Susan Hill, REALTOR�
 After 30 years in the trade show business, I sold my company, Hill & Partners, Inc (www.hillpartners.com) and moved to sunny Florida and focused on real estate. Working with buyers and sellers affords me the opportunity to apply the same skills that brought such success to my previous endeavor. You can be certain I will respond to your real estate needs with excitement, enthusiasm, rapid response, networking skills and problem-solving solutions!
Member of:
-Charlotte County Chamber
of Commerce
-Punta Gorda Chamber of Commerce
-Punta Gorda Isles Civic Association
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Featured Listing
93 Vivante #9322
Punta Gorda, FL 33950
List Price: $425,000
3 Beds, 2 1/2 Baths
Gorgeous harbor-front condo in the premier gated community of Vivante. Enjoy this resort living with amenities galore .... two heated swimming pools, including a 25' lap pool, tennis courts, a state-of-the-art gym and aerobics room; media rooms, billiards, crafts, sauna, steam, upscale full service spa and more!
This spacious end unit, three bedroom, two and a half bath has an open floorplan - you'll be thrilled with your kitchen - granite countertops, wood cabinets, new appliances and neutral tones throughout. Create your own special environment - you'll be inspired by the stunning sunsets enjoyed from the privacy of your own screened lanai. The master bedroom suite features a panoramic view of the harbor, huge walk-in closets and a master bath with dual sinks and separate shower and soaking tub. It's move-in ready ... come and get settled - then head to Fisherman's Village and historic downtown Punta Gorda for shopping, dining, entertainment, galleries - you name it! Security is superior with gated entry into the complex and a keyed private elevator into your unit.
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September 20th - 21st
September 24th
September 28th-29th October 4th
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Missed Our Newsletter Last Month?
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LetsGo2PuntaGorda Newsletter
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Dear Friends,
Hopefully your summer has been enjoyable. I'm sure all my "up north" friends are hoping to extend their summer weather into the fall - I don't blame you! We are spoiled here in Florida by the constant blue skies and warm temperatures. We won't see the beauty of leaves turning but we will be sailing into the harbor to watch the beautiful sunsets in those same majestic colors!
Typically, people like to talk about change when fall rolls around. So, if you happen to be thinking about moving in the next few months, or maybe looking for reliable real estate advice, give me a call. You can be assured I will assist you with professional guidance and attentive service.
Voting for Rand McNally's "Best Small Town in America" contest came to a close on September 3rd. Punta Gorda is in the running for top honors - Let's keep our fingers crossed! When Money Magazine selected our city as one of the best places to live, the impact was huge! And in the sales statistics category - Charlotte County processed only 28 foreclosures in July - this is the lowest total since 22 were filed in May 2004. We are on the right track!
September 8th is National Grandparents Day - we have lots of grandparents here and more coming .... hope you enjoy! The 26th is National Good Neighbor Day, the 16th National Play Dough Day, and if you just can't decide which is your favorite ... how about Fight Procrastination Day on the 6th!
Susan Hill, REALTOR�
Member of RE/MAX "Executive Club" - 2011
Member of RE/MAX "100% Club" - 2012
Direct - 941-676-1033
Cell - 941-347-8782
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This Month's Facebook Drawing Winner
Congratulations to Diana Vryhof, the winner of September's Facebook drawing!
**Enter to Win October's Drawing**
' Like us' on Facebook and automatically be entered for a chance to win a $25 American Express Gift Card during the month of October!
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Friends & Clients Corner
Trabue
Three cheers for local restaurant Trabue - chef Keith and waitstaff extraordinaire Linda! Always consistent and delicious...
Check out their website:
www.trabuerestaurant.com - there are wonderful dinner specials every night - My suggestion: try the escargot!
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Local Housing Statistics
Punta Gorda MSA
Single-Family Homes
Closed Sales: 331
Year-over-Year % Change: 3.1%
Median Sales Price: $149,900
Year-over-Year % Change: 39.9%
Condos and Townhouses
Closed Sales: 92
Year-over-Year % Change: 33.3%
Median Sales Price: $99,500
Year-over-Year % Change: -15.9%
Source: Florida Realtors�
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Do You Know When to Use Home Equity?
 Used wisely, home equity can send your kids to college or launch a business. But there's a real risk to using home equity loans - they can make you more susceptible to foreclosure. In a recent Federal Reserve study, researchers found that borrowing against your home equity causes problems for a few reasons: - Your payments go up (if your total mortgage gets bigger).
- If home prices fall, you have less equity to lose. That might make you more tempted to walk away from your home.
- If you're hit by a financial whammy, your financial cushion is thinner.
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When to Use Home Equity Despite that Federal Reserve study, home equity can be a smart tool when you want to build family wealth. Thinking about cashing out your home equity to buy something? Answering two questions can tell you if you're unnecessarily putting your home at risk: Question #1: Is the item you plan to buy with your equity going to go up in value (appreciate) or lose value after you buy it (depreciate)?  If it's an appreciating asset, it makes sense to use home equity to buy it. You're buying something with a future payoff. Things to put into the appreciating asset category: - Training or education (It makes you more valuable in the workplace.)
- Buying rental real estate
- Improving your home (Check the cost vs. value of certain remodeling projects.)
- Starting or buying a business (if you're ready to gamble your house on its success)
If it's a depreciating asset, don't use home equity to buy it. Things to put into the depreciating asset category: - Anything you eat
- Stuff you wear
- Most vehicles
Question #2: Will you still be using the item 10 years from now? Whatever you're buying should last at least as long as your payments. There are probably some items of clothing that you could arguably still be wearing 10 years from now, say, Frye boots. You may still be driving a car 10 years from now. But, there are two reasons you're better off with an auto loan than a home equity line, even though you'll probably pay a higher interest rate on a car loan. The length of your car loan is going to match the lifespan of your car. If an adverse life event causes you to crash and burn financially and you can't make the car loan payment, the bank will repossess your car. If you pay for the car with a home equity line and fail to make the payment, you could lose your home. Source: Houselogic |
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