Welcome to Paradise. Naples is one of the most beautiful coastal communities in Florida. You will love the lifestyle, the people, the scenery and the recreation that Naples has to offer. Who I am:
While holding myself to the highest professional and ethical standards, I strive to help my clients make successful real estate decisions and in the process prove worth their trust and friendship so that I may become a long term friend and advisor. My mission:
To provide superior quality service based on my knowledge and experience with the ultimate goal of closing with success. My Promises to my Clients:
* Loyalty: Act solely in the best interest of my Client.
* Disclosure: Must tell everything I know about the seller and the property. * Confidentiality: Obligation to safeguard my Clients confidences and secrets. * Reasonable Care and Diligence: Prepare myself through education and study to competently represent my Client in all matters. * Accounting: Safeguard any money, deeds, or other documents entrusted to them relative to my Clients transactions of affairs. Career Highlights:
2008:
Rec'd Top Sales Agent of the Month April
Rec'd Top Sales Agent of the Month May 2007:
Rec'd Performance Award
Rec'd Top 5 Sales Agent of the Month July
2006/2005:
Named 5 Star Agent for Customer Service by Gulf Shore Life
Thank you for visiting my website. My clients are my number one priority. I look forward to making you a number one priority!
3 Market Dynamics That Will Keep Florida Real Estate Rising In Value for Years To Come 1. Baby Boomers. Between the years 1946 and 1964, the birth rate in the United States saw a marked increase from prior levels. As a result, this generation is going to be retiring in record numbers as well. Due to the fact that the high rate of birth was sustained over a period of 18 years, a sustained increase in retirees moving to Florida will ensure a strong demand for housing.
2. Technology. The advent of the internet has made telecommuting available to individuals that simply did not have that choice before. Families can now choose to live where they want to live rather that where they have to live due to proximity to work. The Florida lifestyle is more accessible (via telecommuting and the internet) to many that would otherwise not be able to take advantage of it. There are thousands of families moving down to Florida from colder harsher climates that would not be doing so were it not for the advent of the internet and email.
3. Outsourcing and Loss of Manufacturing Jobs Overseas. With these traditional high paying blue collar jobs becoming extinct in the United States , thousands of people are finding themselves unemployed and not able to readily find work in their field. These workers and their families are moving to Florida due to the better job market and easier lifestyle it offers them. As they move here, they will eventually be buying homes and creating more demand.
The one wildcard in a sustainable upward swing in real estate prices is where interest rates are going. Throughout 2004 and 2005 the Federal Reserve has been raising short term rates. However longer term mortgage interest rates have remained low. The market is somewhat resilient to interest rates moving higher, but only to a point. If rates on mortgages stay between today's level of 5.75% and a maximum of 7.500% then the real estate market will be relatively unaffected. If they go higher than 7.500%, then there may be some pressure on appreciation. This pressure will initially be felt on the upper end of the housing market (luxury properties) and depending on how high the rates go, may work its way down the chain to the level of investment grade (3/2 single family homes priced at close to replacement or building and land cost) properties. Stocks vs Real Estate - Why Real Estate Will Always Win! Assets be they stocks, bonds, or real estate, provide their owners returns in two ways: The rate at which their value increases every year (capital appreciation) and The rate at which they generate an income for their owner (dividend or rent). Both stocks and real estate investment appreciate at roughly the same rate ... but we can show you how real estate comes out on top.
When comparing real estate to stocks it is essential to look at both forms of returns to the investor. Capital appreciation for stocks and real estate has many different underlying elements. However, rather than look at the myriad of complicated factors, we can look at a long term historical view to determine that, when adjusted for risk, both stocks and real estate appreciate at roughly the same rate. These cycles of appreciation may not be the same, but over time the returns are similar. On the surface it may seem that they are both equally good investments over the long run. We need to dig a little deeper to show you how real estate comes out on top. Have you ever wondered why banks will only lend you 50% of your stock portfolio to buy more stock, yet those same banks are happy to lend you 90% of the value of your real estate portfolio? Which investment do you think they consider more risky? With assets, capital return on investment is based more on how much asset you control rather than own outright. You can usually control more than you own outright by borrowing money against your asset and leveraging it to produce a higher return. Its access to this leverage that magnifies your return on investment, and because real estate has greater access to leverage, your return is always going to be higher for a given underlying rate of appreciation. For example, let's assume you have $100,000 to invest. You can either invest it in the stock market or real estate. To maximize your return on investment you want to leverage your investment to the maximum degree to which you have access. With stocks, you can borrow 50% of the value of your portfolio on margin. Your $100,000 investment would allow you to borrow an additional $50,000 for a total portfolio controlled by you of $150,000. If this portfolio appreciated by 8% for the year your capital return on investment would by $150,000 X 8% or $12,000. When compared to your original investment of $100,000 your capital return on investment for the year would be your original investment divided by the total return on your total controlled portfolio or $100,000 / $12,000 = 12%. Most people assume that when the price of their real estate rises 6% they are earning a 6% return. But since they have invested only their down payment, their actual cash-on-cash return is significantly higher! With real estate, you can borrow up to 90% of the value of your portfolio. Your $100,000 investment allows you to control $1,000,000 worth of real estate! If your real estate portfolio appreciated by 8% for the year your capital return on investment would by $1,000,000 X 8% or $80,000! When compared to your original investment of $100,000 your capital return on investment for the year would be your original investment divided by the total return on your total controlled portfolio or $100,000 / $80,000 = 80%! You can clearly see in the above example, that for a given appreciation rate, real estate produces an 80% return on your investment dollar and stocks produce a 12% return on investment. Conventional wisdom however dictates that the higher the level of leverage the riskier the investment. We mitigate or contain risk in real estate investing by defining an investment "box". This box contains parameters that make the investment as risk averse as possible. By only investing in 3 bedroom, 2 bathroom, 2 car garage, brand new or late model single family homes at a price point 90% of the home buying public can afford in areas that are ripe for appreciation your investment is secure. This asset provides a very basic need for everyone and that's shelter. We can do without certain company's stock in the marketplace but we certainly can not do without a place to live. A single family home can never go bankrupt like a companies stock can! By purchasing the right real estate investment and maximizing your leverage on it you can be assured of a solid long term financial freedom and wealth building strategy for you and your family. The second way in which assets produce returns for their owners is income. For a stock, income is called a dividend. For investment real estate, income is called rent. The average blue chip or "safe" stock pays income or dividend at an average rate of 1.5% to 2%. That means that you would have to own or control $10,000,000 (ten million dollars!) worth of stock to realize an income of $150,000 to $200,000 per year! To control $10,000,000 worth of stock you would need approximately $7,500,000 and borrow 50% on that to get to the $10,000,000 number. Investment grade real estate produces an income or rent that is approximately 6% to 8% of the value of the asset. If you controlled $10,000,000 worth of real estate the income generated would be $600,000 to $800,000 per year! But it's your access to leverage that makes controlling $10,000,000 worth of real estate more realistic than controlling $10,000 000 worth of stock. With access to 90% financing, you can control $10,000,000 worth of real estate with just $1,000,000 vs. $7,500,000 you would need to control the same amount of stock! 
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