How Hispanics Strengthen South Florida’s Real Estate Market

How Hispanics Strengthen South Florida’s Real Estate Market

By Ryan Dosen (Originally Published by The Miami Herald: http://www.miamiherald.com/real-estate/article1277…) Miami’s real estate market may have cooled a bit, but it is poised for long-term success and sustainability. And the world-famous beaches and tropical weather are only part of the equation. Despite a millennial-led nationwide trend to rent and wait on or avoid buying real estate, Miami’s strong Hispanic demographic positions the Magic City with a population that still strongly believes in family and homeownership. According to the U.S. Census Bureau’s website, as of 2015, individuals of Hispanic or Latino origin make up 17.6 percent of the American population. However, according to the National Association of Hispanic Real Estate Professionals’ (NAHREP) State of Hispanic Homeownership Report for 2015, Hispanics “have accounted for 56 percent of new household formations over the past five years.” NAHREP’s report also states that in 2015, “Hispanics achieved a net increase of 245,000 owner households, accounting for 69 percent of the total net growth in U.S. homeownership.” So, even though Hispanics make up less than 20 percent of the U.S. population, they account for almost 70 percent of new U.S. home formations, according to this report. These seemingly startling numbers do not come as much of a surprise to NAHREP. In its report, NAHREP cites Fannie Mae’s Oct.-Nov. 2015 National Housing Survey, which revealed that 70 percent of Hispanics believe that homeownership is the best way to build wealth; it also states that 80 percent of Hispanics believe that homeownership represents their best possible investment. The report concludes that Hispanics “envision a home of one’s own as more than an investment: a great place to live and...
Millennials Continue to Delay Committing to Buy a Home

Millennials Continue to Delay Committing to Buy a Home

By Ryan Dosen Much has been written and discussed recently regarding millennials and their tendency to wait on the purchase of a home. Some have blamed tighter lending conditions. Others have blamed a difficult job market, underemployment, and/or stubbornly low wages. Another theory is that, having seen the real estate crash of the late 2000s lay waste to lifetimes of hard work and financial discipline for so many, some millennials are gun-shy about making the jump into home ownership. And yet another theory being offered by developers is that there has been a paradigm shift and that millennials are simply looking for something different out of life. Billionaire real estate mogul Jeff Greene has been quoted by The Real Deal, a South Florida real estate news publication, as saying that “millennials are much more interested in experiences than things — they would rather climb a mountain than buy five extra pairs of jeans.” And according to a press release from his company, Josh Delk, vice president of Transwestern Development Co. in Austin, Texas, says the result is that millennials are leading a “growing demand for more efficient, affordable living space that is close to numerous amenities.” Despite earning wages that aren’t keeping pace with rising rents, Delk says that younger generations still “want to live in the middle of restaurants, bars and entertainment areas.” And to lead this type of lifestyle, they are willing to sacrifice space, and often, ownership. For now, they are supposedly choosing social time over the traditional American dream of owning a home. Greene has responded by proposing a 12-story mixed use project in West Palm...

Vavada pl: Kompletny przewodnik użytkownika – Od rejestracji do strategii

Vavada pl to kasyno online z licencją, oferujące gry od wiodących dostawców, takie automaty, ruletkę i blackjack. W tym przewodniku przedstawiamy obiektywne fakty, aby pomóc w bezpiecznym korzystaniu z platformy. Pamiętaj: hazard może uzależniać, graj odpowiedzialnie i tylko dla rozrywki, ustalając limity czasu i pieniędzy. Przed rozpoczęciem: Lista wymagań Zanim założysz konto w Vavada casino, upewnij się, że spełniasz te kryteria: Wiek: Musisz mieć co najmniej 18 lat lub wiek zgodny z lokalnymi przepisami. Dokument tożsamości: Przygotuj ważny dowód osobisty, paszport lub prawo jazdy do weryfikacji. Metoda płatności: Posiadaj aktywne konto bankowe, kartę kredytową lub portfel elektroniczny (np. Skrill, Neteller). Połączenie internetowe: Wymagane stabilne łącze do gry na stronie lub w aplikacji. Regulamin: Zapoznaj się z warunkami korzystania, zwłaszcza dotyczącymi bonusów i wypłat. Rejestracja i pobieranie aplikacji Vavada Proces rejestracji w Vavada jest prosty i zajmuje kilka minut. Postępuj zgodnie z tymi krokami: Wejdź na oficjalną stronę Vavada pl – to jedyne miejsce, gdzie podamy link, aby uniknąć pomyłek. Kliknij przycisk „Zarejestruj się” i wypełnij formularz: adres e-mail, hasło, waluta (np. PLN). Potwierdź rejestrację poprzez link wysłany na e-mail. Dla gry mobilnej, pobierz aplikację z strony lub sklepu Google Play/App Store, jeśli dostępna. Zrzut ekranu pokazujący różnorodność gier w Vavada casino, w tym automaty i gry stołowe. Funkcje i gry w Vavada casino Vavada oferuje szeroki wybór gier od dostawców jak NetEnt, Microgaming i Pragmatic Play. Kluczowe cechy: Gry: Automaty (sloty), ruletka, blackjack, poker, gry na żywo z krupierami. Bonusy: Welcome bonus dla nowych graczy, darmowe spiny, promocje regularne. Mobilność: Strona responsywna i opcjonalna aplikacja na iOS/Android. Film instruktażowy pokazujący proces rejestracji i nawigację w Vavada pl. Strategia i...