#affordable living trust San Jose ca | Explore Tumblr posts and blogs

roguetatertot · 7 years ago

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Rules: Answer these 85 questions and tag 20 people

IDK who to tag. oAo

Tagged by: @kimievii

What was your last…

1. Drink: Coffee!!!!

2. Phone call: My mommy about some cute curtains she got for my Grandpa.

3. Text message: To my brother about my new modem.

4. Song you listened to: Something on Diamond City Radio in Fallout 4...but can’t remember which one it was.

5. Time you cried: Like two weeks ago when I saw something sad on Facebook about a dog’s final day, and then I cried into my dog (who wanted nothing to do with me at the moment....the jerk)

Have you ever…

6. Dated someone twice: Yep. My first boyfriend. He broke up with me on my birthday and then exactly one month later he came crawling back to me.

7. Kissed someone and regretted it: Nope.

8. Been cheated on: I’m like 95% certain my first boyfriend cheated on me.

9. Lost someone special: Do pets count?

10. Been depressed: What? Me? Depressed? HAH! (That’s sarcasm btw)

11. Gotten drunk and thrown up: Nope. I don’t like alcohol.

Fave colours

12. I was so obsessed with turquoise that I got entirely sick of it.

13. My old favorite color used to be red.

14. I really don’t have one right now I guess.

In the last year have you…

15. Made new friends: Sadly no.

16. Fallen out of love: Nope.

17. Laughed until you cried: While watching The Disaster Artist, I think.

18. Found out someone was talking about you: No, but I don’t care if people are anyway.

19. Met someone who changed you: Not in the last year, no.

20. Found out who your friends are: ¯\_(ツ)_/¯

21. Kissed someone on your Facebook friends list: Nope.

General

22. How many your Facebook friends do you know irl: Most! I have a few internet friends on there that I’ve never met in real life.

23. Do you have any pets: Three cats, a dog, a turtle, fish, and I dunno if my 2000+ worms count in my compost worm tower?

24. Do you want to change your name: No way. I love my name. Although I would change my surname to be one of the traditional Irish spellings. It got hacked up and changed when my great grandpa came here from Ireland.

25. What did you do for your last birthday: My brother and I are two years and two weeks apart so we celebrated our birthdays together on my birthday. The family gathered here at my house and we ate our favorite childhood meal that my mom used to cook! And we had a huge black forest cake which was sooooo gooooood!

26. What time did you wake up today: 10:30ish

27. What were you doing at midnight last night: Beating Fallout 4 (sided with the Railroad). I feel like I should’ve sided with the Institute after all was said and done, but oh well.

28. What is something you can’t wait for: Getting the FUCK out of San Jose, CA. I absolutely ABHOR living here and want to move to Oregon or Washington. This city has gone down hill and is just one giant cesspool of trash and trashy people.

29. What is your favorite animal: It used to be pigs, but I got burnt out from all the piggy things people would give me. I really don’t have a favorite. I love all animals....except sloths. Ugh.

30. What are you listening to right now: I’m listening to my dog panting. We just got done playing fetch in the yard.

31. Have you ever talked to a person named Tom: Yep! My grandpa’s name was Tom! Tom Tucker. He was a remarkable man and had some fantastic tales of his youth. He once was flying an airplane and thought he spotted a friend fishing down on some docks, so he dropped his cargo of tomatoes on him. Turns out it wasn’t his friend, but the mayor of the town. Oops.

32. Something that’s getting on your nerves: The city I live in. It’s so fucking noisy. Car horns, motorcycles, speeding vehicles, sirens....it’s all giving me bad anxiety as of late. I can’t stand it anymore. I can’t stand any loud noises, or really any noise at all now. Maybe I’m just getting old and grumpy. lol

33. Most visited website: I guess just google to google things. Or maybe Amazon.

34. Hair color: Right now it’s a mix of my natural medium brown with very faded blue and purple streaks. My hairdresser was sick when she bleached my hair and did my color, and so she didn’t do a good job bleaching it at all. It’s uneven and just.....icky right now.

35. Long or short hair: Having had all lengths, I think long hair looks the best on me. I love the ease of short hair, but my hair is so pretty that it’s kind of a waste to have it short.

36. Do you have a crush on someone: Actor Sam Heughan at the moment. But as far as someone I actually have contact with? No, no one. I’ve no interest in having interest, if that makes sense.

37. What do you like about yourself: I guess it’s my McGuyver-like brain. I can come up with some wacky solutions/fixes to issues or problems.

38. Want any piercings: Nah, I already have enough. In fact, I have three in each ear and I don’t even bother wearing earrings. They’re pointless.

39. Blood type: O+

40. Nicknames: Ziggy, Adriee, Adri, Sissy-Boo, my dad calls me Squirt, and my mom calls me Momma or Mommas. LOL go figure

41. Relationship status: Single and loving it

42. Sign: Pisces

43. Pronouns: she/her, although recently my dad called me Sir for some reason and I was like “Meh cool whatever.”

44. Fave tv show: Bob’s Burgers!

45. Tattoos: I really want one of my kitty’s paw, but I can’t afford it. Nor do I have a design in mind.

46. Right or left handed: Ambidextrous!

47. Ever had surgery: Yup. Microdisectomy on my lumbar spine back in 2009. I actually need orthognathic surgery, but that’s gonna be difficult to have done.

48. Piercings: Three in each ear, and my nose.

49. Sport: Hockey! Baseball is okay too.

50. Vacation: I really want to go to Scotland, Ireland, and basically all of Scandinavia.

51. Trainers: As in Pokémon or....?

More General

52. Eating: Nothing at the moment. Thinking about raiding my fridge soon.

53. Drinking: Watered down cranberry juice.

54. I’m about watch: IDK not in the mood to watch anything. I’m thinking about firing up Fallout again tho.

55. Waiting for: My workers comp case and Social Security Disability case to come to an end. It’s been going on for seven years and I’m just so over it all.

56. Want: To have my children’s books published. ; u ;

57. Get married: Ew gross no. I honestly can’t picture myself married anymore. That was something younger me used to daydream about, but now that I’m older and much more comfortable with myself, I don’t even entertain the idea. I don’t think I would ever trust anyone to fully love me anyway.

58. Career: Author. Hopefully a beloved and successful author of a children’s book series.

Which is better

59. Hugs or kisses: Neither, thanks. I don’t even really like when my family hugs me.

60. Lips or eyes: Eyes

61. Taller or shorter: I would hope taller, seeing as I’m short enough already as it is.

62. Older or younger: Older

63. Nice arms or stomach: I have a thing for arms.

64. Hookups or relationships: Neither.

65. Troublemaker or hesitant: Troublemaker. I love deviousness.

Have you ever

66. Kissed a stranger: Gross no.

67. Drank hard liquor: Yes but ew.

68. Turned someone down: Yep, especially when I worked graveyard at Walgreens. :T Got a lot of creepy men asking me out all the time. Shudder.

69. Sex on first date: Hahaha yeah right. I don’t even really like hugging on the first date. LOL About a year ago I went out on a date with some dude off OKCupid and as we were saying goodbye, he leaned towards me while closing his eyes and I just went “NOPE.” and got out of his car.

70. Broken someone’s heart: Probably.

71. Had your heart broken: Yep. Twice.

72. Been arrested: Not yet, but hey things could happen.

73. Cried when someone died: I cry when fictional characters die, so yes I have cried when actual people have died.

74. Fallen for a friend: Nope.

Do you believe in

75. Yourself: As in that I exist? Sometimes.

76. Miracles: I’ve been witness to a few strange things happening, so I guess so.

77. Love at first sight: Hell no, what am I, ten? Love at first sight is not real. It’s infatuation at first sight.

78. Santa Claus: I mean, why not? What’s the harm in entertaining the idea?

79. Angels: In a strictly mainstream religious concept? No.

Misc

80. Eye color: Hazel, gold in certain light.

81. Best friend’s name: Django, my doggie. <3

82. Favorite movie: Pan’s Labyrinth.

83. Favorite actor: Sam Heughan! Nnghgjkhsjdkghsd

84. Favorite cartoon: Toss up between Bob’s Burgers and BoJack Horseman.

85. Favorite teacher’s name: I guess it’d have to be my first grade teacher, Mrs. Little. When I was in the second grade, I would get horrible anxiety when there would be a project (like art or something). I’d cry for some reason, and the teacher got so frustrated with me that one time she kicked me out of the class. Mrs. Little was on a break at the time and so she took me out of school and drove me to her house while she did a quick errand (I’m pretty sure she called my parents and got permission first). She was nice to me and calmed me down. ; u ; Years later I saw her in a clothing store and she recognized me, and was so excited to see me. She told my mom that I was her favorite back then. <3

#ziggy's blah blah blah #thank you kimie #it's nice to be tagged #long post

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cilla44 · 7 years ago

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Wow long time no blog! I’m still alive gdi. I’m not in my most optimal state currently and I feel like I can’t form complete sentences again (hi there depression), but here I am giving an effort. I really wanted to write about seeing HIM 3 times in LA before the year ended (I saw them in October) but I can’t bring myself to finish the post. Let’s see if I can finish this one.

I think this year was full of a lot of mental illness issues and being a stronger advocate for what I believe in.

The things that used to make me happy or motivate me have no meaning anymore. I’m trying daily to find reason behind actions, but I end up disassociating at the end of the day. I think this year was supposed to play out like this however. I could say that I’m like the woman in the Amelie movie who decided to get her sleep over with in the beginning of her life so she can have more energy later in life to do things and this was my year to do that, or I can say that I’ve hit rock bottom and I can’t go anywhere else but up. Even if up isn’t enticing or exciting at the moment. I can’t go sideways but soon I’ll start looking up. I’m still being melancholic but I know the moment will happen. It’s how I tend to live my life. Pretty stable throughout the year then I get this burst of excitement to travel or change something up drastically. I trust myself.

I attended many PRIDE celebrations, was very outspoken about my sexuality, committed FULLY to being vegan, and protested when I could. I’m glad that I’ve found a way to support causes I care about in a way that makes a difference. Just educating people randomly on what Asexuality, Demisexuality, or Greysexuality is or even shining light on some aspects of the horrors of the meat industry gave me reason at the beginning of the year. I still fight for these ethics and will continue to make those who identify with my morals proud.

Right now I’m sitting in my empty apartment typing this on December 28 in the morning. I’m moving to San Jose in a few weeks with roommates, so I won’t be as single living as I would like but it saves me a ton of money to room with others and the girls are nice professionals. I’m moving again because I got another job offer. My previous job showed its true colors a few months shy of a year and that’s all I’ll say about that place. I’ll just keep doing my best and try not to stress too much. I’ve accomplished more than almost anyone else in my family so far (save my grandpa on my dad’s side and an aunt), so my biggest and truest critic is me.

I’ll type out my goals for the new year at the end of this post as well, but let’s get onto the monthly photo recap!

January

Moved from Manteca, CA to Fremont, CA.

Took a lot of time to meditate and explore spirituality. The above photo is from a park that I used to frequent on the weekends to give myself peace of mind.

February

Learned how to do my taxes myself.

Also learned how to not take everything seriously.

March

Birthday! Funny story: The cake above was sent to me at 8:30pm & because I’m paranoid I thought it was a bomb or something but then my mom calls me to say Happy Birthday & that she bought me a vegan cake from a bakery nearby LOL

HIM announced their breakup & I start planning for Tuska. March 5th, 2017

Became close friends with a dear friend from my shitty first big girl job.

Discovered one of my favorite podcasts 2 Dope Queens

April

Got invisalign! Finally right? Here’s the link to my Orthodontist if you’re keen.

Found out I have an enlarged right atrium in my heart which is why I feel like I’m having a heart attack often. Coupled with my spine being twisted it’s hard to breathe on my left lung. I should probably be more proactive about this lol

May

Got my 23&me test results back!

55% – East Asian & Native American

25.8% – Southeast Asian

21.7% – Native American

20.3% – Southern European

11.6% – Sub-Saharan African

6% – Unassigned

& some other fillers lol

Saw Sabaton in San Francisco with some Googlers & punched a guy for touching my butt

Momma came to visit! I bought her a vegan cake, cooked her vegan food at home, had her try Souley Vegan, took her all the way to Yosemite National Park, stopped by a random farm stand on our way back, took her all the way to Monterrey Bay, and of course a day in San Francisco where she rode the BART for the first time & we stumbled upon a Carnival celebration!

June

Spoke on a Google Panel about Asexuality

Walked in the San Francisco PRIDE parade with the ACE contingent. Super fun as always!

WENT TO FINLAND!!!!

Click to Enlarge!

July

Bro came to visit with his girlfriend so we spent the day in San Francisco

Had the most amazing and memorable time in Finland!

Met Ville Valo’s dad! He is the sweetest man alive!

Saw HIM at HAM (Helsinki Art Museum)

Went to the Moomin cafe & bought like every Moomin mug there!

Saw a ton of tourist attractions that were gorgeous!

Met so many friendly people!

Tuska was the BEST festival I’ve been to so far! Standing for 6 hours to see HIM play in their homeland was the best present I could ever give to myself!

I can rave about Finland all day so I’ll stop 😀

Spent a few hours in the absolutely beautiful city of Stockholm, Sweden! I definitely need to go back!

Spent a day in Estonia and visited the Depeche Mode Baar!

August

Went through a tough time but made it through because of the support of my closest friends and trusted family members.

Started recording Spirit Detectives podcast & started the Spirit Detectives blog with my best friend in Tejas.

Started working at my current job.

Family in H-Town survived Hurricane Harvey

Started up an apron business, Sioux Aprons, with my mom.

September

Saw Apocalyptica in Oakland!

Really delved into self care this month.

Volunteered at Oakland PRIDE at the Asexual booth

October

Managed through a huge NorCal wildfire

Got an IUD because my BCP stopped working.

Went to LA to see HIM for the last time.

Made so much eye contact with Ville (he sung to me so many times! How could I be so lucky!?), Burton, & Linde!

Was in either the first or third row in GA PIT and first row in GA.

Amazing amazing amazing

Got my first tattoo!

Saw Yelle live for the first time finally!

Went to Disneyland & Universal Studios again 🙂

October was obviously a month where I got some energy (besides June/July)

November

Saw Children of Bodom live for the first time! & was in 2nd row! They were perfect and amazing! The crowd was friendly and fun too 🙂

Started experimenting with Instagram: cilla44

@ellenwilbergart

December

Moved to San Jose

2018 Goals

Drink more water.

You get dehydrated easily and drinking water allows you to take a moment to calm down during the day.

Exercise 3 times a week.

Your scoliosis + your period doesn’t always allow you to work out consistently, but let’s shoot for 3 times a week. Definitely once a week for your mental health.

Live with no fear.

You’re always prepared for every and any scenario and how many times do all of them come true? When it does come true it was insignificant in the larger picture right? So stop wasting your time being anxious about the million of outcomes that could occur and just live your life in the moment. You know, most of your awkward interactions with people is because you’re waiting for them to react so that you can make your next move. When things happen just take them as they come rather than creating a safety net for yourself that doesn’t help you in the long run.

Keep learning.

Stay humble. You’re a smart person and I know you hate wasting time, but read more. Even if you think you know what the article is trying to sell you, seek a news base with quality writing.

Be patient & take your time.

You’re always rushing to finish things. You consciously do this because you want to be efficient so that you have optimal down time. What you’re missing is the journey. Of course you could finish something quickly, but don’t get mad when people want to interact with you in the middle of getting it done. It’s not necessarily “life is about the journey not the end result” but you should find a balance otherwise you’ll go too fast, crash and burn.

Also reflecting is important. You say this every year but TAKE YOUR TIME.

I’m actually finishing up this post just shy of 2 hours from New Years/midnight. I’m realizing that my life isn’t ordinary. I’m a single girl that’s traveled abroad alone, traveled to another country for a metal festival, works in tech, is asexual, intelligent, vegan, and doesn’t take crap from anyone. I’m not meant to live a normal life of find a man, marry young, have kids, buy a house, and settle down. I’m mobile and I love it. I move often but I wouldn’t have it any other way. Everything that life has given me so far has strengthened me and allowed me to trust myself from different angles. I’m open to new experiences and new environments. I don’t know if I could survive normalcy, and I don’t want to try. I would rather save up money to have lasting experiences that not everyone can afford than go out every weekend and blow my check. I’d rather throw glitter or clay molded into tiny fruit on my face than be too afraid not to. I’d rather believe in the welfare of others that don’t speak the same language as me or have a voice in the first place and fight for their freedom as much as I can. My ancestors accomplished a lot and I want to make them proud for however long I’m here on this Earth.

Later Sweethearts, Cilla

2017 Review Wow long time no blog! I'm still alive gdi. I'm not in my most optimal state currently and I feel like I can't form complete sentences again (hi there depression), but here I am giving an effort.

#2017 #2017 review #recap #Review #yearly review

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medicalnewstoday · 5 years ago

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Global Meat Substitutes Market research to Exhibit Significant Opportunity Assessment During the Forecast Period 2017 - 2026

Many animal-related disease outbreaks that include swine flu and bird flu over the recent past have led consumers across the globe to shift toward a more vegan diet, influencing meat substitute consumption as a result. Trend toward vegan diet is also being supported by surging prevalence of health problems such as diabetes and obesity. Rise in living standards of consumers coupled with their higher GHDI is further posing a positive impact on demand for not-so-cost-effective meat substitutes. R&D initiatives are being undertaken by global leading food product manufacturers, in a bid to develop novel and superior quality meat substitutes to increasing number of health-conscious consumers globally.

A new report of XploreMR offers forecast and analysis on the meat substitutes market on a global level. The report delivers actual data related to the market for the historical period (2012-2016) along with an estimated intelligence on the market for the forecast period (2017-2026). The information is presented in terms of both value (US$ Mn). Macroeconomic indicators coupled with an outlook on the meat substitutes demand pattern around the world have also been encompassed by the report. The report further imparts key drivers and restraints for the global meat substitutes market, and their impact on regional segments included over the forecast period.

Get Sample Copy of this report @ https://www.xploremr.com/connectus/sample/751

Report Structure

The executive summary chapter, which initiates the report, offers key market dynamics and numbers associated with the global meat substitutes market, along with key research findings related to the market segments comprised. The market numbers included in this chapter are a blend of compound annual growth rates, market shares, revenues, and volume sales.

A concise introduction to the meat substitutes market is offered in the chapter succeeding the executive summary, along with a formal definition of “meat substitutes”. Elaboration of the market dynamics that include future prospects, growth limitations & drivers, and trends has been delivered in the chapters subsequent to the overview. These chapters also inundate insights apropos to bottom line of enterprises in detail, along with the fiscal stimulus and the global economy.

Market Taxonomy

Region

Product Type

Category

Source

Distribution Channel

North America

Tofu

Frozen

Soy

Food Chain Services

Latin America

Tempeh

Refrigerated

Wheat

Modern Trade

Europe

Textured Vegetable Protein

Shelf-stable

Mycoprotein

Departmental Stores

Japan

Seitan

Other Sources

Online Stores

APEJ

Quorn

Other Distribution Channel

MEA

Other Product Types

Competition Landscape

A complete package of intelligence on leading participants supporting expansion of the global meat substitutes market has been offered in the concluding chapter of this analytical research report. This chapter elucidates the competition landscape of the global market for meat substitutes, providing information on key strategy implementations of the market players, their product overview, key development, company overview, and key financials. A SWOT analysis on each market players has been provided in this chapter of the report.

Request for Check Discount @ https://www.xploremr.com/connectus/check-discount/751

The geographical spread of the market players included, along with their future growth plans, intended mergers & acquisitions, overall revenues, and market shares are elaborated in detail in this chapter. The report has employed an intensity map for portraying key market players located across geographies.

Research Methodology

Credibility of researched statistics & data is backed by a unique research methodology used by analysts at XploreMR, ensuring high accuracy. This research report on global meat substitutes market can assist readers in acquiring detailed insights on several aspects that govern the market across the regional segments contained in the report. The report readers can use slated strategies to tap the vital revenue pockets, thereby gaining benefits over intensifying competition prevailing in the market. Intelligence presented in this report has been scrutinized & monitored thoroughly by XploreMR’s industry experts. The figures and numbers offered by the report are validated by the analysts for facilitating strategic decision making for market players.

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About us:

XploreMR is one of the world’s leading resellers of high-quality market research reports. We feature in-depth reports from some of the world’s most reputed market research companies and international organizations. We serve across a broad spectrum – from Fortune 500 to small and medium businesses. Our clients trust us for our unwavering focus onquality and affordability. We believe high price should not be a bottleneck for organizations looking to gain access to quality information.

Our team comprises an eclectic mix of experienced market research specialists, search engine specialists, web designers, online marketers, and business writers. The team is highly committed to going above and beyond, and serving the research needs of our clientele.

111 North Market Street, Suite 300, San Jose, CA 95113, United States Tel: +1-669-284-0108 E-mail: [email protected] Website: www.xploremr.com

#Meat Substitutes Market

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legalassistance · 2 years ago

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Avoiding Probate

One of the most significant advantages of having a living trust is that it allows you to avoid probate. Probate is the legal process of distributing assets after someone passes away. It can be time-consuming, expensive, and public. With a living trust, your assets can be distributed to your beneficiaries without the need for probate. This can save your family time and money while ensuring that your wishes are carried out.

Protecting Your Privacy

Probate is a public process, which means that anyone can access the court records related to your estate. This can include information about your assets, debts, and beneficiaries. With a living trust, your estate can be settled privately without the need for court intervention. This can help protect your privacy and the privacy of your beneficiaries.

Managing Your Assets

A living trust allows you to manage your assets during your lifetime and after your death. You can name yourself as the trustee of the trust, which means that you can continue to manage your assets as you see fit. If you become incapacitated, your successor trustee can step in and manage your assets for you. After you pass away, your successor trustee can distribute your assets according to your wishes.

Protecting Your Assets

A living trust can help protect your assets from creditors, lawsuits, and other claims. Assets that are held in a living trust are generally protected from the claims of your creditors. This can help ensure that your assets are passed on to your beneficiaries and not used to pay off your debts.

Providing for Your Loved Ones

A living trust allows you to provide for your loved ones after you pass away. You can name your beneficiaries in the trust, which means that your assets will be distributed according to your wishes. This can include providing for your spouse, children, grandchildren, or any other loved ones. You can also include provisions in the trust that specify how and when your assets will be distributed.

Conclusion

At affordable and express legal firm, we believe that having an affordable living trust in San Jose, CA is an essential part of estate planning. A living trust can help protect your assets, avoid probate, and ensure that your wishes are carried out after you pass away. If you are interested in learning more about living trusts or estate planning, please contact our firm today.

Related Posts :- Full Guide to Creating a Living Trust in San Jose

Reference URL :- 5 Reasons Why You Need an Affordable Living Trust in San Jose, CA

#affordable living trust San Jose ca

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adamhhutchins · 6 years ago

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Announcing TwitchCon 2019

Coming right off the best TwitchCon ever in San Jose, we knew it would take something big to make this year’s event ever better. So we went straight to our most powerful and trusted source of information: all of you.

Every year, we survey thousands of TwitchCon attendees about what you liked and what we could work on for next time. And as it turns out, Twitch really loved San Diego, so we’re going back for round two. On September 27–29, join us in the San Diego Convention Center for a TwitchCon 2019 that’ll make TwitchCon 2016 look like an opening act.

San Diego, CA is the perfect city to cover in purple. The convention center is located in San Diego’s beautiful Marina district, and right next to the Gaslamp Quarter — a lively neighborhood with affordable hotels and great food. Did we mention incredible weather? Plus, the Anchorman jokes are just too easy, even if that movie is now 15 years old… :NotLikeThis:

We’re bringing all the good stuff you love about Twitch to life over one unforgettable weekend. You can meet and hang out with with your favorite streamers from chat. You can bond over esports, board games, or new games to play. You can learn how to start streaming or demo new features to try on your own channel. The whole community is invited, and we’d love for you to join us.

If you can’t make it to California, no worries, we’re still streaming the keynote, panels, and much more on Twitch. And there’s plenty of room for everyone in chat.

As we get closer to September, we’ll have plenty to share about the Call for Content, confirmed speakers and activities, ticket sales, and more The best ways to stay informed are to sign up for our newsletter on twitchcon.com and to follow us @TwitchCon on Twitter. If you already know you’re down to attend, we’ve also secured some early deals on hotels that you can book right now. Stay tuned for more soon!

Announcing TwitchCon 2019 was originally published in Twitch Blog on Medium, where people are continuing the conversation by highlighting and responding to this story.

#Twitch Blog - Medium

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nightmare-afton-cosplay · 6 years ago

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Get Rich or Die Tryin’: The 10 Most Expensive Neighborhoods in the U.S.

Getty Images; realtor.com

It’s the great national good news/bad news joke. The good: Americans are richer today than at any time in this country’s history. The bad: Most of their combined net worth (just over $100 trillion, according to the Federal Reserve) is held by very few. And yet, our nation of haves and have-nots is obsessed with those haves, the lucky folks buying up private jets, six-figure sports cars, eight-figure pieces of art, and one-of-a-kind Wu-Tang Clan LPs. We track their movements with a combination of lust and envy.

And there’s one way the ultrarich are just like the rest of us: Their largest spending category tends to be in real estate. After all, nothing says success like a megamansion in an exclusive area—or several! So where are the 0.2% buying homes these days? The data team at realtor.com® set out to find today’s most expensive ZIP codes.

Along the way, we found a few surprises. When it comes to luxury neighborhoods, the top dogs are getting challenged by newcomer neighborhoods with even bigger homes or posher condos.

“The ultra-ultrahigh net worth buyer can afford anything. When you can buy anything, it is difficult [making a decision] because that means everything is available,” says Dolly Lenz, a real estate agent who sells high-end properties around the county and founder of Dolly Lenz Real Estate in New York. “In terms of neighborhoods, these people are either going for aspirational places or looking for that next hottest place.”

To find these sought-after bellwether markets, the data team pulled median listing prices for the past 12 months, June 2017 to May 2018, to find the ZIP codes with the highest home prices. We included only ZIP codes with an average of at least 12 listings per month, to make sure the results weren’t skewed by a few big-ticket sales. And to give the ranking geographic diversity, we limited it to just two ZIP codes per state, and no more than one ZIP per metropolitan area.

Got it? Check the trust fund, and let’s do some window shopping.

Most expensive neighborhoods

Tony Frenzel

1. Atherton, CA

ZIP code: 94027 Median home list price: $10,194,000 Metropolitan area: San Francisco, CA

Home for sale in Atherton, CA

realtor.com

Atherton isn’t the first place you’d expect to find the most expensive neighborhood in the country. But this Silicon Valley community lined with mansions—a quick Lyft ride from Facebook headquarters and west of Menlo Park—has seen affluent techies drive home prices into the eight figures.

“It’s mostly venture capitalists and very successful high-tech people who are buying here,” says Alireza Faghiri, a real estate agent at Alain Pinel Realtors based in Menlo Park. “It’s not gated communities, but there are some very high-profile people living there.”

Homeowners include former Hewlett Packard Enterprise CEO Meg Whitman and Microsoft co-founder Paul Allen.

In Atherton, buyers come for the size. Plenty of single-family homes here stretch beyond 8,000 square feet. (Check out this 11,000-square-foot mansion for $17.8 million.)

It’s a predominantly residential community, though, so homeowners typically drive to nearby Palo Alto when they get a hankering for some brown rice sushi or fusion cocktails.

2. Los Altos, CA

ZIP code: 94022 Median home list price: $6,326,000 Metropolitan area: San Jose, CA

A home in the 94022

John Edward Linden/ArcaidImages

You didn’t think we were done with Silicon Valley already, did you? Roughly a 25-minute drive south of Atherton, Los Altos has more of a real town, with some cool eateries. There’s less old money and fewer enormous estates here, but plenty of (relatively) understated wealth.

What was once a quiet town with summer cottages has been replaced by modern, tech-friendly mansions. Homes such as this art moderne–style, 7,600-square-foot place are what this neighborhoods looks like these days. Built in 2018, this home costs $10.9 million.

The ZIP code, close to Google’s headquarters in Mountain View, is home to co-founder Sergey Brin. The Wall Street Journal reported in 2012 that Brin was bankrolling real estate investment in the Los Altos area, in what the Journal called a “bid to beautify and transform its sleepy downtown.” It seems to be working.

And while just about all of Atherton’s older homes have been replaced with newer mansions, there are still spots in Los Altos where new development hasn’t taken over. For example, there’s this 1,600-square-foot home built in 1953—listed at $2.6 million. That’s tiny compared to most of the homes on the market here; the biggest one tops 20,000 square feet and is priced at $55 million.

3. New York, NY (Tribeca)

ZIP code: 10013 Median home list price: $5,137,000 Metropolitan area: New York, NY

New building or old, it’s all expensive in Tribeca!

JayLazarin/iStock

Welcome to the hottest part of Manhattan. This ZIP is dominated by Tribeca (aka Triangle Below Canal Street), the formerly drab warehouse district that has become the ultratrendy home to the Tribeca Film Festival and scores of artists, actors, and all-around rich folk. Actress Jessica Biel and hubby Justin Timberlake spent $20 million on a penthouse with floor-to-ceiling windows here in 2017. This area includes parts of SoHo, Little Italy, and Chinatown.

“Singles, professionals, international, families, investors” are all buying in the area, says Tamir Shemesh, a real estate broker at Douglas Elliman Real Estate in New York. They love the cutting-edge art galleries, groovy restaurants, and cobblestone streets.

The housing is a blend of ultraluxe new condos and converted lofts in gorgeous, turn-of-the-century, formerly industrial buildings.

“You can’t build stuff like this anymore,” Shemesh says. “It’s not cost-effective.”

The highest end of this market can stretch well into the eight figures. This 8,000-square-foot, four-bed, six-bath loft in SoHo is priced at $65 million. (Wow.)

For new construction, the 10-story building at 325 W. Broadway was built in 2016 and boasts radiant floor heating throughout its apartments, and views of both the Empire State Building and One World Trade Center.

4. Medina, WA

ZIP code: 98039 Median home list price: $4,894,000 Metropolitan area: Seattle, WA

Bill Gates’ home in Medina, WA

Ted Soqui/Corbis via Getty Images

Amazon founder Jeff Bezos surpassed Microsoft’s Bill Gates last year to become the planet’s richest person. But unfathomable wealth isn’t all they have in common: They both live in the waterfront city of Medina, which has become the go-to home for Seattle’s elite.

Located on the opposite side of Lake Washington from Seattle, this community is covered in dark evergreen trees and packed with huge, gated mansions. Many of the homes here have docks on the lake and private beaches. So of course you’ll also spot some jaw-dropping trophy boats here. The community has homes dating to the ’60s as well as homes built this year.

In Medina, you can find this five-bedroom, 9,000-square-foot waterfront home priced at $11.6 million. And it wouldn’t be a mansion without an indoor pool, wine cellar, and bespoke billiard room. Right?

5. Miami Beach, FL (Fisher Island)

ZIP code: 33109 Median home list price: $3,707,000 Metropolitan area: Miami, FL

Fisher Island off the mainland of Florida

franckreporter/iStock

Three miles off the mainland of Florida, wealthy home buyers will find Fisher Island, once owned entirely by the Vanderbilt family. Accessible only by boat or helicopter, the island has become a secluded paradise for around 200 households occupying its Spanish-style mansions.

“Fisher Island has a tropical feel, and it is almost like one big park,” luxury real estate agent Lenz says. “Homes either have an ocean view or one of the bay and city skyline.”

Even condos can easily top $5 million here. This four-bedroom, 4,600-square-foot condo with marble floors and wraparound terrace is listed for a cool $6.9 million.

Among the most common buyers on the island are wealthy Russian businessmen who come here to escape the cold winters back home, Lenz says.

6. Glenbrook, NV

ZIP code: 89413 Median home list price: $3,225,342 Metropolitan area: Gardnerville Ranchos, NV (near Reno)

Home in Glenbrook, NV

realtor.com

Located on the banks of Lake Tahoe, Glenbrook attracts affluent buyers looking to snag second and year-round homes in gated communities, some with a private beach and golf course. In the 1880s, Glenbrook was a logging area, but by the mid-1990s it had grown into a vacation spot for folks from the San Francisco Bay Area and eventually developed into a high-end, year-round community. Bonus: It’s just 50 miles from Reno (aka the Biggest Little City in the World).

“It was typically a summer community for many, many years. The majority of homes are still second homes, but you have many people who are doing their Nevada residency, which is six months and a day, for tax purposes,” says Claudia Thompson, a real estate agent at Oliver Luxury Real Estate, a Christie’s International Real Estate affiliate in Incline Village, NV. (Nevada has no state income tax.)

The real estate market here ranges from 2,000-square-foot townhomes starting at $1.2 million, to cottages costing around $2 million, to four-bedroom, 5,000-square-foot homes with two- to six-car garages that can go for well over $10 million.

And the community has valet service—for your boat.

“The people buying are generally cash buyers. They’re very successful. They’re coming a lot from California, [Las] Vegas, and Texas,” says Charlene Meenan, a real estate agent at Chase International in Glenbrook.

7. Boston, MA (Beacon Hill)

ZIP code: 02108 Median home list price: $3,155,000 Metropolitan area: Boston, MA

Acorn Street in Beacon Hill

Sean Pavone/iStock

Former Secretary of State John Kerry owns a 9,000-square-foot, corner townhouse in Beacon Hill, a historic neighborhood in the heart of Boston that has grown into one of America’s most prestigious communities. Individual garage parking spaces here can sell for $500,000.

“All the power players live here: doctors, attorneys, guys who work in wealth management and finance,” says Collin Bray, a real estate agent at Century 21 Cityside in Boston. “The reason why this neighborhood is so expensive is because Boston is evolving around it. Facebook and GE have offices here, and Reebok just moved their corporate headquarters into the seaport.”

Beacon Hill has a mixture of condos and beautiful old brownstones that can run from $10 million to $15 million. This three-bedroom condo in a boutique building that overlooks the State House gardens and Boston Common, a 50-acre park, is listed for $9.4 million. The community is near the Charles River and its esplanade, great for running, biking, and contemplating life.

8. Woods Hole, MA

ZIP code: 02543 Median home list price: $3,154,000 Metropolitan area: Barnstable Town, MA

Downtown Woods Hole, MA

Education Images/UIG via Getty Images

Cape Cod, the skinny peninsula jutting out from Massachusetts, is where you’ll find some of the nation’s most famous beach towns, including Hyannis, home to the Kennedy compound, and Provincetown, renowned for its artists, restaurants, and party scene. But the title for priciest homes in the region goes to Woods Hole—a community where spotting a helicopter pad is nothing out of the normal.

The Woods Hole real estate market attracts Bostonians and New Yorkers looking for weekend getaway homes, as well as some of the higher-paid researchers and scientists who work in the area. The region is home to Woods Hole Oceanographic Institution, Marine Biological Laboratory, and National Oceanic Atmospheric Administration’s Northeast Fisheries Science Center.

“Homes selling above $10 million will get bought and knocked down to build something bigger,” says James Kinchla, a broker at William Raveis Real Estate.

In a region known for its boating and fishing, Kinchla says, buyers are particularly attracted to big, beautiful Colonial homes right on the water, and their own private piers. Take this 6,500-square-foot mansion overlooking the Quissett Harbor. Built in 1900 and including a pool and guesthouse, it’s priced at $6.8 million.

9. Snowmass, CO

ZIP code: 81654 Median home list price: $3,031,000 Metropolitan area: Glenwood Springs, CO

Luxury in Snowmass, CO

realtor.com

Snowmass, located in the Colorado Mountains, is better known as “Old Snowmass” to locals who come here for big ranch-style homes that sit in the woods. The town is about a 20-minute drive to the Snowmass ski resort and a 25-minute drive to the world-famous Aspen ski town. So Old Snowmass buyers get the slopes, but without as many close encounters with tourists.

“It is great for investment [opportunities] and for Colorado living. You have more land, an abundance of wildlife, and a short drive to Aspen,” says Erik Cavarra, managing broker at Engel & Völkers Snowmass. “These buyers are looking for more privacy and more acreage.”

Both Old Snowmass and Aspen have watched real estate prices move north in recent years. Each place has plenty of mansions, but overall prices in Old Snowmass are higher—it lacks Aspen’s plethora of small condos that pull down the median prices.

Perhaps no property gives a better representation of Old Snowmass’ real estate market than this four-bedroom, 3,000-square-foot home on 33 acres bisected by Snowmass Creek. The home even has a private bridge over the creek, and goes for a cool $9.5 million.

10. Wilson, WY

ZIP code: 83014 Median home list price: $2,798,000 Metropolitan area: Jackson, WY

Rustic luxury in Wilson, WY

Richer Images/Construction Photography/Avalon/Getty Images)

Jackson Hole is one of the world’s most sought-after ski towns for real estate investment. It has some of the best slopes the U.S. has to offer, a small-town feel, and big-city amenities. But many of the area’s biggest and most expensive homes are in Wilson, a village that’s about a 25-minute drive to Jackson Hole.

Homes in Wilson tend to be newer and bigger than homes in many other parts of the Jackson region, with a flurry of development happening since the 1990s. But they still affect an old-fashioned style, including this $5.5 million, four-bedroom, timber-frame home located on the banks of the Snake River.

“Wilson checks all of the boxes for buyers. It’s close to everything but not in the hustle and bustle,” says Andrew Ellett, a broker at Engel & Völkers Jackson Hole. “Most of the subdivisions are on or near Snake River. There are lots of wildlife encounters. People see elk, bald eagles, and occasionally a bear.”

Clare Trapasso and Allison Underhill contributed to this report.

The post Get Rich or Die Tryin’: The 10 Most Expensive Neighborhoods in the U.S. appeared first on Real Estate News & Insights | realtor.com®.

from https://www.realtor.com/news/trends/10-wealthy-enclaves-highest-home-prices/

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johnlalford11 · 6 years ago

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Best Marijuana Collectives in California

Marijuana is bigger than ever in California. According to 2018 statistics, California makes more money from weed sales than any other state, including Colorado and Washington. This is largely thanks to the wide availability of marijuana retailers across The Golden State.

Many dispensaries in California operate as marijuana collectives. These allow you to sign up as a member to make it easy to purchase weed either in-store or get it delivered directly to your door. Whether you need weed for recreational or medical purposes, here are some of the best marijuana collectives in California.

The Herb Collective - Orange County, CA

The Herb Collective provides marijuana delivery across the Orange County area, from Anaheim all the way to San Clemente. With high-quality products, affordable prices, and 5-star ratings across Google, Yelp, and Weedmaps, it’s the best dispensary in Orange County.

You can buy marijuana online from The Herb Collective and get it delivered to your address within an hour. Just complete a simple registration form and provide a picture of your State I.D. and you can order a range of strains, concentrates, edibles, and CBD products.

The Green Team Cannabis Collective - Berkeley, CA

The Green Team is a cannabis collective delivering medical marijuana to the Berkeley area. Their menu covers everything from pre-rolled joints to cannabis cookies. You can get delivery in as little as 20 minutes providing you live in the vicinity.

Providing you have a medical recommendation, you can register online and order straight away for fast and discreet shipping. If you buy between 4-5pm you’ll even receive a free gram with your order!

CA Collective - San Jose, CA

San Jose and Bay Area residents are well covered by CA Collective. This highly rated collective is licensed to sell both medical and recreational marijuana. They offer plenty of products in their online stores, including concentrates, edibles, seeds, and various premium strains.

CA Collective is located in the Hollywood neighborhood of San Jose. However, their delivery service also covers Gilroy, Morgan Hill, and the entire Bay Area. It’s easy to become a member and order products online.

Shambhala Medical Cannabis Collective - San Francisco, CA

Shambhala MCC is a medical and recreational marijuana dispensary in San Francisco. They don’t currently offer delivery. However, you can browse their online menu and pick up your order from their store in the Mission District of San Francisco.

With an impressive product range and shining reviews from customers, San Franciscans will be satisfied here.

Canna Culture Collective - San Jose, CA

Canna Cultura Collective is a medical and recreational marijuana seller located just by Communication Hill in San Jose. Anyone aged 21 or above can browse their products in-store or order for delivery online.

They deliver to everywhere in a 15-mile radius and offer a range of attractive deals- especially in their VIP Reward Program. A great choice for those in the San Jose area.

Blue Mountain Collective - San Andreas, CA

Blue Mountain Collective offers a range of products to medical marijuana patients in San Andreas. They’re open 7 days a week, providing CBD products, tinctures, vape pens, and much more to locals.

They don’t have a website but you can view their online menu and order for delivery from their WeedMaps page. Their store is located on Marshall Street, just off of E St. Charles Street. With strong reviews, this is a good choice for those in the San Andreas area.

Fresh Mint Collective - Oakland, CA

Fresh Mint Collective offer a fast and affordable delivery service in the Oakland and East Bay Area. They deliver products as far as Palo Alto at reasonable shipping costs.

All of Fresh Mint’s products are packaged nicely and shipped out discreetly. With strong reviews on Weedmaps, you can rest assured you’re getting a good service. You can browse their menu and order online from their website. New patients even get a 10% off discount code, so they’re worth trying out.

TLC Collective - Los Angeles, CA

TLC Collective is a medical and recreational dispensary located in East LA. Their menu covers flower, wax, concentrates, edibles, and tinctures, all in a range of flavors and types.

They don’t currently offer delivery, but you can check out their online menu and buy in-store. First-time patients receive $5 off their first order and they have plenty of products to suit your needs. You must provide either a state-licensed I.D. or medical recommendation to purchase.

Coast to Coast Collective - Canoga Park, CA

Coast to Coast Collective is a slick marijuana store located in Canoga Park, just northwest of Los Angeles. They grow and sell their own products, and if you visit their store you can even check out their grow rooms.

Their range of unique homegrown products makes it an awesome place to visit for marijuana lovers. You can find a range of indica, sativa, and hybrid strains here at affordable prices. They also offer concentrates and other marijuana products.

515 Broadway Collective - Sacramento, CA

515 Broadway Collective is a Sacramento based marijuana dispensary with 20 years of experience with medical marijuana. They currently offer products for both medical and adult use. While they don’t offer delivery, you can pre-order online to pick up in their store on 515 Broadway.

As with most other collectives, they offer a range of strains in addition to concentrates, edibles, and medical products. You can view their menu on their website and check out their special offers. With a long history of supplying Sacramento smokers, this is a service you can trust.

Conclusion

No matter where you are on the west coast, there’s a range of dispensaries for both medical and recreational marijuana. These are some of the best marijuana collectives in California with a good track record of satisfied customers.

Bear in mind that you must be 21 years of age or older to buy marijuana in California. You’ll also need a State I.D. to purchase or a doctor’s recommendation if you’re buying medical marijuana. You can still order online providing you scan in or provide a photo of your I.D. Once you’re all signed up to a local collective, you’ll be able to access your favorite cannabis products effortlessly.

from News About Marijuana https://www.theherbcollectiveoc.com/single-post/best-marijuana-collectives-in-california

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annyleonca · 6 years ago

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Best Marijuana Collectives in California

The Herb Collective - Orange County, CA

The Green Team Cannabis Collective - Berkeley, CA

CA Collective - San Jose, CA

Shambhala Medical Cannabis Collective - San Francisco, CA

With an impressive product range and shining reviews from customers, San Franciscans will be satisfied here.

Canna Culture Collective - San Jose, CA

They deliver to everywhere in a 15-mile radius and offer a range of attractive deals- especially in their VIP Reward Program. A great choice for those in the San Jose area.

Blue Mountain Collective - San Andreas, CA

Blue Mountain Collective offers a range of products to medical marijuana patients in San Andreas. They’re open 7 days a week, providing CBD products, tinctures, vape pens, and much more to locals.

Fresh Mint Collective - Oakland, CA

Fresh Mint Collective offer a fast and affordable delivery service in the Oakland and East Bay Area. They deliver products as far as Palo Alto at reasonable shipping costs.

TLC Collective - Los Angeles, CA

TLC Collective is a medical and recreational dispensary located in East LA. Their menu covers flower, wax, concentrates, edibles, and tinctures, all in a range of flavors and types.

Coast to Coast Collective - Canoga Park, CA

515 Broadway Collective - Sacramento, CA

Conclusion

from News About Marijuana https://www.theherbcollectiveoc.com/single-post/best-marijuana-collectives-in-california

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briefbouquetcreatorlove-blog · 6 years ago

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I gotta question with car insurance?

im 18 and buyin my moms car,will the insurance rates rise if she signs the car over to my name? or will it be that much of a difference? cuz i want it in my name but she says the cost will double automaticly just by changing the name of the owner from her to me. is she lying so that i keep it in her name?""

Auto Insurance Increase?

My family lives in New Mexico and my son is planing on moving to Arizona I want to keep him on my insurance but when he changes his drivers license to the state of Arizona will my insurance go up?

Does my current car insurance cover my new car?

I bought a new car on Friday afternoon. My insurance agency has a recording to call back on Monday. Will my current policy cover me while I drive my new car this weekend?

How much would motorcycle insurance cost for a 17 year old boy?

What do car insurance investigators do?

My fiancee is an excluded driver on my car ins. He was driving my vehicle one day and got into a very small 'fender bender'. His fault. Barely bumped the lady. When she filed a claim, my insurance called me. Well of course I tried to convince them that i was driving the vehicle, but they don't believe me. My own car insurance. Aren't they supposed to be behind you and not the other driver? But anyway, he said SINCE he doesnt believe me, he's going to get insurance fraud investigators to do some investigating. The woman's car isnt worth but $900 blue book value. The fix of her bumper cost $1600. I'm not understanding why this is a big deal. I get that I'm trying to cover myself and have ins cover it, and lying about it, so please don't scold me for that. I'm just trying to get advice on this, and what i should do NOW. I'm not sure if the whole investigation thing is a joke, or something serious. Also, if i were to turn around and tell them that my fiancee was really driving, what would they do now that I've lied? Does car ins go on your credit if they drop you? HELP!""

Temporary vehicle registration and insurance in California for uk citizen?

Hi, Myself and a friend will be travelling to California next month to purchase a 1960s vw campervan. We will be driving it to the shipping port to export it back to the uk. I've been told we can get a temporary registration which lasts 28 days and will allow us to drive the van. I've been on the californian DMV website but cannot find any more information or the forms. no email address either! So far I just know we will need to have an insurance certificate to get the temporary registration. Couple of questions really, Do I need to purchase a van before I can get the temporary registration? Ideally I would like to go buy a van and drive it away there and then from the seller but Im thinking I'll have to put a deposit down or similar and get the info and go to the DMV before I can take it away? Second question is insurance, I guess the best idea would be to go with an American company. Will they insure a uk citizen who's just over for a few weeks with just a uk driving license? Any suggestions of companies who may do so? In the uk we have a company called swift who only deal online. This would be ideal because then I wouldn't need an address forms/certificates to be sent. Any ideas? Reason were not getin it transported is because we want to do a bit of travelling on route to a east coast port.""

""After buying a used car, could I drive it right away without auto insurance?""

After buying a used car, could I drive it right away without auto insurance? Do I have to have auto insurance in CA? Thank you!""

Temporary car insurance??

so I just bought a car that I'll get from the dealership tommorow night and I need it right away. the problem is that it is my first car and my insurance needs to take 15 days to ...show more

Who do you speak to when your auto insurance is not paying you for the total damage done to yor vehicle.?

CAR WAS TOTAL , INSURANCE COMPANY NOT PAYING FULL VALUE. IS THERE A AGENCY THAT OVERSEES THESE MATTERS.""

Is there more opportunity in life insurance sales or as a real estate agent?

I am wondering what is more lucrative life-insurance sales or real estate. I have a passion for both of them I am just wondering what is the most lucrative and what offers the biggest opportunity to become a millionaire in. I have been offered a position at mass mutual. I have a big interest in investing and stocks. They sell mostly insurance products. But you can also get your series 6 and 7 and sell securites. What is the biggest earning potential, life insurance sales, or working as a real estate agent. Any guidance would be great. I'm on a road trip so If there are typos my apologys.""

Any tips on how to avoid paying full coverage insurance on a motorcycle while financing it?

My friend has been financing a motorcycle and he just did his policy online and put down that he owned the motorcycle..and only put liability on it.. Is this a good way to get around the system?

Does state farm have good life insurance?

Can i borrow from my life insurance policy?

""What are the best sports car, insurance price-wise ?""

I personally want to get a Nissan 350Z but I'm pretty sure the insurance price will go really high up. I also would want a much cheaper car, but still with good looks.""

Is Progressive really cheaper then the other insurances? i have allstate right now.?

Decent car that's cheap to buy and insure?

Hi so I'm looking at buying a car. Right now I only have around 3,000. I would rather just get a cheaper car now but if nots possible I can wait until I have 5,000. Okay so I know I'm not going to be buying a Ferrari for my budget but I'm looking for some ideas of cars that are inexpensive to buy, inexpensive to insure and one I won't get laughed at for driving. The oldest year I would go is a 1999.leave your ideas. Thanks""

Does the insurance rate go up or more if I get my license?

Ok my mom and dad both have a car and they bought a car just for me. It already has insurance and license plate and everything. I'm planning on getting my license soon. So when I do would my dad have to pay for more money because of me driving it? I mean the insurance is on my dads name. Thx for replying.

What would Jesus do I f he didn't have car Insurance?

what would Jesus do I f he didn't have car Insurance ? and there was no help from god?

Is it possible for someone to sponsor your car insurance?

I heard you could find somebody to sponsor your car insurance and the rate will go down if the person has good credit. Is that true? and what company has lowest insurance rate for 2 way?

""Cheap sports car, and to insure and run ?""

does anyone know a sports car in the uk thats cheap, maximum 1000 pounds, cheap to insure and fuel consumption is good ? thanks""

I need insurance for my motorcycle thats cheap?

If my parent is fully comp on insurance can i drive with a provisional licence? ?

My mom has 20years of experience and she asked a police officer and he said it was fine but were still not confident can anyone help?

Insurance for a ten+ year old car?

I am looking to get a 2000ish LS1 Fbody (camaro or trans am for those who dont know) and I was talking to my dad about the insurance rates. Since I am a male under 25 my rates would go up a lot with a sports car like those. However he told me that since the cars are over ten years old, the insurance company probably wouldn't rate it very high just because of the age of the car, even though its a sports car. Does anyone know if thats the way it works? or is he mistaken? Please answer the question without getting into lecturing about young men having sports cars and how its a bad idea. the question could pertain to any older car, I'm not even sure if thats the car that i want. I'm just doing my research. Thanks!!!""

""I'm 18, just got my first car and looking for affordable car insurance?

- I live in New York - I can't go under on neither of my parents policy.

Car financing?

What's a good life insurance I can get for my parents?

They're old life insurance just ended and are now charging $299/month for both of them...they only give $100,000 policy each. Mom is 61 years old and Dad is 65 y/o.....lives in California.""

1000 Car Insurance for an International Student?

Does anyone know a cheap car insurance company for a young driver (21 YO) who will be driving with an international license for 1 year? I have tried Clements but they don't do insurance for students. Can anyone please help? The major online companies are so expensive

Hey im 16 and i want my licence but insurence is pretty expensive?

hey im 16 and i want my licence but insurence is pretty expensive which company do you think i can get the cheapest insurance on and how much do you think it will cost thank you

Why is car insurance so expensive?

Im 20 and i pay 63 a month for just the very basic essentials to not get a ticket, ive never needed my insurance nor has it done me any good. My parents pay for a whole bunch of different coverage and when they got into an accident with a drunk driver, the insurance company didnt pay for anything and they hired a lawyer to protect them from having to pay my parents anything. Why do we need insurance in the first place and why is it so costly? I think its really just a scam.""

Where can i get affordable insurance?

i got 8pts i need affordable insurance please send me a link please

Please Recommend Cheap & Hassle Free Car Insurance?

I am looking for cheap car insurers that DO NOT - Ask to see license sent through the post or does not check records with the DVLA or has the option to refuse. Please only recommend if you use yourself or know someone who does. No reviews please, just insurers that don't check at the start of the policy. My initial thought was Tescogood or bad idea? 10 points today for most relevant answer. Thanks!""

6month CHEAP car insurance.! plz help?

hi, iam looking for a 6month cheap insurance policy plan for my bf's blazer. the court says he has to have sr22 with a 6month policy... if not he will go to jail. we have found one where 1200 is the cheapest at the moment but i would like to know if there is anything cheaper.""

How much would the average price for a male at the age of 20 to have full coverage car insurance?

How much can we expect to get from insurance for replacement of car door?

Our 2003 Hyundai Sonata got backed into recently. The lady hit the front passenger door and smashed it in. It still opens, but sounds awful when it does, and the window doesn't work right (power window). She had Farmers insurance, and I've heard bad things about them, but we're gonna get an estimate from different auto body shops around town. How much can we expect the insurance to pay out for this damage?""

Will insurance cover transmission damage?

Someone stol my car I reported it the insurane company is saying my transmission is out will they cover the cost of this or say its normal wear and tear it was working when I was driving it

What are the average insurance rates in ontario?

like yearly, and how much would it cost for me to insure my car right after i get my license?""

Im considering getting a bmw m3 e36 as my first car how much does it cost and where can i find one in Canada?

also how does insurance cost and is it a good idea to get it as a first car or should i get a integra gsr or civic si

Mazda miata insurance?

okay so im 16 getting a miata, is the cost of insurance going to be high?""

Do you need car insurance if you only have your permit?

Do I need car insurance? I've only got my permit and I drive my parent's car. What about after I get my license? Do I still need insurance even though I drive my parents' car?

How to cancel car insurance after paying ?

Hi everyone, I've just bought a car insurance from Access Insurance Company this morning for a period of 6 months. The effective day will be from 11/20/2012. But suddenly there's some reason that I change my mind to use All State Insurance. So, is it possible for me to cancel Access and get a full refund ? It's been 4 days until the effective day.""

First car insurance?

what would the insurance be on a 03 mercedes e500 for a 15 year old boy? and what about an 07 hyundai tiburon? which one is going to be cheaper?

How much is car insurance for a 16 year old?

Im 15 about to be 16, and im getting a 2000-2005 jeep grand Cherokee Laredo. But I don't know how much the car insurance will be for me. I live in Florida U.S.A. Please help !""

The cheapest car insurance?

Hey everyone!! I'm planning to get my first car, and i was wondering what is the cheapest possible car insurance in Utah and nationwide. thanks!!""

Do you have too get insurance on rentacar?

do you need insurance on car rental

Where can i find the car insurance rates by state?

Looking to see how much car insurance rates are for different states.

How can i get affordable insurance for my pregnant wife?

im not sure what my options are at this point. my wife is 4 months pregant and her temporary 45 day medical has expired and healthy families wont accept her. we've tried to apply for medical before but were denied due to my income. my income looks more than it is since i have to spend over $500 a month in gas with no compensation. we have very little wiggle room when it comes to income. is there something out there that may be able to help us. we also have two other children but i was able to get them healthy families

What's the best and cheapest car insurance in California for a bad driver?

How much insurance would i most likely pay? help please!?

I'm 17 years old and this is going to be my first car, my mom has a car under state farm insurance my grades are pretty top notch (3.7) I also took the defensive driving course car that i'm getting is a -------2001 mitsubishi eclipse sypder -------- what's the minimum amount i would have to pay you think?""

Motorcycle Insurance?

I got into a car accident almost 2 years ago and I was wondering if it will effect me when I get insurance for my motorcycle?

Teen Drivers Insurance?

Ok so I am a Teen Driver and I am about to get licensed...I need Car insurance...any one know the average in TX? Thanks

Car financing?

""Has any one been quoted 23,000 for car insurance?""

i have just been quote 23,000 for a car insurance am i the only one (vaxhaul astra 1.4)?""

Car insurance question?

does AAA car insurance have sr22's? If so how much do they raise the premium?

Insurance Types?

Is there a type of insurance that covers any type of damages you cause? Specifically destruction of a mattress.

Can you get medical or medicade if you are pregnant and MARRIED?

My friend is married and pregnant but she recently lost her job and her insurance. Her husband is the sole provider and he makes 45,000 a year before taxes but she is not on his insurance. can she still get her pregnancy covered by a government program. We all live in California if that helps. Anyones stories would be greatly appreciated.""

Car Insurance question?

So the other day as I was pulling out of the parking lot my car hit this non moving car next to me. The damage is not bad at all(a small dent with some scratches) and I am working with the other owner to get it fixed. I recently found out that they got an estimate from two places and both places are charging about 1000 dollars for their service. Do you think I would be better off paying for it from my pocket without informing my insurance place?(I am a broke college student). Should I get the car insurance involve? If I do get the insurance company involved will my rate go way up(cleaning driving record)? And how does car insurance company work(do they pay for all or partial)? What is my best option? Please Help!! Thank you so much for your time.

""Is $1,600 per year full coverage insurance good??? I'm 19?""

Hi guys, so I'm getting my mom's car in September. My insurance quote turned out to be $1,600 per year, or $133 per month. I'm 19 and I will be driving a 2005 Lexus ES 330. Is that insurance quote too expensive?? To little? Or around average. it's FULL COVERAGE insurance. Best answer gets 10 points!!!!!!!!!!!!!!!!!""

Which company offer you the cheapest car insurance?

I'm a girl, over 25, no conviction, it's for a mini""

Health insurance transplant patients affordable?

affordable prescription meds. for transplanted patients plus affordable health insurance for same.

Health insurance in America?

I'm in Australia and very curious about health insurance! What is medicaid? What happens if you have no insurance or medicaid and you have a baby?

Which insurance license test is easier for California?

which insurance license test is easier for California? -Auto -Health/Life -Real Estate I want to get a license, but not sure which..""

Car insurance question?

Originally I registered my car insurance with my previous address. Now I've moved to a new place, do I require to update the address? What happen if I don't update the address and continuously using my previous address as registered?""

CAR ACCIDENT WHOS AT FAULT AND DO WE HAVE TO GO THROUGH INSURANCE?

I was in a car accident yesterday a very minor one, the damage to my mother in laws BMW was just a cracked head light, and damage to theres was hardly apparent although the man said there was a tiny bump in door and a scratch. what happened was i was leaving a duel carriageway and on the side lane one lane was closed and a cone was in the road i swerved to miss going into work access (plenty of room as cones missing ETC cos of bad weather) then i pulled straight back out into correct lane having dragged the cone and seeming to leave it in work access... although all this happened in matter of seconds when i pulled back out i have hit the car that was originally behind me in the side door he obviously didn't break in time to stop when i swerved... i have a feeling because it was me that hit him that i am at fault? problem is i don't want to really go through insurance as it means both me and my mother in law will lose our no claims and because it was me driving not my mother in law excess is 600 as i am only a named driver.... I would rather just pay for damages if i am at fault than give my mother in law all the hassle...how much do you think it will cost? only thing is when i said this to the man he said he needs to notify insurance anyway and mine which i have been told will lose our no claims anyway... any ideas info please as im quite confused?""

Is car insurance very high in California?

Average insurance rate for BMW 5 series and Lexus RX?

What are the average insurance rates for a BMW 530 or 5 series in general? I can understand that it may vary based on location and the driving history of the driver and maybe other factors too but still there has got to be an average? Also, how does the insurance rate compare to a Lexus RX series? Is it more or less than the 5 series?""

Where can I get temporary car insurance in the US?

I currently live in PA as an exchange student. My roommate owns a car and he would let me drive it but I am not covered by his insurance. What I need is a temporary car insurance for foreigners that don't own the car they want to drive. Any help is much appreciated!

Who can give me the name of some good health insurance companies or health insurance assistance programs?

Please tell me your monthly payment, the company name, your deductible, whether it's an individual or family policy, and if a family policy, how many family members in the plan. This info will help me decide who has the most affordable insurance for my budget. I just got layed off and my $60/mo medical insurance will cost $900/mo to keep it going. Like how the helll am I supposed to pay $900/mo; that's $225/wk! They must be dammm crazy!""

Car Insurance question! please help confused. SR-22?

So I just purchased a new car, its in my name only. I live with my girlfriend who has to have SR-22 insurance and she does. She will drive this car periodically. Do i need to list her as a driver of this car? It really raises my rates! If she is paying for her own SR-22 insurance, and its unnamed so it covers her in any vehicle she drives do I need to list her??? Need some experienced information please! Thanks!""

When do insurance rates on your vehicle go down?

I'm 22. In my 5 years of driving, I have NEVER been in an accident and have never gotten a ticket. My parents are paying around $60 a month whereas I'm still paying $117. I don't drive a fancy car neither. Just an older 2004 Camry. Is it because of my age bracket is why my insurance still hasn't lowered any? I'm with Allstate and in California if that matters.""

How much does company car insurance cost for your personal car?

If i was to take out insurance for my car to cover it for company use how much does this usually cost??? i guess every car/individual is different but on average whats the usual cost??? thanks

Mustang GT car insurance?

Hey in 16 and im looking at buying a 1994-2005 Mustang GT. I like working on cars and this car seems to me an awesome car to work on. I just wanted to know how much people pay for insurance with a mustang GT. Also how much more would it cost because i am 16.

What should the governments role be in healthcare?

What are you ok with the government touching, concerning your personal health care.""

3 car crash.. I am the insurance companies hunt !!?

Hello .. I would like to listen to your opinios regarding this situation that has turned into a nightmare for me !!! I spent few months in Australia.. I have a full driving license.. I was driving on the M4.. I had 2 cars in front of me .. I was in the last car in the row ( third car ) .. the car in the front ( First car ) has braked suddenly .. The car in the middle ( second car ) hit it causing it much damage .. I could not stop at the right time and i hit the middle car afterwards .. Now .. The man in the middle car has lied to his insurance company and said that he stopped at the right time but when i hit him i made his car jump to the front and hit the front car .. I have now 2 insurance companies chasing me for money and treat me as a hunt because i had no third party property damage at the time of the accident .. My understanding was that the greenslip covers these things but actually they dont .. I have received bills from both companies.. 7000 AUD for the front car and 2000 for the middle car .. The details of repairs in the middle car ( that i hit on a very low speed) shows that damage at the rear of the car cost only 427 AUD and i offered them to pay it .. They refused and threatened me to go to court.. The police did not come at the place of the accident .. What do you think i should do?! How strong will be my situation at the court ?!

Please help! I'm looking for an affordable health coverage plan (not Healthy N.Y. or any medicaid programs-

I don't qualify for these programs.. As I make too much-but not enough to afford health insurance. My husband takes meds. everyday 3times daily. I'm getting quite scared. Can anyone help!! Thank you!

""If you have full insurance, and the car is totaled, will the insurance cover the car?""

I have full insurance, and got in a pretty bad accident. The car is totaled... wrecked. I had full insurance... but since it is almost completely destroyed, how will the insurance handle it? I got rear ended, and the car spun out of control, going 50 miles an hour. It knocked me out... By the way, I'm lucky I'm alive! And will never drive again in my life! I am 19...""

Insurance cost?

Im a 16 year old male. Just got into wreck last thursday, not my fault. insurance stayed same. before wreck it dropped $20. I only have liabilty right now. Was 80 now it is 60. My car was a 1995 eclipe which i bought for $3500 and i paid $480 for 6 months. Now if i had that car i'd pay, $360. How much would it cost for6 months to buy a $7,000-$10,000 car. State farm is my carrier. And I do have experience. Make good grades and did steer clear""

Car financing?

https://www.linkedin.com/pulse/arizona-insurance-license-reciprocity-alexander-ross/"

0 notes

gillespialfredoe01806ld · 7 years ago

Text

Flip, Rent, or Hold: What’s the Best Path to Real Estate Riches?

realtor.com

Maybe you’re addicted to those home-flipping shows on HGTV where glam couples buy grim shacks, spend 22 minutes smashing down walls and adding funky kitchen backsplashes, and then make tens of thousands selling the refurbished places on the open market. Or perhaps you’re jonesing for a steady stream of extra income and feel certain you’ve got what it takes to be a landlord.

Or just maybe you’re on the prowl for a hands-off way to make serious real estate money with financial investments that don’t require laying down new flooring or screening prospective tenants.

Whichever option floats your boat, you’ve got plenty of company. After the epic boom-and-bust of the speculative home-flipping market in the aughts, everyone again seems to be looking to make a quick buck by becoming a real estate investor. But these days, there are a dizzying variety of different takes on the once-simple idea of property investing—all requiring varying levels of blood, sweat, tears—and risks. Which one might be right for you?

That’s where we come in. The realtor.com® data team looked at the five big real estate investments that everyday Joes and Janes may want to consider. Then we broke down the typical returns (aka profits) investors have received over the past few years, along with the pros and cons of each.

A closer look at real estate investment returns

Tony Frenzel

(Rampant flipping, spurred by overbuilding and easy, subprime mortgage-fueled credit, was a prime contributor to the real estate crash and recent financial crisis. But today, thanks to much tighter credit and inventory levels, home flipping is no longer the American economy’s red, flashing “danger” sign.)

“Over the generations, real estate has proven itself to be a pretty good, time-tested investment,” says Eric Tyson, who co-authored “Real Estate Investing for Dummies.” “Like investing in the stock market, people who follow some basic principles and buy and hold over long periods of time should do fairly well.But, of course, there’s no guarantee.”

And that’s why the thrill-a-minute world of real estate investing isn’t for everyone—especially when life savings are involved.

“Real estate is very unpredictable,” says certified financial planner Jenna Rogers of Mission Wealth in Santa Barbara, CA. “A lot of people feel like you can’t lose money in homes, but that’s not really the case. “If there’s any kind of turmoil in the market, real estate usually gets hit really hard.”

OK, now that we’ve gotten that out of the way, let’s go shopping.

1. Home flipping: Not exactly like reality TV

First half of 2017 gross returns: 48.6%* 2014 gross returns: 45.8% 2012 gross returns: 44.8%

Home flipping involves a lot of work and uncertainty, but can lead to a nice payoff.

powerofforever/iStock

If the Property Brothers or Chip ’n’ Joanna can do it, why can’t you? Real estate reality TV has made the “fixer-upper” flipping market seem fun, very sexy—and mostly foolproof. But becoming a successful home flipper is a lot harder than it looks on television. And it isn’t always as wildly profitable as you might think.

The returns appear deceptively high, as they don’t account for hefty renovation costs, closing costs, property taxes and insurance. Flippers should figure that about 20% to 30% of their profits will go straight toward such expenses, say experts. The median returns above only reflect sale price gains—not net profits.

Newbie investors need to make sure they’re thoroughly familiar with a neighborhood before they consider buying a potential flip in it, says Charles Tassell, chief operating officer at the National Real Estate Investors Association, a Cincinnati-based investors group. This means looking at what kinds of homes are located nearby, what sort of shape they’re in, and how much they’ve sold for. Wannabe flippers should pay attention to the quality of local schools, transportation, and the job market—just as they would for their own home. Those are the things that can make or break a sale. And an investment.

A market where homes are still affordable but appreciating rapidly is ideal.

Like Pennsylvania! The highest flipping returns in the second quarter of the year were in Pittsburgh, at 146.6%; Baton Rouge, LA, at 120.3%; Philadelphia, at 114%; Harrisburg, PA, at 103.3%; and Cleveland, at 101.8%, according to the real estate data firm ATTOM Data Solutions. Those Rust Belt cities topped the list because they have plenty of cheaper, older homes that can be easily updated, and because housing prices there are rising as economies (slowly) improve.

Once they’ve settled on an area, flippers need to focus on the basic structure of prospective homes. Special attention should be paid to a home’s heating and cooling systems, foundation, and roof—the things that are most expensive to fix.

Then they need to create a realistic budget. Experts recommend setting aside 10% to 20% to cover any unknowns—like what’s inside the walls. Costly surprises are par for the course.

“The biggest hurdle of flipping is: The costs are never what they seem to be on HGTV,” says flipper and landlord April Crossley, co-owner of Crossley Properties in Reading, PA. She owns the business with her real estate agent husband, and they do 8 to 10 flips a year. “In fact, they’re always way more.”

Flippers are gambling that the housing market stays strong in their target area—at least long enough to resell their investment home.

“You’re constantly anticipating what the market will be doing 6 to 12 months in the future,” says Daren Blomquist, senior vice president at ATTOM. So if you miscalculate, and it drops, you could lose a lot of money.

2. Investment (rental) properties: You, too, could be a landlord

First half of 2017 returns: 13%* Three-year returns: 9.9% Five-year returns: 11.67%

Renting out a property provides a more predictable income stream.

monkeybusinessimages/iStock

Perhaps flipping homes, and all the varied costs and stressors associated with it, isn’t for you. But you’d still like to be a hands-on real estate investor. Why not consider buying investment (rental) properties?

One big advantage is the tax deduction folks get for their rental properties. They can write off their mortgage interest, property taxes, and operating expenses, as well as repairs.

Like home flippers, landlords-to-be should look at growing areas with new jobs moving in, says Steve Hovland, director of research at HomeUnion, an Irvine, CA–based company that helps smaller investors buy and manage properties.

“I’m very bullish on high-growth markets, like Texas, the Southeast, Arizona. You’re always going to have new renter demand,” he says. But coastal cities can be tough for aspiring property owners because they’re just too expensive.

The best markets for investors were Cleveland, which fetched a 11.5% yearly return; Cincinnati, at 9.8%; Columbia, SC, at 8.6%; Memphis, TN, at 8.5%; and Richmond, VA, at 8.2% in the first quarter of the year, according to HomeUnion. The worst were San Francisco, at 2.8%, and Silicon Valley’s San Jose, at 2.8%.

First-time investors may want to target middle-class neighborhoods near top-rated schools, where stability rules and tenants are more likely to hold steady jobs. These homes often require less maintenance—a boon to landlords who don’t live nearby.

“You’re always able to replace renters in nicer neighborhoods with good schools,” says Hovland.

Landlords who aren’t local or don’t want to deal with 3 a.m. calls about an overflowing toilet will want to consider hiring a property manager who will find tenants and coordinate (but not perform) maintenance. But that eats into profits, costing about 7% to 12% of the monthly rent.

And the payoff you get, as compared with flipping a home, isn’t in one lump sum, and isn’t always steady. For example, landlord and flipper Crossley rents out multiple single-family homes, duplexes, and apartments in the Reading, PA, area, and once had a couple stop paying their rent for six months after they went through a divorce. She had to eat those losses, as well as attorney fees, while she went through eviction court to get them out.

Landlords also need to have insurance on their properties and set up their rental companies to protect their personal assets, in case they get sued.

And like other investors, owners also run the risk that home prices—along with the rents they were counting on—could plunge.

“You have to be prepared for the worst. When something goes wrong in a tenant’s life, you’re the last person to get paid,” Crossley says.

3. U.S. REITs: Buying shares in real estate instead of companies

Year-to-date returns: 2.75%* Three-year returns: 8.39% Five-year returns: 9.79%

For some real estate investors, REITs really stand out.

TimArbaev/iStock

Those who’d like to own apartment and office buildings like a legit mogul but don’t have the bank balance to do so may want to turn to Real Estate Investment Trusts. Don’t worry if you’ve never heard of REITs. You don’t need a fancy finance degree to understand how they work.

Most REITs are publicly traded corporations that investors buy and sell shares in—just like stocks. Only instead of buying shares in Apple, you’re buying shares in real estate. Shares can range in price from just a few dollars to hundreds of bucks. Investors can buy into them on certain exchanges.

As with stocks, investors can make money by buying shares at a low price and selling them at a higher one, and by collecting quarterly dividends (payouts are made every three months).

There are two main kinds of publicly traded REITS. Equity REITs own rental properties ranging from homes to business space, and make money collecting income on them. Residential and commercial mortgage REITs allow investors to buy mortgage debt where investors profit from the interest.

Of all of the real estate investment trusts, data center REITs—where companies rent out space to store their network servers—had the highest one-year returns, at 29.79%, according to the National Association of Real Investment Trusts, a Washington, D.C.-based REIT trade group. It was followed by home financing mortgage REITs, which invest in bundles of home loans, at 25.57%.

The biggest losses were in the retail sector, as more shoppers make their purchases online. (Thanks, Amazon!) Big shopping malls, usually anchored by department stores, took the biggest one-year hits, at -26.78%, according to the association.

4. Crowdfunded real estate: Like Kickstarter for property

Year-to-date annualized returns: 8.72%* Two-year returns: 8.89%

Buy a place with a bunch of strangers you don’t have to live with.

Logorilla/Getty Images; scibak/iStock; realtor.com

Crowdfunded real estate is like the younger, cooler cousin of REITs. Simply put, it allows ordinary folks to pool their money to invest in things like apartment complexes, office buildings, and shopping centers. It’s like a Kickstarter for buying real estate—instead of funding your college roommate’s feature-length documentary about Furries.

Previously available only to uber-wealthy accredited investors, crowdfunding only became open to the general public in March 2015. That’s when the government enacted new rules opening up the investments to folks without ginormous bank balances. So there isn’t much data available yet on how these investments perform over the long term.

While REITs can hold tens of thousands of properties and be worth billions of dollars, crowdfunding companies are often significantly smaller, holding just one or a handful of properties. And they often require a long-term commitment from investors.

As with REITs, the two main options in crowdfunded real estate investing are equity or debt.

Equity, the riskier of the two, involves investing in a fund connected to commercial or residential development. It makes money from the income the property generates and the increase in the value over time. The investment is usually tied up for about five to seven years. Debt is the loan used to get the project off the ground and continue to finance it through the life of the project.

Over time, accredited investors—the wealthier ones who have been in the investments the longest—typically receive anywhere from 11% to 45% annual returns on their equity crowdfunding investments, says Ian Ippolito, a retired investor who founded the website The Real Estate Crowdfunding Review. Since these types of investments have only recently been opened up to the masses, the annual returns for regular investors are about 8.2%. That’s expected to rise if all goes well when the property is sold five to seven years down the line.

But if the development doesn’t get fully built or doesn’t make any money, then investors may get nothing—and even lose their investment.

“These are long-term investments, so if you pull your money out early, there’s usually a financial penalty,” Ippolito says. That’s a big difference from REITs, which can be sold at any time. “Retirees who need the money soon probably should look elsewhere.”

Debt is a bit safer, but the payouts may not be as high.

5. Home appreciation: The investment you can live in

One-year appreciation: 10%* Three-year appreciation: 26.7% Five-year appreciation: 44.8%

The easiest real estate investment? Just live in the house and wait.

monkeybusinessimages/iStock

Folks don’t need to flip homes or pour money into crowdfunded projects to make money as a real estate investor. Instead, they can search hard for the perfect home, get their finances in order, negotiate smartly, and close the deal for the best possible price.

And then live in it.

Real estate typically appreciates over time. That means that buyers who buy a home in a decent area and keep it in good shape should make money when they decide to sell. Depending on the market and the home, sometimes a lot of money. But they should plan on being in that home for at least five or so years, so they can build up enough equity in the home to net a profit once real estate agent fees and closing costs are accounted for.

“In general, buying a home is a good investment and a way to build wealth and equity over a lifetime,” says Joseph Kirchner, senior economist at realtor.com®. “[But] even if you’re buying it to live in the house for the next 30 years, it is always better to buy when prices are low.”

And as folks build equity in their home, through appreciation and paying down their mortgage debt, they can take out home equity loans or home equity lines of credit against their property.

But of course, just as with the other investments on this list, there are risks. The country could enter into a new recession, or there could be a local housing market crash if a big employer leaves the area. Or homes in your area could simply be overvalued.

However, when home prices fall, they do generally rebound—eventually.

“Good markets aren’t going to last forever,” says real estate investment author Tyson. “Even the best real estate markets go through slow periods.”

* ATTOM Data Solution supplied the median gross home-flipping returns. HomeUnion provided the median returns of investment properties. The National Association of Real Estate Investment Trusts provided REIT performance data as of Sept. 21. The Real Estate Crowdfunding Review supplied the average crowdfunded real estate returns for nonaccredited investors. The review’s year-to-date data are through Aug. 1, while the two-year data are from October 2015 through Aug. 1, 2017. Median home appreciation is as of Aug. 1 and comes from realtor.com.

The post Flip, Rent, or Hold: What’s the Best Path to Real Estate Riches? appeared first on Real Estate News & Insights | realtor.com®.

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medicalnewstoday · 5 years ago

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Global Microwave Ablation Devices Market research Prophesied to Grow at a Faster Pace by 2019-2029

The increasing prevalence of cancers is one of the major factors contributing to the growth of the microwave ablation devices market. Hepatocellular Carcinoma (HCC) is the fifth most common cancer and the third leading cause of cancer related deaths worldwide. The liver is a common site for the development of primary metastases from other primary cancers, such as colorectal carcinoma. Lung cancer is the most frequent cancer and the leading cause of cancer-related deaths, followed by colorectal cancer.

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While cancer has been one of the major causes of death worldwide, around 18 million new cancer cases were diagnosed globally, in 2018. By the end of 2030, this number is expected to double and cancers of breast and lung will be the most common types, worldwide. Currently, hepatocellular carcinoma and renal & adrenal diseases collectively account for more than 50% of the overall demand generated for microwave ablation devices.

High Adoption of Microwave Ablation Devices Prevails in Hospitals

Hospitals will remain prominent end users of microwave ablation devices, as a majority of patients continue to choose hospitals as their preference for seeking medical care. Cancer Research Institutes are also estimated to account for a significant share in the revenues of microwave ablation devices market over forthcoming years.

On the other side, the ambulatory surgical centres and specialised clinics segments collectively account for less than a fourth of the overall market value of microwave ablation devices.

Increasing Role of R&D in Raising Demand for Microwave Ablation Devices

The launch of new and improved products and increasing investments in research and development by the manufacturers of microwave ablation devices are expected to contribute to the growth of the global market over the forecast period.

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For instance, on June 7, 2017, the AngioDynamics’ Solero Microwave Tissue Ablation System received FDA approval, following which it was launched for the ablation of soft tissues during open procedures. In March 2016, the company Ethicon (subsidiary of J&J) announced an agreement to acquire NeuWave Medical, Inc. for manufacturing minimally invasive tissue ablation systems.

Various policies have been imposed by governmental bodies, with an intent to regulate the alarming rate of cancer prevalence. Colorectal Cancer Control Program (CRCCP) that includes 30 states, universities, and tribal grantees across the U.S. Increase in cancer research finds has led to the establishment of several new dedicated cancer research institutes, which has been contributing majorly toward improved patient survival rates through the treatment enabled by microwave ablation systems, resulting in dramatic improvements in the quality of life for cancer patients.

Preference for Minimally Invasive Procedures Accelerating Demand Growth

Technological advancements and innovative imaging techniques, such as ultrasound and Magnetic Resonance Imaging (MRI), have improved the prospects of screening and survival for people living with cancer by providing health services that can focus on the early diagnosis and treatment of various diseases. Today, a considerably high number of people prefers minimally invasive surgical treatments.

Microwave ablation devices are used in minimally invasive surgeries to remove large-sized high-energy low-risk tumors. Moreover, tumors in kidney, lung, liver, and low-temperature parts of body are ideal to be treated with microwave ablation procedures.

These procedures assure a lower recurrence rate that tends to eliminate the need for patients to return to hospitals for the same treatment after a few months. This constitutes one of the most prominent advantages of microwave ablation devices, which will boost the demand for devices in global market.

The Future Points to Growing Potential of Devices Based on Combination Therapies

Microwave ablation overcomes the limitations of radiofrequency ablations, which also means that new methods that combine microwave ablation with chemotherapies, such as immunotherapy, point to the key research areas in the near future. Leading manufacturers of microwave ablation devices are thus aiming at developing new techniques with a combination of therapies for the treatment of tumours.

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Microwave ablation is considered to be among the promising techniques that have the potential of treating a wide range of cancers such as biliary tract cancer, lung tumours, liver metastases, breast cancers, as well as arterial tissues.

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legalassistance · 2 years ago

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Full Guide to Creating a Living Trust in San Jose

Creating a living trust in San Jose, CA can seem overwhelming, but with the right guidance and attention to detail, it can be a straightforward and stress-free process. A living trust, also known as a revocable trust, can provide a number of benefits, including avoiding probate court and ensuring your assets are distributed according to your wishes after your death.

In this article, we’ll outline the steps you need to take to create a living trust in San Jose, CA, and provide you with the information you need to make an informed decision about this important estate planning tool.

Step 1: Determine Your Goals

Before you begin the process of creating a living trust, it’s important to determine what your goals are. Do you want to avoid probate court? Do you have specific assets you want protected? Do you want to ensure your assets are distributed according to your wishes after your death? Answering these questions will help you to determine what type of trust is best for you, and what assets should be included in the trust.

Step 2: Choose a Trustee

A trustee is the person who will manage the assets in your trust. This person should be someone you trust to make decisions on your behalf and handle your financial affairs in accordance with your wishes. Consider choosing a family member, friend, or professional trustee, such as a bank or trust company.

Step 3: Gather Your Assets

In order to create a living trust, you need to determine what assets you want included in the trust. This can include real estate, personal property, bank accounts, stocks, and bonds. Be sure to gather all of the necessary documents and information related to these assets, including deeds, titles, and account numbers.

Step 4: Draft Your Trust Agreement

Once you have gathered all of the necessary information, it’s time to draft your trust agreement. This document outlines the terms of the trust, including who the trustee is, how assets will be managed, and how they will be distributed after your death. You can draft your trust agreement yourself, or you can work with a living trust attorney San Jose ca to ensure that it is properly prepared and meets all legal requirements.

Step 5: Fund Your Trust

After your trust agreement is complete, the next step is to transfer your assets into the trust. This process is known as “funding” the trust. The transfer process will vary depending on the type of assets you have, but it typically involves re-titling assets in the name of the trust.

Step 6: Review and Update Your Trust Regularly

It’s important to review and update your trust regularly to ensure that it continues to meet your needs and reflects any changes in your life or circumstances. This may involve updating the trust agreement, changing the trustee, or adding or removing assets from the trust.

Conclusion

Creating a living trust in San Jose, CA can provide peace of mind and ensure that your assets are protected and distributed according to your wishes. By following these simple steps, you can create a living trust that meets your needs and provides you with the protection you need.

For more information on creating a living trust in San Jose, CA, or to schedule a consultation with an experienced attorney, contact Affordable and Express Legal today. Our team of experts will help guide you through the process and ensure that your living trust is properly established and funded.

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music-research-strategies · 7 years ago

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Characteristics of Bone: A Memorie

https://amerarcana.wordpress.com/

...bone represents the very source of life, both human and animal. To reduce oneself to the skeleton condition is equivalent to re-entering the womb of this primordial life, that is, to a complete renewal, a mystical rebirth.

-Mircea Eliade, Shamanism: Archaic Techniques of Ecstasy

The characteristics of bone describes the music of Glenn Spearman (tenor saxophone) and Marco Eneidi (alto saxophone). They have moved beyond bone now, yet bone is eternal. Civilization can never defeat bone. For the sake of the memory of Glenn and Marco, I will skip the rigmarole of making an acrostic of their names, and whatnot. You need only to find recordings and listen: listen to their material. You need to run it down from before the beginning for yourself, and after. Many others are more qualified than I to give detailed accounts of the lives of Glenn Spearman and Marco Eneidi. It was only dumb luck and poverty that led me across their paths in the first place.

I was homeless San Francisco in 1993 just a few months after coming from San Diego. I came up Highway 5 to attend the state university. I had even sold my drum kit to barely afford the essentials. This is when I discovered the infamous San Francisco burrito and the salsa verde, which my buddies still refer to as “the drug.” El Castillito made them huge, by San Diego standards, and the wasn’t far from my place on 26th and Alabama. My job at the recycling center at school didn’t pay but once a month. I had to starve in between checks. Not dire by any account. I loved it. I was a Creative Writing student after all. I’d starve and smoke and nibble and drink wine. Within a month of living in in the city, sunrise to sunrise. I was pushed out of a ratty apartment in no time. I discovered Food Not Bombs and Homes Not Jails through the Epicenter Zone, a Punk community center. They had a switchboard hot-line service for those in need. No one really had cell phones or the internet. I made my way to a Homes Not Jails meeting. They had left over free soup from Food Not Bombs. A dude I met there let me crash in his attic. Jeremy Graham. We talked about what I thought was music and I what I thought was literature. He is a lawyer now and still comes to my shows 23 years later. Jeremy gave me a tape of John Coltrane’s last album “Expressions”, Frank Wright’s “One for John” album (with Bobby Few and Noah Howard), and Glenn Spearman’s Double Trio.

“...(Cecil) Taylor drafted (Glenn) Spearman for a big band…(t)hat led to a few gigs with Cecil’s other bands, a seven-piece group which played for dancers, and a six-piece Cecil Taylor Unit including (Raphe) Malik, Jimmy Lyons, William Parker and Rashid Bakr ‘That’s where I got my advanced degree in music,’ says Glenn.”

Bassist Lisle Ellis has been a great conduit for me, and the other young pups I ran around with. Lisle was a later addition the Glenn Spearman’s Double Trio. He was the only one as far as I knew. I saw them perform as much as possible. Great musicians, bunch of dudes: William Winant (percussion), Donald Robinson (drum kit), Chris Brown (piano), Larry Ochs (saxophones), Lisle on bass and Glenn. I still don’t really know the other guys well. Lisle linked me to pedagogies and practices of the Creative Music Studio in New York around the mid-70’s, Don Cherry, Cecil Taylor and beyond. Plus, he remains super accessible. He ran a workshop out of his apartment in the Upper Haight in San Francisco. Had us doing all kinds of exercises. He introduced to me violinist India Cooke which led to trio project, ESP, with bassist Kimara Dixon (a dude, now in Atlanta). She was teaching me to listen demonstrating loads of patience. Lisle joined us once on stage at Beanbender’s in Berkeley. India, Glenn, Chris and, maybe, Willie, back then, were on the faculty at Mills College. Larry was/is a part of ROVA Saxophone Quartet as the “O.” He performed the “Bedouin Hornbook,” back in the day. Donald fixed cars and drove the smallest car. It only fit a driver and drums. It was a Le Car or old school Honda Civic or something. Simply legendary.

India and Glenn were my Black Arts Movement - West. I uncovered Ishmael Reed and Marvin X a bit later, after music. Many Black artists, intellectuals and Creative Musicians passed through the San Francisco Bays’ industry of thought, but I wasn’t really hip to it at the time. I was a struggling student and political activist. I staunchly rejected MTV and Hollywood because Chuck D, KRS ONE and Bad Brains told me to, thankfully. I switched majors from Writing to History to Philosophy & Religion and kept yo-yoing in and out of school. I kept up political education and service-based activism. Francis Wong, Jon Jang, Fred Wei-Han Ho and the Asian Improv Arts crew were quite explicitly positioned the music in an international, multi-ethnic nexus of resistance strategies and cultural progress. Rest in power, Fred. His book Sounding Off!: Music as Resistance / Rebellion / Revolution. There remains a lack of radical analysis and language amongst my community of Creative Musicians. Jason McGill and I interviewed back when Royal Hartigan gave him a residency at San Jose State. We heard Free Jazz as get-free-or-die-motherfucker! Years later Fred warned me about my academic language and intellectual tendencies. Fred was an action man. I mean, you just gotta talk to people and build. I find myself now digging through the past relationships and realities I simply missed in the ol’ Bay Area Creative Music scene.

Unlike most cities, homeless persons, street persons, are quite visible up and down certain streets at all hours in San Francisco. I saw my fair share working with organizations affiliated with the Coalition On Homelessness. People have many reasons for escape, I can’t judge. What got me was that I recognized myself in the blatherings and bangings of some ecstatic urchin, high as fuck, banging away on buckets and pans for change, or for no reason at all. I stopped and stared not knowing if I was seeing my future self. A child of an alcoholic, though never an excessive user of any such thing, I only sought something behind the music I craved and worked through. Chasing Creative Music made me feel how that tripped out dude looked. People on the day to day are truly Improvisers: improvising a meal, a living, a laugh, so-called sanity. Navigating these streets and institutions will sure put you on a different plane. Just like how solitary confinement creates insanity. The complexity of the Double Trio saved my life. People say that kind of thing sometimes, and when it’s true it’s true. ROVA also turned me out. Composer, all around musician and bassist for Earth, Don McGreevy recently reminded me of all legacies of complexity, wonder and mastery that we inherited from this continuum of Creative Music. The bar is quite high.

I was hungry for that essential transmission from improvisors with teeth. Experiencing the Double Trio was a kind of an initiation. My crew of musical and personal allies were transitioning into Creative Music enthusiasts at the same time. We imbibed all that we could. Performances spaces took on a sacred and profane quality. I only spoke to Glenn once or twice. I interviewed him on the phone after he quit doing chemo. He said he only wanted to self-medicate and finish his work peacefully. I trust that he did.

Last I saw Marco, it was in February 2015. We ran across each other in Vienna, Austria on a Tuesday night. I was hunting for him. Black Spirituals, my band from Oakland, CA, performed while on tour with the iconic drone Metal unit Earth, from Seattle. We found ourselves in the fortunate circumstances of having our meals, booze, venue and sleeping accommodations all under same roof, or rooves in this case. European venues do it good that way. Drink up and load out in the morning, like a human being. I befriended a Viennese chap, an artist or philosopher unlucky in love, who joined me in a cab at midnight. We cut through the immaculate city in search of Marco. We found him, gray-faced and dogged, preparing to go home. He had been running the New Neu York/Vienna Institute of Improvised Music. Dude looked exhausted as he greeted his former apprentice, sort of looking past me. He was looking for his bed, no doubt. The poor bastard exchanged a few words and promptly left after informing us how avoid the entry fee at the venue door. He disappeared into the night, into history, and, all too soon, into the awaiting arms of the ancestors. I guess I thought he’d be a buoyant Henry Miller with a tart over one shoulder, tobacco smoke pouring out over too many words, a fifth in his breast pocket, and rubber soles under his heals. I think I just wanted to see his horn-playing stance one last time. That night, though, I performed improvisations with no-non-sense, badass musicians and threw back a few with Hans Farb from Festival Konfrontationen in Nicklesdorf. He knows all my Free Jazz family intimately. He is like an uncle I never knew was out there.

Several years before, during one of Marco’s orbits from Vienna to the San Francisco Bay Area, I was able to host him. I booked a gig at Omiiroo Gallery in Downtown Oakland. It was my duty to spotlight him, feed him, give him a $100 bucks, and the stage. My man Githinji set it up. He taught me how to make Kenyan black-eyed peas for the occasion. “Gotta use coconut milk, brottar.” I arranged for additional catering from the Afghan spot down the street. And since the gallery didn’t have a proper bathroom, I made further arrangements with the Afghans to keep everybody comfortable. My band at the time was called Mutual Aid Project, a free jazz collective. We had undergone and performed the very first iterations of Decolonizing the Imagination together. Nick Obando (alto saxophone), Tracy Hui (guitar) & I performed composed analyses and democratic spaces to confront the tenets of colonization that brought our peoples to this land and still persist in our everyday lives. Rarely work with such deep cats. However, they were rightfully annoyed with me because I opted to perform solely with Marco. The next night, I must say, we opened for him at the Hemlock Tavern in San Francisco with Jamaaladeen Tacuma (electric bass), Lisa Mezzacappa (acoustic bass) and Vijay Anderson (drums). That gig with Marco was mine. My brother was shooting video, sort of. Some hot, young thing was sitting in the front row. My pops and his lovely wife brought their friends up from Oxnard and down from Napa-tasting. See, it was my dad’s birthday. I felt like an apprentice when I first pulled Marco’s coat and now I was a journeyman. We did two sets. I never released it. It’s just a thing I had to do.

In early 2000’s, I worked with Marco as his sometime drummer. He was the kind of guy who lived in a van in NYC, so I heard, and schlepped his axe everywhere. Someone actually stopped me from doing that myself when I lived in DC. Back

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