Florida Home Buyers BLINDSIDED By TREMENDOUS Cost To Own
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- Опубліковано 28 тра 2024
- After moving to Florida, many people have regret and unfortunately suffer the pitfalls that are costly! Some ultimately lose their life savings, encounter financial disaster, or end up leaving Florida for a more affordable place. What is the problem with Florida? In this video, I share my experience and the stories of many who have lived in Florida. This video is packed with helpful information so you don't end up being one of those that move to Florida, only having to end up leaving Florida after a short period of time.
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✳️ REVEALED: Living In SOUTH CAROLINA vs NORTH CAROLINA - • REVEALED: Living In SO...
✳️ SOUTH CAROLINA'S Top 3 BEST PLACES To Move To In SC - • SOUTH CAROLINA'S Top 3...
✳️ 7 Things You MUST DO Before Moving To Myrtle Beach - • 🔵 7 Things You MUST DO...
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✳️ MUST KNOW Before Buying Land and Building A House - • What You MUST KNOW Bef...
✳️ Absolutely NEVER Buy This Type Of Home - • Absolutely NEVER Buy T...
✳️ AVOID MOVING TO SOUTH CAROLINA - Unless You Can Deal With These 10 Facts - • AVOID MOVING TO SOUTH ...
#movingtoflorida #movingtoflorida2023
Brought to you by:
Jerry Pinkas Real Estate Experts
604 N 27th Ave
Myrtle Beach, SC 29577
843-839-9870
🟢 Start Here! - www.HomeGuideMyrtleBeach.com
Disclaimer: All information given in my videos is meant to be educational. This video is not intended to replace your research, nor to provide legal, investment, or financial advice. For legal advice consult a lawyer.
✳ Moving To Florida? Alternative Places BEFORE Buying, Relocating or Retiring! - ua-cam.com/video/VRTjNfGeybY/v-deo.html
Mexico is by far much cheaper for retired people
@@Don-er1qf how much do you have to pay the Cartels?
@@dm19609721 zero
Hello from island🏝️🏖️ Brisbane Queensland Australia 🌏🦘
@@Don-er1qfHello from island🏝️🏖️ Brisbane Queensland Australia 🌏🦘
Anyone notice that it is getting harder and harder to find a low-cost, nice, reasonable place to live?
Thanks for watching! Did you see the other video I did about that?
SC Beach Towns You Can Actually Afford To Live In -> ua-cam.com/video/n2kEXk646-8/v-deo.html
The TRUE Cost Of Living In Myrtle Beach SC -> ua-cam.com/video/v2Zmk19YR3E/v-deo.html
We have a lot of super helpful info, to share, Just give us a call at 843-839-9870. Talk soon
well, when i still lived near home, palm beach gardens area, it was about nonexistent. and this was... 2018. there's a lot of stupid messed up stuff around building contractors and nobody wants to do reasonable housing, it's not as lucrative. SO, they built these high end places that usually only snowbirds or people with $$$ to have multiple residences can afford. and it really pushes out the regular people who live and work in the area. commutes get longer and longer.
In central Florida they are rezoning what use to be tomato and corn and bean fields to put in 10or 12 blocks of houses that have maybe 10 ft between one house and the next and selling them for like 300k. And now they wanna Zone for retail because heaven forbid these people have to drive 9 miles to a store.
It's crazy, even the 55+ trailer parks are charging like $900-$1200 a month Lot Rent. So they have a trailer payment as well.
In SW Florida, "affordable housing" starts at 350k. And goes up FAST
It's the agenda. They want to see only the richest people having a place to live.
I was thinking of moving to Florida but over the past couple years, however, I believe that I've changed my mind. I live in a quiet mid west state with clean water and blue sky's, low taxes, and nice outdoor recreation. I think I'll just visit Florida a few times each year for vacation then drive home and relax. How's that sound to you folks out there?
Florida is a great place to visit. Owning and living in Florida is no longer what it once was. Thanks for watching
Thank you
Which Midwest state? We want to stay in this area for retirement but Illinois is so expensive.
I’m a Floridian. Lived here for over 30 years. Florida is not the same. It’s way overpriced and over crowded & I think things are getting worse & everything is priced high. If you are comfortable where you are, I would say stay & just vacation here. I’m not going to lie, the winter weather here is heaven, but!! It’s getting too expensive just to live here.
@@HotgyalB wasn't Heaven this year more like.H E double toothpicks unless you like over 90° sweltering Heat in the winter and spring it is normally nice in the winter though all two weeks of it haha
I have lived in Florida since 1980. I loved it up until about 10 years ago. The decrease in quality of life, plus the massive increase in cost of living with practically zero increased pay, has made this place unlivable except for the really rich. Great job telling the truth on this video, so many people are moving here with no clue as to how unsustainable it has become.
This is true. Wages have stagnated for years. Unless your very wealthy person, Florida is unaffordable.
Theres not alot of ground for a middle class in Florida, and the pay overall in this state fckin sucks, we pay just to exist
Been here since 1970. Quality of life started the decline 20 years ago and it's getting worse
Yeah have not gotten a pay raise in over 4 years and went almost 10 years Pryor to that, and they call this a career😂
yep, but they keep voting for republicans, LOL.
Lived in Florida for 38 years. Had a great career, raised two Florida born children and enjoyed all of the health benefits the “Sunshine state” had to offer. However, finally left for these main reasons - sick of the brutal summers, more frequent and more powerful hurricanes, rising homeowners insurance and last, it is becoming way too overcrowded. Moved to NC and very happy here in my retirement years. Still have fond memories of Florida but it was time to move on.
Couldn’t have said it any better myself, you were absolutely right!
People were super super friendly here 40 years ago, just like New York assholes now !!!
Born and raised here.. been here my whole life, except for my military years. I'm approaching my 70s and wouldn't want to live anywhere else I don't see how anyone can leave the state they Were born in. Thanks for your honesty and not bashing my state.
I bought my house 35 years ago and the number one thing I wanted was a non deed restricted neighborhood. The worst mistake people make when they moved to Florida is buying a house with a homeowners association and a lot of deed restrictions.
Thanks for watching! Did you see the other video I did about that? HOA HELL? HOA HEAVEN? 10 Things NO ONE Tells You About The Problems with Homeowners Associations - ua-cam.com/video/Gs6-hxJtLqo/v-deo.html
Yep! I know that from Vegas! I heard many a horror story about HOA’s wreaking havoc if one was not liked! Boomer evil!
Maybe but you can't set up a AirBnb in a HOA or deed restricted neighborhood. It is becoming important everywhere that the next door house does not become a party hotel.
yeah, but then you've got a neighbor with a car on blocks in the front yard.
@@scott5966 If they have the engine block hanging from a swing set that is ok.
I leave Florida tomorrow. As a senior I can no longer afford to live here. Corporations buying up properties and redeveloping while dumping seniors on the street. Florida has really done a 180 when it comes to a retirement state.
Thanks for sharing your story and the truth about what is really happening in Florida!
Yes - I owned a home for 31 years in FL and all was affordable and moved to GA. My friend has a mobile home only 1000 sq ft and the homeowners keeps going up. She now pays $2100. The tax breaks for seniors are not as good for seniors as here in GA. I miss some things about FL, but since I retired and single will not be able to afford going back.
@@echogl good to know, I m recently retired & want to sell to move. Single also so its hard on one SS income. If you need a non smoker roommate let me know.
😪😪😪
Where are you moving to? Good luck with your new location!
I resided in Central Florida nearly all my Life and quite recently bought an idyllic home in Boardman, Ohio. My cost of living has plummeted to wonderful lows! I purchased my new home 🏡 outright, in cash 💸 for only a tad over $80,000. The cost to own and run a home in Florida had become utterly unsustainable.
Good for you! Then , you can just fly to Florida to break the winter up. Frankly, I don't think I like the warm weather year around anyway.
Well, I hope you like the high taxes in ohio and the cold Winters. Alone the blizzard you get. I went back up there in 70 from 1975. And ithe coldest 5 years I ever had blizzards. Nothing but cold ice and blizzards now. I couldn't even afford the heat bills. However, you've got a home for 80000 now. You can't even touch a home up there. Dislike Florida, Rent is high, so either. You're going to pay it to Renter or Or Ownone. Doesn't matter where you're Atas long as you're happy and can pay your bills.
@@esterdrass4964Snowbirds Stay Away. Don't bother to come and play!!!
@@peterpinchero Boy are you a day late and a dollar short on that demand.
Yea good for you but one day you will wake up and realize that you are in Ohio, really Ohio, 55 other state, Obama not me said there was 56 states, to choose from and you picked Ohio.
Bought a house in Bradenton Florida 2005. It cost me $123,000. It was gorgeous. It had everything I desired. Hardwood floors, French doors, inground, pool, hot tub with a big arbor over it, I could go on and on. I have been living in Florida for approximately nine years before I bought the Home. I turned around and sold it in 2006 for $300,000. I made a good profit and moved back to Massachusetts. I kept following the house online. I felt really bad for the buyer. A few years later she sold the house for $151,000, then I followed it again and it sold for $55,000. I could not believe it was happening to the beautiful house I had once owned. I almost re-bought it, but then I remembered, I could not stand the heat. This is something that people really don’t talk about. I’ve seen old people die of heat stroke. Right in front of me.🤦♀️ I don’t understand how old people want to go somewhere to retire, and be at risk of dying of heat stroke. Also, the medical and care that you receive there in Florida is nothing like Massachusetts. Also, I did not feel that they had a good educational system for my young daughter. Those are the things that I took into consideration. This was a great video. I moved the year we had 4 hurricanes come through, one of them was Katrina. She went straight out the Gulf of Mexico. I lived 20 minutes south of Tampa. On the Bradenton Sarasota line.
It must have been in the ghetto if it sold for 55,000
My parents lived in The Villages in Florida for years and eventually moved out because of all the HOA rules changing and fees increasing, all the time. These HOAs are often run by immature, unprofessional people who love to play politics and have power over other people's lives. It's a big headache to put up with in your retirement years. I've had enough myself.
Thanks for watching and sharing. Did you see the other video I did about that? HOA HELL? HOA HEAVEN? 10 Things NO ONE Tells You About The Problems with Homeowners Associations - ua-cam.com/video/Gs6-hxJtLqo/v-deo.html
@@JerryPinkas Yes, I did, Jerry. Also called your office to get some consulting on Florida insurance companies relating to the roof replacement issues. Told your secretary I'd be happy to pay you by the hour. If she lost my message, I'll call again. Thanks
@@JudgeBuster Sorry, I cant answer as far as Florida insurance companies relating to the roof replacement issues. That's more of a legal issue that attorneys could answer. Thanks for taking the time to watch and comment. See you in tye next video
Besides the politics and fees, the villages was an amazing place say 8 years ago
Just think how miserable your life would be without the HOA's, I'm sure you realize that the HOA works for you, it probably had to put in line even your neighbors
There's a reason why until 25-30 years ago, Florida homes were one story solid cement homes with small windows on the coast side of the home and larger windows on the other. Now they put up frame construction mansions right on the water.
Thanks for watching and sharing your story with others
You are exactly right.
Houses north of Daytona are frame and fall apart within 10 years. Large builders throw up garbage and Building Departments are controlled by Politics.
It should cost more if you have more claims why would I as a northerners have never had a claim has to pay for the 100k roof. Just my thought
@@fincherelli73 roofers set their price according to the market not insurance claims.
I've lived in Florida for 12 yrs. On the west coast which I paid for in cash.
I'm wondering where your getting the information that the state of Florida REQUIRES flood insurance. I understand that if you have a mortgage many lenders will require flood insurance, but this is the first I've heard the state requires it.
This is from the Florida Dept. of Financial Services web site this morning 10/20/2023.
"Flood insurance may help pay to repair or rebuild your home and replace damaged personal property. Florida law does not require homeowners to have flood insurance. However, for most consumers, your home is one of your largest assets and insurance will help to offset the cost to repair or replace your home."
So can you explain your sources for the statements that Florida requires flood insurance, when you created the video 6 months ago?
I've only owned homes in upstate NY and Florida, and I think the costs and whether its a net more expensive depends on where your moving from.
For example the house in NY near Rochester, normal development not high end by any means , property and school taxes were over $12,000 per year, NYS income tax( which florida does NOT have) was over $7,000 per year, house insurance was $600, that's a total of over $19,000. These are numbers when I moved in 2011, and I don't think NY has lowered their taxes in the last 12 years, but raised them.
In Florida I have a house on the Gulf of Mexico, dolphins swimming in the canal in the backyard once in a while, Today my property taxes for a 3 bedroom, 1600 sqft house on the water are less than $2000 per year, hurricane insurance less than $2000 per year, flood insurance $4000 per year . This totals approximately $8000 per year . These are numbers from 2022,
Thats still a net savings of over $11,000 per year compared to living in the burbs in upstate NY. In short, just with the various state taxes, and home insurance, I've saved $121,000 in 11 yrs moving to FL vs staying in upstate NY.
So yes I agree some things cost more in FL, but its all relative to where you're moving from.
Thank you.
Ga. is the same. No flood and if you live outside of the city limits no school tax. Your gulf property sounds nice
Your 100% right..
The statement about mandatory Flood Insurance is not correct. It depends on what Flood Zone you are in and your Mortgage Lender.
Another item of interest, depending on the County, you may be forced to build your house on pilings. This depends on whether you are in a coastal flood zone.
This is a new thing, but I can confirm it's true. Flood insurance is required, and a new roof if older than 10 years.
All policyholders of the state run Citizen's Insurance are now required to buy flood insurance. This does not apply to other insurance companies or uninsured homes...yet. But it's only a matter of time before other companies adopt Citizens requirement.
After 50 years in Florida, I moved to Wisconsin. Insurance fell from $7500 per year to $950 per year for essentially the same size house. Taxes fell by half. Sure I now have colder winters and I miss my palm trees, but I have a helluva lot more money in my pocket to spend on ME.
Bro, you now live in the North Pole. That's a solid 6 months of harsh winter. NO THANKS
I've been in my condo in Sedona, Az now for 44 years. My HOA is $230 and taxes $146 a month. I absolutely love it here, not too hot, not too cold. I bought my forever home when I was young
Thanks I will take Florida's weather over Wisconsin weather anytime. Downtown Minneapolis is a burned up mess.
The money you saved will buy a lot of snow blowers. Welcome to Wisconsin.
@@GEN_X_ Dude is saving close to 6 grand a year in insurance and you're talking about harsh winters? What about hurricanes? Right now we're projected to have the highest amount of hurricanes ever.
My husband and I are Floridians, my hubby is generational Floridian. We can no longer afford to live here, mostly do to high insurance costs and rising taxes w/ cost of living. We are seniors and feel so upset about our situation. :(
Thank you for sharing your story about what is really happening in Florida! Thanks for watching!
Same thing happened to my Montana 😢
Is all around US, California is worst than Florida. is all inflated
I'll trade , southern California..
I'm in missoula montana. Just got another $200 rent increase in mail. That's 3rd year in a row I got an increase.
Florida has been destroyed by people moving here, cutting everything down, developing what used to be beautiful unspoiled land/beaches and turning it into countless sprawling subdivisions and huge luxury apartment complexes and hotels. I'm in my 50s and my town went from 63,000 people to over 350,000 in 50 years. The Florida we remember is gone, now its just people, people, people. Too many people.
100% truth! Florida has changed. Thanks for watching.
Exactly
You’re describing my home town on the space coast. We can’t move without stepping on a yankee. All of our wonderful wildlife has been crushed under the wheels of “progress”.
@@actuallyitisrocketscience thanks for watching and commenting
That same band is now routing and trashing SC!
I never really understood Florida, which is basically a swamp that builders sold people on. Horrible Dr's for seniors, salt water, yuk, alligators, bugs, horrible humidity, and mold. I don't understand all the hoopla.
🎯
good then stay the hell out we don't want you here
After I became a Florida resident after college in 2012 I found out how they avoided having state income taxes. Registering my 15 year old car was nearly $1000, which caught me off guard.
I heard that's just one time per vehicle, right?
That's only if you bring a car in from another state.
I have been a central Florida resident since 1990. A few years back I moved out of my home to an apartment because it better suited my lifestyle, and I rented my house out. Until 3 years ago, I had a beautiful 2 bedroom apartment with a rent of just under $1200 per month and my rent only went up by around $50 to $100 per month. Once covid hit and everyone started moving to Florida, my lease renewal jumped my payment from under $1200 per month to just over $1800 per month in a single increase. Now looking the current cost of my apartment now rents for $2065 per month, it has nearly doubled in 3 years. Thankfully my home has a fixed mortgage and ended up just moving back to my old house. Prices are just ridiculous now.
Thanks for sharing your story about what it's like to live in Florida. Thanks for watching.
Landlords have insurance payments too and they go up just like a house.
Florida was recently voted #1 for economic freedom.
@@dandeitch3459 Thanks for watching and commenting
@@Johnrigsby The cost of ownership is ultimately paid for by the renter. Thanks for watching and commenting
I'm a Florida native, born and raised and just moved out of state. The high housing costs were starting to be ridiculous and I'm an educated decently paid professional, so I can't imagine how someone who is barely making it, is able to survive. If folks are willing to pay it, they will continue to price gouge and raise the housing costs, Florida residents have to stop bowing down to this greed. Smh......
Thanks for sharing your story and the truth about what is really happening in Florida!
Good luck. It's this administration! Get rid of them.. not just Florida
@@salesadmieze9049 Which administration?
@@lwills8609 They mean Ron DeSantis !!!
@@jo-annemuise470 Baloney. They mean idiot senile zombie Biden who is trying to destroy your life and the country's economy.
I moved here in 12/09 to care for my mom in her final years. Now I’m disabled from a crappy driver and felt like this place was Hotel California as I checked out anytime I liked but could never leave. I put my house on the market when I found a tiny Home community in N GA. Sold in 5 days and now I’m able to comfortably run not walk out of this state in 20 days.
Cute, a tiny home community! I hope it works out for you! ❤
Good for you. Enjoy your retirement with extra jingle in your pocket!
Yup, i spent 7 years in Port Saint Lucie, Florida. Moved out of the state this past November. Became too expensive to survive with low paying jobs that never increase wages. Glad to be gone!
So how has the tiny home community worked out so far?
YEAH!
Long-time FL native here, what he says is true. IN ADDITION, auto insurance has tripled in last 6 yrs. I made the mistake of retiring here and really regret it - i now can’t afford a move out of state. Living here is VERY different from vacationing here.
Thank you so much for taking the time to watch this video and share with others what it is really like to live in Florida today!
Where are you from really I'm a real Floridian
When I bought my house in Florida I didn't realize that it was in a storm surge mandatory evacuation zone. I was limited to only Citizens, the default insurer. When they raised me $1,000 over last year I checked around, found that only a couple other companies would insure me, at triple the premium. The insurance crisis here is real.
Thanks for sharing your story about what it's like to NOW own a home in Florida. Florida has changed. Thanks for watching.
@@afriendtoo6971 Protecting people from knowledge is no virtue.
We had the same issue in Massachusetts with a 100+ year old home. Regular insurance companies wouldn't insure our home because of the age. We were forced to get state insurance after insurance legislation was passed to protect the insurance companies. Our homeowners insurance tripled.
@@CraftHarlot Sorry to hear that. The alternate insurers here wanted over $12,000 a year for their "discount" coverage. The brick house was built in 1961, has locking metal hurricane shutters, metal braced roof joists, hurricane rated doors, etc.
dude, i'm so sorry. i know if you don't grow up and live there, things like that are just not known. and it can ruin you.... : ( the insurance got REALLY bad when a bunch were pulling out of the state because of hurricanes being worse. which, *really??* how is that even legal? and the triple premiums was INSANE. they started that around this time but i forget what year it was. 2006-2009 i remember seeing it.
I bought a foreclosed mobile home on a 1-acre lot in central Florida (about 30 miles south of Orlando) in the year 2000. It cost $32,000. I always felt the bank was selling me the acre and throwing the house in for free. I still live in the same house. I had a new roof installed about 5 years ago. I feel super lucky that I found this amazingly affordable "cardboard" house. Multiple direct hits from hurricanes (hence the new roof), but otherwise the house has held up great. No Home Owners Association. No home insurance. It's about as close as you can get to "old Florida" while still living reasonably close to a big city. My situation is definitely NOT the normal Florida homeowner experience. It pays to *really* shop around. Sometimes your 5th choice turns out to be the best one.
Thanks for sharing your story and thanks for watching.
Save your money. You never know when you’ll need to dip into it. But this applies for any State. Each one has their own unique weather issues and social problems. Crime costs too in the form of insurance. Car, home, life.
I think it also where you live. My brother lives near pensacola. I have lived in north and south florida and I have family who have lived in central florida. I grew up in south florida and had my first job in south florida. I knew I was not staying there where living in . Went to north florida and the prices dropped. As you said shop around, look at the development occurring in the local area and think about how that may affect you.
Perfect. Here is a comment I posted elsewhere, but it fits so well with yours, I'm repeating it. -
One of the biggest reasons for all those issues is the kind of houses in that neighborhood. 100 years ago, there were probably no houses in that area because people knew it flooded in storms. Any houses that were there were built from local materials with local labor, much of it the homeowner's and his family. The house was built well off the ground, which made it cooler in the summer and minimized damage from flooding. The equivalent today would probably be a trailer house, what the P.R. people call a "mobile home". How much would it cost you to insure a mobile home in Florida? How much would the taxes be? How much would it coat to replace one damaged in a hurricane?
good choices you made! congrats!
Lived in Florida my whole life up until a few years ago. Cost of living went up, taxes went up, but the real kicker was after a hurricane when we had some damage to our roof and everyone around us was getting new roofs but ours “wasn’t bad enough” so we had to pay out of pocket for some minimal repairs. Yet neighbors were taking advantage of the storm and getting brand new roofs paid for which in the end caused massive rate increases to everyone. Buyer beware is all I say. There’s a high cost to live in “paradise” and honestly it’s not worth it.
Where did you move to+
@@thomasatwood1124 do you live in Florida? I notice that everyone always focuses on income tax. Yes there’s not an income tax but there’s other cost of living besides that. Florida USED TO BE affordable. It is not as affordable as it was 10 years ago. Gas, groceries, PROPERTY TAXES, INSURANCE. Do more math and research. #keyboardknowitall
@@thomasatwood1124 oh and Floridas pay rate is relatively lower than other states. It equals out in the long run. Unless you are retiring and moving there with a nest egg, it can be a struggle bus to make ends meat.
@@thomasatwood1124 you’re comparing apples to oranges. You moved from a bustling metropolitan city to a retirement haven beach town. Had you moved from Boston to Miami or Ft. Lauderdale, you wouldn’t see the savings quite as much…
@@thomasatwood1124 lol yeah we actually moved to the northeast but in the country. I can honestly say my dollar goes further here. As for the heat bill it’s compatible to the outrageous AC bill. I love how you transplants try to argue and justify your decisions. Give it time. I lived down there almost my entire life up until 2 years ago. It’s not the same. Enjoy your retirement 👍🏼
Lol, anyone who doesn't know Santis should think hard before moving to Florida unless they have the cash to pay everything in full before and after the weather hits and all the insurance companies leave. Florida is a flat, oversized sand bar with a swamp in the middle subject to rising ocean levels, rain, moving shorelines and whatever climate change provides.
Huh, I was a hurricane Katrina victim and State Farm refused to pay up! Four years in a class action lawsuit to get less than a fourth of what they owed me. Disgusting.
Oh Wow! Thanks for sharing your story
We call them Snake Farm. I was hit in the car while pregnant by one of their insureds... unfortunately they didn't even give me enough $ to fix my car. Jerks.
@@lucybrenton149 Yup. My public adjuster told me the name as well! The first thing they did after hurricane Katrina was send off checks for $3500. Those insurers who cashed those checks had no more recourse to receive the amount they were due. They closed my file and had to threaten suicide with a huge sign in front of my property to explain the reason for it, and miraculously it was reopened. The hurricane was a piece of cake compared to the four years fighting State Farm.
State Farm have always been shite if you need them to pay out!
If I was an insurance company I would not insure any area like Florida or where storms and tornadoes are a yearly occurrence. If you are dumb enough to stay in an area that destroys your house every couple of years then your just brain dead.
Moved to Florida from the Midwest last year because I grew up in Florida as a kid. Ever since moving here I have realized the terrible mistake I’ve made. I had it made in my home state only to come to this disaster of a state. So much fraud here and now I’m paying through the roof with auto and homeowners insurance. It’s gotten so overcrowded and I feel suffocated when I have to go out and run errands. I wish I would of just took my vacations and stayed in my peaceful home state. I’m not happy here. If you’re thinking of moving don’t do it!
Wanna sell cheap?
You are 100% CORRECT !!
Florida is a nightmare to live in.
Florida is a big place,where are you located?
@@rick-be - I was born and raised in Florida.
How long have you lived in Florida?
2yrs ?
5yrs ??
10yrs - ??? WOW, you are a long time resident !!
Lol.
@@dougkirby8434 I repeat Florida is a big place,I love Miami and Clearwater and kinda liked Naples which I can't afford.
Never wanted to move to Florida but so glad your warning everyone
Thank you so much for taking the time to watch this video and comment here on this channel I truly appreciate you doing so and I’ll see you in the next video
I moved from SW Florida to the Smokey Mountains in 2020. Best decision I ever made!!!
One of the problems in Florida is that we are full of unqualified workers scamming customers for insane prices, so your new roof may be improperly installed and your warranty means nothing when the installer goes out of business.
100% truth! Thanks for watching and commenting
??? That happens in ANY place that has natural disasters? Anywhere that is flood prone, cyclone prone...all over the world.....THAT is not just a Florida problem??! It is also the LEAST of the problems Florida as!
It has nothing to do with unqualified workers - that's the result (or the last link to the long chain of reasons for that) of Florida politics and greedy rich people living here.
Because of the outrageous prices of everything over here, the professional workers move away, and the company owners, who are as greedy as their clients and customers, always(!) try to hire the cheapest people they can find.
So, that's definitely the politics of rich and selfish (new) Floridians reflected in governors like Rick Scott and Ron DeSantis, who don't care about the problems of their electorate unless you are not one of their rich donors.
They want to make Florida exclusively for the rich, which is pretty idiotic because it seems soon even a waitress has to be a millionaire to afford to live in Florida...
You just need to see the building inspector's approval before you'll sign off on the payment... People just need to be less trusting and learn how to protect themselves these days. Just telling any roofer you want to see and confirm his license with the state prior, and will need to see the building inspector's sign off as the work progresses and you'll be fine. Just saying those things will scare off the scammers. Caveat Emptor.
Them Florida roofers are in in PA,NJ,& dalaware taking jobs! Makes me mad to see florida tags on a work van in the northeast.
If you don't have a mortgage, you can buy whatever insurance you want. Flood insurance is not mandatory if you own your home outright. Its the banks that force you to buy expensive insurance. Sometimes, the insurance companies are subsidiaries of the banks. Like they say, he who has the gold, makes the rules.
Thanks for watching and commenting
I own my home outright. No mortgage. If my insurance keeps going up I may just look into carrying liability insurance.
@@stephencullum8255 Unfortunately this is whats happening in Florida. Thanks for watching and sharing your story with others.
Another issue if you're considering a FL retirement community: I heard another channel mention that if one of the things you like to do is go shopping a few times a week - so do all the other retirees! This woman said that when she moved 10 years ago the traffic was fine but now with so many incoming folks, she needs to travel only at certain times of day to avoid the gridlock. So there goes any spontaneity.
I retired to Florida in 2015. The costs have skyrocketed in the past 3 years. I moved here to be closer to my family but now I regret moving here. Auto insurance, home insurance, HOA fees, utilities have all doubled.
Everything keeps on going up and cost in Florida that’s for sure. Not a very good scenario for someone on a fixed income and Retired.
Play stupid games win stupid prizes
I live in Florida and flood insurance IS NOT mandatory. It depends upon the area your home is located in, based on FEMA flood mapping. I am not in a flood zone and I do not have flood insurance. To the remainder of your points, those are issues a home buyer should know prior to completing a purchase in Florida or anywhere in the world.
Thanks for watching
You are correct and many of these transplants to Florida have no idea what they are doing.
@@lisagardner903 Starting Jan. 1, 2024, Citizens Property Insurance will start requiring anyone with more than $600k coverage to carry flood insurance. Over the next couple of years, they will phase in a requirement that all insureds carry it. Thanks to a bill signed late last year.
You can check flood maps before you buy. I am not even in the 500 year flood plain. Last year while much of Orlando flooded out for Ian , I did not flood. Some minor ponding on the front yard, which came and went through the storm. As the storm left my area the excess water had already drained off. If it did not happen with Ian not likely to happen .
Good stuff to know!
My mother had a tree go through her house during Ian she lost everything and is STILL fighting to get her check almost 8 months later, she has been living with friends since. Also, we have friends who live in Orlando they were able to go to their Tampa family residence in a day trip, now due to all of the people living in Florida the traffic is so bad an hour trip has turned into a 3 hour trip, the traffic of new residence is a real issue.
Thanks for sharing the truth about what is really happening in Florida! Thanks for watching
For sure. What used to take about 45 minutes is now an hour and a half. Driving from Cape Coral to Disney used to be about 2.5 hours, now 3.5-4 hours depending on how many accidents there are.
My parents owned in Cape Coral since 1978. Two of my brothers are still there. One brother was out of his condo for 6 months. The repairs still haven't been done. He is upset.
Not to worry RHONDA SANTIS has it covered - he's Fighting with DISNEY, Trans people, BANNING bOOKS & DRAG sHOWS... YOU KNOW - THE IMPORTANT STUFF...PFFFT
used to be (S FL) that miami was the crazy insane non-stop traffic, and rush hour near palm beach wasn't great. but since college, i've watched traffic OVERRUN where i grew up and lived. northlake blvd and pga blvd became impossible clusterfks and it was like rush hour ALL the time. i never wanted to go out, errands became SO much more blechhh. and it's still creeping. donald ross got enveloped, indiantown road...... i saw back in 2005 how BAD it was getting and it continued to get worse.
unfortunately, that's what you get when everyone moves somewhere. I hopped up a state and have seen traffic doing the same thing. went a few towns up, and it is quasi-rural and they are developing the SH*T out of this place.
maybe it's the population explosion and not just a "people moving here" thing.... who can say?
driving across the big city tho? hoooooly hell. 45m trip is like.... double to triple time, as you say.
Moved out of Florida in 2020 after living there for almost 60 years. Republicans took control of the state in 2000 and the slide downward has not yet hit rock bottom. High property taxes, extreme insurance costs (home and vehicle), out of control traffic, not to mention a state that now seems to be hate driven. Not the state I moved to in the late 1960s. What you save in no state income tax it paid out in other expenses. I moved to the mountains of North Ga, a four-season state. My property taxes are very low, because I am a senior I pay zero in state income tax because of my fairly low income. Car and property taxes are also lower. I went from living in a townhome in an HOA community to a beautiful 2-bedroom room with a view from the long front porch and windows of the mountains and lake.
Yes, this is MAGA country.
Have to chuckle since I bought my 1100 sq ft 2 bedroom full basement 1930 farmhouse on 1/2 acre of land at the edge of a Midwest town of 1,700 people in 1999 for $7,900, the annual property tax has never gone above $250, one year it went down to $99. I pay around $30/mo for water, sewer and weekly garbage pickup.
When I went to add a room on in 2007, the building permit was $5, no inspection, no BS
Even today the assessed value of the land is still around $5,000 and the house around $16,000, people choose the worst places to live and pay thru the nose for everything, $12,000 a year for INSURANCE???? holy cow that's insane!!!
We live in the NE. We get an occasional hurricane and winters are long, BUT, from my experience of visiting Florida, I have absolutely no desire to move there. I hate heat and humidity and am not too thrilled with very large bugs, termites, mold and of course those friendly alligators…..! Our house is paid off and we recently made it more suitable for aging in place. We love our garden and living in a friendly small town. So no real reason to move. Also, when you move far away from your roots, everything becomes unfamiliar. You lose your excellent doctors, your reliable mechanic and of course so many friends. Thank you for your excellent insights.
I live in SE CT and have stated many time since I bought my house 30+ yrs ago, our weather is 2nd to only San Diego CA.
YES I do burn wood and love the warmth of it. Also absolutely love the 4 seasons too.
Added bonus, no ridiculous critters to be afraid of. Life is good in the NORTH EAST…
But don’t tell anyone…. The traffic is ridiculous… but that is true everywhere as well. 🙄
You are welcome. Glad you enjoyed this helpful video.
Thanks for watching and commenting
I've lived in Tampa bay for over 40 years. I lost my house to forclosure due to becoming unemployed back in 2016. I've been rebuilding my credit and bank account since then. I've been renting since the foreclosure, and while I was waiting for that to clear, things went nuts. Now I can't afford to buy unless I go into crushing debt with a payment that I can barely afford, and that I'll never pay off before I retire. I'm outta here! I'll miss Florida, it's been fun.
Oh Wow, thats for sharing your story and thanks for watching.
How is in that many years, you still had a mortgage that got foreclosed on? It sounds more like you were refinancing multiple times and living off the equity you were building in your house. That's not what a personal residence is for.
@Unknown Individual nope. Hired a lawyer, fought the forclosure. It's a common thing.
@@unknownindividual731 They didn't say they bought the HOUSE 40 years ago, just lived here that long. Big difference. And getting UNEMPLOYED is plenty of reason to lose a house. They kinda want their payments on a timely basis, and no income, no refinance.
I am very sorry you lost your home Steve. Not to difficult or strange to happen. Whether due to foreclosure or anything else. It’s always painful.
Good thing is you are getting out of here hopefully for good.
I wish you a better luck in your new home purchase.
You will make it again!!🙏🏼
The reason I've always lived in an apartment instead of buying a house (even though I could afford it) was that the total monthly amount I'd be paying for insurance, a much higher utility bill, taxes, and maintenance was higher than the apartment rent. I also considered a lack of annoyance of dealing with maintenance issues and the waste of time involved in it, which I delegate to my landlord. If I'd bought a house, given the above-mentioned cost of incidentals, I'd be throwing out of the window almost the same amount of money I pay for the worry-free apt. living.
Thanks for watching and commenting
I am thinking about moving to Florida from NJ. So, you say renting is much better than owning at this point since the insurance is high?
Bingo
@@deecaron9760 If you read my comment carefully, you'll see it's not just the insurance. It all depends on what your situation is. If you have a family, a house is almost a must provided you can afford it. I've read some horror stories recently about home ownership in Florida. I don't remember the details, but I'd strongly encourage you to do a meticulous research online about all the ins and outs of living in that state, especially if you're not a millionaire.
Thank you! After 31 years, I'll retire from UPS, and for a while, because the weather and grandchildren, the Orlando area was my top choice. Not anymore. Lately I been on the fence, but you just helped me make my final decision. It's a no.
Hi
But Ga sorry to hear that but well at least its not NJ.
@@vietnamvet4533 ok
Ah Gee you miss a $10,000 dollar week in Orlando !
Thank you for your service.
I grew up in Florida in the 60's-80's and it was great. Once Disney opened (early 70's) and the tourists descended upon us, it was just too crowded. You don't have a state income tax, but the property tax is high, as well as the cost for homeowner's insurance. It will always be home in my heart, but I couldn't afford to move back even if I wanted to (which I don't).
100% truth! Thanks for sharing your story. Florida has changed. Thanks for watching.
That was done to keep the poor from moving in. Florida politicians know what they are doing. Look at California, Oregon and Washington state....all homeles, high crime amd druggies running about...now look at Florida. You need to pay to play in Florida, and I live that concept.
I pay more than double on my Michigan house than I do my non homesteaded Florida house.
@@blacklightfreakout825 ROFLMAO!! Yeah, no crime in Florida. There is no such thing as "Florida man", right? Floridians are hypocrites. They all want smaller government, but when the hurricanes strike, who do they cry to, and beg for hand outs and financial help? The federal government. Bunch of f'ing hypocrites.
Sounds pretty much like Washington State. We didn't get Disney, we got Microsoft. Things haven't been the same since and our housing and insurance costs are skyrocketing. Property taxes in my Skagit County (farmland) area doubled.
Our homeowners insurance went up 96% this year; and our auto insurance jumped over 50%. We’ve never filed a claim in 22 years here, and have ALWAYS carried Federal flood insurance. We are seriously thinking about pulling out because the politics is getting as crazy as the insurance rates!
Thanks for sharing your story about what it's like to live in Florida. Florida has changed. Thanks for watching.
I live in SE NC a little town called Nakina 30 minutes from Myrtle Beach. I'm 70 so I pay 385 a year liability for 2 cars. SC has no fault insurance and high property tax. My property tax is 495 a year most of which goes for waste management. I'm close to the beaches and groceries are tax free in SC a short trip and I still get to live in NC.
A snow shovel is the next option.
@@sammythompson3694 I pay $6k/yr for 3 cars w/ full coverage. I didn't know men my size can get raped so easily.
true talk. it's SCARY how they can do that. one of the reasons i moved from my home state. also, fk desantis that stuff is crazy. gone are the times of just having different political inclinations. all this is a circus. my current governor sucks but at least isn't doing all that super crazy stuff.
florida has had that insurance stuff going on a while now. arbitrary rate hikes. it ruins people. it should be illegal. and the hurricanes will continue to get worse and more dangerous, more property damage.
good luck with your decision.
I lived in Florida years and years ago, things were different. I know someone with a home there and their insurance they had for years, dropped them...dropped Florida. They had to find new insurance and of course at a much higher cost. They live in an HOA community. They can only have two cars in the driveway, and they cannot be close to the grass on their own lawn nor close to the sidewalk. They cannot have leaves on their roof. But they can do repairs 24/7 anytime of the day. So, five am work crew arriving is ok. To me, Florida is just too crowded all the time for my liking. I used to think it was crazy busy when I lived there over thirty years ago, but now, it's unbelievable. I did one time think of the over 55 community where you can buy a nice mobile home and pay land rent but the stipulations there are not for me. Florida is good for me to fly to in winter and that's it.
Thank you for this very important information. Wow, this is a must watch folks!
When my mother had a home in Florida. I was shocked when her windstorm Insurance, went up to $2,500 a year, with a deductible of more than $20,000. I was amazed that many Floridians thought hurricane insurance cover both wind as well as flood damage.
I have a few friends in Florida, several have their houses paid for, and they still cannot afford home owners insurance. What saves them, they are well inland.
Thanks for sharing your story so others know what's really happening in Florida
Thanks for watching and letting others know.
"I was amazed that many Floridians thought hurricane insurance cover both wind as well as flood damage."...that would only apply to new Floridians that failed to do basic homework...it's a well known fact that hurricane and flood insurance are completely seperate...understanding the basics of your insurance coverage is entirely on you as a homeowner not just in FL but anywhere else in the country...
you are suprised insurance is a scam?
I have been living in FLA since 1980 after college. Miami first (Andrew) The day after the hurricane 20 small insurance companies closed perminately. It has only gotten worse. Listen to this dude. Cause everything he's saying is spot-on. 27 years ago I moved to Venice (Charlie) and (Ian) The insurance on my 800 sq ft house was more than Miami. After every hurricane (bad or not) there is a steep insurance increase and taxes go up with Ian they're now out of control. I retired a year ago. I'm moving to Maine.
Thank you for watching and sharing your story so others know what is really going on in Florida.
Lol, enjoy freezing your ass off, and all those huge masiqitos...
@@JerryPinkas ❤ I'm from Vancouver Canada and we do not have anything near or risky like that at this time . However back in the 80s & 90s suddenly all newer condos were starting to leak due to the new California type design which obviously did not work in a rainforest ! There was mold, wood rot, leaks, on going repairs which could even take a year of the buildings wrapped in tarp .Many people lost their life savings , marriages (over stress) & a few even committed suicide. Now Vancouver is so expensive that to rent a 1 bedroom is like $2700 & to buy is about $2m for an average 40 yr old house. It seems life is only for the rich. Thanks for your show..I had no idea ! 🥺🇨🇦🙏
Welcome to Maine 😅 Bring a coat though
I live in New Hampshire, this winter we had a bad nor’easter roll through and my car was literally half buried in snow and I was trapped for a few days. The weather is definitely more mild but there is a price during winter months. I personally cannot handle being stuck indoors 5 months out of the year and I’m moving south
Thank you so much for this video. It was so helpful for all the insight.
Thank you for this information🙏MB
As a Native Floridian who grew up in South Florida, survived at least 5 bad Hurricanes and moved when I was 23, my advice is that if you are thinking of buying there, rent at least a month, preferably in late July-August. I've seen too many people have a great vacation trip in the winter and pick up an move, but everyday life is a whole lot different than a vacation. It's not all Beaches and Dreams. Way too many have found that out the hard way too late after buying overpriced housing and know that most Condos' Assessments are pure poison. If you must do Florida spend a few weeks vacation in the Winter, that's still fun.
Thanks for watching and commenting
i second this. go in the middle of the worst heat, or you just won't understand.
HOAs *and* condo assessments, i would add.
and yeah my mom's condo is currently doing some bs where they should be using roof tiles made of GOLD with how much they are charging each resident and considering the size of the actual roof. it's insane. $13K a person?? (or was it $23? my brain failed when i heard the number). this thing is 2 floors, about 8-10 units.
HOAs arbitrarily can raise rates too, come blustering in with a ton of rules, harass and fine you, but when you need something from them? crickets. god forbid you have a shared roof with a leak. that sh*t was a fkking nightmare. they were responsible for roofing but told us to work it out with our neighbor??? who was also an impossible d-bag. how are we supposed to hire a roofer to fix something that the HOA is supposedly the owner of AND pay for it when our HOA fee is supposedly covering things like that??
anyway, no HOAs for me, thanks. as a rule.
@@miked8227 I live in Florida and the prices are horrible. Nowadays though every place is high.
The same with other states. We moved to TN and the rain is such a hassle all winter. It's gray and gloomy all winter. I love the rain but here is just ridiculously wet all the time.
Come to Connecticut. We need taxpayers. Lovely little State.
Left FL in 1974 and never looked back. Built our home just outside Nashville in 1984 on 5 acres for $65,000.00 today it is valued at $700,000.00 and our taxes are frozen at $1,200.00 a year.
I lived in a tiny box in Northern England. I sold it in 2008 when I could get 2.14 $USD for 1 GBP £ British pound. I doubled my money on the exchange rate when it changed and bought a bugger-off 5 bed 3 garage Mansion in Wisconsin with a 2 acre yard, for peanuts..... (Property tax
That's the kind of increase that will keep people from owning homes. The wages haven't budged to allow anyone to spend that kind of money on a house but a very slim minority. Basic math and watching stats shows this will lead to some kind of impending doom/collapse. It's impossible to sustain this investment growth on something as important as houses. Another decade or two and no one making under $100k/yr will be able to buy a home, billions will be renting from the few.
Still 10 times better thank living in Chicago, LA, San Francisco, New York, st Louis Detroit, Baltimore, etc etc etc etc.
@@MP-ex3io I see you have selected 'black' /gay/latino cities for your opprobrium... Are you a trumpist ?
It can only be frozen for two tears.
Live in Florida for 35 years
I don’t have flood insurance, not in a flood zone
Flood zone X doesn't require flood insurance; Is this correct.
You probably claim residential exemption to get 50,000 off home valuation for lower property taxes?
🌞
Bought a house and immediately homesteaded then the county reappraised my house at 100% of what I paid causing a 32% increase in tax. Come to find out the homesteading application triggered a immediate revaluation to anybody that got tricked into it to save money. My car insurance went up 22% even though I have no ticket nor accidents. My home owners went up 30% again no claims. Water here is expensive the cost is $125 to keep lawn watered and showers. The power goes out frequently and caused me to buy a expensive generator. All told moving from NY to here cost 18% more so much for savings. So beware!!!! when you see $3000 property taxes it is a trick it will go up to full market value. Try to sell the house and people will look at the taxes and buy a house that has been homesteaded thinking that they will save.
I used to think I would retire in Florida from Connecticut........ but those days are over. I have over 10 acres here in Connecticut and from what I can tell Florida has become one giant HOA where the houses are all on top of each other. Freedom my Butt. I can do whatever I want on my own land here and as much as I dislike the politics and winters in Connecticut, You just cant put a price on freedom.
You rent the land from the county. Keep paying property taxes.
@@jeff4invest As a renter you pay double: first the rent to your landlord for the privilege of you owning nothing, then the property tax cost he passes on to you! Landlords make a profit renting to people like you, plus they gain the appreciation of the property, and write off the expenses.
Perhaps North Carolina is an option for you
Lol I live in CT too-- Kinda funny that when you look around, it sucks, but not all that bad!!
Do what the smart people do and just go to Florida for the winter 3 or 4 months. Problem solved. Bingo you just w o n. I lived in Florida many years ago and after one year I couldn't take it anymore. I thought I was going to retire there the rest of my life but as a 20-something year old I realize this was not the place for me. Too hot too much humidity too many a holes and that Florida sun will age your skin in just one year by 15 years. My skin was pretty resilient in my early twenties and in just one year that South Florida Sun age my skin by least 15-20 years. I looked like my grandmother's old leather handbag with a whole bunch of wrinkles. Then you have all the poisonous spiders and snakes and alligators and crocodiles in most of the freshwater rivers or lakes. And the sand fleas because most of the soil is Sandy.
...that and he never even mention the horrendous crowds, traffic, rude drivers, crime...should I mention traffic again? I grew up in Fl. and just so sad what greed did to paradise.
That's what happens when you get a high shift of overpopulation being allowed to come into the state. Overpopulation is REAL. Every time some stupid woman plops a miniature (A baby that is) the cost of living goes up sky high. Pregnancy REALLY NEEDS TO BE DISCOURAGED. Florida used to be nice, quiet, and liveable, now it's all migrants, foreigners and the like, over populating everywhere. It's NOT a GOOD THING ANYMORE.
Not to mention what we did to the Everglades… and on a slightly unrelated note, now we’re drilling Alaska for oil! The American dream everyone! Fuck the government, I hope they see what they’ve done in a few years and feel the weight of their shame. With our current government, eventually no state parks or natural wonders will be safe from being bought out and sold to the highest bidder. For the sake of this land, I hope I’m wrong.
They have slowly closed the beaches to the public... even in north Florida. They rich people are placing locked gate at all beach access points. Very little parking spaces, Miles of Condos block the view of the Beaches. Southwest Florida constantly has red tide and algae events due to overpopulation, and waste run off.
@@macmen007 Going to the beach is like taking your life in your hands. If the red tide doesn't get you, the flesh-eating Vibrio vulnificus will. There's always dead fish on the beach. I didn't even touch on the trash that litters the beach.
To be fair there was traffic no worse than any other major city, even better if anything. The reason it’s gotten bad is because everyone from up north migrated here so actual Florida residents ended up feeling the brunt of it. As far as crime that’s also everywhere I dare say it’s not as bad here either, try living in NYC, the Bay Area, LA, ATL, Chicago or Philly and see how it is up there. Look what’s happening to Portland. The grass may be a little greener in certain places but not necessarily that much better either. If you’re comparing major cities to “better places” but they’re smaller ones than it you’re pretty much comparing apples to oranges.
Thank you so much for this info.
This is the most useful video about moving to a state I've watched so far. Thank you so much!
I haven’t seen anyone mention this so I’ll start…. _I’m a born Floridian._
If u decide to move to FL (anywhere here & u think u can handle taxes & insurance) be sure to research the HECK out the property & geographic area u are considering. Bc *I’m continuously seeing new developments going up over old lakes/ponds/some sort of body of water.*
*_Im almost certain that is the reason why some end up w/ worse flooding during hurricane and tropical storm season, landscaping issues, and severely cracking house, or houses over sinkholes, or sinkholes in houses, or near._*
_Just research your considered area heavily._
Thanks for watching and commenting
YES!! Building today on flood plains from 3 years ago! And sinkholes (separate insurance policy!) The home I purchased 20 years ago for $75k is now selling for $200k for a small 2/2 from the 70's. Insurances are half my "mortgage" payments. Roof scams increased the prices so high!l And you hope you get insurance coverage - year over year.
Florida has zero state taxes but we make up for it in sales tax, insurances and property taxes. (My county doesn't even cover road paving with property taxes - homeowner's get charged via a lien on your home.
Florida - great place to visit - not so much for living anymore.
All this is happening because we have too many people moving here!😢
Just build a stainless steel box on ten foot high pilings you'll be fine 😂
I agree those mangroves did perform a service. Yet people consider themselves nature lovers. Bugs.? Trees? Heat? Native animals? Did they think these things would miraculously disappear? 😎
I thought about moving to Florida a decade ago, but the severe weather scared me off and I moved to an inland community near the border between North & South Carolina and acted as my own general contractor in developing my 6 acre plot and building a custom home. It was a great decision 🙂
Definitely NOT a place you move to for the weather
You’re just as screwed in SC. So much data supporting that SC will experience many effects due to climate change
Charlotte?
That’s a great idea. We thought about that when we moved but our kids (and now grand kids) are still NE so we figured have 2 places to stay. That way we aren’t a bother to anyone up here and can stay for months at a time and then when we go home (FL) we sometimes take the GK with us so they can go to the parks or beaches so whatever.
Thanks for watching and sharing your story
I am from Wilmington NC, I do like Summerville and Lexington SC, and who knows may even live in one of the two someday, but not because I do not like Florida, but it would be closer to family. I live in the Florida, Panhandle in Navarre, came here by way of the Air Force in 2000 and it is an awesome place to live. Certainly, a lot more expensive than when I got here, but for me, my house has increased in value 300% since 2000. If it were not for the higher inflation, the increased cost of living would seem normal for a formerly "Best Kept Secret" One thing I have learned from living and traveling across the country and the world is no place that most people would consider is without pros and cons. We just choose what we rather put up with. It certainly cost a lot more to live in coastal Florida or large metro areas, but there are plenty of other areas where it does not. Hurricanes are a part of Florida but being from the Atlantic coast in the south, I was aware of this and would rather deal with Hurricanes than the higher EF tornadoes, mudslides, blizzards, ice storms, wildfires, Nor'easters, earthquakes, droughts and water rationing, etc. Each person has to choose what they are willing to put up with and the cost associated with it. Insurance companies are the same across the country, they are not kinder in other states, Florida disasters just exposed the true nature of the companies, and now the state of Florida as well as other states will have to figure the insurance problem out. Since we were last hit in 2004 with Hurricane Ivan, I have noticed that a lot more storms turn up the Atlantic Coast. Nowhere is exempt, we only need look at a recent reminder of this by a rare tropical storm in southern California and a wildfire in Hawaii. Are some places in Florida costly? Yes. Still, wisdom says let not fear, frustration and anxiety decide where I should live. Maybe I will move to SC one day, but I will not expect that it can't become costly too.
Another good video, thanks Jerry.
Glad you enjoyed it. Thanks for thank you for taking the time to comment
He is right on the mark. My parents retired to Florida and over the years their insurance payments increased every year and now it’s higher than their mortgage payments.
Thanks for sharing your story about what it's like to own a home in Florida. Thanks for watching.
Florida has become a cesspool
@@kathywilson1146probably because they’ve had a Republican dominated government for 20+ years.
It is called retirement for a reason. Mortgage, no thx. Pay it off or work
@@droopy1225 Clueless, can't even address the issue.
My mom moved from NYC to Florida almost 20 years ago. Like others, as a retiree she was looking for a better lifestyle at a lower cost. While she won't admit it, I think she is questioning her decision now. Its becoming more and more expensive for her to live there. Even as a condo owner in south Florida, her expenses are becoming a lot more than she expected. The state is just not the reprieve it used to be.
100% truth! Thanks for sharing your story and the truth about what is really happening in Florida!
You pretty much just told my story! I left there 7 weeks ago😢
Certainly not while 300,000 plus ppl are pouring in here a year....at least she can make bank when she decides to sell and move somewhere cheaper 😊
A huge number of people moved from NYC / Long Island DECADES ago to FL. Then they moved back. They weren't comfortable with the lack of things they missed. Religion, family, and culture were missing.
I thought Miami Beach was a joke. What beach?
I retired to Arizona.
Just a side note; depending on the laws in the county, condo sellers are not always required to advise potential buyers of upcoming assessments. This is huge because many condo buildings are facing a reckoning after the building collapse on South Beach. You can literally buy a condo, take possession and be told a month later, "oh, by the way, we have to replace the elevator shafts and it's going to cost each unit $45k!" Not saying that doesn't happen other places but, as a retiree on fixed income, that can be devastating.
Great information that I would never have thought of. Thanks
My in-laws retired and bought a home in the Villages and were bankrupt in 7 years! The fee’s almost doubled every year to live there. Now they both live in a state nursing home. Florida will bleed you dry before you die.
Oh wow! Thanks for sharing your story so others know what’s really going on in Florida. Sorry to hear this, but it’s a fact that happens more regularly than not. Thanks for watching and commenting
Horribly sad story.
states have nursing homes? that's awesome.
THANKS FOR SHARING . . . CALIFORNIA IS PRETTY BAD TOO . . . IT'S GOING DOWNHILL FAST!
In a red state ? No way.
I left FL 14 years ago when Insurance rates spiralled out thru the roof. In my last year I was shuttled through 7 different insurance companies . The FL statutes had regionalized liability, recently they merged the liability to include all of the entire state. The laws then were amended to allow for merging of auto iability and Real Estate liability. Voila ....insane auto driver insurance rates.
To top that off, they have reassesed the property values to massively increase tax revenues. I am gone...I do not miss it.
100% truth! Thanks for sharing your story about what it's like to own a home in Florida. Thanks for watching.
@Robert Kieffer~ I would imagine that those increased property taxes are needed the way DiSantis spends money like water. Hiring charter planes to fly Texas migrants to the wealthy suburbs, just to “get” the Libs, all the time and expense deleting books from schools and libraries to make certain children aren’t exposed to “pornography” or sex education or CRT. Hiring “Teachers” that have no degree, no desire to get one, have never taught a class, and they are receiving salaries greater than the certified, education degree “Teachers”. Police officers from other states who may have questionable “jackets” get huge “hiring bonuses” and increased salaries. Maybe it’s just me, because this is some of the things that are floating right on top, but the whole thing is a fascist, totalitarian nightmare that will blow up at some point. Can’t imagine what mess that 25” of rain did. You got out and they couldn’t pay me enough to join that mess. I do hope the Mouse House has a trick or two up their sleeve. Gov seems to have some time free and he’s got a plan to make them pay. Should be fun 😂.
Build a better house
True I was born and raised in Florida. Left in 2020 and moved to Illinois. Auto insurance went from $180/month to $300/year. Houses in IL are way cheaper, local businesses have local support, and there's still a sense of community and culture here. All of that has been lost in Florida. I moved when I was 20. I bought my first house just two years after moving. My mortgage is only $300/month (includes property tax.) Insane. I couldn't even find a studio for less than 1k/month when I was in Florida - and it was rent, not even a mortgage! Now I'm 23 and am 8 months ahead on my mortgage, and it'll be paid off before I'm 30. Florida is setting young people up to be trapped in that state forever.
@@zane8789 Thanks for sharing your story about what it's like to live in Florida. Thanks for watching.
Very helpful information, thank you!
I left Florida nearly 30 years ago after living there 34 years. Our family moved to Florida in early 1962 from Kansas due to a job offer. Dad was a retired O8 USACE, while mom gave up her civil service career to be a 'stay at home' mom. Both college educated. Within 3 months of our arrival, our dad was dead and I was sent to the hospital after crossing paths with an older neighborhood boy (I was 5yo). 34 years later, I viewed the 'Welcome to Florida' sign in my rear view mirror on US1 - no regrets. I still recall the 'Welcome to Florida' sign on US231 at the Alabama border back in 1962. We were excited, knowing we already had a rental at the beach while mom and dad looked for a permanent home. Mixed memories.
Home values in southeast Florida jumped 100-200 percent in less than 2 years. The amount of flippers and investors hoarding homes has been breathtaking. I’ve seen homes traded 3 times in 1 year. And flippers sell to flippers. It’s like 2006 on steroids.
Florida home prices, Homeowners insurance, and car insurance have skyrocketed! Thanks for watching and commenting
Zillow itseld buys and sells based on the algorithms detection of demand. It's not a traditional buy and sell. But the non Zillow multiple trades are wild...it's a house not a stock in a business traded on an exchange.
@@lachlanbrown409 finally it’s calming down. I know of some airbnb owners who have had enough as well; it’s not the rosy game it was portrayed.
Same is happening in Central Florida. Fix it up rent it out to snow birds for a few months sell it to a friend and the cycle goes on.
Seeing flippers listing properties in south Florida for over 300 percent now. Homes sold in spring 2022 for $500k listing as high as $2MM now.
Everything you said is 💯 accurate. I would like to add that they do not make houses like they use to. My house was built in 1969 with plastered walls….which helped me a lot after Ian. Only had to remove the baseboards (had 5 inches of water)….no mold on my walls whatsoever. The previous owner had every single tile on the roof glued down…only 7 were cracked and had to be replaced because something flew on them. I think if homes were made better like they use to it would help a lot….elevated higher of course.
You are absolutely correct! Greedy developers, bribing corrupt politicians, want houses built and sold as quickly as possible. Cutting corners wherever possible. What they have built are houses of cards that can be easily huffed and puffed and blown down by the Big Bad Hurricane. Remember the houses in Homestead that were completely destroyed by Hurricane Andrew in August 1992?
F Trump didn't help a damn thing.
Shit builders and corrupt inspections
@@gussfish8670dumb media minds
Thanks for the thoughts, Jerry. We've lived in Florida for a decade and we love it.
Lived in central Fla since 1968. My entire life growing up, here in the interior, we barely thought of hurricanes. Until 2004, when we got 3 in a row. And at least another 5 since then. Something has changed.
This is true. We lived with a sink hole for 2 years, denied by our insurance. Had to hire a lawyer. They fixed the hole after 6 months, then we were dropped and the best part? They did NOTHING to fix the rest of the damages done. I hate this state.
Thanks for sharing your story about what it's like to own a home in Florida. Thanks for watching.
WHat part of FL ?
@vision1707 - Does it matter?
From the Florida Dept of Environmental Protection:
"Is there a safe area of Florida in which to live with no chance of sinkholes? back to top
Technically, no. Since the entire state is underlain by carbonate rocks, sinkholes could theoretically form anywhere."
@@vision1707 Thanks for watching
@@lynneanderson4255 thanks for watching and commenting
My uncle almost moved from L.A. to Orlando a couple years ago. The deal on the property didn't pencil out so he didn't sign on the dotted line. Now he knows how lucky he is. He's since heard nothing but nightmares from friends and family who moved there. The cost of insurance alone is enough to eat up retirement and erase any lower tax benefits.
Sound like he ended up winning! Thanks for watching! Did you see the other video I did about that? Alternative Places BEFORE Buying, Relocating or Retiring to FL - ua-cam.com/video/VRTjNfGeybY/v-deo.html
@@JerryPinkas No but I'll check it out right now. My uncle wound up buying a place outside of Tucson which he's renting out. But he's still living in Los Angeles. I have another friend who owns a property in Buckeye outside of Phoenix which he rents out. It seems a lot of people want to rent out property in Arizona but not actually live there. The heat is tremendous. My late grandmother lived in the Florida Keys, I think on Marathon, if I recall. She lived in a geodesic bucky ball which was one of the best things to ride out the hurricanes. They'd hide in the basement after covering all the windows.
@@angusorvid8840OH HELLO lol I thought we in Az had MELTED AWAY!!! Yes, California has moved here or bought here. We also have Canadian snowbirds who buy, rent out their place part time, but you have to know the AC industry here makes BANK! 🤔🙏🏻❤️
Thank God! Keep those damned Californians out of Florida! People are moving out of California for their heavy liberal policies making everyone unaffordable, but they bring their liberal views where they move. They chose California, and they should stay there.
Floridiots HATE blue 🔵 state Californians! They will not like the humidity and flatland.
thank you so much very informative video
So glad you enjoyed this video and I truly appreciate you watching. I’ll see you in the next one.
Used to live in upstate NY. My doctor and I were buying at the same time in 2021, him in Florida and me in Maryland. I got a cheap house in good shape and I'm happy. I wonder how happy he is right now? Couldn't pay me to live there!
That would be an interesting, long-term Case study! Thank you so much for taking the time to watch and to comment here on this channel. Truly appreciate you doing so and I’ll see you in the next video.
Upstate NY winter and Maryland "Winter" is not the same. Most likely for you, you probably go "What's the big deal?" most of the time. Possibly the biggest difference is a higher chance of an ice storm. I'd rather have a foot of snow.
@@dlewis9760 Lived in upstate 21 years, Maryland or Virginia 33 years. I know. :)
When Hurricane Andrew hit Florida, I was working as a property adjuster for a major insurance company in the Pacific NW. I was assigned to the Homestead area. I had worked in other states (Texas, South Carolina, Oklahoma), but Florida was jokingly called a "combat zone". It was like living and working in a third-world country where everyone is trying to hustle and scam you; and rob you. Even the company's local insurance agents were corrupt. I knew back in 1992 that "affordable" insurance was never going to be affordable again in Florida.
my neighbors lived through that, and moved up from miami. lost everything. said they'd NEVER ride out a storm again. thought they were going to die. actually saw roof lifting up at one of the edges and literally saw outside. wind, darkness, things flying past. it was the flooding that ruined everything, like every piece of clothing and almost all they owned.
@@lurklingX went through Hurricane Ivan in 2004 Cayman Islands, ocean took our concrete walls and standing steam roof away, all we had left was the tiles , not sure why the sea spat us out but thankfully we survived ,
Don't you know the state mantra of Florida?
I heard people living in Jupiter Farms say it.
"If you trust me, you deserve to be cheated."
@@daviddurango9562 I live in SFLA. That is so sad to hear. But unfort the mentale of many. I’m just trying to live my best life and it doesn’t have to be at the expense of another…civility costs nothing!
The State put so much pressure on the adjusters after Andrew to just get it done, the fraud was rampant. It was sad what went on and definitely changed the way things were.
I bought a Fort Myers home in 2019 and sold 3 years later, thankfully before Ian. My insurance went from $2500 to $4200 per year, not including a flood policy even though I wasn’t in a flood zone. I had a brand new roof. I didn’t submit any claims in that time, or ever actually, as a homeowner. I was always so worried that if I needed to submit a claim I’d have to fight for it. I happily moved back north. I’ll snow bird and rent/camp rather than own anything there.
My God, The tiny cottage I rent is about $5600 a year rent. Your insurance was almost as much as my entire rent for a year. That's insane.
You should be more concerned about those goddamn gators 🐊! They're eating people! 😮 😶
Our family was ran out of Fort Myers by gangs...not the place it once was.
@@bobsmithers where in FM and when? I lived off McGregor near Whiskey Creek and it was lovely and quiet. They revitalized downtown and it was great when I lived there although the other side towards Alva was still sketchy as was Lehigh Acres.
@@artspark7697 right?! My home in PA was bigger and I paid $900/year. You have to pay to live in hurricane alley.
Thank you sir very informative 👍bless your knowledge 🙏
Excellent video. Thank you Jerry. My brother lives in Florida and he warned me about this scary situation with the escalating costs. He can afford it because he's a millionaire, and that's basically the only people who can afford to live in Florida these days - millionaires.
I'm a millionaire too and I live in texas
Thanks for watching and commenting. Glad you enjoyed this helpful video
Thanks for watching and sharing your story
@@juancardenas3537 Texas is going up crazy too from Cali invaders
@@juancardenas3537 but do you need a girlfriend? 😂
I'm an insurance agent, auto and homeowners, just north of St Pete. I'm licensed in all 50 states and Florida car insurance is also insanely expensive. Basically the further south you go the more expensive it is. The interior of Florida is Basically straight out of Deliverance and there's lots of crime (vandalism, stolen vehicles, insurance fraud) so the insurance is expensive there as well. Bottom line...unless you're mega rich don't move to FL
Thanks for sharing your story and the truth about what is really happening in Florida!
I’m from central Florida and you’ll might want to fact check this. Areas such as Polk county and hardee county are very safe than the coast.
@One at a Time I've got a friend in Lakeland in polk County and I used to work in temple terrace near usf on fletcher. To get from temple terrace (which is tampa) you have to go through plant city who's crime rate is 79% higher than the rest of Florida cities of all sizes. So yes there are some decent areas, but that's certainly an exception
I lived in Florida for 3 years. I had a 15 year old car that I drove less than 50 miles a week. Insurance alone for my car was $150 per month with no collision. We decided to move back to my home state of Vermont, which is NOT an inexpensive place to live, and my car insurance dropped to $32 per month. Friends in Florida got hit with HUGE increases in rent this year (in one case $800 per month) and housing costs are through the roof.
@@CoachatCole Thanks for watching
Thanks you for your report thanks for sharing
I live in Florida and I'm not required to have flood insurance. I had it for 6 years, just in case, then dropped it.
Nothing excuses a buyer from doing their due diligence when buying a home
The tools are out there. FEMA has a website that details flood risk for the entire country
If buying a condominium, examine the documents and ask for the minutes of the prior board meetings so you can see if they are discussing a “ special assessment “ that will raise your cost considerably
This is one of the best videos I have seen about discussing the reality of living in Florida
Your welcome. Glad you enjoyed this helpful video.
@@JerryPinkas Truly great video!
You are assuming people know that. Also assuming they will understand the information they find IF they find it. How does one know what to look into if they don’t know it exists. You don’t know what you don’t know. I consider myself reasonably capable of researching and understanding moderately difficult subjects. However, I didn’t know anything when I bought my house in Florida. You mention FEMA… that’s a great resource. How many early 20’s first time home buyers know what FEMA is? I’d bet some have never heard of it. Its simple and common sense to some and at the same time, very complex and overwhelming to others.
If you don’t know what FEMA is, perhaps you shouldn’t own a home.
@@christopherpotter7204 these things aren’t in some handbook of life given to everyone upon reaching the age of 18. If someone has never encountered a reason to know what FEMA is… they might not know. And your point is ridiculous… so PSA from Christopher Potter everyone… if you don’t know what FEMA is, don’t buy a house…. But if you don’t know what FEMA is then you freaking don’t know it exist before buying a house… don’t be a jerk.
I was born and raised in Florida. If your house is on the gulf or beach then your flood insurance is going to be over 1k a month….if you live 20 minutes from the beach, you can get flood insurance dirt cheap. The only expensive thing about Florida living is that you need a new air conditioner after about 7 years. The AC will always break in July or August and you will literally pay anything to anyone if they can fix your air same day. AC repair men deserve more credit…they legit save lives! When Floridians lose their AC, we are at risk for going postal.
Thanks for sharing your story about what its is really like to live in Florida!
Your right about everything. I have lived here my whole life.
Day before christmas I was putting in a new AC, damn the cost.
Amen to that
Born (1982) and raised in St. Augustine FL. You ain't lying!!!!!!
Live in small town in Michigan, house insurance $580 and taxes #1200 on a three bedroom with garage. If you don't like winter buy a travel trailer and head for sunshine for three months.
Probably pay a fortune for heat, long underwear, chiropractor bills from shoveling snow and tripple insulated Carheart gear... no?
New Jersey, put my roof on 37 years ago, still going strong.
Oh wow! Sounds like you are winning! Thanks for sharing
You are pushing it. Good if it's still good, but that's a long time. Unless it a metal one. One thing about metal and their 50 year warranties. It doesn't cover the finish. So, it can look like poo and be rusted and there's nothing wrong with it.
I've lived here in West Central Florida for 70 years and I've never seen anything like this. The hurricanes are getting stronger and more frequent which causes more damage. The price of Home Owners Insurance has skyrocketed. I've had 5 different insurances for my home since 1996 when it was built. The price of homes are outrageous, what would have sold 5 years ago for $100k is now going for $400K and these aren't even new homes. The traffic is terrible and the road system in Florida is at least 20 years behind schedule. These are just a few of the major complaints. Think twice before moving to Florida!
Sighh. What a darn shame. Thanks for sharing
Hurricanes are not getting stronger or more frequent. The data is clear on this. The reason for more damage costs from storms is due to more development along beaches. More properties = more property damage.
2nd, the price tag given must take into acct the above (population/ property growth) + inflation ($1 million 10yrs ago is very different than $1 million today)
Stop all your lies.
My family has lived in Florida since the 1800’s and my grandmother was born in the panhandle in 1927 and she made it very clear that hurricanes come and go yearly and only whining idiots move here then cry about the weather.
@@cleartechcleartech5090 Stop deflecting. Just because he is saying things you don’t like hearing doesn’t mean that they are not true.
Being a Florida resident for the last 27 years, I can tell you that every 7 years, these - at first - greedy insurance companies all move in, and then run like the chicken schmitts that they are, after a big hurricane. It’s cyclical.
Thanks for sharing what you are observing that is a repeating cycle in Florida. And thank you for watching.
😂😂😂
Most of Florida is becoming uninhabitable. You want to live there that’s on you.
As I have been saying for years: Insurance is a SCAM industry! They are NOT your good neighbors and you are NOT in good hands with them!
your not a resident if you where not born here!
Thanks for your time Jerry!
Great video! 🎉
So glad you enjoyed this helpful video. I truly appreciate you taking the time to watch it and I’m at here on this channel and I’ll see you in the next one.
I have lived in Florida since 1977. I would say the last 4-5 years with the influx of people moving here in droves has brought with it it's own issues. People with cash in hand were able to out bid Floridians on homes, overpaying by 200+% in some cases. Apartments and rental increased 300+ %, making most places out of reach to locals. Infrastructure was not prepared for the influx. Traffic has increased, road rage and accidents are out of control. Yes indeed taxes and insurance (home and auto) premiums have increased substantially over the last 4-5 years. See a pattern. The Florida everyone envisioned is gone, never to return. Buyers remorse has to be a horrible feeling, and we too wish you would have stayed where you were. You're warnings will go unheeded unfortunately, but you are doing a public service. There are two sides to every coin.
Glad you enjoyed this helpful video. Thanks for sharing your story. Florida has changed. Thanks for watching and commenting.
Most accurate comment yet.
He’s a NC realtor. Maybe he can sell you a house.
Very well said!! I still wouldn’t want to live anywhere else.
And they love their POS governor 😂😂😂😂😂
One lesson we learned in California is that most insurance levels are based on standard home reconstruction costs. But when several thousand homes are destroyed at once, the cost of materials and labor skyrockets. People quickly find they were under insured.
Thanks for watching and sharing your story. Thanks for watching! Did you see the other video I did about that? THE TRUTH! 700k Why Are People Leaving California? - ua-cam.com/video/ekHJwv3afqs/v-deo.html You may find it interesting!
I always made sure to get (contents, replacement cost) and (rebuild, repair to current Codes and replacement costs) took a decent deductible so the policy was more affordable. Earthquake insurance was the same deal, even though it’s a separate policy.
You 100% right super high inflation due to this administration has increased the cost big time. When inflation goes down do you.think we will see a decrease in premiums lol.
@@Fricc-sg4np Nice try, but administration has nothing to do with it. Get a life.
@@mickaleneduczech8373 lol
Wow! Thank you
You're welcome! Thank you so much for taking the time to watch and comment here on this channel. See you in the next video.
I don’t mind this video at all as I’m building my case for my family and I to move out of NW Florida to Alabama. This is very good ammunition, thanks! We are very close to the border so a move won’t be too difficult 😊
I was planning to move to a Florida beach community now that I'm retired but It just sounds too messy. Flood insurance costs, 60% of housing controlled by tyrannical HOAs, exponential fee increases for condo owners and now insurance companies cancelling policies for those with solar panels. Panama is looking better every day.
Thanks for watching. Did you see the video I did about that?
Alternative Places BEFORE Buying, Relocating or Retiring to FLORIDA - ua-cam.com/video/VRTjNfGeybY/v-deo.html
Flori-duh
@@phrogme2450 Thanks for watching.
Why do so many southern Red states have tyrannical HOAs? I would've thought it be the opposite?
Mmm, pay off solar panels $30K and bought house with no HOA neighborhood. Property tax is same as NY so I’m fine with it. FL better than NY anyway. We be pay off house next year and if you own house you don’t need to have insurance, it’s choice
Being a Flori-duh native , I've watched as my home state has gone straight downhill at top speed. Low paying jobs, illegal labor, horrible urban sprawl, pathetic public transportation, over crowded and underfunded schools that were supposed to be funded by the Flori-duh lottery 🤣😂🤣. So many more things that I don't have time to list and of course all the things you pointed out in your video make me getting ready to leave again. This time permanently. The sun isn't as bright in the sunshine state anymore😢😢
Sounds like a mini-version of California
Duh.
Welcome to California. I'm a native that loves when the grass is greener people bail out, the hoards have ruined many of our wild places and do nothing but drive up prices and bring in party animal people with their AirB&B guests (a great way to destroy a quiet and peaceful neighborhood and gobble up the rentals for local people) frankly I'm sick of it all.
Thanks for watching. Did you see the video I did about that?
Alternative Places BEFORE Buying, Relocating or Retiring to FLORIDA - ua-cam.com/video/VRTjNfGeybY/v-deo.html
Thanks for watching. Did you see the other video I did about that? THE TRUTH! 700k Why Are People Leaving California? - ua-cam.com/video/ekHJwv3afqs/v-deo.html
Excellent video! 🙏
Great review
I'm a few years away from retirement in the Midwest. In the past I had considered a move to FL for my retirement. Now, high home prices, high property taxes, 4x insurance premiums, forced flood coverage, high HOA fees, insurance co not paying, etc. I think I'll take my cold and snow and keep my paid off house in the Midwest. FL is now the last place I would consider to move to.
Thanks for watching! Did you see the other video I did about that? INSIDE 3 NEW AFFORDABLE HOUSE TOUR IN SOUTH CAROLINA UNDER $300,000 - ua-cam.com/video/e8dqwJ-tKY4/v-deo.html
Thanks for watching! Did you see the other video I did about that? Alternative Places BEFORE Buying, Relocating or Retiring in FLORIDA - ua-cam.com/video/VRTjNfGeybY/v-deo.html You may find it interesting.
Not ALL HOA fees are high. However, property cost, insurance rates and unpredictable weather make it a challenge. I moved to S Florida from the UK forty years ago and things have really changed. Prior to Andrew, most people never even discussed hurricanes they way they do now.
@@jeremypearson6852 thanks for watching
As a 4th gen Floridian, dont retire to a place you havent lived. Dont be like everyone else. And you got a paid off house?? I'd call you the king of the neighborhood