Many executives in big-city financial centers endure long, draining commutes so their children can grow up in a quiet suburb. Inspired by a childhood memory of his grandfather’s happy post-retirement life in Florida, Manhattan business owner Bill Baron, a husband and father of two boys, ages 3 and 1, asked himself, “Why wait?” He and his family now live in a gated golf community in West Palm Beach, Fla.

“At first, we stayed in our Florida house for three weeks; it was the longest time I’d been away from my office since I started working after graduating law school at 24. I brought my IP phone with me and my computer, and I found I could work very effectively away from the office. My wife was pregnant with our second child. After several months of back-and-forth from New York to Florida, we started talking about making Florida our home: ‘Why don’t we give this a shot?’

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Vacationers looking for FL rental homes are quickly learning that this summer — even more so than in previous years — it’s paying off to procrastinate. Some landlords, anxious to fill their properties with paying renters, are sharply dropping rents to spur demand.

Real estate experts say the abundance of rental inventory is linked to a general weakening of the market for second homes. Since rising interest rates and other factors have limited the number of new buyers, houses that otherwise might be sold are instead offered for rent. In addition, during the real estate boom, when house values were rising sharply, many second-home owners were content to keep their vacation getaways to themselves.

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People tend to be confused about how lenders use credit scores and how individuals can most effectively manage their own scores. Plus, the name itself, credit scores, is confusing. In the U.S., scores tend to be final judgments. It’s the score you got on a math test, or the score your football team got. They’re final and absolute.

In the world of analytics, a risk score is more like a snapshot. It’s isn’t a final judgment because the underlying basis for the score is constantly changing. That’s true whether you’re talking about a credit risk score like the FICO score, or other types of analytic scores that might be assessing someone’s future behavior based on how what they’ve put on a credit application – called an application score—or how they’ve managed their account, called a behavior score.

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Millionaires also have an unwavering faith in money-making power of real estate. Most homeowners worth a cool $2 million or more expect their home value to increase at least somewhat and some of them expect a significant equity boost in the next year.

The Coldwell Banker survey comes on the heels of a similar study by Michaels Opinion Research, Inc. conducted for the Boston Consulting Group. It said 55 percent of Americans say their home would sell for more money now than it would have a year ago. That’s down from 59 percent last summer, but still a majority. The Boston Consulting survey also said 74 percent of homeowners were confident they could sell their home within the next six months at a price they think it’s worth.

The studies come in the midst of a FL housing market slowdown where the rate of appreciation has slowed in the vast majority of large metro areas, a growing number of areas are suffering price declines and foreclosures are sweeping the land threatening 2 million or more households, according to recent reports. Concentrated rates of foreclosures may be putting downward pressure on home prices. Original forecasts of a quick turnaround have been recast as a deeper, longer downturn.

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You recently mentioned that when buying a new single-family home, you should get a builder-warranty inspection before the warranty expires. Does this apply to a new condominium? I ask because I am looking to buy one of the new units that have recently been added to an existing complex. How would inspections of these two types of properties differ?

Even though the overall physical condition of a FL condo development can be significant in determining how challenging it will be to resell your individual condo unit someday, there are many common elements such as hallways, façades and common mechanical systems that typically aren’t examined by the inspector because they aren’t part of the specific unit you’re buying.

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Consumer protection laws protects individuals from aggressive debt collectors. Although the laws vary from state to state, generally the intent is to hold creditors and debt collection agencies to strict conduct rules.

Here are a few:

Debt collectors may not reach you at odd hours, such as before 8 a.m. or after 9 p.m., unless you grant permission for them to do so.

Debt collectors may not contact you at work if they know your employer dislikes such calls.

Debt collectors must go through your attorney, if you have one, in regard to your debt. They can only contact a third party once about where and how to find you.

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Real estate agent Caesar Parisi stands ready with effective advice on buying or selling a Royal Palm Yacht Club single family home. Visiting the Boca Raton FL community? Contact Realtor® Caesar Parisi for information on buying or selling an The Oaks in Boca Ratonal Estate.

People are spending more money on remodeling. Americans invested some $10.4 billion on home accessories and furniture in May, according to the U.S. Census Bureau’s monthly sales estimates of retail trade and food. That represented an increase of nearly 3% over the same period in 2006—- a year in which remodeling expenditures topped the $200 billion mark for the first time, according to the National Association of Home Builders

Three years ago, Chicago’s Merchandise Mart moved its kitchen, bath and building supply showrooms to the first floor and declared them open to all. The Design Center of the Americas in Dania Beach, Fla., now lets the public browse every second Saturday of the month. Today, most design centers have public cafes and restaurants and have resident designers who can take anyone through for $100 an hour. If someone knows exactly what they want, they can purchase it through some centers without a designer but with an extra fee tagged on as a percentage of the cost.

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The most obvious sign of termite infestation in a home is evidence of swarming indoors. In early spring, reproductive termites emerge from an underground nest, which can contain hundreds of thousands of insects. They fly around, land, discard their wings, mate and crawl back into the soil.

Carpenter ants — usually black and a quarter to a half inch long — can also pose a hazard. Because they also swarm, they are often mistaken for termites. But carpenter ants have a narrow, pinched waist, bent antennae and front wings that are longer than the back wings. In contrast, termites are the same width end to end, have straight antennae and four equal-size wings.

Powder-post beetles also damage wood. Some prefer hardwoods, making them more likely to damage flooring, molding and furniture. Others damage softwood, too. Signs of infestation are small round holes, ranging in size from a pinhead to a BB, with fine, flourlike wood powder coming out of them.

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Real estate agent Caesar Parisi stands ready with effective advice on buying or selling Boca Raton FL condos.

A day after Florida lawmakers hailed their landmark property-tax cut, analysts and real estate agents sounded off, insisting the savings won’t be enough to stimulate the hamstrung housing market.

The property tax system has been a key factor in South Florida’s slumping real estate market, which in turn affects other industries. Housing accounts for about 15 percent of the state’s economy, according to one University of Florida estimate, and the downturn has led to thousands of job losses.

Existing homeowners say the current tax system keeps them trapped in their homes, unable to buy larger or smaller places because their taxes would double or triple. FL Real estate agents had predicted a new property-tax plan would boost sagging sales, but that optimism is fading.

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Looking for a home in Gleneagles Country Club? Realtor® Caesar Parisi is ready to help you buy your dream property.

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A statewide survey of real-estate experts released Monday showed that appraisers, brokers and other professionals are decidedly more pessimistic than they were earlier this year.

In terms of the residential sector, the 306 specialists who responded to the survey—including the university’s 140-member real-estate advisory board—continued to be concerned about housing, particularly the state’s condominium markets.

They judged the condo markets to be in “notably more stressed condition,” with prices for condos and single-family FL homes expected to trail the rate of inflation in coming months—though they don’t expect them to decline outright.

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Real estate agent Caesar Parisi stands ready with effective advice on buying or selling Boca Raton FL condos.

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