Post about "Investing"

Fort Collins Real Estate: Market Situation and Trends

Analyzing the Market StatisticsAmidst the lush green surroundings, Fort Collins provides families and couples a wonderful locality to settle into. The real estate and value of property was in a decline but gradually the prices have picked up again; causing several sellers and buyers to enter the market. The Fort Collins real estate market situation has also considerably improved despite a continued presence of distressed properties. These distressed properties are foreclosures and short sales. The overall Fort Collins property market has increased slightly with a 1% increase since June 2013. The prospect buyers can either choose a condo/apartment or a single family home for themselves. The market price of houses in Fort Collins has a less dramatic real estate drop than other areas of the state and country. This implies that the price of Fort Collins property will also show lesser gradual recovery because of the lesser drop to recover from initially. The current market statistics for Fort Collins real estate are:

Average Listing Price: $273,251

Median Listing Price: $235,200, up 3% from 2010

Current Inventory (properties/homes available): 1039 Listings

Recently sold: 402

New Listings: 488

Distressed: 1
The right to invest is NOW If we observe the first half of 2011, we will notice that there have been 5,617 sales in that period which in comparison to 2010 were 5991. This shows a 6% decrease in Fort Collins property sales. If we consider the inflated sales due to the tax credit in the spring of 2010 then this fall is instead a healthy improvement. Without such artificial enticements, the market has remained strong and grown to almost equal levels this year. The median listing price in Fort Collins went down from June to July. There were a total of 28 price increases and 147 price decreases. The final conclusion is that it is a great time to invest in Fort Collins property.Fort Collins real estate listings are available online for buyers to browse through and hunt for houses as per their requirements. These listings are constantly updated so that any house up for the sale in the market is immediately added in the database. The real estate market is always considered a buyer’s market especially after the aftermath of the national mortgage crash and the economic turndown. If you are looking to buy property in Fort Collins then you need to adjust your practices accordingly.Buyers vs. Sellers Thanks to the improving situation in real estate, the buyer’s market is now a seller’s market. According to the real estate experts, the shift of market trends is a process that is caused by several buyers and sellers when they are practically indulging in the buying and selling of property. If you are hunting for a house then you should prequalify for financing. It is most likely that you will be competing for same property against people who have enough money in their hand. The Fort Collins real estate market is fast-moving with sellers inclined to accept an offer on the contingency that the buyer can round up the necessary funds.If you have already made up your mind to purchase a home then you should be willing to immediately put up an offer and pay upfront because the house may not be available in the market for a long-time. Experts say that the days of making low-ball offers are over as low interest rates on home loans and pent-up demand are driving speedy sales. The buyers who have been sitting on the fence for past couple of years would be happy to know that Fort Collins real estate market situation is constantly improving.This statement is further backed by the number of sales made during this year. Fort Collins has not experienced valleys and peaks as dramatic as other areas in the boom and bust times for the market. The last decade witnessed loose lending practices to steer the mortgage industry off a cliff. However, this time around, the real estate industry is all set on a sustained rebound. Lenders are scrutinizing the prospective buyers while the buyers are making more informed and practical choices. All these factors contribute to the fact that real estate situation has picked up and confirms to be a fast moving market for buyers and sellers. A laid back attitude in making a valid offer for a house can end you up on losing out on your dream house as there are plenty of buyers willing to make viable offers to the sellers.

Where to Invest in Good Mutual Funds in 2014, 2015 and Beyond

Finding good mutual funds starts with finding good mutual funds companies (families) and some families are friendlier to average investors than others. They offer good investments to folks who simply aren’t sure where to invest money. People get confused by all the sales rhetoric, so here we simplify where to invest with the companies that are investor friendly.I started following (and selling) this stuff in 1972 as a stock broker, trying to get a handle on where to invest other people’s money… trying to pick only good investments for those who trusted me. Once I learned that funds were the answer to what 90% of people needed, the question became: how do I find good mutual funds? I am writing this in 2014 as a retired financial planner, and would like to share something I’ve learned over the years, so hold your breath.Your idea of what good investments or good mutual funds are might differ from the ideas a sales rep might have, especially if that person makes money from commissions and other fees. Breathe easy. A financial planner who works for commissions can tell you where to invest and can sell you good mutual funds. The problem is that he or she can’t tell you where to invest in the investor friendly companies… and make a living doing it.A $20,000 investment in a stock fund could cost you $1000 upfront, $400 a year for expenses, and another $300 a year for additional fees if you invest through a planner. Or, it could cost you a total of $200 a year or less if you invest directly with a major investor- friendly NO-LOAD company.Truly good mutual funds companies keep investor costs low. They are financially strong; and offer a broad selection of investments with good performance records. Good service is provided at no cost. Enter “no load funds” into a search engine to find them. Names like Vanguard, Fidelity and T Rowe Price will appear. They all offer average investors good investments at low cost. All three of the above meet our qualifications – and the first two are the largest companies in the business.Good mutual funds are not expensive, and you do not get what you pay for when you pay for high charges and fees. In fact, these extra costs drain money from your account and work against you. The net result is a lower return on investment. I don’t call that investor friendly. When there’s a high cost if investing, that’s not where to invest your money.Now, once you’ve opened an account with one of the friendly companies you could be facing a list of more than 100 choices to choose from. Now the question of where to invest gets more specific. How do you find good mutual funds to invest in? The general categories are stock (equity), bond, money market, and balanced funds (the latter being a combination of the other three). What you need to understand is that even good mutual funds in the stock category might lose money in 2014 and/or 2015. If the stock market falls, these funds in general will not be good investments. Also, if interest rates climb, bond funds will not be good investments. More than anything else, the markets determine whether or not investors make or lose money. On the other hand, good mutual funds tend to outperform the rest over the long term.With today’s record low interest rates money market funds don’t look like good investments because they pay almost nothing in interest. But, that’s where to invest money you want to keep safe. If rates go up, money market rates will follow. Balanced funds will be losers if stocks and/or bonds take a big hit. Don’t get depressed. Invest in 2014 and 2015 with your eyes open.Going into the year 2014, stock funds were very good investments for five years straight; and bonds funds were good mutual funds to invest in for over 30 years. In 2014 and beyond things could get rough. Focus on strategy more than picking good investments in each fund category. Have some cash in a money market fund awaiting future opportunities when the dust settles. Spread your money across all four fund categories, because no one really knows where to invest in times of uncertainty.As 2014 and 2015 unfold, remember that both stocks and bonds have their up and downs. Over the long term, funds have been good investments for tens of millions of people through good times and bad. Keep in mind that good mutual funds come from good mutual funds companies… and that’s where to invest your money.