in Today’s Housing Market
You’ve probably noticed one thing if you’re thinking about making a move: the housing market feels a bit unpredictable right now. The truth is, from home prices to mortgage rates, we’re seeing more volatility – and it’s important to understand why. At a high-level, let’s break down what’s happening and the best way to navigate it.
What’s Driving Today’s Market Volatility?
Factors like economic data, unemployment numbers, decisions coming out of the Federal Reserve (The Fed), and even the recent presidential election, have created uncertainty right now – and uncertainty leads to market volatility.
You can see that when you look at what’s happening with mortgage rates. New economic reports and other geopolitical events have an impact and can cause sudden shifts, even though experts still forecast rates will come down overall. We’ve seen that effect play out recently, like when employment and in ation data get released each month.
. . . Job market data will be closely watched as well as any clues from the Fed about the extent of upcoming interest rate cuts.”
This is exactly why the projected decline in mortgage rates isn’t going to be a straight line down over the next year. As Hannah Jones, Senior Economic Research Analyst at Realtor.com, explains:
some areas, home prices are rising and inventory is tight, while in places like the Treasure Coast, there are more homes available and it’s leading to more moderate pricing shifts.
As all of this unfolds, understanding what’s happening will help you make the right decisions, whether that’s buying or selling. And there’s one easy way to get that information: from a professional.
And as the markets react, these types of updates will continue to have an impact on rates moving forward. As Greg McBride, CFA, Chief Financial Analyst at Bankrate, says:
“After steadily declining throughout the summer months, I expect more ups and downs to mortgage rates
“Rates have shown considerable volatility lately, and may continue to do so . . . Overall, we still expect a downward long-term mortgage rate trend.”
Plus, home prices and the number of homes on the market vary dramatically depending on where you’re looking to buy or sell, which makes it even harder to get a clear picture. In
The Importance of Partnering with a Pro
While the road ahead may have some bumps and unexpected turns, you don’t have to go it alone. A professional agent like me will keep you up to date on the latest market developments, guide you through any shifts and help you make smart, goal-based decisions.
And since conditions can vary signi cantly, I’ll will also help you understand our local market—whether it’s how to navigate competition with other buyers, the number of homes available or what’s happening with local home prices. My insight and expertise will help you adapt to any movement in the market.
Bottom Line
The housing market may be experiencing some shifts, but don’t let it stop you from making your move. With the support of an experienced real estate agent — like me! — and a trusted lender, you’ll be ready to navigate the changes and make the most of the opportunities that come your way.
NEWLISTING
3040 SW Sunset Trace Cir., Palm City
$285,000
2 Bedrooms, 2 Bathrooms, 1,236 Sq. Ft.
Situated in the coveted Sunset Trace section of Martin Downs, this CBS townhome is a blank slate for your design eye. Privacy is paramount, as this unit faces a preserve rather than the parking lot. Enjoy peace of mind with full accordion shutters and a manned guard gate.
4864 SW Sand Ave., Palm City
$939,900
3 Bedrooms, 3 Bathrooms, 2,502 Sq. Ft.
Look no further than this spacious CBS home in guard-gated Copperleaf! Don’t miss the bonus room that serves as a den or of ce right off the entry. Beautiful nishes include wood-look tile through the main living area, coffered ceilings, recessed lights, bright kitchen pendants and abundant storage space.
PRICEIMPROVEMENT
5 Bedrooms, 4 Bathrooms, 2,856 Sq. Ft.
A premier corner lot in coveted North River Shores! Main features include CBS construction on both stories, 100 feet of river frontage, room for a dock, boat ramp access and a 2.5 car detached garage with two-space carport. Concrete seawall features water and electric ports for easy dock addition.
3351 SW Islesworth Circle, Palm City
$585,000
4 Bedrooms, 2 Bathrooms, 2,057 Sq. Ft.
Close to schools and shopping, this home has beautiful water views and no immediate neighbors behind or in front of you. Featuring a split oor plan with a combination of tile and luxury plank vinyl. Islesworth is close to the turnpike and 95. Added protection with full accordion shutters.
MY LIVING CONTENTS - ZONE A
AUTOMOTIVE
Captain Mo Wallace Kia 55
RIO Towing 22
Rocky’s Auto Repair 36
BEAUTY
A and J Nails 22, 55
Colourmrks Salon 82
Massages by Allen, LLC 58
Salon 1048 34
Skin Serenity Spa Inc. 87
CLEANING SERVICE
360 Pressure Cleaning 80
All Around The House 54
Anton Hermes Rug Cleaning 81
Aquatic Power Washing Services LLC 84
Choco’s Carpet Cleaning 88
Dryer Vent Cleaner,The 79
Mayra’s Busy Bees 53
Molly Maid 78
Stanley Steemer ........................................... 13
The Groutsmith Grout Cleaning 25
DINING & ENTERTAINMENT
3 Natives Stuart 30, 32
Alice’s Restaurant 27
Benny’s Pizza..........................................29, 32 Brooklyn Joe’s 33
BubbaKoo’s Burritos......................................32
Carmela’s Coffee 33
Casa Bella 26
Cinco De Mayo 30, 33
City Diner 28, 32
Ellie’s Downtown Deli 33 Fresh Catch 33
Healthfully Yours 29, 33
Ital Bowls 31, 33
Mrs. Peter’s Smokehouse........................31, 32
Plant Baked Hemp Bakery 27
Pusateri’s Pizza 30, 32
Red Crab Juicy Seafood 33
Salerno Pizza ................................................ 32
SmallCakes Stuart 26, 32
Tako Tiki 28, 33
Two Brothers Pizza 33 FUNERAL HOMES & CREMATION
Affordable Choice Cremation.........................14
I received a phone call the other day from a prospective client. She was concerned because of the lack of attention she was receiving from her Financial Advisor. I asked her a few questions and realized why this was happening. It made me think that her situation was no di erent than many of you who might be reading this. Her account was at one of the major brokerage rms we all know. e lack of attention she was getting was not her fault. It happens quite o en at the major brokerage rms and for good reason.
Brokerage rms set minimum asset requirements on their advisors for them to be compensated. e advisor in this relationship was not compensated because the relationship size was less than $500,000. ese rms set minimum relationship sizes on their accounts and if that minimum is not met then the client is usually directed to a call center where they may speak to a di erent person on any given day. To me this does not seem like good service. A er all, even though your account size may be smaller, you are still paying a fee to that rm to advise you. at fee is usually the same or more percentage wise as it would be if you dealt directly with an individual advisor. e only di erence is the brokerage rm keeps the entire fee and does not compensate the advisor who opened the account.
As an Independent advisor, I can work with any client whether their assets are $500,000 or $10 million. Prior to being an Independent Advisor, I worked for a couple of major brokerage rms. For me, the decision to leave that business was simple. I wanted to run my own business and help as many people as possible. Will ompson and I started this rm to help investors achieve their nancial goals. We did it so we could decide who we wanted as clients, and we do not discriminate based on a dollar gure. If someone comes in with a goal to reach retirement or get through retirement, we want to help.
Both Will and I cut our teeth working at major rms. Our backgrounds are completely di erent though. Will worked on the institutional side and got his Chartered Financial Analyst certi cation while doing so. e CFA® is one of the most highly respected designations in our industry. It takes years to achieve
this designation. His experience is vast, and he has used it within our rm to make it a unique Independent rm in Stuart, FL. ere are not many advisors around that hold both the CFA® and CFP® designations, but he does, and this sets him apart from other advisors. His credentials are impressive, but the most impressive part to me is that Will cares about every client we serve.
My background is on the retail, client facing side of the industry. I worked for two major brokerage rms as well as a large Independent Registered Investment Advisor prior to starting Chapman Capital Advisors. I have passed multiple securities licensing exams and hold my certi cate in Financial Planning as well. Although Will and I come from di erent sides of the industry, we both share one common trait. We care about our clients. We want them to be successful. We want them to achieve their nancial goals. If you are tired of being a number and want to work with advisors who care, please give us a call to set up a free consultation.
by Jay Chapman, CFP®
BY HOLLIS
www.clocksbyhollis.com
For What It’s Worth
Okay, I really don’t like recommending movies, because inevitably, I get lot of emails reminding me that I have no taste in lms, but i can’t help but recommend this one! If you’re a dog lover, and even if you’re not, this is a must-see movie that will not leave your mind for a long time. It is e Art of Racing in the Rain. Spoiler alert, the dog and master do not come to a terrible death, so wipe that from your mind. e dog narrates the movies for the most part (Kevin Costner) and who doesn’t love his voice! It is poignant, thought provoking, sensitive, and everything you could ever want to entertain you for an evening. I saw it on FX, if you happen to get that channel, and it was free.
en, I played it again for guests a few nights ago. Two of the people were not
by L.E. Murphy
necessarily animal lovers, but by the end of the night, everyone agreed that the canine species should be able to speak in people language, so we could know their feelings about nearly every subject. One particular sentence stayed with me, probably forever. e dog, Enzo, said, referring to his inability to speak, “Sometimes I hate what I am.” at sentence, at that particular scene in the movie, was a tear-jerker so have tissues available from the outset.
I have always had dogs as pets until the past ten years or more, when it just was no longer feasible, nor would it have been fair to the animal, but it was all I could do not to immediately plunk down some money to nd the perfect animal. I didn’t care, at that point, if it wasn’t potty-trained, chewed up my good shoes,
or ripped apart my leather couch.
Fortunately, as most bad ideas reveal themselves, the next morning I came to my senses, but if you can see it in your heart to rescue, purchase or in any way nd the perfect dog for your family, the love you will receive will more than be worth it.
In the meanwhile, at least watch the movie. en decide. For What It’s Worth, we all need to be loved, and there is no one that will love you unconditionally, as much as your dog!v
Comments or Suggestions
ForWhatItsWorth@mediaoms.com
$450,000
BEACH FRONT! Completely remodeled and beautifully furnished 3BR, 2 bath with custom appts and beautiful furnishings throughout. 10th oor views plus incls. Island Dunes Golf &Tennis Country Club membership.
BEACH FRONT! Spectacular ocean view from this 2BR, 2 bath NE CORNER upgraded plus under bldg. parking and ocean to resort amenities plus marina!
BEACH FRONT! Amazing 10th oor views from this 2BR, 2 bath with impact sliders, newer shutters and move in ready! 2 pools, pickleball, tness and more!
RIVER FRONT! Custom 2BR, 1.5 CBS on the deep water with incredible Intracoastal views and deck/dock with lift potential. Beautifully furnished plus resort style living at Nettles Island!
BEACH FRONT! Incredible ocean views from this 7th oor 2BR, 2 bath. Immaculate, being offered furnished and makes for a great investment too! Lobby, pool, tennis and more!
RIVER FRONT! Breathtaking river views from this beautifully renovated 2BR, 2 bath with beach style furnishings. Walk to the beach plus pools, pickleball, tness, and more!
TROPICAL BEACH FORT PIERCE
Great location across from the beach! Amazing 2 story duplex home! 2BR, 2 bath w/washer/ dryer on each r, and beautifully furnished in beach style. Use as AirBNB, seasonal, monthly rental or for the lg. family! $995,000 VENTURE III
$499,000
HUTCHINSON ISLAND RIVER FRONT! 50 FOOT DOCK on the deep water! Intracoastal views from this Beach bungalow style 1BR home with lots of space! This is THE beach house for the boater with amenities galore to enjoy!
ISLANDIA II
HUTCHINSON ISLAND
BEACH FRONT! Glorious Ocean and Intracoastal views from this 9th oor SOUTHEAST CORNER nicely updated with 24hr. security, pools, tness, pickleball, sauna and more!
$698,500
HUTCHINSON ISLAND
BEACH FRONT! Desirable NORTHEAST CORNER, 2BR, 2 bath with amazing views from your 4th oor wrap around balcony. Totally renovated impact glass sliders, nicely furnished, 2 pets ok and more!
$579,000
HUTCHINSON ISLAND
BEACH FRONT! Beautiful 9th oor views from this 2BR, 2 bath with amazing updates and lovely furnishings! Custom renovations throughout. Pools, tness, pickleball and more!
ISLAND CLUB HUTCHINSON ISLAND
BEACH FRONT! Breathtaking ocean views from this SOUTHEAST CORNER 2BR, 2 bath WITH GARAGE. Floor to ceiling impact glass windows, totally and beautifully updated and furnished! Lobby, pool, tness & more! ISLAND CREST
FEATURES
• Storm Catcher® Screens have been tested to a simulated wind speed of 225.34 mph*
• Motorized and/or manual crank-down
• Enhances privacy and reduces rain, dust, and debris
• Designed, manufactured, installed, and serviced here in Florida
*Storm Catcher® Screens are certified by an independent test facility to a design pressure of 130 PSF, which mathematically correlates to a wind speed of 225.34 mph. Screen size, location, environmental and building conditions can significantly affect conversion of PSF to MPH.
STRETCH ZONE DEALS!
By Gabby Gregory
Every 5,000 miles, like clockwork, you take your car to get its oil changed and tires rotated. It’s basic, routine maintenance, but that consistent attention and upkeep is vital for your vehicle to run e ciently, especially over a number of years. Your body, much like your vehicle, requires regular care and treatment to keep it healthy. And, again like your automobile, your body needs support from someone other than yourself, a professional who can guide it to achieving its utmost abilities and to retaining its peak performance.
Getting older, playing sports, or having a condition like sciatica or arthritis shouldn’t hold you back from living your life! You can feel like your younger self again, the one who didn’t feel any aches or pains when walking, running, jumping, or even sitting… all you have to do is visit Stretch Zone.
Drew Brees, former quarterback of the New Orleans Saints, is the newest partner at Stretch Zone who advocates for people to regularly get stretched. A er personally going to Stretch Zone for an assisted stretching session, Drew was impressed with the uniquely e ective and nationally accredited Stretch Zone Method®, which is administered by a highly-trained and Stretch Zone-certi ed stretch practitioner.
Here’s How It Works:
1.) Your rst session begins with lling out an intake form and having a consultation with your experienced and knowledgeable stretch practitioner. Based on your medical background and your personal goals, the stretch practitioner will personalize the ensuing 30-minute assisted stretching session to meet your individual needs. On subsequent visits, you’ll simply do a check-in with the practitioner to update your medical pro le with any recent changes and/or any new pain or discomfort that you might be experiencing.
2.) e stretch practitioner initiates the rst steps of the approved Stretch Zone Method®, utilizing Stretch Zone’s special
TREAT YOURSELF
patented straps to encourage your body to relax and ease into the stretches. You won’t nd these straps anywhere else! Comparable to a thunder jacket for your pets, they are meant to calm your mind so that your entire body is perfectly loose, thus allowing the stretch practitioner to stretch your body to its full potential and, as a result, provide you with both preventative maintenance and pain relief.
3.) Assisted stretching (a/k/a passive stretching) is di erent from physical therapy in that your body is being stretched by someone else, you’re not actually doing any work. roughout your 30-minute session, the stretch practitioner will be steadily interacting
DO YOU WANT TO:
one-on-one with you, ensuring that you are completely comfortable and not experiencing any pain. Ultimately, you are in control of the stretch, even as your practitioner guides your body through each and every step, because you tell the practitioner when you feel your best stretching position. e more you communicate, the better results you’re going to get!
Get Stretch Zone’s Special for yourself or get them for a friend or loved one… what better way to say you care than to give the gi of making life easier, of feeling healthier, lighter, and younger, and of feeling like yourself again?
✓ HAVE MORE ENERGY TO DO ALL OF THE THINGS YOU LOVE?
✓ IMPROVE YOUR GOLF GAME, TENNIS SKILLS OR OTHER SPORTS PERFORMANCE?
✓ MANAGE TENSION AND STRESS MORE EFFECTIVELY?
✓ EASE FRUSTRATING MUSCLE ACHES AND PAINS?
✓ INCREASE YOUR OVERALL HEALTH AND WELLNESS?
DISCOVER WHAT STRETCH ZONE CAN DO FOR YOU!
TIME TO FOCUS ON YOU.
Affordable Medicare Plans
Not all roofs are made the same! If you need to install a new roof, then you should know what options are available to you. After all, how else can you make the best, most informed decision?
Thankfully, JB Roo ng is here to explain… what’s in a roof:
Light and exible, yet durable, asphalt shingles adapt to either standard or unconventional roof angles. They come in a variety of styles and colors, so you can easily nd the perfect t for your unique taste. Additionally, asphalt shingles roofs are among the most affordable options for not only a total roof replacement, but also for roof repairs. In the event that a shingle blows or breaks off your roof, then you can just replace that speci c shingle versus a large section or the entire surface area.
We will NEVER ask you to sign over your insurance claim! We will help with your claim, if needed, but you retain control.
METAL ROOFS
• 5-V CRIMP METAL
One of the most popular options, 5-V Crimp Metal Roofs are generally the most affordable among metal roo ng systems. They are energy-ef cient, long-lasting, and durable. Furthermore, 5-V crimp metal panels are available in a range of colors.
• STANDING SEAM METAL
Ultra-reliable, standing seam metal roofs promise incredible longevity. The design protects the roof’s metal fasteners from harmful and destructive UV rays, wind, rain, and hail, so these roofs often last for at least 50 years. Standing seam metal roofs also boast a more modern look for your home.
• STONE-COATED METAL PANEL
Rust-proof, re-resistant, and durable, stone-coated metal panel roofs will last for a long time and require little maintenance. They are also corrosionresistant, watertight, and heat-resistant. Finally, stone-coated metal panels will increase the value of a property.
TILE ROOFS
Weather-resistant tile roo ng can handle high winds, re, heavy rain, and hail. They can also reduce some of the heat from the sun, thus lowering your air conditioning costs. Finally, tile roofs are immune from insect destruction, as they are pest-resistant.
By Gabby Gregory
EVERYTHING WITHIN REACH
When you’re cooking or baking in your kitchen, naturally, you need to gather the materials to follow your recipe. But, o entimes, it can be quite the hassle to collect a necessary kitchen tool that’s been tucked away into the voids of the shelves within a cabinet or cupboard. If you’re a person who su ers from arthritis, back pain, mobility, etc., then you especially understand the challenge it can be just to access basic necessities in your kitchen, not to mention other storage areas in your home. ShelfGenie of West Palm Beach has the perfect solution for you, whether you’re living in an existing home or you’re in the process of building a dream one.
e Perfect Solution
ShelfGenie’s custom pull-out shelves for your new or existing cabinets truly
make your wishes come true when it comes to not only perfectly arranging your space, but also vastly improving your quality of life. As the local owner of ShelfGenie of West Palm Beach –Bret Chevrier – explains, “ShelfGenie isn’t just an organizational solution, but an access one.” Indeed, it is not uncommon for Bret and his team to get hugs from clients with mobility and pain issues because they are so thankful that they can nally reach their possessions without having to struggle or su er. One 5-star Google review of the business a rms, “My kitchen is now complete! Now everything is easy to access, no having to practically crawl to the back of the cabinets, just pull out the shelf and it’s there in easy reach.” Another reviewer highly recommends the ShelfGenie of West Palm Beach, saying, “ ey were very helpful and thorough. It was installed with expertise and is a wonderful option to be able to pull drawers out to nd pots and pans instead of getting down on the oor to dive into the back recesses of a deep cupboard.”
Customized Cabinets
When it comes to creating your ideal storage space, the designers and installers at ShelfGenie are dedicated to addressing all of your wants and needs. During your free, noobligation design consultation, the expert team at ShelfGenie will ask the right questions and carefully listen to your responses to come up with your customized solution. From there, the
installers
Everything Within Reach
With ShelfGenie, everything you need is right within reach. No more struggling to get your things! As owner Bret emphasizes, “ is is something that literally is going to make the things you do every day easier. He continues, saying ShelfGenie “really allows some people to stay in their homes longer.
A lot of people who enjoy baking but have had a back issue are now able to access their mixer again… I think the best way to describe it is that it takes things that are painful and frustrating and it makes them enjoyable again.” Do your body and your sanity a favor – call the experienced, knowledgeable, and, most importantly, caring team at ShelfGenie to schedule a complimentary design consultation and discover your customized cabinet solution.
