Jerome Subtil

Why Use Solar Water Heating?

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“Winter is coming”… Yes, I’m a fan.. and with the winter coming, we will have to heat up our pools!!!
As a Real Estate Professional, I want to talk about what makes our homes better.
Heating your water with solar energy can be a rewarding venture in more ways than one. In general, there are several reasons to use solar energy: Energy Independence, Environmental Impact and Financial Benefits!!

Energy Independence. Using solar can reduce your dependence upon the utility, as well as the fossil fuel companies that supply it. Solar is as reliable as getting your energy from the utility, as well. As long as the sun is shining, you’ve got energy. Many folks with solar hot water only need to use the utility for backup, and sometimes not even that. Independence can be a very gratifying experience.

Environmental Impact. It is a fact that most of our energy comes from burning fossil fuels. This leads to a wide array of environmental problems, including human-caused climate change, acid rain, mountaintop removal for coal and tar sands, and health effects around power plants. The use of nuclear energy and its long-lived, poisonous byproducts is an important issue to many. But why risk the environment, when we can take advantage of the sun which falls freely on Earth, ready to be used for our own energy needs? With the slight exception of having to manufacture the equipment needed to capture the sun’s heat, there is no environmental impact from making solar energy at our homes.

Financial Benefits. When you choose to use solar to replace all or part of what you had been using the utility for, that comes with financial savings on your utility bill. Solar-electric, as popular as it is, does not have as high an energy and cash savings per amount spent as does solar water heating. It is easy to see 50% to 100% savings on your bill, helping systems to recoup the original investment in 5 years, and as little as 3 years. The time depends largely on your local solar resource and how much utility energy costs. As with other energy technologies, there are often financial incentives to make the initial investment even more attractive. For solar hot water they can include state and federal tax credits, and state, regional, and utility rebates.

A report published by the NC Sustainable Energy Association (NCSEA) and the University of North Carolina Kenan-Flagler Business School’s Center for Sustainable Enterprise has revealed a high level of satisfaction among renewable energy system owners in the U.S. state. The desire to do the right thing has been affirmed by the ease in which solar Photo-Voltaic panel can be installed.

QUICK UPDATE OUR LOCAL MARKET:  Our local market is still going strong!! Based on a recent study, there is only a 2% chance to have the housing market price go down in the next 2 years. Moreover, the predictions for 2017 are extremely positive for the First Time Home buyers. 
Some of the major development projects out west are doing well: “7 Bridges”, the “Valencias”.. as well as some of the most luxurious building near the ocean such as “The Mandarin Oriental Residences” and “The Palmetto Promenade”. Go drive by and you will see things changing at a very rapid pace.


Jerome Subtil
561-667-4045
Signature International

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IMPACT WINDOWS: A Necessary Investment ?

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IMPACT WINDOWS: A Necessary Investment ?

After IRMA, here is the question most people have been asking me as their real estate professional.Should I get Impact windows, Do I get my money back when I sell, Is it worth it…?
Here some fundamental info:

What if the three little pigs had chosen impact windows? 
The best way to keep the wolf away from the windows is to choose strong, durable, proven impact windows to protect your home and your family.

Impact windows are designed to resist the penetration of flying debris during a storm, thereby protecting a home or commercial structure from wind infiltration and resulting damages. Once a structure is compromised, internal pressure builds up, leading to serious structural damage. The window must meet hurricane or wind-borne debris codes from an approved body such as Miami-Dade, Florida Building or the International Building Code.

Benefits: SECURITY,  EASE UP THE HURRICANE PREPARATION (no more shutters to install and remove), LOWER ENERGY COSTS, LOWER INSURANCE COSTS, SOUND REDUCTION, HIGHER RESALE VALUE, UV RAY REDUCTION!!

PROJECT: WINDOWS REPLACEMENT
Job Cost: $10,000
Estimated Resale Value: $7,200
Cost Recouped: 72%
Value Vs. 2012: UP

FREE ESTIMATE OF YOUR HOME, ANY QUESTION… Call or Email!!!
CHECK MY PERSONAL WEBSITE: www.jeromesubtilrealestate.com
LIKE MY FB PAGE: https://www.facebook.com/jeromesubtilrealestate/

There are three main options for impact windows: Aluminum, Vinyl and Wood. But how do these products compare and contrast with each other?

Material

Pros

Cons

Aluminum Stronger. Weather resistant. Light weight. Aesthetically pleasing. Low maintenance. Recyclable. Needs to be painted.
Vinyl Excellent insulator. High energy performance. Low maintenance. Low cost. Recyclability is still being fully researched.
Wood Excellent insulator. High energy performance. Recyclable. Rots and warps. High maintenance.

Impact Window Glass Options:
Laminated: Two sheets of glass bonded together with a plastic film.
Insulated Laminated: An additional pane of glass is added to a laminated unit with hermetically sealed air space in between. Commonly used in colder climates where the temperature difference is greater than 50 degrees between inside and outside during the winter.

Whether building a new home or taking on a remodeling project, windows are a key element of every home. If the structure is located in a hurricane-prone area, impact windows are the best option to ensure safety and protection.
Between costs and savings, you will most likely get more money out of your initial  investment.

GO CHECK MY PERSONAL WEBSITE: www.jeromesubtilrealestate.com
LIKE MY FB PAGE: https://www.facebook.com/jeromesubtilrealestate/

QUICK UPDATE ON OUR  MARKET: Boca Raton’s parks district will buy the Ocean Breeze golf course and turn it into the “Boca National Golf Club” for $24 million. The existing Boca municipal Golf Course property near the Turnpike and Glades will be changed to a residential use.  Lennar and GL Homes are bidding for the land. The city of Boca has picked up about half of the debris created by IRMA. Long-term mortgage rates ticked up slightly this week as the average 30-year fixed-rate mortgage rose to 3.85 percent.


Jerome Subtil
561-667-4045
Signature International Realty

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Stock Market VS Real Estate Investment

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What’s the Best Investment to Retire ?

Stock Market (SM): There are multiple ways to save for retirement. The Stock Market is a very popular way to do so, however it does have a few issues. One of them is actually crucial: how long you will live compare to how much money you will save… Are you sure you will not run out of money????
It’s a guessing game based on the Evolution of the market and the Extra Medical Expenses due to age.  There is also an Impossibility to retire early (not enough contributions).
So why is it so Hard?
– The Fees can go from 1% to 3% of your investment… so you won’t see the full return of your investment.
– Most of Retirement Plans don’t take in consideration the Inflation. 2 millions today won’t buy the same thing in 20 years!!The Other Option, and to me a much better option, is the “Rental Properties”: 
1- Build over the years a portfolio of 10 to 15 rental properties around the $100,000 each. It will give you a $5000 to $7000 a month of cash flow without worrying about the evolution of the Stock Market.
2- Through time, that Monthly Income will increase because the rent will follow the inflation.
3- If you need to get a big amount of money, you can always sell some of them.
4- If the stock market crashes, you will definitely lose some of your retirement plan money but, in Real Estate, unless you sell the property, it will just be paper money.
Strategy to Invest in Rental Properties: Have at least $20,000 to $50,000 in cash and Buy below Market Value. From there, you will be able to make money in good or in bad financial times and you will be able to pay for your retirement regardless of the inflation.
GO CHECK MY PERSONAL WEBSITE: www.jeromesubtilrealestate.com
LIKE MY FB PAGE: https://www.facebook.com/jeromesubtilrealestate/
QUICK UPDATE OUR LOCAL MARKET:  The previsions for 2017 were very positive and so far it has not disappointed. However, many experts feel that the properties are listed too high and that properties stay longer on the market. Also, “People are staying in their homes longer rather than selling and trading up,” says David Blitzer, managing director of S&P Dow Jones’ index committee.”If mortgage rates, currently near 4 percent, rise further, this could further deter more people from selling and keep pressure on inventories and prices.”
Regarding Boca, The Mandarin Oriental Residences are getting built right now. Check it out: https://therealdeal.com/miami/2017/05/22/penn-florida-unveils-3-5m-sales-center-for-mandarin-oriental-residences-in-boca/  .
 
Jerome SubtilStock Market VS Real Estate Investment
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