Aventura & Sunny Isles Beach Luxury Real Estate

The reminders in our lives that guide us: those ever loving expiration and due dates. Food we should no longer buy and/or eat, medicine that will not have the same effect, coupons and special offers that will no longer be useful, and all sorts of policies such as auto, homeowners, and health insurance that will no longer be active after a specific date usually due to non payment. We are told when our many credit card, mortgage, and auto lease payments are due, library books are due back, reports and deadlines are due at work and school. All with nasty and often times severe consequences if not complied with. Then of course there are the follow-up reminders when those dates have passed. And if notices in the mail were not enough for us, we subject ourselves now to excessive reminders on email because we “signed up” for what we thought was an easier and less stressful way to take care of those little reminders in our daily lives. What were we thinking? Then we have the Expiration Dates of life. I mean REAL life. The dates when all the above ceases to matter at all. None of it. Life is so much more than those reminders above. Much more than payment dates and policy cancellations. But in these stressful economic times it is easy to forget that. For that we have the Due Dates of REAL life. The impending awe inspiring times as new life will come into this world and remind us how beautiful life is and always was. At Koslovsky Realty we listen carefully as the media projects on a daily basis when the slump will expire, when the economy will turn around. It is a cycle and will constantly turn around. You will not receive a notice in the mail or an email. Just call us or come in. No expiration dates for us. The time to buy is now. We are ready for you.
by
Susan Koslovsky

Last Sunday in the New York Times Real Estate Section there was an article about a couple with two children who owned a small apartment and needed to expand their abode. They tried to buy the apartment next door to them but because there had been so many setbacks, and the looming possibility of unforeseen assessments, they decided to forgo the purchase even when the deal seemed to be going forward. They opted instead to sell the apartment they currently owned and venture into the world of renting. There they were able to secure a 1400 square foot 3 bedroom apartment (large for New York City) for $5200.00 per month. They were happy to be in a much larger abode as their original apartment was less than 800 square feet. However, what they found was no sense of real permanence and almost a loss of belonging. You see when you rent as opposed to own there are no rights of ownership, and most times no ability to make home improvements if you so choose. There is no joining the Board to decide how the building is run and how the money will be spent. For some this is a blessing as they pay no real estate taxes, no maintenance, no insurance except their renters’ policy for personal belongings, no assessments, and of course, last but not least, no mortgage payments. Depending on the building and the type of apartment, renting can often times afford a tenant a much grander apartment to reside in than one could afford to purchase. So is there even an emotional side to renting vs. owning? Doesn’t is seem to be a decision that should be based solely on the financial factors involved such as mentioned above? When it comes to your home and where and how you live, there is everything emotional about it. Home is synonymous with belonging and security. Home ownership is a very emotional subject or else why would so many exhaust so much energy choosing the right place to live? Everyone needs to feel good about where they live regardless of owning or renting and how much you are spending. We at Koslovsky Realty can help you decide what the best choice is for you based on so many factors. We hold your hand every step of the way and guide you through the whole process. With us you’ll keep your emotions in check.
by
Susan Koslovsky

This past month was filled with many wonderful dinners, times spent with family and friends, and lots of holiday preparations. Rosh Hashanah kicked off the holiday season with Yom Kippur closing in ten days later. Sukkot came right after without a blink of an eye, and today, Simchat Torah, ends this holiday week as we celebrate the Torah. For more years than I can believe have passed, 33 to be exact, we have been active members of Beth Torah Benny Rok Campus. I don’t know if it was the good feelings about the holidays and the start of a new year, the delicious meals planned, or the excitement of two more grandchildren on the way, but I felt the year was off to a very special beginning. I took some time to reflect on all the years that had gone by and how much I always relied on Rabbi Max Lipschitz for religious guidance. I am not alone when I say his absence is greatly felt and he is sorely missed especially on these holidays. But, as I sat in the synagogue amongst my family, friends, and other congregates, I had the distinct pleasure of listening to several very moving sermons given by Rabbi Ed Farber and Rabbi Mario Rojzman. The messages of their topics were clear and very well expressed within the stories and deliveries of their careful chosen words. I am very grateful to have been present to hear and feel what you are supposed to when your spiritual leaders reach out and touch their congregates in the hope of making a difference in their lives. I walked away, as did many others, with a renewed warmth, vision, and spiritual direction for a good and positive outlook for the coming year. We often times forget much too quickly how precious each and every one of our lives is. Priceless. In any given moment it could all be gone. We need to find that special place within ourselves that is different for each and every one of us, where we value all we are and have, and refer to it often. Amidst so much economic turmoil, sickness, and every day stress that everyone has to face in their own personal lives, or the lives of their family and friends, how wonderful to be blessed with the wisdom, strength, and direction of these two extraordinary, spiritual religious leaders. Our synagogue and community are truly fortunate and I am very grateful. Thank you, Rabbis, for a great start to a new and promising year.
by
Susan Koslovsky