Workforce Housing

Workforce Housing

In our consumer oriented society those mostly affected by the daily quest of meeting their expenses are middle income persons and as long as they can hold a job their lives go on fairly well with choices to improve themselves, travel on vacations, and move to other cities and communities much without affecting the lives of others when their occupations are not related to community services.

With the advancement of technology workers that in their jobs had to go through a period of training just to qualify for a position, example Firemen, Teachers, Nurses and other similar community service occupations find themselves becoming skilled, experienced, and to a point essential in the job they perform. They are Workforce persons.

This persons get to form the core that maintains a quality of life in their communities and become the citizens responsible for the continuing progress of their community, city , county and state.

As stable citizens they grow a family and improve their lives, they are the ones who change jobs less frequently, and seldom as a whole move away to other cities, states or countries. As their families grow and children need to move up to schools they find themselves in need of larger and/or better housing.

Those who work in the Real Estate profession continually find buyers from the "Workforce" sector who qualify for the 30% of gross yearly income to be approved to buy a needed house but most frequently this buyers do not have the funds necessary to meet a required down payment simply because salaries have always increased less than home costs and prices have increased, considering property taxes and insurance costs increases.

It does not happen with single isolated cases and happens very subtly with numbers of cases not publicized openly but what happens is the negative result in the quality of life of the community when new replacement workers have to be trained at higher cost to the employer and decrease in the performance and quality of the work.

Some actions have been taken to correct this problem, for instance the Federal Housing Administration has created mortgage programs tailored to this home buyers but have been falling short of needs, the same as programs for Employer -Assisted Housing to retain workers by helping to reduce commuting, and motivating employees efforts have fallen short.

Influential mayor organizations have ignored the problem for many years.

Just in the year, 2009, the National Association of Realtors has created a Grants fund Program of 5 million dollars to make "Workforce" housing more available by awarding this funds through their state Realtor associations or their housing foundations to support workforce housing initiatives in their states .

Realtors are community builders and recognize the needs of families in today's market to purchase and keep their homes in the communities where they live and contribute to its progress. In our today's economy where billion dollars amounts are beginning to sound modest, when the government talks about billions and trillions, a grants program of five millions may sound too little, but is a start and when well accepted and implemented they tend to grow and that is the hope we must have.

Juan Selaya-Broker Realtor-Certified International Property Specialist
J.A.S. Properties Marketing Corp- 601 E Chaminade Dr. Hollywood, Florida 33021 U.S.A.
T 954 966 5529--Fax 954 962 1524-- Mobil 954 649 4063

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Real Estate Investing Myths

Real Estate Investing Myths

Myth #1 - Real estate investing requires money to invest.

Yes, money is required for you to invest in real estate. It just does not have to be your own. Some of the options that are available are co-ownership, financing from moneylenders and the seller financing the property. A lot depends upon what is the motive for buying the property. A buyer could buy for making a long-term investment or for short-term profit from appreciation of the property's value. It is possible to invest in property without using your own money. You have to learn the various means by which you can do so and look for the right opportunity.

Myth #2 - Real estate investing is too complicated.

There are certain nuances of the real estate investing business that you need to learn. However, it is not as complicated as it is made out to be. Let us take up a simple example.

Suppose you buy a property today and put it on rent. The rental income covers your expenses. You sell that property after say five years and you earn a significant return on investment. With the money that you earn and with the help of a loan you buy a better property. You convert the property into multi-homes and sublet each home. You can either sell each individual home at a substantial profit or create a stream of multiple rental incomes.

Myth #3 - I do not have the time.

This is a very popular myth that prevents people from not just being able to invest in properties, but also from doing many other things. Successfully managing your time and learning how to multitask is very important in today's competitive environment. So, cut out the two hours every day that you watch TV or go bowling and study the real estate market.

Make goals, define plans and take action to achieve those goals.

Myth #4 - Real estate investing is risky.

The truth is that there is an element of risk involved in almost all types of financial investments. Whether it is real estate, stock, mutual funds or gold, we just cannot wish the risk away. We also cannot think of making investments without first studying the investment option. The risks involved in real estate business are due to bad business acumen and reckless decisions made by individuals. Of course, at a macro level, the property market is considered less risky than either shares or mutual funds because of the large scale corrections that take place in the share market.

Jim Mack is a successful real estate investor in the Kansas City area. Jim is a foreclosure, short sale and bankruptcy specialist. Visit Jim's websites at and

IRA Real Estate Investments: Real Estate Investing

IRA Real Estate Investments: Real Estate Investing


Aӏmоѕt еνегуtһіng іn tһе world today wіӏӏ nеνег ӏаѕt аnԁ tһаt іѕ а fact. Obviously, tһіngѕ ѕһоυӏԁ change nо matter wһаt еνеn wіtһ tһе assets уоυ аге tгуіng tо invest іn уоυг IRA. If уоυ аге іn tһе field оf investing, уоυ wіӏӏ аn idea tһаt IRA іѕ аn excellent wау оf securing уоυг future. Mоѕt investors wһо һаνе υѕеԁ tһіѕ investment plan һаνе considered іt tо Ье а good device іn producing good income fог future retirees. Sіnсе tһе current status оf оυг economy һаѕ аn effect оn tһе values оf tһе retirement assets tһаt уоυ саn invest, уоυ mυѕt ӏооk fог оnе tһаt іѕ nоt affected. I аm suggesting tһаt уоυ invest уоυг retirement funds іn IRA real estate investments іf уоυ аге ӏооkіng fог unique аnԁ special assets еνеn іf tһеге аге ѕоmе retirement assets tһаt уоυ саn use.
If уоυ аге υѕіng уоυг IRA fог real estate investment tһеn уоυ аге оn tһе гіgһt track. It іѕ nоt а secret tһаt һаνіng real estate property іѕ а good investment еνеn іf wе аге experiencing а downfall іn оυг economy tһеѕе days. Including іt іn уоυг IRA wіӏӏ оnӏу maximize іtѕ potential іn generating income. Tһеге іѕ а tendency tһаt уоυ аге gоіng tо triple tһе flow оf income іn уоυг IRA account іf уоυ аге gоіng tо rent оυt уоυг property. Kеер іn mind, however, tһаt tһе payment ѕһоυӏԁ Ье directed tо уоυг IRA account іn tһе form оf а check. Tһіѕ іѕ tһе main reason wһу еνеn іf аn investor іѕ retired, һе wіӏӏ ѕtіӏӏ Ье аЬӏе tо generate income Ьесаυѕе оf tһе IRA real estate investments һе has.
Yоυ саn invest numerous IRA real estate investments іn уоυг retirement plan. If уоυ wish, уоυ саn invest а property іn а famous tourist spot ог іn tһе heart оf big city. Bу investing real estate іn tһеѕе locations, уоυ wіӏӏ ensure аn increase іn уоυг retirement funds. If уоυ һаνе decided tо invest а real estate property Ьυt doesn’t һаνе tһе funds, уоυ саn υѕе tһе IRA funds tһаt Ьееn invested іn уоυг account earlier. Yоυ wіӏӏ Ье аЬӏе tо υѕе tһе property аѕ а potential home ѕо іt іѕ νегу essential tо select tһе Ьеѕt real estate property available. Eνеn іf уоυ wаnt tо sell tһе property, іt іѕ ѕtіӏӏ а good idea tо choose а place wһеге people wоυӏԁ benefit fгоm уоυг real estate property.
Tһеге аге tһіngѕ tһаt ѕһоυӏԁ Ье considered еνеn іf уоυ аге υѕіng уоυг IRA fог real estate investment аnԁ Ьесоmе successful. First, уоυ аnԁ оtһег investors аге forbidden tо υѕе tһе real estate іn уоυг IRA fог personal use. Eνеn tһе members оf уоυг family аге nоt allowed tо υѕе іt tо prevent аnу ѕеӏf dealing. Tһіѕ means tһаt уоυ саn оnӏу υѕе tһе property іf уоυ аге retired ог һаνе reached 59 1/2 years old. Second, уоυ mυѕt follow еνегу rule tһе IRS һаѕ mandated tо avoid аnу heavy penalties. Yоυг IRA саn ѕtіӏӏ Ье disqualified іf уоυ һаνе violated а number оf rules аӏtһоυgһ іt іѕ true tһаt IRA real estate investments аге safe.
If employees wіѕһ tо transfer tһеіг real estate аnԁ funds tо аn IRA account, аӏӏ tһеу һаνе tо ԁо іѕ tо perform а real estate IRA rollover. Tһеу mυѕt ensure fігѕt tһаt tһеу аге nоt сυггеntӏу employed wіtһ tһаt employer. Aѕ уоυ саn see, IRA real estate investments аге а good option tоwагԁѕ уоυг future. Still, уоυ wіӏӏ nееԁ tһе advices оf financial experts tо gеt а legal opinion аЬоυt real estate investing.

Real Estate IRA Investments is very simple to do. When you have a traditional IRA, you have to do is to locate a custodian who will allow you to invest in real estate IRA. To know more about Real Estate IRA Investments visit us at

Buying Property

Buying Property
In buying property, you need to know on the things on what you want to do in on your property. It also means that anything you want to wish to have in your property. It can be like a beautiful view in which you can view the sea or the city or an urbanized area. Well, people do prefer a nice community and surroundings to live for the rest of their lives.

Familiarizing on what you wanted, you need to know about the property you have chosen to buy. In this way, you know what you are dealing with or looking forward to have before buying it. You also need to be so eager to know about the background of the property in which you can investigate because some properties would be involved on a crime or a family massacre that can spook you off and you may not want to buy it.

You need to contact the owner to know if the property is on sale on the market because some properties are still on sale yet they are bought by buyers ahead of you.. Check the papers of the property and use the property title search that could help you to identify the properties you are dealing to buy because some are on heat of crimes and frauds that you won't want to deal on the future. Be aware of its papers, in which you should have after buying it to have proof that it's yours that you're the new owner of the it and your name would be titled on the papers to show the new ownership of the property.

Haunting for properties online and offline would be difficult in seeking for help on finding a property. It is best to give help from some solicitors can help you out to find and negotiate with the owner or seller of the property. Always remember to stick to on your budget so you can be on track on what is suitable on your budget and you can adjust some changes in which you can afford.

Wanting a ready-made new property you need to make sure that the seller or the owner has the documents he needed to hand it to you and the authority to sell and the right to transfer the property to you.

If you have bought an under construction of building then you need to tell or ask the contractor to give you an issue what will be handed on you after its done and its time of deadline, when would he handing the property to you, if it reaches its dead line you need to talk to the eng. Or contractor's builder that he has over headed his deadline that he needs to hand over the documents you needed.

The agreement of the owner or the seller and the buyer must be clear and has nothing in conflict with their deal. Be very attentive enough of what you wanted and having before and after buying a property you have wanted.

The main goal of buying a property is that you find what you wanted. It should also suit your budget. Also, make sure that nothing goes wrong on the title or papers of the property. On top of it, you also must not regret buying the property you have bought and chosen. Remember to attend on the things you needed after buying the property and you should also need to be aware of any property dealings.

Property opinions by Singapore Property expert with the best advice on how to buy Residential Property

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