**Greetings from Branon A. Edwards and Jelena Panfilova
from Coldwell Banker!

Can you believe the holidays are right around the corner?! Neither can we, but
the season
is definitely upon us. Miami is abuzz with the sounds of snowbirds flocking to
our warmer
climate and white sand beaches.

We hope you and yours have a wonderful holiday season and that all of your
winter
dreams come true.

We wanted to combine our November and December newsletters to keep things simple
for
you - you've got enough going on without having to wade through scores of emails
from
your favorite Florida real estate couple.

We continue to be asked about the real estate outlook for Florida. We've been
doing lots
of research and would like to share a five national trends that are impacting
real estate
markets across the country - including Florida's.

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CURRENT LISTINGS

FOR RENT: Seasonal/Annual Rental on Hallandale Beach - AVAILABLE NOW
Immaculately furnished 2-bedroom/2-bath luxury 18th floor penthouse in 2080
South
Ocean Drive on Hallandale Beach with direct Ocean and Intracoastal Waterway
views. Pets
negotiable. Available monthly for $5,500/month.
http://www.InvestFloridaRealty.com/rental/hallandale-beach.htm

FOR RENT: Annual Rental on Hollywood Beach - AVAILABLE NOW
Gorgeous 15th floor 1-bedroom/1-bath oceanfront condominium in The Wave on
Hollywood Beach with direct ocean views. Completely remodeled with new
appliances,
crown moldings, and lots of closet space. Pets are negotiable. $1750/month
http://www.InvestFloridaRealty.com/rental/wave-hollywood-beach.htm

FOR SALE:
Lovely 17th floor 1-bedroom/1.5-bath in Charter Club on the Bay with direct
views of
Biscayne Bay. Condo is beautifully furnished and includes new appliances, 1-year
home
warranty and $3,000 toward closing costs or upgrades. Across the street from
Blue
Condos near the Performing Arts District and the Design District. Just $250,000.
http://www.InvestFloridaRealty.com/listings/charterclub.htm

FOR SALE:
$50,000 Below Market for Quick Sale! 2-bedroom/2-bath/2-balcony luxury
preconstruction condominium unit in Ocean 4. 15th floor with direct West
Intracoastal
Waterway and Sunset views! Oceanfront building in Sunny Isles Beach. Current
market
price is $650,900 - asking $599,900.
http://www.InvestFloridaRealty.com/preconstruction/ocean4-1506.htm

FOR SALE:
REDUCED from $899,000 to $895,000 - huge vacant building lot in exclusive Punta
Gorda
Isles. Nearly one-half acre with 50-ft seawall and direct Gulf sailboat access.
New concrete
boat dock - lot cleared and ready to build your 3-car garage pool home with
beautiful
sunset views.
http://www.InvestFloridaRealty.com/listings/pgi.htm

FOR SALE:
Vacant Building Lots in Ocala, FL. Beautiful single-family homesites in Silver
Springs
Shores, a growing area of Ocala. Lots starting at just $15,000.
http://www.InvestFloridaRealty.com/listings/ocala.htm
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FIVE NATIONAL TRENDS AND FLORIDA'S REAL ESTATE MARKET
We recently met with one of Coldwell Banker's Regional Vice Presidents who
shared her
thoughts about the Florida real estate market. More specifically, we talked
about some
nationwide trends that put Florida in line for continued growth.

1. INTEREST RATES
Obviously, low interest rates have continued to fuel the real estate market for
some time
now. Even with recent interest rate increases, mortage lenders continue to
offer
exceptional rates and innovative programs to draw renters and recent graduates
into the
home-ownership market.

2. BABY BOOMERS AND THE TRANSFER OF WEALTH
Baby Boomers are the recipients of one of the largest wealth transfers in our
nation's
history. Parents of Baby Boomers lived through the Great Depression and as a
result,
many continued their frugal saving habits throughout their lives and are now
passing that
wealth on to their children. With increased awareness of estate planning
(including real
estate investments), even more wealth is being passed along rather than being
handed
directly to Uncle Sam as estate taxes. Many of these Baby Boomers are using
these
unexpected windfalls to purchase second homes, vacation homes, and investment
property. Of course, as Baby Boomers near retirement age, many are looking to
warmer
climates for their future residences.

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NEW PRECONSTRUCTION PROJECTS:

PORT ST LUCIE - PGA VILLAGE
Single family golf course homes from the $300,000s
http://www.InvestFloridaRealty.com/preconstruction/pgavillage.htm

FORT MYERS - OASIS ON THE CALOOSAHATCHEE RIVER
Riverfront highrise condos from the $200,000s to over $800,000s
http://www.InvestFloridaRealty.com/preconstruction/oasis.htm

SUNNY ISLES BEACH - PARAMOUNT BEACH CONDOMINIUM
Oceanfront luxury 3 and 4-bedroom condos from $980,000 to over $2 Million
http://www.InvestFloridaRealty.com/preconstruction/paramountbeach.htm

MIAMI PERFORMING ARTS DISTRICT - MONDRIAN CONDOMINIUM
Urban artistic boutique condominiums from the $240,000
http://www.InvestFloridaRealty.com/preconstruction/mondrian.htm

COCONUT GROVE - GROVE LOFTS ON GRAND AVENUE
True loft living in the heart of the Grove from $240,000
http://www.InvestFloridaRealty.com/preconstruction/grovelofts.htm

NORTH BAY VILLAGE - LINX ON NORMANDY SHORES GOLF COURSE
Ultra-contemporary golf course condos from the $200,000s
http://www.InvestFloridaRealty.com/preconstruction/linx.htm
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3. INCREASING HOMEOWNERSHIP AMONG IMMIGRANT POPULATIONS
Many immigrant populations typically rent for their first 10 years in the USA,
but move
toward buying a home in their second 10 years. Given the immigrant population
increases
in the 80s and 90s, many of those immigrants are now looking to move away from
renting
toward owning. The hispanic population, according to Census numbers and other
studies,
is particularly interested in owning property and are making the move toward
home
ownership.

4. STOCK MARKET RUMBLES
Since the Dot-Com plunge a few years back, an increasing number of investors
have
realized that real estate investments have been generating better returns than
their often
riskier Wall Street portfolios. Many REITs are announcing record numbers of
both
investors and returns. Further, more investment advisors and wealth planners
are jumping
on the bandwagon and are now recommending real estate to many of their
customers.
States like Florida are particularly high on the 'suggested buy list' because of
the
exceptional returns that our real estate markets have been generating. As an
example,
the Miami real estate market has been enjoying returns of upwards of 20%
annually over
the last 3 years - certainly few stock brokers can boast similar results.

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SPECIAL THANKS to... YOU !
Thanks to great customers like you, 2004 has been a very successful and exciting
year for
both of us. Thanks to your confidence and your referrals, we have held the
title of top-
referring agents in our office for more than 6 months running and have surpassed
several
career milestones.

We truly believe that referrals are the most sincere compliments that we can
receive... and
they're the foundation of our business. We hope that you will continue to trust
us for your
real estate needs and for the needs of your friends and family. If we can ever
be of
service, please don't hesitate to contact us.

THANK YOU - THANK YOU - THANK YOU!
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5. FOREIGN INVESTMENT IN STABLE ECONOMIES
Like US investors, non-US-based investors are always on the lookout for good
investments. One of the top priorities for those investments is often
stability. The USA
has traditionally been a stable marketplace and international investors have
continued to
be drawn to the US as a result. Increased wealth in countries in the European
Union, South
America, and Asia have created an influx of investment dollars for the USA.
Given the
relatively stable nature of real estate in our country, it is no surprise that
many of these
investors are putting their hard-earned Euros, Yen, and Pesos into US real
estate.

Needless to say, if we take a look at each of these 5 national trends, we see
that Florida is
strategically positioned in each and every case. Florida's warmer climate,
beautiful
destinations, stable and increasing markets, international tourism industry,
plus Florida's
immigrant population and international reputation all point to continued growth
in our
real estate markets. Of course, Miami and the surrounding area is uniquely
positioned
within Florida's economy to truly take advantage of these trends as well.

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Looking for something in particular?
Want to get the best price for your current property?
Call or email us today and we'll be happy to help you.
Remember, all of our services are Guaranteed in Writing!

CHECK OUT OUR WRITTEN GUARANTEE
http://www.InvestFloridaRealty.com/guarantee.htm
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As always, thank you for the opportunity to earn your business. If you or
anyone you
know is looking to buy or sell real estate in Florida, please keep us in mind.

Again, we hope you and yours have a wonderful and safe holiday season.

All the best,

--Branon A. Edwards, Licensed Florida Realtor®, ePRO
--Jelena Panfilova, Licensed Florida Real Estate Agent

Branon Direct: 786-417-4910
mailto:Branon@...

Jelena Direct: 786-417-4911
mailto:Jelena@...

Our Private Fax: 786-524-5747

VISIT OUR WEBSITE:
http://www.InvestFloridaRealty.com

---- Office Information ----

Coldwell Banker® Residential Real Estate, Inc.
328 Crandon Blvd, Suite 127
Key Biscayne, FL 33149 USA

Is Your House a TALKING HOUSE?
http://www.MiamiTalkingHouse.com