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Chris & Deane Harker --- Call Free 1-888-553-2923
FOR SW FLORIDA BUYERS "BYE BYE GOOD TIMES" FOR SW FLORIDA SELLERS "GOOD TIMES ARE ON THEIR WAY BACK"
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US NEWS & WORLD REPORT BONITA SPRING SECOND Greatest Retirement Spot for Golf Nuts From the Gulf coast to the Pacific Northwest, fine places to tee it up For genuine golf junkies, there's nothing like retirement. With your schedule cleared of the 9-to-5 grind, you're finally free to pass the days as you always wished: taking extra swings at the driving range, lining up that perfect putt on the 18th hole, and enjoying the fresh-cut grass and sunshine. But for retirees, golf offers much more than just fun. In addition to the exercise, the game provides seniors with a wonderful social outlet, says 18-year LPGA Tour veteran Penny Pulz. "You [have] to deal with people that aren't always on your page—and that is terribly important in seniors," says Pulz, who now runs the senior-focused Penny Pulz Golf Academy in Sun City, Ariz. We dug into the U.S. News database of more than 1,000 Best Places to Retire and came up with a list specifically tailored for duffers. Of course, retiring golfers have no lack of attractive options. Bonita Springs, Fla., is within easy reach of more than 135 courses in Lee County and is just a 20-minute zip down the sun-kissed southwest Florida coast to Naples, one of the country's golf meccas. 10 great retirement spots for golf nuts
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NAPLES IS NUMER ONE Home sweet retirement home With prices down by a third in many markets, it may be time to start shopping for the house you want to end up in. Money Magazine -- My wife and I recently swallowed hard and bought a tiny cabin on a prime lake-front lot near the Berkshire hills in western Massachusetts where we'd like to retire one day. (At a later date, we'll build a bigger house.) Were we early, buying before housing prices hit rock bottom? Almost certainly. Are we losing sleep over it? Absolutely not. We love knowing we've locked up a fantastic piece of property at 20% below the asking price - the price it might have fetched a few years ago. Now we're enjoying planning for our retirement in specifics - and meanwhile, spending as much time in our Berkshires retreat as we are able to. If you also dream of retiring to an idyllic waterfront locale, a country plot or an active-adult community, you may similarly find that now is the right time to buy - or at least to start looking in earnest. Prices in once frothy retirement havens like Las Vegas, Naples, Fla. and Phoenix have tumbled more than 30% since peaking in 2006. Sure, values may go lower still, given forecasts that the housing market will stay soft through 2009. Picking the exact bottom is a dicey game, however. And in any case, the question that matters most to retirement buyers is not what price the house you want will sell for next year but whether it will be worth more than what you paid for it in, say, 10 or 15 years. Framed that way, the values in retirement homes right now are compelling in many areas. The following steps can help you decide if you're ready to make this leap and, if so, how to land the best deal.
LETS ALL HOPE THE ECONOMIC CLIMATE FOR 2010 WILL IMPROVE ...............yyyyyyyyyyyyyyyyyyyyyyy The “What Ifs” of an Economic Downturn The Internal Revenue Service recognizes that many people may be having difficult times financially. There can be a tax impact to events such as job loss, home foreclosure and short sales or tapping a retirement fund. If your income decreased, you may be newly eligible for certain tax credits, such as the Earned Income Tax Credit. If you believe you may have trouble paying your tax bill contact the IRS immediately. There are steps to help ease the burden. You also should file a tax return even if you are unable to pay so you can avoid additional penalties. READ FULL SUGGESTIONS FROM OUR FRIENDLY IRS
CHRIS SAYS Some interesting statistics Sales: Sales are very strong for detached houses and good for condo's - and both are increasing. A small price recovery has been underway since August 2008 for homes under $300,000 and is expected to continue. Prices are expected to rise for other priced homes by the fourth quarter of 2009. Affordability is better now than it was in 2006. The inventory of existing homes is going down, and Chris calls this a sellers market for homes under $400,000. (This is a key factor in price. As inventory declines, price goes up.) Housing: Markets Nationally Sales of Existing Homes. National Down 29% as of September 2008 from September 2005 peak. National Up 1.4% 12 month from September 2007 and ending in September 2008. Prices of Existing Homes. Median National Down 17% as of July 2008 from July 2006 peak. Median National Down 9% 12 month from September 2007 and ending September 2008. Sales of New Single Family Homes. National Down 65 % as of September 2008 from March 2005 peak. National Down 34 % for 12 month from August 2007 and ending August 2008. Current Factors Impacting Market. Traffic, Prices, Incentives, Foreclosures, Overdue Mortgages. Upside Down Mortgages. 2006 at 4% 2007 at 6% 2008 at 16%
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US NEWS & WORLD REPORT NAPLES THIRD Best Undervalued Place to Live The real estate bust has created some attractive bargain opportunities in certain housing markets While the national housing bust has devastated property values, it has also created some outstanding bargain opportunities for would-be home buyers—if you know where to look. During the first half of the decade, easy credit and speculative fervor sent home prices in certain states—Florida, California, Nevada—scorching to phenomenal heights. But nearly three years into a real estate crash that's dragged home prices down 32 percent from their 2006 peaks, some of these once wildly overpriced markets present today's real estate shoppers with perhaps their best shot at long-term value. "What we have seen is that those markets that became significantly overvalued [during the housing boom] are right now very undervalued," says Jeannine Cataldi, senior economist and manager of IHS Global Insight's Regional Real Estate Service. To pinpoint the nation's most undervalued housing markets, we turned to IHS Global Insight's first-quarter 2009 House Prices in America report, which uses household income, population density, and other data to compare a market's actual value with where it should be on a statistical basis. We then used employment, quality-of-life, and other research to determine America's best undervalued places to live. Naples Florida More than two years of price declines have turned some of Florida's most overpriced communities into buying opportunities, says Jack McCabe of Florida-based McCabe Research & Consulting. "There are definitely opportunities in the marketplace now that make sense," he says. The upscale retirement community of Naples is one such market, McCabe says. With plenty of golf, beaches, and fishing, Naples is an enchanting, sun-drenched spot along Florida's southwest coastline. And after home prices plummeted by nearly 50 percent from the first quarter of 2006 to the first quarter of 2009, the housing market is looking increasingly tempting. IHS Global Insight considers the median home price in Naples—$200,000—to be 33 percent undervalued. America's 10 Best Undervalued Places to Live
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Chris wants to say please listen – sales are on fire for homes under $300,000 - and bargains are VERY HARD TO FIND. Beginning in summer of 2009 buyers shopping for price bargains began "bidding up" the listed price for "short sales" and "bank owned" homes. This bubble shrunk down and this cooling down of the housing prices makes it a great time to buy a home in Southwest Florida. Homebuyers in Southwest Florida have never had so many thousands of new and re-sale home choices and at prices that are truly unbelievable. (Anyway, Chris can't believe it). All types of homes available -golf course, waterfront, gated communities, single-family homes, villa and condo homes. BUYERS BARGAINS will not continue. Many many CHRIS HAS TOLD SOME OF HIS PROSPECTS THAT HE DID NOT FEEL THEY WERE READY FOR OWNERSHIP! GET ON THE PHONE, DIAL OUR FREE NUMBER. TALK TO CHRIS ABOUT IT Free 1-888-553-2923 AND YES, BELIEVE IT OR NOT, EVEN
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Chris says RIGHT NOW is the Time To Buy! "I think this is actually the biggest (real estate) bubble in U.S. history and possibly even world history." Robert J. Shiller, Stanley B. Resor Professor of Economics, Yale University.
