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rlinvesta1 · 4 years ago

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I’m relocating and need to Sell My House in Houston

For most folks relocating is a challenging exercise to coordinate. Local Houston home sellers are calling us or submitting their house info on this website every day saying “I’m relocating and need to sell my house in Houston.“ The best thing is that we’re able to help a ton of those sellers sell their house quickly (since we’re always buying houses in Houston Texas now!).

There’s a tremendous amount of detail required to keep the process organized, plus whatever is making you move in the first place – typically it’s a new job or a sick relative, but the actual need to go always comes with a dramatic change.

So how do you make the most out of a difficult situation?

First, organize – Don’t agonize.

You don’t have to be in a bad position where you end up paying out to own and maintain a vacant house for 1- 2 years. That gets expensive quick, and it doesn’t have to end up that way.

Even if the housing market seems somewhat stable right now in Houston, things can change very quickly. Unfortunately, we’ve heard some terrible stories over the past couple of years. Unless you’re just flat out filthy rich, you probably can’t afford to wait it this out.

Let’s get right to the matter. How do you begin to make the right choices when your options include relocating and need to sell your Houston Texas house fast?

I’m Relocating, And I Need To Sell My House Fast In Houston. What Steps Do I Take And What Options Do I have?

First…

Figure out your house’s current market value: To do this you can find a real estate agent or just connect with us, and we can give you a no obligation value assessment on your property. So, now that you know what the house may be able to sell for in the current market… that sets the pace for how long you may or may not be able to or willing to sell the house.

Decide now how quickly you need to sell your house after relocating: This is the one thing that is crucial to the process. I’ve seen many professionals who’ve moved out of state for a dream job who had their house on the market for a year or more before selling it and for a much much lower price than they first planned for. Deciding how fast you need to sell your house is critical… and knowing how long you’re willing or able to keep up with making 2 mortgage payments, insurance, and taxes, etc.

Find a strong real estate agent well BEFORE you start packing boxes: Get the ball rolling beforehand, so you don’t lose any time. Every day that you wait or every month that it takes to sell the house… will cost you money. If you choose not to use a real estate agent to sell, that’s okay… we are a local known house buyer, and we’d love an opportunity to make you a fast fair full cash offer. Just fill out the form through this link to get started >>

Determine the value of selling your house fast vs. “sweating it out” for a retail dream price: Look we all want to sell our homes for as much as possible. We’d be lying if we said any different. But the one thing many people forget to do is come up with the $ amount of how much it will actually cost to hold onto this house. Some of the expenses typically include your mortgage (which if you’re still within the first 2-10 years of a mortgage, the majority of your payment interest are barely going to principal at all), insurance, property taxes, regular maintenance, etc. And let’s say you want to sell your house for $200,000… and your mortgage payment is $1,200/mo, taxes $200/mo, $100/mo for insurance, and $100/mo for maintenance ( think lawn maintenance, common repairs while you’re gone, etc.). Those expenses quickly add up to $1,600/mo in “non-equity building” costs. Reflect on this, if it takes you 7 months to sell that same house through a real estate agent for $200,000… it may cost you more than $11,200 in DIRECT “holding costs” tack on you have to pay that $12,000 in real estate agent fees (assuming 3% for the buyer’s agent and 3% for the seller’s agent).This adds up to approximately $23,200 in LOST profits. That doesn’t even begin to account for the cost of your time, your stress when thinking about your property sitting on the market and the lost opportunity of what you could’ve been doing with that extra cash during those long 7 months. It looks like the real cost to you more like $30,000. Visualize this, what if you were to have an option to sell your house within the next week and avoid all of that hassle? What if you sold it at a discount or below the retail price (let’s say… $175,000)… It looks like you’re still ahead of the game by selling the house NOW even at a discount to a cash buyer like our company vs. 7 months later at full asking price (and paying those holding costs and real estate agent fees).Do you see that and does that make sense?

Take action now!: Whatever you do decide… go for it and take some action. If you choose to go the real estate agent route, that could work. We can help you find that rock star local Houston Texas agent. If you decide not have to wait and not pay real estate agent commissions… then your best option may be to sell your house to us 🙂

If you’ve got tons of time and a perfect property, you might want to test the market waters by offering it out at a high retail price. There’s a possibility someone might just fall in love and be willing to pay more than market – people do some insane things for love.

Most Properties that come to us are usually average, in reality. They tend to look ordinary when compared to the other houses near them, in the same kind of way, that people who live near each other sometimes have a lot in common too. So unless your property is truly rare and exceptional, as in magazine-quality extra-special, still you likely won’t get the most in the market by beginning by pricing at the highest point.

You could also try to market your property for rent and sale at the same time, just to see what happens first. You’ll want to preserve control of this process, which can confuse even seasoned real estate brokers.

In unique situations, we sometimes partner with property owners to help secure a lease option agreement where highly qualified purchasers rent out the property for an agreed time before buying it.

In other cases, we may consider contributing to renegotiate a loan, make monthly payments or even conduct a possible short sale with a bank.

We thrive on helping people solve difficult problems. And we’d love a chance to help you and your family.

Creative solutions can bridge the gap to get you where you need to be.

Who We Are And How Can We Help You If You’re Relocating And Need To Sell a House In Houston?

We’re local Houston real estate investors. We support our families and improve neighborhoods by buying houses from Houston homeowners who’ve decided they need to sell fast for many reasons.

The different types of sellers who prefer to work with us include people who…

Need to sell fast (we can close in as little as 10 days if you need us to)

Prefer not to hassle with listing a property with an agent

Don’t want to pay any real estate agent fees

Unable to sell their house as is (we buy houses in as-is condition)

… or a variety of other challenging situations

But we’re just people like you, and we believe in our local community and economy.

We’ll quote you an all cash price, and we can close quickly with our cash.

If you’re happy to wait it out and choose to hire professionals to help, you can easily manage the selling your property from a long distance. In particular, circumstances like these can sometimes pay off.

We’re excited and happy to have a chance to help you answer your most pressing questions concerning your Houston real estate situation, so please feel free to call us now at 832-435-5731. We are standing by to answer.

#realestate #houses #homes #webuyhouses #cashhomebuyers #sellhousefast

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cathrynstreich · 5 years ago

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Real Living: ‘The Home of Lifestyle Advisors’

(Above) Teresa Palacios Smith, Vice President of Diversity & Inclusion, and Allan Dalton, CEO, Real Living Real Estate

Editor’s Note: This is the cover story in the February 2020 issue of RISMedia’s Real Estate magazine. Subscribe today. Energy and excitement ran high at Real Living Real Estate’s recent Real Living RLBridge broker event in Atlanta, Ga. Nearly all of the network’s broker/owners congregated to discuss business, share best practices and celebrate a new order at the network.

Real Living, part of the HSF Affiliates LLC family of real estate brokerage franchise networks, is growing with new franchisees, new resources and fresh, new branding that positions the network and its professionals as the “Home of Lifestyle Advisors.” Network members are energized, and their clients are responding, resulting in sales growth at franchisees across the country.

At the center of the action is network CEO Allan Dalton, who is relentless in his support of Real Living franchisees and their needs. Dalton has more than three decades of real estate operations, leadership and marketing experience. He is the former president and CEO of realtor.com®, he co-founded TownAdvisor.com, he co-owned a 32-office brokerage and has created marketing systems for leading real estate brands.

He begins his second year as Real Living CEO with ample enthusiasm (as always) and momentum. With the future undeniably bright for the Real Living network and its members, Dalton weighed in on progress and prospects.

RLBridge broker event, Atlanta, Ga.

Maria Patterson: Allan, you are deeply respected within the industry for your leadership roles, both as the former president and co-owner of a major real estate brokerage and then as CEO of realtor.com®, and for the growth and success of these companies. Should we expect the same growth at Real Living? Allan Dalton: I am very optimistic that the answer is a resounding yes. Not primarily because of me or my past achievements, which you so generously referenced, but instead, because of the incomparable Real Living brand and its existing network brokers and agents, and due to the wonderful balance of synergy and sovereignty that the Real Living brand and network enjoys.

Gino Blefari, Chairman, Real Living Real Estate

MP: Interesting choice of words, “synergy and sovereignty”—please explain. AD: HSF Affiliates provides many additional resources that Real Living, on its own and at this stage of its growth, could not expect or justify. Specifically, Real Living immensely benefits from the heralded leadership of Gino Blefari, our chairman; Chris Stuart, our vice chairman; Michael Jalbert, our EVP for Global Field Operations; Teresa Palacios Smith, our VP of Diversity & Inclusion; and Rosalie Warner, our SVP for Network Services. However, beyond this Hall-of-Fame-like executive team (none of whom require additional resume-related attention), is an impressive and deep bench of talented executives and staff, dedicated to the growth of our “Re-engineered Real Living.”

Chris Stuart, Vice Chairman, Real Living Real Estate

MP: What does “Re-engineering Real Living” mean to your network and the consumer? AD: We are unlike other brands that have to patch or alter their brand as it no longer conveys the intent of its leaders; there is also often an unwitting tendency to conflate what reimagining one’s brand means with merely redesigning one’s logo. Real Living, to the contrary, has completely and strategically overhauled its value proposition.

MP: How did you accomplish this, Allan? AD: When Gino Blefari appointed me CEO of Real Living and I took the helm of leadership, the Real Living brand and network had a different challenge.

MP: What was that specifically? AD: We had to unearth and expand upon that which was inherently remarkable and distinctive about the Real Living brand, and then build out its value proposition from there. It was like the legendary Marvel Method, whereby first, the iconic character is imagined and branded, then the emerging value proposition emanates from the discovered DNA.

MP: And what is the DNA of Real Living? AD: Ironically and appreciatively, it was discovered by a competitor—that being Realogy. Realogy publishes research that revealed that Real Living, in its relative present-day smaller size and years in the business, was found to be the third-most recognizable brand in real estate. When I first saw these results in a Century 21 brochure, I must confess that my first reaction was, “This must be what they mean by ‘fake news.'”

MP: Why do you think Real Living, which is much smaller and has been around for a much shorter time than many other brands, scored so highly? AD: I believe it is for two reasons. First, that we sound more like a real estate company than any other brand name, and secondly, there is a primitive pull to the word “living” or “life” as the industry is evolving from selling homes to selling lifestyles. Our members love the connection between Real Living and how we are now positioned to be the Home of Lifestyle Advisors.

Real Living’s fresh, new branding positions the network and its professionals as the “Home of Lifestyle Advisors.” Above, Navona Hart, owner/broker of Real Living Cornerstone in Farmville, Va.

MP: Tell me what it means to be a “lifestyle advisor.” AD: Simply stated, moving forward, there will be great pressure on industry fees unless brokerages and their agents move beyond only asserting transactional value and not relational or advisory importance and relevance.

MP: And what are you doing to ensure that? Your claim to be the Home of Lifestyle Advisors is not just a pithy slogan, but substantive and meaningful? AD: Shakespeare in Hamlet writes, “Suit the actions to the word and the word to the action.” To that end, we have introduced to our network not only extensive lifestyle, advisory related training, but also sweeping consumer-centric content through our network’s beloved “Real Living. Real Answers.SM” Our content includes digital and offline programs such as:

“The Real Living Lifestyle Planning Guide” and “Neighbors Know Best,” a consumer testimonial program to support how we market our properties, and a rejection-free prospecting program “Downsizing with Distinction,” “How to Effectively Move Up” and “Why Homes Don’t Sell,” videos and guides for expired listings “Do You Want to Be a FSBO or Select a FMBA?,” a one-of-a-kind program for FSBOs

“Real Living. Real Answers.” also includes “When to Rent and When to Buy,” “Before You Select the Right Price for Your Home, Select the Best Pricing Strategy” and, more simply, but catastrophically, overlooked content.

Real Living Real Estate Vice Chairman Chris Stuart

MP: “Catastrophic”? Allan, that’s a strong word, or even an indictment… AD: Absolutely. One of the reasons I select that sensationalistic-sounding word is that only 12 percent of consumers, according to NAR (National Association of REALTORS®), return to their agent for future business transactions. This is, in my view, because during the time they are not selling, agents do not engage them in a fashion similar to other professionals. Agents focus more on creating a sphere of influence vs. influencing their sphere, and more on databases than on developing a client base like other professionals with whom we covet analogous status. What is catastrophic is that consumers maintain, figuratively speaking, one doctor, one lawyer and one financial planner, while they simultaneously and routinely engage in real estate roulette and randomly search when it comes to selecting their real estate agent. And this typically occurs only when a transactional need surfaces.

MP: How are you changing this pattern? AD: One example is our Real Living Lifestyle Planning Guide. This incomparable relational program allows our network lifestyle advisors to lock in clients for life rather than merely mimicking how the industry wishfully proclaims that “I want to be your agent for life” yet lacks any corresponding plan for building and sustaining these relationships. Imagine a financial planner not having any financial plans.

MP: So your lifestyle advisors also advise consumers to do planning? AD: Yes, but with the help of the Real Living self-help planning guide.

MP: And how is this working? AD: Our three leading brokerages led by Jason Sherman and Justin Levitch of RLAH in Washington, D.C.; John Meesseman, Real Living Kee Realty, Clinton Township, Mich.; and Bob Molta, Real Living Realty Professionals, Longmeadow, Mass., have all told me it is a profound and effective differentiator.

(L to R) Bob Molta, Justin Levitch, Allan Dalton, John Meesseman

MP: You mentioned the brand’s leaders. Please share more about them. AD: Our leaders have emerged both nationally and locally. Nationally, our entire essence as a brand and franchise management team begins and ends with Gino Blefari. Gino is the only true “triple threat” I have known in real estate. Before becoming CEO and chairman of HomeServices of America and Real Living Real Estate, respectively, Gino was the No. 1 agent in a county of almost 2 million population for years. He then managed the No. 1 office in a major brokerage. Later, he became the president of the No. 1 Century 21 company in the world. After that, he founded one of North America’s seven largest brokerages. Gino’s accountability systems, driven through his meticulously authored West Coast offense, is a career changer for brokers and agents.

Chris Stuart possesses the greatest integration of brokerage experience and innovation, together with high-tech experience, of anyone I have ever met in real estate, and it is enormously impactful that he is our Real Living vice chairman.

Michael Jalbert, EVP of Global Field Operations, is an organizational maestro and was instrumental in Realogy’s worldwide growth as he is becoming for HSF Affiliates and Real Living.

Rosalie Warner, the former president of Prudential Real Estate, is our SVP for Network Services and represents the executive gold standard in execution and results.

Teresa Palacios Smith, a longtime real estate and relocation specialist, is the former president of NAHREP (National Association of Hispanic Real Estate Professionals) and is, I believe, our industry’s most credible and passionate voice regarding the vital importance of diversity and inclusion.

Marie Cabo

And Real Living’s marketing is drawing great raves from consumers, brokers and our agents. This widespread and enthusiastic buy-in would not be possible without the leadership of HSF Affiliates’ VP of Global Marketing Wendy Durand, and especially the relentless creativity and world-class marketing acumen of Marketing Manager Marie Cabo. Marie is instrumental in executing our new consumer-centric culture.

MP: Allan, you also mentioned local leadership… AD: Rusty Willis of Real Living Capital City Realty in Atlanta, Ga.—arguably, the most respected and beloved broker in the entire Real Living network—recently conceived of and hosted a three-day, broker-to-broker event in Atlanta, attended by the majority of Real Living network brokers from across America. This is an example of exemplary leadership that any other brand would be hard-pressed to duplicate. Attending the conference were three exceptional leaders: RLAH’s CEO Jason Sherman, who, along with business partner Justin Levitch, has grown to become Real Living’s No. 1 brokerage; John Meesseman is without question as fine a brokerage operator as I have met; and Realty Professionals’ Bob Molta is a remarkable developer of people and strategic genius. This event was highly beneficial for both brokers and their teams, as brokers were able to take back actionable programs, strategies and ideas to better their teams and strengthen their relationships with clients.

Allan Dalton and Rusty Willis

MP: Tell us about some of your newest franchisees since you became CEO. AD: Two of the newest include Kathy and Jim Rebhan of Real Living Carolinas Real Estate in Charlotte, N.C., whose business is up 40 percent since we re-engineered Real Living; and the other is industry icon Ken Baris of Jordan Baris Inc., REALTORS® Real Living in West Orange, N.J., who is experiencing unprecedented growth even though his company has been a top performer for decades in Northern New Jersey.

(L to R) Teresa Palacios Smith, Rosalie Warner, Allan Dalton, Gino Blefari, Ken Baris, Tricia Kobos and Champ Claris at the grand opening of Jordan Baris, Inc. REALTORS® Real Living.

MP: We have never seen you more excited. How would you summarize your unmistakable and infectious excitement for Real Living? AD: While so much of the industry is talking about disruption, pressure on fees and endlessly speculating on business threats without any solutions, Real Living network members are increasingly rejoicing in:

Being connected to the stability of HSF Affiliates and, ultimately, Warren Buffett, chairman and CEO of the Berkshire Hathaway enterprise

Not being a brand that has over-saturated the markets

Communities love the campaigns focused on that where they live is “Where Real Living begins”

Real Living’s leadership components, with all their resources and experience, are working tirelessly to ensure that our network agents not only remain ultra-relevant and flourish, but that Real Living leads the way for the industry to evolve from its transaction value to the combination of transactional and relational value—real estate with lifestyle

Allan Dalton with franchise owners Jim and Kathy Rebhan and Ken Baris

MP: Allan, it’s clear you’re ready for a bright future at Real Living! AD: This is the most exciting time for the brand and our network. Real Living provides a strong value proposition, transcendent tools and expert leadership to help network professionals grow their businesses. For consumers, the brand stands apart, tying lifestyles and lasting relationships into the real estate process with the aspiration of better and ongoing real estate service over time.

For more information, please visit www.realliving.com.

Maria Patterson is RISMedia’s executive editor. Email her your real estate news ideas at [email protected].

The post Real Living: ‘The Home of Lifestyle Advisors’ appeared first on RISMedia.

Real Living: ‘The Home of Lifestyle Advisors’ published first on https://thegardenresidences.tumblr.com/

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cmcguirerealtor · 5 years ago

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Renting Vs Buying A Home

Anyone can waste money by making bad spending decisions and relying too much on credit. But on its own, renting is a smart and flexible financial choice!

When you rent an apartment, it's best to think of it as simply exchanging money for a place to live. Maybe that money isn't going into something you own, but you aren't making a losing bet, either. You don't have to make repairs or worry about housing bubbles, slowing home sales, or fluctuating neighborhood pricing.

Sure, people who rent more space than they need or who live in a hot part of town and pay ridiculously high rent are wasting their money. Amenities in hip areas are more expensive, so they're paying more for rent and for everything else, too.

Renting vs. buying a home is a big decision, and there are pros and cons to each option. A higher percentage of U.S. households are renting than at any point since 1965, according to a Pew Research Center analysis of U.S. Census Bureau data released in 2016.

For some people, renting comes down to what they can afford at the moment.

Here are five questions to ask when considering renting vs. buying:

1. What can you afford?

2. How long do you plan to stay in the home?

3. Do you want stability or flexibility?

4. Can you afford to be responsible for home repairs/maintenance?

5. What are your financial, career and family goals?

Differences between renting vs. buying

Renting vs. buying a home isn’t a matter of ownership. Here are other key differences between the two options.

General Statistics About Housing in the U.S.

· The housing industry represents more than a quarter of our nation’s total investment dollars and about 5% of our total economy.

· There are currently over 136.57 million housing units in the U.S.

· 930,000 of housing units in the U.S. are rentals.

· In 2018, the total number of homeowner households hit an all-time high of 76.2 million.

· 36.6% of households rent their homes.

· The rental vacancy rate is 7.2%; the homeowner vacancy rate is 1.6%. The national rental vacancy rate rose in 2018 for the first time since 2009, ticking up from 6.9% to 7.2%.

According to the 2018 census, the homeownership rate is 64.4%

Cities Where Renters are the Majority

Toledo, OH

Memphis, TN

Tampa, FL

Hialeah, FL

Stockton, CA

Honolulu, HI

Anaheim, CA

Baton Rouge, LA

Santa Ana, CA

Columbus, OH

Detroit, MI

Clevalen, OH

Baltimore, MD

St. Louis, MO

Minneapolis, MN

San Bernadino

Eviction in the United States

The procedure and rate of eviction in the United States vary by locality. Landlord-initiated expulsion of tenants is not officially tracked or monitored by the Federal government and has historically not been subject to comprehensive analysis.

Most evictions in the United States occur because the tenant cannot or will not pay rent. Landlords can also expel tenants for breaking the law, damaging property, sub-leasing, or causing a disturbance. In most American municipalities, tenants who haven't violated their lease can be expelled, in what is known as "no-fault evictions."

Most renting families under the poverty line spend more than 50% of their income on rent, with one in four such families spending over 70% of their income on rent and utilities. About one in four low-income renters receive housing assistance. Eviction rates are higher in communities with multiple aggravating factors, including high levels of poverty. These include local laws that give advantage to landowners and a lack of available affordable housing that would increase market pressures to keep rents low.

When housing pressures are extreme, even middle-class and working-class renters are evicted by landlords eager to capitalize on the rising market rates, such as in San Francisco during the various tech booms. In such circumstances, landlords may seize upon minor violations that were previously tolerated, such as keeping a small pet or storing a bicycle in the hallway, to evict renters. The situation in California is aggravated by the Ellis Act, which allows landlords to evict tenants and immediately sell the vacant apartments as condominiums.

Evictions disproportionately affect low-income women, in particular, women of color. Approximately one in five African-American women renters report being evicted at some point in their life, while the equivalent rate for white women renters is one in 15. Victims of domestic violence and families with children are also at high risk of eviction. Renters who appear in eviction court are three times more likely to actually be evicted if they live with children.

Buying a house can build equity

Homebuyers can capitalize on the equity of their home accumulates over time. That means if the home’s value goes up, you’ll cash in on the higher value when you sell. Plus, with a fixed-rate mortgage, you won’t have to worry about rising rents.

Tax implications

Another factor for buyers to consider is whether you will be able to deduct the mortgage interest at tax time. Tax laws allow those who itemize their taxes to write off their mortgage interest payments. However, not everyone is eligible to itemize deductions, and changes to the tax laws in 2018 means that more people won’t be able to deduct as much of their mortgage interest and property taxes as they used to.

Home maintenance costs

Homes need repairs and maintenance over time, and when you’re renting, those costs are generally the landlord’s responsibility. For instance, in an apartment, if the HVAC system or refrigerator breaks, the landlord has to fix it. On the other hand, as a homeowner, you’ll be on the hook for those repairs and ongoing seasonal maintenance, and they can add up fast.

Want flexibility? Rent

If you’re moving to an unfamiliar city, have an unstable job situation or don’t know what neighborhood will feel like home, renting for a while can be a great option.

Renting vs. buying a home: A comparison

Buying

· Advantages

May build equity and credit

No landlord to answer to

More stability (especially with schools)

Possible tax benefits

Can improve or upgrade home to your taste

· Disadvantages

Requires substantial money, paperwork upfront

Could lose money if home values decline

Extra expenses beyond mortgage payments

Rising home prices and low inventory in many markets

Responsible for repairs, remodeling

Renting

· Advantages

Fewer upfront costs and paperwork

Freedom to be more mobile

Not responsible for maintenance, repairs

No need to worry about falling home values

Build credit (if your landlord reports rent payments to the credit bureaus)

No property tax bills

· Disadvantages

The landlord can raise the rent or sell the property

Choices may be limited depending on vacancies

Might have to move multiple times

Don’t build equity

No tax benefits

Bottom line: Choose what’s right for you

It will be very helpful to talk with a trusted real estate agent to help you think through the decision to rent vs. buy a home. Real estate agents are professionals who work on your behalf and advocate for your interests. In most cases, sellers have a real estate agent working for them so you want someone on your side who has your back in negotiations and can help you understand the complex lingo in contracts, for example.

Stay tuned for my next blog!

I am your Wellness LifeStyle Real Estate Advisor.

Broker/ Owner: Cynthia McGuire

Real Estate License Number: 3279376

Office Address: 7000 W Palmetto Park Rd # 210

Boca Raton, FL 33433

Contact #: 561 - 542 - 2262

Email: [email protected]

Website: http://greenergloberealtygroup.com

Sources:

https://www.bankrate.com/real-estate/renting-vs-buying-a-home/

https://ipropertymanagement.com/renters-vs-homeowners-statistics/

https://moneywise.com/a/heres-why-paying-rent-isnt-throwing-away-money

https://en.wikipedia.org/wiki/Eviction_in_the_United_States

#GoGreen #GreenerGloberRealtyGroup #EcoFriendly #FloridaRealtor #RealEstate #RealEstateTips #LifestyleTipsByCynthia

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fthbarlingtontx · 5 years ago

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Texas Veterans Homes For Sale

Contents

single family homes

Rent dallas homes

Urban development (hud)

Luxury real estate listings

Real estate listing photos

Base area homes

Our executive team is made up exclusively of real estate professionals with a long history in the mortgage industry. Founded by Keith Murray, an MAI-certified real estate appraiser who continues to serve as President and CEO, VRM is driven by forward-thinking leadership that advocates for creative solutions to business challenges.

Several federal agencies have properties to sell. In fact, HUD sells both single family homes and multifamily properties. Check them out- one might be just what you’re looking for! single family homes for Sale. From HUD; From the Department of Veterans Affairs; From Federal Deposit Insurance Corporation; From Internal Revenue Service

We hope you find the following links helpful in your search for affordable housing opportunities. Down Payment Assistance Programs. Houston homes for sale and rent San Antonio homes for sale and rent dallas homes for sale and rent Austin homes for sale and rent Fort. Texas Real Estate.

Anyone can buy a home for sale by the U.S. Government, but you must work with a real estate agent, broker or servicing representative to submit an offer or bid. Currently the U.S. Departments of Housing and urban development (hud), Agriculture (USDA/Rural Development), and Veterans Affairs (VA) have homes listed on this site.

Usaa Va Home Loan Requirements "I have been selling real estate in this area for over 23 years," says Coldwell Banker United broker associate Maggie Curtis, who is also a member of the USAA Relocation network. Administration.Va Loan Statement Of Service Template Lenders may use this sample document, provided it is on the lender’s letterhead. See VA Lenders Handbook, Chapter 4, Section 1.#7. Old vs. New Loan Comparison and Certification. Lenders must include with every Interest Rate Reduction Refinance loan, a statement signed by the borrowers showing they understand the effects of the refinance.

Browse our Veterans, Denton, TX luxury real estate listings, priced over $1,000,000. Find Veterans, Denton, TX luxury homes for sale, view luxury condos in Veterans, Denton, TX, view real estate listing photos, compare properties, and more.

America has a serious problem with Homeless Veterans, Texas Tiny Homes is. The Areas of Compromise for $85K Site-Built Homes; Home For Sale | Lampasas, Texas;

Va Home Loan Entitlement Code 2019 VA Entitlement Calculator. Use our VA entitlement calculator if you are buying above your county loan limit, if you already have a VA loan, or if you have entitlement used that will not be restored prior to closing on your new home.

The full private suite features everything one would need to live comfortably and privately: its own separate entrance, open living area with kitchenette, bedroom and bathroom – it’s like having two.

. Iowa Park and Sheppard Air Force base area homes, commercial and farm. Real estate transactions can be very complex and can involve many different. Texas Veterans Land Board for land and housing programs for Texas veterans

Va Statement Of Service Letter Example The Value of a Personal Statement: A Message From a VA Disability Rater Published on September 17, 2017 September 17, 2017 51 Likes 39 comments robert Graves, M.S., MBV FollowVeterans Administration Home Loans Phone Number Va Seller Paid Closing Costs Limit Limitations on buyer closing costs – The VA places limits on what borrowers can be charged in fees and closing costs. borrowers can ask the seller to pay all loan-related closing costs as well as up.However, recent statistics indicate that the use of VA Home Loans are largely underutilized, although signs of very gradual growth exist. A VA loan is a mortgage loan guaranteed by the U.S. Department.

TREC values our active and veteran military service members and their families. We know the process of becoming licensed can be overwhelming. In addition to the state veterans portal available for all veterans, we have created this page to explain benefits we offer to veterans, service members and spouses applying for a license as a real estate professional in the state of Texas.

https://ift.tt/2ACR3W5

#Arlington first time home buyer #first time home buyer assistance Arlington #Arlington first time ho

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ronnykblair · 5 years ago

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Commercial Vs Residential Real Estate – What is the Difference?

If you are getting your real estate license and not sure if you want to have a career in commercial real estate vs residential real estate then you will want to read this post. There is a difference between the two and it’s important that you be aware of them.

Below we will touch on some of the main differences of commercial vs residential real estate however keep in mind there are many more.

Education

In Texas anyone that wants to represent buyers, sellers, tenants, landlords, and tenants whether commercial or residential has to get a real estate license. The basic education requirements for this are the same for both.

The core curriculum of the Texas real estate license weighs heavily on the residential aspects of real estate. If you want to get more commercial real estate education you will have to pay for 3rd party courses through CCIM or others………..and good ole on the job training. Finding a good mentor is key.

Also there are many types of commercial real estate to learn and the nuances of each are different.

Having a college degree may help you get your foot in the door with some commercial real estate brokerages however it’s not necessary. Some will say that you have to have a college degree to be a commercial real estate agent however I know plenty of commercial brokers that don’t have degrees. However if you want to increase your chances of being hired by a big commercial real estate firm then get a college degree.

Type of Clients You Deal With

In residential you are mainly working Business to Consumer (B2C) with individual consumers who want to buy, sell, or rent homes as your main point of contact.

In commercial real estate you are working Business to Business (B2B) with your main contacts being business owners, CEO’s, CFO’s, COO’s, Operations Managers, and in many cases office managers and/or administrative assistants.

If you don’t like cold calling businesses then you might stick with residential.

How Long Deals Take

The sales cycle is much longer in commercial real estate.

In residential once you find a house you like, make an offer that gets accepted, you will typically close in 30 days or less. Also depending on the market you are in you only get 3-7 days for due diligence to complete and review the inspection report and get pricing on any repairs needed.

Depending on the type and size of space, market, scope of work needed, zoning requirements, etc., commercial real estate transactions can take anywhere from 30 days to 12 months or longer. In most cases the minimum due diligence time frame is 30-45 days. A more complex transaction could require many months of due diligence

Ramp Up Time to Start Making Money

In residential you typically get paid commissions at closing. Because of the shorter sales cycle you are able to make money more quickly.

Because the sales cycle is longer in commercial real estate it will take you much longer to make money than in residential. In commercial leasing you typically get paid half of the commissions within 30-60 days of lease signing and the other half when the tenant moves in. If buying commercial you would get paid at closing however keep in mind how long the deal takes to close from start to finish. I’m not saying it’s not possible to make money sooner in commercial however in most cases it’s a good idea to at least have 6-12 months of living expenses set aside. If you are a quick learner and diligent about prospecting you have a better chance of making money sooner.

Work Hours

Commercial real estate agents mostly work during business hours. Yes there maybe times where you work after hours or on weekends………however most work is typically done during the business week days.

This is because you are working with businesses.

Residential agents work with consumers who may not be available to see houses until after work or on weekends. So if you don’t want to work a lot of evenings and weekends then residential real estate is not right for you.

How Much You Can Make

You will hear people say you can make more money in commercial real estate than in residential. I don’t think that is totally true as I know people who do very well in residential.

I think selling residential properties is easier than commercial however regardless of which you choose you still have to prospect and generate leads. No leads, no sales or leases.

Most people are lazy. If you work hard every day to continuously learn your craft and are constantly networking, cold calling, prospecting, and work in real estate FULL time, you will do well.

To make good money in real estate as a broker or agent you have to be in and around the business FULL time. You will not make good money being a part time agent.

Conclusion

Above we have only touched on some of the main differences of commercial vs residential real estate.

Commercial real estate transactions can be more complex and take longer to close from beginning to end, which means it takes longer to make money.

However you have to decide for yourself which is the best route. Becoming a commercial real estate agent does not mean you will make more money. No matter which you choose you can make good money…………ONLY if you work hard at it!

#real estate services #commercial real estate agency #office space rental agency #warehouse space ren

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austintenantadvisors · 5 years ago

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Commercial Vs Residential Real Estate – What is the Difference?

Below we will touch on some of the main differences of commercial vs residential real estate however keep in mind there are many more.

Education

Also there are many types of commercial real estate to learn and the nuances of each are different.

Type of Clients You Deal With

In residential you are mainly working Business to Consumer (B2C) with individual consumers who want to buy, sell, or rent homes as your main point of contact.

If you don’t like cold calling businesses then you might stick with residential.

How Long Deals Take

The sales cycle is much longer in commercial real estate.

Ramp Up Time to Start Making Money

In residential you typically get paid commissions at closing. Because of the shorter sales cycle you are able to make money more quickly.

Work Hours

This is because you are working with businesses.

How Much You Can Make

You will hear people say you can make more money in commercial real estate than in residential. I don’t think that is totally true as I know people who do very well in residential.

I think selling residential properties is easier than commercial however regardless of which you choose you still have to prospect and generate leads. No leads, no sales or leases.

Most people are lazy. If you work hard every day to continuously learn your craft and are constantly networking, cold calling, prospecting, and work in real estate FULL time, you will do well.

To make good money in real estate as a broker or agent you have to be in and around the business FULL time. You will not make good money being a part time agent.

Conclusion

Above we have only touched on some of the main differences of commercial vs residential real estate.

Commercial real estate transactions can be more complex and take longer to close from beginning to end, which means it takes longer to make money.

#commercial real estate agency #office space rental agency #warehouse space rental agency #retail spa

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sweetlyeclecticvoid · 5 years ago

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The process of buying a home can be different based on the price range and whether a mortgage is needed. While some things are different, others are similar regardless of price, financing or local customs. Each year, the National Association of REALTORS® surveys buyers and sellers who have purchased or sold in the previous twelve months in order to identify the process and steps taken. It provides a lot of information for the people who will be going through the process now and in the near future. 44% of all buyers looked online for properties for sale. This might be considered a logical first step to determine the prices of homes in certain areas and what features they offered. 17% of all buyers stated that their next step was to contact a real estate agent. In another REALTOR study, it is reported that 87% of all buyers purchased their home through a real estate agent or broker. Buyers identify a wide range of services the agents offer that is considered valuable in the purchase of a home. The next step identified by most buyers is to look online for information about the home buying process. In many cases, agents share this information in their first substantial meeting but since it is identified as the third highest steps taken by buyers, some people may not be getting adequate information from their agents or they are verifying the process as explained to them. The fourth step identified by buyers is to contact a bank or mortgage lender. The position this step takes place is interesting because many real estate professionals suggest that it be one of the first things buyers should do. The reason is to find out how much mortgage they can qualify for, so they are looking for homes in the right price range. This can save a lot of time and frustration. The three next highest steps included driving by homes and neighborhoods, talking with a friend or relative about the home buying process and visiting open houses. The buyers in this study mentioned that they depended on several sources for information during the home search. The most frequently used were online website, their real estate agent, mobile search device, open houses and yard signs. The three most difficult steps listed were finding the right property, the paperwork and understanding the process and steps. You can download a Buyers Guide that has a lot of interesting information. We have an array of Financial Apps that can provide insight on things like Rent vs. Own, Mortgage Payment and Your Best Investment. And of course, I'd be happy to schedule an appointment with you to go over all these things and talk to you about finding your next home. Call me at (416) 921-1112.

http://mytoronto-by-shawnvenasse.blogspot.com/2019/08/steps-in-home-buying-process.html

#Steps in Home Buying ProcessSEO #Local SEO training

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meraenthusiast · 5 years ago

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The Richest Man In Babylon Summary – 7 Wealth Lessons

The Richest Man In Babylon Summary

If you’re reading this post, then it’s safe to say you want to improve your financial life. There’s also a good chance that you’ like to read.

People that don’t read much (but want to) usually blame their busy lifestyle yet the smartest and wealthiest people have linked much of their success with their reading habits.

In fact, Jordan Peterson’s best advice he gave to college students was to read good books.

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Tom Corley of Rich Habits, performed a five-year study of the daily habits of the rich and poor. He found that your daily habits are responsible for your financial circumstances in life.

Here’s a few stats that he uncovered:

86% of the wealthy loved reading vs. 26% for the poor

63% of the wealthy listened to audio books during their commute to work vs. 5% for the poor

85% of the wealthy read two or more self-improvement books every month vs. 15% for the poor

88% of the wealthy read 30 minutes or more each day vs. 2% for the poor

94% of the wealthy, on a daily basis, read newspapers, newsletters, magazines, blogs and other digital media vs. 11% of the poor

Billionaire Reading Habits

As you can imagine, the world’s wealthiest people are avid readers as well.

Here’s a handful to learn from:

Bill Gates

Bill Gates reads 50 books a year or one a week.

Mark Zuckerberg

Facebook’s Mark Zuckerberg read a book every two weeks in 2015, and even started a book club called “A Year of Books”.

Warren Buffett

The Oracle of Omaha, Warren Buffett, reportedly spends five to six hours a day reading.

He also goes through 500 pages of financial documents and recommends prospective investors do the same.

He once told a Columbia University investment class, “That’s how knowledge works, it builds up, like compound interest. All of you can do it, but I guarantee not many of you will.”

Mark Cuban

Dallas Mavericks owner Mark Cuban constantly looks for the competitive edge however he can with his multiple businesses.

Often, that means reading for three hours every day, just to learn more about the industries he works in. Cuban has said this worked wonders at the start of his career.

Now that we know one of the key habits that many of the successful people have, let’s take a look at a great story that can help change your financial future.

The Richest Man In Babylon Summary

Here’s a brief, five minute video summarizing The Richest Man In Babylon:

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In 1926, George Clason published a series of pamphlets written in parables that took place in the ancient city of Babylon. These stories eventually turned into a financial classic known as The Richest Man in Babylon. Even though it was written almost a century ago, the book is still well known because of its timeless principles on wealth creation.

Background

Babylon was once the richest city in the world, known for its lavish houses and palaces all protected behind massive walls. It was founded around 2300 B.C. and located along the Euphrates River in present-day Iraq..

It created fertile farmland where once there had been a desert through the use of irrigation. All forms of lending and borrowing within the city were highly developed thus making it extremely prosperous. Most people living there, including slaves, were allowed to freely make money.

The success of Babylon inspired George Clason to write several stories including what’s become known as The Richest Man In Babylon. Many of his stories discussed principles of finance and wealth-building and were distributed by banks, insurance companies and other employers to teach the benefits of saving and hard work.

The story is about two friends, Bansir, a chariot builder and Kobbi, a musician. They both were good at their trade but had no money. (Sound like anyone you know?) One day Kobbi had an idea to visit their childhood friend, Arkad, who was the richest man in Babylon.

The two set out on a journey and eventually met with Arkad. During their time together, they asked him why he thought they had no money to show for all of the hard labor they’ve performed all of their lives.

The lessons that Arkad provided, which he calls the seven cures to a lean purse, are wealth building habits that anyone can follow to build a solid financial foundation.

7 Wealth Building Lessons From The Richest Man In Babylon

1) Pay Yourself First (“Start thy purse to fattening.”)

The greatest lesson in the book is this first lesson. Arkad was faced with a similar situation as Bansir and Kobbi. He told them a story of how he once was a scribe with no money and sought out advice from a wealthy man. This man gave him the secret to wealth in exchange for his work on a clay inscription.

His secret was that he found the road to wealth when he decided that a part of all he earned was his to keep. And that anyone can do that by simply paying themselves first before spending any money.

The IRS REALLY gets this concept as they pay themselves first with our money during each pay period. Are you doing everything you can to lower your taxes?

Paying yourself first is also one of the key lessons David Bach teaches in his books, The Automatic Millionaire and The Latte Factor.

Clason recommends that we pay ourselves at least 10% of all that we earn. I suggest 20% or more. If you’re not diligent enough to do this yourself, have someone else set it up for you so that it’s automated each month.

The difference between wealthy and poor people is knowing this first rule. Wealthy people pay themselves first while poor people don’t.

2) Live below your means (“Control thy expenditures”)

This is one of the concepts that young docs and high-income professionals that I coach can’t seem to grasp; live on less than you earn. When I recommend this, the excuses start flying such as, “It’s hard because I have so many expenses” or “My spouse pays the bills so it’s hard to know what’s happening with the money each month“.

It’s hard to reach financial freedom if both spouses aren’t on board. If I can just get to someone coming out of residency to encourage them to live on their resident’s salary 3-5 years, then they’d see success much sooner in life. It would also help them to ingrain this habit – live on less than they make.

According to Becker’s Hospital Review, the overall physician salary is $300,000. If you follow Rule #1 and save at least 10% ($30,000), then you’d have $270,000 to live on. If you can’t live on $270K a year, you have bigger problems that need addressing.

Most millionaires state that finance is 80% behavior and 20% knowledge. Meaning, you don’t have to be a doctor to become rich, simply adopt and apply good money habits.

3) Make your money work for you. (“Make thy gold multiply”)

This lesson reminds me of two verses about investing in the Bible:

Proverbs 21:20 – “The wise store up choice food and olive oil, but fools gulp theirs down.”

1 Corinthians 16:2 – “On the first day of every week, each one of you should set aside a sum of money in keeping with your income, saving it up, so that when I come no collections will have to be made.”

In the The Richest Man In Babylon, Arkad recommended invested only in things that you’re knowledgeable about. I see too many doctors lose money in risky investments that they don’t have a clue about even though the broker says it’s the next BIG THING.

If you want to invest in index funds, then learn about them first. If you’re interested in real estate, then meet with others that can teach you about it first. You don’t have to become a professional, but at least learn enough to ask smart questions before investing.

Put your money to work by making smart investments and taking advantage of time and compounding interest.

4) Insurance protects our wealth. (“Guard thy treasures from loss.”)

In the book, Arkad encourages the protection of one’s wealth from loss. This is fantastic advice that, unfortunately, many younger docs don’t consider when starting out. I remember the early days of practicing when all I could do was make ends meet and pay off loads of student loan debt.

Getting all of the adequate insurance policies needed wasn’t on my radar.

Learn from my mistake and make sure that you have all of the insurance coverage in place as soon as you being practicing. Insurance helps safeguard our wealth by absorbing potential loss and mitigating our financial situation.

There are many types of polices that you should consider. Make sure you research those that you need or find an agent that can guide you.

Another thing you should do is re-evaluate your policies on an annual basis. For instance, we noticed two years ago that our health insurance premiums were going to triple. I began researching online and with others and ended up dropping it and going with a much more affordable option, MediShare.

You can read about it in more detail here.

5) Our home is our biggest expense. (“Make of thy dwelling a profitable investment”)

Of all of the lessons mentioned in the book, this one could be the most debatable. I understand the principle behind it; rather than pay a landlord rent each month, it’s better to pay a mortgage to eventually own a home.

Our homes are potentially the biggest expense we have to tackle and there’s nothing wrong with following this lesson as long as we approach it correctly.

If you follow Dave Ramsey’s real estate principle, then you know:

When you buy a home, put at least 20% down on a 15 year, fixed mortgage. The monthly payment should be no more than 25% of your take home monthly income.

Many people got burned in 2008 when they decided to take on a huge mortgage. Once the real estate market tanked, they were left with homes that lost their value and many had to go into foreclosure.

If you follow Lesson #2 and live below your means, you’ll be in much better financial shape when it comes to making larger purchases in the future.

6) Have a retirement plan. (“Insure a future income.”)

A 25 year old earning an annual salary of $40,000 with an annual raise of say 3% will have earned an estimated $3 million if they retire by age 65. That’s about 40 years of working and earning. We should have a retirement plan if we want to retire comfortably. We can do that by setting aside money to be invested for our retirement. There are many retirement investment plans out there such as 401K, Traditional IRA, Roth, etc. The younger we can start putting money away for our retirement the better. When we start putting money away for retirement early we take advantage of a magical thing called ‘compounding interest‘.

Our net-worth does not equal our self-worth. We need to keep them separated. Compounding interest is known as the eight wonder of the world. Benjamin Franklin knew of this knowledge. Did you know that Benjamin Franklin left 1,000 pounds (about $5,000 in today’s money) when he died to a trust. He bequeathed that trust and left it to his favorite cities Philadelphia and Boston with the provision that the money was to remain untouched for as long as 200 years. What was left in the trust after it grew was the amount of $2 million given to Philadelphia and a whooping $5 million for Boston. The lesson we can learn from this is to make time work for us when we plan for retirement by starting early. Time can be our retirement’s greatest friend.

“Remember that money is of a prolific generating nature. Money can beget money, and its offspring can beget more.” – Benjamin Franklin

7) Invest in ourselves. (“Increase thy ability to earn.”)

The best way we can increase our earning is by investing in ourselves. We can do that by continually learning and striving to develop ourselves. We are now in a very exciting time: the Information Age where knowledge is literally within our fingertips thanks to the Internet. I really love the OpenCourseware idea where many schools including Ivy Leagues post their whole class courses for free. It’s a great way to learn on our own. Another one is Coursera which has many online courses for free from Finance to Philosophy, check it out.

“Those eager to grasp opportunities for their betterment, do attract the interest of the goddess of fortune. She is ever anxious to help those who please her. And who is she pleased with? She is pleased with those who do – rather than those who merely talk and engage in wishful thinking. Action will lead you forth to the successes you desire.”

There are many things we can learn on our own and should strive to make ourselves well-rounded. Whether we learn to eat more healthy, enhance our current work skills, or learn to make more money, we must take the initiative to invest in ourselves. When we become smarter and wiser our ability to earn more also increases.

The 5 Rules of Gold from the “Richest Man in Babylon”

Gold comes gladly and in increasing quantity to any man who will put by not less than one-tenth of his earnings to create an estate for his future and that of his family

Gold labours diligently and contentedly for the wiser owner who finds fir it profitable employment, multiplying even as the flocks of the field

Gold clings to the protection of the cautious owner who invests it under the advice of men wise in its handling

Gold slips away from the man who invests it in business or purposes with which he is not familiar or which are not approved by those skilled in its keep

Gold flees the man who would force it to impossible earnings or who follows the alluring advice of tricksters and schemers or who trusts it to his own inexperience and romantic desires in investment

8) Track Our Wealth. (Know where you are and where you are going.)

In order for us to know where we stand financially we need to face the whole truth of our current situation. We can do that by tracking our current wealth or lack thereof. This is a tough exercise but we must face the truth of how we earn and spend our money in order for us to know where we are going. There is a big difference between wealthy people and those who are not, wealthy people know their net worth while the poor do not pay particular attention nor care at all about tracking their assets and liabilities.

“You cannot manage what you do not measure.” – Bill Hewitt (co-founder of Hewlett Packard)

We can track our wealth by creating a spreadsheet of all our months earnings and expenses and tallying the difference between the money we earn and how much we spend. When we do this work we are able to gauge how we are doing financially. We can also track our net worth by calculating our assets versus our liabilities (our debt). If you have not done this work yourself it is an eye-opening experience. In order for us to fully develop a plan to be wealthy we need to learn how to track our wealth so that we may know where we want to go and create a plan to get there.

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theokbrowne · 6 years ago

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Different Perspectives in Commercial Real Estate Property Market Analysis

Commercial real estate market analysis is important to anyone involved in property markets: developers, users, investors, brokers, financial analysts, and government officials. Each has their own perspective and it’s important that you understand who the players are and what’s important to them. If you want to get deals done you have to listen to everyone’s needs and accommodate them the best you can, especially when buying or leasing commercial real estate in Austin, Texas!

Developers must understand factors such as rent levels, construction costs, absorption, underserved markets, and the cost of capital to be able to make good decisions about where, when, how, and whether to develop. Users who plan to rent commercial real estate space need to know current quoted market rents as well as future rent increases, size space needed, and for how long they want to rent. Purchasers, both investors and users want to make sure they don’t spend more money than needed. Commercial real estate agents need instant access to market information if they want to be credible at representing tenants or landlords. Financial analysts need to be able use market data to determine risk vs return for their investors. Government officials depend on commercial market analysis to plan and forecast for future human resources and infrastructure.

It’s important to analyze the market from different perspectives. Below are examples of each.

Developer Perspective

A developer needs to know that there will be demand for a building when it’s ready to occupy. Because development periods can last as long as 2 years or longer they need to know the demand for commercial real estate when they start construction and forecast demand at the time they complete construction. They must determine whether there is a shortage of supply of a certain kind of commercial real estate and whether there will be enough absorption at a rental rate needed to make a profit.

User Perspective

Users of commercial real estate whether leasing or buying want to make sure they are getting space at the lowest possible cost. They must make decisions about whether to purchase, rent, or build, which means they must know market conditions such as land costs, construction costs, purchase prices, and rental rates. Users also need to determine whether lease terms in a particular market are flexible to meet changing space needs, the share of expenses that commercial tenants typically pay in a certain market, and how much rent they will have to pay if they want access to certain markets.

Commercial Real Estate Agent Perspective

Brokers need to stay updated on the market to be credible with their clients and prospects. A tenant representative who pay a higher rental rate than they have to will not survive long; nor will a landlord representative who leases space to tenants at below market rates.

The best commercial agents keep a pulse on the market 24/7 and know what is available now and in the future.

Investor Perspective

Market analysis is important to investors because they need to info to calculate the feasibility model. For new construction, information on rents and expenses comes from market analysis. For existing properties, assumptions about rents vacancies, lease expiration dates, etc come from market analysis. Investors also need market data to calculate their return on investments (ROI’s), the weighted average cost of capital, and capitalization rates (aka CAP rates). All the ingredients in discounted cash flow models come from market analysis.

Financial Analyst Perspective

Financial analysts must understand the risk characteristics of a certain market to evaluate debt and equity investments. Markets supported by weak companies or by undiversified economies face more risk then markets that are more diverse with strong companies. Consequently the required rate of return must be higher in riskier markets than in less risky markets

Government Perspective

Government officials need to forecast and estimate future macroeconomic conditions in order to forecast and plan for future infrastructure and staffing.

On a microeconomic basis, government officials often want something in exchange for granting development entitlements. If they have knowledge of market conditions they can make demands of developers. For example, if they know a developer has a great location and wants to build something they may decide to require off site improvements from the developer. Developers must also use market analysis to educate government officials about market conditions. If a government official is concerned about a lack of affordable housing and a developer can demonstrate a large gap between demand for and supply of housing, the official might be persuaded to approve a large new residential subdivision.

Conclusion

As you can see each player in real estate has a different perspective and it’s important that you understand not only your needs but their needs. If you want to make deals happen in your market you have to know all the players and the impact that your project will have on them.

#real estate services #commercial real estate agency #office space rental agency #warehouse space ren

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decadenttimetravelmentality-blog · 7 years ago

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I need as much help and info about mopeds (UK) as possible please!?

What are the best types/ names of mopeds suitable for a girl? Do you have to take a test or lessons to drive a moped? If so how much does this cost? How much on average would insurance be for an 18 year old first time driver for a moped? How fast can mopeds go, and can you drive them on motorways? Any other useful information would be appreciated, thanks if you can help!""

Will my auto insurance rate be raised if I have liability only and my car got stolen?

My car got stolen. Will my rates go up? I won't have another car for a few weeks and i'm going to have to get comprehensive. I just wonder if my comprehensive rates will be now more expensive.

""Which is better, Term Insurance or Whole Life Insurance?""

Say you're newly married and the wife is pregnant. You have just bought a home and have a large mortgage. Which kind of insurance is best for a family, Term Insurance or Whole Life Insurance?""

Im a 20 yr old female- much would it cost to insure a 1.4 2007 astra sxi?

JUST PASSED TEST. Its insurance group 6 Tanks

What are the steps needed to sell health insurance and/or become a broker/agent in Minnesota?

What are my best options for cheap car insurance?

I have just passed my driving test and I am looking to buy a car. I'm 21 year old female, and obviously I haven't got any no-claims or anything! Ideally I am after a little 1.0lt KA or Corsa. I've had a look on Compare the market etc and I've been quoted at 2,100 as being my cheapest offer on my own policy! My dad drives, but he is taking some convincing when it comes to insuring me on his policy! Basically I am wondering what the best way is to obtain cheap insurance!""

""What is a sporty, efficient, nice looking, affordable small car?""

My fiance has been looking at cars to buy. We plan to buy used and pay cash with about a $7,000 price range. First she liked the Pontiac G6 but we read tons of terrible reviews and decided against it. Aswell as the G5. She says she wants a sporty yet classy car. She likes the Cobalt alot. I have read mixed reviews about it and also questioned fuel mileage and insurance costs. Please help! She is getting discouraged and I really want to make her happy in looking for another car. I know theres one out there somewhere...""

What is the cheapest Sr22 insurance in california?

I am 20 years old Dwv suspended my liscense for a year,i payed all my ticket fees,they were all mostly speeding,i had a total of 6 points on my record.where can i find cheap liabilty insurance?""

Cheapest Car Insurance Companies For A 17 Year Old Boy?

I've done a lot of research and can't find anything less than around 2500 a year, any good companies that can can give me a better quote? I'm thinking about getiing a Renault Clio or a VW Fox if that helps. Any tips or suggestions for good insurance companies would be much appreciated!""

Does insurance get cheaper with age or experience?

(UK) - I passed my test last summer. Just wondering does car insurance for young people get cheaper with how many miles they've driven/owned a car/been with an insurance company etc OR is just how long you have had your licence for? Cheers

Can an employer charge women employees more for health insurance than men employees in a group plan?

I was offered a job and I asked to review the companies health insurance information prior to accepting the job. I found out that for their group insurance it's broken down by age and gender. A man my age's employee contribution monthly would be $140 cheaper per month than mine just based on gender and not taking any lifestyle choices into consideration. Everything about this screams lawsuit to me but I've found some differing information on this. With the Affordable Care Act Gender rating is not allowed in the individual market but it does nothing to ban this practice in the group setting from what I've found. Thoughts? Ideas? I've turned down employment with this company based on my personal beliefs.

What is the cheapce for teenagersest auto insuran?

i am noiw 19 and need cheap insurance

Online Instant Quotes Insurance for teenagers?

Out of curiosity, I happend to try the Instant quote thingadoodles on the various insurance websites (progressive in particular)... and knowing how high insurance is for teenagers, I decided to try getting a quote for an 18 year old, on various vehicles (ones I own in particular). Basically, I got the quote for a 1998 Ford Crown Victoria (non-P71), and the outcome was right around $2500... for six months??? That's $5000 a year! Are these online insurance quotes realistic? I see a lot of kids driving full size trucks around, and I really wonder how they can afford insurance... but for a fat-cat luxury car, they're charging horrendously! Are these quotes realistic? Next up, I really wonder how all of these kids are driving SUV's and full size trucks.""

Affordable health insurance for a 19 year old?

I am a 19 year old white female, i live in California, i go to a community college part time, and i babysit and work part time as a substitute custodian(no benefits). Im looking for really cheap even free health insurance since I make roughly $120-$400 a month. I've looked at my school's health care, it doesn't cover what i want(just covers family planing and std test). I would like something that would cover doctor visits or i pay a small copay. If anyone knows what i can do or where to look, i would greatly appreciate it.""

""Is it possible to buy a car insurance without owning a car, and then use it for renting a car?""

I live in India and frequently travel to USA. And when I go rent a car, pay almost double the rental because I have to buy all the coverage. I was wondering if it is possible for me (or my company) to buy some sort of protection policy, using which I can rent the car and not have to buy insurance from them.""

Is Mercury Insurance good?

cause i know its really cheap

Name a type of car that is cheap on gas and has cheap insurance please?

It has a be a type of small car obiously(:

Do I have to buy health insurance under Obama care?

I am a single mother 44 years old, I live with my 16 years old daughter in Colorado. I make about $ 24000 a year, my daughter and me are very health people and we never go to the hospital. We never buy health insurance before and have no idea about it. I heard under new law, I have to buy some kind of health insurance, anyone know which one has the lowest rate and how much we have to pay every month? many thanks.""

""Is car insurance on a coupe, two seater car really that expensive?

or is it only like $20 extra as compared to a regular four door? my mom makes it sound like its another hundred....

NEED HELP FROM CALIFORNIA RESIDENTS about car insurance!?

We recently moved, and I called my car insurance agent today trying to change my zip code. My insurance company (Mercury) wants to charge us extra $150 for a 6-month period. As I recall, wasn't there a law passed last year against insurance companies from using a zip-code-based system? And when we brought that up to her, she just said we haven't gotten any notice from Mercury so we're still going to charge you for moving. Anyone knows what I can do about this? Thanks.""

What Insurance Company is it?

does anyone know the insurance company that offers burial insurance and the information comes to you in a Green envelope with a picture of a african american couple in the 60's on it need desperately.thanks

""On average, how much does home owners insurance cost?""

I'm filling out somethings for a project for one of my classes. I do not at all need this number to be accurate, I am not going to go and speak with an insurance agent, I just need a number that is about what I would be paying forinsurance if I bought a house.""

What is the Cheapest Car Insurance For Young Driver?

18 Year Old, Male, Vauxhall Corsa 16V (1.2) Worth 1000, Full License Held for 2 Month, Access To Company Vehicle (Ex Personal Use), Mileage up to 5000 per year, No PASS PLUS, Social Use and kept on a public road.""

Short-term car insurance in the US?

In the following year I'm going to have several visitors coming for just a few days and I want them to be able to use my car. I'd like to know if there are companies that offer short-term car insurance.

Why do insurance rates vary so much between states?

Sometimes states that are right next to each other have totally different insurance rates from the same company for the same car and driver. It's not like driving magically becomes more dangerous when you cross the state line, so why does this happen?""

How important is insurance to you?

Insurance companies sell them in many different forms. Life , Critical illness, Pet etc... We never used to have so much insurance in good old days but nowawadays we seem to have an insurance product to cover almost everything.Although the need for insurance is very much there do you think we are being tricked by the companies..? What are your thoughts / experiences? (well lets not talk about car insurance as its a must to have)""

Can car insurance companies check if you drive another car ?

if you get a car insurance quote and you say you have access to another car in your information is there any way they can check ? I have just renewed my car insurance and noticed that it was cheaper when i said i had regular use of another car. The thing is i do have use of my brothers car but im not an actual name driver on the insurance. My brothers car is fully comprehensive and thinks that anyone can drive the vehicle. Is this true ? i dont get how my insurance company are going to catch me out if im driving my brothers car without any mention of my name on his insurance

Does any one know a really cheap car insurer for young drivers?

i need insurance quick. does any1 know areally cheap insurer?

Insurance to drive in Florida?

I am 18 and live in Florida. I don't have my drivers license because my parents say I have to have a job to pay for insurance..Ive been looking for a job for a while now but no one seems to be hiring in my area. I know my parents will pay for my insurance if it was cheaper..right now its around $200. I read that if you're driving someone else's vehicle then you don't need insurance as long as the owner of the vehicle has insurance..can someone please explain this to me? Will I be able to drive without insurance?

Cant afford health insurance. can new york child support make me get health insurance?

my husband has another child in new york and we recently moved to pa and there trying to get him to get health insurance that he cannot afford. Can they do that or can he call them and tell them he cant afford it. He doesnt even have medical for our children or himself.

Pregnancy and insurance?

I am five weeks pregnant and do not have any insurance. I cannot afford too expensive insurance. Is there any other option for low-cost coverage during pregnancy? Does anybody know what kind benefits California state offer? I live a few years in the United States, so I am not familiar with types insurance. Thank you for any suggestions and help.""

""If you can't afford car insurance, then you can't legally drive. If you can't legally drive, you can't...?""

If you can't afford car insurance, then you can't legally drive. If you can't legally drive, you can't get to your job. If you can't get to your job, you lose your income. How is this fair????""

Rental car insurance?

Recently, I had a car accident. The car I drove was fine however the back of right bumper of the parked car was cracked and torn off. I was reversing parking and accidentally pushed the gas pedal hard. I talked to the owner of car and he said he will contact his insurance. The car I was driving was a rental car from hertzondemand.( Insurance was covered in the rate) Hertz said I have to submit the collision report from police station. I am seriously horrified of thousands of dollar that I probably have to pay. I do not own a car nor automobile insurance. But I do have an amex gold rewards which has Damage Insurance but I dont think it covers for the car I hit as well. I have been reading XII.LIABILITY PROTECTION under terms and condition over and over again but it gets me more confusing.https://www.hertz247.com/alberta/en-...20of%20Alberta Am I gonna pay for $250 and rest of them will be taken cared by hertz? Can someone clarify XII.LIABILITY PROTECTION?""

Cheapest car insurance companies??? help?

Me and my bf r trying to move in but his insurance rate is up the roof, he had a terrible car accident in nov. 2 speeding, 2 reckless, 1 failure to stop a light. I know its a lot but ...show more""

Best ways to lower the car insurance for a 17 year old male?

Hiya. :) And yeah, this is a lovely situation, lol. :P I'm aware that no matter how I look at this, the price is going to be a punch to the head. But I'm in need of a car ...show more""

Is there any user friendly and cheap motorcycles out there?

Hi, I'm 17 years old and looking to get a motorcycle. I have good grades and will only drive a motorcycle when the conditions are right. Like weather, cars on the road Sat. Sun. which has less cars, and going to school and to work. I don't care if I die and I'm not afraid to die. I have $7,000 saved up in the bank and would like to buy a Ninja 250 for $3,500 -2008. Plus $400 for gear and classes. I will get my driver's license this December and will take the MSD courses in spring of 2010. I can't find any used or cheap ninja 250's around my area and I think I would rather go stright to the dealer rather then the seller because of too much red tape and work. I think my insurance will be cheaper because I will ride only to school and work and I have good grades. Even though I am young. SO, is there any place I can find any user friendly bikes or cheap ninja 250's?""

""50cc bike insurance, need help!?

Well i need to get a bike to get around more.. and its like a 2000 reg bike that i found which is in pretty good condition.. and i've got my provisional etc.. and my CBT but the insurance still comes out as 560!? is there anyway of getting it lower?!

How much would the insurance be for a Porsche Cayenne Diesel a year?

The insurance would be for a female driver with over 25 years of experience. How much would it cost a year, and also how much would the monthly diesel bill be? Thanks""

Insurance question on a 2008 Hyundai Tiburon GT?

I'm a 16, almost 17 year old male. I got a citation in late May. I have a suspended license until November 3rd, my birthday. how much monthly, and yearly will insurance cost me on this car, roughly? I live in Ohio.""

""Where are some companies in Memphis,Tn I can find cheap auto insurance?""

Where are some companies in Memphis,Tn I can find cheap auto insurance?""

Low car insurance for new driver age 37 who has just passed. I live in the U.K.?

Can anyone give me advice where to get the cheapest car insurance in the U.K. I have just past my test and I am 37 years of age. I am looking to get a 1.3 engine. The chaepest quote I have recieved is 789.

Is Mercury Insurance good?

cause i know its really cheap

Illegal car insurance?

My EX boyfriend went behind mine and my moms back and illegal put insurance on his car in my mothers name. I guess he knows a employee at a insurance automotive and illegally put it in her name without her consent. His friend who was driving the car hit some car today and called my mom and told her everything and now she wants to claim fraud. Who gets in trouble? My ex boyfriend for doing it illegally? The employee who let it happen? His friend who hit the car? Or my mom because they may not believe he did it illegally? BTW; my ex boyfriend owes money to his insurance thats why he couldnt put it in his name

Can I insure a motorcycle at age 16.?

I am 16 and my parents are not ok with me getting a motorcycle. They were, but now they're not. I have a motorcycle permit and want to buy a motorcycle and I want to know if I can insure it with just that. Can I? EXPERTS ONLY""

What are my options to get my car back from the insurance company?

I got into an accident about a week ago. the front passenger side was damaged. the insurance company told me today that it was a write off. they wouldn't be able to fix it, which is complete bull. It is a 98 Honda Civic with 200,00 km on it, and they are giving me $2800. What can i possibly do? Can I get my car back and repair it myself (by myself i mean a bodyshop i will take it too out of my own pocket)? What happens in that case? Will they give me any money or would i have to pay them?""

Would a 4 door suv be cheaper on insurance than a 2 door suv?

well called an insurance company the other day, the person on the phone said it doesnt matter how many doors there is on it, it depends on the make and model.I dont know if she just thought i was talking about a pick up truck or what but shes has me confused i appreciate the help.""

Functions of auto insurance and coverage characteristics?

I'm doing this for school, and she only posted a table. We have to figure out what are functions of all insurance and coverage characteristics of all. I may be overlooking this a little to much. But if someone could help me out that would be great and I appreciate it.""

Driving a car with no insurance and no plates help?

im going to buy a car tonight, can i get in trouble for driving it to my house with no plates and insurance""

""What are the monthly/weekly costs of running a car? (insurance, registration, petrol)?""

im looking at buying a car, im 17 i have had my licence for about 3 months and i want to know how much i should be expecting to pay for insurance, registration, petrol etc, for a 4 cylinder proberly auto and ranging from 1990 to 2000 year. thanks :)""

How much are typical monthly home owners insurance rates?

i am doing a school project and the only way to figure it out is to call and talk to a reprisentitive, and i would really rather not. I just need a ballpark figure... $500? $1000? any ideas?""

Minimum insurance for heating/plumbing business in Ca?

What is the minimum insurance that an owner of a heating/plumbing business must have in California?

Car insurance for married couple!?

Hey there! My wife and I both used to have our own car insurances until a few months ago when we decided to drop hers and add her to my policy to save some money. She got into an accident the other day; everyone's okay and it hasn't been determined who was at fault yet. I was wondering if this is going to affect MY driving record as well considering that we are sharing a car insurance policy? I realize that our premium might go up but I guess I want to know if the premium would go up even if we decided to get her off of this policy and find her a separate one with another insurance company. Do insurance companies look at which driver and which vehicle (we each have our own car) was involved in the accident or does it all just go by the policy number?

Use my insurance to pay for high repair costs?

My vehicle was vandalized and due to that I have Many scratches and dents to the sides of the car. My insurance estimate 2100$ worth of repairs in which I pay 300$. Initially the representative told me that my insurance would not go up monthly because I don't have a.bad history of claims n the incident was not my fault. But that was before they appraised the car so now they would have to give me 1800$ and im.not sure whether I should go through the insurance or not I don't want to affect my monthly payments. Any suggestions?

Florida Health Insurance Question?

A friend of mine has Blue Cross Blue Shield through his employer in Florida. His premium is a whopping $600.00 a month. He wanted to lower his premium and his employer says he can't change his insurance plan. He wanted to cancel his insurance and his boss says he can't, unless he fires him. I told him it sounded as though his boss is ripping him off. He contacted Blue Cross Blue Shield and they told him his boss has the right to charge ANY amount he wishes. They would give him no information about his premiums and referred him back to his employer. My friend doesn't even remember if he ever got his paper policy. All the links to write the insurance commissioner has not worked. Can anyone tell me out there if it isn't true that it is anyone's civil right to cancel an insurance policy and what my friend might do next?""

AFFORDABLE auto insurance for 18 year old?

I am 18 years old. I live with my mom and younger non driving brother. My mother does not have her licence because she is not well and my little brother is to young to drive. I am ...show more

What is 20 year term insurance?

Is it a good kind of insurance. I will be 49 in two months. Does it mean if I die outside of the 20 years it doesn't pay off?

Is my credit card insurance enough for car rental?

I do not live in the US and do not have a car insurance policy in the US. I will rent a car when I visit and use my credit card to do so, but is the coverage that comes with the credit card use enough? Should I also purchase the rental company's policy?""

Question about teenager insurance?

if i put my son on my insurance policy and he gets into an accident with his own car does my insurance go up. or does his when he turns 18. also how much? would it double?

My husband needs life insurance but has diabeties?

My husband needs life insurance about 50,000 but want payments cheap payments 40.00 monthly. We been trying to find some life insurance but some dont take with diabeties. My husband doesnt take insulin. Hes ranging about 100 to 180 every month on sugar level.. Any ideas on life insurance we should quilified!!!""

Is there any site you can go to and find how much car insurance will be?

i am trying to get a 1997 chevy caviler the insurance will be in my name the car i have right now its in my stepdads name i need to find out about how much ill be payin car insurance so i know if i can afford the car or not

What kind of deaths does life insurance cover?

Would it cover something like a heart attack or stroke?

2008 Pontiac Torrent WRECKED PRICE ??? Insurance adjustor question?

I have a 2008 Pontiac Torrent that was recently hit while park heres a list of what was damaged Rear Axel is twisted all rear suspension QuarterPanel Rocker Panel Tail ...show more

Cost of insurance for 2nd gen Toyota Mr2?

Would you pay a higher insurance on this car than a normal car? what about a turbo? I got an online insurance quote and it was about $600/year for liability and $1000/year for collision coverage, does this seem like a fair price? I'm almost 19 years old and have a clean drivers record.""

I am trying to find the type of car with the cheapest car insurance for my age and details?

Where online can i find details on lots of cars as gocompare.com etc... need you provide details on a certain car

What do you pay for auto insurance?

Do you consider it reasonable or not? thanks for answering. Please let me know where you are from. just looking at the statewide quotes.

""Car licence ,where to get a cheaper car insurance?""

Hi there, Looking for cheap insurance? Im 17 near 18 ;) yesterday I past my exam and now Ive got the licence, but insurance is so expensive for me. Ive done the compare and the result was 17 000 for a year :( Please any advice to make it cheaper? Thank you all in advance. Cheers and have a good day.""

Buying a new/used car & insurance?

Okay, if you are buying a new/used car will they refuse to sell it to you if you have a warrant? How about insurance will the insurance company refuse to insure you & your vehicle if you have a warrant?""

Is Mercury Insurance good?

cause i know its really cheap

Why does insurance cost less for pleasure use rather than commuting to and from work?

Insurance cost/ car cost?

ok i live in canada, and i am saveing up for my first car, what is the cheapest car i can get, cheap but still a good car, a standared car not a stick. and how much insurance will i have to pay for this car. no i only got pulled over once but that was 2 years ago, will that take an effect for my insurance .........""

Can you get insurance on a car if the owner of the vehical doesnt allow it?

Maturnity insurance?

do anyone know of any insurance that cover maturnity that will not cost an arm and a leg. my husband had good insurance and they had a lay off and friday is out last day with that insurance so does anyone know of any insurance for maturnity coverage that would be a great help.

""If someone gets in an auto accident with someone else's car, whose insurance is notified?

Mother and daughter have auto insurance together. Daughter lets her boyfriend drive and he rear ends a car and does very little damage (broken tail light) to other car. He has his own insurance for his vehicle. Which insurance do you call? No accident report was done by police.

Insurance for a Range Rover Sport?

I'm turning 16 in about two years, and i was thinking about getting a 2010-2012 RR Sport Supercharged. I was wondering how much it would cost for me to get insured. Do you have a range of what it would be around? My parents are already letting me practice driving and stuff. The car would be around $30,000-$45,000. My family is in the upper-middle class. So we're not all that rich. I will be working by that time and paying the car off.""

""How much could be the average insurance for a SMART car in Germany, Freiburg?""

I want to buy a used car, from 2002 or something like that. I need a small car, like Smart For Two.""

Speeding ticket in a rental car raises my insurance?

Hey forum, I got a 34mph-over speeding ticket in some tiny texas town in my rental. I didn't give the cop my insurance b/c the car was insured through my credit card. How will this affect my Texas Farmers insurance rate? Thanks heaps""

What is the average cost of mobile home insurance in ohio?

I'm thinking about moving to Gnadehutten Ohio into a 3 bedroom mobile home, but I am worried the home owners insurance will cost me an arm and maybe a leg????""

Can i get insurance on my car with out a licence?

Im 18..and i have a car..i dont have a licence yet...only my permit..so can i still get insurance on the car with out a licence?

""In California, are you required to have health insurance for your child if your job offers family insurance?""

1. In California, are you required to have health insurance for your child if your job offers family health insurance (medical, dental and vision) for you and your child? 2. does the court require you to sign up your child through your workplace's health insurance (family plan)? note: I am a noncustodial parent""

Looking for good car for insurance?

Im looking to get a new car but i was wondering if there was a website that listed how much insurance might run me. dont really need exact priceing just looking for ballpark figuer.

Does auto insurance.... ?

if lets say i hit a car with my car and the other guy claims the accident does the my auto insurance investigate the accident at all or do they just fix the car without asking questions??? im comfused

What kind of insurance do used car dealerships have and how much does it cost?

I looking to start up a small used car dealership. What type of insurance do I need and what would it cost me Im only looking to open a small lot with about 5-8 cars at a time thanks

Getting a ticket for no insurance?

how much does it cost for getting a ticket for no insurance in california ?

Car Insurance Issues?

So I've just passed my test, looking to purchase insurance on a car (peugeout 1.1 fever) and the prices they're, sky high! My dad currently has a car with 5years ncb. I figured that if he ends his current policy on his car (which he paid annual for) and begins a new policy for my car using his 5years ncb it would be all cheaper. Then if he started from scratch on his car again. So basically hes ending his policy in order to transfer the ncb onto my car, him being the main, and me being an additional driver and starting from scratch again on his original car. Only query i have is, Is it legal? Is any part of the above illegal? Thanks guys for the help :D""

Affordable and good quality health insurance?

I'm looking into purchasing some health insurance. I'm 20 years old with no major health concerns. I'm thinking about Allstate but I hear it's around $100 a month.

How much will my car insurance cost?

I am seventeen years old, I live in New Jersey and my car is a two door 1997 Honda Civic EX. I am turning eighteen in two months. Which car insurance providers will be the most likely to give me good deals, and roughly how much would I be paying?""

Looking for individual/family health insurance in Arizona...?

I am a stay-at-home mom (in Arizona) and I need to get health insurance. My boyfriend (and our toddler) have insurance through his employer but it's like $400/month for just the two of them and it doesn't cover much. To add me to his plan we would have to get married first and it would be over $200/month more than he's already paying now. So that's over $600/month for insurance that doesn't cover much. It doesn't seem like a very good deal at all. So I'm looking for a health insurance plan that would take all three of us as an unmarried family, for less than $600/month. So far I don't see any that cover maternity, and we do want to have another child within the next year or two... We don't get sick often, but our baby needs her regular checkups and vaccinations, we need our regular checkups, vision and dental, and of course catastrophic coverage in the event something really bad were to happen. I don't see much purpose in me having insurance for myself, a young woman, that doesn't cover maternity or birth control, other than for the sake of catastrophic coverage. But if need be I could get my own insurance plan for maternity/birth control/whatever if I could find an affordable one, and they can be on their own plan that doesn't cover maternity. Blue Cross Blue Shield has some cheap rates but they don't cover maternity. Neither does Aetna. Cinergy is too expensive for just me, let alone my family too. So my question(s) to you specifically are: Can you suggest any health insurance companies that cover maternity? Can you suggest any that are affordable? Can you suggest any that would insure us as a family even though we are unwed?""

How can I lower my car insurance rates?

I'm 17, and got a car a little over a month ago. My car insurance (with Gieco) is $250 a month. My mom's is $100. I'm on her plan, or something. I never took drivers ed (and with two jobs, school full time, and online classes, I most likely never will). I do have all A's though, does anywhere give a discount for that? I've got no tickets or accidents. Please help me find something cheaper!""

Is it true that the older you get the more car insurance you pay?

My father lives in california and received his car insurance bill , he's 80 yr old. within the last year never received a ticket of any kind or was in an accident. and now he's paying more. Does that sound right?""

I applied for Car Insurance and...?

They asked me if there any other drivers in the house. I told them my parents and my older sister have insurance.. I am 24 and they said thanks for telling us? The question is does that mean they can once in a while borrow my car and they are covered?

How much would motorcycle insurance be for a 17 year old?

I was looking at either a 2011 Kawasaki Ninja 650R, a 2011 Yamaha FZ6R, or a 2009 Suzuki SV650SF. I live about 50 miles away from Washington D.C. in the suburbs. My grades are A's and B's and I'm in 2 AP classes. I've never had any traffic violations for a car, not that it really matters when dealing with a motorcycle.""

Immediate Medical Insurance Help Required?

Hi I am Rishika from Bangalore. I am new to this place. I had got a medical insurance done for my parents but It got expired one month back. Unfortunately, my mom is due for a surgery in the next week and I am looking for any quick medical Insurance help that I can get. I understand its too late to get a medical insurance done. I can arrange for the medical expenses by hand as of now. Is anyone aware of any policies from which I can reimburse the amount later. Or is anyone aware of any medical insurance people from whom I can make a deal and make it a cashless transaction using the insurance policy?? IM confused like hell. Please please help :(((((( :( Yours, Rishika""

Classic car insurance?

I'm a young driver, no previous accidents, honor student, plan on driving something close to, if not exactly, a 1965 Type 2 Volkswagen Bus and can't find much information on insurance. I've queried my insurance agent, but I'm a bit impatient for results, haha, and also I'd like to see what other people with classic cars have done about this dilemma. :) Thanks for reading.""

Is Mercury Insurance good?

cause i know its really cheap

https://www.linkedin.com/pulse/car-insurance-title-question-zerneisen-sasha"

0 notes

rlinvesta1 · 5 years ago