September Network Newsletter

the

NET

BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY NEWSLETTER

SEPTEMBER 2019 VOL. 1

Top Agent Awards

Success Stories New Stock Photos available to freshen up your marketing!

02

03

04

Personal note from Christy and quote of the month

Featuring the July 2019 Top Agents

Welcome to The Team!

CON

WELCOME LETTER

volume 1

TOPS IN THE CO.

05

06

ReThink and MOS recaps

Dreams Come True 5K and Pet of the Month contest!

OUR CULTURE

BACKPACK CHALLENGE RESULTS!

07

08

09

Company calendar

Success Story and the Ninja Nine

Tips from our partners at Prosperity Home Mortgage, Gibraltar Title Services, Florida Network Property Management & Relocation

EVENTS & ACTIVITIES

NINJA UPDATES

CORE SERVICES CORNER

10

11

Monthly Marketing Update

Tech and Safety Tips

MARKETING

1

TEAM BUILDER

MONTHLY TIPS

BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY NEWSLETTER

WEL

note from christy I absolutely love listening to music, everything from classic rock to pop and country. Many of us have a genre of music that calms, relaxes, motivates, inspires or energizes us. We all need that “thing” that takes us away from the daily grind. For some of us it may be reading, working out, music, meditation or faith. Often, we lean in on all of the above to help us reset. I listen to music to decompress at the end of the day and even to get my thoughts in sync before business meetings and presentations. While I love the sound of the music itself, it is more often the lyrics that inspire my thoughts. There is a song that keeps popping up on my playlist and the lyrics are stuck in my mind (my daughter informed me that that is called an earworm…it really is, look it up!). Titled Living, the song by Dierks Bentley reminds me to keep everything in perspective.

Life is fast-paced, highly digital, sometimes unfair and stressful at times. I encourage each of you to slow everything down just a notch or two. Enjoy each moment, each day and each interaction you have with the people in your lives. One of the lyrics in Living that I love is, “Got a heart full of grateful for all you’ve been given.” Live each day to its fullest and make each day count!

I’m grateful for each of you!

Quote of the

month

It is not your customer’s job to remember you. It is your obligation and responsibility to make sure they don’t have the chance to forget you.

-Patricia Fripp

THANK YOU

!

ENTER TO WIN!

t e P M NTH of the

President and CEO

the

NET

BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY NEWSLETTER

Beauty & the Beast

Contest Winner!

2

ANNOUN

BRATE

TOPS IN TOP AGENTS IN THE COMPANY - AUG. 2019

TOP TEAMS IN THE COMPANY - AUG. 2019

TOP LISTER

TOP TRANSACTIONS

TOP LISTERS

TOP TRANSACTIONS

ANITA VINING

san marco/san jose

STEFANIE BERNSTEIN

st. augustine/murabella

LISA BARTON TEAM

LISA BARTON TEAM

TOPS IN SALES

TOP PRODUCER

TOPS IN SALES

TOP PRODUCERS

JUSTIN PETRUCCI

ANITA VINING

LISA BARTON TEAM

LISA BARTON TEAM

st. augustine/murabella

san marco/san jose

ponte vedra

ponte vedra

ponte vedra

ponte vedra

TOP OFFICE AWARD WINNERS SAN MARCO SAN JOSE listing:

Anita Vining

listing:

Lisa Ly Nguyen

listing:

sales:

Anita Vining

sales:

Michael Starling

sales:

transactions:

Anita Vining

transactions:

Michael Starling

transactions:

top producer:

Anita Vining

top producer:

Allison Steilberg

top producer:

BEACHES/ICW SOUTHSIDE

3

MANDARIN ST. JOHNS

AVONDALE ORTEGA

FLEMING ISLAND ORANGE PARK

PONTE VEDRA NOCATEE

Doug Nunnery Rob Guy

Priscilla Johnson

Charlie Hillyer

transactions:

Priscilla Johnson

Charlie Hillyer

top producer:

Lisa Barton Team

ST. AUGUSTINE MURABELLA

Casey Johnson

sales:

Beverly Hecht

SALES:

Sarah Rothstein

sales:

transactions:

Beverly Hecht

TRANSACTIONS:

Sarah Rothstein

transactions:

top producer:

Jennifer Sexton

TOP PRODUCER:

Sarah Rothstein

Kathy Coletti

Tina Webster

sales:

listing:

LISTING:

listing:

listing:

Donna Matthews Justin Petrucci

Stefanie Bernstein top producer: Donna Matthews

Congratulations Team!

ANNOUN

E M O C L E W

!

M A E T E TO TH

• MELISSA HERMAN PV • CHUCK SNYDER MU • CATHERINE SCHAEFER SM • HEATHER CREEL AV • SHEILA ZIPPEL MN • DERRICK BACON FI • LISA HAN BE • DAWN POFF FI • GENE WASHINTON PV

• ERIC MCCREA SA • SHAMEKA WILCOX SM • ZACH MORGAN PV • JOHN RYAN KING PV • MARILIE DANIELS SM • BRITAIN BROWN MN • TOM O’DONNELL PV • AUSTIN SAFFELL O’STEEN PV • KERRY LUITGAARDEN PV

TEAMBUILDER IS DRAFTING TEAMBUILDER IS DRAFTING

aa new PLAYER new PLAYER $ 1,500 $ 1,500 Recruit a winner by September 9 and you could score a touchdown with Recruit a winner by September 9 and you could score a touchdown with

#DUUUVAL DOLLARS #DUUUVAL DOLLARS

PLAYER MUST BE PRESENT TO WIN. PLAYER MUST BE

Awarded at the Company-wide Business Meeting on September 10.

PRESENT TO WIN.

Awarded at the Company-wide Business A member of the franchise system of BHH Affiliates, LLC. Equal Housing Opportunity.

Meeting on September 10.

4

OUR

BORATE

ReThink Recap On July 28th, The Rethink Council hosted the “New Homes Bring New Opportunities” training session.

Agents learned trends and strategies for success in all areas of new home sales and construction, strategies for representing builders, developers, new home buyers, and the benefits of becoming a Certified New Home Specialist™ and Residential Construction Certified™. The event was co-sponsored

by Prosperity Home Mortgage and Riverside Homes. Over 100 agents attended the class and were provided lunch and 3 hours of CE credits towards their license renewal. The Rethink Council is working on another event for the last quarter of 2019. If you are interested in becoming a contributor and member of the Rethink Council, please email Josh Cohen at josh.cohen@floridanetworkrealty.com.

For agents who attended, make sure to check DBPR at www.myfloridalicense.com to ensure your CE credits have posted!

M.O.S. Meeting Minutes

a few highlights from the july M.O.S. meeting:

Updated Rules of Adjustments are now posted on AE under

Florida Network & Ninja Resources<Ninja Selling.

Not signed up for the Just Listed Program? Here’s the Opt-In link: http://www.betafnr.com/store/just-listed-signup/

5

Updated stock photos of iconic Northeast Florida images are available in AE: https://www.dropbox.com/sh/vfwerltkxlz5oep/

AABaMoeSIAdJKVsgdijnTrcUa?dl=0

Click Here to review the MOS minutes.

OUR

CATE

20TH ANNUAL BACKPACK CHALLENGE

1,177

BACKPACKS!

September 28th at 8:30am

Thank you for helping us collect nearly 1,200 Backpacks filled with school supplies this year!

t e P M NTH of the

Beauty & the Beast Contest!!!

Beauty is in the eyes of the beholder! Prizes will be awarded for the most original photo and the funniest/ugliest pic. Send us a picture of your pet and make him or her the star of the month! Send pictures to Linda.Christy@FloridaNetworkRealty.com by September 30th.

6

EVENTS & ACTIVITIES DESCRIPTIONS & DETAILS ON THE EVENTS LISTED HERE CAN BE FOUND ON AE

Friday, September 6

Monday, September 16

Monday, September 9

Ninja Skills Group Webinar Deb - San Marco

On-Boarding

INC - Tools and Technology

Ninja Skills Group Live at Headquarters

Tuesday, September 10 Companywide Business Meeting at UNF

INC - Prospecting, Database and SOI

Wednesday, September 18 INC - Market Evaluation

INC - Orientation Deb - St. Augustine

Thursday, September 12 INC - Vital Focus Deb - Beaches

Thursday, September 19 INC - Prospecting OH, Real Estate...

Friday, September 20 On-Boarding

Monday, September 23

On-Boarding

INC - Orientation

Deb - St. Augustine

Friday, September 27

Thursday, October 10

On-Boarding

INC - Tools & Technology

Monday, September 30

Monday, October 14

INC - Listing Power 1st Step Ninja Skills Group Webinar Deb - Avondale

Wednesday, October 2

Ninja Skills Group Webinar

Wednesday, September 25 INC - Selecting and Showing Properties Deb - Mandarin

INC - The Buyer Process

Wednesday, October 16 INC - Selecting & Showing Property

INC - Listing Power 2nd Step

Thursday, October 17

INC - Buyer Process

Deb - Beaches

Friday, September 13

INC - Purchase & Sale Contract and Addendums

Wednesday, October 9

Deb - Avondale

MOS Meeting

Wednesday, September 11

Thursday, September 26

Thursday, October 3 INC - Contract to Close

INC - Purchase & Sale Contract & Addenda

Monday, October 7 INC - Vital Focus

SEPTEMBER - ANNIVERSERIES 7

DAY OF MONTH

TEAM MEMBER

OFFICE

# YEARS

9

Latif Muhaimeen

Ponte Vedra

5

9

Debbie Carroll

GTS

5

ANNOUN

success story • • • • •

12 months pre-Ninja 17.5 units and $3,965,000 volume Ninja installation Nov 2017 12 months post-Ninja 30.36 units and $15,048,000 volume Trust the process Always be coachable

“Having been in sales as an insurance broker for over 12 years, my “sales” approach was very different from the NINJA program. Learning how to shift my strategy to achieve success in real estate was key. The methodology behind this program fosters compassion, discipline, value and work/life balance. Although I instinctively have these qualities ingrained in me due to my experience and personality, the process in my delivery is what I treasured most in this program.”

Julia Fattahi Avondale/Ortega Office

The Daily Ninja Nine Habits for Success in “Giving” not “Selling” The Business 1.

Write your daily gratitudes. Take some time each morning to write a list of the things you are grateful for today.

Being in a space of gratitude creates great framework for the day.

2.

Show up! Stop opening your email first. Resist the addiction. Instead, do one hour of productive work first. Work “on” your business in the morning. Work “in” your business in the afternoon.

3.

Write two personal notes. People love receiving personal handwritten notes. Make it a daily practice. Write notes about anything – thank you notes, just checking in notes, birthday cards –anything goes!

4.

Focus on your Hot List daily. Stay in touch with those folks who are about to buy or sell now or in the very near future. Think, “Who can I write a contract with this week?”

5.

Focus on your Warm List daily. Make sure to stay in touch with the people who are interested in buying or selling but aren’t ready to pull the trigger just yet.

6.

Focus on your customer service calls weekly. Transaction follow ups are very important in getting referrals and repeat business.

7.

Schedule two real estate reviews this week. Schedule a time to sit down with two people in your sphere of influence to simply give them an update on the value of their home in today’s market.

8.

Schedule 50 live contacts this week.

9.

Update your database and look for property matches weekly. Check the MLS frequently and make sure you are on top of new listings that match your clients’ needs!

8

CORE SERVI

TITLE TIPS

We are excited to bring you and your clients our new 101% financing option with no mortgage insurance!

The 101% allows for buyers to not only have no down payment but also have 1% extra to help towards closing costs. The loan is structured as a 97% first mortgage and a 4% second and the second mortgage has the same rate as the first mortgage (it’s usually higher) and is interest only for the entire 30 year period. That keeps the payments reasonable for buyers and gives them the flexibility to pay the second mortgage down at their own pace. Here are the highlights of what the product offers – • • •

•

• •

Available up to the conforming limit of $484,350 Credit scores starting at 660 Eligible to all clients who are within 140% of the area median income Properties must be 1-unit, single family homes or condos Primary residences only Not restricted to first time buyers

If the property inspection turns up some items that need to be repaired or replaced, be careful as to how any amendment to the contract is drafted. If the Sellers decide to provide the Buyer with a credit for repairs instead of actually making the requested repairs, the amendment to the contract should be worded in a way in which the Lender will not balk at this contractual change. Generally speaking, if the Lender sees that the Seller is providing credits for repairs, then they will more often than not, require proof that they are complete with either an appraiser’s or licensed contractor’s certification.

In order to avoid this, any Seller’s credits should be reflected on a general amendment to the Contract and should be labeled generically as, “Seller’s credit”. This will likely not cause the Lender to delay the closing.

Please consult with GTS prior to drafting and/or presenting the amendment to the Buyer and Seller so that we can review the language and make sure that it won’t affect your closing.

PROPERTY MANAGEMENT

One of the best services we provide for our Full Managed properties is taking pictures of the entire house prior to the tenants moving in. This is one of the best ‘insurance plans’ we can offer for owners.

taking pictures involves:

Contact Relocation and your broker manager immediately if a client is requesting a matching affinity program benefit or if a client requests to receive any form of cash-back at closing, as your broker manager must assist in ensuring that the client’s specific loan program and the contract are written to maximize the customer’s benefits.

Reminder to send referral agreements from other brokerages or referral sources to Relocation for signature. We will review the agreement, making sure that the language is in line with company policy, protecting your clients!

9

Reminder to contact RELOCATION to register a customer who may be relocating in or out of Northeast Florida with their employer, so that Relocation is aware of the agent’s relationship with customer in case Relocation receives a referral agreement for that customer.

• Making sure the lights are on throughout the house to show that they are in working order.

• Standing in one corner of the room, taking pictures of the floor, walls and ceiling. Then going to the other corner and taking the same pictures. Making sure the doors are open and shut so you see both sides.

• In the bathrooms, we take pictures of the faucets, sinks, base of the bath tub, shower heads, toilets -inside and out and under the sinks.

• We ask the owner to provide 12 AC filters for each unit. When walking through the house with the tenant, we show them how to change the filters AND that there are 12 filters for the next 12 months. We have proof the filters were there when the tenant moves in because of the pictures.

• The kitchen, no matter what size, will have the most pictures. We take pictures with cupboards open and closed, the outside of the appliances- head on and at an angle to see the sheen. The inside of the appliances showing the cleanliness. Also making sure to have the serial numbers in case something breaks.

• Pictures of the garage which include the floors, garage opener make and model, sprinkler system set, water softener and level of salt at time of move in.

• We walk around the house taking pictures of the lawn and exterior of the house. This shows us the screens, condition of the exterior including shrubs and grass.

During the term of the lease, we save these pictures in the cloud. If we have any questions of the condition of the house after the mid term walk through then we can reference the pictures. They really come in to play after the tenant moves out. We have saved owners hundreds of dollars based on our before and after photos.

MARKETING

Creative Services

MONTHLY MARKETING UPDATE

September 2019

Updated Community Photos Now Available in AE!

Community Photos are free for you to use on Listing Presentations, eCards, websites, social media, and more. The community photo library includes photos of iconic places in Northeast Florida – from Downtown Jacksonville to historic St. Augustine to the Beaches and Clay County and everywhere in between!

Downtown

Give Your Kids The Edge FACT 1 – College education increases probability for employment: The unemployment rate for those that finish their education in high school is consistently about double the rate of those that go on and achieve their college degree (Source: Bureau of Labor Statistics).

FACT 2 – College education has a major impact on future income: Earnings of full-time workers who have a college degree continue to substantially outpace those with just a high school diploma. The average college graduate earns 67% more per year on average than a worker with only a high school diploma (Source: Bureau of Labor Statistics).

FACT 3 – College education costs are high and rising: Today, the minimum per year cost for a student attending a four-year, in-state university is about $20,000 per year. This cost includes in-state tuition, books, and room and board. It now takes an average of 5 years to graduate, with only about 40% graduating in four years. Here are the minimum costs of a college education based on five years to graduate and college costs rising at 5% per year: Now = $100,000

5 Years = $127,628 10 Years = $162,889 15 Years = $207,892

FACT 4 – You have options: A. Pay college costs out of ordinary income: Add 25% to 30% to cost for taxes. Some consider 529 plans or prepaid programs which may be less appealing if kids decide to forego college (check tax implications and what portion would be returned in this case).

B. Student works to pay part of costs: This could take longer to graduate with the higher possibility that the student will dropout.

C. Student loans: College graduate starts out in life deeply in debt.

D. Invest in a rental property that will be free and clear when it is time for college or perhaps another venture. Do this when your child is young, and finance the property using a 15-year loan. Check out the sizable equity created in a $200,000 rental property with a 20% down payment and a 15-year amortized loan at 5.0% (check with a Prosperity Home Mortgage Consultant for current rates): Equity Now

Equity in 5 Years

Equity in 10 Years

Equity in 15 Years

$40,000*

$80,708

$132,952

$200,000

$40,000**

$135,964

$258,731

$415,786

* Assumes no increase in property value ** Assumes 5% per year appreciation

Hire Florida Network Property Management to generate income from the property to contribute to the bottom line!

Florida Network PROPERTY MANAGEMENT

@2019 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity. Information not verified or guaranteed. If your home is currently listed with a Broker, this is not intended as a solicitation.

San Marco

World Golf Village

St. Augustine

Fleming Island

Give Your Kids The Edge

College education costs are high and rising. We recently revealed a strategy in connection with our mortgage and property management companies to help clients save for college education. The beauty of this program: It has the flexibility to be used for any type of future need – a college education for a child, an investment in a start-up, further development of a housing portfolio, etc. Visit Marketing Resource Center to share this e-card with clients.

Visit www.FloridaNetworkRealty.com/SocialMediaImages to post and share now!

Your September AutoFlow Lineup

Where the Locals Meet to Eat!

• eCard – Happy Labor Day!

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Arriving late September

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Compliments of REALTOR® 904.000.000

Give Your Kids The Edge

Americans Rank Real Estate As Best Investment for Six Years Running!

The unemployment rate for those that finish their education in high school is consistently about double the rate of those that go on and achieve their college degree (Source: Bureau of Labor Statistics).

FACT 2 – College education has a major impact on future income:

Earnings of full-time workers who have a college degree continue to substantially outpace those with a high school diploma. The average college graduate earns 67 percent more per year on average than a worker with a high school diploma (Source: Bureau of Labor Statistics).

FACT 3 – College education costs are high and rising: We are partnering with Today, the minimum per year cost for a student attending a four-year, in-state university is about European Cafe per year. This cost includes in-state tuition, books, and room and board. It now takes an FOLD Street$20,000 average of five years to graduate, with only about 40 percent graduating in four years. Here are to share this delicious the minimum costs of a college education based on five years to graduate and college costs offer with you! rising 5 percent per year: Now = $100,000

Your Office Address 5 Years = $127,628 10123 Years = $162,889 15 Years = $207,892

FACT 4 – You have options:

Your City, FL 00000

European Street Cafe has been a staple the out local A. Pay collegeincosts of ordinary income: Add 25 percent to 30 percent to cost for taxes.

Somefor consider 529 plans prepaid programs which may be less appealing if children decide community for over 30 years. And a limited time,oryou’re to forego college (check tax implications and what portion would be returned). invited to enjoy a FREE entrée when you purchase an entrée B. Student works to pay part of costs: This could take the student longer to graduate with the of equal or greater value with two drinks. higher possibility that they will dropout.

C. Student loans: College graduate starts out in life deeply in debt.

D. InvestI in a rental property that will be free and clear when it is time for college or perhaps As your trusted real estate advisor, am grateful to have another venture. Do this when your child is young, and finance the property using a 15-year clients like you! Connect with me today! loan. Check out the sizable equity created in a $200,000 rental property with a 20 percent down payment and a 15-year amortized loan at 5.0 percent (check with a Prosperity Home Mortgage Consultant for current rates): Equity Now

Equity in 5 Years

® Ashley Agent, REALTOR $40,000* $80,708 000.000.0000 Cell $40,000** $135,964 Email@FloridaNetworkRealty.com * Assumes no increase in property value ** Assumes 5% per year appreciation Website.com

Equity in 10 Years

Equity in 15 Years

$132,952

$200,000

$258,731

$415,786

Hire Florida Network Property Management to generate income from the rental investment property to contribute to the bottom line!

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Florida Network

A member of the franchise system of BHH Affiliates, LLC

PROPERTY MANAGEMENT

Team Kevin Waugaman REALTORS® 904.123.4567 TeamWaugaman@FloridaNetworkRealty.com Real Stock Estate Market TeamWaugaman.FloridaNetworkRealty.com

35% 27% 15%

To Invest Locally?

Take a moment to review Give Your Kids the Edge and please contact us for more details! The key is proper consideration and analysis of opportunities as not all investments make financial sense.

Our team stands ready to assist!

REAL ESTATE

Compliments of:

Savings Account

Insider

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The State of the H

MAILING ADDRESS Mr. and Mrs. John Doe 1234 Address Lane Jacksonville, Florida 31234

34% Visit: Interested in an in-depth valuation report?

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As your Trusted Real Estate Advisors, we take an interest in your current objectives and also consider your dreams for the future. Our company recently revealed a strategy in connection with our mortgage and property management companies to help clients save for college education.

The beauty of this program: It has the flexibility to be used for any type of future need – a college education for a child, an investment in a start-up, or further development of a housing portfolio, etc.

FOLD

L O C A L U P D AT E — N O R T H E A S T F L O R I D A

Ashley Agent

FACT 1 – College education increases probability for employment:

Team Kevin Waugaman REALTORS® 333 Village Main Street, Suite 670 Ponte Vedra Beach, Florida 32082 904.123.4567

The State of the Housing Market

MAILING ADDRESS

Interested in an in-depth valuation report? Visit: Valuations.FloridaNetworkRealty.com/KWaugaman

• Postcard – Featuring European Street Cafe • Regional Newsletter

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19%

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L O C A L U P D AT E — N O R

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14%

FACT 1 – College education increases probability for employment:

Some Highlights:

The unemployment rate for those that finish their education in high school is consistently about double the rate of those that go on and achieve their college degree (Source: Bureau of Labor Statistics).

Source: Gallup

Americans Rank Real Estate As Best Investment for Six Years Running!

3

Gold impact as the on best investment.

Real estate has outranked FACT stocks/mutual funds, gold, savings 2 – College education has a major future income:Even with home values in 2018 accounts/CDs and bonds Earnings as the of best long-term reported the highest on record, Americans expect home full-time workers investment who have a college degreeas continue to substantially outpace those with high school The come average college graduate earns 67 among Americans for the last sixa years.

Realdiploma.

Estate has prices to continue to percent rise. more per year on average than a worker with a high school diploma (Source: Bureau of Labor Statistics). a long way since 2011, when 34 percent of Americans favored

FACT 3 – College education costs are high and rising:

2019 Survey of Consumer Expectations (SCE) Housing Survey Today, the minimum per year cost for a student attending a four-year, in-state university is about

To Invest Locally?

As your Trusted Real Estate perrecently year. Thisreleased cost includes in-state tuition, books, and room and board. It now takes an The Federal (The Fed) its 2019 SCE FOLDReserve Bank $20,000 Advisors, we take an interest in average of five years to graduate, with only about 40 percent graduating in four years. Here are Housing Survey. The survey reported that 65 percent of Americans Percentage of and Americans 65 current objectives and also the minimum costs of a college education based on five years to graduate college costs 64.9 your believe home ownership is rising a good financial investment. Since 2014, 5 percent per year: who see Home Ownership consider your dreams for the the percentage has increased by over nine percent. 5The Fed’s survey 10 Years = $162,889 15 Years = $207,892 Now = $100,000 Years = $127,628 as a Good Investment future. Our company recently also showed that when the results are broken down by age, education, revealed a strategy in connection FACTmore 4 – You options:of Americans income, or region of the country, thanhave 55 percent with our mortgage and property A. Pay college costs out of ordinary income: Add 25 percent 60.3 to 30 percent to cost 60.4 for taxes. in each category see home ownership as a good investment. This Some consider 529 plans or prepaid programs which may be less appealing if children decide management companies to help 59.2 is in alignment with the recent to Gallup Americans (shownand what portion would be returned). foregosurvey college of (check tax implications clients save for college education.

B. Student works to pay part ofone costs: This could take the student longer to graduate with the above), which revealed that real estate was their number choice 55.7 The beauty of this program: It higher possibility that they will dropout. for the best long-term investment when compared to stocks, savings C. Student loans: College graduate starts out in life deeply in debt. has the flexibility to be used accounts or gold. Americans’ belief in residential real estate good D. Invest in a rental property thatas willabe free and clear when it is time for college or perhaps for any type of future need – a venture.

Do this when your child is young,2014 and finance the property a 15-year 2018 2015 2016 using2017 2019 financial investment continues toanother grow as the housing market returns college education for a child, loan. Check out the sizable equity created in a $200,000 rental property with a 20 percent Source: Keeping Current Matters to normalcy. down payment and a 15-year amortized loan at 5.0 percent (check with a Prosperity Home an investment in a start-up, or Mortgage Consultant for current rates): © 2019 BHH Affiliates, LLC. An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices further development of a housing symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity. Information not verified or guaranteed. If your home is currently listed with a Broker, this is not intended as a solicitation Equity Now Equity in 5 Years Equity in 10 Years Equity in 15 Years portfolio, etc.

FOLD

For more information about AutoFlow or to join, please contact: AutoFlow@FloridaNetworkRealty.com

Custom marketing? Please visit: www.AgentMarketingForm.com

$40,000*

$80,708

$132,952

$200,000

$40,000**

$135,964

$258,731

$415,786

* Assumes no increase in property value ** Assumes 5% per year appreciation

Hire Florida Network Property Management to generate income from the rental investment property to contribute to the bottom line!

Florida Network PROPERTY MANAGEMENT

Take a moment to review Give Your Kids the Edge and please contact us for more details! The key is proper consideration and analysis of opportunities as not all investments make financial sense.

Our team stands ready to assist!

17% 14

Some Highlights: Real estate has outranked stocks/mutual funds, gold, savings accounts/CDs and bonds as the best long-term investment among Americans for the last six years. Real Estate has come a long way since 2011, when 34 percent of Americans favored

Gol rep pric

2019 Survey of Consumer Expectations (SCE) Ho The Federal Reserve Bank (The Fed) recently released its 2019 SCE Housing Survey. The survey reported that 65 percent of Americans believe home ownership is a good financial investment. Since 2014, the percentage has increased by over nine percent. The Fed’s survey also showed that when the results are broken down by age, education, income, or region of the country, more than 55 percent of Americans in each category see home ownership as a good investment. This is in alignment with the recent Gallup survey of Americans (shown above), which revealed that real estate was their number one choice for the best long-term investment when compared to stocks, savings accounts or gold. Americans’ belief in residential real estate as a good financial investment continues to grow as the housing market returns to normalcy.

© 2019 BHH Affiliates, LLC. An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affilia symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity. Information no

FOLD

10

MONTH

Helpful

Tips

tech tip : Fly

High With Buyside Are you using Buyside and the MLS waiver on every listing, where appropriate? Did you know that properties listed with the MLS wavier and entered as a Buyside Waiver Listing are selling at 33 days on market vs. MLS which is at 65 days? Now that is a stat that will help you win listings and help everyone succeed faster!

And with Buyside Home Valuation component, are you following up with the registrations? Once you verify the property isn’t listed on MLS send a note thanking them for visiting your site. Then, offer a complimentary in-home consultation and more in-depth analysis. Consider adding the prospect to your follow-up program and check in with them along the way - future listings opportunity!

safety tip : 10 Second

Rule

inattention is one of the main reasons people find themselves in dangerous situations. take a few precious seconds during your day to assess your surroundings.

TAKE 2 SECONDS when you arrive at your destination.

• Is there any questionable activity in the area?

• Are you parked in a well-lit, visible location?

• Can you be blocked in the driveway by a prospect’s vehicle?

TAKE 2 SECONDS after you step out of your car.

• Are there suspicious people around?

• Do you know exactly where you’re going?

TAKE 2 SECONDS at the door.

• Do you have an uneasy feeling as you’re walking in?

• Is someone following you?

TAKE 2 SECONDS as soon as you enter your destination.

• Does anything seem out of place?

• Is anyone present who shouldn’t be there or who isn’t expected?

TAKE 2 SECONDS as you walk towards your destination.

• Are people coming and going or is the area unusually quiet?

• Do you observe any obstacles or hiding places in the parking lot or along the street?

• Is anyone loitering in the area?

10 SECONDS TOTAL.

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Taking in your surroundings lets you spot and avoid danger. Make it a habit.

Then share it with someone else.

Š 2019 BHH Affiliates, LLC. An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.Ž Equal Housing Opportunity. Information not verified or guaranteed. If your home is currently listed with a Broker, this is not intended as a solicitation.