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Lake Lanier Real Estate

Welcome to Lake Lanier Real Estate. Lake Lanier real estate is HOT. Looking for A house on Lake Lanier? Cumming GA  Gainesville GA  Dawsonville GA real estate Please use this site to search or contact me at 770-317-8178

 Lake Lanier Real Estate, Cumming GA and Dawsonville GA Real Estate. Find real estate in Cumming GA, Dawsonville, Buford GA, Gainesville GA, Alpharetta! Lake Lanier has much to offer and I can guide you through the home buying or selling process!  26 years experience in this beautiful area of North Metro Atlanta.  You will find information for homebuyers and sellers, and more About Us, your professional Cumming Realtor. Please use my free home search to find your home! Lake Lanier is very a great place to live!!! Having Lake Lanier at full pool or above is a dream come true!

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If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home. Please feel free to call me at 770-317-8178                                                 
                                                                            

                                                                            

Testimonials

Becky has assisted me and my family in our real estate needs for 16 years now and we would not think of using anyone else. Her commitment to her job is unbeatable!! Ron Williams CEO Shore Trading Ron Williams
Becky Rainwater has been my agent for over 19 years and together we have bought and sold over 16 properties. I would say she is simply the best! Glenda Garrett President Coldwater Properties Glenda Garrett
This is my second time with Becky as my agent. She is simply the best agent I've ever worked with as a seller and buyer. Highly recommend her. Tina Maltbie
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Real Estate News!!!

Latest Realty News from NAR

Can an EU Rule Impact Your Real Estate Business? It Might

What authority does the European Union have over your real estate business? That’s a tricky question, but an E.U. rule that takes effect next month could end up affecting your business in some manner. That’s because any European that comes to your web site to browse listings will be covered by what’s called the GDPR. That stands for General Data Protection Regulation and it won’t let your web site drop a cookie on a European’s computer unless you get affirmative consent. That means a box that says something like, “We use cookies. OK if we put one on your computer?,” has to pop up when someone from the European Economic Area comes to your web site. What’s more, if you process data on a European you have to be ready to delete that data if you’re requested to. That means you have to have a way to identify  that data so you can take the action requested.

As you can imagine, how the EU would enforce this is a big, unanswered question. There will probably be litigation, too. So, it’s possible it will be a while before anything actually happens that affects U.S. businesses. But there are other things to keep in mind. First, the United States might align its rules with the E.U. Second, regardless of that, many U.S. businesses might align their online privacy and security  practices with the E.U. model, regardless of enforcement. That means you’ll probably see more U.S. companies asking for affirmative consent when anyone comes to their web sites. Third, there could be alignment with European rules on data processing, too.

This is all speculation. The rule is real but it’s actual impact here can’t be fully known yet. But you can see where things are heading and it’s not a bad idea to take steps to be prepared for however things shake out.

NAR will be hosting a Facebook Live webcast next week, on Tuesday, April 24, at 1 p.m., Central time (2 p.m., Eastern time) to walk you through what’s happening and what you might do to be ready. The presenters will be Finley Maxson, NAR senior counsel, and Liz Sturrock, NAR vice president of information technology. They’ll be talking with Meg White, managing editor of REALTOR® Magazine.

You’re encouraged to ask questions. Here’s more information on the event: EU Privacy Rule: Are You Impacted?

How Suburbanization Impacts Rural Home Loans

Federally backed home loans from the Rural Housing Service have been called one of the the government’s best kept secrets because buyers can get safe, affordable mortgage financing in areas where few other loan options are available. The underwriting requirements are considered both strong and reasonable, and, maybe most important, homes that wouldn’t be eligible for loans by conventional lenders are often eligible under the federal program. That’s because RHS recognizes that in rural areas, houses are not always built to meet the needs of suburban or urban buyers. The agency’s old name—Farmers Home Administration (FmHA)—says a lot about where the agency is coming from.

That’s why it’s significant that the U.S. Department of Agriculture, which oversees RHS, undertook a reassessment of what constitutes a rural area. That assessment was just completed and in about two months—June 4—a new map of rural areas takes affect. When it does, some areas that used to be considered rural are no longer considered that. One example is Ashburn, Va. Like so many areas in Northern Virginia, it’s being swallowed up by the D.C. metropolitan area. It’s now another suburb.

That means households who might struggle to get financing to buy a home can no longer count on direct or guaranteed loans from RHS. They’ll have to find conventional financing or maybe try FHA.

The good news for buyers in many of these new suburbs is their choice in lenders has probably increased along with the area’s population. In other words, maybe RHS is less needed now, because conventional lenders have moved in to take advantage of the area’s growth. But every area is different. There are probably a number of areas where the choice in lenders hasn’t kept up with growth, so the RHS loans will be missed.

In any case, it makes sense to learn if your area has been affected. The latest Voice for Real Estate news video from NAR talks about this and walks you through how you can see the status of your area.

The video also looks at some things FEMA is doing to encourage growth in private flood insurance options. Thanks in large part to a new consumer advocate in the Federal Emergency Management Agency, the agency said it will allow homeowners to drop their federal coverage and get private coverage instead without incurring any penalty. Prior to this change, you couldn’t do that. You had to keep your federal coverage even if you found cheaper or better private coverage. That consumer advocate, by the way, is there in large part thanks to NAR, which made sure it was part of flood insurance reform legislation that passed a few years ago. We’re now seeing the benefits of that.

In another change, insurance companies that offer the federal coverage can now also offer a private alternative. Again, that wasn’t allowed before. There are a few more improvements like that. The video walks you through them.

Also in the video is an update on competition in the real estate industry. You might recall that it was 10 years ago that NAR and the U.S. Department of Justice entered into an agreement to make sure virtual office websites (VOWs) are treated the same as brick and mortar brokerages in obtaining MLS data to share with people. That agreement expires later this year and the first of two workshops was held in Washington looking at the state of competition today. NAR Associate General Counsel Ralph Holmen (retired) participated in that workshop and made the point that the VOW business model wasn’t a big part of the market 10 years ago and is even smaller today, in part because it involves creating a client relationship with people who want to look at listings on your site. For many brokerages, it’s easier just to offer up listings without having to set up that client relationship first. NAR has said it doesn’t plan to change its VOW policy when that DOJ agreement expires.

The video also excerpts from the NAR Broker Summit that was held in Nashville earlier this month and also introduces a monthly video series NAR is launching for the year, Fair Housing Focus. The video is part of NAR’s recognition of the 50-year anniversary of the Fair Housing Act.

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Infrastructure Improvement Means Real Estate Activity

When the Trump administration released its $1.5 trillion infrastructure plan last month, it set in motion a multi-year process that could eventually lead to considerable investment in communities. Of course, Congress must pass legislation to make much of it happen. Although there are some parts that the administration can do on its own, a lot of the plan will require both authorizing and funding legislation, so how close we get to that $1.5 trillion goal is dependent on what lawmakers can agree on in the next year or two.

Regardless, with the country’s roads, bridges, waterways, dams, and other public projects aging, some projects will be getting funds in the years ahead whether or not the plan is all or partly enacted. The question for you is, how will you get involved? Will you get involved upfront, when projects are in the planning stages, or will you get involved after projects get going? Often, bridge replacement means land transactions, because it’s not unusual for a replacement bridge to be built alongside the existing bridge. That means government might have to acquire or condemn nearby property. Or if a road is widened—will that involve acquisition or condemnation of land?

Property values tend to go up after infrastructure improvements are made. In northern Virginia, expansion of the metropolitan subway system had a tremendous impact on property values along the new tracks. Huge condo, apartment, retail, office, and mixed-use projects followed. It triggered a real estate boom.

The administration’s infrastructure plan is featured in the latest Voice for Real Estate news video from NAR. Access that segment now.

The video also looks at why NAR supports the banking reform bill that passed the Senate a couple of weeks ago, why passage of long-term reform of federal flood insurance is just as much about improving communities as it is about continuation of insurance policies, and why Congress needs to make mortgage debt forgiveness relief a permanent part of the tax code. Cyber crime and association health plans are covered, too.

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Guest article by Jackie @hyper-tidy.com

4 Life Planning Hacks for Novices

While you can’t plan for every event in your life, you can take stock of your present circumstances, set goals for the future, and then determine the steps that will help you get from point A to point B and beyond. Along the way, you’ll need to account for career changes, children, home ownership, and retirement. Even novices can approach life planning like a pro with a few of our hacks.

1. Understand You Can’t Predict the Future

Life planning is about making goals and determining how to achieve them. People’s goals typically encompass everything from getting a promotion to saving for their kids’ college tuition, to retiring and living out their golden years comfortably. If you make an ironclad life plan, you’re going to be disappointed because you cannot predict the future.

The best life plans are the most flexible life plans. You need to make your initial plan and then reevaluate, revise, and revisit it frequently. Life planning is not about predicting the future or sticking to a plan no matter what happens; life planning is about deciding which way you want to go, designing a strategy to get there, and working to create the opportunities you need to achieve those goals. For some, it may mean starting your own business. For others, it may mean working an extra year or two to have the retirement you truly want.

2. Use the Professionals’ Help

While lawyers, accountants, and financial planners cannot wave their magic wands or gaze into their crystal balls to tell you everything you need to do to make your life plan a reality, they can use their professional expertise to help you make some smart decisions. In most cases, they will tell you to begin saving for retirement, planning for your children’s future, and securing life insurance sooner rather than later.

3. Save for Retirement, No Matter Your Income

Even if you have low income, you should start squirreling away money for retirement. There are tax credits available in certain cases for people who contribute to a 401(k) or an IRA, so it may be worth pinching your pennies a bit to pad your retirement and reap the rewards of tax credits. If you have an employer who matches your retirement contributions, take advantage of tucking away money while you are employed there. One of the best ways to make sure you save for your retirement is to have the money automatically taken out of your paychecks each pay period. You won’t miss the money if you’re not used to having it, and your future self will thank you.

4. Plan for Your Children Now and In the Future

If you have young children, you should be approaching your life plan for them in two ways: first, you should make sure you have planned for a tragedy now, and then you should be looking ahead to their college tuition needs and inheritance. No parent wants to think about his untimely death, but if you have children, you need to have arrangements in place for their care. Meet with a lawyer and draw up a will that specifies your children’s guardian and financial accommodations. Decide if you are going to set up a trust for them. Making sure that your children will be taken care of in your absence is an important part of your life plan.

Then, look ahead at how you will plan for your children in the future. Start saving for their college tuition. Your financial planner can help you determine the best college savings accounts for your needs; it may be a 529 savings plan, a uniform gift to minors/uniform transfers to minors account (UGMA/UTMA), or a Coverdell Education Savings Account (CESA). You also will want to determine how you are going to set up your children’s inheritance. Keep in mind that you can account for their inheritance in your will, or you can begin transferring your estate and property to them prior to your death.

No matter your income or your knowledge on the subject, you should be developing a life plan. By accepting that you cannot predict the future, trusting the professionals’ advice, saving for your retirement, and planning for your children’s futures, you’ll be on your way to meeting your goals.

Image via Pixabay by Meditations

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Becky Rainwater CDPE
 25 years Experience

Keller Williams Community Partners
Phone: 770 317-8178
Email: beckyrainwater@bellsouth.net

 

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