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therealestatesparkblog · 6 years ago

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Stop Building Garages: How Driverless Cars Will Affect Real Estate

Driver-less cars are going to change alot, and if you havent been actively reading about this, then its most likely going to happen much faster than youre expecting. At first glance, there may not seem to be much overlap between the auto industry and the real estate industry, but the impacts and infrastructure changes from this technology will be felt by everyone. As investors, its our responsibility to understand changes as far out in advance as possible so we can adapt to progress and mitigate new risks. Just about everything in this article takes place across the next 1530+ years, which may seem useless to some. However, if youre currently buying 30-year mortgages then youve got commitments that fall well within this transition period, and these changes will affect you. Having a better understanding of the future can be massive risk-mitigation tool against getting caught off guard when changes negatively affect you. Driving Will Change Where People Want to Live Because Cars Will Commute for Us Imagine you could wake up at 6 a.m. and crawl into your car and tell it to head to work while you got back to sleep. In two hours, youre there, youre safe, fully rested, and you arrive at work on time without having to deal with traffic or the monotonous task of driving. This is not science fiction. In fact, based on todays technology, this isnt even far fetched. This is science inevitability. So how does this affect real estate? Well, think of all the people who dont want to live in Washington D.C., Los Angeles, or New York City. What if they could live an hour or two outside the city and commute to work without losing any real time out of their day? How might this affect home values in a city when people can commute there easily without having to live there and without making any sacrifice to do so? It doesnt even have to be this extreme, either. Lots of people would be willing to commute for one hour each way if they didnt have to drive. This creates a lot of space between a city hub and the places people can live without taking on the financial burden of city costs. Might home values in a city go down when the necessity to live close by is reduced? Maybe cities will create an even larger price premium for those who can afford to live there while the masses are forced to commute an hour or two each day from poorer suburbs. Cars Will Be the Next Rental Real EstateOwning a Car Will Be a Luxury Car ownership is going to be a thing of the past before you know it. Sound crazy? Its not even a secret in the auto industry. Did you know that Ford, the oldest car company in America, has announced its going to stop selling cars and just sell trucks and SUVs? How can they do this? Thats a lot of cars to give up on selling unless they dont expect to lose that many sales. Companies who host ride sharing like Uber, Waymo, and Lyft are developing fully autonomous vehicles and are building fleets to replace personal car as we speak. General Motors is building a mass-market, fully autonomous car right now that will not be sold to the public. It will be only be used as part of a ride-sharing platform and available (supposedly) in 2019. That means two of the biggest auto manufacturers are starting to just flat-out not sell their products to the public. This is a signal of really big change. Owning a car isnt really that expensive, but there is zero return on investment. Its only an expense. However, once cars can finally drive themselves 24-hours a day, all while producing income, the value of ownership will go through the roof. The most likely scenario is that Uber will sell unlimited-use passes by the month, and we will all happily give up car ownership in trade. Itll be on-demand, easy, fast, and awesome. It may sound far fetched, but people will happily give up car ownership in the not-so-distant future when the cost savings become obvious. The value of any business is based on its income production. If you think cars are expensive now, imagine how much more they might cost when its a guaranteed profitable purchase. Related:Your Car is an Expensive, Health-Sucking, Time-Wasting Machine. So, Ditch It! Those with means to own their personal cars will create a moat between social classes. These days we might see a Ferrari and say, Oooooh, that person has money! Look at their fancy car! In the future, someone driving a Camry might get similar treatment: Ooooooh, that person has money, they can afford to have a personal car!!! Lots of people in America buy their own homes, and some own an extra house as a rental. The volume of landlords is relatively small because owning a house requires capital, resources, knowledge, risk mitigation, etc. In the future, cars will be the new rental real estate; people with means will still own their cars, and a few will own an extra car. The second car will drive itself around as part of a ride-sharing platform and produce income, just like a taxi, but passive.

Remember That Extra 900 Square Feet Everyone Had to Add to Our Houses to House a Car? What Were They Called? Oh Right, Garages! Why would you need a garage if you dont own a car? What value does a garage provide? Storage, for sure: We get to put our unsightly water heater there, the Christmas decorations, and the treadmill that my wife just had to own. Is that all worth the space and cost that a garage requires? Not likely. So will garages be a premium in the future, or a nuisance? More likely itll fade from importance in middle-to-low-end housing and continue in luxury homes. This problem is already being tackled with large parking garages. It might be a bold claim to say you wont need your garage in 20 years, but the world really wont need massive multi-level parking garages. Efforts are already being made to find out how to convert these spaces into light retail, office, storage and other amenities. Its not going to be feasible to tear down all that concrete, but it will be imperative to find something useful to do with all that space. Currently we pay a premium for garages because they are a highly sought after convenience. However, when the majority of people dont own cars, will that garage command a premium? Or will it be a detriment? Whats the Land Underneath a Gas Station Worth? Some of the most valuable land you can find is sitting underneath a gas station, and for good reason. Corner lots with good road access on busy cross streets serve a lot of cars and provide tons of ancillary needs. (Where else are we supposed to buy Slim Jims?). This infrastructure has been built up over decades and billions of drivers, but at its core it really relies on one thing: the internal combustion engine. Electric cars, however, dont need gasoline (surprise!). Youll charge at your home and probably at work. So how often are we going to need a gas station then? Hard to say, but the fact is, people will use a lot less gasoline, and my assumption is they will use gas stations much less. Now, obviously, some operators will find competitive advantages to survive, but many will not. And in rural areas, we should expect this problem to be much worse. A complete halt on gasoline sales is unlikely, because there are still uses for the product: small engines, generators, non-EV-conformers, etc. Thats a pretty weak position to hold onto though. Lots of industries are long gone, but still have niche support. Walmart will still sell you a CD Walkman (I saw one recently for $30!), but you wouldnt use that example to highlight the value of compact discs. Related:7 Sharing Economy Side Hustles Real Estate Investors Can Use to Earn Extra Cash When gasoline sales do slow, what will gas station owners do? I personally think most will go away, but not before suffering increasingly diminished profits as they experience the decline. Many will sell their businesses because of this, and what will their assets be worth? No one wants to look at a declining income statement trend and then pay top dollar. What about all the stores attached or adjacent to gas stations that capitalize on the heavy traffic? Ive heard of no great solutions to these questions, but that wont stop the impending takeover of autonomous and electric cars. How Long Will All My Daydreaming Take to Come to Fruition? If you dont read often about this topic, then its likely that this transition will happen much sooner than you would guess. People hear about autonomous cars and say, Itll never happen. Well, never will begin in 2020 when both General Motors, Ford, and others start to produce mass-market autonomous cars. What happens when every cab and Uber driver across the country goes jobless in a few short years? Ride sharing platforms will replace car ownership, as I mentioned earlier, and it will start next year. GM has publicly announced plans to build cars not sold to the public. They will only be part of their ride sharing platform.next year.How will home values be affected when waves of mass unemployment start? Take everything Ive mentioned so far and apply it to truck drivers as well. In fact, they will be unemployed first, as autonomous 18-wheelers are already being used in the UK. Unfortunately, I have no good advice for how to adapt to this, but anticipation and being proactive about change should help. For the Itll never happen camp, they will not take any measures to protect themselves and it will cost them dearly. What I dont want to convey here is not to buy a house with a garage because you might not need one in 30 years. Thats silly, but maybe get used to the idea of not needing one in the future. Sleeping in our cars is what poor college kids do when they are really stretching, but in 10 years it might be a feasible temporary option instead of stretching to rent an apartment. Twenty years ago smartphones didnt exist, now I cant go three minutes without touching mine. Its important not to get too confident of what is normal, as you may get caught stuck in the past. You dont need to have an MBA to know that businesses who refuse to participate in new technology go under. The board members at Blockbuster obviously had a strict head-in-the-sand policy. Dont be like Blockbuster. Embrace and adapt to changing technology.

What do you think? Am I on to something? Where do you see the future of garages and personal vehicles? Share below! https://www.biggerpockets.com/renewsblog/stop-building-garages/

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lazytacomoon-blog · 7 years ago

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What are the cheapest companies to insure me as a 2nd driver on a 1.2 punto (MALE, 19, UK)?

"What are the cheapest companies to insure me as a 2nd driver on a 1.2 punto (MALE, 19, UK)?

I'm a 19 year old male living in the UK in Birmingham! I passed around a 2 months ago! The cheapest quote I found was 1600 on a comparison site but it's too expensive! Is it worth getting a tracking device and alarm and stuff fitted? How else could I lower my insurance?? Could you recommend any other cars I could get instead of a punto? (no higher than insurance group 5 and no more than 3000) THANKS! =]

BEST ANSWER: Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr

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Im looking for car insurance?

coverage for individuals who are less able to afford auto insurance

Why does car insurance rates increase if you have a lapse in coverage?

For example, lets say I have car insurance and pay it on a timely matter and then all of a sudden I move to city where there is a lot of public transportation and my car breaks down. So, instead of worrying about my car I utilize the bus system as I cannot afford to have my car fixed, in turn I cancel my car insurance. Hypothetically lets say a couple months down the road I have a change of heart and am able to afford the repairs for my car. So now my car is up and running etc etc. Why is it that now when I sign up for insurance again my rates will be higher. My situation is that I have a vehicle but it is a lot older and it is broken down right now. It is going to be a few months before I can get it fixed. So, I thought of canceling my insurance bc I was wondering why should I pay insurance for something I am not driving. I, then, told my agent that once i got it fixed i would add the insurance back, he then told me what the consequences of my actions would be. Why do my rates go higher just bc I get rid of the insurance? It's not like I am doing anything illegal. I would not be driving the car bc it is broke down.""

Tell me about your motorcycle insurance.?

i'd like to do a quick survey: how much do you pay; what type of bike; your age and location? who do you buy from?

How much will my car insurance cost me?

I am 18 years old, I just got an 07' Chevy Silverado and I need insurance tomorrow, how much do you think it'll be monthly? Also how much would it be if I got on my dads or grandmas insurance? I need cheap! haha""

Where is the cheapest place to get car insurance for a 17 year old male?

Does searching for Car Insurance drive you crazy?

Quad insurance abd bike insurance ?

Jw if I get a 125 or 250 quad if the insurance will be similar to a bike or car same with tax Cheers

When does car insurance lower for a guy?

I am 20 years old, I have been driving for the past 4 years with my parents cars. I pay through my parents for my insurance. I am looking to buy my own car and the insurance is only slightly lower than paying for what I have now! I looked at an 01 Ford Focus and it will cost my $1200 for 6 months! I also looked at a Ford Taurus it was about $900 for 6 months, a 97 Malibu is about the same as is a 97 Olds. The cheapest insurance I could find was a 94 Ford Ranger which is only $850 for 6 months. When does car insurance lower for a guy?""

Best option for buying insurance for my 8 yr old child?

I am wanting to buy insurance for my child. He is no longer covered by his old plan and I want to get it ASAP. Without having company/ group coverage as an option I have been looking at EHealth online services. It can be a little confusing on just exactly which is the right deal. My child is never sick and has no existing issues, but with all the sport; I just don't want to be facing a broken leg and no insurance. I could some advise here. I have all but pulled the trigger on a package I found through Humana (I think) on the E health site but I just would like an nonbias opinion first. Thanks""

What are the cheapest companies to insure me as a 2nd driver on a 1.2 punto (MALE, 19, UK)?

Health insurance providers in the state of ohio?

i am trying to get health insurance quotes from as many companies as i can in the state of ohio. so far i have came up with: anthem aetna united healthcare humana anyone that i am missing? thanks

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

Why does CAR INSURANCE cost more when a CAR/ motor vehicle is PAINTED RED?

Why does the color red coast more to insure ?

Can You Give Me Any Tips for Finding Low Cost California Medical Insurance?

Florida Car insurance questions? Agents?

Any of these you could answer would be great. 1. Will my Dad's insurance cover me if I drive his car if I dont permanently live with them anymore? Does the policy including anyone he gave permission to drive include me then? 2. Would it be cheaper to get my own insurance or be added to his policy? 3. Im home for the summer from college, so would it be possible to pay for a couple months worth of insurance, because he cant afford a 6-month policy for me 4. Does insurance cover the car or the person? 5. If I were to get insurance now, then get my own car in the near future, what changes would have to be made and how easy would they be? 6. My dad said something about not being able to take me off his insurance once I was on it, because I go to school in the same city. Why is this? Also, I'm 19, female and live in Florida Clean record, my dad drives a Toyota 4-runner""

What is it like selling insurance?

is it really hard?

What is the average cost to add a 16 year old to auto insurance?

I am 16 and I am trying to get my parents to let me get my license and put me on the insurance, but they think it will cost to much. I know it will cost more, but I don't know how much and I have an A average at school and I am a girl so that has discounts. I asked the insurance place but they asked to many questions so if you have a rough estimate that would be great.""

What the youngest age someone can get auto insurance?

Can I get insured for a Volkswagen Golf GTI? (i'm 18)?

Hi! I wanted to buy the new golf gti, and I was wondering how much insurance would cost. What do you think will be cheaper, insuring the golf, or importing a car from another country (i won't have to buy it- i'll just take one of my parents' cars. Please don't say you won't be able to afford it etc. Trust me, I can afford it. Full stop.""

Need help to get the cheapest car insurance possible for a 17 year old?

I just turned 17 and I am gutted because I have had to hold off on my driving lessons as I have the money for the lessons and the car but the insurance is WAAAAY too expensive. for cars like a ford KA or a smart car the insurance is between 3500 and 5000! is there anyway to lower this? how much would it go down by if i went on a family members insurance etc. please help. what kind of car will have low insurance.

How does a foreigner to the uk get car insurance?

My husband is NOT a uk resident but i am. He is living here in the uk and currently applying to be a uk resident. We are struggling to find car insurance for my husband as main companies like churchills say he has to be a U.K resident. It could take us quite a few years before he becomes a uk resident. Surely business people or visitors to the uk get car insurance or do they all only use car hire? Any advice greatly appreciated.

Where can i get low cost motorcycle insurance ?

i live in ontario canada ,, i want to buy a honda cbr 250 , and would like to find a low cost insurance for my bike , so far i got some way off price quote with a difference of $280.00 ,so i suspect they are over charging ,even at the low end , they say i'm covered for 12 months months but a motorcycle is not meant to ride in cold and snow and salty streets as the salt would ruin the chain and other parts of the motorcycle .""

How will being unemployed affect my car insurance rates?

After being with Wawanesa for 12 years I let my car insurance lapse for 2 months and now have to reapply. I am now unemployed, how will that affect my rates? Do they look at it as driving less since no job to go to or driving more since excess free time now?""

""Will my insurance rate in NY go up, if I get a ticket in NJ? Will pts occur on my ny license?""

I got a tixs for speeding and reckless driving (at the same time). And if my rates go up, is there a way I can get the chrages reduced to careless driving? How would I go about doing that sort of thing? Any info on this will be greatly appreciated. Thanks!""

Looking for an inexpensive sports car?

I'm 16 and on my second car I've had an Mazda RX8 which i didn't care to much for and now have a mustang; I was looking for something with a little power and is preferable a coupe, insurance cost isn't a problem and when i say inexpensive i mean under 35 grand.""

""Where can I find affordable health insurance in the Neosho, MO. area?""

Where can I find affordable health insurance in the Neosho, MO. area?""

Credit scores taking a hit from homeowners insurance checks?

Hubby and I called around checking what rates would be for homeowners insurance, but I got a little ahead of myself, seeing that our closing date isn't until August! I called about 4 places, they all ran our credit and said it will be a light hit on the credit scores... Well how much of a hit will our credit scores take?? The bank wants our credit scores updated since them, since we want that late August closing date.. Anyone know how much of a hit it will be?""

Is buying health insurance across state lines just a strategy to lower quality?

Allowing states to issue insurance across state lines allows the originator to bypass the regulations of the state being sold to. Since the regulations insure quality; and states with the crappiest quality insurance due to lack of regulation can be the most affordable is this not another example of trading gold for candy as offered by the GOP?

Can I wait to pay car insurance?

I recently bought a car, but I'm not legal to drive it alone until February (I bought the car NOW because it was an amazing deal and didn't want to miss an opportunity like this) Can I wait to pay for insurance until I get my license (in February) or is that illegal?""

Looking for affordable health insurance?

My employer does not offer health insurance. Does anyone know of a private health insurance company? I was with Blue-Cross Blue Shield and they kept raising the rates. I don't qualify for any assistance due to low income. Also some coverage for dental.

What is the average car insurance rate for a teenager?

I am currently under my mom's insurance. I don't know what she has, but she said after I get my license I need to give her $1200 up front for my part of the insurance. Is there anything cheaper I can get on my own? JSYK: I am a 17 year old about to get a license in 10 days. I have a 3.8 GPA and got over a 90 on the written portion to get my permit. I live in New Jersey, and I am a female. I currently have about $1,100 saved from working the passed few months but I need some of it for band camp and I am paying for my car. My parents won't put anything forth to help me with the payments.""

How much would i pay for my car insurance?

for a camry 07 se model

What is the renewal process for car insurance?

Do they call in around expiration of the policy. Or is it a form you fill out. What questions do they ask? In particular, say you failed your G test before the expiry of the insurance policy and you redo everything and get a G or G2, will your insurance rate remain the same?""

Maternity insurance for self employed?

Hi, I am from ca and I was wondering if there is any affordable insurance for self employed family. I am not pregnant but planning on it in the next few months. any ideas?""

How much would 21 yr olds pay for car insurance with no credits?

What are the cheapest companies to insure me as a 2nd driver on a 1.2 punto (MALE, 19, UK)?

https://www.linkedin.com/pulse/cost-car-insurance-cleofa-escobedo"

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