Friday, June 30, 2006
EPOCA DE HURACANES AFECTA MERCADO DE BIENES RAICES
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
LA TEMPORADA DE HURACANES COMENZO Y EL COSTO DE LA COBERTURA DE LOS SEGUROS AUMENTO DRAMATICAMENTE. LAS COMPANIAS DE SEGURO FUERON FORZADAS POR LEGISLACION A AUMENTAR DRASTICAMENTE LAS PRIMAS DE SEGURO E INUNDACION O BAJAR SU COBERTURA. ESTO HA TENIDO IMPLICACIONES A DUENOS , VENDEDORES Y POTENCIALES COMPRADORES.
HISTORICAMENTE EL ESTADO DE L FLORIDA ES UNA DE LAS REGIONES QUE RECIBE EL MAYOR IMPACTO DE PERDIDAS POR HURACANES DE L NACION, EL 38% POR CIENTO DE LAS PERDIDAS DEL TOTAL DE LOS ESTADOS UNIDOS PERTENECEN A ESTA REGION.
EXISTEN VARIOS ESTUDIOS COMO EL LLAMADO (IMPACTO DE LOS HURACANES EN LA ACTIVIDAD ECONOMICA Y DE BIENES RAICES) QUE ESTUDIO EL IMPACTO DE LOS HURACANES CATEGORIA TRES EN LA FLORIDA.
ESTOS DESASTRES NATURALES DESTRUYEN COMUNIDADES , Y NO SOLO POR LA FUERZA DE LA NTURALEZA, SI NO POR ALTERAR EL PATRON ECONOMICO POSTERIOR AL EVENTO. POR EJEMPLO CUANDO LAS PERSONAS EN ZONAS DE ALTO RIESGO TRATAN DE OBTENER SUS NUEVOS SEGUROS O NO PUEDEN RETENER SUS SEGUROS POR SU ALTO COSTO A VECES SE VEN FORZADOS HASTA REFINANCIAR SUS PROPIEDADES CON EL OBJETIVO DE RETENER SU SEGURO DE PROPIEDAD. ESTO AFECTA SU CAPACIDAD DE INVERTIR POR EJEMPLO EN UNA SEGUNDA RESIDENCIA U OTRO TIPO DE INVERSION EN BIENES RAICES.
A CONTINUACION INFORMACION ADICIONAL DE LO QUE ENCONTRO ESTE ESTUDIO
The number of Category 3 hurricanes that made landfall was, surprisingly, quite rare in the latter half of the 20th century. Six hurricanes of such intensity hit the Florida coast in the 50-year time span -- roughly only one per decade.
However, an unprecedented number of strong hurricanes, including the most powerful hurricane ever measured, Hurricane Wilma, caused unprecedented devastation in 2004 and 2005. Eight hurricanes rating Category 3 or higher blew past Florida in just two years.
Local economies of the affected regions, at least in Florida, generally rebounded quickly after the storms. The job markets strengthened following the hurricanes, due to reconstruction efforts in the region. Both federal assistance and private insurance payouts contributed to the quick rebound.
Housing activity declined significantly in the months immediately following the hurricanes. But, as with the job market, housing activity returned to pre-storm conditions generally within three or four months after the hurricanes.
Florida has been the top state in terms of net migration for quite some time. The number of people moving into the Sunshine State far exceeded the number of people moving out. Only one-third of current Florida residents were born in the state. Recent migration patterns of people moving into and out of the hurricane affected regions and all of Florida suggest no lasting longer-term migration impact. The impacted regions continued to draw a high number of new residents, essentially the same as before the hurricanes.
However, the insurance industry, both private and the Florida state-run program, has come under great financial strain due to record claims from the 2004 and 2005 hurricanes. Insurance companies have been forced to significantly raise premiums and in some cases have denied coverage in high-risk regions. The state’s insurer of last resort, Citizens Property Insurance Corp., has also come under great financial distress and have been forced to raise its insurance premiums significantly.
The current high cost and limited coverage of property insurance appear to be impacting the housing market. Unlike past hurricanes, home sales in the hurricane-struck regions and other areas have been lowered significantly with no evident signs of pick-up, even five months after the 2005 hurricanes hit. Though part of the current shift in the market may be attributed to higher mortgage rates and the dramatic rise in Florida home prices of the past five years, the current sales in Florida appear far lower than can be justified purely by these economic factors.
Slowing housing activity often precedes an economic slowdown. With Florida as the largest and most consistent generator of jobs in the country, a downfall in Florida will inevitably have national repercussions.
The highly unusual number of hurricanes in 2004 and 2005 was both catastrophic and “unpredictable.” Hurricanes of such strength and frequency could not have been anticipated through normal historical actuarial analysis and, hence, cannot be considered as normal insurable losses. A nationwide federal catastrophic insurance coverage will permit insurance companies to better manage risk and widen insurance availability at reasonable costs. Just as with federal terrorism insurance, coverage on unknowable events allows the private insurance market to continue its presence.
A federal catastrophic insurance program will not only benefit Floridians, but also residents living near the Mississippi River (flooding), people in Kansas and Oklahoma (tornadoes), West Coast residents from San Diego to Alaska (earthquakes), Texans and Coloradoans (wildfires), and numerous other people in cases of unforeseen and “unpredictable” natural disasters - far more frequent and/or much more destructive than would be expected based on normal historical patterns.
GRACIAS POR VISITAR MIY BLOG
WWW.JOSERAULMARRERO.COM
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC.
407-436-5140
RECUERDA TODOS SOMOS GUERREROS D LUZ
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
LA TEMPORADA DE HURACANES COMENZO Y EL COSTO DE LA COBERTURA DE LOS SEGUROS AUMENTO DRAMATICAMENTE. LAS COMPANIAS DE SEGURO FUERON FORZADAS POR LEGISLACION A AUMENTAR DRASTICAMENTE LAS PRIMAS DE SEGURO E INUNDACION O BAJAR SU COBERTURA. ESTO HA TENIDO IMPLICACIONES A DUENOS , VENDEDORES Y POTENCIALES COMPRADORES.
HISTORICAMENTE EL ESTADO DE L FLORIDA ES UNA DE LAS REGIONES QUE RECIBE EL MAYOR IMPACTO DE PERDIDAS POR HURACANES DE L NACION, EL 38% POR CIENTO DE LAS PERDIDAS DEL TOTAL DE LOS ESTADOS UNIDOS PERTENECEN A ESTA REGION.
EXISTEN VARIOS ESTUDIOS COMO EL LLAMADO (IMPACTO DE LOS HURACANES EN LA ACTIVIDAD ECONOMICA Y DE BIENES RAICES) QUE ESTUDIO EL IMPACTO DE LOS HURACANES CATEGORIA TRES EN LA FLORIDA.
ESTOS DESASTRES NATURALES DESTRUYEN COMUNIDADES , Y NO SOLO POR LA FUERZA DE LA NTURALEZA, SI NO POR ALTERAR EL PATRON ECONOMICO POSTERIOR AL EVENTO. POR EJEMPLO CUANDO LAS PERSONAS EN ZONAS DE ALTO RIESGO TRATAN DE OBTENER SUS NUEVOS SEGUROS O NO PUEDEN RETENER SUS SEGUROS POR SU ALTO COSTO A VECES SE VEN FORZADOS HASTA REFINANCIAR SUS PROPIEDADES CON EL OBJETIVO DE RETENER SU SEGURO DE PROPIEDAD. ESTO AFECTA SU CAPACIDAD DE INVERTIR POR EJEMPLO EN UNA SEGUNDA RESIDENCIA U OTRO TIPO DE INVERSION EN BIENES RAICES.
A CONTINUACION INFORMACION ADICIONAL DE LO QUE ENCONTRO ESTE ESTUDIO
The number of Category 3 hurricanes that made landfall was, surprisingly, quite rare in the latter half of the 20th century. Six hurricanes of such intensity hit the Florida coast in the 50-year time span -- roughly only one per decade.
However, an unprecedented number of strong hurricanes, including the most powerful hurricane ever measured, Hurricane Wilma, caused unprecedented devastation in 2004 and 2005. Eight hurricanes rating Category 3 or higher blew past Florida in just two years.
Local economies of the affected regions, at least in Florida, generally rebounded quickly after the storms. The job markets strengthened following the hurricanes, due to reconstruction efforts in the region. Both federal assistance and private insurance payouts contributed to the quick rebound.
Housing activity declined significantly in the months immediately following the hurricanes. But, as with the job market, housing activity returned to pre-storm conditions generally within three or four months after the hurricanes.
Florida has been the top state in terms of net migration for quite some time. The number of people moving into the Sunshine State far exceeded the number of people moving out. Only one-third of current Florida residents were born in the state. Recent migration patterns of people moving into and out of the hurricane affected regions and all of Florida suggest no lasting longer-term migration impact. The impacted regions continued to draw a high number of new residents, essentially the same as before the hurricanes.
However, the insurance industry, both private and the Florida state-run program, has come under great financial strain due to record claims from the 2004 and 2005 hurricanes. Insurance companies have been forced to significantly raise premiums and in some cases have denied coverage in high-risk regions. The state’s insurer of last resort, Citizens Property Insurance Corp., has also come under great financial distress and have been forced to raise its insurance premiums significantly.
The current high cost and limited coverage of property insurance appear to be impacting the housing market. Unlike past hurricanes, home sales in the hurricane-struck regions and other areas have been lowered significantly with no evident signs of pick-up, even five months after the 2005 hurricanes hit. Though part of the current shift in the market may be attributed to higher mortgage rates and the dramatic rise in Florida home prices of the past five years, the current sales in Florida appear far lower than can be justified purely by these economic factors.
Slowing housing activity often precedes an economic slowdown. With Florida as the largest and most consistent generator of jobs in the country, a downfall in Florida will inevitably have national repercussions.
The highly unusual number of hurricanes in 2004 and 2005 was both catastrophic and “unpredictable.” Hurricanes of such strength and frequency could not have been anticipated through normal historical actuarial analysis and, hence, cannot be considered as normal insurable losses. A nationwide federal catastrophic insurance coverage will permit insurance companies to better manage risk and widen insurance availability at reasonable costs. Just as with federal terrorism insurance, coverage on unknowable events allows the private insurance market to continue its presence.
A federal catastrophic insurance program will not only benefit Floridians, but also residents living near the Mississippi River (flooding), people in Kansas and Oklahoma (tornadoes), West Coast residents from San Diego to Alaska (earthquakes), Texans and Coloradoans (wildfires), and numerous other people in cases of unforeseen and “unpredictable” natural disasters - far more frequent and/or much more destructive than would be expected based on normal historical patterns.
GRACIAS POR VISITAR MIY BLOG
WWW.JOSERAULMARRERO.COM
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC.
407-436-5140
RECUERDA TODOS SOMOS GUERREROS D LUZ
Monday, June 26, 2006
EL DE PARTAMENTO DE COMERCIO DE ESTADOS UNIDOS REPORTA AUMENTO EN EL INDICE DE VENTAS DE CASAS NUEVAS PARA EL MES DE MAYO
Sales of new homes post unexpected increase in May
UN MARAVILLOSO DIA PARA TODOS
EN CONTRA DE TODOS LOS PRONOSTICOS, EL MES DE MAYO REFLEJO UN INCREMENTO EN VENTAS DE CASAS NUEVAS A NIVEL DE ESTADOS UNIDOS.
TODOS LOS PRONOSTICOS ERAN DE UNA PROYECCION DE DECLIVE POR EL INCREMENTO DE LOS INTERESES HIPOTECARIOS.
EL INCREMENTO REFLEJADO ES DE UN 4.6% (1.234 MILLONES DE UNIDADES) Y EL PRECIO PROMEDIO DE UNA RESIDENCIA DECLINO HASTA $235,000.00
ESTE DEFINITIVAMENTE ES UN BUEN MOMENTO PARA COMPRAR POR LAS OFERTAS DE PAGO DE GASTOS DE CIERRES Y OTROS INCENTIVOS QUE SE ESTAN PRESENTANDO.
LOS BAJOS INTERESES DE LOS PASADOS CUATRO ANOS AYUDARON A ESTABLECER UN PERIODO DE PROPERIDAD EN LA INDUSTRIA DE BIENES RAICES POR LOS PASADOS CINCO ANOS CONSECUTIVAMENTE.
PERSONALMENTE ENTIENDO QUE MAYO PUDO HABERSE BENEFICIADO DEL FIN DEL PERIODO ESCOLAR Y LA POSIBILIDAD DE QUE LA FAMILIA CAMBIE A UN NUEVO HOGAR.
ALGUNOS ECONOMISTAS CREEN QUE EL AUMENTO DE INVENTARIO DE CASAS NUEVAS PRESIONARA A UNOS MAS BAJOS PRECIOS.
LOS INTERESES HIPOTECARIOS ESTAN 6.71%
PERSONALMENTE CREO TAM,BIEN EN QUE EL INTERES SE ESTABILIZARA A FINES DE ANO EN UN 7%.
EN EL ESTADO DE LA FLORIDA SE ESTA EXPERIMENTANDO UN PERIODO DE ENFRIAMIENTO EN LA VENTA DE RESIDENCIAS USADAS ALARGANDO EL TIEMPO DE ESTAR EN EL MERCADO DE VENTA UNA PROPIEDAD.
APROVECHE ESTA OPORTUNIDAD DE UN MERCADO DE COMPRADORES.
WWW.JOSERAULMARRERO.COM
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
407-436-5140
787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
UN MARAVILLOSO DIA PARA TODOS
EN CONTRA DE TODOS LOS PRONOSTICOS, EL MES DE MAYO REFLEJO UN INCREMENTO EN VENTAS DE CASAS NUEVAS A NIVEL DE ESTADOS UNIDOS.
TODOS LOS PRONOSTICOS ERAN DE UNA PROYECCION DE DECLIVE POR EL INCREMENTO DE LOS INTERESES HIPOTECARIOS.
EL INCREMENTO REFLEJADO ES DE UN 4.6% (1.234 MILLONES DE UNIDADES) Y EL PRECIO PROMEDIO DE UNA RESIDENCIA DECLINO HASTA $235,000.00
ESTE DEFINITIVAMENTE ES UN BUEN MOMENTO PARA COMPRAR POR LAS OFERTAS DE PAGO DE GASTOS DE CIERRES Y OTROS INCENTIVOS QUE SE ESTAN PRESENTANDO.
LOS BAJOS INTERESES DE LOS PASADOS CUATRO ANOS AYUDARON A ESTABLECER UN PERIODO DE PROPERIDAD EN LA INDUSTRIA DE BIENES RAICES POR LOS PASADOS CINCO ANOS CONSECUTIVAMENTE.
PERSONALMENTE ENTIENDO QUE MAYO PUDO HABERSE BENEFICIADO DEL FIN DEL PERIODO ESCOLAR Y LA POSIBILIDAD DE QUE LA FAMILIA CAMBIE A UN NUEVO HOGAR.
ALGUNOS ECONOMISTAS CREEN QUE EL AUMENTO DE INVENTARIO DE CASAS NUEVAS PRESIONARA A UNOS MAS BAJOS PRECIOS.
LOS INTERESES HIPOTECARIOS ESTAN 6.71%
PERSONALMENTE CREO TAM,BIEN EN QUE EL INTERES SE ESTABILIZARA A FINES DE ANO EN UN 7%.
EN EL ESTADO DE LA FLORIDA SE ESTA EXPERIMENTANDO UN PERIODO DE ENFRIAMIENTO EN LA VENTA DE RESIDENCIAS USADAS ALARGANDO EL TIEMPO DE ESTAR EN EL MERCADO DE VENTA UNA PROPIEDAD.
APROVECHE ESTA OPORTUNIDAD DE UN MERCADO DE COMPRADORES.
WWW.JOSERAULMARRERO.COM
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
407-436-5140
787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
Saturday, June 24, 2006
EXITOSA CONVENCION DE LA UNIVERSIDAD INTERAMERICANA EN CUPEY DE LA CAMARA DE CORMERCIO PUERTORIQUENA DE LA FLORIDA CENTRAL
UN MARAVILLOSO DIA PARA TODOS
TODO UN EXITO FUE LA CONVENCION DE LA PUERTO RICAN CHAMBER OF COMMERCE OF CENTRAL FLORIDA CELEBRADA EN LA UNIVERSIDAD INTERAMERICANA DE CUPEY, PUERTO RICO.
DIVERSOS MESAS DE VALIOSA INFORMACION PARA TODOS AQUELLOS PUERTORIQUENOS QUE DESEAN RELOCALIZARSE EN EL ESTADO DE LA FLORIDA.
BANCOS, OFICINAS DE TITULO, SEGUROS Y DIVERSOS SERVICIOS DIJERON PRESENTE.
VALIOSA ORIENTACION Y MUCHA ENERGIA POSITIVA ERA EL AMBIENTE.
GRACIAS A TODOS AQUELLOS QUE RECONOCIERON NUESTRA HUMILDE APORTACION A ESTA INDUSTRIA A TRAVEZ DE ESTA PAGINA DE INTERNET WWW.JOSERAULMARRERO.COM
ME ESTARE COMUNICANDO DIRECTAMENTE CON TODOS USTEDES MAS ADELANTE.
GRACIAS A LA GENTE DE TREI INSTITUTE, LA MEJOR ESCUELA DE BIENES RAICES DE LA FLORIDA CENTRAL Y A SILVETTE, DE SILVETTE VACATIONS POR SU GRAN COLABORACION Y ATENCIONES A MI PERSONA.
A EMILIO PEREZ, PRESIDENTE DE LA CAMARA DE COMERCIO Y SU STAFF DE TRABAJO POR SU ORGANIZACION.
NOS VEREMOS EL ANO QUE VIENE NUEVAMENTE.
GRACIAS A TODOS
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC
WWW.JOSERAULMARRERO.COM
407-436-5140
TODO UN EXITO FUE LA CONVENCION DE LA PUERTO RICAN CHAMBER OF COMMERCE OF CENTRAL FLORIDA CELEBRADA EN LA UNIVERSIDAD INTERAMERICANA DE CUPEY, PUERTO RICO.
DIVERSOS MESAS DE VALIOSA INFORMACION PARA TODOS AQUELLOS PUERTORIQUENOS QUE DESEAN RELOCALIZARSE EN EL ESTADO DE LA FLORIDA.
BANCOS, OFICINAS DE TITULO, SEGUROS Y DIVERSOS SERVICIOS DIJERON PRESENTE.
VALIOSA ORIENTACION Y MUCHA ENERGIA POSITIVA ERA EL AMBIENTE.
GRACIAS A TODOS AQUELLOS QUE RECONOCIERON NUESTRA HUMILDE APORTACION A ESTA INDUSTRIA A TRAVEZ DE ESTA PAGINA DE INTERNET WWW.JOSERAULMARRERO.COM
ME ESTARE COMUNICANDO DIRECTAMENTE CON TODOS USTEDES MAS ADELANTE.
GRACIAS A LA GENTE DE TREI INSTITUTE, LA MEJOR ESCUELA DE BIENES RAICES DE LA FLORIDA CENTRAL Y A SILVETTE, DE SILVETTE VACATIONS POR SU GRAN COLABORACION Y ATENCIONES A MI PERSONA.
A EMILIO PEREZ, PRESIDENTE DE LA CAMARA DE COMERCIO Y SU STAFF DE TRABAJO POR SU ORGANIZACION.
NOS VEREMOS EL ANO QUE VIENE NUEVAMENTE.
GRACIAS A TODOS
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC
WWW.JOSERAULMARRERO.COM
407-436-5140
Tuesday, June 20, 2006
INDICE DE LA CONSTRUCCION CONMIENZA A SUBIR NUEVAMENTE
UN GRANDIOSO DIA NUEVAMENTE
MARRERO REAL ESTATE BROKERAGE LLC
WWW.JOSERAULMARRERO.COM
LA CONTRUCCION DE RESIDENCIAS COMIENZA A SUBIR LUEGO DE TRES MESES DE REFLEJAR BAJA
A CONTINUACION EL REPORTAJE
- Construction of new homes and apartments, after posting three straight months of declines, increased in May, helped by dry weather.
The U.S. Commerce Department reported that builders started construction at a seasonally adjusted annual rate of 1.957 million units last month, an increase of 5 percent from the April construction pace. The better-than-expected increase came after declines of 5.5 percent in April, 7.5 percent in March and 5.9 percent in February.
Analysts attributed the increase to an unusually dry spring in many parts of the country, which allowed builders to start work on more new homes. But they cautioned that construction activity is likely to slide further in coming months as the housing industry slows under the impact of rising mortgage rates.
In a sign of that expected slowdown, permits for new construction dropped by 2.1 percent in May to an annual rate of 1.932 million units.
For May, construction of new single-family homes was up 2.1 percent to an annual rate of 1.586 million units while construction of multifamily units was up an even stronger 19.7 percent to an annual rate of 371,000 units.
The strength in May was led by a 15.8 percent jump in construction activity in the West. Construction rose by 8.5 percent in the South and was up by 1.7 percent in the Northeast. However, construction fell by 15.8 percent in the Midwest.
The National Association of Home Builders reported Monday that its builder confidence index fell in June to a reading of 42, the lowest point in 11 years.
The housing industry set record sales of both new and existing homes for five straight years as homebuying was boosted by the lowest mortgage rates in four decades.
However, rates have been rising steadily this year as the Federal Reserve keeps tightening credit in an effort to keep inflation under control. The 30-year mortgage is currently at 6.63 percent, a full percentage point higher than a year ago. Rising mortgage rates have made it harder for potential homebuyers to qualify for loans.
David Seiders, chief economist for the home builders, said that sales could fall by 13 percent from last year's record and that construction of single-family homes is likely to drop by about 9 percent from last year's record level.
JOSE RAUL MARRERO
RECUERDA TODOS SOMOS GUERREROS DE LUZ!
MARRERO REAL ESTATE BROKERAGE LLC
WWW.JOSERAULMARRERO.COM
LA CONTRUCCION DE RESIDENCIAS COMIENZA A SUBIR LUEGO DE TRES MESES DE REFLEJAR BAJA
A CONTINUACION EL REPORTAJE
- Construction of new homes and apartments, after posting three straight months of declines, increased in May, helped by dry weather.
The U.S. Commerce Department reported that builders started construction at a seasonally adjusted annual rate of 1.957 million units last month, an increase of 5 percent from the April construction pace. The better-than-expected increase came after declines of 5.5 percent in April, 7.5 percent in March and 5.9 percent in February.
Analysts attributed the increase to an unusually dry spring in many parts of the country, which allowed builders to start work on more new homes. But they cautioned that construction activity is likely to slide further in coming months as the housing industry slows under the impact of rising mortgage rates.
In a sign of that expected slowdown, permits for new construction dropped by 2.1 percent in May to an annual rate of 1.932 million units.
For May, construction of new single-family homes was up 2.1 percent to an annual rate of 1.586 million units while construction of multifamily units was up an even stronger 19.7 percent to an annual rate of 371,000 units.
The strength in May was led by a 15.8 percent jump in construction activity in the West. Construction rose by 8.5 percent in the South and was up by 1.7 percent in the Northeast. However, construction fell by 15.8 percent in the Midwest.
The National Association of Home Builders reported Monday that its builder confidence index fell in June to a reading of 42, the lowest point in 11 years.
The housing industry set record sales of both new and existing homes for five straight years as homebuying was boosted by the lowest mortgage rates in four decades.
However, rates have been rising steadily this year as the Federal Reserve keeps tightening credit in an effort to keep inflation under control. The 30-year mortgage is currently at 6.63 percent, a full percentage point higher than a year ago. Rising mortgage rates have made it harder for potential homebuyers to qualify for loans.
David Seiders, chief economist for the home builders, said that sales could fall by 13 percent from last year's record and that construction of single-family homes is likely to drop by about 9 percent from last year's record level.
JOSE RAUL MARRERO
RECUERDA TODOS SOMOS GUERREROS DE LUZ!
Friday, June 16, 2006
75 % DE LAS ESCUELAS EN LA FLORIDA CLASIFICADAS A Y B
UN MARAVILLOSO DIA PARA TODOS
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC
REAL ESTATE BROKER LIC
LA EDUCACION EN EL ESTADO DE FLORIDA REFLEJA UNA MUY SALUDABLE ESTADISTICA. EL 75% DE TODAS LAS ESCUELAS SE CALIFICARON A Y B.
A CONTINUACION EL TEXTO ORIGINAL....
TALLAHASSEE, Fla. (AP) -- June 15, 2006 -- Florida schools haven't quite matched Garrison Keillor's fictional Lake Wobegon where all the children are above average, but grades released Wednesday by Gov. Jeb Bush show three out of four do meet that criteria.
Bush, father of the grading system, announced 75 percent of Florida's public schools received an A or B, the most since the program began in 1999. The Republican governor, who cannot seek re-election this year due to term limits, trumpeted the results as a vindication of his education policies.
''Of all the things that I've been involved in, this is where my passions lie,'' Bush said.
The 1,466 schools, or 53 percent, that got an A are eligible for a $100 per student reward under Bush's ''A-Plus'' school accountability plan. Twenty-two percent of the state's schools graded B, 20 percent C, five percent D and only 1 percent F. That comes to 101 percent due to rounding, state education officials said.
The grading is based on scores from the Florida Comprehensive Assessment Test, or FCAT.
Bush said he believes parents should put more stock in the state grades than a much less rosy appraisal under the federal No Child Left Behind program, which was simultaneously released.
''Of course I do, absolutely, with no disrespect to anybody in Washington, D.C.,'' Bush said. ''It's a fair system, it's balanced and it's working.''
The governor's brother, President Bush, has made No Child Left Behind the centerpiece of his domestic agenda. Florida education officials have urged that the federal program be modified to be more like the state's system.
The federal assessment shows only 28 percent of Florida schools made adequate yearly progress, down from 36 percent last year. Florida schools failing to meet the standard dropped slightly from 37 percent to 33 percent. Thirty-nine percent provisionally met the adequate yearly requirement compared to 27 percent in 2005.
Schools are granted provisional status if they get an A or B from the state yet fail to meet one or more of 39 national standards including one that requires an increase of at least 7 percent in the number of proficient students.
The 1,047 Florida schools failing to make adequate progress may be required to add remedial and tutoring programs or overhaul staff and curriculum.
The 24 F schools include 11 that qualify for state sanctions because they have had failing grades two years out of the past four. Students attending sanctioned schools can transfer to other public schools graded C or better.
For the first time since 1999, though, the students at twice-failing schools will be unable to get vouchers to attend parochial and other private schools at public expense. The Florida Supreme Court declared that program, another key element of Bush's ''A-Plus'' school accountability plan, unconstitutional in January.
The school grading system has been attacked by Democrats since it began. They say it puts too much emphasis on high-stakes testing while the state's schools have remained underfunded.
''I will forgo the champagne because I believe that the school grading system is ultimately destructive to my child's education,'' said Rep. Dan Gelber, D-Miami Beach, after Bush urged Floridians to celebrate the high grades.
Gelber, whose children attend an A-rated elementary school, is slated to be the House Democratic leader in November. He said grading has caused the state's schools to slight civics, history and science, as well as gifted and enrichment programs. School grades are based on FCAT reading, writing and math scores. Science will be added next year.
Bush anticipated the criticism during a news conference.
''In politics there are a lot of carpers, chirpers, nippers,'' Bush said. ''Sometimes it's important to ... pause and celebrate success.''
The governor was surrounded by state and local school officials including Education Commissioner John Winn and two principals Bush praised for taking bold steps.
Manuel Duran enlisted community support and recruited veteran teachers including some brought out of retirement at Tampa's Alexander Elementary School, which has a high percentage of Hispanic students. Alexander has improved over the years and received its first A.
''We're in it together,'' Duran said. ''We do what it takes and sometimes people say I'm unorthodox.''
The 2,074 schools that received an A or B compares to 1,843 last year. Middle schools did the best, with 87 percent graded A or B. Just under 80 percent of elementary schools and 41 percent of high schools received the top two grades.
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WWW.JOSERAULMARRERO.COM
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AL 407-436-5140/787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC
REAL ESTATE BROKER LIC
LA EDUCACION EN EL ESTADO DE FLORIDA REFLEJA UNA MUY SALUDABLE ESTADISTICA. EL 75% DE TODAS LAS ESCUELAS SE CALIFICARON A Y B.
A CONTINUACION EL TEXTO ORIGINAL....
TALLAHASSEE, Fla. (AP) -- June 15, 2006 -- Florida schools haven't quite matched Garrison Keillor's fictional Lake Wobegon where all the children are above average, but grades released Wednesday by Gov. Jeb Bush show three out of four do meet that criteria.
Bush, father of the grading system, announced 75 percent of Florida's public schools received an A or B, the most since the program began in 1999. The Republican governor, who cannot seek re-election this year due to term limits, trumpeted the results as a vindication of his education policies.
''Of all the things that I've been involved in, this is where my passions lie,'' Bush said.
The 1,466 schools, or 53 percent, that got an A are eligible for a $100 per student reward under Bush's ''A-Plus'' school accountability plan. Twenty-two percent of the state's schools graded B, 20 percent C, five percent D and only 1 percent F. That comes to 101 percent due to rounding, state education officials said.
The grading is based on scores from the Florida Comprehensive Assessment Test, or FCAT.
Bush said he believes parents should put more stock in the state grades than a much less rosy appraisal under the federal No Child Left Behind program, which was simultaneously released.
''Of course I do, absolutely, with no disrespect to anybody in Washington, D.C.,'' Bush said. ''It's a fair system, it's balanced and it's working.''
The governor's brother, President Bush, has made No Child Left Behind the centerpiece of his domestic agenda. Florida education officials have urged that the federal program be modified to be more like the state's system.
The federal assessment shows only 28 percent of Florida schools made adequate yearly progress, down from 36 percent last year. Florida schools failing to meet the standard dropped slightly from 37 percent to 33 percent. Thirty-nine percent provisionally met the adequate yearly requirement compared to 27 percent in 2005.
Schools are granted provisional status if they get an A or B from the state yet fail to meet one or more of 39 national standards including one that requires an increase of at least 7 percent in the number of proficient students.
The 1,047 Florida schools failing to make adequate progress may be required to add remedial and tutoring programs or overhaul staff and curriculum.
The 24 F schools include 11 that qualify for state sanctions because they have had failing grades two years out of the past four. Students attending sanctioned schools can transfer to other public schools graded C or better.
For the first time since 1999, though, the students at twice-failing schools will be unable to get vouchers to attend parochial and other private schools at public expense. The Florida Supreme Court declared that program, another key element of Bush's ''A-Plus'' school accountability plan, unconstitutional in January.
The school grading system has been attacked by Democrats since it began. They say it puts too much emphasis on high-stakes testing while the state's schools have remained underfunded.
''I will forgo the champagne because I believe that the school grading system is ultimately destructive to my child's education,'' said Rep. Dan Gelber, D-Miami Beach, after Bush urged Floridians to celebrate the high grades.
Gelber, whose children attend an A-rated elementary school, is slated to be the House Democratic leader in November. He said grading has caused the state's schools to slight civics, history and science, as well as gifted and enrichment programs. School grades are based on FCAT reading, writing and math scores. Science will be added next year.
Bush anticipated the criticism during a news conference.
''In politics there are a lot of carpers, chirpers, nippers,'' Bush said. ''Sometimes it's important to ... pause and celebrate success.''
The governor was surrounded by state and local school officials including Education Commissioner John Winn and two principals Bush praised for taking bold steps.
Manuel Duran enlisted community support and recruited veteran teachers including some brought out of retirement at Tampa's Alexander Elementary School, which has a high percentage of Hispanic students. Alexander has improved over the years and received its first A.
''We're in it together,'' Duran said. ''We do what it takes and sometimes people say I'm unorthodox.''
The 2,074 schools that received an A or B compares to 1,843 last year. Middle schools did the best, with 87 percent graded A or B. Just under 80 percent of elementary schools and 41 percent of high schools received the top two grades.
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Thursday, June 15, 2006
FLORIDA OCUPA EL SEGUNDO LUGAR EN ESTADOS UNIDOS EN VALOR ADQUIRIDO DE LAS PROPIEDADES
UN GRANDIOSO DIA PARA USTED
POR INCONVENIENTES CON NUESTO SERVIDOR NO TUVIMOS ACCESO A NUESTRO BLOGS DURANTE LOS PASADOS DIAS.
NUESTRAS INDULGENCIAS...
DURANTE EL PRIMER TRIMESTRE DEL 2006 SE REFLEJA UN AUMENTO EN APRECIACION DE VALOR COMPARADO CON EL MISMO PERIODO DEL 2005, EN CERCA DEL 27% EN TODO EL ESTADO Y COMO CONSECUENCIA FLORIDA SE POSICIONO EN EL SEGUNDO MERCADO DE MAYOR CRECIMIENTO DE VALOR DE TODO ESTADOS UNIDOS, SOLO DESPUES DE ARIZONA.
DE LAS 20 PRIMERAS CIUDADES METROPOLITANAS DE MAYOR CRECIMIENTO EN VALOR, 10 PERTENECEN AL ESTADO DE LA FLORIDA, SEGUN EL FEDERAL HOUSING ENTERPRISE OVERSIGHT.
SIN EMBARGO NO VAYA A CORRER A VENDER SU CASA EN FLORIDA PENSANO EN QUE VA HACER BUEN DINERO AHORA, YA QUE NOS ENCONTRAMOS EN UN MERCADO INUNDADO DE PROPIEDADES EN VENTA A SOBRE PRECIO, ADVIERTEN ALGUNOS ECONOMISTAS.
LA APRECIACION PODRIA NO CONTINUAR AL MISMO RITMO SEGUN OTROS ECONOMISTAS. MUCHOS TENDRAN QUE HACER AJUSTES AL VALOR DE VENTA.
LUEGO DE CINCO ANOS ALCANZANDO CIFRAS RECORDS, SE ESTA ESPERIMENTANDO LA NORMALIZACION DEL MERCADO ENTRE OTRS COSAS POR EL AUMENTO DE LOS INTERESES Y EL ALTO INVENTARIO DE PROPIEDADES A LA VENTA.
DENTRO DE LAS PRIMERAS 20 AREAS Y/O CIUDADES A NIVEL NACIONAL, ESTAN NAPLES (MARCO ISLAND) ,ORLANDO (KISSIMME),DELTONA (DELTONA BEACH),WEST PALM BEACH(BOCA RATON),SARASOTA (BRANDENTON), LAKELAND, FOR LAUDERDALE,
EL PROMEDIO DEL RESTO DE LOS ESTADOS UNIDOS FUE DE 12% EN CRECIMIENTO DE VALOR.
POR ESTA Y OTRAS RAZONES HACEMOS HINCAPIE QUE EL ESTADO DE LA FLORIDA SE ESTA COMPORTANDO DRAMATICAMENTE DIFERENTE AL RESTO DE LA NACION.
ESTOS RESULTADOS PROVIENEN DE LA INFORMACION PROVISTA POR FANIE MAE Y FREDDIE MAC.
POR OTRO LADO, ES IMPORTANTE SENALAR QUE DURANTE EL MES DE ABRIL SE REFLEJO UN DECLIVE DE 31% EN EL MERCADO DE BIENES RAICES DE LA FLORIDA COMPARADO CON EL MISMO PERIODO DEL ANO PASADO UNO DE LOS ANOS DE MAYOR GANANCIA PARA MUCHOS.
SIN EMBARGO EN MI ESPERIENCIA PERSONAL POR EJEMPLO, YA ESTOY RECIBIENDO NUEVAMENTE LLAMADAS DE INVERSIONISTAS DE CALIFORNIA INTERESASDOS EN APROVECHAR ESTA OPORTUNIDAD DE COMPRAR MEJOR.
LAS VENTAS A NIVEL NACIONAL REFLEJARON BAJA DE 5.7% DURANTE EL MES DE ABRIL Y PODRIAMOS ESTAR EXPERIMENTANDO UN POCO LA AGRESIVIDAD DE COMPRADORES APROVECHANDO ESTA SITUACION Y PRESENTAR OFERTAS POR QUE DESPUES DE TODO EL ESTADO DE LA FLORIDA SEGUIRA CECIENDO DRAMATICAMENTE COMO MUY POCOS ESTADOS.
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POR INCONVENIENTES CON NUESTO SERVIDOR NO TUVIMOS ACCESO A NUESTRO BLOGS DURANTE LOS PASADOS DIAS.
NUESTRAS INDULGENCIAS...
DURANTE EL PRIMER TRIMESTRE DEL 2006 SE REFLEJA UN AUMENTO EN APRECIACION DE VALOR COMPARADO CON EL MISMO PERIODO DEL 2005, EN CERCA DEL 27% EN TODO EL ESTADO Y COMO CONSECUENCIA FLORIDA SE POSICIONO EN EL SEGUNDO MERCADO DE MAYOR CRECIMIENTO DE VALOR DE TODO ESTADOS UNIDOS, SOLO DESPUES DE ARIZONA.
DE LAS 20 PRIMERAS CIUDADES METROPOLITANAS DE MAYOR CRECIMIENTO EN VALOR, 10 PERTENECEN AL ESTADO DE LA FLORIDA, SEGUN EL FEDERAL HOUSING ENTERPRISE OVERSIGHT.
SIN EMBARGO NO VAYA A CORRER A VENDER SU CASA EN FLORIDA PENSANO EN QUE VA HACER BUEN DINERO AHORA, YA QUE NOS ENCONTRAMOS EN UN MERCADO INUNDADO DE PROPIEDADES EN VENTA A SOBRE PRECIO, ADVIERTEN ALGUNOS ECONOMISTAS.
LA APRECIACION PODRIA NO CONTINUAR AL MISMO RITMO SEGUN OTROS ECONOMISTAS. MUCHOS TENDRAN QUE HACER AJUSTES AL VALOR DE VENTA.
LUEGO DE CINCO ANOS ALCANZANDO CIFRAS RECORDS, SE ESTA ESPERIMENTANDO LA NORMALIZACION DEL MERCADO ENTRE OTRS COSAS POR EL AUMENTO DE LOS INTERESES Y EL ALTO INVENTARIO DE PROPIEDADES A LA VENTA.
DENTRO DE LAS PRIMERAS 20 AREAS Y/O CIUDADES A NIVEL NACIONAL, ESTAN NAPLES (MARCO ISLAND) ,ORLANDO (KISSIMME),DELTONA (DELTONA BEACH),WEST PALM BEACH(BOCA RATON),SARASOTA (BRANDENTON), LAKELAND, FOR LAUDERDALE,
EL PROMEDIO DEL RESTO DE LOS ESTADOS UNIDOS FUE DE 12% EN CRECIMIENTO DE VALOR.
POR ESTA Y OTRAS RAZONES HACEMOS HINCAPIE QUE EL ESTADO DE LA FLORIDA SE ESTA COMPORTANDO DRAMATICAMENTE DIFERENTE AL RESTO DE LA NACION.
ESTOS RESULTADOS PROVIENEN DE LA INFORMACION PROVISTA POR FANIE MAE Y FREDDIE MAC.
POR OTRO LADO, ES IMPORTANTE SENALAR QUE DURANTE EL MES DE ABRIL SE REFLEJO UN DECLIVE DE 31% EN EL MERCADO DE BIENES RAICES DE LA FLORIDA COMPARADO CON EL MISMO PERIODO DEL ANO PASADO UNO DE LOS ANOS DE MAYOR GANANCIA PARA MUCHOS.
SIN EMBARGO EN MI ESPERIENCIA PERSONAL POR EJEMPLO, YA ESTOY RECIBIENDO NUEVAMENTE LLAMADAS DE INVERSIONISTAS DE CALIFORNIA INTERESASDOS EN APROVECHAR ESTA OPORTUNIDAD DE COMPRAR MEJOR.
LAS VENTAS A NIVEL NACIONAL REFLEJARON BAJA DE 5.7% DURANTE EL MES DE ABRIL Y PODRIAMOS ESTAR EXPERIMENTANDO UN POCO LA AGRESIVIDAD DE COMPRADORES APROVECHANDO ESTA SITUACION Y PRESENTAR OFERTAS POR QUE DESPUES DE TODO EL ESTADO DE LA FLORIDA SEGUIRA CECIENDO DRAMATICAMENTE COMO MUY POCOS ESTADOS.
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Monday, June 12, 2006
BAJAN LOS INTERESES DESPUES DE SEMANAS DE INCREMENTOS
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC
UN MARAVILLOSO DIA PARA TODOS
POR PRIMERA VEZ DESPUES DE CASI DOS MESES DE CONTINUO INCREMENTO EN LAS TAZAS DE INTERES SE REFLEJA AUNQUE MINIMA UNA BAJA EN LOS INTERESES HIPOTECARIOS.
LOS INTERESES HIPOTECARIOS LLEGARON ALCANZAR EL NIVEL MAS ALTO EN CUATRO ANOS PARA ALCANZAR UN NIVEL DE 6.67 %.
EN STOS MOMENTOS SE REFLEJA UN INTERES DE 6.62%.
MUCHOS ANALISTAS OPINAN QUE ESTA NO ES UNA TENDENCIA, SI NO QUE SE ESTARA REFLEJANDO UNA NUEVA OLA DE INCREMENTOS EN LOS REPORTES DENTRO DE LOS PROXIMOS 35 A 45 DIAS.
EL MERCADO HIPOTECARIO ESTA REFLEJANDO NUMEROSOS SIGNOS DE AJUSTE POR LOS CAMBIOS EN LOS INTERESES.
PERSONALMENTE, ESTOY CONVENCIDO QUE EN EL CASO DEL ESTADO DE LA FLORIDA , MAS QUE UN DECLIVE , ES UNA NORMALIZACION DEL MERCADO QUE ESTUVO INUNDADO DE INVERSIONISTAS DE MUCHAS PARTES DEL MUNDO APROVECHANDO BUENAS OPORTUNIDADESPARA CAPITALIZAR SUS INVERSIONES RAPIDAMENTE.
DE REPENTE TODO EL MUNOD QUERIA INVERTIR EN LA FLORIDA.UNA GRAN DEMANDA POR BIENES RAICES DESDE SOLARES HASTA TODO TIPO DE RESIDENCIAS.
FACTORES COMO LA INFLACION Y EL EMPLEO NUEVO SERAN DETERMINANTES PARA EL COMPORTAMIENTO DE FUTUROS AJUSTES EN LA TAZA DE INTERES.
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Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing a home mortgage, fell this week to 6.23 percent, down from 6.26 percent last week.
Rates on one-year adjustable rate mortgages were also down for the week, falling to 5.63 percent. They had been 5.68 percent last week, the highest level since one-year ARMs averaged 5.71 percent in mid-August 2001.
Rates on five-year adjustable-rate mortgages also fell, dropping to 6.20 percent compared to 6.26 percent last week.
The mortgage rates do not include add-on fees known as points. The 30-year, 15-year and five-year mortgages each carried a nationwide average fee of 0.5 point. The one-year ARM had an average fee of 0.8 point.
A year ago, 30-year mortgages averaged 5.56 percent, 15-year mortgages stood at 5.14 percent, one-year ARMs were at 4.21 percent and five-year ARMs averaged 5.01 percent.
MARRERO REAL ESTATE BROKERAGE LLC
UN MARAVILLOSO DIA PARA TODOS
POR PRIMERA VEZ DESPUES DE CASI DOS MESES DE CONTINUO INCREMENTO EN LAS TAZAS DE INTERES SE REFLEJA AUNQUE MINIMA UNA BAJA EN LOS INTERESES HIPOTECARIOS.
LOS INTERESES HIPOTECARIOS LLEGARON ALCANZAR EL NIVEL MAS ALTO EN CUATRO ANOS PARA ALCANZAR UN NIVEL DE 6.67 %.
EN STOS MOMENTOS SE REFLEJA UN INTERES DE 6.62%.
MUCHOS ANALISTAS OPINAN QUE ESTA NO ES UNA TENDENCIA, SI NO QUE SE ESTARA REFLEJANDO UNA NUEVA OLA DE INCREMENTOS EN LOS REPORTES DENTRO DE LOS PROXIMOS 35 A 45 DIAS.
EL MERCADO HIPOTECARIO ESTA REFLEJANDO NUMEROSOS SIGNOS DE AJUSTE POR LOS CAMBIOS EN LOS INTERESES.
PERSONALMENTE, ESTOY CONVENCIDO QUE EN EL CASO DEL ESTADO DE LA FLORIDA , MAS QUE UN DECLIVE , ES UNA NORMALIZACION DEL MERCADO QUE ESTUVO INUNDADO DE INVERSIONISTAS DE MUCHAS PARTES DEL MUNDO APROVECHANDO BUENAS OPORTUNIDADESPARA CAPITALIZAR SUS INVERSIONES RAPIDAMENTE.
DE REPENTE TODO EL MUNOD QUERIA INVERTIR EN LA FLORIDA.UNA GRAN DEMANDA POR BIENES RAICES DESDE SOLARES HASTA TODO TIPO DE RESIDENCIAS.
FACTORES COMO LA INFLACION Y EL EMPLEO NUEVO SERAN DETERMINANTES PARA EL COMPORTAMIENTO DE FUTUROS AJUSTES EN LA TAZA DE INTERES.
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Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing a home mortgage, fell this week to 6.23 percent, down from 6.26 percent last week.
Rates on one-year adjustable rate mortgages were also down for the week, falling to 5.63 percent. They had been 5.68 percent last week, the highest level since one-year ARMs averaged 5.71 percent in mid-August 2001.
Rates on five-year adjustable-rate mortgages also fell, dropping to 6.20 percent compared to 6.26 percent last week.
The mortgage rates do not include add-on fees known as points. The 30-year, 15-year and five-year mortgages each carried a nationwide average fee of 0.5 point. The one-year ARM had an average fee of 0.8 point.
A year ago, 30-year mortgages averaged 5.56 percent, 15-year mortgages stood at 5.14 percent, one-year ARMs were at 4.21 percent and five-year ARMs averaged 5.01 percent.
Thursday, June 08, 2006
IMPORTANTES INDICADORES ECONOMICOS A NIVEL NACIONAL
MARRERO REAL ESTATE BROKERAGE LC
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UN MARAVILLOSO DIA PARA USTED
A CONTINUACION MOSTRAREMOS IMPORTANTES INDICADORES ECONOMICOS A NIVEL NACIONAL QUE PUDIERAN AFECTAR EL MERCADO DE LAS BIENES RAICES EN LA FLORIDA.
ES IMPORTANTE SENALAR QUE POR RAZONES DIVERSAS LAS REGIONES NO NECESARIAMENTE TIENEN EL MISMO COMPORTAMIENTO ECONOMICO.
POR BRINDAR UN SOLO EJEMPLO, EL ESTADO DE LA FLORIDA ESTA REFLEJANDO UN CRECIMIENTO POBLACIONAL POR ENCIMA DEL PROMEDIO DE TODOS LOS ESTADOS UNIDOS.
SIN EMBARGO PRESENTAMOS ESTAS ESTADISTICAS PARA TENER BASE ADICIONAL Y TENER ELEMENTOS DE JUICIO ADICIONALES PARA LA TOMA DE DESICIONES TAN IMPORTANTES COMO EL COMPRAR UNA RESIDENCIA.
WASHINGTON -- Jun 07, 2006 -- The housing boom has ended, sales at historically healthy levels will continue, and price appreciation will return to normal patterns across much of the country, according to the National Association of Realtors® (NAR).
David Lereah, NAR's chief economist, says home sales are settling into a slower pace. "In recent years we were occasionally challenged to find appropriate superlatives to describe surprisingly high home sales," he says. "Now the housing market has cooled, but 2006 is still expected to be the third strongest on record. In this case, experiencing a slowing from a hot market is a good thing because we need a solid housing sector to provide an underlying base to the economy, and slower appreciation will help to preserve long-term affordability. But this is a time for the Fed to pause on rate hikes because we have some interest-sensitive housing markets that have become vulnerable."
Existing-home sales are projected to drop 6.8 percent to 6.60 million this year from the record 7.08 million in 2005. New-home sales are forecast to fall 13.4 percent to 1.11 million from a record 1.28 million in 2005. Housing starts are likely to decline 6.2 percent to 1.94 million in 2006 compared with 2.07 million last year.
NAR President Thomas M. Stevens says rising interest rates have slowed home sales in many high cost markets, while job growth has boosted sales in some moderately priced areas. "Broadly speaking, rising inventories have taken the pressure off of unsustainable home price growth," says Stevens. "For most of the nation, this means future home price gains will be much closer to the normal returns we expect from housing."
The 30-year fixed-rate mortgage should average 6.9 percent during the second half of the year, and the unemployment rate is expected to average 4.8 percent in 2006.
The national median existing-home price for all housing types is forecast to rise 5.3 percent this year to $231,300. With more construction in 2006 taking place in lower cost housing markets, the median new-home price is projected to increase 0.8 percent to $242,900.
"Historically, home prices rise 1.5 to 2 percentage points faster than the rate of inflation, so the rise we anticipate in existing home prices this year is actually a little above the high end of historic norms," Lereah says. "The double-digit home price gains we saw in 2005 underscore what a superlative year it was."
Inflation, as measured by the Consumer Price Index, is seen at 3.1 percent in 2006, compared with 3.4 percent last year. Growth in the U.S. gross domestic product is likely to be 3.4 percent this year. Inflation-adjusted disposable personal income should grow 3.1 percent this year.
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UN MARAVILLOSO DIA PARA USTED
A CONTINUACION MOSTRAREMOS IMPORTANTES INDICADORES ECONOMICOS A NIVEL NACIONAL QUE PUDIERAN AFECTAR EL MERCADO DE LAS BIENES RAICES EN LA FLORIDA.
ES IMPORTANTE SENALAR QUE POR RAZONES DIVERSAS LAS REGIONES NO NECESARIAMENTE TIENEN EL MISMO COMPORTAMIENTO ECONOMICO.
POR BRINDAR UN SOLO EJEMPLO, EL ESTADO DE LA FLORIDA ESTA REFLEJANDO UN CRECIMIENTO POBLACIONAL POR ENCIMA DEL PROMEDIO DE TODOS LOS ESTADOS UNIDOS.
SIN EMBARGO PRESENTAMOS ESTAS ESTADISTICAS PARA TENER BASE ADICIONAL Y TENER ELEMENTOS DE JUICIO ADICIONALES PARA LA TOMA DE DESICIONES TAN IMPORTANTES COMO EL COMPRAR UNA RESIDENCIA.
WASHINGTON -- Jun 07, 2006 -- The housing boom has ended, sales at historically healthy levels will continue, and price appreciation will return to normal patterns across much of the country, according to the National Association of Realtors® (NAR).
David Lereah, NAR's chief economist, says home sales are settling into a slower pace. "In recent years we were occasionally challenged to find appropriate superlatives to describe surprisingly high home sales," he says. "Now the housing market has cooled, but 2006 is still expected to be the third strongest on record. In this case, experiencing a slowing from a hot market is a good thing because we need a solid housing sector to provide an underlying base to the economy, and slower appreciation will help to preserve long-term affordability. But this is a time for the Fed to pause on rate hikes because we have some interest-sensitive housing markets that have become vulnerable."
Existing-home sales are projected to drop 6.8 percent to 6.60 million this year from the record 7.08 million in 2005. New-home sales are forecast to fall 13.4 percent to 1.11 million from a record 1.28 million in 2005. Housing starts are likely to decline 6.2 percent to 1.94 million in 2006 compared with 2.07 million last year.
NAR President Thomas M. Stevens says rising interest rates have slowed home sales in many high cost markets, while job growth has boosted sales in some moderately priced areas. "Broadly speaking, rising inventories have taken the pressure off of unsustainable home price growth," says Stevens. "For most of the nation, this means future home price gains will be much closer to the normal returns we expect from housing."
The 30-year fixed-rate mortgage should average 6.9 percent during the second half of the year, and the unemployment rate is expected to average 4.8 percent in 2006.
The national median existing-home price for all housing types is forecast to rise 5.3 percent this year to $231,300. With more construction in 2006 taking place in lower cost housing markets, the median new-home price is projected to increase 0.8 percent to $242,900.
"Historically, home prices rise 1.5 to 2 percentage points faster than the rate of inflation, so the rise we anticipate in existing home prices this year is actually a little above the high end of historic norms," Lereah says. "The double-digit home price gains we saw in 2005 underscore what a superlative year it was."
Inflation, as measured by the Consumer Price Index, is seen at 3.1 percent in 2006, compared with 3.4 percent last year. Growth in the U.S. gross domestic product is likely to be 3.4 percent this year. Inflation-adjusted disposable personal income should grow 3.1 percent this year.
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Tuesday, June 06, 2006
AUMENTA EL VALOR CONTRIBUTIVO DE LAS RESIDENCIAS EN LA FLORIDA ENTRE 22 Y 31% .
MARRERO REAL ESTATE BROKERAGE LLC
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UN GRANDIOSO DIA PARA TODOS......
EL AUMENTO DRAMATICO DE VALOR DE LAS RESIDENCIAS EN TODA LA FLORIDA TAMBIEN TRAJO COMO CONSECUENCIA EL AUMENTO RECORD DE LOS INGRESOS DE LOS CONDADOS POR CONCEPTO DE EL COBRO DE LAS CONTRIBUCIONES SOBRE LA PROPIEDAD.
AUNQUE CIERTAMENTE ES IMPORTANTE ACLARAR QUE EL VALOR CONTRIBUTIVO Y EL VALOR REAL DE MERCADO SON MUY DIFERENTES. EN CASI TODOS LOS CASOS O EN LA GRAN MAYORIA, EL VALOR CONTRIBUTIVO (ASSESED VALUE)ES MENOR QUE EL PRECIO DE VENTA QUE USTED PUDIERA ALCANZAR.
A CONTINUACION EL TEXTO DE LA NOTICIA.
Central Florida's cities and counties learned Thursday that last year's real-estate rush and construction boom will deliver a bounty of taxes this year.
Property values went up from 22 percent to 31 percent in Central Florida counties. And that would translate into a roughly similar increase in property-tax revenues, unless counties and cities reduce their tax rates.
"Is it a record? It's more than a record," said Orange County Property Appraiser Bill Donegan, adding that he recorded increases ranging from 44 percent in Winter Garden to 20 percent in Eatonville.
Lake County, which has traded orange groves for subdivisions, saw its real-estate values grow by 31 percent -- the highest in Central Florida. Osceola and Volusia counties weren't far behind.
Seminole County's tax roll went up by 23 percent, the largest annual increase in a quarter-century, said Seminole County Property Appraiser David Johnson, with Sanford property values growing by one-third. The huge increase was primarily the result of the growth in value in commercial and undeveloped parcels, he said.
"The value of vacant land has gone up considerably because of its scarcity in the county," Johnson said.
The three biggest trends that fed the swelling tax base were spiking house prices -- the price of the average Central Florida home went up 55 percent in the past two years -- construction and condominium conversions.
Central Florida's counties have generally shown steady growth in the value of their real estate, but last year's hot housing market saw not only sharp price increases but also record sales. For example, about one of every six homes in Orange County sold, resulting in the revaluation of 16 percent of the county's housing stock in one year.
In addition to the home-sales flurry, about 15,000 apartment units went condo in Orange alone, driving up the taxable value of those buildings.
In Seminole, 15 condominium conversions also added a quick infusion of value to the tax rolls, but that is expected to be a one-time spike, Johnson said.
Tax rates
For people who have owned their home for more than a year, the higher valuations can't result in more than a 3 percent property-tax increase, thanks to the 12-year-old Save Our Homes amendment. But anyone who bought a house in the past year --or who owns commercial or rental property -- could expect a sharp increase in the value of the property and thus taxes.
What the growth means is that local governments will be so fat with new money that they can spend it on new projects or cut back the tax rate, which would mostly benefit renters, businesses and vacation-home owners.
In Lake, for example, county revenue of $82.3 million this year would rise to nearly $108 million next year if the tax rate remains unchanged. But county officials said they may need the extra money to cope with the county's burgeoning growth.
County Commission Chairwoman Catherine Hanson said residents would not get a tax increase but should not count on the county rolling back the tax rate.
"I don't think it's wise to do rollbacks because then you spend years catching up," she said.
Orange County Mayor Rich Crotty said it's premature to commit to any particular spending or tax-rollback plan. But Crotty said that "fiscal restraint" goals need to be weighed against needs for parks, roads and other services that come with growth.
"There's a lot of things on our plate," Crotty said.
In Volusia County, officials were happy about the rise in property values but also cautioned that there's no shortage of things to use the money for.
The county had projected a 12 percent growth in taxable values and was looking at a slight tax cut.
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UN GRANDIOSO DIA PARA TODOS......
EL AUMENTO DRAMATICO DE VALOR DE LAS RESIDENCIAS EN TODA LA FLORIDA TAMBIEN TRAJO COMO CONSECUENCIA EL AUMENTO RECORD DE LOS INGRESOS DE LOS CONDADOS POR CONCEPTO DE EL COBRO DE LAS CONTRIBUCIONES SOBRE LA PROPIEDAD.
AUNQUE CIERTAMENTE ES IMPORTANTE ACLARAR QUE EL VALOR CONTRIBUTIVO Y EL VALOR REAL DE MERCADO SON MUY DIFERENTES. EN CASI TODOS LOS CASOS O EN LA GRAN MAYORIA, EL VALOR CONTRIBUTIVO (ASSESED VALUE)ES MENOR QUE EL PRECIO DE VENTA QUE USTED PUDIERA ALCANZAR.
A CONTINUACION EL TEXTO DE LA NOTICIA.
Central Florida's cities and counties learned Thursday that last year's real-estate rush and construction boom will deliver a bounty of taxes this year.
Property values went up from 22 percent to 31 percent in Central Florida counties. And that would translate into a roughly similar increase in property-tax revenues, unless counties and cities reduce their tax rates.
"Is it a record? It's more than a record," said Orange County Property Appraiser Bill Donegan, adding that he recorded increases ranging from 44 percent in Winter Garden to 20 percent in Eatonville.
Lake County, which has traded orange groves for subdivisions, saw its real-estate values grow by 31 percent -- the highest in Central Florida. Osceola and Volusia counties weren't far behind.
Seminole County's tax roll went up by 23 percent, the largest annual increase in a quarter-century, said Seminole County Property Appraiser David Johnson, with Sanford property values growing by one-third. The huge increase was primarily the result of the growth in value in commercial and undeveloped parcels, he said.
"The value of vacant land has gone up considerably because of its scarcity in the county," Johnson said.
The three biggest trends that fed the swelling tax base were spiking house prices -- the price of the average Central Florida home went up 55 percent in the past two years -- construction and condominium conversions.
Central Florida's counties have generally shown steady growth in the value of their real estate, but last year's hot housing market saw not only sharp price increases but also record sales. For example, about one of every six homes in Orange County sold, resulting in the revaluation of 16 percent of the county's housing stock in one year.
In addition to the home-sales flurry, about 15,000 apartment units went condo in Orange alone, driving up the taxable value of those buildings.
In Seminole, 15 condominium conversions also added a quick infusion of value to the tax rolls, but that is expected to be a one-time spike, Johnson said.
Tax rates
For people who have owned their home for more than a year, the higher valuations can't result in more than a 3 percent property-tax increase, thanks to the 12-year-old Save Our Homes amendment. But anyone who bought a house in the past year --or who owns commercial or rental property -- could expect a sharp increase in the value of the property and thus taxes.
What the growth means is that local governments will be so fat with new money that they can spend it on new projects or cut back the tax rate, which would mostly benefit renters, businesses and vacation-home owners.
In Lake, for example, county revenue of $82.3 million this year would rise to nearly $108 million next year if the tax rate remains unchanged. But county officials said they may need the extra money to cope with the county's burgeoning growth.
County Commission Chairwoman Catherine Hanson said residents would not get a tax increase but should not count on the county rolling back the tax rate.
"I don't think it's wise to do rollbacks because then you spend years catching up," she said.
Orange County Mayor Rich Crotty said it's premature to commit to any particular spending or tax-rollback plan. But Crotty said that "fiscal restraint" goals need to be weighed against needs for parks, roads and other services that come with growth.
"There's a lot of things on our plate," Crotty said.
In Volusia County, officials were happy about the rise in property values but also cautioned that there's no shortage of things to use the money for.
The county had projected a 12 percent growth in taxable values and was looking at a slight tax cut.
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JOSE RAUL MARRERO
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Friday, June 02, 2006
A PAGAR EL UNO POR CIENTO DEL VALOR CONTRIBUTIVO DE LAS PROPIEDADES EN LA FLORIDA POR HURACANES
MARRERO REAL ESTATE BRKERAGE LLC
JOSE RAUL MARRERO
407-436-5140
UN GRANDIOSO DIA PARA TODOS
CON PLANES DE RECUPERAR EL FONDO DE EMERGENCIA POR HURACANES DE EL ESTAOD DE LA FLORIDA, LA LEGISLATURA APROBO EL FIJAR EL UN PORCIENTO DE TAX POR EL VALOR CONTRIBUTIVO DE LAS PROPIEDADES.
A CONTINUACION EL TEXTO DE LA NOTICIA
TALLAHASSEE, Fla. (AP) -- June 1, 2006 -- Floridians will pay a 1 percent assessment on property and casualty insurance policies for a decade to repay a bond sale of up to $1.5 billion that was approved Wednesday to replenish the state's Hurricane Insurance Catastrophe Fund.
The sale of tax-free bonds to cover losses from last year's storms was unanimously authorized by the fund's board of directors, which includes Gov. Jeb Bush, just a day before the start of the new hurricane season.
Consumers will save money despite the 1 percent assessment because insurance companies can expect to save about $2.5 billion by obtaining reinsurance from the fund instead of having to buy it on the open market, said Chief Financial Officer Tom Gallagher.
''That's passed on to the consumers of this state,'' said Gallagher, who serves on the five-member board with Bush, Attorney General Charlie Crist and two catastrophe fund staff members.
Gallagher estimated homeowners could save $400 to $500 per policy but perhaps what is more important it has helped maintain the availability of insurance coverage. He said Gulf Coast states struck by Hurricane Katrina last year are copying Florida because their insurers are bailing out.
''Without insurance you're not going to get financing,'' Bush said. ''Without financing you're going to see the economy at a standstill. Thank goodness we have the Cat fund.''
In a related development, Insurance Commissioner Kevin McCarty and state Sen. Steven Geller, D-Cooper City, announced they would present proposals for a national catastrophe fund to the National Conference of Insurance Legislators and National Association of Insurance Commissioners.
Geller chairs the legislative organization's Subcommittee on National Disaster Insurance Legislation and McCarty chairs the commissioner group's Property and Casualty Committee.
GRACIAS POR VISITAR MI WEB
JOSE RAUL MARRERO
WWW.JOSERAULMARRERO.COM
TODOS SOMOS GUERREROS DE LUZ...........
JOSE RAUL MARRERO
407-436-5140
UN GRANDIOSO DIA PARA TODOS
CON PLANES DE RECUPERAR EL FONDO DE EMERGENCIA POR HURACANES DE EL ESTAOD DE LA FLORIDA, LA LEGISLATURA APROBO EL FIJAR EL UN PORCIENTO DE TAX POR EL VALOR CONTRIBUTIVO DE LAS PROPIEDADES.
A CONTINUACION EL TEXTO DE LA NOTICIA
TALLAHASSEE, Fla. (AP) -- June 1, 2006 -- Floridians will pay a 1 percent assessment on property and casualty insurance policies for a decade to repay a bond sale of up to $1.5 billion that was approved Wednesday to replenish the state's Hurricane Insurance Catastrophe Fund.
The sale of tax-free bonds to cover losses from last year's storms was unanimously authorized by the fund's board of directors, which includes Gov. Jeb Bush, just a day before the start of the new hurricane season.
Consumers will save money despite the 1 percent assessment because insurance companies can expect to save about $2.5 billion by obtaining reinsurance from the fund instead of having to buy it on the open market, said Chief Financial Officer Tom Gallagher.
''That's passed on to the consumers of this state,'' said Gallagher, who serves on the five-member board with Bush, Attorney General Charlie Crist and two catastrophe fund staff members.
Gallagher estimated homeowners could save $400 to $500 per policy but perhaps what is more important it has helped maintain the availability of insurance coverage. He said Gulf Coast states struck by Hurricane Katrina last year are copying Florida because their insurers are bailing out.
''Without insurance you're not going to get financing,'' Bush said. ''Without financing you're going to see the economy at a standstill. Thank goodness we have the Cat fund.''
In a related development, Insurance Commissioner Kevin McCarty and state Sen. Steven Geller, D-Cooper City, announced they would present proposals for a national catastrophe fund to the National Conference of Insurance Legislators and National Association of Insurance Commissioners.
Geller chairs the legislative organization's Subcommittee on National Disaster Insurance Legislation and McCarty chairs the commissioner group's Property and Casualty Committee.
GRACIAS POR VISITAR MI WEB
JOSE RAUL MARRERO
WWW.JOSERAULMARRERO.COM
TODOS SOMOS GUERREROS DE LUZ...........
