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NOVEMBER 2019 Your home: Practicality Counts More Than Status Stay Awhile - Short-term rentals grow popular, but so do scams List of top 10 Moving Choices Taking Control To Buy or Not to Buy Millennials Face Issues When it Comes to Homeownership

ON THE COVER: Dredge Lakes Road Home | Offered by Karen Wright of Southeast Alaska Real Estate

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MONEY

Your home: Practicality counts more than status

Table of Contents

ON THE COVER:

Dredge Lakes Road Home | Offered

by Karen Wright of Southeast Alaska Real Estate

2 Coldwell Banker: Gwen Place 6 Business Directory • Ricker Real Estate • Alaska USA Mortgage: Mac Carandang • Coldwell Banker: Race Realty

7 Alaska USA Mortgage 8 Exit Realty of Juneau 12 Southeast Alaska Real Estate: Karen Wright

BY MARILYN KENNEDY MELIA CTW FEATURES

I

f a silver lining can be found from the foreclosure crisis last decade, it’s that many learned that a home isn’t right for them unless they can comfortably afford it.

The McMansion era, when buyers bought big because a man’s home is his castle, his statement to the world, is so over, right?

Not quite.

A recent survey conducted by Bankrate. com found that 12 percent of the 2,700 American adults surveyed said they felt pressured to spend more than they were comfortable with in order to appear successful in the eyes of others.

Indeed, an unscientific poll we conducted shows that we make judgments about people based upon the value of their home.

“It’s pretty taboo to ask someone how much money they make, but when you know

their address you can get a little bit of a peek into their finances and get an idea of how much money they make,” shares Matt Casady, shares Matt Casady, marketing manager for STOR-N-LOK. The Internet also generates pressure to keep up appearances. “Millennials are about 3.5 times as likely as older adults to feel pressure to overspend due to social media,” shares Ted Rossman, Bankrate. com spokesperson. “Don’t pay too much for a house because of Instagram or Pintrest,” he warns.

giving people psychological permission to consider buying and perhaps stretching their budgets.”

12 percent of the 2,700 American adults surveyed said they felt pressured to spend more than they were comfortable with in order to appear successful in the eyes of others.

Agrees Kit Yarrow, consumer psychologist with Golden Gate University: “Social media and the popularity of home-related programming have played a strong role in

“Today we just get part of the story when we learn through what we see on social media,” she adds.

Yes, it’s human nature to be proud of your home, but if people are “thinking more about what someone else will think of their purchase than what they think about it, they are buying for approval or status.”

Luckily, “just recognizing this tendency should be enough to manage the urge to overspend,” Yarrow concludes.

Publisher/Vice President, Sound Publishing, Inc. Terry Ward tward@soundpublishing.com

Managing Editor Emily Miller

emily.miller@juneauempire.com

General Manager Robert Monteith

rmonteith@juneauempire.com

Publication Design Bryon Kempf, Elizabeth Leon-Guerrero

3100 Channel Drive Juneau, AK 99801 Phone: 907-586-3740 Fax: 907-586-9097

© CTW FEATURES

JUNEAUEMPIRE.COM

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TIPS & TRICKS

Stay awhile

Short-term rentals grow popular, but so do scams

One impetus for the growth is that corporate housing rentals, traditionally geared to executives on temporary assignmericans are moving less ment, are now listed on sites like AirBnB frequently, but and Booking.com, and moving around awareness of “alternatives Baby Boomers are more. to hotels” has grown along with the popularity of testing locations Although stats comthese platforms, says Lee. piled by data firm First

BY MARILYN KENNEDY MELIA CTW FEATURES

A

4

American show that home buyers stay 7.5 years before moving again – up substantially from a decade ago -- the “corporate housing” business has more than doubled in revenue in the same time frame, says Lee Curtis, current chairman of the Corporate Housing Providers Association.

JUNEAUEMPIRE.COM

they’re considering retiring to, and business travelers are more apt to wrap a vacation around an out-oftown assignment.

Baby Boomers are testing locations they’re considering retiring to, and business travelers are more apt to wrap a vacation around an out-of-town assignment. Moreover, “each year there are 1.5 to 2 million interns that U.S. corporations hire temporarily,” says Lee, “they all

need somewhere to stay.”

Corporate housing firms, which own and manage furnished apartments, have branched out of their traditional role of offering relatively luxurious quarters to also providing spaces in college dorms and co-living apartment buildings where renters share common spaces like kitchens.

if a sublet advertised on a widely used platform like Craigslist is offered for relative bargain be suspicious

Of course, individuals have long “sublet” their apartment when they plan to be away for a period. And some landlords may directly lease units for a temporary stay, but a higher cost than yearly, says Stephanie Anderson of the National Apartment Association.

But if a sublet advertised on a widely used platform like Craigslist is offered for relative bargain be suspicious, warns Anderson.

Some 1600 complaints have been filed with the Federal Trade Commission involving sublet scams whereby a unit is offered by someone who doesn’t actually rent it and asks for money to be quickly wired to reserve it.

With legitimate sublets, renters should still be required to apply with the management leasing office, says Anderson. © CTW FEATURES

RELOCATION DESTINATIONS

Thinking of moving and starting fresh?

Here is a list of top 10 moving choices

BY ERIK J. MARTIN CTW FEATURES

P

lenty of people get the urge to pull up their roots and replant on fresh soil sooner or later. Relocating nearby is often a popular option in order to remain close to work, family and familiars. But it’s often worthwhile to look far outside of your comfort zone, which may yield more affordable housing options or an exciting chance to start fresh in a desirable new location.

Thinking about moving and curious to learn where most movers are headed nowadays? The top 10 relocation destinations, according to recent data from Realtor.com, are: Charleston, South Carolina Boise City, Idaho Urban Honolulu, Hawaii Columbia, South Carolina Cape Coral-Fort Meyers, Florida Portland, Maine North-Port Sarasota, Florida Greenville, South Carolina Tucson, Arizona Las Vegas, Nevada George Ratiu, senior economist for Realtor.com in Santa Clara, California, says many of these top 10 metros aren’t surprising.

“These cities where movers are looking for a next home are attractive destinations, with well-rounded amenities and lifestyle options,” he says. “The metros are diversified economically and attractive to different types of homebuyers, including retirees, vacationers, and even young professionals looking to relocate. Each of these cities has something to offer to these different demographics and the different lifestyles they seek.”

Ratiu notes that, in seven of the 10 markets, non-local buyers are looking at homes with median prices that are 3 to 34 percent less expensive than in their own local markets.

“The price discount here does not make these markets necessarily inexpensive; in fact, they are priced 16 percent higher than the national median of $315,000,” he adds. “This points to the fact that movers are looking for a well-rounded destination and are willing to pay a premium as long as it is more affordable than their initial market.”

Rebecca Green, a Portland, Oregonbased real estate broker with the Hasson Company, says many people desire to move today because they crave affordability and/or a lifestyle change.

“Having been in real estate for almost 30 years, I’ve seen many shifts. One of the biggest changes today, in comparison to 25 years ago, is that buyers name ‘lifestyle’ as one of their highest priorities,” says Green. “Although a lot of buyers are seeking bigger, better jobs, more than anything else, lifestyle is really a driving factor for many. Housing affordability is another, which is something many of the markets on the list offer. Renters, for example, are willing to move to a more economical, financially viable city to get on

that property ownership ladder.”

Ratiu agrees that the job market is a crucial determination for movers.

“The top mover metros on our list have an average unemployment rate of 3.3 percent, which is 30 basis points lower than the national average and 38 basis points below what out-of-state buyers encounter in their home metros,” he says. “Also, eight of these 10 metros are located in states that have lower overall tax burdens compared to the national average of 8.6 percent, making the financial benefits of these metros even more enticing.”

The 10 aforementioned cities also share another common trait: good weather and access to the outdoors.

“Many of these markets have sunny or moderate climates. It used to be that older generations were seeking this, but I believe weather or the perception of good weather in some markets make them more desirable to all kinds of buyers,” explains Green.

move, count on doing extensive homework.

“I would research a 20-year trend cycle to make sure there is solid growth in equity being accrued in homes within that market,” says Michael Oliveira, Realtor with Keller Williams in Nashville. “I would also look at neighborhood schools and crime information. A lot of people moved to an area without knowing neighborhoods on a micro level.”

Additionally, consider what your actual cost of living will be, “and research the area to determine what kind of quality of life your disposable income will give you,” says Ratiu. “Spend time researching neighborhoods, commute patterns, and lifestyle options. Chat with a local real estate professional, and try to spend a good amount of time in the area to experience the climate, geography, social networks, and housing regulations well ahead of time.” © CTW FEATURES

Before committing to a long-distance JUNEAUEMPIRE.COM

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Why choose Alaska USA Mortgage Company? » Pay less up-front » In-house processing, underwriting, and servicing » Clear communication, reliable updates, and flexible availability » A commitment to providing the best home buying experience in Alaska

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ASK OUR BROKER

Taking control PETER G. MILLER CTW FEATURES

QUESTION: We have a home with a $300,000 loan balance at 3.875%.

Because it’s VA, we have to go through an escrow company for taxes and insurance. Our payment amount includes extra for a reserve. My question is when does it make sense to refinance so I can eliminate escrow and control my own payments?

ANSWER: A monthly mortgage

payment generally consists of two parts. First, there are the principal and interest payments related to the loan.

Then, there can be additional costs for the escrow account – sometimes called an “impound” account -- for such things as property taxes and homeowners insurance.

If you have a fixed-rate mortgage you know the monthly cost for principal and

MIKE BAN

ASSOCIATE BROKER 209-6842 MIKE BAN mikebanatexitrealty@gmail.com Associate Broker

interest. They are fixed for the life of the loan.

Escrow charges can vary.

Property taxes, for example, can go up. The same with insurance and other expenses.

you will need at least 20 percent equity when you buy or refinance. With 20 percent equity lenders will not require the use of an escrow account, though many borrowers want one. You are directly responsible for making tax and insurance payments if the lender does not maintain an escrow account

The amount that can be collected in escrow charges is limited. In basic terms, the maximum amount that an escrow account can hold is equal to 12 months of payments, a two-month cushion, and not more than $50. You must receive an annual statement showing escrow activity. If more than $50 in excess funds are in the account the extra money must be returned to you.

If you want to avoid an escrow account

The bottom line is this: whether the money is put in an escrow account or you collect it yourself there are required payments associated with homeownership. If those payments are late or not made there can be serious consequences. An escrow account is very simply an enforced type of savings.

It assures required payments can be made. While one can argue that making payments yourself and collecting interest is beneficial, the reality is that interest rates today are so low that it’s hardly worth the effort. If the idea is to invest in stocks and bonds there is the

JANET JANET ARGEVITCH ARGEVITCH

MARTY LENTZ

ASSOCIATE BROKER 723-9333 Associate Broker ja@alaskan.com

321-3325 Marty-lentz@gci.net

MARTY LENTZ

72-9333

209-6842 mikebanatexitrealty@gmail.com

321-3325

very real possibility that investment values might decline and therefore the money for required payments won’t be there.

Given the pros and cons associated with escrow accounts it’s likely that you’re best served by having the money collected each month by the lender.

It’s easy, cheap and ends worries that required tax, insurance and other payments won’t be made.

Email your real estate questions for Mr. Miller to peter@ctwfeatures.com.

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957-5522 MICHELLE DOMINGO Michelle.juneau80@yahoo.com 957-5522

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SARAH HINES ASSOCIATE BROKER

ASSOCIATE BROKER 723-7381 Shines@gci.net 723-7381

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SMART STEPS

In the market for a new home?

Start the process on the right foot insight about a home’s features and flaws that’s not available online,” says Akason.

In fact, online data on current list prices and recent sale amounts can actually mislead buyers since the Internet doesn’t capture certain information, like whether a kitchen has new appliances or if a home shows signs of past water damage.

The National Association of Realtors’ {NAR} latest study shows that most buyers do use an agent, but that 75 percent don’t consider more than one agent to represent them.

Akason suggests interviewing a few, asking questions like:

Smart buyers seek out skilled real estate agents

BY ERIK J. MARTIN CTW FEATURES

H

ome buyers spend more and more of their search time online, scanning listings and real estate sites.

“But the human factor – namely a skilled agent -- still provides value,” says Denise Akason, adjunct lecturer at the real estate center, Kellogg School of Management, Northwestern University.

“For one thing, agents can provide

Do you regularly view brokers’ opens on properties I’m likely to be interested in?

Only agents are able to tour homes in “brokers’ opens,” which occur right when a property is listed. By regularly visiting these opens, agents might find homes that don’t look appealing online but are worth seeing in person.

Could you tell me about instances when you’ve pointed out a feature that a buyer might not realize is important?

Subtleties, like a basement washing machine on blocks usually indicates past flooding, but are unlikely to be noticed by a buyer.

Can I contact past buyers you’ve worked with?

The NAR 2018 Profile of Home Buyers and Sellers found that 56 percent of buyers ranked “finding the right property” as the most difficult step in purchasing. Another 20 percent said the “paperwork” was the most difficult step, followed by 16 percent who thought “understanding the process” was where they needed help the most.

If past clients say an agent was effective in helping them through the difficulties, it’s more likely they’ll help you. © CTW FEATURES

11% The percentage of home buyers in 2019 who were younger millennials (1990-98).

Source: National Association of Realtors, 2019 © CTW FEATURES

9 JUNEAUEMPIRE.COM

TIPS & TRICKS

To buy or not to buy?

Millennials face issues when it comes to homeownership finance at Cal State Fullerton, insists that homeownership for multitudes of millennials is realistic without the long wait, provided they adopt a different mindset.

“They need more education on mortgages and personal finance in general. They need to better understand the benefits and costs of being a homeowner, including the ability to build personal wealth by owning real estate,” says Xie. “They also need to form better financial habits like saving responsibly and not overspending.”

Ali Wolf, director of economic research for Costa Mesa, California-headquartered Meyers Research, seconds that advice.

BY ERIK J. MARTIN CTW FEATURES

I

f you’re a twenty- or thirtysomething and yearn to reach the homeownership summit, you probably face a tall climb—one that’s steeper than that scaled by previous generations. That’s a forecast supported by hard facts but also skewed by misinformed perceptions among millennials, many of whom mistakenly believe that buying and owning is far out of their reach.

10

Consider the results of two recent polls.

Per an 1800Contacts survey, more than four in five millennials who want to own a home fear they will have more difficulty buying than earlier generations, and only 48 percent desire to own versus 70 percent of Gen Z, their younger rivals.

Meanwhile, a LendEDU report reveals that 29 percent believe it will take six to 20 years to become a homeowner, 55 percent felt a lack of knowledge about mortgages JUNEAUEMPIRE.COM

and homeownership was preventing them from owning, and half admitted that lack of savings or low income was blocking their path to owning.

Truth is, it’s hard for many millennials to afford a home nowadays. But with the right planning and financial habits, they can eventually overcome these obstacles, the pros concur.

“Many are still paying off massive school debt and finishing up higher education,” says Dean Sklar, an agent with The Sklar Team Coldwell Banker Residential Real Estate Florida in Weston, Florida.

“Plenty of them are also getting a later start in their careers, pursuing nontraditional careers, and earning their income as multiple job holders, freelancers, and self-employed entrepreneurs—a trend that many mortgage lenders are slow to understand that can prevent them from qualifying for a loan.”

Remember, as well, that lots of Gen Yers

were also rattled by the experience of the Great Recession, when many jobs and homes were lost, forcing many to boomerang back home with mom and dad or trust in renting vs. owning.

Add to these factors “higher home prices and a cost of living that is much higher than it was for earlier generations,” Sklar says.

“The median U.S. salaries for ages 30 and 35 are around $42,000 and $50,000 a year, respectively. At these rates, it’s nearly impossible to save the recommended 20 percent down payment in cities where the entry level home or condo can cost a lot more,” notes Stephanie Bousley, a Los Angeles-based financial consultant and author. “Most millennials who are heavily in debt or having financial difficulty don’t allow themselves to think about homeownership because it seems so unattainable and depressing.”

But Jia Xie, assistant professor of

“Run the payment calculator of renting versus buying long-term. A lot of millennials see a home price of $300,000 and have no idea what that means as a monthly payment. They may be surprised to learn that, even with high home prices, lower mortgage rates could tip the equation in your favor, creating a reasonable mortgage payment relative to rents,” says Wolf. “And millennials need to know that there are special programs that can help as well as loans that don’t require 20 percent down.”

In fact, loans and resources offered by the FHA, Freddie Mac, Fannie Mae, VA, USDA, and HUD can get you in the door for 3.5 percent down or less, if you’re eligible (visit downpaymentresource.com for help).

Lastly, “don’t go this route alone. Enlist the help of an experienced real estate agent and a good financial planner, who can educate you on what price range of homes and interest rate is appropriate for your budget and the down payment you can expect,” suggests Crystal Kessler, associate wealth manager with Financial Sense Wealth Management in San Diego.

© CTW FEATURES

RECIPE OF THE MONTH

Bloody Mary Pot Roast

RECIPE AND PHOTO BY STACI

INGREDIENTS

FOODISTA.COM

2 Tbsp. olive oil 1 3–4 lb. boneless beef roast, seasoned with salt and black pepper 1⁄2 cup low-sodium beef broth 1 bottle bloody mary mix (reg or spicy use 12-15 oz. NOT the whole bottle!)

1 Tbsp. prepared horseradish 1⁄4 tsp. celery seed 1 bay leaf 2 leeks, sliced 3 ribs celery, sliced into 2-inch pieces 1 rutabaga, cut into 2-inch chunks (1 lb.)

1⁄2 green bell pepper, chopped 1⁄4 cup cold water 1⁄4 cup all-purpose flour 2 Tbsp. chopped parsley 2 Tbsp. vodka (optional) 1 tsp. red wine vinegar Hot pepper sauce, salt, and black pepper to taste Celery leaves (optional)

PREPARATION 1 Heat oil in a sauté pan. Brown roast on all sides in hot oil over medium-high, about 12 minutes total. Remove roast from pan; place meat in a 5- to 6-quart slow cooker.

2 Deglaze pan with broth, scraping up brown bits. Stir in vegetable juice, horseradish, celery seed, and bay leaf. Pour mixture into slow cooker.

6 Stir cold water into flour. Stir flour mixture into juices in saucepan; cook over medium heat until gravy is thickened, 2 minutes. Stir parsley, vodka, and vinegar into gravy in saucepan. Season gravy with hot pepper sauce, salt, and pepper.

7 Serve gravy over pot roast and vegetables. Garnish each serving with celery leaves.

3 Arrange leeks, celery, rutabaga, and bell pepper on top of meat.

Cover slow cooker; cook until meat and vegetables are tender — on high-heat setting for 4-5 hours, or on low-heat setting for 9-10 hours.

4 Using a slotted spoon, remove meat and vegetables to a serving platter; cover and keep food warm.

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5 Transfer juices from slow cooker to a large saucepan. Skim off fat.

JUNEAUEMPIRE.COM

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“

% OF ALL

MILLIONAIRES

become so through owning

REAL ESTATE. Andrew Carnegie

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