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What You Can Do to Improve Your Credit

by Kijner & Sons International Realty

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following: 


1. Check for and correct any errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.

2. Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.

3. Don’t charge your credit cards to the maximum limit.

4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.

5. Don’t order items for your new home on credit — such as appliances and furniture — until after the loan is approved. The amounts will add to your debt.

6. Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.

7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.

8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.

Looking to purchase a new property in Miami or Saraosta, Florida? Contact Kijner & Sons International Realty at info@kijner.com

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Source:

The National Association of Realtors® (NAR)

This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, Knowing and Understanding Your Credit, visit www.homebuyingguide.org.

Investing in Boutique Hotels

by Kijner & Sons International Realty

In recent years, international businessmen and groups have turned to a new type of real estate investment: the Boutique Hotels.

Boutique Hotels offer highly personalized services to their demanding and sophisticated clientele, a state-of-the art environment as well as unique amenities. Because they are generally smaller than typical hotels, they can offer customized travel accommodations and adapt their offer to specific lifestyles, making their guests feel "at home" when traveling abroad. 

Kijner & Sons International Realty gives you the main reasons why you should consider investing in a Boutique Hotel:

> Tourism is a major economic drive and represents a solid percentage of a country's GDP. For example, Tourism revenues for Thailand are on the rise and contributing to about 6% of the country's GDP (1) while the tourism industry in Costa Rica accounts for $2.2 billion per year, making it the most visited nation in the Central American region, with two million foreign visitors in 2008 (2). As for Florida, one of the world first tourism destinations, preliminary estimates for the second quarter of 2011 show an estimated 21.2 million travelers visited the Sunshine State, a 6.9% increase from the same period in 2010 (3)

> The emergence of a new wealthy middle class from developing countries such as Brazil, Russia, India and China (BRIC). According to a recent survey published during the 2010 World Trade Market Show in London, nationals of the BRIC zone were the leaders in worldwide tourism. They are eager to spend their money abroad and travel for leisure to distant countries (4). Indeed, "Chinese nationals spent more than US$15 billion on tourism abroad in 2002, and US$19.1 billion in 2004"(5). As pointed out in a recent article by the Adventure Travel Trade Association, "The number of tourists from China grew nearly 33 percent during the first quarter of 2011, compared to the same period last year, according to the U.S. Department of Commerce. By 2015, the number of Chinese visitors is expected to reach 2,350,000 per year"(6).

> There is a growing overall demand for Boutique Hotels as travelers are looking for more tailored services whether they are going on a vacation or business trip. Traveling is more and more seen as an experience and a lifestyle where discovering a new country and its culture starts with the hotel, people are staying at. It is thus crucial for hotel owners to set their hotel apart as potential guests have a handful of possible accommodations to choose from nowadays, especially with the many Internet offers available daily. Discerning travelers will choose their hotel based on a variety of criteria that go beyond its location and the size of the room. Owners of Boutique Hotels have to be trendsetters and offer their guests the unexpected. For example, they will get a famous French or Italian fashion designer involved in the construction of the hotel (some even ask for each bedroom to be uniquely designed, adding different features and amenities), set a "theme" to cater to a specific clientele and its hobbies, thus offering services and activities based accordingly, hire a renown chef for the hotel's restaurant, add a fancy spa, a golf practice, a dance studio or a library, offer concierge services that go beyond the usual and expected...

> Boutique Hotels provide investors with good rate of return as they usually target wealthier travelers who are willing to pay to get luxury amenities and a customized experience. 

> Because of their usually smaller size and "lighter" management structure, operating costs of Boutique Hotels tend to be less than those of larger chain hotels. Some Boutique Hotels are family-run businesses, with local staff and using local products whether being for the rooms, the spa or the restaurant. 

Looking to invest in Boutique Hotels in Thailand or in Costa Rica? Here are some of our current listings:

Beach Front Boutique Hotel 
Koh Phangan, Thailand
$4,362,411

           

Beach & Casino Hotel
Pacific Coast, Costa Rica
$13,000,000

           

Hotel and Restaurant
Playa Nosara, Costa Rica
$3,500,000

Hotel, Restaurant & Lake
San Vito, Costa Rica
$1,200,000


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For more information on commercial real estate opportunities in Florida, Costa Rica or Thailand, contact us at info@kijner.com.

To preview some of our current Boutique Hotels for sale in Thailand and Costa Rica, click here

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Sources

(1) http://en.wikipedia.org/wiki/Economy_of_Thailand

(2) http://en.wikipedia.org/wiki/Costa_Rica

(3) http://media.visitflorida.org/news/news.php?id=204

(4) http://fr.rian.ru/world/20101108/187811496.html

(5) http://en.wikipedia.org/wiki/Tourism_in_China

(6) http://www.adventuretravelnews.com/china-travel-trade-barometer-guides-u-s-travel-pros-to-chinese-market

 

August 2011 Housing Trends eNewsletter

by Kijner & Sons International Realty

We are pleased to share with you the August 2011 Housing Trends eNewsletter. Just click on the following link: http://DKijner.housingtrendsenewsletter.com.

This eNewsletter is filled with local and national real estate and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, consumer videos, blogs, real estate glossary, mortgage rates and calculators, consumers articles, and REALTORS.com local community reports.

Budget Basics Worksheet

by Kijner & Sons International Realty

The first step in getting yourself in financial shape to buy a home in Sarasota or Miami Florida is to know exactly how much money comes in and how much goes out. Use this worksheet to list your income and expenses below.

INCOME

 

Take Home Pay (all family members)

 

Child Support/Alimony

 

Pension/Social Security

 

Disability/Other Insurance

 

Interest/Dividends

 

Other

 

Total Income

 

 

EXPENSES

 

Rent/Mortgage (include taxes, principal, and insurance)

 

Life Insurance

 

Health/Disability Insurance

 

Vehicle Insurance

 

Homeowner’s or Other Insurance

 

Car Payments

 

Other Loan Payments

 

Savings/Pension Contribution

 

Utilities (gas, water, electric, phone)

 

Credit Card Payments

 

Car Upkeep (gas, maintenance, etc.)

 

Clothing

 

Personal Care Products (shampoo, cologne, etc.)

 

Groceries

 

Food Outside the Home (restaurant meals and carryout)

 

Medical/Dental/Prescriptions

 

Household Goods (hardware, lawn, and garden)

 

Recreation/Entertainment

 

Child Care

 

Education (continuing education, classes, etc.)

 

Charitable Donations

 

Miscellaneous

 

Total Expenses  

 

Remaining Income After Expenses

(Subtract Total Income from Total Expenses)

 


Looking to invest in or move to Florida? Contact Kijner & Sons International Realty at info@kijner.com

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Source: The National Association of Realtors® (NAR)

Great Real Estate Apps

by Kijner & Sons International Realty

Kijner & Sons International Realty would like to share with you this little video which presents two really useful real estate apps. If you are looking to move to a new neighborhood and want to learn more about local public or private schools in your area, then GreatSchools.org is for you. If you would like to redecorate your house, then check Houzz.com for the latest home design, decorating and remodeling ideas. Whether you are considering moving to Sarasota or Miami Florida, these apps will surely help you find the perfect home and ease the homebuying process. 

For more information on properties for sale in the Sarasota or Miami Florida area, just click here

 

 

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Source: The Ticker Show

Sarasota Real Estate Market: Sales Moderate in July 2011; Inventory Continues to Drop

by Kijner & Sons International Realty

Kijner & Sons International Realty is pleased to announce that according to the Sarasota Association of Realtors® (SAR), a total of 599 properties were sold in July 2011 in the Sarasota, Florida area, a 14.3% increase from July 2010 with 525 sales. There were 445 single family homes and 154 condos sold this past month with respective median sales prices of $169,900 and $145,000. As for pending sales, they rose to 799 last month.  

To read the full July 2011 SAR Report and get all the statistics, please click here

To learn more about real estate opportunities in the Sarasota area, contact us at info@kijner.com.

How High Tech Home is Your Home?

by Kijner & Sons International Realty


If the latest technology or entertainment options are important in your new home in Miami or Sarasota Florida, add the following questions to your buyer’s checklist.

1. Are there enough jacks in every room for cable TV and high-speed Internet hookups?

2. Are there ample telephone extensions or jacks?

3. Is the home pre-wired for home theater or multiroom audio and video? Does it have in-wall speakers?

4. Does the home have a local area network (LAN) for linking computers?

5. Does the home already have wiring for DSL or another high-speed Internet connection?

6. Does the home have multizoning heating and cooling controls with programmable thermostats?

7. Does the home have multiroom lighting controls, window-covering controls, or other home automation features?

8. Is the home wired with multipurpose in-wall wiring that allows for reconfigurations to update services as technology changes?

To rate the home on its technological sophistication, fill out the Consumer Electronics Association’s TechHome checklist at www.ce.org/techhomerating

For more information on purchasing a property in Florida, contact Kijner & Sons International Realty. To receive regularly all Sarasota and Miami listings, subscribe to our free email alerts:

> For Sarasota, Florida, click here.
> For Miami, Florida, click here

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Source:

The National Association of Realtors® (NAR)

New!

by Kijner & Sons International Realty

Kijner & Sons International Realty is now featured on www.site-thailande.com, a new search engine and web directory for websites about Thailand in French.


New!

by Kijner & Sons International Realty

To all smartphone users out there!  

We have a cool new app for download on our home page. Just visit www.kijner.com to get Sarasota and Miami Florida listings on your mobile phone.

Real Estate and finding your dream home in Florida has never been easier! 


We want your opinion!

by Kijner & Sons International Realty

Kijner & Sons International Realty would like to know your opinion: How do you see Real Estate as an investment option?

To answer this survey, just go on our Facebook page: http://www.facebook.com/KSIRealty.

Thank you!


Displaying blog entries 1-10 of 14

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