Slide background
Slide background
Slide background
Slide background
Slide background
Slide background
Slide background

Advanced Search

Home Repairs and Emergency Funds

September 17th, 2018 Written By Carol Pawley

adapted from Les Masterson’s article on realtor.com            

If home repairs are a headache to you, then emergency home repairs probably resemble a throbbing migraine.  To ease your pain it is wise to have a specific savings stored up to eliminate the stressful financial part of the equation. Most financial experts recommend having a 3-6 months of living expenses for when hard times arrive. When it comes to home repairs you should aim for 1-3% of your home’s value.In addition to a home repair emergency fund it is also wise to set up 2 general emergency funds:  one for everyday items and one for dire emergencies.  Everyday matters may cover the cost of a broken microwave while dire emergencies savings should be enough to cover disasters that could interrupt your ability to pay your mortgage, such as a failed septic tank or loss of a job.  Aim for 10% of your annual wages to go toward your general emergency savings and 20% of your mortgage balance for a dire emergency fund.  It might be a slow process to reach these goals, but once you saved up, emergencies can cause less stress all the way around.

Great to have you on my site! Seeking to sell or buy property in Coconut Grove, Coral Gables, or anywhere in Miami? I can assist you. Real estate is my area of expertise and Miami-Dade the place I grew up. I know the communities, the schools, the culture, and the business of real estate. I’ve consistently ranked in the top 1% of my field, locally and nationally. I’d love to have the opportunity to introduce myself and discuss your real estate needs. Let’s connect: PH 305-992-6188,EMAIL: carolapawley@gmail.com

281

Total Comments. Join the Discussion?

Brokers Open in Pinecrest!!!

May 1st, 2018 Written By Carol Pawley

Great to have you on my site! Seeking to sell or buy property in Coconut Grove, Coral Gables, or anywhere in Miami? I can assist you. Real estate is my area of expertise and Miami-Dade the place I grew up. I know the communities, the schools, the culture, and the business of real estate. I’ve consistently ranked in the top 1% of my field, locally and nationally. I’d love to have the opportunity to introduce myself and discuss your real estate needs. Let’s connect: PH 305-992-6188,EMAIL: carolapawley@gmail.com

3,274

Total Comments. Join the Discussion?

Free Trolley Route for Coconut Grove!!!!

April 9th, 2018 Written By Carol Pawley

If you are looking for a free ride around Coconut Grove… see the stops below, hop on and get moving!!!

Great to have you on my site! Seeking to sell or buy property in Coconut Grove, Coral Gables, or anywhere in Miami? I can assist you. Real estate is my area of expertise and Miami-Dade the place I grew up. I know the communities, the schools, the culture, and the business of real estate. I’ve consistently ranked in the top 1% of my field, locally and nationally. I’d love to have the opportunity to introduce myself and discuss your real estate needs. Let’s connect: PH 305-992-6188,EMAIL: carolapawley@gmail.com

2,811

Total Comments. Join the Discussion?

New Listing 8950 SW 69 Ct. Unit 221

February 20th, 2018 Written By Carol Pawley

Spacious 1 bedroom/1.5 bath loft with 20 ft. ceilings, an open kitchen

with granite counters & SS appliances, new bathrooms, built-ins. This

Key West style Condo is located in a gated community in North Pinecrest

which features impact windows, elevator, free laundry facility on each

floor & overlooks the sparkling pool. Unit comes with 1 parking space.

Pinecrest top schools & walking distance to Dadeland, Metrorail & Publix.

https://tours.floridaluxuryhomesphotography.com/public/vtour/display/959155

Read the rest of this entry »

Great to have you on my site! Seeking to sell or buy property in Coconut Grove, Coral Gables, or anywhere in Miami? I can assist you. Real estate is my area of expertise and Miami-Dade the place I grew up. I know the communities, the schools, the culture, and the business of real estate. I’ve consistently ranked in the top 1% of my field, locally and nationally. I’d love to have the opportunity to introduce myself and discuss your real estate needs. Let’s connect: PH 305-992-6188,EMAIL: carolapawley@gmail.com

6,463

Total Comments. Join the Discussion?

New Listing coming!!!! 8950 SW 69 CT #221

February 12th, 2018 Written By Carol Pawley

Palms of Pinecrest is a gated community in North Pinecrest, east of US1 close to Dadeland Mall, Metrorail and Publix.  This 1 bedroom/ 1.5 bath loft has 20 ft. ceilings, open kitchen and 1 parking space.

Great to have you on my site! Seeking to sell or buy property in Coconut Grove, Coral Gables, or anywhere in Miami? I can assist you. Real estate is my area of expertise and Miami-Dade the place I grew up. I know the communities, the schools, the culture, and the business of real estate. I’ve consistently ranked in the top 1% of my field, locally and nationally. I’d love to have the opportunity to introduce myself and discuss your real estate needs. Let’s connect: PH 305-992-6188,EMAIL: carolapawley@gmail.com

3,083

Total Comments. Join the Discussion?

Coral Gables Farmers Market is Here through March 24, 2018

February 12th, 2018 Written By Carol Pawley

Come one and  all to the Farmers Market every Saturday until March 24, 2018.  Lots of fruits, vegetables along with cooking demonstrations and gardening workshops.  Please see attached schedule.Coral Gables Farmers Market Schedule

Great to have you on my site! Seeking to sell or buy property in Coconut Grove, Coral Gables, or anywhere in Miami? I can assist you. Real estate is my area of expertise and Miami-Dade the place I grew up. I know the communities, the schools, the culture, and the business of real estate. I’ve consistently ranked in the top 1% of my field, locally and nationally. I’d love to have the opportunity to introduce myself and discuss your real estate needs. Let’s connect: PH 305-992-6188,EMAIL: carolapawley@gmail.com

3,411

Total Comments. Join the Discussion?

Homestead Exemption for 2018

January 31st, 2018 Written By Carol Pawley

 

Property Tax season is here again, and that means that it’s time to gather up your homeowner paperwork and head over to your accountant or tax service to file your taxes. If you bought a home between January 1 and December 31, 2016, it’s time to file for a homestead exemption by the March 1 deadline!

The Florida homestead exemption is a benefit that you want to take advantage of if you moved into a new home last year. The homestead exemption is a tax exemption that allows qualified Florida homeowners who reside on their property a chance to reduce the taxable value of their property by as much as $50,000.

The Florida homestead exemption is not an automatic benefit, but it must be obtained by the individual homeowner by filing for the exemption with the local Property Appraiser in the county of the residence. Though only available for the primary home of the individual, the homestead exemption is one of the most used and effective benefits that can be claimed by Florida residents.

Once qualified, you don’t no need to reapply each year if the permanent residency and property ownership do not change.

DO I QUALIFY?

Florida law states that the homestead exemption is only available to qualified Florida residents. To qualify, applicants must be either a US citizen, a permanent resident alien, or legally allowed to remain in the United States permanently. As mentioned, this is a tax exemption that is only applicable to the individual’s primary residence including houses, condominiums, co-op apartments, and some mobile home lots.

Businesses, second homes, and rental properties are not covered under the exemption. Persons who claim permanent residency in another state or have applied for residency tax credits in a state other than Florida also do not qualify for the exemption.

Before you can qualify, the deed of ownership (or co-op proprietary lease) must be filed with the County Public Records Office before January 1 of the year you are claiming as evidence of ownership. If your deed is not on file, Florida state law is prohibited from granting the homestead exemption for the property.

To determine qualifications for the exemption, eligible individuals must:

  • Be a resident of the state of Florida
  • Own and reside on the property
  • Claim this property as permanent residence
  • Hold the title (or beneficial interest) for the property

WHAT DO I NEED IN ORDER TO FILE?

Qualified Florida residents will need to provide a few items when filing a homestead exemption application. Be ready to provide proof of ownership, proof of permanent residency in Florida, and, if you or your spouse have previously held exemptions in another state or country, proof of surrender of exemption in the other jurisdiction.

HOW DO I APPLY?

In Miami or Broward County  Florida, you can file your application for the Florida homestead exemption online. Your local County Property Appraiser’s’ office will also have printed applications available.

Below are links to several counties’ online homestead exemption application page

For other counties not listed here, an online search for “[County Name] homestead exemption online application” will yield your county’s online application form if available.

WHEN DO I APPLY?

You must file before March 1, 2018

 

Great to have you on my site! Seeking to sell or buy property in Coconut Grove, Coral Gables, or anywhere in Miami? I can assist you. Real estate is my area of expertise and Miami-Dade the place I grew up. I know the communities, the schools, the culture, and the business of real estate. I’ve consistently ranked in the top 1% of my field, locally and nationally. I’d love to have the opportunity to introduce myself and discuss your real estate needs. Let’s connect: PH 305-992-6188,EMAIL: carolapawley@gmail.com

23,407

Total Comments. Join the Discussion?

  • Logo
  • Logo
  • Logo
  • Logo
  • Logo
  • Logo