Dawn Rupersburg www.ocalaflhome.com

Common Suncoast Shells on our Florida Beaches

These are common shells you will find on our Florida Beaches.  Ocala Real Estate

Wild Hummingbirds being fed by hand

My mom sent me these pictures of a gal in Abagail Alfano of Pine, Louisiana where hummingbrids migrate.  Is this just too cool?

For all your Ocala Real Estate needs Dawn Rupersburg Full Time Realtor Coral Shores Realty  

Another fun game

Click on the ball to change it's color.   Ball

The Marion County Prescription Discount Card It's Free

The Marion County Prescription Discount Card has generated more than $500,000 in savings for people living in Marion County. The card program has been around for a year. The thousands of Marion County citizens, who have used the card, simply presented the card at a retail participating pharmacy and saved an average of 20% on prescription drugs.

There is no enrollment form, no membership fee, no limits, no age requirements, no income requirements and no medical condition restrictions. Even if you have insurance, but your insurance does not cover a particular drug… then you can use the Marion County Prescription Discount Card.

To get a Marion County Prescription Discount Card, simply stop by your neighborhood pharmacy and ASK for the card. Or stop by the nearest public library and pick-up the card. You could call Marion County Community Services at 352-671-8770 to get more details on the Marion County Prescription Discount Card.

 Visit Ocala Florida Real Estate  for all your Ocala Fl Real Estate needs.

Homes For Sale Ocala Florida-Ocala Florida Homes For Sale-Buyer's Agent

Check out Ocala FL Real Estate for all the MLS Homes For sale Ocala Florida. Ocala Florida has over

6000 homes for sale on the Marion County MLS.  Looking for a good buyer's agent who looks out for your

best interest and wants to get you the best deal out there?   Great!   Call Dawn Rupersburg of Coral Shores

Realty Inc. in Ocala Florida where you will be shown all the Ocala Real Estate by other real estate

companies.

What you need to do in the first 30 days when relocating to Florida

Get a Florida Drivers License and License Tags

In order to get Florida tags Florida Insurance is required.  Out of state insurance

Will not allow you to get tags.   First step:  Change your insurance before you

Go to the Department of Motor Vehicles.  Cars must also go through an

Inspection at the Department of Motor Vehicles.  The inspection will consist of

 Checking the vehicles mileage  and verifying the vehicles identification number (VIN).

 According to Florida law tags must be switched over within 20 days of establishing residency.  The process of getting a drivers license is much simpler.   Simpley bring in a second form of identification like your social security card and smile for the camera.

Don’t forget to register to vote.  Click here to go to the Florida Department of Motor Vehicles:

Great Room what is it?

An open room with high ceilings that incorporates the living room, kitchen, and dining area.

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Cathedral Ceiling or Vaulted Ceiling? What's the difference?

Cathedral ceiling is a sloping ceiling with equally sloping sides, meeting in the middle of a room at a ridge. Vaulted ceiling is a sloping ceiling with unequal sides or with just a single sloping side, or curved, or arched. 

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Sand and Stone

Sand and Stone

TWO FRIENDS WERE WALKING
THROUGH THE DESERT
DURING SOME POINT OF THE
JOURNEY, THEY HAD AN
ARGUMENT; AND ONE FRIEND
SLAPPED THE OTHER ONE
IN THE FACE

THE ONE WHO GOT SLAPPED
WAS HURT, BUT WITHOUT
SAYING ANYTHING,
WROTE IN THE SAND

TODAY MY BEST FRIEND
SLAPPED ME IN THE FACE

THEY KEPT ON WALKING,
UNTIL THEY FOUND AN OASIS,
WHERE THEY DECIDED
TO TAKE A BATH

THE ONE WHO HAD BEEN
SLAPPED GOT STUCK IN THE
MIRE! AND STARTED DROWNING,
BUT THE FRIEND SAVED HIM.

AFTER HE RECOVERED FROM
THE NEAR DROWNING,
HE WROTE ON A STONE:

"TODAY MY BEST FRIEND
SAVED MY LIFE"

THE FRIEND WHO HAD SLAPPED
AND SAVED HIS BEST FRIEND
ASKED HIM, "AFTER I HURT YOU,
YOU WROTE IN THE SAND AND NOW,
YOU WRITE ON A STONE, WHY?"

THE FRIEND REPLIED
"WHEN SOMEONE HURTS US
WE SHOULD WRITE IT DOWN
IN SAND, WHERE WINDS OF
FORGIVENESS CAN ERASE IT AWAY.
BUT, WHEN SOMEONE DOES
SOMETHING GOOD FOR US,
WE MUST ENGRAVE IT IN STONE
WHERE NO WIND
CAN EVER ERASE IT"

LEARN TO WRITE
YOUR HURTS IN
THE SAND AND TO
CARVE YOUR
BENEFITS IN STONE.
THEY SAY IT TAKES A
MINUTE TO FIND A SPECIAL PERSON,
AN HOUR TO APPRECIATE THEM,
 A   DAY TO LOVE THEM,
BUT THEN
AN ENTIRE LIFE
TO FORGET THEM.

SEND THIS TO
THE PEOPLE YOU'LL NEVER
FORGET.

I JUST DID.

IF YOU DON'T
SEND IT TO ANYONE,
IT MEANS YOU'RE IN A
HURRY AND THAT YOU'VE
FORGOTTEN YOUR FRIENDS.

TAKE THE TIME TO LIVE!

DO NOT VALUE THE THINGS
YOU HAVE IN YOUR LIFE, BUT VALUE
WHO YOU HAVE IN YOUR LIFE!

AND IF I HAPPEN TO GET IT BACK,
THEN I KNOW MY PLACE IN YOUR LIFE

"Be kinder than necessary, for everyone you meet is fighting
some kind of battle"

Home Owners Association -Questions to ask

How Financially Sound is the Homeowner Association?

To determine this, ask for and read (yes, they are long, at least 50 pages or more) copies of the following documents:

      Covenants, Conditions and Restrictions  

      By-Laws and Regulations

      Meeting Minutes for the last year

      HOA Financial Statement

      NON-Ad Valorem section of the units county property tax bill

      Is a bond dept transferable with the property?

      Are there on-going assessments to cover the maintenance of the infrastructure?

These documents will tell you about:

      Special assessments being planned to address deferred maintenance

      Capital improvements planned

      Amount of cash reserves

      Whether the association is being or has been sued

      History and likelihood of dues increases

      Who owns the common areas, golf courses, activity centers and building infrastructure?

What do your monthly dues buy you? Does it include payment for:

      Water

      Cable TV

      Ground maintenance / gardeners

      Trash pick-up

      Sewer services

      Insurance

      Professional management fees

      Pool, spa or fitness centers

      Roads and sidewalks

      Assigned / underground parking (and if so, how many spaces?)

      Gate access

How do the fees compare to fees charged by other communities in the area?

Who Manages the Complex?

Larger complexes require professional management. It might cost more to hire a professional company, but in the long run it tends to save money. Professional managers wield more bargaining power when negotiating for services such as bids for gardeners or general maintenance because they represent such a larger number of complexes.

How Many Units are Rented?

Nobody likes tenants. It's not that tenants are bad people, but there is some truth that renters don't take care of property the same way an owner occupant would care for it. In addition, some lenders will not loan money to a buyer if more than 25% of the units in the complex are rented out. Some homeowner associations refuse to let owners rent their unit for more than 30 to 60 days, if at all.

What are the Amenities, Parking and Pet Restrictions?

      Find out the hours of use for pools, spas and recreation areas such as tennis courts or game rooms and check to see that those times work with your schedule.

      How is guest parking handled, and how many parking spots are deeded with each unit? Is it possible to rent an extra parking space if you need it?

      How much will you be charged to replace a lost key for the security gate or clubhouse?

      How many pets can you have? Are there size restrictions? Are you allowed to bring pets through the lobby on a leash?

Finally, talk to the people who live there. Pull into the parking lot or garage in the late afternoon when homeowners are coming home from work. If they hate the homeowner association, they will tell you in no uncertain terms what is wrong with it. Better to find out the sentiment and reasons behind it before you buy than afterward. HOAs have the power to regulate and monetarily penalize owners for violations like never before, so make sure you completely understand what you are buying into before you sign on the bottom line. 

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Economic Factors besides Price affecting home sales

Factors that affect the market: 

Supply: MLS, FSBO, and builder inventory.  Closed sales and Pending sales

Reasonable time on the market:  Different for different markets and locations within each city/county.  Over 55 communities’ verses regular residential.

Condition of Home:  Curb appeal, updated or not updated, Roof life

Utility:  In order for a commodity to have value it must satisfy a need or a want and in order to do that it must provide some form of utility to its owner.

Purchasing Power =  Interest rates and borrower credit.  It use to be one could have a very low credit score to get a loan.  Not anymore, which has taken many buyers out of the market.

Demand:  When it comes to real estate its location and utility are what drives the desire to own it.

Marketing:  The more people who know your home is for sale the better chance it has to sell.

All these factors apply when it comes to selling real estate not just the price.

Your Realtor needs to understand these factors to keep up with the market to properly advise their seller. 

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