Homeowners who harden their homes against storm damage are realizing a substantial premium reduction on their Homeowners Insurance.
We had hurricane shutters installed on our windows, doors and sliding glass doors two years ago. When our Insurance police renewed we were given a credit of over $500.00 because of the additions.
Citizens Insurance, the insure of last resort in the State of Florida, has credited 470 million dollars to 46% of their policy holders. These policy holders hardened their homes and applied for the mitigation credit.
Citizens expect to credit back more then 640 million to policy holders in 2009.
At the outset homeowners may consider the hardening expenditures to be too costly, however the premium savings alone will cover the expenditure in most cases in less then five years. Beyond that the savings would be like new found money.
In our case, we will have recovered our outlay in full with-in the first four years.
The Board of Directors of Hope Fund for Children are sponsoring their Fall Omelet Breakfast and Bingo Saturday, November 8, 2008.
The event will be held in the Florida Room of Sun City Center's Main Campus, located on North Pebble Beach Blvd. from 8:30 AM to 11:00 AM.
Attendance by Sun City Residents and the General public have made these events a huge success in the past.
Tickets, priced at $6.00 are available at the door.
Do you know Florida and maybe other States too, measure State growth by monitoring electrical service hook-ups?
I didn't!
Actually, I never gave a thought to what source was used to make the determination.
For the first time since University of Florida researchers began keeping track, 40 years ago, the number of electrical hook-ups in Florida actually fell slightly in September 2008.
Population growth in Florida has slowed and the trend is expected to continue until 2011 when the next generation of Baby Boomers reach retirement age.
Tampa Bay area has enjoyed a higher growth rate then other parts of the State. It is anticipated this trend will continue during the immediate forthcoming months.
Sun City Center, a premier retirement community and other near by retirement communities continue to draw active retirees.
Many retirees winter in the community, however there has been a marked increase in the number of retirees that reside here year round.
In today's volatile financial market we in Sun City Center are fortunate to have the presence of RCB, Royal Bank of Canada.
RCB, a well positioned financial institution, maintains an office locally. In addition to traditional banking services, RCB offers a variety of mortgage products to local as well as foreign buyers.
Their local mortgage representative recently gave us his assurance their mortgage department readily process and close mortgages financing a primary residence and/or a second home. Qualified buyers can be citizens of the United States or a foreign country.
RCB services many buyers local buyers with citizenship's in Canada, England, Scotland as well as other countries.
Mortgages from inception to close normally take four weeks, however in some cases with a cooperative, well documented client turn around can be accomplished in two weeks.
It is reassuring to know stability in many forms still exists in the money world some of which remains at our doorstep.
As has been said many times in many ways, "Now is the time to buy into Real Estate!" Not only for today but for the future as well.
I spent a good portion of last week calling owners of properties I have listed, many of which live out of town. The calls were to maintain contact and to up-date them on the happenings over the last month. I regularly appraise them of current market conditions, showing activities, etc.
Conveying less then positive news can be challenging. You have to keep your focus on the positive and your tone up-beat so as not to discourage property owner. This past week was no exception.
Buyer activity has slowed drastically over the past few weeks and understandably so. With the financial goings on and the up coming election buyers are skeptical and tend to be very cautious. Offers from those that are looking have been few and far between. There have been a few though and that is encouraging.
Nonetheless, most of the conversations I had concluded on the up side with my assurance the onset of our "Season", The Sno-Birds have begun returning for the winter, we can anticipate an increase in activity.
Wham! There is always an exception ! My phone rang Saturday morning as I was about to leave for the office. An agent from our office was calling to say she just finished writing a full price, cash offer on one of my listings with a closing date of November 10th. Color me real happy!
Upon arriving at the office I collected the contract and listing file and sat down to make the call. Surprising how easy it was going to be to hold this conversation!
I finally reached the owners on their cell phone. They were spending the weekend in the Adirondack's enjoying the fall colors. They were as elated as I was and thanked me over and over for the good news. As I sat preparing the fax I couldn't help but think how much more brilliant the afternoon colors will be to them then those they had seen earlier in the day. Good news always sharpens our senses.
Sun City Center... Florida's Premiere Retirement Community. Featuring single family, villas, fourplex & condominum homes. I work with buyers and sellers. Contact me for all of your Real Estate needs.
I retired after spending twenty five plus years in Human Resourses. Employed by a Publicly held then privately owned Company. Following my retirement I moved to Sun City Center, Florida where I currently reside.
Shortly after getting settled I started a Home Maintenance business which I worked and enjoyed for fourteen years. For the most part I concentrated on servicing the immediate Sun City Center Area. All of my business was either repeat or referral. There was never a need to advertise our services or availability.
Real Estate is a natural extention of services. Having worked for so many owners, tenants and professionals I was given extensive exposure to the community. I am committed to working with the public in an effort to assist them in the achievement of their goals, in the very broad sence, and as it relates to their Real Estate needs.
MY OBJECTIVE
For you, the seller, I will do everything with-in my means to sell your home as quickly and painlessly as possible, at a fair and competative market price.
I will work tirelessly to obtain, for you, the buyer, the best price on a home that is perfectly suited to your needs and lifestyle, not just for today, but for years to come.
About Sun City Center
Sun City Center is located between Tampa and Sarasota along Interstate 75 corridor. Beautiful land and friendly people are two of our most important natural resourses. South Shore communities offer everything today's active retirement residences and businesses alike need to prosper. Lots of beautiful water, a friendly business climate and prime land for future growth and development.
Sun City Center offers residents approximately 340 days of "summery" weather and is an ideal location for active retirement living. Residents enjoy a wide range of home styles and communities, from larger estates to master-planned developments, waterfront neighborhoods to more rural settings. Plus, if the need arises, the community is equipped with world-class assisted living facilities and other senior living options. Currently, there are over 15,000 retirees residing in the community. There are over 80 Clubs to be enjoyed by Sun City Residens These clubs are housed at the main campus on North Pebble Beach Blvd. In addition there are three pool, hot tub, new excerise and fitness facilities. Our own Little Theatre and so much more.
In addition to golf there is horse shoes, lawn bowling, tennis, bunker art and card clubs galore. There are evening socials scheduled from time to time, Senior Mrs. Sun City Center pagents, Winter Follies, Aquatic swim teams, Clogging, tap and ballroom dance groups etc. Various organizations sponsor chairity functions and benefits to help needy families and children of local communities. There is never a need to be bored, Residents can find plenty to busy themselves. Or they can just chill out and enjoy the beauty of the Community.
Golf Carts are an approved means of alternate transportation within the community. Community residents own over 5000 golf carts which may be operated in the community on public roads and there is no need for licensing.
Sun City Center has it's own hospital, Rescue Squad, Fire Department, and Security Patrol. With our state of the art facilities, we are on the cutting edge at all times. Many communities try to duplicate our way of life, but none can compare. Check us out at http://www.suncitycenter.org/
There is also a gated community within Sun City Center called Kings Point. Check out Kings Point at http://www.kpscc.com/
Sun City Center is within close driving distance to many of the Theme Parks in Florida. Some of them right here in the Tampa Bay area. Twenty miles or so to Tampa's beautiful downtown. Approximately ninety miles to Disney World in Orlando.
Affiliations:
Greater Tampa Board of Realtors
National Association of Realtors
Every one of my clients is unique, and that is exactly how I treat him or her. I'm proud to say that a high percentage of my business comes from past clients-from people who choose my services time and again. I don't measure my success by sales, but by the relationships I build along the way.
I have established a client base of over 300 residents whom I maintain regular contact with. They always feel at ease to call me if they have a need, even if the need is outside the area of Real Estate. That regard has given me the utmost personal satisfaction.
The most important thing when choosing a real estate professional is to find someone you can trust. I have a history of success, honesty and integrity in real estate that you can depend on. I am an experienced negotiator with expert knowledge of the local market. You can count on me to always work with your interests in mind, and to represent you and your wishes to the best of my ability.
If you currently have a Real Estate need or if your needs are some time in the future I would be more then happy to discuss them and work with you toward bring them to a satisfactory conclusion.
Dear Hal,
Thank you so much for all your help. I don't know what we would have done without you!
Dan & Lorraine Harris
Dear Hal,
We'd like to take this opportunity to thank you for all your help. You were so patient with us. Your knowledge of the area, and your attention to detail were very helpful. We appreciate all your hard work in helping us find just the right home.
Sincerely,
The Bergstroms
Dear Hal,
You are a lifesaver. After an exhaustive search on our own to find a home, we met you. It was like our prayers were answered. Your perserverance, knowledge and dedication are commendable.
The Krowels
Hal,
Thank you for making our winter home shopping a pleasent, rewarding and trouble free experience. We look so forward to being back there this coming winter into next spring.
We will pass your name on to everyone we know that have an interest in Sun City Center. What a wonderful Community.
The Brandon's
Dear Hal,
Words will never completely express my appreciation for the hours you spent helping me sell my home and finding the new one. I am so happy here, especially now that everything is settled and in place. The contractors you recommended did an outstanding job painting and updating my new home.
Who would have thought I would be able to accomplish so much in a very short time. I will always remember you fondly.
Mrs. Oakley
Hi Hal,
Just a note of appreciation for the effort you put forth in listing, showing and selling my home there in Sun City Center. Selling was a decision that was difficult to make however you help and compassion help me finalize the task and enabled me to move on. Thank you ever so much.
R. T. Aylor
Harold,
I have been meaning to write you for some time to thank you for your help in marketing my home. You were a marvelous resource. Had it not been for your willingness to share your market knowledge at that time I would have sold the property for much less then I did and not known the difference. I will always be in debited to you.
Thank you again for everything,
B. G. Anderson
Hal,
We just wanted to thank you for your endurance as it pertains to the closing of our investment property there in Sun City Center. Both Kathy and I are sure, had it not been for your efforts, the closing would never have taken place.
We will be having a celebration dinner with you when we come down in the fall.
Dean & Kathy Mason
Dear Broker,
I would like to take this opportunity to thank your agent, Hal Place, and his team members for their untiring effort with regard to marketing our home. We have taken the property off the market for the time being, as we are heading north for the simmer. However, we intend to relist in the fall when we return for our winter stay.
Your agents are a credit to the community.
Mr. & Mrs. Hertal
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