Moving to the USA? Here’s Everything You Need to Know

Photo via Pexels

Pew Research Center notes that America is the top destination for many immigrants because of the availability of job opportunities, diversity, and safety. Due to the high rate of immigration in the country, officials want to ensure that everyone coming to live in the country has the best intentions for America. Below, Top Orlando Realty has listed 10 things to consider when relocating to the US. 

Preparing for relocation

Once everything is confirmed for the move, it’s time that you put everything you need together and make necessary adjustments for your move to the US. Use this checklist for an effective transition:

  • Collect all necessary documents and have them translated if need be.
  • Practice your English skills.
  • Beware of any scams.
  • Look for loans and financial aid to help reduce your expenses.
  • Organize housing. 

If you want to purchase a home, it’s a good idea to spend time assessing what’s available in your area. Look for homes that meet your requirements for rooms, size, and budget.

Important documents that you need

Here are the documents you must have for moving.

  • Identification card and passport
  • International birth certificate
  • A copy of marriage or divorce certificates
  • Important bank documents
  • Job application documents
  • Medical and international vaccine records
  • Tax records

What you’ll need after you arrive

There are several documents that are required at one time or another after you get settled.

  • Local driver’s license
  • Local bank account
  • Health insurance 
  • Pension plan
  • Housing 
  • Social security card

Finding health insurance can be tricky if you do not receive it from your employer. Fortunately, there are options such as the ACA exchange, from which you can shop various plans to find one that suits your needs.

Getting citizenship in the US 

Once you arrive in America, file citizenship immediately the law lets you. Citizenship protects you from deportation and will also help when your family wants to relocate to America. For someone who migrated using a green card, you can file for citizenship after 5 or 3 years. If you obtained legality through marriage, it could be less than three years.

Visa renewal delays

The immigration service (USCIS) always has delays and is constantly behind schedule. If your immigration documents have expired, you can be deported even if you have already applied for renewal.

Immigration and visa provision laws

You must abide by every law in America, most notably the immigration and visa provision laws. Be informed of what’s required of you and abide accordingly. As an immigrant, going against any law can be dire for you. Figueroa-Contreras Law Group explains that a minor violation can lead to visa cancellation, deportation, or worse, being banned from the US.  

Visa status

It’s advisable that you are always on track with your visa status and always have a copy of your document. Immigration officials have a habit of losing paperwork.

Research from reliable resources

Everyone’s legal situation is different and unique from a friend’s or family’s situation. There are many misconceptions, myths, and hearsay about immigration that are far from the truth. Do your due diligence and research from reliable sources, consult an immigration lawyer when necessary. 

Summary removals

Summary removals are when border officials prohibit you from entering the US. This can be done if they feel like you are a threat to the country or lie about your intentions to come into America. 

Visa petitions

It’s wise to file for multiple petitions if you have many family members in the US. This will increase your chances of getting a green card.

Conclusion

Before moving to America, ensure that you have done proper research on what to expect. Being prepared is key when moving to a foreign place, even if you have family and friends in the area. Hopefully, this article has given you an idea of what to expect once in the country. 
Top Orlando Realty has been in the real estate services business for many successful years thanks to a great many buyers and sellers, and their recommendations to others. Connect with us today by calling 407-284-1213!

How to Settle Into a New City in 5 Steps

Moving to a new city is bittersweet. You have a job to look forward to and a city to explore, but your friends and family are many miles away. It’s exciting and overwhelming all at once, and you can’t wait to start feeling at home in your new town. But first, there’s work to do.

These five steps will take you from a house full of boxes to a place you’re proud to call home.

Don’t put off unpacking

Decorating a new space is one of the best parts of moving. But unpacking box after box of dishes, linens, and office supplies? Not as fun. As tempting as it is to put off unpacking, deal with it while you still have momentum from moving. This is easiest if you labeled your boxes and packed according to priority level — if you’re reading this before moving, take note!

Unpack these high-priority items first:

  • Pots and pans, dishes, and other kitchenwares.
  • Bedding, dish towels, and bath towels.
  • Toiletries and cleaning supplies.
  • Tools.
  • Electronics and chargers.
  • Pet supplies.
  • Clothing.

With the essentials unpacked, you can stop living out of suitcases and subsisting on take-out. But don’t stop yet: With the important stuff in its place, start deciding where to put low-priority items like seasonal decorations and recreational equipment.

Make it your own

On to the fun stuff: arranging and decorating your blank slate of a home. Start with the basics, like placing furniture to create traffic flow and hanging your favorite art. After you’ve gotten to know your home’s quirks, you’ll have a clearer vision for how you’d like to change it, whether buying new furniture, repainting, adding shelves and lighting, or a little bit of everything.

Get to know your neighborhood

Now that you’ve made your new house a home, it’s time to venture outside your four walls and explore the neighborhood. Say hello to neighbors you see (or knock on their doors if you’re feeling brave), scope out the local green spaces, and find the closest coffee shop and grocery store.

If you have kids, include them in the introductions. A new neighborhood is a big, scary place for small kids, but you can ease the transition by venturing outdoors with your children and connecting them with local activities and play groups.

Help pets settle in

It’s not only humans who feel a little nervous in a new town. Your dog or cat is likely to exhibit post-move anxiety too, but you can help pets settle in by maintaining routines and spending extra time with them. Pets may be extra clingy after a move, but with care and attention, they’ll accept the new place as home. Start exploring the neighborhood with your pup right away and look for local dog parks where he can exercise. Once he’s in the park, keep a close eye on him and how he’s interacting with other dogs. If you notice signs of anxiousness or other dogs being aggressive, it may be time to take him home.

Contact these services ASAP

You’re almost done, but first, make these essential connections in your new town:

  1. Your car insurance company: Most states give 30 days to update your car’s registration, but in order to register, you’ll need proof of in-state insurance. If you’re new to the state, familiarize yourself with its minimum coverage requirements, then shop for a policy — obviously, there are a lot of car insurance options, so shop around to find what works for your lifestyle and budget. Depending on where you’re moving from, you may pay less for the same level of coverage.
  2. A primary care physician: Instead of waiting until someone gets sick, find a doctor in your health insurance network, and schedule new patient visits ASAP.
  3. A veterinarian: The same advice applies if your pet needs a doctor. The AVMA explains how to find a new veterinarian.
  4. A babysitter: A good babysitter is worth their weight in gold. Give yourself plenty of time to find a sitter you trust by starting your search now.
  5. A handyman or handywoman: You can count on discovering at least a few minor problems when moving into a new house. Ask your new neighbors for recommendations — it’s a great way to break the ice!

There’s no shortage of things to do when you move to a new town, and it’s not over once you’ve taken these steps. Expect to spend a year settling into the new location before it starts feeling like home. That may sound like a lot of time, but in a new city, you’ll have no trouble finding things to do!

Image via Rawpixel

If you came across this article before you moved, or if you rented first but now ready to buy a home, give Alex Galitsky a call 407-284-1213 and he can help you every step of the way. From getting pre-approved and finding a mortgage with best rates and terms , to finding that perfect home and negotiating a great deal. To Learn more about Alex, visit http://TopOrlandoRealty.com

5 reasons to list a home for sale this spring

NEW YORK – March 25, 2019 – Here are five reasons to list a home this spring:

1.Demand is strong
The latest Buyer Traffic Report from the National Association of Realtors (NAR) shows that buyer demand remains strong throughout the vast majority of the country. These buyers are ready, willing and able to purchase … and are in the market right now! More often than not, in many areas of the country, multiple buyers are competing with each other to buy the same home. Take advantage of the buyer activity currently in the market.

2.There is less competition now
Housing inventory is still under the 6-month supply that is needed for a normal housing market. This means that, in the majority of the country, there are not enough homes for sale to satisfy the number of buyers in the market. Historically, the average number of years a homeowner stayed in his or her home was six, but that number has hovered between nine and 10 years since 2011. There is a pent-up desire for many homeowners to move as they were unable to sell over the last few years due to a negative equity situation. As home values continue to appreciate, more and more homeowners will be given the freedom to move. Many homeowners were reluctant to list their home over the last couple years, for fear that they would not find a home to move in to. That is all changing now as more homes come to market at the higher end. The choices buyers have will continue to increase. Don’t wait until this other inventory comes to market before you decide to sell.

3.The process will be quicker
Today’s competitive environment has forced buyers to do all they can to stand out from the crowd, including getting pre-approved for their mortgage financing. This makes the entire selling process much faster and much simpler as buyers know exactly what they can afford before home shopping. According to Ellie Mae’s latest Origination Insights Report, the time needed to close a loan is 49 days.

4.There will never be a better time to move up
If your next move will be into a premium or luxury home, now is the time to move up! The inventory of homes for sale at these higher price ranges has forced these markets into a buyer’s market. This means that if you are planning on selling a starter or trade-up home, your home will sell quickly and you’ll be able to find a premium home to call your own! Prices are projected to appreciate by 4.6 percent over the next year according to CoreLogic. If you are moving to a higher-priced home, it will wind up costing you more in raw dollars (both in down payment and mortgage payment) if you wait.

5.It’s time to move on with your life
Look at the reason you decided to sell in the first place and determine whether it is worth waiting. Is money more important than being with family? Is money more important than your health? Is money more important than having the freedom to go on with your life the way you think you should? Only you know the answers to the questions above. You have the power to take control of the situation by putting your home on the market. Perhaps the time has come for you and your family to move on and start living the life you desire. That is what is truly important.

Copyright © 2019 Rockville Centre Herald, Richner Communications Inc. dba Herald Community Newspapers; Rich McQuillan. All rights reserved.

What to do next…

To get a free Home Evaluation, to connect with an experienced and Top Realtor, or to just download a FREE Report titled “How to sell your house for Top Dollar Fast” visit https://toporlandorealty.com/sellers

Life Planning for Beginners

pregnant woman with child listening to stomach

Photo courtesy of Pixabay by Tawney Nina

How much does it cost to have a baby? Recent studies have determined, after factoring for inflation, that the average cost to raise a child is a whopping $245,000. That estimate only includes infancy through age 18, and doesn’t even take college costs or other post-college expenses into consideration.

$245,000 per child is a staggering number for most. If you have a family or plan on starting one, you may be wondering how you’re supposed to afford to have a child. Wouldn’t things be so much easier if this life planning stuff came with its own instruction manual? While we live in the real world where tricky situations don’t come with their own handy instructions, there is still a lot of time-tested wisdom out there and plenty of experts who are willing to share their advice with us.

Here are a few tips from the financial experts:

Prepare for a New Baby
Research shows that, given the same income, people who commit to a financial plan are much more successful in saving up for their goals. The same is true for planning a family and saving up for a good future for your children. For couples who are saving up together, having a financial plan in place will help them see eye to eye and (hopefully) be more successful in reaching their goals.

Planning for a new baby can start during pregnancy, or anytime prior to conception. A recent Parents.com article offers a nine-month strategy for family planning. In addition to the common sense advice of cutting debts and tracking pennies, some of the other recommendations include: updating life insurance beneficiaries; evaluate pricing for various childcare options; and even the grim yet necessary task of writing a will (and choosing a guardian for your child) and putting together other necessary documents just in case something happens to you. Another important aspect of family planning is choosing a safe place to live. Evaluate the area you live in now and think about whether you would feel comfortable raising children there. These aren’t always the things that we want to think about, but they are absolutely necessary to think about when bringing a new life into this world and raising that life through adulthood.

Build a Nest Egg
Author Dave Ramsey, who is known for his helpful books and radio show on paying off debts and achieving financial stability, recommends building up a nest egg as soon as you can. Start by saving up $1,000 in a savings account, while you are still working to pay off your debts.

Eventually, you’ll also want to save up enough money to cover 3 to 6 months of your expenses. Why? There are no guarantees in life. Hopefully, you don’t lose your job, get in an accident, have to have an unexpected surgery, or encounter another situation where you might struggle to pay your bills. This savings covers your bills just in case anything happens and keeps you from slipping further into debt.

Having a solid nest egg will also come in handy should you want to make family investments such as purchasing an investment property, buying a larger home to accommodate your growing family, set up a college fund for your child, or even family vacations. Apart from your main bank account, consider setting up a separate bank account for expenses and investments. Commit to putting a little bit of money in each month, sit back, and watch it grow.

Get Help from an Actual Human

If you’re finding it difficult to navigate your way through life planning and finances on your own, there are people out there who can help. It might be time to find a financial adviser who can assess your unique situation and help you determine a plan that fits your needs. Forbes recently released a list of tips for picking the right financial adviser, which you can read here.

Once you’ve followed these tips, you’ll be off to a good start. If you already have children, you’ll rest easier (well, as easily as you can rest with children in the house) knowing that you’re making important decisions to positively influence your child’s future. And if you don’t have children yet, you’ll be able to focus more energy on eagerly anticipating your future family, knowing you’re financially prepared for your little ones to arrive.

Author: Jackie Waters (Hyper-Tidy.com)

How to Check for Contaminated Land Before You Buy

Recently I was working with a buyer who was looking for a piece of property at an absolute auction. After doing some due diligence and research we discovered that there used to be a gas station previously and tanks leaked. The land and water supply is now contaminated and clean up efforts are being made. The cleanup is estimated to cost around $400k. A deal quickly turned into a dud.

Use this map below to locate contaminated land. You can choose one or more search criteria:

Brownfields Sites in this category are being cleaned up under Florida’s Brownfields Redevelopment Program. Brownfields are properties that are abandoned or underutilized due to actual or perceived contamination. This program provides legal and financial incentives to persons who voluntarily clean up and redevelop brownfield sites in accordance with the program requirements.
Petroleum These are sites contaminated by discharges of petroleum and petroleum products from underground and above ground stationary petroleum storage systems. Many of these sites are eligible to be cleaned up by the DEP (in priority order) while others will be cleaned up by the party responsible for the contamination, under DEP’s direction.
Superfund These are contaminated sites that are being cleaned up by the federal Superfund program under the direction of the U.S. Environmental Protection Agency and in cooperation with the DEP.
Other Waste Cleanup These are sites contaminated by non-petroleum chemicals that fall under one of the following five cleanup programs. Some of these sites are in the process of being cleaned up; others are on priority lists awaiting funding.

  • Drycleaning: Sites contaminated with drycleaning solvents that are eligible to be cleaned up by the DEP
  • Responsible Party: Sites that will be cleaned up by the party responsible for the contamination or by a party that did not cause the contamination but has accepted responsibility for cleanup
  • State Funded: Sites that will be cleaned up by the DEP because there is no party identified that is responsible for the contamination or able to clean it up
  • State-Owned Lands Cleanup: Sites on state properties (such as state parks or state-owned buildings) that will be cleaned up by the DEP
  • Hazardous Waste: Sites at regulated hazardous waste facilities that will be cleaned up by the facility owner or operator in accordance with the federal hazardous waste program.

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Improve indoor air quality in Florida with plants

Air Cleaning House Plants

WASHINGTON – Thirty years ago, a NASA study found that certain houseplants can help clean the air inside space stations, and since that time, studies have confirmed that the same houseplants may be able to do that for a home or office too.

Beyond air quality, other studies have linked certain houseplants to an increase in productivity, calmness, creativity and even a better night’s sleep.

NASA recommends placing up to 18 plants in an 1,800-square-foot house to help purify the air. The best plants to use? Studies highlight these:

  • Philodendron
  • Aloe
  • Snake plant
  • Peace lily
  • English Ivy
  • Spider plant
  • Gerbera Daisy
  • Dragon tree
  • Bamboo

Source: “NASA’s Top Houseplants for Improving Your Wellbeing and Removing Air Pollution,” inhabitat.com (Nov. 15, 2016)

The cost of home renting vs. owning in Florida

rent-vs-buy

LOS ANGELES – July 19, 2016 – Personal finance website GOBankingRates.com released a guide detailing how monthly rent compares to monthly mortgage payments across the U.S.

To see the price breakdown for all U.S. states, visit the GOBankingRates website.

The bottom line: It’s cheaper to own a home than it is to rent one in 42 states, with renting more affordable in only eight states and the District of Columbia.

According to GOBankingRates.com, the average savings enjoyed by homeowners in Florida is $398 per month. In its five-stage ranking system – a lot more to own, a little more to own, about the same, a little more to rent and a lot more to rent – Florida is one of 24 states in the “a lot more to rent” category.

“The good news is mortgage rates are near historic lows,” says Kristen Bonner, lead researcher on the study. “Unfortunately, Americans are still running into road blocks with being able to save enough money to afford a downpayment, and are therefore forced to rent.”

The study compared median rent prices for single-family homes against the median list price of homes in each state. GOBankingRates assumed a 20 percent downpayment for the median list price and applied a 30-year fixed-rate loan term. It also included the cost of property taxes and insurance.

Top 10 places where owning is cheaper than renting

  • New York: $1,635
  • Massachusetts: $559
  • Illinois: $522
  • New Jersey: $472
  • Pennsylvania: $461
  • Florida: $398
  • Maine: $396
  • Ohio: $375
  • Alaska: $334
  • Rhode Island: $334

Special verbage for a notary to get a signature notarized

Do you need to prepare a document that needs to be notarized? Well, here is a little blurb you can add for the notrary, so that they can quickly and easily notarize your signature. I’ve used in in Florida.

 

___________________________          ___________________________

                                                                                    Seal

State of _______________________

County of _____________________

 

        I Hereby Certify that on this day, before me, an officer duly authorized in the State  aforesaid to  take acknowledgments, personally appeared_________________________________________________________ 

to me known as the person(s) described in and who executed the foregoing instrument and Acknowledged before me that he/she executed the same.

            Witness my hand and official seal in the county and State last aforesaid this _____day of      ________________ ,20 _____ A. D.,

                                                                                                _____________________________

                                                                                                Notary Public

                                                                                                My commission expires__________

 

 

How to file Homestead Exception and Save on Property Taxes in Cenral Florida

red house money flying

If you just moved to Florida, you may not know about Homestead exemption and how it can save you money on taxes.

What is a Homestead Exemption in Florida?

Homestead Exemption is a tax reduction allowable to homeowners who make their property their permanent residence. If approved, this exemption could reduce the taxable value of your residence by up to $50,000. The first $25,000 of this exemption applies to all taxing authorities. The second $25,000 of exemption excludes School Board taxes and applies to properties with assessed values between $50,000 and $75,000. As a result, the homeowner would enjoy a substantial savings on the taxes levied on their property by the various taxing authorities.

How to file homestead exemption in Florida by County:

The deadline for filing Homestead Exemption is March 1st. Owner is responsible for filing on time and filing can be done online, in person, or via mail. I prefer to do it online because its quick and secure.

The deadline to file is Mar. 1

Orange County:

  • File Online – It’s Safe, Secure and Easy! In order to file on-line, you must have received a Homestead Letter from our office with your individually assigned User-Login and Password. You should receive this packet approximately 4 to 6 weeks following your real estate closing. If you misplaced it, you can request another one.
  • File by Mail/Fax – Download and file.
  • File in Person – Orange County has Satellite Offices which open Jan.11, 2016 and close Feb, 20, 2016? They are located conveniently across Orange County. Click here to see which location is near your home or workplace.

Seminole County Florida:

 

 

Orlando Market Pulse – Oct 2015

ORRA sales

* Monthly revised sales. ** Includes listings with a status of “Active With Contract.”
Complete stats and data may be found under Market Info at orlandorealtors.org. Comments or suggestions? Contact Mike Blinn, Statistician.

Market Pulse™ data represents all listings taken or sold by ORRA brokers, regardless of location and is exclusive to residential property, which includes townhomes, duplexes, single-family homes, and condos. It does not include vacant land or commercial transactions.

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