Trump Administration’s 2019 Budget Proposal; Employees’ Benefits & COLA Take a Major Hit in Pekin, IL

LOCAL RECORDS OFFICE – While the share of nation’s workers the federal government employed in 2017, equaled its lowest level ever recorded, new Bureau of Labor Statistics shows the level is too low for government to perform basic functions. And with alarms ringing over the rising costs in Pekin, Illinois could less us to fewer firefighters serving the community. With two firefighters down in the department due to retirements of last year, the union’s president, Tom Veatch explains, “It’s a safety concern. You know, not only for our taxpayers but our members too. We’re always here. We do our job 100 percent all the time. And we will never stop doing our job, no matter what.” However, the city has not filled those 2 positions and leaders are pointing at rising costs as they are looking towards a budget plan for the next fiscal year. The Local Records Office reviews how the 2019 budget proposal will impact federal jobs; employees’ benefits and the cost of living adjustments (COLA) will both a take a major hit.

“It might sound better to say ‘cuts’. We’re maintaining the employment levels in the proposed budget,” proposed Carson.

Carson described that the city faces 60 million in pension liabilities for the fire and police retirees and is the reason staffing levels in the proposed budget are under consideration.

“They offer great service to our residents. They’re going to continue to do a great job. I have confidence in their abilities. We’re not short staffing them,” expressed Carson.

Though, CBP has documented how, due to lack of personnel, basic governmental functions –ie. administrating the nation’s Social Security and even tax systems –are being performed inadequately.

Recently, Sens. Mitch McConnel, R-Ky., and Chuck Schumer, D-N.Y., recently announced they are closing a two-year budget deal, which lifts budget caps and would require appropriations committees to develop detailed plans within six weeks.

The 2019 Budget proposes a pay freeze; federal employees will take major compensation cuts

With the 2019 presidential budget in place to include a pay freeze for federal employees; with the administration’s intention to rely on a “pay for performance” basis rather than a standard pay increase on a schedule, the American Federation of Government Employees national president J. David Cox Sr. explains that “by stripping employees of their due process rights and firing those who reject his politics, President Trump is opening the door for rampant corruption, discrimination, and worker intimidation.”

With the 2019 budget proposal relying on employee compensation cuts and changes to reduction to the deficit by more than $70 billion by 2028, by mostly coming from reducing the government’s contributions to the retirement and health programs, and eliminating some programs, such as special retirement supplements and the Federal Employee Retirement System cost of living adjustments, the 2019 budget proposal estimates adjustments to will reduce the U.S. deficit by $192 million by 2021 and achieve a total reduction near $2.8 billion by 2028.

Similarly, this 2019 budget proposal estimates these changes to the federal retirement benefits will also reduce the deficit by nearly $2.6 billion in 2019 and adds up of more than $68 billion in reductions by 2028. And members will receive a 2.5% raise, according to the 2019 document.

Though the president is proposing a pay freeze for civilian employees next year, the Congress has multiple opportunities to suggest and pass laws otherwise.

New changes to the federal employee retirement benefits

-Increasing the employee contributions to retirement by 1% per year until it reaches 50% in the Federal Employment System (FERS) –phased out over a period of several years.

-Replacing the current high three average salary to calculate the retirement annuities with the five-year average salary baseline.

-Eliminating FERS annuity supplement for eligible employees retiring 2018 and beyond.

-Eliminating the cost-of-living adjustments (COLA) for current and future FERS employees

-Eliminating the FERS cost of living adjustments and reducing civil service costs (CSRS) and cost-of-living adjustments (COLA) by 0.5%

With the White House plans to indicate plans to propose a seismic shift in federal retirement systems in the future, as it could remove defined benefit pensions altogether, officials wrote that “the TSP is a particularly attractive benefit to young, mobile workers not intended to make a career of federal service.” And that “the budget, therefore, funds a study to explore the potential benefits, including the recruitment benefit, of creating a defined-contribution only annuity benefit for new federal workers, and those desiring to transfer out of the existing hybrid system.”

As the proposal would change other federal employee benefits and do away with the current leave system, which offers time off for regular leave, sick days and vacation, in favor of Paid Time Off would effectively reduce the number of leave workers receives each year.

Healthcare –Proposed changes to Federal Employees Health Benefits Program (FEHB)

The trump administration is recommending changes to the formula the currently directs towards the government’s contribution rate for the participants in the Federal Employees Health Benefits Program (FEHB).

With the budget contribution rate on an FEHB plan’s score from a performance assessment, the OPM rates all FEHBP carriers on all 19 health outcomes, quality, and efficiency standards.

The formula set under law determines a share the government and enrollee pay towards FEHBP premiums each year. The government pays 75% of participants’ premium up to a certain cap. The cap equals to 72% of the weighted average of the previous years’ premiums.

The Trump administration wants to alter the formula slightly, so the government would contribute more towards the employee’s health care depending on how well the specific FEHB plan performs under the OPM’s standards.

The Office of Management and Budget projects the government will contribute a range of 65-75%.

“Under the current structure, enrollees have few incentives to choose less expensive, higher value plans,” the budget cites. “This proposal would incentivize enrollees to select high-performing, high-value plans by making them more affordable. The proposal would also provide carriers with greater incentive to compete on price and quality, help driving down overall program costs.”

And according to the budget, this change to FEHB premium contributions would save over $2.7 billion in the next decade.

Annual leave –impacts paid time off and sick days

The 2019 proposal also suggests combining all leave into one “paid time off category.”

“This would reduce total leave days while adding a short-term disability insurance policy to protect employees who experience a serious medical situation,” according to the 2019 request.

And currently, the federal employees receive 10 paid holidays, 13 sick days and 13-to-26 vacation days, depending on the tenure.

  1. David Cox, the national president of AFGE, had told reporters that Trump’s budget is a significant threat to the federal employees’ livelihood, particularly following years of austerity during the Great Recession.

“Federal workers already make 5 percent less in inflation-adjusted terms than they did at the beginning of the decade,” Cox said. “If we don’t stop the pay freeze for 2019, they will have given up $246 billion in wages and benefits since 2011. No other group has lost more to deficit reduction than the federal workforce.”

And Tony Reardon, President of the National Treasury Employees Union described the budget in a statement as a “full-scale assault” on our federal civil service.

“This should alarm every member of Congress and all Americans,” Reardon said. “Weakening our civil service system and attacking the pay and benefits of federal workers will backfire and leave our country unable to tackle the complex issues we are facing.”

 

 

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Employment Wages Continue to be Stagnant as the Working Class Seeking Employment has Nearly Diminished in Pekin, Illinois

LOCAL RECORDS OFFICE – The top industries that stimulated Pekin, Illinois’ economy are diminishing industries that once stimulated the economic growth in Pekin, Illinois. With companies avoiding corporate taxes by outsourcing and avoiding paying for the employee wages and taxes here in America, the wage growth is continuing to diminish, which has resulted in fewer people in the seeking work. The Local Records Office reviews how the unemployment rates are merely hitting the tail end of the crisis our economy is in.

Service industries, manufacturing, exports, agriculture, and mining

Service industries contribute the largest dollar amount to the Pekin, Illinois economy, according to the Local Records Office. Leading the way of our community, business, and personal service sectors are: hotels, law firms, accounting firms, engineering powerhouses and private health-care providers generate a majority of the dollar share in Pekin, Illinois’ economy. And following close behind are Pekin, Illinois’ finance, insurance and real estate conglomerates, the Local Records Office said. Thirdly are the wholesalers and the retail industries from car dealerships, department stores to supermarkets.

75% of the U.S. economy gains its shares from the service sector. As it is well-known, American boosts more of the service industry and thus outsourcing forms a major part of their operations. Therefore, U.S. firms that rake off a sustainable GNP growth must bring a balanced dependency on each other, to bring improvement to productivity is the only mantra for a successfully growing economy.

Manufacturing is the second largest, in fact, Pekin, Illinois is known as a major manufacturing leader in the entire company, said the Local Records Office. While building machinery makes a huge portion, including the assembling of construction equipment, farm machinery, and machine tools. And the second largest is the processed foods sector. Primary food products being created in Illinois include baked goods, breakfast cereals, candy, sausage, and spices. Chemical manufacturing makes up the remainder with the production of pharmaceuticals, cleaning solutions, and paint.

Exports sustain thousands of Illinois businesses as a total of 23,252 companies exported from Illinois locations in 2014, 333,674 U.S. jobs supported by goods exports from Illinois in 2015 and 86% of these jobs were supported by manufactured goods exports. While Illinois depends on world markets, the exports from Illinois have helped contribute a total of $59.8 billion out of the $2.21 trillion of U.S. goods and services exports in 2016. And Peoria, being relatively close to Pekin has contributed to export a goods value of $9.8 billion which is a 13.6% share of the state’s exports.

Though, the controversial issue of free trade is moving businesses out of the country costing us to lose tax revenues from corporate profits and the workers, and puts people out of work, which put pressures on the government to raise taxes, borrow money, print money, and still add onto our growing debt, to eventually collapse.

As some question a policies aimed towards looking only at consumer prices and not seeing the bigger picture, as well as keeping American jobs in America, bringing back the jobs we have left, and creating an environment for people to start and continue to grow companies, as outsourcing has contributed to the scourge of unemployment and denies the worker a just wage and the security of the worker for his or her family. But at the same time, some see the factor of production as an alternative to achieve improved levels of efficiency.

In Pekin Illinois’ the 2018 Governor’s Export Awards Applications –are due by Friday, April 20th, at 4:00 Pm.

Company Application

Organization Application

To fill out the application, right click and save on your computer. If you’re having trouble downloading, please email Godfrey Angara at godfrey.angara@illinois.gov for an emailed copy.

Agriculture -as CAFOs hurt property values, contributes to pollution and other environmental problems, question the impact of the proposed facility on 40 houses and cabins within a two-mile radius of the proposed facility, and roads as well as nearby ponds.

Opponents also question whether the site complies with “setback” rules requiring facilities with 7,000 or more animals to be at least a half mile from an occupied residence and a mile from populated areas.

Johnson’s concern of the number of swine CAFOs in her home country also mentions how pigs are raised in CAFOs tightly confined crate-like pens.

The odors, gases, and particulates are said to rise nearby neighbor’s health issues and meanwhile, proponents are keeping up the increasing international demand for pork as farmers are updating their facilities and lead others to argue whether these facilities will be enhancing the local economy.

Coal mining is now more apart of Illinois’ history than the present, as coal production has decreased since the 1920s, with technology and natural gas being the two culprits for the industry’s decline and mining jobs dissipated after the Harsey’s mine shut down, and many workers were let go. The Local 1825 still comes together to celebrate the history of coal mining every year on April 1st.

Despite Chicago’s gains in employment and the declining unemployment rate across the state, the rest of the state of Illinois.

Springfield, Decatur, and Danville have experienced dips in the employment rates because more residents are unable to find a job.

Policies are pushing smaller businesses into paying higher taxes, while corporations are ‘beating the system’ by outsourcing and getting a corporate tax break

And policies are not helping the issues of forcing smaller businesses to pay some of the highest property taxes in the nation, the highest workers’ compensation costs in the region or raising the overall tax burden to fix Springfield’s spending problems.

Yet, a vast majority of these jobs have decreased their average weekly wages. And to determine whether wages have increase broadly and consistently, after adjusting for inflation, economists measure that wages were only 10% higher in 2017 than they were in 1973, with the annual real wage growth just below 0.2%.

So while corporations get a larger cut on their taxes and even a larger corporate tax break by from outsourcing, the companies start hiring more people and the continuation of inflation of prices rises only higher. And with more people employed and stimulating the economy buying from these large corporations, they continue to have a larger profit margin and become more powerful.

Reasons wages have lagged behind U.S. job growth

Diminishing wages is resulting in fewer people entering the labor force, and as Baby Boomers are retiring and Millenials start earning relatively lower salaries

Andre Chamberlain, the chief economist at the jobs and recruiting company Glassdoor has said even as unemployment fell to a 16-year low recently, the wage growth has slowed. As the Labor Departments’ numbers show wage growth averaging 2.5% in the last four months of last year’s peak at 2.9% in December. Though, Chamberlain says wage growth during this stage of economic recovery should be closer to 3.5%.

One theory is many young, inexperienced workers are entering the job force getting paid less and dragging the nations’ earning growth down as a whole.

Another factor the unemployment rate does not reflect is the people ages 25-54 –the prime working ages – are the ones’ not looking for a job, but might if the condition is right, Chamberlain says.

Replacing workers with technology will reduce costs in the long run, as workers lose out on employment. And while opposing views of whether or not the technological advances are economically significant or simply, are a better alternative for companies to increase productivity. The overall impact of job losses has slowed those looking for work under the right circumstances and the overall wage growth has gotten worse for those who are entering the labor force.

So as people justify that the economy has improved, due to the lower numbers of unemployment rates and the amount of 1.5 million entering the labor force, economists at the Federal Reserve Bank of San Francisco have recently argued that people entering the labor force are earning relatively lower salaries.

Consider These Architectural Home Designs in Pekin, Illinois to Brighten Up Your Next Home

LOCAL RECORDS OFFICE – While you may be either building a completely new home or searching for your next home, it is one of the most exciting times and is important to start looking for your ideal home design. As we are growing out of modern architecture, you may be wondering if building a ‘fad’ for your newer structure really worth it? Tiny houses have been the big craze for many families looking to downsize and still be able to access an adequate amount of surrounding land, but will it still be a popular choice for potential homeowners in 20 to 30 years?

Either way, looking into styles of homes that fits both you and your family needs and wants is your main objective. And here are the few ideal architectural home designs that are both popular and offer significant features with each having its own unique style. This can be overwhelming, as there are many different housing designs, so I put this list in alphabetical order, in case you already know what design you are looking for.

Acadian

These house plans share the ideal Country French architecture and are found in Louisiana and across the American southeast, maritime Canadian areas, and exhibit the Louisiana and Cajun influences. Rooms are arranged on either side of a central hallway and the kitchen is in the back. And these stylized homes typically feature a steep, sloping roof with gables that shed snow and moisture effectively.

Adobe

Is a regional architectural style that draws inspiration from the Pueblo and Spanish Missions located in New Mexico, and typically are made with stucco and have a flat roof with rounded edges. These decorative features often found in this style home include wooden beams projecting from the roof line, hand-hewn lintels inset above deep window openings and walls that slope inward.

A-Frames

The popular style A-Frames have come back into style and are great for that cozy, ‘cabin look’ and most offer acres of land surrounding rivers, a lake or a body of water. And they are well-underpriced for what they have to offer. The A-frame is shaped like an equilateral triangle and its distinctive peak is formed by rafters or trusses that are held together at the top and bolted to the floor joists or plates down below. And the cross-piece of the A is created with horizontal collar beams to stabilize the structure and typically supports a sleeping loft.

A-frames meet the earth on the rubble of cinderblock walls, concrete or even wood columns, but their essential nature is for them to float slightly above their natural environment, with a viewing platform for an expanse of nature.

Beach

These houses are often raised houses suitable for shoreline sites and are adaptable for vacation homes near water or mountain areas. The Tidewater house is typical and features the wide porches, and are constructed of wood with the main living are raised one level.

Bungalow

These house plans are common to Craftsman, Rustic and Cottage home designs. These typical home designs have a great porch for your rocker and are typically one-level with over-hanging eaves as some of the most classic features.

Cape Cod

This small, symmetrical style is typically 1 ½ stories, and typically people will add on additions behind or on the sides to increase the square footage. These first Cape Cod homes were also built in the 1600s and were inspired by Britain’s thatched cottages, but with steeper roofs and larger chimneys to withstand the cold Northeastern winters. New builds in this style are rare, says Rob Brennan, principal at the Brennan + Company Architects in Ellicott City, Maryland.

Carriage

Get their name from the outbuildings of large manors whereas owners store their carriages. Today, the carriage house generally is in reference to the detached garage with living space above them.

Colonial Revival

Has a symmetrical look and floor plan and has been a popular style throughout 19th and 20th centuries. These are typically two to three story house plans with symmetrical façade and gable roofs and often are expressed in temple-like entrances with porticos topped with pediments. Multi-pane, double-hung windows with shutters, dormers, and paneled doors with sidelights, topped with rectangular transoms or fanlights, and include entry-hall floor plans, fireplaces and simple, classical detailing.

Contemporary

Offers today’s building appearances, and can vary in design. The most common characteristic is clean lines, large windows devoid a decorative trim, and with the focus towards function. It is comparable to connecting the indoors with the outdoors by emphasizing energy efficiency, sustainable materials, with large, floor-to-ceiling windows offering lots of natural light and uses recyclable non-toxic materials. The exterior is a mixture of siding, stucco, stone, brick, and wood. The roof is either flat or shallow pitched, and often with great overhangs.

Cottage

This smaller design is a storybook charm that will fit near a lake or in a mountain setting. These are sometimes also referred to as bungalows.

Country

As are one of the most popular styles, these styled house plans embrace the wraparound porch and have a gabled roof. And they are offered most commonly in either one or two stories high.

The French County style is rooted in the rural French countryside and includes the modest farmhouse designs and estate-like chateaus. This style exudes warmth and comfortable design elements such as curved arches, soft lines, and stonework. The inside has wooden beams, plaster walls and stone floors as the most common thematic features.

The Low Country house plans are suited for coastal areas and the coastal plains of the Carolinas and Georgia. Typically, they are elevated and have welcoming porches to enjoy the outdoors in the shade.

Craftsman

The Craftsman displays honesty and simplicity of a truly American house. These homes emphasize natural materials –wood, brick, and stone with wide porches and low-pitched, gabled roofs (often hipped) with exposed rafters. The porches are either full or partial width, with tapered columns, and or pedestals that extend to the ground level. The interior’s open floor plan features built-in furniture, big fireplaces, and exposed beams.

Dutch Colonial

A Dutch Colonial is similar to Colonial-style and it most recognized for its gambrel roof and has a shallower pitch with must steeper sides –a look most commonly used on barns. Dormers are where second-story windows pop out of the façade and are also a more common feature of Dutch colonial homes.

European

These houses have typically steep roofs, subtly flared curves at the eaves and faced with either stucco or stone. The roof comes down to the windows and the second floor is often the roof, or as we know it, the attic.

Farmhouse

Reflects the American simpler era when families gathered in an open kitchen and a living room. This version of a country home style usually has bedrooms clustered together and features the friendly porches. The lines are simple and often faced with wood siding.

Federal

The Federal-style became popular during America’s first decades as a nation in the late 18th century and 19th centuries. These homes tend to be symmetrical with tall windows. The Federal homes were originally built in a similar box shape, and it is common to see in additions to the side or expanded depth.

Florida

A Florida house plan embraces elements of several styles that allow comfort during the heat of the day. This Mediterranean house with its shallow, sloping tile roof and verandas is faced with wood and has one or more porches, verandas, and windows to allow a breeze to flow freely throughout.

Georgian

These home plans characterize with proportion and balance and typically have square symmetrical shapes with paneled doors centered on the front façade. The paired chimneys are a common feature of added symmetry. The common building materials use stone with red, tan or white being the most frequently used colors.

Hill Country

This Texas Hill Country style is a regional historical style with roots in European immigrants that settled the area, with available white limestone and later brown sandstone that were used with the local cedar to construct these well-crafted and attractive homes. During the settlers’ movement and due to these lean times, the result of these homes is simple and has an authentic style with modern elegance.

Log Home

Log Homes originally were small cabins in the 1600s and were built as one room using no nails, sort of like the same concept of when we were kids building our own homes with the logs. Now, they are built as functional and large luxurious getaways. These log homes are ideally found in a rural setting. The climate of the surrounding area will dictate the type of wood you should use to build the home. And can be handcrafted or milled (built of manufactured wood).

Mediterranean

This is usually a one-story home design with shallow roofs that slope, with a wide overhang to provide shade in warmer climates. The courtyards and open arches allow for breezes to flow through freely the house and verandas. There are typically open, big windows throughout and the verandas can be found on the 2nd floor. The exterior is stucco and the roofs made with tile, making these great vacation homes in southern latitudes.

Modern

Features glass, steel, and concrete. The open floor plans are a signature characteristic and from the street, they are dramatic to behold. And even though there is some overlap to the contemporary house plans, they are two different looks.

Mountain

Mountain home designs commonly feature huge windows and large decks with rugged exteriors and exposed wood beams. These prow-shaped great rooms are quite common. There is some crossover to vacation home plans.

Neoclassical

From Greek and Roman architecture for inspiration, the Neoclassical design embraces large columns and smooth surfaces. Some of the well-known homes in the U.S with the Neoclassical design, include the White House and Thomas Jefferson’s home, Monticello.

Northwest

Designed by architects from the Northwest, this home is simple in design, devoid the excessive exterior details and it is mostly made of wood. The roof usually is medium to low-pitched with deep overhangs. Windows being large can bring light into the interiors.

Plantation

The plantation home plans are typically boasted with white pillars, a symmetrical shape and sprawling porches mostly associated with the South, though, found all over the country. The grand scale features are spacious and suggest the charm and genteel lifestyle of the South.

Prairie

The prairie style home plans came around the turn of the 20th century and are often associated with one of the giants in design. With seeping horizontal lines and wide open floor plans, the common features of this style include overhanging eaves, rows of small windows and one-story projection, and in many cases, a central chimney.

Ranch

Is also known as “rambler” for the way the rooms spread out over only one level, but it also becomes a raised ranch or a split level with room for expansion. These styles became popular in the 1950s and had inspiration from Frank Lloyd Wright’s Prairie style, says Brennan. The asymmetrical shapes are common with the low-pitched roofs and a built-in garage. And the exterior is faced with either wood or bricks or has a combination of both.

Shingle Style

Shingle style house plans were born in England and popular throughout the West Coast, they are informal and highly imaginative –a summer style “cottage” often built for the wealthier clients. This architecture of an American summer is known for their casual style with their ability to blend into their surroundings, with wooden shakes in natural colors. The wide porches are fairly common and are an invitation to spend more time outdoors in the sun.

Spanish Colonial Revival

These Spanish styles are easily recognizable by the terracotta tiles roof that is perfect for warmer climates, and stucco or adobe walls, and arched windows and doors that complete the look.

Split level

Its variation of the ranch but has more of an up and down feel as you walk through. Essentially is a ranch house with a garage stuck underneath it. The short staircases lead up and down to different levels and to rooms throughout.

Traditional

This being one of the most common styles in the U.S. is a mix of classic, simple designs that commonly features little ornamentation, simple rooflines, and symmetrically spaced windows. The building materials are in either wood or brick.

Tudor Revival

The Tudor Revival homes only use timber cosmetically and are easily recognized by its steep-pitched roof and a framing of typically half brick or half-timber with stucco. Often, is misrepresented as the Tudor which refers to the English architectural style in the 16th century.

Tuscan

These house plans combine modern elements with a classic Italian design and resulting in an attractive Old World European charm. Though similar to Mediterranean house plans, the Tuscan designs typically feature stucco exteriors and stone accents, terracotta roof tiles, narrow, tall windows with shutters and enclosed courtyards. Additionally, this style often features decorative ceilings and wooden beams.

Vacation

Vacation home plans have central, open living spaces and with few or many bedrooms to suit a couple or a family with lots of friends.

Victorian

Is best marked with its steep roof, asymmetrical facade and elaborately crafted trim on overhangs and roof lines, giving it a ‘gingerbread house’ look. San Francisco’s Painted Ladies are a prime example of the Victorian and Edwardian architecture in the U.S.

 

 

3 Considerations for Buying Real Estate – Local Records Office

Local Records Office – PEKIN, IL: Buying your first home can be a challenging job. In fact, it could be so much daunting a task that most people simply fall for the first affordable house that comes their way or find it better to remain at the rented home says, Local Records Office. However, if you know a few basic rules to buying real estate, the difficulty in finding a house would soon vanish.

READ MORE: Local Records Office Highlights Considerations Homebuyers Should Make Before Starting a House Hunt

Here are three most important things to consider when buying a home, whether you are purchasing for the first time or not.

  1. Affordability

Local Records Office says, “Almost every homebuyer has affordability as the number one consideration when choosing real estate”. If you don’t have a larger budget, avoid checking newer developments. Relatively, they are going to be far more expensive.

When considering the overall budget, there are a number of things that need to be added up. This includes the mortgage payment, taxes and insurance. If the location is in a city where your house is not serviced for garbage, water and sewer, it would again be your own expense.

READ MORE: How To Reduce Home-Buying Stress

In addition, you must also include the future costs, especially any repairs or new additions that could be required in the next five years says, Local Records Office. This could include repainting, siding, roof repair, electrical system update, heating system update, basement refinishing, reworking or re-carpeting the floors, updating cabinetry and appliances in the kitchen, or the bathroom.

  1. Location

Local Records Office says, “Once you have determined the amount of money you can spend on the real estate, the next factor is location”. Usually, buyers would already know which city or town they want to live in with their family. Choose a location, based on the features of a place and your own knowledge. Some of the most important factors that need to be considered when choosing a location include the schools, health care facilities, parks, markets or malls and most notably crime statistics. The place must offer quality living standards for your family.

Commuting distance is also a major factor. The distance to the work place shouldn’t be beyond an hour away. There are many advantages of choosing an urban location. Mostly, you would be closer to your work place. Schools, restaurants and stores are within walking distance. However, such a location is going to be expensive and could have higher road traffic and noise says, Local Records Office.

If you consider buying real estate on the streets, most likely the property is going to be cheaper by thousands of dollars. However, before making a decision for such a location, drive by a few times at different times of the day and week. Choose a location that is less noisy.

  1. Home Type

The third most important consideration is the type of home itself. Single-family homes appreciate well over time says, Local Records Office. They offer more privacy, they are quieter and you could work out a splendid garden. However, such property is costlier than condos and townhouses.

A condo is a cheaper real estate compared to a single-family home. Because they are usually newer, there is no need to spend much on repairs. There is no exterior, which would again mean lesser maintenance.

To learn more about real estate and Local Records Office go to www.LocalRecordsOffices.com

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