco Island?<div align="center">Here is an excellent video explaining the mortgage crisis and the future of the mortgage industry. This video was produced by Dan Green of the Mortgage Reports.<br /><br /></div><div align="center"><div style="PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 5px; WIDTH: 400px; PADDING-TOP: 5px; TEXT-ALIGN: center"><a style="FONT: 11px Arial, Verdana" href="http://www.wellcomemat.com/video/38BAC1820B">null</a></div></div><div align="center"><embed pluginspage="http://www.adobe.com/go/getFlashPlayer" src="http://www.wellcomemat.com/wm/v/v/s/lg/p/6379/t/p/img/x/v/x" width="400" height="460" type="application/x-shockwave-flash" quality="high" wmode="transparent"></embed></div>Anonymoushttp://www.blogger.com/profile/12603446119970988834noreply@blogger.com0tag:blogger.com,1999:blog-2620568658291814210.post-54265430578120499962008-01-08T14:36:00.001-05:002008-01-08T14:36:01.243-05:00Florida Real Estate & Mortgage | 2008 and $100 Barrels of Oil ~ The Year Ahead...<p>This time of year, everyone wants to be a prognosticator of what lies ahead for the coming year in the world, the US, the economy and the  <strong>Real Estate and Mortgage Industries</strong>.  It is funny how many differing <img style="margin: 10px" src="http://themortgagegotoguy.com/wp-content/uploads/2008/01/money-oil-barrel-thumb.jpg" align="right" /> reports we get from so many different sources.</p> <p>The hardest thing to swallow, though, are the reports from people who really have no clue what they are talking about - Jim Cramer - or who report on an entire Industry and panic the <strong>local markets</strong>!</p> <strong>Local markets</strong> are what I like to focus my efforts on... why? because you can really see how effective or how ineffective the national news really are! <p></p> <p>It is important whether you are a<strong> Realtor, Buyer, Seller, Mortgage Broker, Banker, Investor</strong>, or Journalist to realize that there is "The Market" and there are sub-markets within each Region, State, County, City, Municipality, School District, Community, Developments, Neighborhood and even within neighborhoods themselves that will have their own individual ups and downs.</p> <blockquote> <p>This means that while "The Market" may remain bleak or "bloody" as some luxury condo developers are saying to me... the sub-markets may be rosy! </p> </blockquote> <p>So my advice to all lookers is to really observe each market and sub-market individually.  Know the ins and outs...</p> <ul> <li>Maybe the community where you want to buy/invest has hit bottom already.  </li> <li>Maybe you don't have a lot of time to keep watching because prices may start ticking up. </li> <li>Perhaps rates are so favorable right now that you should not pass up a great opportunity </li> <li>Perhaps a new development is popping up and it would be a great time for you to buy affordable pre-construction </li> </ul> <p>Remember... the market is fickle...but the submarkets are even moreso.  What one person thinks about their surroundings may not fit all surroundings.  <strong>Working with Real Estate and Mortgage professionals</strong> that can help you sift through all the negativity and see the real picture is the only way to proceed in this market.</p> <p>For the full article, click on the following link -o-> <a href="http://themortgagegotoguy.com/florida-real-estate-mortgage-2008-and-100-barrels-of-oil-what-lies-ahead/">Florida Real Estate & Mortgage | 2008 and $100 Barrels of Oil ~ What lies ahead?</a></p> <p></p> <hr /> <p></p> <p align="center">More <strong>Florida Mortgage</strong> and Real Estate News You Can Use From <br /><strong><a href="mailto:david@themortgagegotoguy.com" target="_blank">David A. Podgursky, MBA</a> <br /></strong><em><a href="http://www.themortgagegotoguy.com">TheMortgageGoToGuy.com</a></em> <br />Your Source for <strong>Residential, Commercial, Investment and Relocation Mortgages in Florida</strong></p> David A. Podgursky, Boynton Beach Lake Worth Realtor - Boca Executive Realtyhttp://www.blogger.com/profile/08341997722962969067noreply@blogger.com0