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#30-oct2020
xochilt1320 · 3 years
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Hoy es de esos días donde te sientes mal y no sabes porque, de esos días donde se te apachurra el corazón, de esos días donde nada te alivia...
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uneventfull · 4 years
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2 October 2020
don’t say that you love me
i’ll take it too far
an innocent splinter
turned permanent scar
tell me i’m wicked
unlock the bell jar
just don’t say that you love me
i’ll take it too far
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Yale Area 2020 Real Estate Report
You may request specific insights about East Rock, Prospect, Chapel,  Winchester and Science Park. We can meet at the Art Gallery.
3Q2020 New Haven Milford Metro Ct Real Estate Market Report Nov 28, 2020 -- The Third Quarter of 2020 delivered a unique summer market due to the  continuing burden of COVID-19  that shutdown our economy beginning March 12, 2020. Although things were relaxed in the summer we are witnessing increased reports of C19 cases for multiple reasons, mostly people refusing to maintain social distance protocols. Sadly, the USA has one of the highest per capita rates of infection in the world in November  2020,  while enjoying some of the greatest access medical and informational technology    
Connecticut surpassed USA Average National Appreciation Values ending 3Q2020 --
Connecticut (CT) is currently in 25th position  delivering an impressive (based on previous performance)   one year  appreciation of 7.84% (relative to four quarters ago),  one quarter appreciation of 4.18%,  five year appreciation of 16.35% and total appreciation since 1991 of 89.35%
The  Connecticut real estate market powered through Summer 2020 with virtual open houses, electronic documents, and social distancing protocols that enabled motivated parties to complete transactions. Remote Socially Secure Technology has rapidly accelerated and reshaped the Metro NYC commuter economy due to the hyper quick forced implementation of social distancing, and , *IMO* has forever changed the definition of work and commuting. My Milford New Haven Metro  has seen an increased presence of New York license plates which may support reports of a NYC outbound migration, which has driven up prices in my market with less inventory. We may see people moving remote location out west to capitalize on  short ter, ,migration and lower prices, however my Milford New Haven CT Metro Market will continue to appreciate and retain value based on the multiple vales of our location, location location. Your personal real estate market is hyper local as defined by my PALCompReport (Price Amenities & Location)  
2.72% FHFA 30 year fixed rates have continued their exploration of  historic lows  (2020-11-25 2.72%)
New Haven County 3+ bedroom w/ 2 or 3 baths homes for sale/ month  has dropped from 1409 in Jan2019 to 1311 in Jan2020 to 1078 in Oct2020,
New Haven County 3+ bedroom w/ 2 or 3 baths (price per square foot) has risen from $137/sqft in Jan2019 to $141/sqft in Jan2020 to $148/sqft in Oct2020,
New Haven County 3+ bedroom w/ 2 or 3 baths Closed Transaction have ranged from from June2017 (3752), to a March 2020 precovid low (3645), the dropping to the June2020 (3459) social distance low then displaying a COVID19 Oct2020  (3842) recovery, the most transactions available in this resource since 2003, which may support my position that Connecticut is undervalued based on our vast resources of location, climate, recreation, art,  bioscience, manufacturing, technology, financial services, education, healthcare and well known quality of life.
 It will be interesting to see if this matrix of less property, more transactions & higher prices are sustained in 2021 with news of a COVID19 vaccine on the horizon.
The FHFA House 3Q2020 Price Index for my Milford New Haven Metro (All-Transactions Indexes estimated using Sales Prices and Appraisal Data))  value went up  4.67  to 197.01  (a value comparable to 195.05 in 2Q2009).  Remember my Carr Value Shelf identified the range of 173 (4Q2014) to  178.06  (3Q2017)  as a probable range of statistical stability comparable to the 1991-1997 Connecticut value shelf. As a real estate professional I must say that past performance does not assure future results however housing is a leveraged quality of life acquisition as well as an investment. If you have to pay to live somewhere I believe it is wise to consider the financial benefits provided by ownership of real property.
At this point in our history the only people who are technically "underwater in my Metro are ones who purchased after 4Q2004 in the period leading up the the great recession,  which peaked in 1Q2007.  People who purchased after 2Q2009 now have positive equity in their homes if they stayed the course. Many people who stayed the course were supported with HAMP and HARP programs which addressed the irrational exuberance period no document lending      
My market has finally attained the Highly Respectable Inclusion of the Top 20 Metropolitan Areas Ranked by Annual Appreciation  !! Our New Haven-Milford Metro CT  home attained 8th position of the top 100  with one year appreciation of 10.9%,one quarter appreciation of 7.47% 5 year appreciation of 20.82% and 91.69% appreciation since 1991   Hartford-East Hartford-Middletown moved out of the bottom 20 with  7.08 annual appreciation,  2.87% one quarter appreciation, 13.25% five year appreciation and 68.39% appreciation since 1991  Bridgeport-Stamford-Norwalk, CT  remained in the national  bottom 20, improving to 85 (up from 89 in 2Q2020) of 100 with 5.99  annual appreciation, 2.94% one quarter appreciation, 12.97% five year appreciation and 120.34% appreciation since 1991  The FHFA House Price Index (FHFA HPI) is a broad economic measure of the movement of single-family house prices in the United States. The production of the FHFA HPI is statutorily mandated (12 U.S.C. 4542) but it began in 1995 with one of FHFA's predecessor agencies, the Office of the Federal Housing Enterprise Oversight (OFHEO).
A  1Q2014  Residential Purchase of  $100,000  with a  3Q2020 Valuation is Estimated around $126,000  (a 6.5 year appreciation of 26%)  in my "Greater New Haven Milford Ct Metro."   I bet your rent went up a bit since 2014,  and you probably spent at least $2000 a month plus plus. That $156,000 (2000x78) is gone with no equity, compared to the leveraged appreciation you might have recognized. This is why I teach people that  #HomeOwnershipBuildsWealth and cash out refis are a bad solution for unsecured debt.
Connecticut and my Milford New Haven Metro remains underappreciated despite our proximity, climate and high quality of life.This unprecedented 2020 Hot Summer COVID-19 market has created new financial opportunity (  lower interest rates and higher sales prices )  and logical challenges, ( home bound school, remote employment, social distance restrictions on businesses)  in a locally lateral market for qualified participants in Connecticut. I am confident our location, climate, quality of life and infrastructure will continue to make Connecticut an excellent place to live in 2021 and beyond. The Connecticut fiscal recovery continues as tax cuts are withheld, allowing the Rainy Day Fund to surpass it's $3.000.000.000 cap, which could allow fiscal conservation and sustainable, long term municipal debt retirement. Connecticut has a history of debt creation to fund tax cuts which has proven to be an ineffective long term management program, as evidenced in other states with potentially bankrupt national municipalities. Since 1996 I am here to help you discern value and quality of life when the time is right for you.  People move because it’s the right time more than anything else. People complete home purchases with higher interest rates in more challenging historical environments than today. Is there anything I can do to help you make a good decision?  I am here to help. Copyright©11/28/2020 All Rights Reserved. My opinions are mine, my facts are authentic, my attention to your success is relentless.   Follow me on twitter @ctrealdavecarr
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Milford CT New Haven CT 2020 Real Estate Report
3Q2020 New Haven Milford Metro Ct Real Estate Market ReportNov 28, 2020 -- The Third Quarter of 2020 delivered a unique summer market due to the  continuing burden of COVID-19  that shutdown our economy beginning March 12, 2020. Although things were relaxed in the summer we are witnessing increased reports of C19 cases for multiple reasons, mostly people refusing to maintain social distance protocols. Sadly, the USA has one of the highest per capita rates of infection in the world in November  2020,  while enjoying some of the greatest access medical and informational technology    
Connecticut surpassed USA Average National Appreciation Values ending 3Q2020 --
Connecticut (CT) is currently in 25th position  delivering an impressive (based on previous performance)   one year  appreciation of 7.84% (relative to four quarters ago),  one quarter appreciation of 4.18%,  five year appreciation of 16.35% and total appreciation since 1991 of 89.35%
The  Connecticut real estate market powered through Summer 2020 with virtual open houses, electronic documents, and social distancing protocols that enabled motivated parties to complete transactions. Remote Socially Secure Technology has rapidly accelerated and reshaped the Metro NYC commuter economy due to the hyper quick forced implementation of social distancing, and , *IMO* has forever changed the definition of work and commuting. My Milford New Haven Metro  has seen an increased presence of New York license plates which may support reports of a NYC outbound migration, which has driven up prices in my market with less inventory. We may see people moving remote location out west to capitalize on  short ter, ,migration and lower prices, however my Milford New Haven CT Metro Market will continue to appreciate and retain value based on the multiple vales of our location, location location. Your personal real estate market is hyper local as defined by my PALCompReport (Price Amenities & Location)  
2.72% FHFA 30 year fixed rates have continued their exploration of  historic lows  (2020-11-25 2.72%)
New Haven County 3+ bedroom w/ 2 or 3 baths homes for sale/ month  has dropped from 1409 in Jan2019 to 1311 in Jan2020 to 1078 in Oct2020,
New Haven County 3+ bedroom w/ 2 or 3 baths (price per square foot) has risen from $137/sqft in Jan2019 to $141/sqft in Jan2020 to $148/sqft in Oct2020,
New Haven County 3+ bedroom w/ 2 or 3 baths Closed Transaction have ranged from from June2017 (3752), to a March 2020 precovid low (3645), the dropping to the June2020 (3459) social distance low then displaying a COVID19 Oct2020  (3842) recovery, the most transactions available in this resource since 2003, which may support my position that Connecticut is undervalued based on our vast resources of location, climate, recreation, art,  bioscience, manufacturing, technology, financial services, education, healthcare and well known quality of life.
 It will be interesting to see if this matrix of less property, more transactions & higher prices are sustained in 2021 with news of a COVID19 vaccine on the horizon.
The FHFA House 3Q2020 Price Index for my Milford New Haven Metro (All-Transactions Indexes estimated using Sales Prices and Appraisal Data))  value went up  4.67  to 197.01  (a value comparable to 195.05 in 2Q2009).  Remember my Carr Value Shelf identified the range of 173 (4Q2014) to  178.06  (3Q2017)  as a probable range of statistical stability comparable to the 1991-1997 Connecticut value shelf. As a real estate professional I must say that past performance does not assure future results however housing is a leveraged quality of life acquisition as well as an investment. If you have to pay to live somewhere I believe it is wise to consider the financial benefits provided by ownership of real property.
At this point in our history the only people who are technically "underwater in my Metro are ones who purchased after 4Q2004 in the period leading up the the great recession,  which peaked in 1Q2007.  People who purchased after 2Q2009 now have positive equity in their homes if they stayed the course. Many people who stayed the course were supported with HAMP and HARP programs which addressed the irrational exuberance period no document lending      
My market has finally attained the Highly Respectable Inclusion of the Top 20 Metropolitan Areas Ranked by Annual Appreciation  !! Our New Haven-Milford Metro CT  home attained 8th position of the top 100  with one year appreciation of 10.9%,one quarter appreciation of 7.47% 5 year appreciation of 20.82% and 91.69% appreciation since 1991   Hartford-East Hartford-Middletown moved out of the bottom 20 with  7.08 annual appreciation,  2.87% one quarter appreciation, 13.25% five year appreciation and 68.39% appreciation since 1991  Bridgeport-Stamford-Norwalk, CT  remained in the national  bottom 20, improving to 85 (up from 89 in 2Q2020) of 100 with 5.99  annual appreciation, 2.94% one quarter appreciation, 12.97% five year appreciation and 120.34% appreciation since 1991  The FHFA House Price Index (FHFA HPI) is a broad economic measure of the movement of single-family house prices in the United States. The production of the FHFA HPI is statutorily mandated (12 U.S.C. 4542) but it began in 1995 with one of FHFA's predecessor agencies, the Office of the Federal Housing Enterprise Oversight (OFHEO).
A  1Q2014  Residential Purchase of  $100,000  with a  3Q2020 Valuation is Estimated around $126,000  (a 6.5 year appreciation of 26%)  in my "Greater New Haven Milford Ct Metro."   I bet your rent went up a bit since 2014,  and you probably spent at least $2000 a month plus plus. That $156,000 (2000x78) is gone with no equity, compared to the leveraged appreciation you might have recognized. This is why I teach people that  #HomeOwnershipBuildsWealth and cash out refis are a bad solution for unsecured debt.
Connecticut and my Milford New Haven Metro remains underappreciated despite our proximity, climate and high quality of life.This unprecedented 2020 Hot Summer COVID-19 market has created new financial opportunity (  lower interest rates and higher sales prices )  and logical challenges, ( home bound school, remote employment, social distance restrictions on businesses)  in a locally lateral market for qualified participants in Connecticut. I am confident our location, climate, quality of life and infrastructure will continue to make Connecticut an excellent place to live in 2021 and beyond. The Connecticut fiscal recovery continues as tax cuts are withheld, allowing the Rainy Day Fund to surpass it's $3.000.000.000 cap, which could allow fiscal conservation and sustainable, long term municipal debt retirement. Connecticut has a history of debt creation to fund tax cuts which has proven to be an ineffective long term management program, as evidenced in other states with potentially bankrupt national municipalities. Since 1996 I am here to help you discern value and quality of life when the time is right for you.  People move because it’s the right time more than anything else. People complete home purchases with higher interest rates in more challenging historical environments than today. Is there anything I can do to help you make a good decision?  I am here to help. Copyright©11/28/2020 All Rights Reserved. My opinions are mine, my facts are authentic, my attention to your success is relentless.   Follow me on twitter @ctrealdavecarr
0 notes
Text
Fall 2020 New Haven Milford Ct Real Estate Report
3Q2020 New Haven Milford Metro Ct Real Estate Market ReportNov 28, 2020 -- The Third Quarter of 2020 delivered a unique summer market due to the  continuing burden of COVID-19  that shutdown our economy beginning March 12, 2020. Although things were relaxed in the summer we are witnessing increased reports of C19 cases for multiple reasons, mostly people refusing to maintain social distance protocols. Sadly, the USA has one of the highest per capita rates of infection in the world in November  2020,  while enjoying some of the greatest access medical and informational technology    
Connecticut surpassed USA Average National Appreciation Values ending 3Q2020 --
Connecticut (CT) is currently in 25th position  delivering an impressive (based on previous performance)   one year  appreciation of 7.84% (relative to four quarters ago),  one quarter appreciation of 4.18%,  five year appreciation of 16.35% and total appreciation since 1991 of 89.35%
The  Connecticut real estate market powered through Summer 2020 with virtual open houses, electronic documents, and social distancing protocols that enabled motivated parties to complete transactions. Remote Socially Secure Technology has rapidly accelerated and reshaped the Metro NYC commuter economy due to the hyper quick forced implementation of social distancing, and , *IMO* has forever changed the definition of work and commuting. My Milford New Haven Metro  has seen an increased presence of New York license plates which may support reports of a NYC outbound migration, which has driven up prices in my market with less inventory. We may see people moving remote location out west to capitalize on  short ter, ,migration and lower prices, however my Milford New Haven CT Metro Market will continue to appreciate and retain value based on the multiple vales of our location, location location. Your personal real estate market is hyper local as defined by my PALCompReport (Price Amenities & Location)  
2.72% FHFA 30 year fixed rates have continued their exploration of  historic lows  (2020-11-25 2.72%)
New Haven County 3+ bedroom w/ 2 or 3 baths homes for sale/ month  has dropped from 1409 in Jan2019 to 1311 in Jan2020 to 1078 in Oct2020,
New Haven County 3+ bedroom w/ 2 or 3 baths (price per square foot) has risen from $137/sqft in Jan2019 to $141/sqft in Jan2020 to $148/sqft in Oct2020,
New Haven County 3+ bedroom w/ 2 or 3 baths Closed Transaction have ranged from from June2017 (3752), to a March 2020 precovid low (3645), the dropping to the June2020 (3459) social distance low then displaying a COVID19 Oct2020  (3842) recovery, the most transactions available in this resource since 2003, which may support my position that Connecticut is undervalued based on our vast resources of location, climate, recreation, art,  bioscience, manufacturing, technology, financial services, education, healthcare and well known quality of life.
 It will be interesting to see if this matrix of less property, more transactions & higher prices are sustained in 2021 with news of a COVID19 vaccine on the horizon.
The FHFA House 3Q2020 Price Index for my Milford New Haven Metro (All-Transactions Indexes estimated using Sales Prices and Appraisal Data))  value went up  4.67  to 197.01  (a value comparable to 195.05 in 2Q2009).  Remember my Carr Value Shelf identified the range of 173 (4Q2014) to  178.06  (3Q2017)  as a probable range of statistical stability comparable to the 1991-1997 Connecticut value shelf. As a real estate professional I must say that past performance does not assure future results however housing is a leveraged quality of life acquisition as well as an investment. If you have to pay to live somewhere I believe it is wise to consider the financial benefits provided by ownership of real property.
At this point in our history the only people who are technically "underwater in my Metro are ones who purchased after 4Q2004 in the period leading up the the great recession,  which peaked in 1Q2007.  People who purchased after 2Q2009 now have positive equity in their homes if they stayed the course. Many people who stayed the course were supported with HAMP and HARP programs which addressed the irrational exuberance period no document lending      
My market has finally attained the Highly Respectable Inclusion of the Top 20 Metropolitan Areas Ranked by Annual Appreciation  !! Our New Haven-Milford Metro CT  home attained 8th position of the top 100  with one year appreciation of 10.9%,one quarter appreciation of 7.47% 5 year appreciation of 20.82% and 91.69% appreciation since 1991   Hartford-East Hartford-Middletown moved out of the bottom 20 with  7.08 annual appreciation,  2.87% one quarter appreciation, 13.25% five year appreciation and 68.39% appreciation since 1991  Bridgeport-Stamford-Norwalk, CT  remained in the national  bottom 20, improving to 85 (up from 89 in 2Q2020) of 100 with 5.99  annual appreciation, 2.94% one quarter appreciation, 12.97% five year appreciation and 120.34% appreciation since 1991  The FHFA House Price Index (FHFA HPI) is a broad economic measure of the movement of single-family house prices in the United States. The production of the FHFA HPI is statutorily mandated (12 U.S.C. 4542) but it began in 1995 with one of FHFA's predecessor agencies, the Office of the Federal Housing Enterprise Oversight (OFHEO).
A  1Q2014  Residential Purchase of  $100,000  with a  3Q2020 Valuation is Estimated around $126,000  (a 6.5 year appreciation of 26%)  in my "Greater New Haven Milford Ct Metro."   I bet your rent went up a bit since 2014,  and you probably spent at least $2000 a month plus plus. That $156,000 (2000x78) is gone with no equity, compared to the leveraged appreciation you might have recognized. This is why I teach people that  #HomeOwnershipBuildsWealth and cash out refis are a bad solution for unsecured debt.
Connecticut and my Milford New Haven Metro remains underappreciated despite our proximity, climate and high quality of life.This unprecedented 2020 Hot Summer COVID-19 market has created new financial opportunity (  lower interest rates and higher sales prices )  and logical challenges, ( home bound school, remote employment, social distance restrictions on businesses)  in a locally lateral market for qualified participants in Connecticut. I am confident our location, climate, quality of life and infrastructure will continue to make Connecticut an excellent place to live in 2021 and beyond. The Connecticut fiscal recovery continues as tax cuts are withheld, allowing the Rainy Day Fund to surpass it's $3.000.000.000 cap, which could allow fiscal conservation and sustainable, long term municipal debt retirement. Connecticut has a history of debt creation to fund tax cuts which has proven to be an ineffective long term management program, as evidenced in other states with potentially bankrupt national municipalities. Since 1996 I am here to help you discern value and quality of life when the time is right for you.  People move because it’s the right time more than anything else. People complete home purchases with higher interest rates in more challenging historical environments than today. Is there anything I can do to help you make a good decision?  I am here to help. Copyright©11/28/2020 All Rights Reserved. My opinions are mine, my facts are authentic, my attention to your success is relentless.   Follow me on twitter @ctrealdavecarr
0 notes
Fall 2020 New Haven Milford Metro CT Real Estate Report
3Q2020 New Haven Milford Metro Ct Real Estate Market ReportNov 28, 2020 -- The Third Quarter of 2020 delivered a unique summer market due to the  continuing burden of COVID-19  that shutdown our economy beginning March 12, 2020. Although things were relaxed in the summer we are witnessing increased reports of C19 cases for multiple reasons, mostly people refusing to maintain social distance protocols. Sadly, the USA has one of the highest per capita rates of infection in the world in November  2020,  while enjoying some of the greatest access medical and informational technology    
Connecticut surpassed USA Average National Appreciation Values ending 3Q2020 --
Connecticut (CT) is currently in 25th position  delivering an impressive (based on previous performance)   one year  appreciation of 7.84% (relative to four quarters ago),  one quarter appreciation of 4.18%,  five year appreciation of 16.35% and total appreciation since 1991 of 89.35%
The  Connecticut real estate market powered through Summer 2020 with virtual open houses, electronic documents, and social distancing protocols that enabled motivated parties to complete transactions. Remote Socially Secure Technology has rapidly accelerated and reshaped the Metro NYC commuter economy due to the hyper quick forced implementation of social distancing, and , *IMO* has forever changed the definition of work and commuting. My Milford New Haven Metro  has seen an increased presence of New York license plates which may support reports of a NYC outbound migration, which has driven up prices in my market with less inventory. We may see people moving remote location out west to capitalize on  short ter, ,migration and lower prices, however my Milford New Haven CT Metro Market will continue to appreciate and retain value based on the multiple vales of our location, location location. Your personal real estate market is hyper local as defined by my PALCompReport (Price Amenities & Location)  
2.72% FHFA 30 year fixed rates have continued their exploration of  historic lows  (2020-11-25 2.72%)
New Haven County 3+ bedroom w/ 2 or 3 baths homes for sale/ month  has dropped from 1409 in Jan2019 to 1311 in Jan2020 to 1078 in Oct2020,
New Haven County 3+ bedroom w/ 2 or 3 baths (price per square foot) has risen from $137/sqft in Jan2019 to $141/sqft in Jan2020 to $148/sqft in Oct2020,
New Haven County 3+ bedroom w/ 2 or 3 baths Closed Transaction have ranged from from June2017 (3752), to a March 2020 precovid low (3645), the dropping to the June2020 (3459) social distance low then displaying a COVID19 Oct2020  (3842) recovery, the most transactions available in this resource since 2003, which may support my position that Connecticut is undervalued based on our vast resources of location, climate, recreation, art,  bioscience, manufacturing, technology, financial services, education, healthcare and well known quality of life.
 It will be interesting to see if this matrix of less property, more transactions & higher prices are sustained in 2021 with news of a COVID19 vaccine on the horizon.
The FHFA House 3Q2020 Price Index for my Milford New Haven Metro (All-Transactions Indexes estimated using Sales Prices and Appraisal Data))  value went up  4.67  to 197.01  (a value comparable to 195.05 in 2Q2009).  Remember my Carr Value Shelf identified the range of 173 (4Q2014) to  178.06  (3Q2017)  as a probable range of statistical stability comparable to the 1991-1997 Connecticut value shelf. As a real estate professional I must say that past performance does not assure future results however housing is a leveraged quality of life acquisition as well as an investment. If you have to pay to live somewhere I believe it is wise to consider the financial benefits provided by ownership of real property.
At this point in our history the only people who are technically "underwater in my Metro are ones who purchased after 4Q2004 in the period leading up the the great recession,  which peaked in 1Q2007.  People who purchased after 2Q2009 now have positive equity in their homes if they stayed the course. Many people who stayed the course were supported with HAMP and HARP programs which addressed the irrational exuberance period no document lending      
My market has finally attained the Highly Respectable Inclusion of the Top 20 Metropolitan Areas Ranked by Annual Appreciation  !! Our New Haven-Milford Metro CT  home attained 8th position of the top 100  with one year appreciation of 10.9%,one quarter appreciation of 7.47% 5 year appreciation of 20.82% and 91.69% appreciation since 1991   Hartford-East Hartford-Middletown moved out of the bottom 20 with  7.08 annual appreciation,  2.87% one quarter appreciation, 13.25% five year appreciation and 68.39% appreciation since 1991  Bridgeport-Stamford-Norwalk, CT  remained in the national  bottom 20, improving to 85 (up from 89 in 2Q2020) of 100 with 5.99  annual appreciation, 2.94% one quarter appreciation, 12.97% five year appreciation and 120.34% appreciation since 1991  The FHFA House Price Index (FHFA HPI) is a broad economic measure of the movement of single-family house prices in the United States. The production of the FHFA HPI is statutorily mandated (12 U.S.C. 4542) but it began in 1995 with one of FHFA's predecessor agencies, the Office of the Federal Housing Enterprise Oversight (OFHEO).
A  1Q2014  Residential Purchase of  $100,000  with a  3Q2020 Valuation is Estimated around $126,000  (a 6.5 year appreciation of 26%)  in my "Greater New Haven Milford Ct Metro."   I bet your rent went up a bit since 2014,  and you probably spent at least $2000 a month plus plus. That $156,000 (2000x78) is gone with no equity, compared to the leveraged appreciation you might have recognized. This is why I teach people that  #HomeOwnershipBuildsWealth and cash out refis are a bad solution for unsecured debt.
Connecticut and my Milford New Haven Metro remains underappreciated despite our proximity, climate and high quality of life.This unprecedented 2020 Hot Summer COVID-19 market has created new financial opportunity (  lower interest rates and higher sales prices )  and logical challenges, ( home bound school, remote employment, social distance restrictions on businesses)  in a locally lateral market for qualified participants in Connecticut. I am confident our location, climate, quality of life and infrastructure will continue to make Connecticut an excellent place to live in 2021 and beyond. The Connecticut fiscal recovery continues as tax cuts are withheld, allowing the Rainy Day Fund to surpass it's $3.000.000.000 cap, which could allow fiscal conservation and sustainable, long term municipal debt retirement. Connecticut has a history of debt creation to fund tax cuts which has proven to be an ineffective long term management program, as evidenced in other states with potentially bankrupt national municipalities. Since 1996 I am here to help you discern value and quality of life when the time is right for you.  People move because it’s the right time more than anything else. People complete home purchases with higher interest rates in more challenging historical environments than today. Is there anything I can do to help you make a good decision?  I am here to help. Copyright©11/28/2020 All Rights Reserved. My opinions are mine, my facts are authentic, my attention to your success is relentless.   Follow me on twitter @ctrealdavecarr
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moterografo · 3 years
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💃 Ruta en Moto por Andalucía OCT2020: Día 1/5 >Sevilla - Estepa - Frailes - Alcalá la Real - Alcaudete - Martos - Jaén
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Ruta : Sevilla - Estepa - Frailes - Alcalá la Real - Alcaudete - Jaén
Distancia Aprox: 318 Kms
Tiempo Estim: 4h 30 min
Link al día siguiente 👉
👇🏼 Más fotos👇🏼
Nuestro viaje comenzó a las afueras de Sevilla sobre las 8.30 de la mañana. Este día nos tocaba alejarnos cuanto antes de la provincia hispalense para no llegar demasiado tarde a nuestro primer destino turístico: Frailes. 
Frailes
Lamentablemente y debido a la pandemia de COVID no pudimos hacer gran cosa en Frailes. Nos habría encantado haber paseado por su Puente Colgante sobre el río Guadalquivir, pero no pudo ser... 
Nos contentamos con una parada en la Fuente del Nacimiento, donde pudimos refrescarnos con el agua de la sierra en la que se emplaza esta diminuta población. 
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Alcalá la Real
Esta ciudad “real” por edicto de Alfonso XI de Castilla en 1341 está coronada por una imponente fortaleza llamada Fortaleza de la Mota. El actual conjunto data de la segunda mitad del siglo XIII y es obra de tipo nazarí aunque aprovechó fortificaciones anteriores, como es habitual en estos casos. Alcalá la Real, en la Edad Media, estaba vertebrada por tres recintos fortificados típicos de la ciudad musulmana: la alcazaba que corona el cerro donde se ubicaba la ciudad, el alcázar y un recinto exterior que abraza el resto del caserío. 
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Las calles de Alcalá la Real están salpicadas de pequeñas iglesias, típico de cualquier ciudad de frontera con los diferentes reinos musulmanes. Era necesario contrarrestar los efectos de la ocupación islámica anterior con una buena inversión en iglesias que ayudaran al control de la fe y de la población tanto de cristianos viejos como nuevos. 
También son destacables las casas con galerías, más típicas del norte de nuestro país que de estas latitudes, lo que sin duda nos habla de los crudos inviernos que soportan sus ciudadanos en estancias elevadas a unos 1000m sobre el nivel del mar. 
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Alcaudete
Antes de llegar a Jaén hicimos parada en Alcaudete para poder disfrutar de las vistas desde su Castillo-Palacio así como de la Iglesia de Santa María la Mayor. Lamentablemente por culpa de la situación de emergencia por pandemia de COVID ninguna de estas instalaciones estaba disponible para su visita. Sin embargo pudimos recorrer la edificación todo alrededor disfrutando de sus imponentes muros. 
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Jaén
Nuestro destino del día era Jaén capital, a la que nos dirigimos después del descanso en Alcaudete. Antes de entrar en la ciudad subimos directamente al Castillo de Santa Catalina, en donde también hay un imponente Parador Nacional. 
Aunque la bases de este castillo fueron una alcazaba musulmana, la actual construcción visible es de origen cristiano, siendo erigida tras la conquista de la ciudad por Fernando III en 1246 tras arrebatarla al rey musulman Al-Ahmar. Posteriormente esta edificación fue ampliada por Alfonso X y Fernando IV.
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Jardines engalanados con mimo rodean a esta imponente masa de piedra y argamasa que sirven de ambientación perfecta para deleitarse con las imponentes vistas tanto a las sierras circundantes como de la ciudad de Jaén, coronada por su Catedral, de la que podremos dar mejor cuenta durante la visita que haremos a la mañana siguiente.
El día se terminó y, tras un paseo por el centro la noche acabó con una ensalada espectacular made in Peña Flamenca de Jaén. 
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bangkok-yoyaku · 4 years
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"RECONOCE TU LEGADO FAMILIAR, TRANSFORMA Y EMPONDERATE" COMENZAMOS HOY MIERCOLES 21!!! 730pm hora Perú TE invitamos a nuestra: II FORMACIÓN ONLINE DE CONSTELACIONES FAMILIARES TRANSPERSONALES Oct2020 - May2021. Llevar a la humanidad a CONSTELAR es una gran oportunidad que nos da el universo, y que los ancestros aplauden. Es una herramienta para trasformar nuestras vidas, honrando todo el árbol genealógico que nos vio nacer y crecer en esta existencia, para evolucionar. Con las constelaciones no solo nos hacemos conscientes de las herencias de creencias, situaciones, programas, enfermedades y patrones que heredamos de nuestros familiares y ancestros, si no tambien de devolver con amor todo lo que hoy nos limita avanzar, crecer o poner en su justo lugar las cosas. Al reparar o ubicar mejor las energías en todo nuestro sistema familiar, te beneficias tú directamente, pero también las 7 o más generaciones anteriores y todas las generaciones posteriores a ti. MARAVILLOSO!... VERDAD? Aprenderemos como aplicar los principios para sanar y armonizar relaciones familiares, parejas, prosperidad, proyectos y realización personal. A cargo de: Dr. David Marin Cabrera. Psicólogo y constelador familiar. Adalberto J. Pineda. Terapeuta holístico y constelador familiar. Modalidad: 6 módulos de 4 semanas c/u. Las clases serán realizadas en línea los lunes, miércoles y viernes de 7:30 a 9:30 pm hora Perú. Informes e inscripciones. Via WhatsApp: +584128992967 +51917811272 @davidmarincabreraschool [email protected] #constelacionesfamiliares #constelaciones #constelador #relaciones #vinculos #padres #madre #hijos #sicologia #terapias #terapeutas #formaciononline #formacion #familiar #familia #hellinger #arbolgenealogico #genealogia #sanacion #psicologia #transpersonal #sistemico #holistico #armonizar #parejas #realizacion #creencias #patrones #programas #online https://www.instagram.com/p/CGnWSxEBia8/?igshid=r9v4n8f5klw
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"RECONOCE TU LEGADO FAMILIAR, TRANSFORMA Y EMPONDERATE" COMENZAMOS PASADO MAÑANA MIERCOLES 21!!! TE invitamos a nuestra: II FORMACIÓN ONLINE DE CONSTELACIONES FAMILIARES TRANSPERSONALES Oct2020 - May2021. Llevar a la humanidad a CONSTELAR es una gran oportunidad que nos da el universo, y que los ancestros aplauden. Es una herramienta para trasformar nuestras vidas, honrando todo el árbol genealógico que nos vio nacer y crecer en esta existencia, para evolucionar. Con las constelaciones no solo nos hacemos conscientes de las herencias de creencias, situaciones, programas, enfermedades y patrones que heredamos de nuestros familiares y ancestros, si no tambien de devolver con amor todo lo que hoy nos limita avanzar, crecer o poner en su justo lugar las cosas. Al reparar o ubicar mejor las energías en todo nuestro sistema familiar, te beneficias tú directamente, pero también las 7 o más generaciones anteriores y todas las generaciones posteriores a ti. MARAVILLOSO!... VERDAD? Aprenderemos como aplicar los principios para sanar y armonizar relaciones familiares, parejas, prosperidad, proyectos y realización personal. A cargo de: Dr. David Marin Cabrera. Psicólogo y constelador familiar. Adalberto J. Pineda. Terapeuta holístico y constelador familiar. Modalidad: 6 módulos de 4 semanas c/u. Las clases serán realizadas en línea los lunes, miércoles y viernes de 7:30 a 9:30 pm hora Perú. Fecha de inicio: Miércoles 21 de octubre. Informes e inscripciones. Via WhatsApp: +584128992967 +51917811272 @davidmarincabreraschool [email protected] #constelacionesfamiliares #constelaciones #constelador #relaciones #vinculos #padres #madre #hijos #sicologia #terapias #terapeutas #formaciononline #formacion #familiar #familia #hellinger #arbolgenealogico #genealogia #sanacion #psicologia #transpersonal #sistemico #holistico #armonizar #parejas #realizacion #creencias #patrones #programas #online https://www.instagram.com/p/CGh7HROhQO1/?igshid=ip0my18vcxc6
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"RECONOCE TU LEGADO FAMILIAR, TRANSFORMA Y EMPONDERATE" COMENZAMOS PASADO MAÑANA MIERCOLES 21!!! 10% DE DESCUENTO EN PAGOS MENSUALES Y TRIMESTRALES!!! OFERTA EN PAGO INMEDIATO (1 persona) 1100 Doles o 325 usd$ OFERTA EN PAGO INMEDIATO TANDEM (2 personas) 2000 Soles o 600 usd$ DESCUENTOS ESPECIALES PARA PERSONAS EN VENEZUELA Y ARGENTINA TE invitamos a nuestra: II FORMACIÓN ONLINE DE CONSTELACIONES FAMILIARES TRANSPERSONALES Oct2020 - May2021. Llevar a la humanidad a CONSTELAR es una gran oportunidad que nos da el universo, y que los ancestros aplauden. Es una herramienta para trasformar nuestras vidas, honrando todo el árbol genealógico que nos vio nacer y crecer en esta existencia, para evolucionar. Con las constelaciones no solo nos hacemos conscientes de las herencias de creencias, situaciones, programas, enfermedades y patrones que heredamos de nuestros familiares y ancestros, si no tambien de devolver con amor todo lo que hoy nos limita avanzar, crecer o poner en su justo lugar las cosas. Al reparar o ubicar mejor las energías en todo nuestro sistema familiar, te beneficias tú directamente, pero también las 7 o más generaciones anteriores y todas las generaciones posteriores a ti. MARAVILLOSO!... VERDAD? Aprenderemos como aplicar los principios para sanar y armonizar relaciones familiares, parejas, prosperidad, proyectos y realización personal. A cargo de: Dr. David Marin Cabrera. Psicólogo y constelador familiar. Adalberto J. Pineda. Terapeuta holístico y constelador familiar. Modalidad: 6 módulos de 4 semanas c/u. Las clases serán realizadas en línea los lunes, miércoles y viernes de 7:30 a 9:30 pm hora Perú. Fecha de inicio: Miércoles 21 de octubre. Informes e inscripciones. Via WhatsApp: +584128992967 +51917811272 @davidmarincabreraschool [email protected] #constelacionesfamiliares #constelaciones #constelador #relaciones #vinculos #padres #madre #hijos #sicologia #terapias #terapeutas #formaciononline #formacion #familiar #familia #hellinger #arbolgenealogico #genealogia #sanacion #psicologia #transpersonal #sistemico #holistico #armonizar #parejas #realizacion #creencias #patrones #programas #online https://www.instagram.com/p/CGh5tHKhFgA/?igshid=k2b78oi22eah
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"RECONOCE TU LEGADO FAMILIAR, TRANSFORMA Y EMPONDERATE" A POCOS DÍAS DE EMPEZAR!!! TE invitamos a nuestra: II FORMACIÓN ONLINE DE CONSTELACIONES FAMILIARES TRANSPERSONALES Oct2020 - May2021. Iniciamos el miércoles 21 de octubre. Llevar a la humanidad a CONSTELAR es una gran oportunidad que nos da el universo, y que los ancestros aplauden. Es una herramienta para trasformar nuestras vidas, honrando todo el árbol genealógico que nos vio nacer y crecer en esta existencia, para evolucionar. Con las constelaciones no solo nos hacemos conscientes de las herencias de creencias, situaciones, programas, enfermedades y patrones que heredamos de nuestros familiares y ancestros, si no tambien de devolver con amor todo lo que hoy nos limita avanzar, crecer o poner en su justo lugar las cosas. Al reparar o ubicar mejor las energías en todo nuestro sistema familiar, te beneficias tú directamente, pero también las 7 o más generaciones anteriores y todas las generaciones posteriores a ti. MARAVILLOSO!... VERDAD? Aprenderemos como aplicar los principios para sanar y armonizar relaciones familiares, parejas, prosperidad, proyectos y realización personal. A cargo de: Dr. David Marin Cabrera. Psicólogo y constelador familiar. Adalberto J. Pineda. Terapeuta holístico y constelador familiar. Modalidad: 6 módulos de 4 semanas c/u. Las clases serán realizadas en línea los lunes, miércoles y viernes de 7:30 a 9:30 pm hora Perú. Fecha de inicio: Miércoles 21 de octubre. Informes e inscripciones. Via WhatsApp: +584128992967 +51917811272 @davidmarincabreraschool [email protected] #constelacionesfamiliares #constelaciones #constelador #relaciones #vinculos #padres #madre #hijos #sicologia #terapias #terapeutas #formaciononline #formacion #familiar #familia #hellinger #arbolgenealogico #genealogia #sanacion #psicologia #transpersonal #sistemico #holistico #armonizar #parejas #realizacion #creencias #patrones #programas #online https://www.instagram.com/p/CGU_019hbEp/?igshid=13uxhmom5ya4a
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