Countries the U.S. Government says are not safe

Based on a Global Peace Index score (with the higher the number being less safe) in 2022, the World Population Review lists the 20 most dangerous countries to visit in the world to be:

  1. Afghanistan — 3.554
  2. Yemen — 3.394
  3. Syria — 3.356
  4. Russia — 3.275
  5. South Sudan — 3.184
  6. DR Congo — 3.166
  7. Iraq — 3.157
  8. Somalia — 3.125
  9. Central African Republic — 3.021
  10. Sudan — 3.007
  11. Ukraine — 2.971
  12. North Korea — 2.942
  13. Libya — 2.930
  14. Mali — 2.911
  15. Ethiopia — 2.806
  16. Venezuela — 2.798
  17. Pakistan — 2.789
  18. Burkina Faso — 2.786
  19. Turkey — 2.785
  20. Colombia — 2.729

Many of these countries are on the U.S. State Department’s list of the top 19 countries that are considered to be unsafe for Americans to travel to at this time (Balevic, 2023). However, the U.S. State Department’s list of the top 19 most unsafe countries also includes Haiti, Ukraine, Iran, Burma (Myanmar), and Belarus.

See the references below for more information.


References

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April is Fair Housing Month

So what is Fair Housing?

In simple terms, it is NOT discriminating in the sale or rent of housing (or financing and appraisals) because of race, religion, sexual orientation, disability, or national origin.

Unfortunately, it has been necessary over the years in the United States for laws to be passed at the federal level and in the states to get to where we are today in ellimination of discrimination practices in the country. I say “unfortunately” because it is a sad fact that it has been a fight since the United States became a country for diverse populations to NOT be given the same rights as White Caucasians.

I still remember Florida (where I was born and raised) in the 1950s and 1960s, there were Black neighborhoods and separate White neighborhoods. As late as in the 1960s, Black people had to ride on the back of the city buses in Jacksonville, Florida….and Black people could not go into stores and restaurants there either as late as in the 1960s. That is a whole other story!

Things are so much better now because of laws and because of mandated intergration in schools that started in the late 1960s. I am 70. People who are my age and older growing up in the south did not go to integrated schools. I never had a conversation with a Black person until I started attending college in the early 1970s. Busing children had started around 1968 in Jacksonville to integrate the schools. For integration of schools to happen, busing was necessary because neighborhoods were not integrated. There were Black neighborhoods and White neighborhoods.

It has only been about 50 years that anyone at all has reached adulthood (which I define as around 18 years old) in a lot of the United States who has NOT experienced living in segregated neighborhoods and going to segregated schools. Today, there are still some neighborhoods that people will refer to by race, but today, it is against the law to prohibit anyone of any race, religion, sexual orientation, disability, or national origin from living anywhere they choose to live that they can afford to live. Today MONEY is the discriminating factor that excludes people……MONEY is another story.

Personally, I believe discrimination in any format is WRONG! I have been licensed to sell real estate since July 2000. Over the years, I have refused listing properties for sellers who told me that they would not sell to anyone of a certain race…. That is a BIG red flag for me! I will not do it!

There are still people who are racist out there, and I will not work for them! It is WRONG!

So we still need the laws!

As a society, we still have work to do!

April’s FAIR HOUSING MONTH is a good time to learn about different cultures and to make friends with people who are of different races, religions, sexual orientations, national origins, and with people who have handicaps and/or disabilities.

The federal Fair Housing Act was signed into law in 1968. See the printable flyer below.

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Land 4 Sale – Interlachen, Florida…some under $5,000

Land 4 sale in Interlachen, Florida

One of the places that you can still buy land that is not in a flood zone and is still under $5,000 is Interlachen, Florida. The town is centrally located in northeast Florida within a commute of 45 to 75 minutes to Jacksonville, St. Augustine, Ocala, Lake City, and Gainesville.

Like everywhere, you need to be careful about what you buy when you buy land in Interlachen by checking out the zoning rules to determine if the land is suitable for your desired use. Those parcels of land that are priced under $5,000 might not be buildable because the parcel of land is not large enough.

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Update on my REALTOR status

I have closed Kelly Property Expert, Inc., my own company where I worked full-time from 2017-2022.

I am now working under the name of Mary Kelly MBA, my new company, as a REALTOR® and a licensed real estate broker.

My new website is https://marykelly.co. However, you may have gotten here from https://kellypropertyexpert.com or https://marykellymba.com because th0se domain names get you to the same website.

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Mortgage rates up – what does that mean?

interest rates cost more in dollars to consumers

Mortgage rates have gone up again.

(See Here Are Today’s Mortgage Rates on March 3, 2023: Rates Tick Up written by Justin Jaffe (CNET) at https://www.cnet.com/personal-finance/mortgages/here-are-todays-mortgage-rates-on-march-3-2023-rates-tick-up/).

Normally when mortgage interest rates go up, home prices decline. However, right now we are not seeing much movement downward in home prices. So what does this mean?

It all depends on who is answering this question.

To digress a little, a lot it depends on the location. Real estate has always been about location, location, location. That has not changed, and it will probably never change. What has been, and has always been, in the location is that a good location at any given time period may not remain a good location especially for lower priced homes. The way I describe the relationships between the locations and prices phenomena is that as locations go, what is good today might be bad tomorrow and what is bad today might become good tomorrow.

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3 Reasons Why You Should Get Pre-Approved for a mortgage first before you shop for a home to buy

Flyer by Georgia REALTORS® may be downloaded and printed

If you are pre-approved for a mortgage when you plan to finance the purchase of a home, you have a better chance of a seller accepting an offer to buy a home. Having a pre-approval is the next best thing to coming in with a cash offer.

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Home buying contract contingencies (real estate)

Contingencies are provisions that must be met for the home sale transaction to go through, or the buyer is entitled to walk away from the deal with their earnest money. Both buyers and seller should understand how contingencies work. Here are five of the most common contingencies: Home inspection, appraisal, financing, sale of current home, & title. See pdf file embedded below, which can be printed. (Published by Georgia REALTORS.)

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Florida’s Property Insurance Rates

“The report notes one of the big historical problems in Florida: In 2021, Florida had 6.91% of all U.S. insurance claims in the U.S. – but three out of four property insurance lawsuits (76%) were in Florida (from Fla. Releases County-by-County Property Ins. Report, Florida REALTORS® website at https://www.floridarealtors.org/news-media/news-articles/2023/01/fla-releases-county-county-property-ins-report?utm_campaign=1-12-23+Florida+Realtors+News&utm_source=iPost&utm_medium=email).”

The combination of lawsuits, hurricanes, and the rising prices of homes over the past couple of years is a perfect storm for higher property insurance rates in Florida. That is what happened back in 2005-2006 as Florida was plagued with hurricanes and rising home prices, and both the hurricanes and rising prices of 2022 make for a much worse financial burden on Florida insurance companies now.

Insurance companies are not in business to lose money; they are in business to make a profit. So they must pass on the cost of doing business to the consumer – or to the government for bail outs which will actually in the long run be a cost to the consumer in the form of higher taxes. I could be wrong, but historically, that is what happens…..

Florida’s real estate market is certainly a state to watch in 2023-2024!

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Home sales in Ware County, Georgia in 2022

I compiled this report from information taken taken from qpublic.net, which is where Ware County Property Appraiser posts all of Ware County, Georgia, property sales information for public viewing. The file embedded below (which you can download) shows only the homes on land properties that were sold in Ware County in 2022. It does not include sales of land only and commercial property.

If you would like more information on any property sales in Ware County, Georgia, or the surrounding areas in Georgia, just ask. I can be reached via the Contact page on this website.

Mary Kelly, MBA
Licensed Real Estate Broker (Florida & Georgia)
Real Estate Sales & Research Consultant
KELLY PROPERTY EXPERT, INC
.

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Florida – unaffordability & foreclosures

See the video: Foreclosure WAVE in Florida Getting BAD

I have been saying over the past year (in 2022) that I was feeling like I was back in 2005 selling real estate. Back then, prices were going up by the week in Florida, and there were more buyers than there were properties on the market for sale.

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COVID and the world’s economy – TODAY

COVID is still alive and well! And unfortunately, too many people are still not seriously taking precautions in this pandemic which has NEVER gone away.

We are one world today! No country can live as an island, and I do not believe the day will come that any one country will survive without other countries. COVID is surging in China, and it is said that nearly 5,000 people are dying every day there right now. The emergency rooms are filled. This is going to hurt our economy in the U.S. and in other nations. And no one should fool themselves and think COVID cases are not going to rise here in the U.S. and in other nations. More people will be dying of COVID!

Everyone around the world needs to take more precautions…. I am saying this knowing that some countries may not be able to take more precautions because vaccines, protective equipment, and even food and medicine are not easily available….But in the United States of America, there are no valid excuses for people here not taking precautions!

Dr. Roger Seheult, MD of MedCram, can explain this better to you than I can. In this video, he examines the BF.7 COVID surge in China.

See all Dr. Seheult’s videos at: https://www.medcram.com (This video was recorded on December 27, 2022) Roger Seheult, MD is the co-founder and lead professor at https://www.medcram.com He is Board Certified in Internal Medicine, Pulmonary Disease, Critical Care, and Sleep Medicine and an Associate Professor at the University of California, Riverside School of Medicine.

Covid video by Dr. Roger Seheult, MD of MedCram
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Politics & Real Estate come together….

DECEMBER 29, 2022

What Does the U.S. 2023 Appropriations Bill Do for RE?

By Kerry Smith

The $1.7T spending bill that funds the federal government through Sept. covers a number of RE priorities, such as buyer assistance, fair housing and flood insurance.

https://www.floridarealtors.org/news-media/news-articles/2022/12/what-does-us-2023-appropriations-bill-do-re

This article covers in a pdf file all the things that this spending bill does for the real estate market to help people. Check it out here.

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Scams hit real estate…Sellers & Landlords need to know this….

DECEMBER 1, 2022

Fake Sellers, Fake Landlords: What’s Real Anymore?

By Meredith Caruso

“The advice for anyone you meet in real estate? Trust but verify – which means don’t fully trust anyone who isn’t your mother. Scammers continually find new ways to separate you, your buyer or your seller from their money.”

https://www.floridarealtors.org/news-media/news-articles/2022/12/fake-sellers-fake-landlords-whats-real-anymore

If you are thinking of selling your home, you really need to read this article…. and think about it before you decide you decide to put yourself out there to go it alone without the help of a REALTOR®.

I am a full-service REALTOR®, but I also provide consulting services to sellers who want to sell BUY OWNER and to buyers who are interested in buying a home listed for sale BUY OWNER. Call me at 912.387.9922, and please leave a message if your call goes into my message center for screening (out spam) so I can return your call.

Mary Kelly, MBA – Licensed in Florida & Georgia
Real Estate Sales & Research/Writing Consultant
KELLY PROPERTY EXPERT, INC.
Waycross, Georgia

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Jacksonville, Florida’s St. John’s River 1921 (bits-n-pieces)

This is a copy of a picture I have that was taken on July 15, 1921. I is labeled “Opening St. John’s River Bridge, July 15, 1921, Jacksonville, Fla.”

Opening of St. John’s River Bridge – Jacksonville, Florida

And this is a copy of a picture I have of the St. John’s River in Jacksonville, Florida, that was taken sometime between 2000 and 2010.

St. John’s River in Jacksonville, Florida (picture date between 2000 – 2010)
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Review: Edward Jones “Protect financial accounts…” (internet-security)

Review: Edward Jones Protect Financial accounts from “cyberthieves” {Jones, E. (2022, December 28). Protect financial accounts from “cyberthieves”. Waycross Journal-Herald, pp. 5–5. Reported by John Pfaff in Financial Focus. John Plaff, Financial Advisor, Edward Jones, 608 Jane St., Waycross, Georgia, 912.285.0009.}

What a timely article! “Cybercrime is booming.” And this article addresses that fact and gives some very concrete, wise suggestions on what you can do to protect yourself from being a victim of “cybercrime” (or scams, which is what this type of this criminal activity is usually called).

It is pointed out in this article that “in 2021, the FBI reported that cybercriminals scammed nearly $7 billion from Americans – a figure higher than the gross domestic product (GDP) of Switerzerland for that year, according to a research organization World Economics.”

Suggestions made are for us to:

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Internet scams

by Mary Kelly

Please be careful!

Spams, scams, and hacks are on the rise. And if you are an older adult (and more so if you can be identified as being single or a widow/widower), you are a target!

See the sources cited here for more info.

Copyright © 2022 by Mary Kelly, MBA. Waycross, Georgia (U.S.A.)

https://marykelly.co/internet-scams/

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Emerging trends in real estate markets (residential-markets)

So what are the predictions in the real estate market as we enter 2023?

Emerging trends are in part just the opinions of the authors. However, trends are determined by recent market activity and what history tells us that recent market activity leads to. The so called emerging trends are not the opinions of Mary Kelly of Kelly Property Expert. The posted resource below is the result of research done by Mary Kelly.

Copyright © 2022 by Mary Kelly, MBA. Waycross, Georgia (U.S.A.)

https://marykelly.co/emerging-trends-in-real-estate-markets/

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Commercial Real Estate Market (commercial-markets)

The commercial real estate market is not the same as the home sales market. In fact, when commercial properties are listed, the listings are not normally marketed in the same manner or on the same internet sites where homes are listed.

Links to resources are listed below that will take you away from the Kelly Property Expert, Inc., website. These links are provided as a resource to help guide you to sites that report specifically on the commercial real estate market.

  • The National Association of REALTORS® (NAR) publish Commercial Real Estate Metro Market Reports periodically. Check out the most recent reports here (https://www.nar.realtor/research-and-statistics/research-reports/commercial-real-estate-metro-market-reports).
  • The Commercial Market Insights Report provides in-depth analysis and market insights on the commercial real estate market. Generally, its focus on multi-family, office, industrial, and retail properties. It is published by the The National Association of REALTORS® (NAR). Check out the most recent reports here.
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Are you there? (internet-security)

Have you ever received a phone call and heard the caller say right up front, “Are you there?” I bet you have. And I bet you said “Yes.”

I heard of a new scam. The caller gets you to answer the phone, and the caller asks that question, “Are you there?” The scammer records your “Yes” and edits the recording to show that you said “Yes” to a question giving your permission to something that gives the scammer permission to take funds from one of your accounts.

The scammer, of course, will need to have your account numbers and some other info maybe, but that is easy enough for the scammer to get before he/she even calls you. The scammer doesn’t always attack your account(s) immediately. Sometimes, the scammer is patient and will wait and maybe hit you months later. So you can never let down your guard.

Sad to say…..but scams and hacks are on the rise….and your cell phone and the internet may make you vulnerable to attacks.

Copyright © 2022 by Mary Kelly, MBA. Waycross, Georgia (U.S.A.)

https://marykelly.co/are-you-there-internet-security/

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Relaxing activities to recharge yourself (bits-n-pieces)

Activities that will relax and take your mind off of anything that might be causing you stress or just preventing you from relaxing will be activities that only you can determine. “Activities” to relax…..Really? Yes, activity is a stress buster….but whatever the activity is for you, it must be something you like to do for it to be relaxing…..No one can decide what that is but you….

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