Important announcement!

Pasco County Florida is in line to receive close to $ 19 million in funds to help home buyers.
Home buyers can receive up to $30,000 in home buyer assistance. Please contact me at 813-263-6806 so I can help you access these funds for the purchase of a home in Pasco county. Yes there are requirements and you must take a home buyer class. Funds are being distributed to different programs so don't waste any time to get qualified for these monies.

Getting Involved with "Green' Building in your Home

    As we end the arguably "troubled" year of 2008, it might be uplifting to consider something we could all get involved with in 2009 to begin moving our ourselves, our planet and, in particular, our homes toward a more eco-friendly an sustainable lifestyle.

    Yes, owning a home of your own is clearly the ultimate "American Dream", but some of us now want to go further and move our homes is the direction that has become to be known as "green".

    Some may want to build their own green home from scratch. For those, the trend to "building green" calls for using materials that are environmentally friendly, designing spaces to utilize energy more efficiently, furnishing the home with Energy Star-rated appliances, and avoiding waste and using natural resources as much as possible.   For others, becoming more green, may involve just remodeling or updating your home.  In either case, there are many resources on the Internet to help you find your way.

    As the author of the greenhomebuilding.com website says, "The reason for building greener homes is really quite important.  We need to live more lightly on the earth, because the degradation of our environment is ompromising not only our survival, but the survival of most other living beings on the planet.  We can no longer ignore the impact we have on the earth's ecosystems. nbsp;The way we live, the choices we make in providing for our needs, will have an enormous influence on the quality of life of those who will follow us."

    If you’re looking for tips, plans and pointers to consider as you contemplate perhaps building that "green home," or just employing an environmentally-friendly approach in your remodelling, there are many Internet-based website resources that offer information and assistance:

• GreenHomeBuilding.com This website offers a wide range of information about sustainable architecture and natural building including plans,
  designs and other resources that help get you started with ideas for your own green home.  In addition to eco-friendly (sustainable) designs, you also have find options that focus on local architecture and use of indigenous materials.  You can also seek expert opinions or buy building codes and other resources.



• GreenHomeGuide.org is a guide maintained by the United States Green Building Council.  This website offers comprehensive information on green-home programs, green remodeling guidelines for remodeling kitchens, baths, flooring and more... even landscaping as well as many other resources.  You will learn how to get your home Leadership in Energy and Environmental Design (LEED) certified and other interesting facts and figures.



• GreenBuilding.com: The author of this site, green building expert David Johnston, is a leading thinker behind the green building movement, transforming the way we think about the American home.  His approach to green building has been embraced by municipalities, homeowners, building professionals and sustainability advocates nation-wide.  Johnston’s current book, "Green Remodeling: Changing the World One Room at a Time," co-authored with fellow green building consultant Kim Master, and available on Amazon.com has been hailed as the definitive guide to green remodeling techniques.  This website explains how a green home should be constructed and offers links to professionals in the field.  The website also contains many "fast facts" about the waste that goes on in a typical home.  You can also learn how to go about a green remodeling project or talk to experts on energy to learn how your home can benefit from such investments.



• BuildingGreen.com offers a live feed of news items related to green building from around the world.  Other links offer access to green projects, products and informative articles.



• GreenIsUniversal.com While this site offers some of the same resources to help build sustainable, eco-friendly homes offered by other websites, this site also offers a Virtual Reality Game where you can play at building your own green home online.

    If you'd like more information about this topic, I would be pleased if you would contact me by E-Mail or by phone at 813-263-6806. You may also want to visit my Tampa Bay Florida real estate website.

Tampa Bay Real Estate Market Poised for Recovery

I read a very intriguing article this morning which was written by James A. Crumbaugh III, CEO of Allison James Estates & Homes. I am copying the content of that article here because I believe Mr Crumbaugh is absolutely right in his understanding of WHY the Tampa Bay real estate market is poised to have a much better year in 2009 than 2008 has been.
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RISMEDIA, Dec. 10, 2008- I’m always accused of being overly optimistic about the real estate market. You have to understand that after 35 + years in the business, everything is just a cycle to me and when we go through a cycle like we’ve been going through, then my thoughts become “How long will the cycle last?”

You may have read my previous article titled The Perfect Storm, where I discussed the reasons that I thought this real estate market was poised to turn around. We are seeing the market improve almost on a daily basis recently. Is it the facts that I stated in my article that is causing the turn around? Absolutely that’s part of the turnaround.

However, there is another dynamic at work here. I’ll call it the "Obama Effect." I voted for John McCain, but I’m sensing an optimism starting to build in this country. I will give President Elect Obama credit where credit is due, and I will be the first to admit that at this point he is being very proactive at turning around the financial crisis in this country.

As the optimism improves, and I think it will, from here to the inauguration, and for the honeymoon period following the inauguration, we will continue to see an improvement in the optimism in this country.

With the automotive bailout, real estate is bound to improve in the Michigan area and probably the entire rust belt, therefore improving Florida real estate. The retirees will be able to sell their homes in Michigan and retire to Florida or other states popular among retirees.

The public works project will put hundreds of thousands of workers back to work and at good wages. I still believe we have a pent up demand for the last three years of buyers wanting to buy. Once these buyers are employed again and flush with income, the market will start to improve.

Then you have very low fuel prices that allow the consumer more discretionary income to spend.

Then we have the potential for mortgage rates as low as 4½% .

When you start to take a hard look at where we are poised as an industry, no matter how pessimistic you are, you have got to believe we are in for a return of a good real estate market in Florida, if not an excellent real estate market.

The stars are lining up:

- An improved automotive market
- Low fuel prices
- Workers going back to work
- Good wages
- Low real estate prices
- Low mortgage rates

I’m becoming more optimistic just writing this article. I don’t believe you can argue the facts as I just them pointed out. Things are looking up for the Florida real estate industry..........

James A. Crumbaugh III is CEO of Allison James Estates & Homes.
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If you are a retiree, a real estate investor, or a broker or realtor, better times are coming in 2009 because the bear market in housing is about to turn around and it will turn around soon.

If you are ready to learn why, if you are going to invest in Florida real estate, Tampa Bay Florida is the right place to do it, contact me by E-Mail or complete my Tampa Florida Information Request Form. In a hurry ? Then call me directly at 813-263-6806.

Go "Green" for the Holidays

With our economy faltering and the new awareness of a more eco-friendly approach to living, we're all more focused on being "green" these days - with respect to both our wallets and the environment. The holiday season can be a challenge for both of these interests with gifts to buy and wrap, decorating to do, holiday parties to throw and on and on.

It has been estimated that during every week between Thanksgiving and the New Year, an extra one million tons of waste will be generated in the U.S. alone. It's been estimated that 38,000 miles of Christmas ribbon are tossed away each year - enough to ribbon more than once around the Earth!

Rather than waiting for New Year's Resolution time to bcome more "green," try a few of these eco-conscious tips to help you and your family live, give and save green this holiday season.

Go with the Glow
The holidays just wouldn't be the same without the twinkly glow of strings of lights along rooftops, eaves and in trees and shrubs. But those holiday lights are a real drain on your energy bill. LED lights use less than 10% of the electricity consumed by traditional filament bulbs and can save you close to 95% on your electricity bill.

Stay Home for the Holidays
Save time, money and stress. Stay home for the holidays this year saving money for gas and reducing pollution. use-less-stuff.com reports that if every American family reduced holiday gas consumption by just one gallon, that would mean driving just about 20 miles less, we would reduce greenhouse gas emissions by one million tons. So think about enjoying the holidays this year at home.

Get Creative with Wrapping
Mass-produced wrapping paper generally is not recyclable and ends up in landfills. Instead, get creative. Wrap presents in old maps, the comics section of a newspaper, or in your children's artwork. The Sierra Club estimatges that if every family wrapped just three gifts this way, it would save enough wrapping paper to cover 45,000 football fields. And, does that pre-formed bow actually make the present all that much more attractive? Think about leaving those off your presents this year.

Give the Gift of Giving
Upgrading your electronic toys and computers this year? Do you have electronics, toys, appliances or clothes that your family no longer needs or uses? Donate those items to a local charity or shelter. You'll get rid of clutter, and, you'll keep all that stuff you donate from ending up in a landfill. Are you a neat-nik with nothing extra lying around the house? Think about making modest cash donations to local charities or food items to a local food bank and telling the folks you'd normally give some silly (and probably unwanted) gift to, that you've made a donation instead. If you know your friends' favorite charities, your donations may be even more appreciated. You'll be helping to reduce waste and at the same time, you'll be making someone's holiday a little brighter than it might have been.

Save A Shoppng Bag and a Tree
Instead of coming home with 15 shopping bags, all of which will end up in the trash, bring your own eco-friendly bags to the store. If you're afraid of being stopped for shoplifting, Danny Seo, author of "Simply Green Giving," fastens receipts to the outside of his bags with a binder clip he brings with him, clearly indicating that what is indisde was ought and paid for.

For your Christmas tree, go "real." Fake trees are petroleum-based and they are not biodegradable." One answer, depending on where you live, is to buy a live tree and plant it in your yard next Spring. Or get a fresh-cut tree and, after the holidays, take it to a recycling facility, where it can be turned into mulch.

Give Green, Live Green and Save Green
Make this your holiday slogan. These simple steps make it easy to bring a little more "green" to the Earth and save a little "green" in your wallet this holiday season. Have ideas of your own ? Write us a comment with your suggestions.

Happy Holidays to You and Yours

More Federal Help for Tampa Bay Foreclosures May Be Coming

A number of U.S. government agencies are working together on a new plan that could help 3 million homeowners avoid foreclosures. These negotiations could still fail, but federal government agencies are contemplating using $50 billion of the recently-passed federal bailout plan to guarantee up to $500 billion of residential home mortgages. Florida, because of its enormous reliance on the real estate industry, could benefit greatly under this plan since the housing meltdown has had a major negative effect on the state's economy.

Under the plan, the government would agree to absorb half of the losses on home loans if the mortgage company agrees to lower the borrowers'
monthly payments for at least 5 years. Details f how the plan would work are still being negotiated but this is the cetnral concept of the plan at this point.

In another recent development, more than $540 million in federal funds is coming to Florida, earmarked to purchase foreclosed homes at a discount. “Florida has felt the sting of our nation’s housing market challenges, and these funds will provide a welcome boost to our state’s economy by helping Florida families stay in their homes,” said Gov. Charlie Crist.

Governor Crist credited Florida’s Congressional delegation with securing the support from the U.S. Department of Housing and Urban Development’s Community Development Block Grants under the Housing and Economic
Recovery Act of 2008 passed by Congress earlier this year. The funds will provide assistance to state and local governments to acquire and re-develop foreclosed properties that might otherwise be abandoned and blight their neighborhoods.

Florida had the nation's second-highest foreclosure rate in September, an ignominious record achieved by beating out depressed housing markets in California and Arizona, according to the firm RealtyTrac. Foreclosure filings last month afflicted 47,956 Florida properties, or one in every 178 homes. Only Nevada, with one in 82 properties facing foreclosure, is worse off. Hillsborough County showed the biggest monthly increase in Tampa Bay with 4,663 properties falling into foreclosure in the month. Pinellas County had 1,813 foreclosure cases, while Pasco and Hernando counties had 1,175 and 374 cases, respectively.

"Anything we can do to get foreclosure numbers down will quicken the stabilization of the market," said Ritch Workman, president of the 2100-member Florida Association of Mortgage Brokers.

The new federal government foreclosure-assistance program now being negotiated would be run by the Federal Deposit Insurance Corp (FDIC).

No one understands that process involved in short sales and foreclosure sales than an experienced Tampa Bay real estate professional like Cheryl Stimac. You can visit her Tampa Florida real estate website or call her directly at 813-263-6806 for further information.

Home Selling - Target Your Buyer Audience

Have you noticed how political campaigns target specific groups of voters? The needs of each group are identified and addressed separately, because politicians recognize that the voting public is not a single, generic person, but a collection of millions of different personalities.

When selling your home, targeting your home properly could be your most important strategy because buyers have different needs and desires, just as voters do. When listing your home, ask your Realtor for details about the marketing plan he or she intends to use to attract different segments of the home buying population.

"Targeted" marketing, as pointed out in Cheryl Stimac's most recent newsletter, is an extremely effective method of attracting home buyers. No one understands that process more than an experienced real estate professional like Cheryl Stimac. You can visit her Tampa Florida real estate website or call her directly at 813-263-6806. You will be glad you did. If you'd like to subscribe to Cheryl's newsletter, you can sign up at her Newsletter Request Form.

8 Ways to Reduce Your Florida "Carbon Footprint."

Today many Floridians are looking to conserve energy to save money but also to reduce their "carbob footprint" by making their home more “green.”

The biggest source of pollution in Florida is our coal-powered power plants so reducing the use of electricity in your home will make a big dent in your home's carbon footprint as well ss your energy bill. Electricity used to air condition your home, run your swimming pool filter pump, and in many homes, heat the pool and run your water heater account for nearly 75% of your electicity usage. Here are some suggestions of ways to reduce the amount of electricity and energy consumed by your Florida home.

1 - Keep your home's thermostat at 78 degrees while you are home and at 82 degrees when you're away. It takes much less energy to cool a home to these levels than to lower levels. Invest in an inexpensive programmable thermostat to regulate the temperature in your home automatically. It will dramatically increase your chances of succes with this suggestion by making it automatic.

2 - Keep your air conditioner fan in the "automatic" positon at all times. Running the fan all the time consumes a lot of electricity and doesn't actually make the home any cooler.

3 - Install them if you don't already have them and use ceiling fans. Ceiling fans encourage evaporation of moisture from your skin making you feel more confortable. When you leave a room, remember to turn off the fan.

4 - Change your air filter every month. A dirty air filter forces your air conditioner to work harder to get the same amount of cooling. If you have a permanent filter, rinse it thoroughly every month. This is particularly importnt if you have a pet

5 - Keep your blinds and drapes closed when you're not home and, to the extent practical, even when you are home. When you're home at least try to keep the blinds and drapes closed on the sunny side of the home. When extra heat enters the home through windows and sliding doors the air conditioner has to work harder to maintain the same temperature.

6 - Have your air conditioner cleaned and checked every six months by a qualified HVAC contractor. Have them also check for crimps or leaks in the ductwork. This will assure that the unit is running most efficiently and the periodic cleaning and maintenance may add years to the life of the unit as well.

7 - If you have a swimming pool, another large consumer of electricity is your pool filter pump. Many pool filter systems run up to 8 hours a day. Reducing that to 6 hours a day in season, and to 4 hours a day off-season will reduce your monthly electric bill by quite a bit.

8 - In many homes, swimming pool water is heated to extend the swimming season. Think about how you heat that water. Whether it is heated by gas or electricity, a pool heater consumes a lot of energy. Consider converting to a solar system. And, whle you're at it, look into having a solar-assist added to your hot water heater. About the only thing in Florida that is free is our abundant sunshine and yet many still don't take advantage of it. Using the sun as an energy source will not only reduce your carbon footprint, but it has the extra bonus of being "free."

If you have questions about the advantages of living here in Tampa Bay, Florida, please call me at 813-263-6806 or visit my Tampa Bay Florida Real Estate website.

Tampa's Proposed FY 2009 City Budget

Tampa Florida's mayor, Pam Iorio, it seems to us, has performed a balancing act with her proposed budget for fiscal year 2009 running from October 1, 2008 to September 30, 2009.

The mayor's summary of the budget states that her proposed 2009 budget invests in Tampa's quality of life, including initiatives that affect neighborhood life on a day to day basis by promoting safe, clean and attrative neighborhoods, creating a downtown residential setting, making regional mass transit a reality, and promoting Tampa as a "City of the Arts." Offsetting these investments, the budget holds the line on recurring costs, especially personnel costs, since the city can no longer count on the big annual increases in property tax revenues it enjoyed in past years.

The overheated real estate market which has fallen dramatically, has impaired the flow of increased property tax revenues. In addition, the State of Florida legislature passed mandatory tax cuts and Florida voters approved a constitutional amendment doubling the homestead exemption.

To cover these decreased revenues, the mayor has eliminated more than 380 city positions in the last 2 years and, hopefully, offset those staffing reductions with improved efficiencies in the way the city government operates.

Even with the mayor's proposed cuts, the $836 million budget still represents a 9.8% increase over the FY 2008 budget, due mainly to funds for her proposed infrastructure improvements. Tampa City Council will now have to review, and amend or approve, the mayor's proposed budget.

In the judgment of many, Mayor Pam Iorio has proposed a FY 2009 budget that keeps the city of Tampa moving ahead while adjusting to the new realities of reduced city revenues.

If you would like to know more about Tampa and Tampa Bay, Florida feel free to call me directly at (813) 263-6806, E-Mail Me or visit my Tampa Florida Real Estate website. I'd be delighted to be of service to you.