Thursday, August 16, 2007
It's ALL for the Best!
DAILY MOTIVATOR 8/16/2007 WaterwayRealty.com
It's All for the Best
In a sense, it is useless to make judgments about things that have already happened. You can put your judgment to better use by applying it to the things over which you have control. And all those things are in the present, not in the past.
So whatever has happened before right now, consider it to be for the best. There's nothing you can do about it anyway. When you truly think of everything that has already happened as being for the best, something almost magical takes place -- you actually start making the best of what has happened.
Indeed, "it's all for the best" is a self-fulfilling appraisal. Certainly there are tragedies, major and minor. Yes, there are many disappointments, too. Are these really for the best? They might as well be. They've happened; they're a done deal. Your best strategy is to emerge with something positive and useful.
Make the best of what has already happened, and you'll get the best of what is to be.
POSITIVE QUOTE OF THE DAY
Conscience is the root of all true courage; if a man would be brave let him obey his conscience. ~ James Freeman Clarke
Mott Marvin Kornicki, Broker ● Waterway Realty, LLC ● 305.935.3533 ● Realtors ®
Sunny Isles Beach, Florida
Featured Property Easy Property Search Company Listings
Office Profile Contact Us
Mott Marvin Kornicki, Realtor®
www.WaterwayRealty.com
Rachel Collins ● Virtual Assistant ● Waterway Realty, Ltd. Co. ● 305.767-2121
Sunday, August 12, 2007
Sunny Isles Beach Real Estate Update August 2007
Home Groan
It's the tops in Florida. And the banks are eating it up.
By Frank Houston
Published: August 2, 2007
Mortgage Foreclosures, Sunny Isles Beach Crossing the Lehman Causeway into Sunny Isles Beach, you might wonder if you've been sucked into an interstate wormhole in the space-time continuum and landed in downtown Miami. Construction cranes perch atop a skyline that, though dominated by high-rises, still strains upward. The whine and hum of heavy machinery and manpower fills the salty air. On a recent weekday morning, men in hard hats are about the only pedestrians visible on the sidewalks of Collins Avenue.
A few blocks south of the bridge, Lucy Collins closes the windows in her 2/2 condominium apartment, despite the sea breeze. "I think I'll put on the air," she says apologetically. She shuts the screen door on her south-facing balcony, which has views of the Intracoastal and Oleta State Park. To the east she can glimpse the Atlantic Ocean, but it is fast disappearing behind The Donald's latest: Trump Towers, at 15901 Collins Ave., his third high-rise project in the area. A sign in front of the rising building reads, "Sunny Isles Beach Redefined."
"I had the whole ocean view before they started putting Trump up," says Collins. Worse, says the 60-year-old redhead, "foreclosure could be on the horizon." She purchased her apartment, number 408 at the low-slung Kings Point Imperial, in late 2005 when the market was hot. "You can't go wrong buying this property," she remembers being told. Thanks to an adjustable rate mortgage, she now pays almost twice what she used to spend on rent for a similar apartment — more than $2000 a month, and the bill is rising.
"I've already borrowed $12,000 on my credit cards just to keep going," Collins says. She is even considering cashing in her IRA, as well as looking for a job at Home Depot. "Instead of working less as I get older, I'm having to work more. I want out.... You see what's happening in Sunny Isles.... I'm thinking I would just leave the state."
This is the epicenter of Florida's mortgage foreclosure crisis. A June Money Magazine survey listed 33160 — which includes all of Sunny Isles and Golden Beach, and small parts of Aventura and North Miami Beach — as the area with the most foreclosures in Florida, second only to Atlanta in the southeastern United States. The North Miami-Dade zip code even broke into the national top 20, with 480 foreclosures filed in the first half of this year.
Other local zip codes making the nation's top 500 include parts of Brickell, a patch of unincorporated area south of Metrozoo, South Beach, and Homestead. Florida has 72 zip codes on the list; most are in South Florida. In June the region had 2175 foreclosure filings. That was up 167 percent from the same month last year. On a July 18 Fox News broadcast, real estate analyst Gary Kaltbaum referred to the Miami real estate market as "psychotic."
Sunny Isles Beach was once anything but. It was founded in 1920 by Harvey B. Graves, a furniture dealer from Rochester, New York. The interior of the shiny new city hall is lined with nostalgic photos of the town's Sixties-era Motel Row — places like the Marco Polo, the Aztec, the Waikiki, the Dunes, the Driftwood, the Sahara, and a dozen others, all of them long gone, replaced by the towers.
Harvey W. Graves, the 80-year-old grandson of the Sunny Isles Beach founder, hasn't visited since the Fifties. He remembers the town as being "very much in the boonies at that time. The thing I remember is scorpions and tarantulas," he says on the phone from his home in Chevy Chase, Maryland.
Susan Lipp, a great-granddaughter of Harvey B. Graves, visited for the first time last November. "I remember my mom saying my great-grandfather had bought a lot of property in Florida, and I just didn't understand how much property had been bought. Sunny Isles is so different now. It's so rich now."
"They don't call it Sunny Isles anymore," says Helen, a waitress behind the counter at Wolfie Cohen's Rascal House, the neighborhood delicatessen that opened in 1954, and whose days are reportedly numbered. "They call it Shady Isles."
Peter Zalewski, who started the research firm Condo Vultures in March 2006 to help investors capitalize on the condo glut, says Sunny Isles Beach and neighboring communities are "filled with speculators who went in with no intention of staying.... Now they're desperate to get out." More than 30 of the most expensive 100 foreclosures in Northeast Miami-Dade are in Sunny Isles, according to Zalewski's research.
Area politicians point fingers elsewhere. Sunny Isles Mayor Norman Edelcup says he sees little evidence of a high foreclosure rate. "If it's not oceanside, it's taking longer to sell, but I don't really know where it's occurring," he says. "Perhaps [the foreclosures are taking place] in the Eastern Shores area [of North Miami Beach], or other parts of the zip code."
North Miami Beach Mayor Raymond Marin says that's not the case. "Most [foreclosures] would be occurring in Sunny Isles Beach and Aventura," he responds.
Aventura Mayor Susan Gottlieb didn't bother to return New Times's call.
Sunny Isles makes up the bulk of the zip code, and Lucy Collins expected to retire there. A sales associate for a cosmetics company, she has lived in the subtropics since she was eight years old, when her parents moved to South Beach from New York. She has always worked in sales, and says she excels at it: "I can sell anything."
She bought her unit in November 2005 — just after the market peaked — for $185,000. "Of course it was in its heyday," Collins says, as her yellow-and-gray-flecked cockatiel Sunshine perches on her shoulder. She says she needs to sell for $270,000 to pay off the debt she has taken on. She held an open house this past Father's Day. No one came.
"I don't believe in the American way," says Collins. She tried to refinance her mortgage, but the original lender, Countrywide, told her the loan had been sold to a third party. She can't renegotiate the terms. "I'm sick of loans. I remember, growing up, with my dad — if you couldn't pay for it in cash, you didn't buy it."
But that was a different time. The story in Sunny Isles Beach, says local real estate analyst Jack McCabe, "is a great metaphor for the correcting market and for the kind of speculation that's been going on. It hasn't even started yet. These foreclosures are going to multiply as the new buildings are being finished.... Miami is the most overbuilt condo market in the country."
Mott Marvin Kornicki, Broker ‧ Waterway Realty, LLC ‧ 305.935.3533 ‧ Realtors ®
Sunny Isles Beach, Florida
Featured Property Easy Property Search Company Listings
Office Profile Contact Us
Mott Marvin Kornicki, Realtor®
www.WaterwayRealty.com
Rachel Collins ● Virtual Assistant ● Waterway Realty, Ltd. Co. ● 305.767-2121
It's the tops in Florida. And the banks are eating it up.
By Frank Houston
Published: August 2, 2007
Mortgage Foreclosures, Sunny Isles Beach Crossing the Lehman Causeway into Sunny Isles Beach, you might wonder if you've been sucked into an interstate wormhole in the space-time continuum and landed in downtown Miami. Construction cranes perch atop a skyline that, though dominated by high-rises, still strains upward. The whine and hum of heavy machinery and manpower fills the salty air. On a recent weekday morning, men in hard hats are about the only pedestrians visible on the sidewalks of Collins Avenue.
A few blocks south of the bridge, Lucy Collins closes the windows in her 2/2 condominium apartment, despite the sea breeze. "I think I'll put on the air," she says apologetically. She shuts the screen door on her south-facing balcony, which has views of the Intracoastal and Oleta State Park. To the east she can glimpse the Atlantic Ocean, but it is fast disappearing behind The Donald's latest: Trump Towers, at 15901 Collins Ave., his third high-rise project in the area. A sign in front of the rising building reads, "Sunny Isles Beach Redefined."
"I had the whole ocean view before they started putting Trump up," says Collins. Worse, says the 60-year-old redhead, "foreclosure could be on the horizon." She purchased her apartment, number 408 at the low-slung Kings Point Imperial, in late 2005 when the market was hot. "You can't go wrong buying this property," she remembers being told. Thanks to an adjustable rate mortgage, she now pays almost twice what she used to spend on rent for a similar apartment — more than $2000 a month, and the bill is rising.
"I've already borrowed $12,000 on my credit cards just to keep going," Collins says. She is even considering cashing in her IRA, as well as looking for a job at Home Depot. "Instead of working less as I get older, I'm having to work more. I want out.... You see what's happening in Sunny Isles.... I'm thinking I would just leave the state."
This is the epicenter of Florida's mortgage foreclosure crisis. A June Money Magazine survey listed 33160 — which includes all of Sunny Isles and Golden Beach, and small parts of Aventura and North Miami Beach — as the area with the most foreclosures in Florida, second only to Atlanta in the southeastern United States. The North Miami-Dade zip code even broke into the national top 20, with 480 foreclosures filed in the first half of this year.
Other local zip codes making the nation's top 500 include parts of Brickell, a patch of unincorporated area south of Metrozoo, South Beach, and Homestead. Florida has 72 zip codes on the list; most are in South Florida. In June the region had 2175 foreclosure filings. That was up 167 percent from the same month last year. On a July 18 Fox News broadcast, real estate analyst Gary Kaltbaum referred to the Miami real estate market as "psychotic."
Sunny Isles Beach was once anything but. It was founded in 1920 by Harvey B. Graves, a furniture dealer from Rochester, New York. The interior of the shiny new city hall is lined with nostalgic photos of the town's Sixties-era Motel Row — places like the Marco Polo, the Aztec, the Waikiki, the Dunes, the Driftwood, the Sahara, and a dozen others, all of them long gone, replaced by the towers.
Harvey W. Graves, the 80-year-old grandson of the Sunny Isles Beach founder, hasn't visited since the Fifties. He remembers the town as being "very much in the boonies at that time. The thing I remember is scorpions and tarantulas," he says on the phone from his home in Chevy Chase, Maryland.
Susan Lipp, a great-granddaughter of Harvey B. Graves, visited for the first time last November. "I remember my mom saying my great-grandfather had bought a lot of property in Florida, and I just didn't understand how much property had been bought. Sunny Isles is so different now. It's so rich now."
"They don't call it Sunny Isles anymore," says Helen, a waitress behind the counter at Wolfie Cohen's Rascal House, the neighborhood delicatessen that opened in 1954, and whose days are reportedly numbered. "They call it Shady Isles."
Peter Zalewski, who started the research firm Condo Vultures in March 2006 to help investors capitalize on the condo glut, says Sunny Isles Beach and neighboring communities are "filled with speculators who went in with no intention of staying.... Now they're desperate to get out." More than 30 of the most expensive 100 foreclosures in Northeast Miami-Dade are in Sunny Isles, according to Zalewski's research.
Area politicians point fingers elsewhere. Sunny Isles Mayor Norman Edelcup says he sees little evidence of a high foreclosure rate. "If it's not oceanside, it's taking longer to sell, but I don't really know where it's occurring," he says. "Perhaps [the foreclosures are taking place] in the Eastern Shores area [of North Miami Beach], or other parts of the zip code."
North Miami Beach Mayor Raymond Marin says that's not the case. "Most [foreclosures] would be occurring in Sunny Isles Beach and Aventura," he responds.
Aventura Mayor Susan Gottlieb didn't bother to return New Times's call.
Sunny Isles makes up the bulk of the zip code, and Lucy Collins expected to retire there. A sales associate for a cosmetics company, she has lived in the subtropics since she was eight years old, when her parents moved to South Beach from New York. She has always worked in sales, and says she excels at it: "I can sell anything."
She bought her unit in November 2005 — just after the market peaked — for $185,000. "Of course it was in its heyday," Collins says, as her yellow-and-gray-flecked cockatiel Sunshine perches on her shoulder. She says she needs to sell for $270,000 to pay off the debt she has taken on. She held an open house this past Father's Day. No one came.
"I don't believe in the American way," says Collins. She tried to refinance her mortgage, but the original lender, Countrywide, told her the loan had been sold to a third party. She can't renegotiate the terms. "I'm sick of loans. I remember, growing up, with my dad — if you couldn't pay for it in cash, you didn't buy it."
But that was a different time. The story in Sunny Isles Beach, says local real estate analyst Jack McCabe, "is a great metaphor for the correcting market and for the kind of speculation that's been going on. It hasn't even started yet. These foreclosures are going to multiply as the new buildings are being finished.... Miami is the most overbuilt condo market in the country."
Mott Marvin Kornicki, Broker ‧ Waterway Realty, LLC ‧ 305.935.3533 ‧ Realtors ®
Sunny Isles Beach, Florida
Featured Property Easy Property Search Company Listings
Office Profile Contact Us
Mott Marvin Kornicki, Realtor®
www.WaterwayRealty.com
Rachel Collins ● Virtual Assistant ● Waterway Realty, Ltd. Co. ● 305.767-2121
Wednesday, August 8, 2007
Sand & Stone
Sand and Stone
TWO FRIENDS WERE WALKING
THROUGH THE DESERT.
DURING SOME POINT OF THE
JOURNEY, THEY HAD AN
ARGUMENT; AND ONE FRIEND
SLAPPED THE OTHER ONE
IN THE FACE.
TWO FRIENDS WERE WALKING
THROUGH THE DESERT.
DURING SOME POINT OF THE
JOURNEY, THEY HAD AN
ARGUMENT; AND ONE FRIEND
SLAPPED THE OTHER ONE
IN THE FACE.
THE ONE WHO GOT SLAPPED
WAS HURT, BUT WITHOUT
SAYING ANYTHING,
WROTE IN THE SAND:
TODAY MY BEST FRIEND
SLAPPED ME IN THE FACE.
THEY KEPT ON WALKING,
UNTIL THEY FOUND AN OASIS,
WHERE THEY DECIDED
TO TAKE A BATH
THE ONE WHO HAD BEEN
SLAPPED GOT STUCK IN THE
MIRE AND STARTED DROWNING,
BUT THE FRIEND SAVED HIM.
AFTER HE RECOVERED FROM
THE NEAR DROWNING,
HE WROTE ON A STONE:
"TODAY MY BEST FRIEND
SAVED MY LIFE ".
THE FRIEND WHO HAD SLAPPED
AND SAVED HIS BEST FRIEND
ASKED HIM, "AFTER I HURT YOU,
YOU WROTE IN THE SAND AND NOW,
YOU WRITE ON A STONE, WHY?"
THE FRIEND REPLIED
"WHEN SOMEONE HURTS US
WE SHOULD WRITE IT DOWN
IN SAND, WHERE WINDS OF
FORGIVENESS CAN ERASE IT AWAY.
BUT, WHEN SOMEONE DOES
SOMETHING GOOD FOR US,
WE MUST ENGRAVE IT IN STONE
WHERE NO WIND
CAN EVER ERASE IT."
LEARN TO WRITE
YOUR HURTS IN
THE SAND AND TO
CARVE YOUR
BENEFITS IN STONE.
THEY SAY IT TAKES A
MINUTE TO FIND A SPECIAL
PERSON, AN HOUR TO
APPRECIATE THEM, A DAY
TO LOVE THEM, BUT THEN
AN ENTIRE LIFE ~
TO FORGET THEM.
TALK ABOUT THIS MESSAGE TO
THE PEOPLE YOU'LL NEVER
FORGET.
IF YOU DON'T
MENTION THIS TO ANYONE,
IT MEANS YOU'RE IN A
HURRY AND THAT YOU'VE
FORGOTTEN YOUR FRIENDS.
TAKE THE TIME TO LIVE!
DO NOT VALUE THE THINGS
YOU HAVE IN YOUR LIFE, BUT VALUE
WHO YOU HAVE IN YOUR LIFE !
EVERYBODY HAS OR HAS HAD SOMEBODY SPECIAL!
IF YOU'VE READ THUS FAR, PLEASE LEAVE A COMMENT! >>>>>>>
Forwarded on from an e:mail from my friend;
Frankie A. Villani, a Florida Mortgage & Real Estate Guy.
-----------------------------------------------------------------------------------------
SUNNY ISLES BEACH ~ REAL ESTATE ~ SALES ~ MANAGEMENT ~ RENTALS
-----------------------------------------------------------------------------------------
Waterway Realty, Ltd. Co.
Mott Marvin Kornicki, Realtor®
18335 Collins Avenue #155-7
Sunny Isles Beach, FL 33160
www.waterwayrealty.com
Office • 305.935.3533 • Office
Home • 786.284.8666 • Home
Fax US • 305.682.9996 • Fax
‹(•¿–)›
TO TAKE A BATH
THE ONE WHO HAD BEEN
SLAPPED GOT STUCK IN THE
MIRE AND STARTED DROWNING,
BUT THE FRIEND SAVED HIM.
AFTER HE RECOVERED FROM
THE NEAR DROWNING,
HE WROTE ON A STONE:
"TODAY MY BEST FRIEND
SAVED MY LIFE ".
THE FRIEND WHO HAD SLAPPED
AND SAVED HIS BEST FRIEND
ASKED HIM, "AFTER I HURT YOU,
YOU WROTE IN THE SAND AND NOW,
YOU WRITE ON A STONE, WHY?"
THE FRIEND REPLIED
"WHEN SOMEONE HURTS US
WE SHOULD WRITE IT DOWN
IN SAND, WHERE WINDS OF
FORGIVENESS CAN ERASE IT AWAY.
BUT, WHEN SOMEONE DOES
SOMETHING GOOD FOR US,
WE MUST ENGRAVE IT IN STONE
WHERE NO WIND
CAN EVER ERASE IT."
LEARN TO WRITE
YOUR HURTS IN
THE SAND AND TO
CARVE YOUR
BENEFITS IN STONE.
THEY SAY IT TAKES A
MINUTE TO FIND A SPECIAL
PERSON, AN HOUR TO
APPRECIATE THEM, A DAY
TO LOVE THEM, BUT THEN
AN ENTIRE LIFE ~
TO FORGET THEM.
TALK ABOUT THIS MESSAGE TO
THE PEOPLE YOU'LL NEVER
FORGET.
IF YOU DON'T
MENTION THIS TO ANYONE,
IT MEANS YOU'RE IN A
HURRY AND THAT YOU'VE
FORGOTTEN YOUR FRIENDS.
TAKE THE TIME TO LIVE!
DO NOT VALUE THE THINGS
YOU HAVE IN YOUR LIFE, BUT VALUE
WHO YOU HAVE IN YOUR LIFE !
EVERYBODY HAS OR HAS HAD SOMEBODY SPECIAL!
IF YOU'VE READ THUS FAR, PLEASE LEAVE A COMMENT! >>>>>>>
Forwarded on from an e:mail from my friend;
Frankie A. Villani, a Florida Mortgage & Real Estate Guy.
-----------------------------------------------------------------------------------------
SUNNY ISLES BEACH ~ REAL ESTATE ~ SALES ~ MANAGEMENT ~ RENTALS
-----------------------------------------------------------------------------------------
Waterway Realty, Ltd. Co.
Mott Marvin Kornicki, Realtor®
18335 Collins Avenue #155-7
Sunny Isles Beach, FL 33160
www.waterwayrealty.com
Office • 305.935.3533 • Office
Home • 786.284.8666 • Home
Fax US • 305.682.9996 • Fax
‹(•¿–)›
Friday, August 3, 2007
What You Already Know - Our Greatest Happiness
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Mott Marvin Kornicki, Broker • Waterway Realty, LLC • 305.935.3533 • Realtors®
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Mott Marvin Kornicki, Realtor®
Ocean Four - Sunny Isles Beach, FL - Luxury Rentals on the Ocean!
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Air conditioning
Waterway Realty, LLC & Waterway Realty, Ltd. Co. ~ We now have a second location!
Mott Marvin Kornicki, Broker • Waterway Realty, LLC • 305.935.3533 • Realtors®
Sunny Isles Beach, Florida
Featured Property Easy Property Search Company Listings
Office Profile Contact Us
Waterway Realty, Ltd. Co. ● 305.767.2121
Mott Marvin Kornicki, Realtor®
Wednesday, August 1, 2007
NOTARY PUBLIC • AVENTURA • SUNNY ISLES BEACH • 305.935.3533 • REALTOR®
NOTARY PUBLIC | AVENTURA | BAL HARBOUR | HOLLYWOOD | SUNNY ISLES BEACH | AT YOUR PLACE OR AT OUR OFFICE | MILEAGE FEES MAY APPLY P.O.B. SUNNY ISLES Location: Sunny Isles Beach Name: Mott Marvin Kornicki, Florida Notary Public Company:Waterway Realty, LLC E:mail: Mott Marvin Kornicki ~ WaterwayRealty@gmail.com Website: http://www.WaterwayRealty.com Waterway Realty, Ltd. Co. ~ Sunny Isles Beach, Florida Office Phone:(305) 935-3533 Cell Phone:(786) 229-7999 Office Address:18206 Collins Sunny Isles Beach, FL 33160 (Behind Burger King Next to RBC Centura Bank) Home/Office: 18335 Collins Sunny Isles Beach, FL 33160 (Shara Beach Club & Resort) Description: NOTARY PUBLIC ? DOCUMENT SIGNING ? LICENSED REAL ESTATE BROKER ? SALES & LEASING ADVISOR ? MORTGAGE BROKER ? AVENTURA ? BAL HARBOUR ? GOLDEN BEACH ? SUNNY ISLES BEACH ? SURFSIDE ? THE WATERWAYS Our Services: Mott Marvin Kornicki provides document signing services in Aventura, Bay Harbor, Bal Harbour, Coconut Grove, Coral Gables, Downtown Miami, Eastern Shores, Fisher Island, Golden Beach, Hallandale Beach, Hollywood Beach, Miami Beach, North Beach, Sunny Isles Beach, The Waterways and Williams Island. Mobil services are available as well as on site signing services; at our Sunny Isles Beach, Florida office. What is a Notary Public:A Notary Public is an officer who can administer oaths and statutory declarations, witness and authenticate documents and perform certain other acts varying from jurisdiction to jurisdiction. Generally speaking, a notary public in the United States of America has powers that are far more limited than the role of a civil law notary in the rest of the world, with the exception of Louisiana. For the purposes of authentication, most countries require commercial or personal documents which originate from or are signed in another country to be notarized before they can be used or officially recorded or before they can have any legal effect. In some countries and states, notaries are required to undergo specific training in the performance of their duties. Many must also first serve as an apprentice before being commissioned or licensed to practice their profession. Even licensed lawyers (such as barristers or solicitors) must go through additional specialized notarial training and apprenticeship, in many countries, before being allowed to practice the profession of a notary. A notary public commissioned in the United States of America is not an attorney-at-law unless also admitted to the bar. (Although some countries consider the profession of a civil law notary, itself, to be the practice of law. Many even have institutes of higher education issuing degrees in the field. In the United Kingdom, for example, a notary public can perform any task a solicitor or other lawyer can perform, as part of their notary public duties,with the sole exception of representing others before the courts, unless they are also licensed as a barrister.) Notary Commission Details CLICK HERE FOR COMMISSION DETAIL Information Contact Information Rates Payment Methods: Cash, Check, Money Order Location 18335 Collins Avenue Sunny Isles Beach, Florida 33160 Profile Service Area: Miami, Sunny Isles Beach, Bal Harbour Years of Service: 15+ Service Type: Notary Public Market Focus: Professional Services
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About Me
- Waterway-Realty
- Miami Beach, Florida, United States
- I am a Realtor® in Sunny Isles Beach, Florida. I first became licensed in Florida as a real estate sales-person in 1978 and later became a mortgage broker and Florida Notary Public. For several years, in between- I drove a Taxi-Cab, here in Miami-Dade County. I currently own & operate a real estate brokerage business by the name of Waterway Realty, LLC d/b/a Waterway Realty. Business is great! I enjoy helping people find the perfect home or condo, renting, buying or selling- I enjoy my work. I have no preconceived notions when it comes to my clients and prospects. I try to treat everybody the way I wish to be treated- Honestly, Fairly, Truthfully and with utmost care and consideration. The world is getting smaller each and every day.