The rapid pace of appreciation and other negatives has made housing become very unaffordable. About one-third of home buyers can afford the median price of a house using the traditional down payment of 20 percent down.

We see a slowing in home-price appreciation. But some markets could see a significant decline.

In that case, the appreciation of the home builds equity in the property, instead of monthly principal payments, ... Of course, it's still a good idea to make principal reduction payments if the home is a long-term investment.

We are going to find the worst price corrections in the markets that have had the most explosive appreciation in the last three years. And guess what? Sarasota is one of the top five in the country.

They have an outstanding team. I wouldn't be surprised if they brought home a state championship.

Swimming is normal for me. I'm relaxed. I'm comfortable, and I know my surroundings. It's my home.