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Craig & Linda Nowicke

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The 50-20-30 Rule - Creating a Budget You Can Live With

by Craig & Linda Nowicke

If you are new to budgeting, managing your money may seem complicated and overwhelming.  You not only have to be organized, but you must make challenging decisions about how to spend your money.  Don’t despair! There is good news for you.  You don’t need fancy financial apps on your phone or extensive spreadsheets with dozens of categories to see how your money is being spent.  You simply need to follow the 50-20-30 rule!

The 50-20-30 rule assists you in building a budget by using three spending categories. 

  1. 50% of your income should go to living expenses and essentials including rent/mortgage, utilities, groceries and transportation.
  2. 20% should go to savings, investments and debt-reduction payments.
  3. 30% of your income should be used for flexible spending. This includes everything you buy that you want, but don’t necessarily need such as travel, going out to movies etc.

Remember that the percentages for essentials and flexible spending are the maximum amounts you should spend.  If you use less income in these categories, you will have more to put toward other financial goals.

Here is how to start the 50-20-30 budget. First, determine exactly how much money you bring home each month.  This will be the amount you will base your 50-20-30 split on.  Then track your spending. Every penny of it, from your rent/mortgage payment down to the coffee you stop for on the way to work in the morning.  As you are analyzing your spending, split it into the 50-20-30 categories.  Once you see what you are spending where, you can make the needed adjustments to ensure you are falling into the 50-20-30 parameters.  If you find you are spending too much on things that you want but don’t need, that’s when it is time to cut back.

The 50-20-30 rule works because it provides a simple way to track your spending so that you can pay your bills, add to your savings and have money left over for fun stuff.  It keeps you on the straight and narrow so that you can begin to meet your financial goals.  If you stay the course, you will eventually achieve financial stability.

http://www.tamparealtynow.com/Blog/Millennials-Are-Not-Buying-HomesHeres-Why-You-Should

http://www.tamparealtynow.com/Blog/Buying-Big-Without-Breaking-The-Bank

http://www.tamparealtynow.com/Blog/Preparing-to-Buy-a-Home-Your-To-Do-List

Tampa FL Real Estate For Sale: 23327 Gracewood Circle, Land O Lakes, FL 34639

by Craig & Linda Nowicke

Plantation Palms Home for Sale - Call Linda Nowicke 813-413-4343 to set up a tour!
Welcome to 23327 Gracewood Circle, Savannah at Plantation Palms, Land O Lakes Florida!
Linda Nowicke and the Tampa Realty Now team proudly present this Nohlcrest 3,318 square foot home which features 4 Bedrooms, 4 baths, a HUGE bonus room, 3-car garage, and heated pool and spa, all located on wooded conservation in gated Savannah at Plantation Palms!
Newer exterior paint and and tropical landscape invite you onto a brick-paver patio to the BEVELED GLASS FRONT DOORS! 
The spacious living/dining room combination has plenty of space for entertaining.
The spacious kitchen includes newer STAINLESS APPLIANCES, 42” MAPLE CABINETS with CROWN molding, GRANITE counters including an island, snack bar & built-in desk! 
The breakfast nook features an aquarium window with endless views into the pool area and conservation.
Breakfast bar seating blends the kitchen seamlessly with the inviting family room, which offers surround sound pre-wire, a large niche to accommodate the largest TV, and sliding door access to the pool area.
The home office, currently set up as a children’s play room, has glass FRENCH DOORS and views into the pool and conservation through six huge windows! 
The master’s retreat features 2 walk-in closets and private, direct access to the pool and spa. 
The master bath offers dual basins, a linen closet, garden tub and walk-in shower! 
Two spacious bedrooms near the family room have built-in desks and share a full bath! 
Bedroom 4 at the rear of the home has its own full bath that doubles as a pool bath! 
A 16x22' BONUS ROOM on the 2nd level features a WALK-IN STORAGE CLOSET & FULL bath #4! 
Dine al fresco year ‘round in the covered & screened lanai with a SPARKLING HEATED POOL & ELEVATED SPA with its newer 3-phase variable pump! 
This gated, GOLF COURSE community with a newly-updated FULL-SERVICE CLUBHOUSE has miniature golf, a lighted driving range & is minutes to TAMPA PRIME OUTLET MALL, restaurants, a community sports complex & a public library!
23327 Gracewood Circle – your new home in Savannah at Plantation Palms, Land O Lakes Florida!
For more information please call Your Tampa Realtor Linda Nowicke at 813-413-4343; email info@TampaRealtyNow.com; or visit our web site at http://www.TampaRealtyNow.com
Wonder what your Tampa area home is worth? Visit http://www.TampaRealtyNow.info 
Want to search for Tampa FL Real Estate?  Visit http://www.TampaRealtyNow.net
Thank you!
Video, voiceover and still photography original content by Craig H. Nowicke Photographic Arts © 2017 All Rights Reserved.  All production music licensed to Craig H. Nowicke PA.

Plantation Palms Home for Sale - Call Linda Nowicke 813-413-4343 to set up a tour!

Welcome to 23327 Gracewood Circle, Savannah at Plantation Palms, Land O Lakes Florida!

Linda Nowicke and the Tampa Realty Now team proudly present this Nohlcrest 3,318 square foot home which features 4 Bedrooms, 4 baths, a HUGE bonus room, 3-car garage, and heated pool and spa, all located on wooded conservation in gated Savannah at Plantation Palms!

Newer exterior paint and and tropical landscape invite you onto a brick-paver patio to the BEVELED GLASS FRONT DOORS! 

The spacious living/dining room combination has plenty of space for entertaining.

The spacious kitchen includes newer STAINLESS APPLIANCES, 42” MAPLE CABINETS with CROWN molding, GRANITE counters including an island, snack bar & built-in desk! 
The breakfast nook features an aquarium window with endless views into the pool area and conservation.

Breakfast bar seating blends the kitchen seamlessly with the inviting family room, which offers surround sound pre-wire, a large niche to accommodate the largest TV, and sliding door access to the pool area.

The home office, currently set up as a children’s play room, has glass FRENCH DOORS and views into the pool and conservation through six huge windows! 

The master’s retreat features 2 walk-in closets and private, direct access to the pool and spa. 

The master bath offers dual basins, a linen closet, garden tub and walk-in shower! 

Two spacious bedrooms near the family room have built-in desks and share a full bath! 

Bedroom 4 at the rear of the home has its own full bath that doubles as a pool bath! 

A 16x22' BONUS ROOM on the 2nd level features a WALK-IN STORAGE CLOSET & FULL bath #4! 

Dine al fresco year ‘round in the covered & screened lanai with a SPARKLING HEATED POOL & ELEVATED SPA with its newer 3-phase variable pump! 

This gated, GOLF COURSE community with a newly-updated FULL-SERVICE CLUBHOUSE has miniature golf, a lighted driving range & is minutes to TAMPA PRIME OUTLET MALL, restaurants, a community sports complex & a public library!

23327 Gracewood Circle – your new home in Savannah at Plantation Palms, Land O Lakes Florida!

For more information please call Your Tampa Realtor Linda Nowicke at 813-413-4343; email info@TampaRealtyNow.com; or visit our web site at http://www.TampaRealtyNow.com

Wonder what your Tampa area home is worth? Visit http://www.TampaRealtyNow.info 
Want to search for Tampa FL Real Estate?  Visit http://www.TampaRealtyNow.net
Thank you!

Video, voiceover and still photography original content by Craig H. Nowicke Photographic Arts © 2017 All Rights Reserved.  All production music licensed to Craig H. Nowicke PA.

Tampa Luxury Home Housing Report - September 2017

by Craig & Linda Nowicke

 

The charts below show the 7-day and 90-day rolling averages for list pricedays on market, and inventory for the metro area's luxury market (e.g. top 10 zips with median prices above $500k)

ILHM-TAMPA VS NATIONAL

The charts below compare the ilhm-tampa luxury market with the ILHM National Luxury Market Index and show 90-day rolling averages for Median List Price and Days on Market.

The chart below shows the Altos Market Action Index for the metro area's luxury market and the National Index.

Statistics provided by the Institute for Luxury Home Marketing.

Courtesy of Tampa FL Realtor Linda Nowicke.

Things to do in Tampa: Creatures of the Night

by Craig & Linda Nowicke

Creatures of the Night

Creatures of the Night returns with a bigger and better event for ghouls and goblins of all ages! Hoot, howl and hangout as the Zoo transforms into an eerie and immersive Halloween adventure for the whole family. Creatures emerge at dusk with spooky surprises around every corner. No horror or gore, just spooks and startles for all! Not just for kids and tweens - this is a Halloween event that doubles as a date night.

 Regular priced tickets to the zoo include entry to the event. 

 

More Information

Date(s): October 6, 2017 - October 28, 2017

Location:

1101 W Sligh Ave
Tampa, FL 33604
http://www.lowryparkzoo.org/events/attend

Tampa FL Real Estate For Sale: 23327 Gracewood Circle, Land O Lakes, FL 34639

by Craig & Linda Nowicke

Tampa FL Real Estate For Sale
23327 Gracewood Circle, Land O Lakes, FL 34639

View the Tour

 

UPSCALE SAVANNA at PLANTATION PALMS presents this popular 3,318 sf NOHLCREST floorplan situated on a .37 ACRE HOME SITE that offers 4 bedrooms, 4 baths, a BONUS ROOM PLUS HOME OFFICE, a 3-car garage & a HEATED POOL & SPA! Curb appeal galore with BEVELED GLASS FRONT DOORS, a BRICK PAVER entry, newer exterior paint & concrete landscape curbing! Entertain in style in the living/dining room combination. The spacious kitchen blends seamlessly with the family room & breakfast nook & includes newer STAINLESS APPLIANCES, 42” MAPLE CABINETS with CROWN molding, GRANITE counters including an island, snack bar & built-in desk! The family room with surround sound pre-wire has a large niche to accommodate the largest TV. The home office has glass FRENCH DOORS! The master’s retreat features 2 walk-in closets & access to the pool & spa. The master bath offers dual basins, a linen closet, garden tub & walk-in shower! Two spacious bedrooms near the family room have built-in desks & a full bath! Bedroom 4 at the rear of the home has its own full bath that doubles as a pool bath! A 16x22' BONUS ROOM on the 2nd level features a WALK-IN STORAGE CLOSET & FULL bath #4! Dine al fresco year ‘round in the covered & screened lanai with a SPARKLING HEATED POOL & ELEVATED SPA with its newer 3-phase variable pump! This gated, GOLF COURSE community with a newly-updated FULL-SERVICE CLUBHOUSE has miniature golf, a lighted driving range & is minutes to TAMPA PRIME OUTLET MALL, restaurants, a community sports complex & a public library!

For more information, please call Linda Nowicke at 813-413-4343; email info@TampaRealtyNow.com; or visit our web site at TampaRealtyNow.com

Wonder what your Tampa area home is worth? Visit TampaRealtyNow.info

Want to search for Tampa FL Real Estate? Visit TampaRealtyNow.net 

Why You Should Hire a Realtor

by Craig & Linda Nowicke

With the internet making information about selling and buying homes so readily available, some may wonder if they need to hire a Realtor. The answer to that is YES!  And here are some reasons why:

  1. Education & Experience

Just because you read something on the internet, doesn’t mean it’s true or accurate. For example, there is ample information on the internet about diseases and medications, but I would bet that if you were sick you would seek out a trained medical doctor to help you.  If you hire a real estate professional, you don’t need to know everything about the housing market or the ins and outs of selling or buying a home.  It is simply the smart thing to do to hire someone who knows more than you do!

    2. Your Realtor is Your Intermediary

Agents take the spam out of your property showings.  If you’re looking to purchase a newly built home, your agent will keep builders’ agents from overwhelming you. If you’re selling, your agent will help you avoid wasting your time with “lookie loos” who aren’t interested in purchasing and keep the focus on serious buyers.

    3. Neighborhood Knowledge

Realtors make it their duty to either have intimate knowledge about the neighborhoods in their area or to know where to find that information.  They can provide comparable sales information and tell you where to find a plethora of demographic material about the neighborhood, such as data about schools and crime.  They also have access to information regarding other homes for sale in the area and can use that knowledge to help you be competitive whether pricing your house to sell or bidding on a house to buy.

    4. Price Guidance

Realtors don’t select prices for buyers and sellers, but they can help guide them to make intelligent choices for themselves.  They will supply data regarding current market supply and demand conditions that will assist both buyers and seller with pricing negotiations.

    5. Market Conditions

A lot of time and energy can be saved by allowing Realtors to impart their knowledge regarding current market conditions. Yes, you can probably research it yourself, but do you truly want to spend your time doing that?  This type of information will have a large impact on what you ultimately decide to do.

    6. Professional Networking

With a competent Realtor, clients will have an “in” with other professionals they may need to buy or sell.  Legal liability will keep agents from recommending certain individuals or companies over others, but they know which vendors have reputations for efficiency, competency and competitive pricing.  So, they can provide a list of references with whom they have worked and assist you in making a wise selection.

    7. Negotiation Skills & Confidentiality

Top producing Realtors are great negotiators because unlike buyers and sellers, they are not emotionally driven. In addition, they have negotiation skills that make them excel at their job. They are professionally trained to represent their clients’ best interests and to keep information confidential from competing interests.

    8. Paperwork!

Today’s real estate purchase contracts can run ten pages or more. That’s a lot of paperwork. One tiny mistake can land you in court or cost you thousands of dollars. Avoid the risk and allow a professional to guide you through the process!

    9. Questions After Closing

A smooth closing transaction doesn’t always mean that there won’t be complications later.  There might questions that were overlooked in the excitement of closing on a home. A reputable agent will be there by your side even after the sale is complete to answer any questions that come up.

   10.  Relationship Development

Successful real estate professionals depend upon referrals for continued business. This gives them strong incentive to make their clients happy and satisfied. And it also means that agent will be there for you when you are ready to sell or buy again. Don’t be surprised to receive periodic updates from your agent in the mail.

The professionals at Tampa Realty Now are ready to assist you in selling or buying a house today! Give them a call at (813) 413-4343 or visit tamparealtynow.com.

 

http://www.tamparealtynow.com/Blog/Tampa-Luxury-Home-Housing-Report-July-2017

http://www.tamparealtynow.com/Blog/Preparing-to-Buy-a-Home-Your-To-Do-List

http://www.tamparealtynow.com/Blog/Steps-to-Take-Before-Selling-Your-House

Tampa FL Real Estate For Sale: 3110 Banyan Hill Lane, Land O Lakes, FL 34639

by Craig & Linda Nowicke

Tampa FL Real Estate For Sale
3110 Banyan Hill Lane, Land O Lakes, FL  34639

View the Tour


THE GATED ‘RESERVE AT PLANTATION PALMS’ IS PROUD TO PRESENT this popular 1,819 sf MAINTENANCE-FREE VILLA with 3 BEDROOMS, 2 BATHS, a 2-CAR GARAGE & FAIRWAY VIEWS from the elevated 10x20’ SCREENED LANAI!! Enter into the foyer that flows seamlessly into the dining room with its new chandelier & the living room with new wide-plank laminate floors! Easy-care ceramic tile floors grace the main living areas! The chef-inspired kitchen & family room combo is the heart of the home & features 42” white cabinets, a full appliance package incl a GE Advantium Microwave/Convection oven, an island, breakfast nook & a walk-in pantry! The master bedroom can accommodate large furniture & along with bedrooms 2 & 3 features BRAND NEW CARPET! The master bath offers a large, walk-in shower, dual sinks, a linen closet & a large walk-in closet with double storage shelving! The guest rooms share an adjacent full bath complete with tub & shower! The laundry room offers plenty of space for your full-size washer & dryer! Ceiling fans throughout! The lawn maintenance is done for you so you can enjoy time at the COMMUNITY POOL reserved for residents of The Reserve only!! The low monthly maintenance fees incl lawn/landscape, bldg exteriors, roof replacement, pool, road & gate maintenance & reserves. Plantation Palms is a gated, GOLF COURSE community with a newly updated FULL-SERVICE CLUBHOUSE, miniature golf, a lighted driving range & is minutes to TAMPA PRIME OUTLET MALL, restaurants, a community sports complex & a public library!

For more information, please call Linda Nowicke at 813-413-4343; email info@TampaRealtyNow.com; or visit our web site at TampaRealtyNow.com

Wonder what your Tampa area home is worth? Visit TampaRealtyNow.info

Want to search for Tampa FL Real Estate? Visit TampaRealtyNow.net 

Things to do in Tampa: River of Frights

by Craig & Linda Nowicke

River of Frights

 

Stay close to your fearless captain on this journey to uncover the dark secrets hidden amongst the waterways of Tampa. Travel along the shadow haunted passes filled with the sights and sounds of the betrayed and undead. Brave your way through unexpected terrors lurking on the river, including live, interactive entertainment. River of Frights is an intense adventure and chilling cruise experience! Book your tickets in advance to ensure availability!
$25.00 (plus tax) Thursday & Sunday
$35.00 (plus tax) Friday & Saturday
Boarding Time: 5-10 minutes prior to Departure
Cruise Length: 40 minutes
Friday, Saturday & Halloween Cruise Times:
7:00, 8:00, 9:00, 10:00 & 11:00 PM
Sunday & Thursday Cruise Times:
7:00, 8:00, 9:00, 10:00
Additional boat times maybe available based on demand. Cruises may be cancelled without notice due to weather or other circumstances.
Includes:
– 40-minute cruise
– Boarding Photo available for purchase
– Beer and wine available for purchase on board

Date(s): October 6, 2017 - October 29, 2017
Hours: 7:00 PM - 11:00 PM

603 Channelside Dr.
Tampa, FL 33602 
http://www.piratewatertaxi.com/river-of-frights/

Selling a Home with Pets

by Craig & Linda Nowicke

When selling your house, having pets presents some challenges.  Your fur babies are a beloved part of your family.  But it’s important to realize that not everyone feels comfortable around animals. Per a 2017 report put out by the National Association of Realtors, pet ownership has a “moderate to major impact” when selling a home.  So, it is vital that you consider the impact a pet may have on the bottom line when selling your home.

Some potential buyers may be perfectly fine with pets in the home, but for others, it might be a deal breaker. They might not ever walk through your front door if they know there are animals inside. Pets make some people very nervous, and others may have a fear of animals.  In addition, keep in mind that your pets are not their pets.  Even if they are pet owners and animal lovers, they don’t know your pets or what you allow them to do. At the very least, you should do your best to remove your pets from the house during open houses and when your home is being shown.  That means having a plan for those last-minute home showings.

It’s also a good idea to remove all signs of your pet  from the home when it is being shown. You want your home to look and feel as appealing as possible to homebuyers.  Cat litter boxes should be clean and kept out of sight.  If your carpets have pet stains, hire professionals to get rid of them. Replace them if necessary.  And be hyper aware of pet odors. Because you live with them, you likely don’t smell them. Have a neighbor come in and do a sniff test…and tell them to be honest if they smell pet odors.  If eau de doggy (or kitty) is present, try enzyme cleaners such as Simple Solution or Nature’s Miracle to get rid of it.  Put away food and water bowls when not in use and hide pet paraphernalia such as toys, kitty condos, leashes, animal beds etc.  Most importantly, vacuum religiously.  Every day. Sometimes twice a day.

Remember that whatever steps you take to “de-pet” your home are temporary.  The sooner your house sells, the sooner you will be reunited with your precious pets and life with them will go back to normal.

http://www.tamparealtynow.com/Blog/Deal-Breakers-for-Home-Buyers

http://www.tamparealtynow.com/Blog/Steps-to-Take-Before-Selling-Your-House

http://www.tamparealtynow.com/Blog/These-Are-a-Few-of-Your-Not-Favorite-Things-or-Things-You-Should-Get-Rid-of-Before-You-Move

Tampa FL Real Estate For Sale
11229 Windsor Place Circle, Tampa, FL  33626-2688

View the Tour

WESTCHASE AREA–WINDSOR PLACE OFFERS THIS LARGE 1,683 SF END UNIT TOWNHOME WITH BRAND NEW STAINLESS-STEEL APPLIANCES! WHY RENT when you can own this beautifully appointed 2 Bedroom, 2-5 bath, 2-car garage maintenance-free townhome just a bike ride away from Westchase, Starbucks, restaurants, upscale shops & walking distance to Publix! This popular GREAT ROOM plan with volume ceilings features newer 5 ½” wide plank laminate floors with plenty of space for large furnishings & a convenient first floor half bath. A handy under-the-stairs closet is the perfect place for extra storage. The GREAT ROOM blends seamlessly with the efficiently-designed kitchen with ample storage & counter space, WOOD CABINETS, closet pantry & breakfast nook! Relax & enjoy a cool beverage or dine al fresco in your PRIVATED SCREENED LANAI where Fido can romp in the grassy area just outside your door! The 2nd floors features a HUGE loft which makes the perfect media room, guest space or home office! The SPLIT BEDROOM PLAN offers a spacious master bedroom situated at the rear of the townhome with a WALK-IN closet! The master bath has a walk-in shower! On the opposite side of the loft is an amazing 13x18’ bedroom with volume ceilings & its own full bath. Enjoy closets galore, a laundry closet with space for a full-size washer & dryer & ceiling fans throughout. NEW ROOF 2017 & exteriors painted this year! Just steps to the SOLAR-HEATED COMMUNITY POOL with NEW BRICK PAVERS. LOW HOA FEES INCL EXT & LANDSCAPE MAINTENANCE & ROOF REPLACEMENT.

For more information, please call Linda Nowicke at 813-413-4343; email info@TampaRealtyNow.com; or visit our web site at TampaRealtyNow.com

Wonder what your Tampa area home is worth? Visit TampaRealtyNow.info

Want to search for Tampa FL Real Estate? Visit TampaRealtyNow.net 

Displaying blog entries 1-10 of 604

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Photo of Linda and Craig Nowicke Real Estate
Linda and Craig Nowicke
RE/MAX ACR Elite Group
14823 N. Dale Mabry
Tampa FL 33618
Linda: 813-728-3880
Craig: 813-675-5030
Fax: 813-961-6016

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