Maria Borci ABR-TRC-ASP Doral Kendall FL Real Estate

Homes increase their values by a fair rate each year. The rate of increase may vary based on some factors such as the location and nearby amenities. Of course, you will also have to pay for mortgage and property taxes, along with a couple of other costs.The interest on both your mortgage and your property taxes are tax deductible .

Your rate of return when buying a home is definitely higher than most any other investment you could make.

Many companies are offering you the Paperless Option not only to save paper but to have a smaller pile of incoming mail every day. Your bank statement and many others can be combined into a single e-mail notification or online statement- Going PAPERLESS is going GREEN.

Not only companies can cut down on mail and clutter but you can help save more than many tons of paper per year which is good for them and the environment.

Do you know how many trees are used to make a ton of paper?

A study made based on a mixture of softwoods and hardwoods trees 40 feet tall and 6-8 inches in diameter, it would take a rough average of 24 trees to produce a ton of printing and writing paper.

Here are some numbers and facts regarding quantities of trees used to make paper

A pallet of copier paper (20-lb. sheet weight) contains 40 cartons and weighs 1 ton. Therefore,

10 reams of 100% virgin copier paper use .6 trees

1 tree makes 16.67 reams of copy paper or 8,333.3 sheets

1 ream =500 sheets uses 6% of a tree

1 ton of coated, higher-end virgin magazine paper (used for magazines like National Geographic and many others) uses a little more than 15 trees

1 ton of coated, lower-end virgin magazine paper (used for newsmagazines and most catalogs) uses nearly 8 trees

My office uses around 15 boxes each month- each box contain 10 reams-makes your numbers.

I use recycled paper and you can do print and save a lot of paper- When printing MLS listings and other material not needed to be presented to clients do it on recycled paper / paper previously used and printed in one side. Another thing -use recycled paper printed in one side to reprint material not needed to be presented or only needed to be filed in personal files-in home office file.

Some previous drafts of contracts can be printed also in previously printed paper. If is to be faxed, better yet.

E-fax in another convenient way to save paper. Keep files in your outlook with a folder name for each client. Back up your data every week. There is no need to keep a lot of papers or e-mails printed in all your files.

To implement the saving of paper, I do upload my fax-copier and in home printer with previously one side printed paper- even my son knows when to use blank paper and this is a good way to teach them not only to recycle but to save paper too.

I had the idea of implementing this routine in my office - we can save and probably cut down to a 35% of paper used - and we have 35 offices. We have to create and use printer number one with blank paper and printer number two with recycled paper- previously used in one side. Printer number three is color- special presentation projects require a good quality paper- not recycled or PU. Printer number two is to print paperwork needed for personal use-like listings and old material.

Read more about facts on recycling on

www.miamidade.gov/dswm/library/recycling_quick_facts.pdf

If you are in Miami Dade County, call Solid Waste Management 305-633-3100 to set up an account to have used- printed paper picked up for recycling. They provide with a 96 gallon Blue cart container for a weekly collection. Monthly charges applies as for fuel and service.

Puede un deudor hipotecario mejorar las condiciones de su préstamo y lograr una reducción de la cuota? Sí. La solución sería tomar un nuevo préstamo, a una tasa más baja, y así canjear la deuda asumida por otra mas conveniente.

La salida es tomar un crédito a tasas actuales y, con el dinero obtenido, cancelar el crédito tomado al comprar o por previa refinanciacion. Algunos consumidores han obtenido una hipoteca convencional y una linea de credito, comunmente llamada HELOC ( Home Equity Line of Credit) y buscan consolidar en una sola hipoteca a una tasa mas convencional y fija.

En estos momentos las tasas de interes se encuentran en caida en comparacion a anteriores.

Los hispanos que compran una vivienda son cada vez más hasta el punto que los apellidos García y Rodríguez se encuentran entre los cinco primeros de los nombres que adquieren una casa en Estados Unidos,durante el año 2005, respecto a 2000, ha sido revelado.

En California, por ejemplo, mientras que en el año 2000 sólo un apellido hispano estaba entre los cinco más populares, los cinco primeros puestos los ocupan ahora García, Hernández, Rodríguez, López, y Martínez, lo que evidencia el incremento de compradores hispano parlantes.

Otros estados incluidos en el estudio con apellidos hispanos entre los cinco más populares se encuentran Florida, Illinois, Arizona, Nueva Jersey, Nuevo México, Nueva York y Colorado.

En el año 2000, en varios de estos estados, no existía ningún apellido hispano entre los cinco más populares.

La tasa de propietarios de vivienda hispanos era de 50 por ciento al finalizar 2005.

Otras fuentes estiman en mayores números la cantidad actual de hispanos propietarios.

Actualmente 56 por ciento de los hispanos es propietario de una vivienda.

Ellos representan una creciente tendencia en propiedad de vivienda.

La población latina en EEUU será cerca del 40 por ciento de los compradores de casa por primera vez durante los próximos 20 años.

Compra y/ o vende Bienes raices conmigo. Escribeme a mariaborci@gmail.com Telefono mobil 305-798-0706.

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