http://www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join Lisa Pacillo, President of All Risk Insurance Group and licensed insurance broker, in deciding how to choose the best homeowners insurance policy in Florida. Lisa will explain Citizens homeowners insurance in Florida and how it compares to private insurance companies. Citizens homeowners insurance can not deny anyone in Florida but is largely a last resort insurer. Independent agents and brokers can offer more options if you are purchasing a home or changing insurance companies because of dropped coverage or increased premiums. Premiums can be reduced by increasing deductibles. For damages caused by anything other than a hurricane, such as a pipe breaking or roof collapse, there is the all other peril deductible, which can be set at $500, $1,000 or $2,500. Hurricane deductibles are set at 2%, 5% and 10% of the dwelling amount. There are also discounts available for homes with storm shutters, roof mitigation certificates, alarm systems, homes in gated communities and condos with central sprinkler systems.
Duration : 0:9:6
A Real Estate Bargain Must Be At A Discounted Price of Today’s Market Value, NOT YESTERDAYS LOSSES.
http://www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join members of Woodfield Country Club in listing the amenities offered at Florida Country Clubs. Golf is the most popular amenity offered at country clubs, but tennis, fitness centers, pools, fine dining and sports for children are also common. Stacey Klaiman, 8 year member of Woodfield Country Club attributes her dedication to the club to the fitness center. Everyone at the center knows each other and it is a comfortable environment. Valet parking and spa services, including massages, make it feel as if you are on vacation every day and working from home couldn’t be easier. Everywhere you go in the club you see familiar faces and children playing together on the street. Jim Tisdale is a regular on the golf course at Woodfield Country Club. The course features a pro shop where you can get pointers or lessons and plenty of practice on the course. Of course, you don’t have to be a pro to play, plenty of people play just for the social environment. Fern Duberman is a part of the ladies tennis team at Woodfield. The tennis director organizes programs for juniors, seniors, mixed doubles and couples. The teams play against other clubs in the area as well as public parks.
http://www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join Neil Stein, Senior mortgage consultant, of WCS Lending in discussing ways to avoid foreclosure. Neil offers advice to people who are trying to sell their house or refinance to avoid foreclosure. With the current inverse yield curve in the bond market, it is not advantageous to take out an ARM. The short term loan rates are rising and ARM payments will go up. Long term loan rates are not rising as fast as adjustable rates and may be the best option, depending on how long you intend to live in the property. Financial advisors can help you to get the best rate and will educate you about your options until you are confident you are getting the best price. Although it may seem like somebody else has a lower rate, it may end up costing more in the long-run if the mortgage rates rise or if there are hidden fees at closing. Refinancing and selling your house are great ways to avoid foreclosure, but ensuring that you get the right mortgage loan the first time is the best way to avoid the threat of foreclosure altogether.
Paul Esajian, from A& E channel’s “Flip This House,” is a real estate investing dynamo. He, along with his partners, run an incredibly organized and profitable real estate investing business. 
http://www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join members of Woodfield Country Club in Boca Raton, FL in discussing why to look for luxury country club homes for sale. Florida offers many residential options, from beach-front homes, single family homes, condos, townhomes, gated and non-gated communities and country clubs; but why should you choose the luxury country club lifestyle when looking for homes for sale? The comprehensive activities and amenities offered at Woodfield Country Club and other Boca Raton country clubs provide a close-knit family oriented community, perfect for children, parents and retired persons. Children will always find other children to play with at the playground, pool or park and parents can rest assured that their children are safe within the gated community. Adults will also take advantage of the pool and fitness center, as well as the tennis courts and golf course. There are also community dinners, buffets and other entertainment for all to enjoy. Each member benefits from the equity club and has a vested interest in the preservation of the club. The Board of Directors do their best to please the members of the club and make a positive contribution to their community.
Setbacks between 1991 and 1997. *Not a solicitation of other agents listings. Information deemed reliable but not guaranteed.