FHA Loans Insurance Premium Cuts, Cancelled

Things are changing in Washington DC with President Donald Trump being sworn into office last Friday.  One of the first executive actions taken by the new President was in regards to Federal Housing Administration (FHA) loan insurance premiums.

The scheduled rate cut were set to take effect on January 27 and would have amounted to reducing FHA-loan insurance fees (MIP fees) from .85% of loan amount to .60% of loan amount.  Democratic Senate Minority Leader Chuck Schumer took to Twitter in criticism of the policy, saying it would have saved home buyers as much as $500 per year.

So why did the Trump Administration take action?  The argument is based around concerned related to events that happened with the real estate collapse of the mid-2000s.  FHA loans already allow for small down payments (as low as 3.5%) and credit scores as low as 580; meaning that FHA borrowers are more likely to have less stable financial history.  The main concern is that these riskier borrowers are more likely to default on their loans and that cost would fall back on the FHA (i.e. taxpayers).

What does this mean for you?  Well, if you are currently paying these monthly fees on your loan, your rate will remain the same.  Since the cut has not gone into effect, your payments will not change, for the time being. President Trump has selected Ben Carson as his Secretary of Housing and Urban Development, but Carson has yet to be confirmed for the position. Carson did signal, however, that when he assumes his new role, they will reevaluate the policy.

This action is not likely to have much impact on the housing market, but it is interesting to note that the real estate industry has been in the spotlight, day one of the new Administration.

Written by Brian Koss of Team Koss, Real Estate Agents at Keller Williams Classic in Orlando.  Please follow us on Facebook, Instagram, Twitter and YouTube.

West Orange Continues to Grow in 2017

orlandohealth
Photo courtesy of Orlando Health (Ocoee)

Metropolitan Orlando led the nation in percentage job growth in 2016 and as a result, home sales are doing well.  One of the areas where the growth is most noticeable is West Orange County.  Healthcare facilities, new schools and new home construction are all part of the West Orange boom that will continue steadily into 2017.

Here’s a few highlights of major projects happening:

  • Healthcare:  Orlando Health recently completed Health Central Hospital in Ocoee is expanding in Horizons West and Dr. Phillips.  Florida Hospital will continue to expand it’s new Winter Garden campus.
  • Education:  In response to the explosion of growth and families moving into West Orange, the new Windermere High School will welcome it’s first 1,800 students in Fall 2017.  The newly named Windermere Wolverines are in the process of adding programs, administration, holding PTSO elections and building a new community for the students and parents it serves.
  • Housing / Development:  The Hamlin community (Horizons West) is developing it’s Town Center, offering new retail and entertainment options of residents and locals on the shores Lake Hancock.

Of course, the steady growth of West Orange presents it’s own set of challenges for residents, municipalities and lawmakers.  It will be exciting to see how things progress over the course of the next year. West Orange communities also offer residents close proximity Orlando’s main theme park attractions; Disney World, Universal Studios and Sea World. Check out our Team Koss video on Dr. Phillips, Windermere and Winter Garden for more details on the area.

If you are involved in the business community, we also strongly recommend joining the award winning West Orange Chamber of Commerce, now celebrating it’s 45th Anniversary.

Written by Brian Koss of Team Koss, Real Estate Agents at Keller Williams Classic in Orlando.  Please follow us on Facebook, Instagram, Twitter and YouTube.

Awful Weatherman Returns!

He’s back folks!  Remember the viral internet sensation the Awful Weatherman?  Well, Louis Badalament has been living here in the Orlando area and he’s given us another broadcast of the local weather that will not disappoint.

Don’t forget your umbrella!

 

Written by Brian Koss of Team Koss, Real Estate Agents at Keller Williams Classic in Orlando.  Please follow us on Facebook, Instagram, Twitter and YouTube.

January 2017 Events in Orlando

Mark your calendar…Below is a schedule of some great upcoming Orlando events January 2017!   

Winter Music Series

January 07, 2017 – January 28, 2017

Location: Lakeridge Winery & Vineyards, Clermont, FL

LINK: CLICK 

Description: Each Saturday afternoon during the month of January, Lakeridge Winery holds its famous Music Series, featuring live bands on the outdoor stage. The musicians selected are all fantastic performers, hand-picked from the wealth of talent located throughout Central Florida. Lakeridge wine, beer, soft drinks and a variety of food is available for purchase, along with complimentary Winery tours and tasting.

MLK Jazz and Blues Cookout

January 7, 2017

Location: John H. Jackson Center 1002 Carter St., Orlando

LINK: CLICK  

Description: Join Commissioner Regina I. Hill of District 5, Drop D No Limits Foundation and the Downtown Development Board Saturday, January 7 at 10:00 a.m. for the 4th annual MLK Jazz & Blues Cookout at the John H. Jackson Center. 

Wicked (Musical)

January 11, 2017 – January 29, 2017

Location: Dr. Phillips Center – Walt Disney Theater

LINK: CLICK 

Description: Back by popular demand! Variety calls Wicked “a cultural phenomenon,” and it continues to break box office records and sell out in record time. Winner of over 100 international awards, including a Grammy and three Tony Awards, Wicked is “Broadway’s biggest blockbuster” (The New York Times). Long before that girl from Kansas arrives in Munchkinland, two girls meet in the land of Oz. One—born with emerald green skin—is smart, fiery and misunderstood. The other is beautiful, ambitious and very popular. How these two grow to become the Wicked Witch of the West and Glinda the Good makes for “the most complete — and completely satisfying — new musical in a long time” (USA Today).

Ringling Bros. And Barnum & Bailey Presents Circus Xtreme

January 12, 2017 – January 16, 2017

Location: Orlando’s Amway Center

LINK: CLICK 

Description: Features artists who redefine the word extreme in everything they do, magnifying traditional elements of the circus and combining them with never-before-seen spectacles, original fast-paced performances and incredibly hilarious moments.  The multi-year tour offers extreme thrills, exotic animals and extraordinary performers that add up to the ultimate family entertainment experience.

Dinosaur Invasion at Leu Gardens

January 13, 2017 – April 30, 2017

Location: Harry P. Leu Gardens

LINK: CLICK 

Description: Discover what life was like millions of years ago when dinosaurs roamed the earth!  This one-of-kind, outdoor exhibit features life-like prehistoric creatures throughout the 50-acre botanic garden.  Creator Guy Darrough, an accomplished fossil expert and collector, meticulously crafts each dinosaur carefully for authenticity.  The beauty and scientific replicas range in size from 14 inches to a massive 33 feet.

12th Annual Otronicon

January 13, 2017 – January 19, 2017

Location: Orlando Science Center

LINK: CLICK

Description: Experience the latest, greatest and retro favorites at Otronicon. A spectacular display of interactive technology, games and simulation. Whether you are in the tech industry or just have a passion for learning, Otronicon engages guests of all ages to imagine the possibilities of the ever-growing and diverse digital media industry.

Lewis Black Live: Rant, White & Blue (Comedian)

Saturday, January 14

Location: Hard Rock Live Orlando

LINK: CLICK 

Description: Lewis’ live performances provide a cathartic release of anger and disillusionment for his audience. Lewis yells so they don’t have to. A passionate performer who is more a pissed-off optimist than mean-spirited curmudgeon, Lewis is the rare comic who can cause an audience to laugh themselves into incontinence while making compelling points about the absurdity of our world.

SW Orlando Jaycees Downtown Orlando MLK Parade

Saturday, January 14

Location: Northwest Lawn 512 East Washington Street Orlando

LINK: CLICK

Description: Martin Luther King, Jr Parade featuring prominent community and civic organizations, leaders and dignitaries. A caravan of our local small and minority businesses and teh nations most talented marching bands. The theme for the 2017 King Day celebration is “Remember, Celebrate, and Act….King’s Legacy of Peace with Justice for Our World.”

Praise Wave Music Festival

Saturday January 14, 2017 –  January 28, 2017

Location: SeaWorld Orlando

LINK: CLICK 

Description: With the return of Praise Wave®, guests can celebrate Christian fellowship and fun at SeaWorld Orlando. Uplifting, live concerts from the hottest names in Christian music will light up the stage at Nautilus Theater. Guests can also enjoy SeaWorld’s thrilling rides, shows and attractions.

Picasso at the Lapin Agile

January 20 – February 19, 2017

Location: Mad Cow Theatre, 54 W Church St, Orlando, FL

LINK: CLICK 

Description: Einstein and Picasso walk into a bar. Sounds like an opening of a classic joke…In the hands of comic-genius-turned-playwright Steve Martin it becomes so much more: an exploration of creativity, physics, and one-night stands played out in hilarious and thoughtful fashion. Ostensibly set in 1904 Paris, in th moments before Einstein and Picasso’s geniuses blossom, their worlds collide in the most commonplace of fashions… and the 20th century is born. What’s next? Believe it or not, the play has that answer too!

2017 Lake Apopka Wildlife Festival & Birdapalooza

January 20, 2017 – January 22, 2017

Location: 2929 S Binion Road, Apopka, FL 32703

LINK: CLICK 

Description: The Lake Apopka Wildlife Festival & Birdapalooza is a weekend event that is perfect for birders visiting Florida or locals wanting to learn more from well-known, knowledgeable birding guides. You can add to your life list while exploring a unique birding area.

Brahms Symphony No. 3

January 21, 2017

Location: Bob Carr Theater

LINK: CLICK 

Description: The Philharmonic honors John Adams with performances of two of his most well-known works. Eighteen year-old American Carmen Knoll will perform Rachmaninoff’s spectacular Third Piano Concerto. The program ends with the first Philharmonic performance of Brahms’ Symphony No. 3.

2017 Monster Jam

January 21, 2017

Location: Camping World Stadium

LINK: CLICK 

Description: Monster Jam® is the most action-packed live event on four wheels where world-class drivers compete in front of capacity crowds in both monster truck racing and freestyle competitions. Celebrating 25 years of adrenaline-charged family entertainment, Monster Jam combines spontaneous entertainment with the ultimate off-road, motorsport competition. Monster Jam features the most recognizable trucks in the world including Grave Digger®, Max-DTM, El Toro Loco®, Monster Mutt® and many more. Monster Jam events leave you on the edge of your seat as these competitors thrill fans with jaw-dropping displays of gravity-defying feats.

The 5k Zombie Run Orlando

January 21, 2017

Location: Bill Frederick Park, 3401 S Hiawassee Rd, Orlando

LINK: CLICK 

Description: Run for your life from flesh hungry Zombies through a 3.1 mile trail run where ZOMBIES are the obstacles!

Florida Wedding Expo 2017

January 22, 2017

Location: Orange County Convention Center

LINK: CLICK 

Description: The First and Biggest Wedding Expo of the Year!!! Find everything for your wedding… all in one place, in one afternoon!

In the Mood (Musical)

January 27, 2017

Location: Dr. Phillips Center

LINK: CLICK

Description: Hop aboard the “Chattanooga Choo Choo” to “Tuxedo Junction” and get “In the Mood” to hear a “Moonlight Serenade” performed by a 13-piece Big Band and six singer-dancers with some hot boogie woogie! In The Mood is a fully staged tribute to Glenn Miller, Tommy Dorsey, The Andrews Sisters and big band greats of the ’40s. Complete with period costumes and choreography, In The Mood celebrates America’s greatest generation who listened and boogied to up-tempo big band rhythms and danced to intimate ballads. Experience the jazzy, brassy, sentimental and patriotic music of the World War II era.

Celebration of Harry Potter

January 27, 2017 – January 29, 2017

Location: Universal Studios Florida

LINK: CLICK 

Description: Be a part of A Celebration of Harry Potter™ at Universal Orlando Resort™. It’s the only official event where you can celebrate your love for Harry Potter™ and discover more about the Wizarding World. Take part in film talent Q&A sessions, access special panels and demonstrations, and discover many more surprises.

NFL PRO BOWL: AFC vs NFC

January 29, 2017 ** Week Long Events

Location: Camping World Stadium

CLICK: LINK

Description: A week long of fun football events leading up to the big game

** Click this link to see additional Pro Bowl events getting “kicked off” January 24th!! 

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Photo courtesy of http://www.hercampus.com

Alabama-Clemson Have Deep Ties to Florida

In just the third season of the College Football Playoff system, Alabama and Clemson will both play in the National Championship Game for the second time.  Both schools defeated their opponents handily in the Semifinals:  Alabama beat Washington 24-7 in (Chic-a-fila) Peach Bowl and Clemson beat Ohio State 31-0 in (Playstation) Fiesta Bowl.

Alabama edged out a 45-40 victory against Clemson in last year’s game, setting up what should be an exciting rematch.  These two powerhouse programs will face off for the title on Monday, January 9 at 8:00pm (ESPN) in Tampa, Florida at Raymond James Stadium.

There are numerous players on both teams that have ties to the Sunshine State.

Two starters on Alabama’s top rated defense are Florida natives, Defensive Backs – Eddie Jackson (Lauderdale Lakes) and Ronnie Harrison (Tallahassee) as well as Wide Receiver – Calvin Ridley (Coconut Creek).

Clemson’s roster is loaded with Florida natives (14 players in total), including most of their Receiving core:  Artavis Travis (Clearwater), Deon Cain (Tampa), Ray Ray McCloud (Tampa) and Tight End Jordan Leggett (Navarre).

You can also find ties to Orlando on the Clemson roster.  Deshaun Watson’s backup QB, Freshman Tucker Israel is a graduate of Lake Nona High School and Tight End Garrett Williams is a graduate of The First Academy.  The Bevelle twins (Kaleb and Kelby), both Defensive Ends,  are graduates of Apopka High School, played their first season at Southeastern University (Lakeland).

Clemson Head Coach Dabo Swinney and the Bevelle twins father, Willis Bevelle were both walk-ons at Alabama in 1989 and played on the Tide’s 1992 National Championship team.  Clemson Offensive Tackle Jake Fruhmorgan (Tampa) is also putting his father, former Alabama offensive lineman John Fruhmorgan, through the similar stress of choosing to root his son’s team (Clemson) or his alma mater (Alabama).

Many will remember Alabama Head Coach Nick Saban’s two year stint as Head Coach of the Miami Dolphins (2005-2006).  Saban finished 9-7 his first season, but dropped to 6-10 in 2006.  In the days following the 2006 season, Saban made the announcement he was signing on with Alabama, in what turned out to be an historic event.

While it is true that both schools maintain bitter rivalries with Florida State (Clemson) and Florida (Alabama), you will find plenty of alumni and fans of both schools when traveling throughout Central Florida.  Clemson recently defeated Virginia Tech at the ACC Championship Game in Orlando and Alabama plays Louisville in the Camping World Kickoff in Orlando this September.

This will be the first College Football National Championship Game ever played in Tampa.  Perhaps given the high profile games played in Orlando in recent years, a future bid for the big game may not out of the question.

Written by Brian Koss of Team Koss, Real Estate Agents at Keller Williams Classic in Orlando.  Please follow us on Facebook, Instagram, Twitter and YouTube.

Election’s Impact on the Real Estate Market

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Picture of White House – History.com

We can all agree, the 2016 Election was one for the history books. Both pollsters and financial experts alike, failed to predict the outcome of the election, as well as its impact on the economy.

Wall Street overwhelmingly supported Secretary Clinton’s campaign. Some in the financial community predicted an almost doomsday-like scenario if Trump were elected. Yet, in the days following Trump’s victory, markets rallied to record-breaking heights. This spike is perhaps attributable to investor’s realization that Trump’s proposed tax, health, regulatory and energy reforms, as well as projected investment in infrastructure, would create a pro-growth environment.

So what impact will President elect Trump, have on the residential real estate market?

If Trump’s policy agenda is enacted, forecasters expect at least a short-term boost to the economy. As a result, we are likely to see more jobs, rising incomes and a lower tax burden. Theoretically, this could result in more money in the pockets of homebuyers. Thus, renters may be incentivized to buy.

On the flip side, Trump’s pick for Treasury Secretary, Steve Mnuchin, has expressed support for privatizing Fannie Mae and Freddie Mac and has called for more scrutiny on government-backed loans. There has already been an increase in mortgage rates post-election, and the December meeting of the Federal Reserve may result in a slight increase in interest rates.

There is no clear consensus on the impact of a Trump Administration on the residential real estate market. Some experts advise those looking to buy or refinance should be patient as rates stabilize; while other experts suggest buyers should buy now in order to lock in lower rates.

Brian Koss is a member of Team Koss,  Real Estate Agents at Keller Williams Classic in Orlando.  This article was featured in the West Orange Chamber of Commerce December newsletter and on their Blog and News section.   Team Koss are members of the West Orange Chamber. 

Bowl Season in Florida (2016-17)

Florida is the home of College Football from mid-December to the early part of January. No state in the nation will see nearly as much college football action during the annual bowl season.  Post-season has a long history in the Sunshine State.  The Orange Bowl, is the second longest standing bowl game, dating back to 1935.  The Gator Bowl / TaxSlayer Bowl (1946) and Citrus Bowl (1947) are also among the oldest annual games.

In the Bowl  Championship Series (BCS) era, four of the BCS National Championship Games games were played in Miami.  This year, the third National Championship of the College Football Playoff era will be played at Raymond James Stadium in Tampa.

Here’s the full list of Florida bowl games for the 2016-2017 bowl season:

December 17

Autonation Cure Bowl, Camping World Stadium, Orlando, 5:30 pm / CBSSN

Matchup:  UCF (American) vs Arkansas State (Sun Belt)

December 19

Miami Beach Bowl, Marlins Park (Miami), 2:30 pm / ESPN

Matchup:  Tulsa (American) vs Central Michigan (MAC)

December 20

Boca Raton Bowl, FAU Stadium (Boca Raton), 7 pm / ESPN

Matchup:  Western Kentucky (Conference USA) vs Memphis (American)

December 26

 St. Petersburg Bowl, Tropicana Field (St. Petersburg), 11 am / ESPN 

Matchup:  Mississippi State (SEC) vs Miami – Ohio (MAC)

December 28

Russell Athletic Bowl, Camping World Stadium (Orlando), 5:30 pm / ESPN

Matchup:  Miami (ACC) vs #16 West Virginia (Big 12)

December 30

Capital One Orange Bowl, Hard Rock Stadium (Miami Gardens), 8pm / ESPN

Matchup:  #11 Florida State (ACC) vs #6 Michigan (Big Ten)

December 31

Buffalo Wild Wings Citrus Bowl, Camping World Stadium (Orlando), 11 am / ABC

Matchup:  #20 LSU (SEC) vs #13 Louisville (ACC)

Taxslayer Bowl, EverBank Field (Jacksonville), 11 am / ESPN

Matchup:  Kentucky (SEC) vs Georgia Tech (ACC)

January 2 

Outback Bowl, Raymond James Stadium (Tampa), 1 pm / ABC

Matchup:  Iowa (Big Ten) vs #17 Florida (SEC)

January 9 

College Football National Championship, Raymond James Stadium (Tampa), 8:30 pm / ESPN 

Matchup:  Winner of Chic-fil-a Peach Bowl (#1 Alabama vs #4 Washington) vs Winner of PlayStation Fiesta Bowl (#2 Clemson vs #3 Ohio State)

If you are in Orlando and looking for more details on our local games (AutoNation Cure Bowl, Russell Athletic Bowl or Buffalo Wild Wings Citrus Bowl), check out Camping World Stadium and Florida Citrus Sports.

 

Where’s Santa – in Orlando?

If you have young children who are busy making their Wish List for St. Nick, you are likely looking for a place to take the kids to present their Christmas wishes for the man himself. Here’s five festive options for parents looking for those annual photos and holiday memories:

  • Disney Springs is a great place to stroll outside on the grounds of Disney and take the kids to meet Kris Kringle.  Walk up and pick up a pager, walk around to see all the new additions and they’ll buzz you when Santa is ready to visit.
  • Mall at Millennia goes all out with their “Hollyville” set up.  Photo packages are available as well as an option to take your own photos (with a minimum $10 donation to Arnold Palmer Children’s Hospital).  Check out their website for details about how to get in and their featured video on Santa’s arrival.
  • Florida Mall takes appointments online for meeting Santa.  This is a great way to avoid the long lines and unnecessary stress of the Christmas season.
  • Bass Pro Shop is offering a FREE photo with Santa at all their retail locations nationwide.  Check out the schedule and head down to the Bass Pro at the Artegon Marketplace for kids crafts and other holiday activities.
  • Gaylord Palms has major Christmas happenings, including Alpine Rush Snow Tubing, a Charlie Brown Christmas show and of course pictures with Santa.  Check out their website for a list of all the events and attractions and how to reserve tickets.

December is upon us and the North Pole is getting overloaded with requests. Make sure you get your kids to see the big guy today!

santaflorida
Credit to DF Clifford, Illustrator.  www.dfclifford.com 

2016 Holiday Fun at Orlando Theme Parks

If you are an Orlando local, or planning a trip with the family, there is no better time to visit the Orlando area theme parks than during the holiday season.  Sea World, Universal Studios and Walt Disney World are all being decorated for the season and have many great events taking place from Thanksgiving through New Years.  Here’s a brief overview:

SeaWorld

SeaWorld Orlando’s Christmas Celebration runs from November 25 – December 31 and includes live shows like Shamu Christmas Miracles, a decorated Christmas village and visits from the characters of Rudolph the Red-nosed Reindeer.  For more details on SeaWorld’s holiday happenings, CLICK HERE.

Universal Studios & Islands of Adventure 

Beginning on December 3-January 1, Seuss Landing at Islands of Adventure transforms into Grinchmas.  Catch a live showing of the Grinch Who Stole Christmas and listen to the carolers of Whoville.  The New York City tradition of the Macy’s Thanksgiving Day Parade comes to the streets of Universal Studios from December 3 – January 1.  Check out the floats, the marching bands and all the excitement that we see on TV every Thanksgiving, here every evening throughout the holiday season in Orlando.

Walt Disney World 

If you’re an annual Disney pass holder or planning a trip to Disney World, the holidays will make your visit extra magical.  If you aren’t planning a trip to the parks, you can always visit Santa and walk through the Christmas Tree Trail at Disney Springs.  But, rather than rewriting all the great features at the Disney Parks available this holiday season, I’ll defer to the work already done by Disney Tourist Blog.  This article gives you a full scope of all the Christmas time Disney magic your family will need.

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The Presidential Election Puzzle

America will pick their next President on Tuesday November 8th.  In the remaining days, candidates will remain focused on campaign rallies and television advertising in the key battleground states that will determine the outcome of the election.

A great source for following the breakdown of polling in each state is Real Clear Politics.  RCP is citing most often by media outlets because it provides and average of all the polls taken in each state and come up with a plausible outcome based on those averages.  Currently, the national polling average has Hillary Clinton with a +1.7% advantage in a 2 way race and +2.2% advantage over Donald Trump in a race including multiple candidates.

Two things of note:  First, there are multiple candidates on the ballot.  Gary Johnson (Libertarian Party) and Jill Stein (Green Party) are both showing that they register at with a few percentage points in national polls. Evan McMullin is also running an independent campaign for President, focused primarily on winning the state of Utah’s 6 Electoral Votes, which would typically go to the Republican nominee. Several polls have shown McMullin quite competitive in Utah.  Second, the national polls are just an indicator of the mood of the country, but will not determine the outcome of the election.  The candidate who will become the next President of the United States will have to win 270 Electoral Votes in the Electoral College.

The Electoral College was designed by America’s Founders to weigh each state’s influence according to population, giving them a representative number of votes.  The Electoral College votes for each states are determined by the number of Congressional Districts in each state, plus the number of US Senate seats (which is 2 for every state).  This guarantees even the least populated states like Montana, North Dakota, South Dakota and Wyoming at least 3 Electoral Votes.  Our system also allows states to determine how those Electoral Votes are allocated.  For example, the states of Maine and Nebraska break up the allocated votes according to Congressional District.  Each state has 4 Electoral Votes; 2 of which will be determined by each state’s Popular Vote, and the other 2 are determined by the outcome in each of the state’s Congressional districts.  Normally, this has not been a factor, however, Maine’s 2nd Congressional District is considered a “Toss UP” in this election.  Currently, Clinton is leading Trump in the RCP Polling Average by only  +0.7%.

When looking at polling, pollsters allow for approximately a 3% swing in either direction, called the margin of error.  Similarly, not all polls have the same methodology.  Over and under sampling of certain groups within the electorate are often a subject of dispute.  According to the pundits, pollsters and campaigns, there are anywhere from 11-18 states that are going to determine the outcome of the November 8th election. RCP Averages currently have the following states in the “Toss Up”category:  Florida (29), Ohio (18), Georgia (16), North Carolina (15), Virginia (13), Arizona (11), Colorado (9), Iowa (6), Nevada (6), New Hampshire (4) and Maine 2nd (1).

Additionally, there there are several other states that are currently categorized as “Leans Democrat” that have seen recent visits from both candidates this week. These include:  Pennsylvania (20), Michigan (16), Wisconsin (10) and New Mexico (5).  The Rust Belt states of PA, MI and WI have been seen to be of particular interest to the Trump campaign, where his message on opposition to trade agreements like NAFTA and the pending Trans Pacific Partnership seems to resonate with blue collar workers.

Three other states are listed as “Leans GOP,” which include:  Texas (38), Indiana (11) and Missouri (10).  In recently weeks, the Clinton campaign made trips to Arizona and Texas, hoping these once solid Republican states with high populations of Latino voters could start moving in her direction.  Given recent movements in the polls it is very likely Mr. Trump will win Texas and these other GOP leaning states, but Arizona will likely remain a critical battleground state.

One thing is for certain, Florida’s 29 Electoral Votes are crucial for both candidates.  The amount of time spent in the state by both candidates in all corners of Florida in the last week of the election is testimony that the entire election could come down to outcome of the Sunshine State.