Автор: Marina Piantanida

First child, second wife and third realtor)

По четвергам я разговариваю по телефону со своим коучем (коуч должен быть у каждого человека. Есть и у меня). Рассказываю ему события прошлой недели — что получилось, что не получилось — и планы на неделю грядущую.

И по ситуации он вспоминает хорошую пословицу. В жизни нужно быть первым ребенком, второй женой и третьим риэлтором. Read More

NAR: First-time buyers stifled by low supply, affordability

WASHINGTON – Oct. 30, 2017 – Despite solid interest in buying a home – sparked by steady job gains, record low mortgage rates and higher rents – the severe drought in housing supply in much of the country over the past year accelerated price growth and kept many first-time buyers out of the market, according to the National Association of Realtors®‘ (NAR) 2017 Profile of Home Buyers and Sellers.

The profile also identified numerous current consumer and housing trends, including mounting student debt balances and smaller downpayments; increases in single female and trade-up buyers; the growing occurrence of buyers paying the list price or higher; and the fact that nearly all respondents use a real estate agent to buy or sell a home, which kept for-sale-by-owner transactions at an all-time low of 8 percent for the third straight year.

In this year’s survey, the share of sales to first-time home buyers inched backward to 34 percent (35 percent in 2016) – the fourth lowest share since 1981. In the 36-year history of NAR’s survey, the long-term average of first-time buyer transactions is 39 percent.

«The dreams of many aspiring first-time buyers were unfortunately dimmed over the past year by persistent inventory shortages, which undercut their ability to become homeowners,» says Lawrence Yun, NAR chief economist. «With the lower end of the market seeing the worst of the supply crunch, house hunters faced mounting odds in finding their first home. Multiple offers were a common occurrence, investors paying in cash had the upper hand, and prices kept climbing, which yanked homeownership out of reach for countless would-be buyers.

«Solid economic conditions and millennials in their prime buying years should be translating to a lot more sales to first-timers, but the unfortunate reality is that the nation’s homeownership rate will remain suppressed until entry-level supply conditions increase enough to improve overall affordability.»

Other key findings and notable trends of buyers and sellers this year

Student debt balances continue to grow

Of all first-time buyers, 41 percent indicated they have student debt (40 percent in 2016). The typical debt balance also increased ($29,000 from $26,000 in 2016), and over half owe at least $25,000. Additionally, of the 25 percent who said saving for a downpayment was the most difficult task in the buying process, 55 percent said student debt delayed saving for their home purchase.

«NAR survey findings on student debt released earlier this fall revealed that an overwhelming majority of millennials with student debt believe it’s delaying their ability to buy a home, and typically for seven years,» says Yun. «Even in markets with a plethora of job opportunities and higher pay, steep rents and home prices make it extremely difficult to put savings aside for a down payment.»

Single females make up larger share of sales

Solid job prospects, higher incomes and improving credit conditions translated to continued momentum in the growing share of single female buyers. At 18 percent (matches highest since 2011), single women were the second most common household buyer type behind married couples (65 percent). Furthermore, single women purchased slightly more expensive homes than single men despite earning less. The overall share of single male buyers (7 percent) remained below unmarried couples (8 percent) for the second straight year.

Downpayment amounts decrease for first-timers, rise for repeat buyers

The ongoing climb in home prices pulled the typical downpayment for first-timers to 5 percent this year (6 percent in 2016), which matches the lowest since 2013.

Meanwhile, higher home values likely gave more sellers the wherewithal to use the cash from their recent sale to make a bigger downpayment on their new home purchase (14 percent; 11 percent in 2016). Repeat buyers’ sales proceeds from their previous purchase (55 percent) surpassed their own personal savings (50 percent) this year as a larger source of their downpayment.

Personal savings ranked first for first-time buyers as the primary source of their downpayment, followed by a gift from a friend or relative (25 percent; 24 percent in 2016). Over half of first-timers said it took a year or more to save for a downpayment, and 25 percent said saving was the most difficult task in the entire buying process.

Age of first-timers stays flat; climbs to new survey high for repeat buyers

For the second straight year, the median age of first-time buyers was 32 years old. First-time buyers had a higher household income ($75,000) than a year ago ($72,000) and purchased a slightly smaller home (1,640-square-feet; 1,650-square-feet in 2016) that was more expensive ($190,000; $182,500 in 2016). Fewer first-time buyers purchased a home in an urban area (17 percent; 20 percent in 2016).

The age of repeat buyers increased to an all-time survey high this year (54 years old; 52 years old in 2016) as older households, perhaps with plans to stay in the workforce longer but with an eye towards retirement, felt more comfortable about buying. Overall, repeat buyers had roughly the same household income as last year ($97,500; $98,000 in 2016) and purchased a 2,000-square-foot home (unchanged from last year) costing $266,500 ($250,000 in 2016).

Supply scarcity leads to increase in buyers paying list price or higher

Underscoring the supply and demand imbalances prevalent in many parts of the country, 42 percent of buyers paid the list price or higher for their home, which is up from a year ago (40 percent) and a new survey high since tracking began in 2007. Buyers in the West were the most likely (51 percent) to pay at or above list price.

«Many of those in the market to buy a home this year had little room to negotiate,» says Yun. «Listings in the affordable price range drew immediate interest, and the winning offer often times had to waive some contingencies or come in at or above asking price to close the deal.»

Buyers report less difficulty obtaining a mortgage

The improving financial health of borrowers and a slight ease in credit standards are leading to a smoother process in obtaining a mortgage. Fewer buyers (34 percent) compared to a year ago (37 percent) indicated that the mortgage application and approval process was somewhat or much more difficult than they expected.

Fifty-eight percent of buyers financed their purchase with a conventional mortgage, and 34 percent of first-time buyers took out a low-down payment Federal Housing Administration-backed mortgage, which is up from 33 percent last year but down from 46 percent five years ago.

Nearly all buyers choose a single-family home in a suburban location

A majority of buyers continue to choose a home in a suburb, small town or rural area (85 percent) as opposed to an urban one (13 percent; 14 percent in 2016). Eighty-three percent of buyers purchased a detached single-family home, which for the third straight year remains the highest share since 2004 (87 percent). Purchases of multi-family homes, including townhouses and condos, were at 11 percent.

Most buyers search for homes online … and use a real estate agent

This year’s survey data continues to show that the internet (95 percent) and real estate agents (89 percent) remain the top two information sources used during buyers’ home search. Overall, 87 percent of buyers ended up purchasing their home through a real estate agent (88 percent in 2016), and finding the right property to buy and help negotiating the terms of the sale were the top two things buyers wanted most from their agent.

Even for those who found the home they purchased online, nearly all still closed on it with the help of an agent (88 percent).

«It’s no surprise a majority of first-time buyers indicated that the top benefits received from their agent were help understanding the buying process (83 percent), pointing out unnoticed property features or faults (60 percent), and negotiating better sales terms (51 percent),» says NAR President William E. Brown. «Realtors over the past year have helped buyers – and especially first-timers – navigate extremely competitive market conditions where the need to be prepared and act quickly has been paramount to the success of purchasing a home.»

Homeowner tenure at all-time high; equity and share of repeat buyers climbs

The typical seller over the past year was 55 years old, had a higher household income ($103,300) than last year ($100,700) and was in the home for 10 years before selling – matching the all-time high set both in 2014 and a year ago. Prior to 2009, sellers consistently lived in their home for a median of six years before selling.

With home values steadily rising over the past several years, sellers realized a median equity gain of $47,500 ($43,100 in 2016) – a 26 percent increase (24 percent last year) over the original purchase price. Homes sold after 21 years of ownership had the largest equity gain (104 percent), while those who purchased six or seven years ago saw a larger return (27 percent) than those who purchased between eight and 15 years ago (14 percent to 18 percent).

The percent share of buyers trading up increased for the third straight year, rising to 52 percent from 46 percent in 2016. In 2014, 40 percent of buyers purchased a bigger home.

«The decline in first-time buyers and uptick in repeat buyers trading up to a larger home reflects the more favorable conditions for home shoppers at the upper end of the market, where listings are more plentiful and sales have been consistently higher over the past year,» says Yun.

Seller use of an agent remains at all-time high; FSBOs at record low

Sellers’ use of a real estate agent this year remained at an all-time high of 89 percent. This in turn – for the third straight year – held for-sale-by-owner sales to their lowest share (8 percent) in the survey’s history.

An overwhelming majority of sellers were satisfied with the selling process (88 percent), with most also indicating that they would definitely or probably use their agent again or recommend him or her to others (85 percent).

«Homeowners understand the value, and seek the expertise and guidance Realtors bring to the table when it’s time to sell their home,» says Brown. «Despite incredibly favorable market conditions for sellers – where finding interested buyers was not a problem – nearly all turned to a Realtor to help assist them through the intricacies of listing their home on the market, accepting offers, negotiating the sales price and closing the deal.»

© 2017 Florida Realtors

Original

Два города Флориды в рейтинге 10 лучших городов США для покупки!

Two Fla. cities rated ‘best places to be a landlord’

ORLANDO, Fla. – Oct. 20, 2017 – Higher home prices and a tight supply of homes for sale may be the mantra nationwide – but certain markets are still offering lucrative options for investors, including two in Florida.

Real estate sales and auction company TenX released its top picks for investors. Texas had the most markets on the list, scoring three out of the top five, as it continues to post strong growth in employment and home construction. San Antonio topped TenX’s list for best places for investors, posting strong population growth for six years and having incomes hit all-time highs. San Antonio is followed on the list by two other Texas hot spots: Fort Worth and Dallas.

Home prices are rising quickly in Texas, but they remain low compared to some other hot markets, like in California, TenX notes.

«If you look at our report, probably eight or nine of the top 20 markets in terms of housing performance are in either Texas or Florida,» says Rick Sharga, executive vice president at TenX.

«The Florida markets will be more directly impacted because Irma hit everything, but even in Texas, a lot of the construction and labor and materials and so forth that’s been going to build new properties in Dallas and Fort Worth and San Antonio might get diverted to rebuild Houston, and that could have a noticeable impact on home sales and home starts over the next six to nine months.»

Investors have had to shift course in many cities as the number of low-priced or foreclosed homes dries up.

«What they’re really looking to do now is make money on the month-to-month rent, so in a lot of cases they’re buying properties at full value,» Sharga told CNBC. «In some cases, they may even be slightly overpaying for properties, but they’re making it up in the rental income over the period of time.»

The following are the top 10 markets for investors, according to TenX:

  1. San Antonio
  2. Fort Worth, Texas
  3. Dallas
  4. Columbus, Ohio
  5. Tampa, Fla.
  6. Orlando, Fla.
  7. Indianapolis
  8. Austin, Texas
  9. Nashville, Tenn.
  10. Raleigh, N.C.

Source: «Want to be a Landlord? These Are the Top Markets This Fall for Investing in Rental Homes,» CNBC (Oct. 13, 2017)

© Copyright 2017 INFORMATION INC., Bethesda, MD (301) 215-4688

США: что необычного в обычной работе в обычной компании?

В понедельник 23.10.2017 в 21.00 мск состоится открытая он-лайн трансляция на моем YouTube канале на тему работы в США

Тема эта большая, поэтому посмотрите приблизительный план сегодняшней трансляции

Обычная работа в обычной компании

  1. Существующие тенденции для развития бизнеса в США
  • Устойчивое положение крупных компаний, сложность пробиться на рынок малому бизнесу, малому – малое, переход в большое только через развитие в он-лайне.
  • Подвижная система – лузер вылетает вне зависимости от размеров лузера. Переходит в другой сегмент (он-лайн), уходит с плохого места, уходит с рынка, покупается другими компаниями
  • Постоянное развитие (сравнение с Интернетом) – новые направления (расширение ассортимента), новые формы работы с клиентами, перестройка в магазине, новые правила работы для персонала
  • Поиск удачных стратегий – соревнования между магазинами, выбор ценовой ниши, сбор обратной связи (туалеты), анализ и использования обратной связи
  1. Большие одежные сети – тенденции
  • Франшиза или соподчинение
  • Основа – непродукты, продуктовая линейка небольшая. В продуктовых магазинах нет одежды.
  • Ценовая ниша и целевая аудитория – Мейсис и Валмарт
  1. Как устроена сеть, в которой работаю я
  • Три сети – разная ЦА, разный уровень маркетинга, менеджмента
  • Реклама на ТВ
  • Дистрикт менеджер
  • Выполнение плана – как рассчитывается, что дает?
  1. Тарифная сетка в нашем магазине
  • Менеджер магазина
  • Миноры — Менеджеры смены, HR и бухгалтер – перемещение, карьера, обучение, специализация, способы работы, личные качества, профессиональные качества, уборка туалета
  • Координатор – фулл-тайм, специализация, обучение, работа (как рядовой асистент, проекты), менеджер закрытия, конкурс при открытой вакансии,
  • Ассистент – специализация или широкий профиль, работа на кассе и в зале, возвраты, прием и выкладка товара, консультирование, предупреждение воровства, создание лояльности покупателя, уборка зоны,
  • Работник склада – прием товара, выкладка для зала, мерчендайзинг
  • Уборщица – пришла с утра, убрала. Два раза в год — клининг
  1. Организация работы
  • Деление на звездочки – каждые три месяца перемещение
  • Каждый месяц – новый топик
  • Дополнительная мотивация – лучший асс квартала, за кражи, зеленые карточки, карточка на 20 долларов
  • Немат мотивация – обеды, складчина, донейшн, лотерея, 20% офф
  • Инвентаризация – как проходит, что показывает, что дает
  1. Люди и отношения
  • Отношения менеджер – ассистент: конструктивно, спокойно, доброжелательно.
  • Отношения между коллегами – дружат, помогают (мой пример), телесные контакты, шутят
  1. Подбор и обучение персонала
  • Набор персонала – через интернет, через анкету
  • Собеседования
  • Вводный инструктаж – уже рабочее время
  • Первый рабочий день
  • Постоянное тестирование – расширение зон работы,
  • обучение на рабочем месте – кто проводит, как проводит, книжка-подсказка, почему не нужны тренинги, отсутствие сопротивления, открытое сознание
  • Годовое интервью –
  • Оплата – повышение, оплачиваемый отпуск.
  1. График работы – парт тайм, как строится, приход-уход, перерывы
  2. Покупатели
  3. Товары

Fla. housing market: Hurricane Irma impacts Sept sales, data

ORLANDO, Fla. – Oct. 20, 2017 – Hurricane Irma, which made landfall in the Keys on Sept. 10 and continued up the state’s west coast, affected Florida’s housing market data in September, according to the latest housing data released by Florida Realtors®. Fewer sales, pending sales and new listings were reported, though median prices rose as a still-tight inventory of for-sale homes remained the norm in many areas. Sales of single-family homes statewide totaled 18,030 last month, down 20.4 percent compared to September 2016. Read More

Почему некоторые люди платят за дом так много? Взгляд из поведенческой экономики

Why do some people pay too much for a house?

CHICAGO – Oct. 10, 2017 – When it comes to investing in a stock, saving for retirement or making daily financial decisions, people’s emotions, biases and lack of self-control often end up hurting their bottom line.

The not-so-rational money moves people make has spawned the increasingly popular field known as «behavioral economics» – or the study of how psychology and economics intersect. Read More

Как покупать дом в арендаторами? Часть 3

Part 3: The closing process for tenant-occupied properties

By Meredith Caruso

Oct. 2, 2017 – This article is the last of a three-part series regarding selling properties that may be subject to tenancies.

The first article provided advice to assist a Realtor at the onset of taking a listing. The second article focused on contract language and the required steps for both parties once they arrive at an agreement. Read More

Как купить дом с арендаторами? Часть 2

Occupied property, part 2: Selling homes with a tenant

By Meredith Caruso

Sept. 4, 2017 – This article – second in a series of three – regards selling properties that may be subject to tenancies.

My first article offered advice to help Realtors when they first take on a listing. This article focuses on contract language and the required steps once respective parties arrive at an agreement. Read More

Как покупать дома с арендаторами? Часть 1

Occupied property: How to sell homes with a tenant

By Meredith Caruso

Aug. 21, 2017 – This article, the first of a three-part series, suggests steps to take when an owner wants to sell an investment home that’s tenant occupied. What should you know and what should you do differently?

Part two will focus on contract language and how information about the tenancy should be exchanged between a buyer and a seller. Part three will cover the closing process when the property is subject to a lease.

Many callers to Florida Realtors Legal Hotline focus on tenant-occupied property. Unfortunately, the questions usually result from failing to understand the obligations and rights of the various parties. The following information is only suggestive, not mandatory or required, but may greatly assist you in avoiding confusion later on in the transaction. Read More

4 things you really wish your sellers knew

CHICAGO – Sept. 21, 2017 – You don’t want to hurt your clients’ feelings, but there are a few things that often pop up in the course of transactions that you wish sellers already knew, so that you could avoid some awkward conversations. While the actual delivery would be far more diplomatic, these are the top difficult things Realtors wish they could easily tell sellers: Read More

How does post-Irma damage affect tenants and landlords?

By Meredith Caruso

Sept. 18, 2017 – Florida law requires landlords to comply with all applicable building, housing and health codes that can vary by county.

However, there’s no simple or standard answer to the question «What rights do tenants and landlords have if Hurricane Irma damaged their rental unit?» since the answer could depend on terms within the lease. Read More

На нас идет ураган Ирма. Размышления перед встречей

На нас идет ураган Ирма. Вообще ураганы в наших краях – не редкость. То тут, то там в новостях слышно про возможные катаклизмы вокруг Флориды. То с Мексиканского залива что-то закрутит, то с Атлантики забурлит. Но это все было далеко и вероятность разрушить или затопить была крайне мала. Я по этому поводу всегда шутила:

— Пока я живу в Тампе, ничего с Тампой не произойдет! – многие мою шутку воспринимали всерьез. Я не старалась не разочаровывать, за мои пять с половиной лет в Тампе действительно ураганов не было.

Вот и к наступающей Ирме я отнеслась достаточно легкомысленно поначалу, понимая, что характер любого урагана непредсказуем, как девичий. Тем более и имя у него в этот раз женское, Ирма, может повернуться и перемениться и рухнуть куда-нибудь в другое место.

О том, что Ирма движется в сторону Флориды, заговорили больше недели назад. Что сформировался какой-то гигантский ураган, скорость ветра достигает рекордных 375 миль в час, присвоена пятая, высшая, категория. По мере движения над океаном ураган не только не теряет, но и набирает силу. И с этой дурацкой мощью обрушивается на острова. Read More