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toldnews-blog · 6 years ago

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The Long Run: The El Paso Homecoming That Set Beto O’Rourke’s Star on the Rise

EL PASO — Beto O’Rourke attracted the officers’ attention near the Texas-New Mexico state line, rocketing past them in a speeding Volvo, hustling to nowhere around 3 a.m.

He was so inebriated when the police reached him — after he had collided with a truck and pivoted to a stop across the center median of Interstate 10 — that he nearly collapsed when he tried to step out of the car.

Hours earlier, on Sept. 26, 1998, Mr. O’Rourke had turned 26. He was home again in El Paso, back for good after three searching years of post-college odd jobs in New York City. He had moved into an apartment near his parents, in an 18-unit building his family owned. His mother hired him to help with computers and inventory at her home-furnishings store. His father, a hard-charging former local politician, was dreaming bigger.

And an after-hours mistake, even one this serious, was not going to stand in the way.

“I remember he came home afterward; we were talking about it,” his mother, Melissa O’Rourke, said of the arrest. “It was just very, ‘How could I be so stupid?’”

Mr. O’Rourke’s fortunes would turn quickly. He had some help.

In the years that followed, he transitioned from rootless former musician to celebrated civic-leader-in-a-hurry. Within months, with a loan from his parents and a business plan guided by his father, Pat O’Rourke, he started a successful web design company and an online newsmagazine. Before long, despite having shunned politics for much of his life, he assumed the sheen of a rising star, poised to carry the family name to the ballot as his father had before him.

This critical period of Mr. O’Rourke’s life, spanning his late 20s and early 30s, was neither the first nor the last time an inherited tool kit of family influence and relative financial comforts helped smooth his stumbles and hasten his successes.

His step-grandfather, a former Navy secretary, had steered him to a prestigious Virginia boarding school. His father’s political connections had landed him a Capitol Hill internship. His eventual marriage to the daughter of one of El Paso’s wealthiest men, the developer William D. Sanders, would ease access to a new network of political allies.

Mr. O’Rourke’s tax returns, released this month, lay bare the extent to which he and his wife, Amy, have benefited from their parents’ largess, placing them among the wealthiest families in the Democratic presidential field. In the decade from 2008 through 2017, close to 40 percent of the O’Rourkes’ $3.4 million in income came from shares in partnerships gifted to them by their parents — dividends, interest, capital gains and rental revenue. More than $1 million came from two entities established by Amy O’Rourke’s father.

Friends from Mr. O’Rourke’s youth say this is not the life they imagined for him: ownership stakes, making money from money, a sprint into national politics.

Yet if Mr. O’Rourke’s punk-rock days and New York chapter were in some respects a reaction to his rearing — the son of a businesswoman and a glad-handing politician in search of something different — his El Paso re-entry made clear he was his parents’ child.

Coaxed for years by his achievement-minded father, Mr. O’Rourke grew increasingly self-motivated, former co-workers say. He began shuttling between meetings in blue button-downs and khakis. He took intensive Spanish lessons to reintegrate himself into the bilingual border city, his mother said. He recruited out-of-state talent to El Paso to work with him, promising a role in a “movement” to revitalize what was once a commercial hub of the American Southwest (and neglecting to mention the prevalence of sandstorms).

Mr. O’Rourke seemed to see the city as an extension of himself — a theme now underpinning his bridges-not-walls presidential messaging, with immigration at the national fore. He became a kind of evangelist for a 21st-century El Paso, celebrated in the local press as a returning Northeasterner “saving the city from the brain drain.”

Mr. O’Rourke’s often-charmed trajectory has not been lost on some progressive skeptics, who wonder if a white man of relative privilege is the best fit for this Democratic moment. Mr. O’Rourke’s personality-driven political appeal — “Man, I’m just born to be in it,” he told Vanity Fair as he entered the race — has done little to discourage the trope, which some rivals have been quick to highlight.

“I wasn’t born to run, but I am running,” Senator Amy Klobuchar said on “Meet the Press.”

“I’m the one from the other side of the tracks,” Julián Castro, the former mayor of San Antonio and Obama-era housing secretary, told voters in Nevada, striking back at the impression that he was the lesser Texan seeking the nomination. “I’m the one that didn’t grow up as a front-runner.”

Mr. O’Rourke can be sensitive to the barb that he was raised in affluence, and the reality is indeed more nuanced. While his family held prominence and influence in El Paso, interviews and financial records indicate that the O’Rourkes were well off but hardly superrich.

He mentioned, unprompted, in a recent interview that he had received financial aid in college, and said his parents had taken out personal loans to help pay for his education. “They wouldn’t have done that unless we had to do,” he said. “And we had to do.”

At the same time, Mr. O’Rourke has acknowledged that his rise was made possible, at least in part, by the clear advantages he enjoyed, particularly during this stretch of his life.

Speaking last month in Iowa, he cited his two arrests: the drunken-driving episode — during which he tried to leave the accident scene, according to the police report, though Mr. O’Rourke has denied this — and a previous trespassing incident. He noted that neither had limited his opportunities.

“It’s not because I’m a great person, or I’m a genius, or I’ve figured anything out,” he said. “A lot of that has to do with the fact that I’m a white man, that I had parents who had the cash to post bail at the time. A lot of people don’t have that.”

South Toward Home

Just months before his car veered out of control, Mr. O’Rourke had reached a professional cul-de-sac.

Lingering in New York after graduating in 1995 from Columbia University with a degree in English literature, he worked in various jobs — at his uncle’s web business, as an Upper West Side nanny, in an entry-level publishing position. Nothing stuck.

At home in El Paso, his parents received a call.

“He said, ‘I don’t see my purpose here,’” his mother recalled. “‘I think I’m really ready to go back to where my roots are.’”

His timing was good. There was an opening at his mother’s furniture and gift shop catering to El Paso’s well-to-do.

“It was perfect,” she said. “He showed me how to look things up in the computer.”

Founded in the 1950s by Mr. O’Rourke’s grandmother, the store — together with the surrounding family-owned shopping center and the O’Rourkes’ apartment building — set them firmly among El Paso’s financially comfortable.

Mr. O’Rourke and his two younger sisters had grown up in one of the nicer houses in a neighborhood near the University of Texas at El Paso: a 4,000-square-foot stucco-and-brick with a design inspired by Frank Lloyd Wright, complete with a backyard pool.

There had been domestic help as well. In the yearbook of Woodberry Forest School, the boarding school Mr. O’Rourke attended on the recommendation of his grandmother’s husband, former Navy Secretary Frederick Korth, he thanked faculty members; his family; and Coco, their housekeeper.

Back from New York, Mr. O’Rourke settled not at his boyhood home but at an apartment in the family’s building.

He began connecting with friends, in and outside the city. He had a big idea, a couple actually. His uncle, Brooks Williams, recalled that Mr. O’Rourke, skilled at drawing out even strangers in social settings, had expressed an interest in operating some kind of salon for civic discussion.

“I want to have that burrito store,” Mr. Williams remembers Mr. O’Rourke saying after he returned home. “I want to have that place downtown where politicians come in and talk.”

But it was Mr. O’Rourke’s experience working with Mr. Williams’s technology company in New York that helped set him on his future path.

He began selling friends on the untapped potential of the tech market in El Paso, with a job environment far more accommodating than in a place like New York.

“Because the talent pool was shallow enough at that point, you could really move there and reinvent things,” said Lisa Degliantoni, a friend who moved to Texas to work with Mr. O’Rourke. “You could be the person who revitalized downtown El Paso.”

To Ms. Degliantoni, it sounded, endearingly, like “rose-colored glasses.”

To discerning locals, it sounded familiar.

Life of the Party

A major traffic jam snarled the on-ramp to Interstate 10 one St. Patrick’s Day morning years earlier as Bonnie Lesley, an El Paso educator, headed to work.

First assuming there had been an accident, Ms. Lesley soon came upon the true cause: Pat O’Rourke, a candidate for county office, dressed as a leprechaun and passing out fliers. “I’m having the time of my life,” he told her as she rolled down her window.

Mr. O’Rourke served on the El Paso County commission for four years, then won a four-year term as the county’s chief executive.

“He was mesmerizing,” said Pat Haggerty, a former Texas state representative. “He had facts. He had figures. He could spout them off.”

Publicity stunts were common, and occasionally delivered Mr. O’Rourke a platform beyond El Paso. In 1986, after an influx of indigent Mexicans ran up costs at the county-funded hospital, Mr. O’Rourke sent an invoice for the charges — $7.5 million — to President Ronald Reagan. The story made The New York Times.

There was also a bit of controversy. In 1983, sheriff’s deputies installing a radio in Mr. O’Rourke’s Jeep found a white powdery substance in a condom. A deputy threw the substance away before it could be tested. Mr. O’Rourke insisted he had no idea what the substance was or why it was in his vehicle. But he feared the episode would mar his reputation, and did not run for re-election when his term expired three years later. He never held elected office again.

But he did not exactly slow down. He had always been an exercise fanatic, sometimes showing up at county offices in sweaty bicycling clothes. And he had long harbored grand visions for his son.

“We had just finished reading ‘Peter the Great’ by Robert Massie,” Melissa O’Rourke remembered. “It’s a big book. And I think Beto was 10 years old. And Pat said, ‘Beto, you need to read this book.’ Pat was, I think, always seeing the potential. Not seeing the limits.”

As Beto O’Rourke grew into his teen years, Pat O’Rourke related little to a son who joined a computer hacking group and listened to music he did not understand.

“Pat confided that he was very concerned and frustrated with the direction that Beto had taken,” said Flip Lyle, an El Paso businessman and former bicycling friend.

When his father arranged for him to intern with the Texas congressman Ron Coleman the summer before he started at Columbia, Beto O’Rourke chafed, telling friends he would have preferred to be elsewhere.

“I think Pat expected a lot of him, and probably pushed him some,” Ms. O’Rourke said. “Beto would just accept it and just say, ‘All right, I’m going to do it to keep the peace.’”

Despite his own business setbacks — a manufacturing operation in Mexico fizzled — Pat O’Rourke excelled at strategy. He helped his son map out a business plan for his new company, Ms. O’Rourke said.

Records show that his parents also lent him about $19,000 in start-up money. In the interview, Mr. O’Rourke said his father “had to take out a loan using, I would assume, our family home as collateral,” suggesting that his parents were hardly flush with cash.

“If my parents had 10,000 bucks or 20,000 bucks to give to me to help start that business or to personally loan to me, they would have done that,” he said. “They didn’t.”

Around the same time, Mr. O’Rourke said, he moved back in with his parents so he could stop paying rent on his apartment and “put every cent into the business.”

It would be called Stanton Street Technology, named for the El Paso thoroughfare where the family-owned apartment building was located. Pat O’Rourke beamed.

“The dynamic had shifted,” said Mike Stevens, a close friend and former bandmate of Beto O’Rourke’s. “Pat seemed to me like he was not anxious for Beto. That seemed to be something from the past.”

Stanton Street

In November 1999, the drunken-driving case against Beto O’Rourke was officially dismissed. He had completed a court-sanctioned training program.

The same month, he posted on his company’s website, StantonStreet.com, hinting at a burgeoning interest in local public affairs. “The big issue today is access to capital,” he wrote, “and whether or not banks are making credit available to the qualified small businesses in town who need it.”

The posting was in the “City Talk Reader’s Forum,” a feature of the new company — part website developer, part online newsmagazine covering local affairs and culture.

The web design operation distinguished itself from competitors by catering to higher-end clients: companies, nonprofit organizations and even government-funded entities that recognized the need to establish a presence on the nascent internet.

“We just want to do the Cadillac sites,” Mr. O’Rourke’s partner, Grace Madden, whom he had recruited from New York, told the monthly publication El Paso Scene.

Rivals whispered that the company was cashing in on the O’Rourke family’s local reputation, but Stanton Street silenced naysayers by winning awards for its designs.

Mr. O’Rourke wrote infrequently for StantonStreet.com, tending mainly to the business operations. But his father became a regular contributor, crusading against public corruption and tax increases. Pat O’Rourke also posted diary entries during a cross-country trip on a recumbent bicycle — much as his son would do years later on a road trip while weighing his presidential run.

His familiarity to readers made what happened shortly thereafter, in July 2001, all the more wrenching for the city and Stanton Street: Pat O’Rourke was killed in a bicycle accident at age 58.

When word reached the office, the site had been approaching a major milestone, the planned debut of an alternative-weekly-style print publication. Shortly afterward, Mr. O’Rourke convened his employees. “He had to gather us and make a decision as a group whether we could emotionally handle proceeding without Pat,” Ms. Degliantoni said. “What would Pat want us to do?”

The first issue arrived in January 2002. In it, Beto O’Rourke eulogized his father as the project’s “inspiration.”

At first, Mr. O’Rourke seemed inclined to treat the tragedy as a personal turning point.

“I decided all bets are off. I was going to live life differently from now on, do everything I wanted,” he told an interviewer in 2003. “And then you don’t really at all. Life is still life.”

In the print journalism business, life was this: The publication lasted only a few months before Mr. O’Rourke was forced to pull the plug.

A New Family

His tenure as publisher was short but significant.

The purpose of Stanton Street, on the web and in print, was to “tell the stories of El Paso which I didn’t feel were being told,” Mr. O’Rourke said in the recent interview.

From there, friends draw a straight line to Mr. O’Rourke’s early political education. “One of the issues they covered was politics,” said Steve Ortega, a close friend who served with Mr. O’Rourke on the El Paso City Council. “That kind of sparked his interest.”

So did the new mayor, Ray Caballero, elected in 2001 on a progressive platform, championing urban renewal and public transportation. Mr. O’Rourke forged an alliance with a group of the mayor’s young backers.

Soon, Mr. O’Rourke’s name was being floated for assorted local positions, often by Mr. O’Rourke himself. He expressed interest in an appointed school board position, agreed to serve on a task force promoting a new medical campus, and joined the Rotary Club and the Hispanic Chamber of Commerce.

“I joined every organization that would have me,” Mr. O’Rourke said. “If someone had an open slot, I wanted to be on it.”

Around the time he began considering a run for the Council against a popular incumbent, his personal and professional lives began to intersect — happily, in both cases, for Mr. O’Rourke.

Melissa O’Rourke had gotten a phone call from an old friend, Beth Galvin, an El Paso artist. She wondered if Beto would like to take out her niece, Amy Sanders.

Ms. Galvin remembered Beto as a bashful child. Now, he was part of a small group of young leaders imagining a new economy for a city once known as a low-wage garment center.

William Sanders, Amy’s father and Ms. Galvin’s brother, likewise understood the opportunities El Paso afforded. He had grown up there, left to make a fortune in Chicago and Santa Fe, then returned.

A pioneer in real estate investment, he was about to turn his gaze on downtown El Paso. Mr. Sanders, who said he was working at the mayor’s behest, would announce a controversial project that envisioned bulldozing parts of the city center — including sections of a historic barrio for Mexican immigrants near the Rio Grande — remaking it as an upscale shopping, dining and tourist destination. (Mr. O’Rourke’s support for the plan as a councilman drew the scorn of many barrio residents.)

Several months after Beth Galvin’s call, Mr. Sanders would tell business associates, Mr. O’Rourke phoned him to ask for a meeting.

Mr. Sanders thought Mr. O’Rourke, by then a council candidate, wanted a campaign contribution.

That would come later: Mr. Sanders and his allies would donate thousands of dollars to other O’Rourke campaigns.

This time, though, he was asking for something else.

He wanted to marry Bill Sanders’s daughter.

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savanahdppadillaim10insuran-blog · 5 years ago

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valoansarlingtontx · 5 years ago

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VA Loans in San Diego Texas

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Veteran affairs (va). jump

Market interest rates

San diego convention center. walmart

San diego-based guild mortgage. lenders

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Apply for and manage the VA benefits and services you’ve earned as a Veteran, Servicemember, or family member-like health care, disability, education, and more.

1 review of San Diego VA Loans "Very professional and was pretty much excellent from the point he pulled my credit. Good loan officers are hard to come by. I have used Chris for many loans and he is top notch!"

VA Loans in Wortham Texas Secure a VA Mortgage in Texas. If you’re a veteran of a branch of the US Armed Services and you live in Texas, consider a Texas VA loan to finance your home purchase or refinance. A VA loan is a specialized type of loan available only to veterans and backed by the Department of veteran affairs (va). jump to: Eligibility | Loan Limits

Land Loans. The VLB Veterans Land Loan Program is the only one of its kind in the nation-giving Texas Veterans and Military Members the opportunity to borrow money to purchase land at below-market interest rates while only requiring a minimum 5% down payment.

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Plaza Home Mortgage offers conventional fixed rate, conventional ARM, FHA, and VA loans.. Plaza now offers the Freddie Mac CHOICERenovation SM loan program, Texas Mortgage Roundup. September 5, 2019. Dallas, TX.

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VA Loans in San Isidro Texas A VA loan in Cedar Park, or anywhere for that matter, is a loan that is backed by the Department of Veteran’s Affairs and they were enacted as part of the GI Bill. These loans are offered to retired veterans, active military, honorably discharged, and widowed spouses of military members killed in action.VA Loans in Yorktown Texas VA Loans in Willamar Texas So, if you’re looking for VA loans in Texas, call Low VA Rates today at (866) 569-8272 for a FREE quote. Our experienced, professional staff will help you determine your eligibility, work with you to get your Certificate of Eligibility from the VA, if you need, and find the best loan for you.VA Loans in West University Place Texas VA Loans in Yantis Texas TEXAS VA Loan Refinance Rates – Black Tee is not affiliated with the VA, Veteran’s Affairs, or any other government agency. Black Tee is not responsible for rates and terms displayed by any lender or advertiser on www.vapayment.com. Black Tee, LLC and www.vapayment.com do not offer or originate loans or mortgages.”This provided the backdrop for the healthy volume of commercial and multifamily construction starts that took place during 2018. especially with regard to loans for multifamily projects.” The New.TitleMax Title Loans – Official MapQuest – The Yorktown TitleMax store has been providing residents of the george washington memorial hwy area with title loans since June 2012. We are located on Rt. 17 near Walmart. If you live in or around the greater Yorktown area and are in need of some fast cash, stop by the George Washington Memorial Hwy TitleMax store or call us today at (757) 327.VA Loans in Sinton Texas Texas; Department of Veterans Affairs VA Regional Loan Center 6900 almeda road houston, TX 77030-4200. View site. phoenix: american samoa; arizona; california; Commonwealth of the Northern Mariana Islands; Guam; Hawaii; New Mexico; Nevada; Department of Veterans Affairs VA Regional Loan Center 3333 N. Central Avenue Phoenix, AZ 85012-2402 877-827-3702. View Site. RoanokeVA Loans in White Deer Texas VA Loans in Scottsville Texas was named a 2014 Top Regional Loan Officer by the Texas State Affordable Housing Corporation (TSAHC). TSAHC was created in 1994 as a self-sustaining nonprofit housing organization. TSAHC believes that.VA Loans in Wilson Texas VA Loans. To the brave and true that chose to serve, WE SALUTE YOU. We are proud to offer such a phenomenal product to qualified veterans. If you are seeking to use your home loan guaranty benefit to buy a home OR need to use the VA Interest Rate Reduction Loan to lower your payment, we can help!!A VA home loan offered by the Texas VA loan center offers the most competitive rates and lowest fee. Need a VA loan in Houston area? Work with our VA Loan specialists.

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vintagerealestateaz · 6 years ago

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Real Estate News

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Your home search begins. search

From cnnmoney. real estate calculators for

And real estate advice from realtor.com

Site for real

The Department of Buildings said in a statement that Kushner Companies had 42 violations, including falsifying construction p…

Mortgage News Daily provides up to the minute mortgage and real estate news including mortgage rates, mortgage rss feeds and blog.

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The post Real Estate News appeared first on Vintage Real Estate Arizona.

from For New Sale Homes http://vintagerealestateaz.com/real-estate-news/

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eocmagazine · 6 years ago

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Getting a Deal Escazu Costa Rica real estate Is Amazing

Transform Your Browse For san antonio de belen Costa Rica map

Understanding Regarding Realty Spending Into A Success

Financial experts would certainly agree that the very best way to grow your additional income is with investments. An especially successful selection could be discovered in property investing, if you know ways to go about it. Continue reading for some helpful tips on just how to obtain begun in the area and also grow Costa Rica fire sale

Assume long-term when buying actual estate. While some financiers look for making quick turnovers by getting low-cost and turning within weeks or months, your better wager is a longer view. Look for safe properties where you can park a big sum of cash and also get financial investment return via monthly earnings like rental fee.

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See to it that you choose locations that are widely known as well as in a wonderful area that can gather a whole lot of rate of interest from possible clients. You intend to do this to make sure that you will certainly get one of the most worth for resale functions. Also, look for easily preserved properties.

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Although it could appear a little bit daunting in the beginning, purchasing property does not have to run out reach. It's a purchaser's market right now, as well as enabling time to pass will allow you see excellent earnings. Bear in mind these tips before you begin to spend in realty.

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colorfulsuitdestiny-blog · 6 years ago

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"life insurance quotes with pre existing conditions

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I've been saving up the past 3 years to buy myself a car. I've saved about 18K for a new car, so my price range is from about 18-24K for a car, new or used. Some cars that I'm interested in are: In Order: 1. 2004 BMW 530i 2. 2004 Infiniti G35 3. 2005 Mercedes C230 4. 2004 Acura TL or RSX 5. 2005 BMW 325i My problem isn't whether I can afford the car and the maintenance fees, its the insurance. I would be under my fathers insurance. He's 55, no accidents or tickets, been driving since 16. He would be the primary and I would be the secondary. I go to college, have a 3.8 GPA, work part-time, have been driving since 16, no accidents or tickets, and the car would be parked in a garage. I also wouldn't be driving much, just to and from school (less than 7500 miles a year). How much would basic insurance be? I hate getting online quotes because its time consuming and I hate getting spam emails and phone calls. I'm thinking of buying the car soon, so please help. THANKS!""

How do insurance companies verify the adress you use for your car insurance is your actual adress?

I want to get my car insurance in a different state see how do car insurance companies know that the address and provide is where I live. And if I get caught what is the penalty

How to approach a car insurance company to pay damages to my car?

Okay, I was involved in an accident a month ago. I was at the train station attempting to street park, I saw a car parked in the middle of the side walk and a private house driveway, I looked very carefully and no one was in the car, as I was backing up into the parking space I felt the impact on my passenger side back door, I didn't know what it was until I realized the car on the driveway had backed up into my car. The driver stated that he saw me attempting to park when he was walking to his car but he thought I saw him getting into his car, he said he was in a hurry and was late for work and I should have waited for him to get out first (he had a big ego). I never saw anyone in the car. I am the kind of person that I would have waited and then proceed. Meanwhile I only have liability coverage. My insurance company said that he was at fault- they will not pay for his damages $800. His insurance co. wont pay for mine because they said is 50 - 50 faults, my damages are $1,800 door damages estimated by the other driver claim adjuster. I dont have $1,800 to spend in fixing my car. 2005 Nissan Altima. How can I fight the other party insurance co. to pay for my damages?""

No proof of insurance?

I have legal insurance, but my policy was just renewed so I need my new cards that prove i'm insured. They are in the mail I assume, but they won't get here in time before I have to leave on a trip to NV. I tried to go online and just print the cards, but their site has been down for many days and I can't get on to print my cards. So my question is: If for some reason I get pulled over (not saying I have a reason to get pulled over) and I don't have those cards, since I do have insurance does the fine get dismissed? Also, since I cant technically prove I have insurance do they have to take my plate?""

life insurance quotes with pre existing conditions

What is the best/cheapest car insurance?

I am 19, I've had one ticket for driving too fast for conditions . I'm getting a new car this week, a 2002 4dr honda civic. How much should i expect to pay for insurance? And what is the best company to go through?""

Does my contractors liability insurance cover roofing subs?

How do I find out my car insurance rates before I get a car?

I haven't bought a car yet because a lot depends on how much insurance will be. I'm a 27 single female living in Boston, I've had a license since 18 but never drove so it expired and I recently renewed it. I don't have anything on my record. I would be the only person on the insurance. I went online but they required the make and year of your car to calculate the rates.""

How much will my car insurance cost (please read) !?

im 18 years old,i just got my license, and i drive a 1984 toyota camry 4 door how much do you think the car insurance will cost ?""

Looking to get health insurance for first time.?

Am looking at some individual health insurance am a student I wanted to know is insurance pay as you go or do I have to sign a contract saying Youll be with them for a certain amount of time?

State farm insurance?

recently i got my license and am now added, without charge, to my parents' car insurance. i'm 23 and from texas. my question is, if was to get married, would the company drop me off of the insurance?? i want to know because my parents currenty don't know that i'm planning to get married. i'd really like to know any info pertaining to this...i already called, but couldn't talk to anyone right now, so any knowledge would be great. thanks!!""

Can any one tell me which health insurance is good and affordable?

my mom and dad don't have health insurance, and i would like to get insurance for them so i will be paying out of my pocket can anyone tell me which insurance is best please thank you""

""Is it a fact, that if you buy a red car, you will be paying more on your car insurance?""

My sister told me that when she had a red car, she had to pay more for insurance because of the color. Is this true? if so, that's just retartded.""

How do i get health insurance?

i work at shoprite and i know that we get medical/dental benefits after one year but i just cannot wait that long i need some care like right now ! so how do i get health insurance, where do i go? who do i call ? im lost -__- help me out please! all answers welcomed and appreciated.""

GTP vs Camaro Insurance?

Hey guys, Looking at a 95 Z28 Lt1 Camaro or a 01 Pontiac GTP, Which one would have the cheapest insurance? If you own one what are you paying?""

Cheap Life Insurance?

So I need a life insurance, and I don't know what term, universal, and whole life insurance is. I don't really have a budget, just under 300 dollars per year I guess. By the way I'm 13.""

Will I be able to get health insurance to cover this?

I am about to graduate from college and have not been covered by insurance regularly in many years, for a short time I was on a California county-supported low-income type of insurance program but it automatically runs out every few months if you don't reapply evidently... Anyways, I'm about to graduate and move back to Oregon. I have some kind of hip/tendon injury that I need to go to the doctor for and have checked out...but because I don't have insurance, and this is an old injury already, is there any way I'm going to find health insurance to help me pay for this? Or am I just completely screwed and destined to limp around for the rest of my life??? because there's no forseeable way that I'll be able to afford my own health care any time soon, I'll be paying off my student loans for the next few years. I also doubt that I will be able to find a job that offers health coverage in my field so that's not looking very likely either.""

""Has anyone ever heard of the following insurance companies: Safe Co., Travelers, and Hartford?

Are they good/reputable companies?

Why is it that girls can get cheap insurance?

i passed my test a year now payed a grand for my insurance at first then had to another one as it ran out and had gone down to 400. my bf has been driving for 4 years now and his insurance on his car is 2 grand just for fun he put into see how much it would cost to me to drive his car and came up as a grand lol he was really peed off lol his car is a 1.8 t and mine is a 1l corsa 53 plate and for fun again he went ot see how much i was for him on my car it was a grand lol. how come girls can get it soooooo cheap. so next year am getting my golf gti mk4. am sick of having my slow corsa.

Putting someone on my car insurance policy?

Can i add my brother and his car to my insurance policy? He doesn't have insurance cuz he can't afford the whole big down payment to start his own policy. Can i just add him and his car to mine? I don't drive his car and he doesn't drive mine, so would that work?""

How much will it cost to insure my car?

My cars is a 1987 Vauxhall Astra mk2/Opel Kadett E wagon, with a 1.2 litre engine, developing 80 horsepower. When it gets insured I'll be 17. How much will this cost annually in the UK? Also, the car is left hand drive.""

How much higher is insurance for a camaro z28?

i was wondering what the real world difference is between an early model fourth-gen camaro z28 versus a later model more modest car, such as a 2004 cavalier or 1999 acura CL? i have gotten quotes online but there doesnt seem to be much difference and everyone hypes the insurance for these kinds of cars so much. i am 16 and a guy so insurance is high in general. thanks.""

Which company gives cheapest quotes for car insaurance ?

What would be the cheapest auto insurance for me? i am 19 and drive a 1998 camaro z28?

Im losing all my teeth & I cant get insurance anywhere!!!!?

I am only 22 years old & I noticed all of my back teeth slowly breaking away about 6 months ago. I went to a clinic & found out I have a bad infection, next to no enamel & serious gum disease. They gave me prescription & that's when I found out I had no medical insurance. I never got the meds. because I could not afford them. Since than it has gotten so much worse. I am a single mom of 2 young boys. I pay my own Rent phone electric & everything else with a next to nothing paycheck. So at the end of the month I am left with Nothing. I went to the welfare office & was turned down because I make more than 400$ a month. My job doesn't provide dental but this infection has spread so fast that I don't have 1 tooth that's not infected & the only ones that can even still be saved are the top 4 in the front. I don't even remember what it feels like to eat solid food & I have tried everything to get health insurance..but I have no $ left over @ the end of the mouth. I feel lost. Does any1 know of anything I can do? This is painful in every way.& I think it is crazy that I can not have dental insurance because I have a job. I cant quit my job to save my teeth. My fronts probably have less than a month b4 they start to chip away from the gum line...& I am out of options.""

Seeking an auto insurance company who offers independent spouses insurance?

married, but want to buy separate auto insurance""

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

Are there any classic car insurance companies that insure young drivers under 21?

What car insurance do you use and how much?

I need new car insurance.. what do you use and how much do you spend per month?

How much does car insurance run on a 2007 Toyota Camry?

I just want to know a estimate from anyone else that has this car just to get an idea doesn't have to be exact ! It's a 2007 Toyota Camry (white) SE (special edition)

life insurance quotes with pre existing conditions

Car wreck with no insurance in tennessee?

I was recently involved in a car wreck where I wasn't insured whatsoever. This wreck was considered road rage on both parts. I didn't initiate the road rage. I had a dip spit bottle thrown at my car. It went in and all over me. I followed the other vehicle til he bowed up and stop in front of me where I then rear ended him. He was driving a '99 cadillac escalade and it didn't damaged anything but his bumper. He had insurance thus he didn't get a ticket I don't believe but I did and it says I didn't have insurance the time of the accident and a court date that follows up. My questions are what will exactly happen in court?? I have never been in a wreck. I now have insurance. I'm young. What will the court cost be? How will I pay him? Is there anything that I should know other than to show up?

Fighting my auto insurance company?

I have 2 homes, one in New York and Pennsylvania. My Pennsylvania address is my primary and I commute to NY for work, but my insurance company is raising my premium and quoting for NY which raised my policy considerably. Even though I have proof that my primary is in PA they are still changing my policy to NY. How do I fight it and have them honor my policy?""

Help! im trying to find car insurance!?

help ! i am trying to find car insurance for a bog standard vaxhaull corsa and each time I have done a quote for TPFT the price is no less than 1800. I am 19 and have held a clean license for 1 year. Any suggestions? I am going in an hour to buy a car.

""Going to LA for week, how much does it cost to rent a car?""

I don't want anything too fancy but nothing crap if you know what I mean....just a decent car that will do me for a week. I know insurance will be a killer especially as I am under 25, but my boyfriend is 27 so if we put it in his name will it make it any cheaper? Oh and if anyone knows a good company to rent from, please let me know.....will it be best to go straight to the rental place that's in the airport? Thanks!""

How much does insurance company pay for a totaled car with previously rebuilt title issued?

So I am looking to buy a car with rebuilt title( please dont tell me that I should not buy it, I know all the pros and cons). So lets say I have full coverage insurance and I get in accident and the car is totaled. What kind of money will I get from insurance? Clean trade in value? Clean retail value? Or half of clean trade in? I am just concerned if I should purchase full coverage insurance for it or no. If my monthly premium would cost as much as for clean title car, but I would get only 50% of it in case of an accident, than it does not have sense. Car is Honda Accord with $10000 KBB value and my insurance company is AAA Michigan.""

Were can i get Insurance for the Aprilia rs125 at age 17?

Im 17 looking for insurance for the Aprilia rs125 but ever were i look no company's will insure me i don't know what i doing wrong but they must not like me :P can i getadvicee please thanks :)

Can i put insurance on a old mobile home ?

I have a 84' model mobile home but i paid to have it remodeled so it's very nice on the inside. Well i want to rent it out so i want to put insurance on it in case a fire or etc. happens to it while it's being rented out . But can i put insurance on a mobile home that old ? and can i put as much as i want or does the insurance only cover how much it's worth ?

Does Car Insurance increase after an accident on Learner Insurance.?

Hi, I am a few weeks away from my test, and have been driving with my parents with my mums car. I have insurance on the car for a month with a private website. Today, I had an accident with another learner, where the edge of my car scraped the edge of the learner's car. The damage was only a few scratches, but apparently it's going to cost around 300. My dad is pondering whether to go privately and pay the learner the money, or go through the insurance I have. His main concern is that if I go through insurance, then when I pass, my insurance price will be a lot higher than without. If I pass and get insurance, will this accident be notified by the companies, who may increase the price of my insurance? Thanks""

Why does my auto insurance keep going up?

My auto insurance premium seems to keep increasing. I drive a 2001 Nissan Altima and I'm paying over $250 a month. I have no accidents or speeding tickets on my record. My friend has a 2007 Pontiac G5 and he is paying $170. We use the same insurance company. This makes no sense to me. What seems to be happening?

How to get cheap insurance on a nissan 350z for a 17 year old?

How Much Will My Car Insurance Payment Increase After An Accident?

I got into my first car accident today that was my fault I am 17 years old and I have full coverage on Geico insurance I was wondering on around how much will my payment increase after the accident? There was no damage on my car but the other persons car had a large dent on the right side of his front bumper.

State Farm Renters Insurance: Explain Replacement Cost Coverage to me?

From what I understand, if a claim had to be filed, I would receive the current value of an item. For instance, I have a pair of $500 shoes. They are currently priced at $450, so the pay-out would be $450 and $500, correct?. Okay, so here are my two questions: 1) Would I be bound to REPLACE the lost item? Or would they give you the current cash value to buy whatever it is that you wanted to buy? 2) Are there no such policies that exists out there: a policy that would pay you what you INITIALLY paid for an item? So that one wouldn't lost out financially in the event that an item depreciates? If I'm wrong about any of the above, or if you think I need to be sure to clarify certain things with my agent, please let me know. Thanks.""

Good car insurance price for teens?

Im 16 and I just got my license. My dad told me the insurance agent said its going to cost $130. I dont think that is including drivers education discount and good grades discount. How much discount a month you think Ill get and is that a good price? (Im getting a Nissan Xterra)

What happens if someone without insurance rear-ends me?

Here's a scenario. If I have a motorcycle with no insurance. Someone hits me at the red light and they don't have insurance. And it cost $25000 in damages. Considering they don't have insurance, it means they are poor. How can I get my money?""

18 year old new driver? Best/cheapest insurance companies?(uk)?

How much is seasonique with blue shield california insurance?

please tell me. i'm on yaz now but four periods a year would be heaven. thanks.

Car insurance (Nissan)?

am 17 and getting a 2004 Nissan Altima Soon? About how much will the insurance be? oh and its my [first] car.

Where i can get car best insurance information ?

give me a website of car insurance information .

4 years after DUI... insurance?

so when i was 21 i got a dui (it's called an oui here in Maine, but same thing). PLEASE DONT JUDGE ME I KNOW I WAS YOUNG AND STUPID. anyway, i ended up selling my car to pay for the whole mess since my license was getting suspended anyway. since then i have been a happy bicycle commuter! now the time has come for me to become an adult woman again and get my license back because i have enrolled in a college that is not in biking distance. I have signed up, paid for, and in 2 weeks will be taking the DEEP class required by the state of Maine in order to be licensed again. basically i am curious about my insurance premiums. i haven't had my license for almost 4 years, but i have read online that your insurance will have to be sr22 and all expensive and whatnot for THREE years. also, i have since turned 25 and will be 26 soon, so i expect a rate decrease from that. i guess my question is: have i managed to bypass the higher insurance rates because it has been 4 years? if so, it almost seems too good to be true. i am highly suspicious. can anyone give me some insight as to what to expect when purchasing my insurance? thanks chums""

Insurance for a first Motorcycle?

When I turn 17, I'm thinking of buying a Kawasaki KDX125. What would the insurance costs be like for a 17 year old? (In the UK) and can you recommend a similar bike?""

""Is it possible to get insulin for a type 1 diabetic with no insurance, medicare or medicaid?""

My fiance has type 1 diabetes. He gets food stamps, but doesn't qualify for SSI for some reason. He's only 26. I am the only one working, getting minimum wage, and little hours. We can't afford to pay a doctor $100 just for them to tell him he has what he knows what he has, and to get a prescription that cost twice that. It just seems like a vicious cycle we cant get out of.""

How much does it cost to start an insurance office in california?

I'm looking into starting a new insurance office within the next couple of years. As of now, I'm getting the basic, but I need to know what I need to prepare myself for? Can somebody help me?""

How do you know the address of health insurance company??!?

On the insurance sheet for Band.. it asks Insurance company name: health Choice, then Address: and Phone: how do I know what it is?? There're different contact D:""

Insurance Question for owners of the 2007 pontiac g5?

Im a 22 yr old male, never had a car before, just got my license; and im about to purchase me a new pontiac g5. Im wondering how much i can expect to pay for insurance every month?Plz help!""

Car insurance so expensive in the uk?

i am 19, i have a K reg 1.6 litre fiat tipo the car is only worth about 120. i have never had any accidents or had any tickets so why does my insurance cost 2600.""

life insurance quotes with pre existing conditions

How do I know which insurance is primary?

I'm a full time student and I'm nineteen. I have insurance through my mother, empire blue cross blue shield. But I also work part-time at a hospital and receive local 1199 health insurance from them. Which one is primary?""

How do i get health insurance...??

I want health insurance ASAP but i dont know who to contact or what would be the best company or plan....can anyone give me some advice???

What is the cheapest auto insurance carrier in north carolina?

Car insurance question?

What is the normal price range for monthly payments on car insurance? I'm 23, female, with no prior accidents.""

What kind of insurance do you have to have on a car that your still paying on ?

will the car company let you get cheap insurance?

Insurance to expensive.?

I live in Miami and i just got my license. I was excited to finally drive. But i found out that monthly the insurance would be 330 extra added to my parents policy. I rather not drive! What are my options?

How much would my car insurance be in new york?

i'm 27, this is my first buying a car, thinking buying a honda accord ex 2003 2 doors. but i'm a little concern about the cost of my car insurance for this particular one? please serious answers""

How much is car insurance for an rx8 in nyc?

I work for EMS n im gonna pay around 16 cash for a 05 rx8 with 30 k miles on it. how much would car insurance b a month ?

How do I get insurance for my new car?

Ok so I've been in the market for a new car and I've pretty much decided on a Honda Civic. I'm trading in the car that I currently have insurance for. Obviously you have to have insurance to drive off of the lot in your new car..So do I have to get all new insurance for my new car? How do I do that when I don't even have the vin or anything? Or does my current insurance count? Please help! Thanks

A Question About My Health Insurance?

If I have health insurance, for example, health net..and I got married..would I still be covered even though I have a different last name or will my health insurance drop me?""

How do you have a baby without insurance?

alright so im not pregnant yet but my question is how do you get insurance and such when i finally get pregnant

Im 19 how much does the average 19 year old pay for car insurance?

I live in new york city

If im a second driver on my dads car when i get older will my insurance get cheaper?

Hi if im a second driver on my dads car when i get older will my insurance get cheaper or not because im the second driver my dad has a vauxhall astra 1.6 its 11 years old and how much do you think the insurance will be im 17 year old boy

Which stae has the cheapest car insurance.? I know Jersey has the highest.?

""As an estimation, how much would an 18 year old have to pay for insurance on a Mercedes Benz?""

I am 18 years old, and I have a beautiful opportunity to buy a Mercedez Benz for incredibly cheap. Problem is, I cannot buy the car until I know whether the insurance would be affordable or not. I did get a DUI when I was 17 years old, but it was reduced down to a Reckless Driving charge, considering it was my first offense, and a minor one at that. I do not have anything else on my record, including my driving record. The car is a 2002 Mercedez Benz ML320 that just barely hit the mark for 114,000 miles the other day. I have tried looking for insurance quotes but they all ask how many miles I put on it annually and how many days I drive it to work and all that junk. I cant answer these questions because the car is not yet mine. So I turned to this website for help! Somebody please help me with just a simple but relevant estimate as to how much money I would have to pay for insurance on this car. I do not wish to have the car under double-coverage. Just the cheapest form of insurance that would still cover my car if I were to get in an accident. Please and thank you! :D""

Insurance companies taking advantage?

is there a chance that insurance companies are taking advantage of obama-care and increasing costs more than they really needed? looks like a % of insured are getting hit but what is the % of uninsured or insurance denials that are now covered? any good stories?

How to go about getting insurance for my husband?

He's 23 years old. Unemployed. HE needs insurance now, and can't be added to my insurance. For one, we'd have to wait until open enrollment in dec. and two, to be honest, it's too expensive to add him. im talking $300 each check. that's insane. I'm browsing the internet, but i am just so lost on where to look. I've heard of Medicaid, but don't know if he'd qualify, or can't find a website. Please. HELP!!!!!""

What are some cheap Auto Insurance Quotes for Oregon?

I am looking for a cheap and reliable auto insurance company for just liability insurance. I have had one accident back in 2009, totaling my dads toyota 4-Runner and wrecking into an Audi A4. As well, I have 2 tickets on my record, both happened in 2008, the first one I got was running a stop sign and the second one (which happened literally the next day.. by the same cop) I got an illegal lane change or turning into a turning lane to early I cant remember which one it would fall under. Some of the quotes I got have been like 350 $$ which is way out of my price range. Anybody have any good ideas? I'd appreciate it.""

Free Geico car insurance?

I've always been told by a little green lizard that 15 minutes on the phone can save you 15% or more on car insurance... what about 100 minutes on the phone?

""How do I get the best deal on a rental car, and what about insurance?""

I am going to Orlando for 4 days/3nights, and want to rent a car while I am there, but I want to get the best price I can. What is the best way to do that...tips/suggestions? I'm also a bit confused about the whole insurance issue, since this is my first time renting a car. I really don't want to have to pay double just to get insurance if I don't actually need it. Please explain. Thanks!""

How long does it take for car insurances to determine fault?

I got into an accident a few days ago. It's pretty cut and dry that it was the other persons fault, however the police don't determine fault and leave it up to the insurance companies to figure out. Those who have been in a similair situation, how long from the time of the accident did it take for your insurance company to find fault in the accident. I'm curious because I'm having to pay a $1000 deductible and car rental fees. I want to make sure I get it back if its the other persons fault.""

What would actually be the CHEAPEST car insurance for a 2011 challenger srt8?

I need to find out what car insurance company located near Covington, Louisiana sells the CHEAPEST full coverage car insurance that would be paid in full every 6 months for a fully loaded Dodge Challenger SRT8 with an automatic 5 speed transmission with the fuel saver technology feature? Any suggestions?""

DMV paying ticket/showing proof of insurance?

I'm In California I received a traffic ticket and did not have my proof of insurance with me. I received my courtesy notice and my amount owed Would be 1000 without my insurance proof. It will obviously be reduced significantly if I show my proof of insurance. I know that you can pay traffic tickets at the DMV. And I want to pay the ticket In payments. So here comes my question- can I go to the DMV and show THEM (the Court Clerk stationed there) my correction (proof of insurance) instead of having to go all the way to the court house? And can I ask for a payment plan there as well? Or can I ONLY show my Correction(Proof of Insurance) and ask for a payment plan at the court house? My first ticket :| And the court house is pretty far from where I live. DMV is right around the corner. That's why I ask :P Thanks

Auto Insurance quote...please help!?!?!?

My sisters insurance..we live in CA by the way..has 2 cars insured. Her total premium for 6 months is 541 but we pay 114 a month. How did they get that monthly payment? If she was to add me to her policy the premium would go up 2 $740. My question is how much would the monthly payment turn out to be????

Where can I get a cheap-ish car insurance quote online?

life insurance quotes with pre existing conditions

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carautotitleloans · 7 years ago

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New Post has been published on Car & Auto Title Loans

New Post has been published on http://getautotitleloans.com/auto-car-online-title-loans-jolon-ca/

Auto Car Online Title Loans Jolon CA

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About Jolon, California.

Jolon is an unincorporated community in Monterey County, California, United States.It is located 17 miles (27 km) south of King City, at an elevation of 971 feet (296 m). Jolon is located in the San Antonio River valley, west of Salinas Valley. It is in a rural area, approximately six miles from Mission San Antonio de Padua, and is part of Fort Hunter Liggett.The first European land exploration of Alta California, the Spanish Portolà expedition, camped on the San Antonio River near today’s Jolon on September 24, 1769, having crossed the Santa Lucia Range from the coast. The party continued north through Jolon Valley.

Auto Title Loans: FAQ (Frequently Asked Questions)

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texastitleloan · 7 years ago

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About San Antonio, TX

San Antonio is a great city in the state of Texas. The city boasts rich, diverse entertainment, culture and history. Popular for its home basketball team, San Antonio Spurs, the city is the place to be, and currently the population has increased immensely. An increase in the number of people in the area has increased the cost of living. Settlers from the Canary Islands began settling in the region, and since then it has grown rapidly. The city is the commercial hub of the southwest and with the arrival of railroad migrants from South America and Mexico settled in the region in the 20th century. Many people use advantages payday loans in San Antonio, Texas.

Accessing Credit Facilities

According to the financial report, more than 20% of people in San Antonio live below poverty line. One in every five people cannot access credit facilities because of low credit scores. The likelihood of poor credit score or no credit score at all has reduced the chances of people of accessing credit facilities. When an emergency arises, people below the poverty line find themselves in a difficult position, and they cannot access credit facilities because of their low credit scores. However, you can go for online lending firms where your credit score does not affect you at all.

Title loans

For people with poor credit scores, you can access credit facilities from lending institutions using your car title. Your lender will keep the title until you clear your payments. It is important that you go to a lending company that offers competitive annual percentage rate. This will allow you to repay the loan with ease. You should understand the terms and conditions of the loan before you sign any document. Loan rollover is a difficult situation because you will incur extra charges in late repayment fees and other extra charges. Title loans are easy ways to get cash, and it is not meant to solve your long-term financial problems.

Personal installment loans

If you need a loan in San Antonio, why not look for a reputable company that will give you a loan at competitive rates. We have a network of lenders who will finance your loan request. The customer support team will guide you through the application process. The loan request process is simple, and once you have applied, you will be given feedback as soon as your lender has evaluated your request. The interest rates should be competitive to allow you to repay the loan within a stipulated period.

It is recommended that you look for a loan with a fixed interest rate, this way you will not have variation in payments. We believe in transparency, and you will get all the information before you take out the loan. You should only take out the loan as a quick financial solution and not a long-term financial solution. The main issue about the loans is that you should choose companies that have a reputation for offering quality service.

San Antonio is a colorful blend of Texan and Mexican culture, and it is a place where the most traveled routes to Mexico. 60% of the population is Hispanics, mainly of Mexican descendants, and it is a place where it embraces cultural diversity. You can apply for the loans, and it will take a very short time for it to be processed. Once you filled out the form, your lender will evaluate it and give you feedback. The main reason why you should consider the firm is that you get a decision very quickly and you can request it anywhere as long as you have an internet enabled device.

The safety and security of borrower information do not get to the third party. There will be customer support staff who will help you if you need any help.

Homepage – TexasTitleLoan

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lphillipsteam-blog · 7 years ago

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REAL ESTATE NEWS

2018 National Real Estate Predictions

The Tax Reform – More to be Revealed:

Tax reform and the bold move to remove tax benefits from homeowners and homebuyers will have an impact on our housing market nationally. However, unlike the stock market, where news creates a fairly immediate and volatile response, determining how these changes will actually translate into market leaders like Los Angeles, New York City, and San Francisco, as well as the ripple out effect to smaller markets, will take some time to impact human behavior – most likely the first three quarters.

With regard to real estate, the tax bill is a mixed bag, disproportionately favoring the commercial sector over residential, for which there are few incentives. Essentially, it will eliminate or reduce the tax breaks that encourage home ownership. While this will probably have a minor effect on home prices nationally, it could potentially have a big impact on urban markets that have more expensive homes and high property taxes.

The following three key points outline the bearing on the real estate industry:

The State and Local Tax (SALT) Deduction for property taxes will be limited to $10k.

Currently, phased out at $1.1M, the Home Mortgage Interest Deduction is reduced to $750k. (Keep in mind, the national average home price was $259k in 2017.)

Gain on Sale of Principal Home – Prior to the new bill, the gain was excluded for the first $500k for taxpayers that are married filing jointly and $250k for single filers. This will be unchanged; however, the threshold of ownership time has been modified to 5 years from the previous 2 years.

Ultimately, the thought is that fewer middle-class people will be itemizing deductions because they are increasing the standard deduction and removing some of the other itemized deductions. Meaning, most middle-class people who bought homes thinking that they would get to deduct items like state and local taxes, property taxes, and mortgage interest may not get to take advantage of those benefits anymore. Therefore, the tax reform bill will make it more difficult for people in commuter areas, like NYC, to sell homes and lead to more homeowners challenging their real-estate tax assessments, which may lead to the weakening of local governments’ biggest source of revenue, according to S&P Global ratings. As a result, the bill could give some buyers additional leverage in negotiating and create an elongated sales cycle.

By adjusting the tax environment surrounding major financial assets, real estate being by far the largest, there is bound to be a shift in demand for those assets and a reduction in value. As income available to service debt falls and the after-tax costs of owning a home rise, property values will adjust accordingly. However, I do not feel this is doomsday!

But more to be revealed…

Increased Interest Rates will be a Game Changer:

The recent increase of 25 basis points in the federal fund’s rate – the third increase since January 2017 – may have consequences for some consumers with respect to their mortgage, student loans, car loans, and credit cards, if they carry a balance. I anticipate it being a motivating factor for buyers early in the first quarter, more so than last year, especially since 95% of first-time homebuyers are dependent on financing. Expect them to act quickly and lock-in reasonable long-term loans enabling them to spend a little more to make long-term buys thereby boosting the housing market. Although, don’t expect prices to go down to offset the increase in interest rates. My advice is to buy more today rather than less tomorrow.

Additionally, rents are up in 92 of the 100 largest cities in the U.S., making it less expensive to own a home in 40 states than rent. Meaning, monthly mortgage payments are less than monthly rents even with the recent interest rate increase. I encourage folks to consult with their financial advisor or accountant and consider buying so that their hard-earned dollars can go towards building equity in an asset they own. It is still possible to achieve the American dream of owning a home.

Lastly, the average 30-year fixed-rate mortgage is now about 4.08%, and while that is still rather low, interest rates are expected to increase annually over the next several years and may be around 5% by the end of 2018 due to stronger economic growth, inflationary pressure, and monetary policy normalization. Moreover, with rising interest rates, adjustable-rate mortgages will certainly be heading higher, and those with an ARM will most likely get another increase too. There is no sense in holding on to an adjustable rate; I strongly urge people to consider refinancing for a longer fixed-rate.

Millennials and Baby Boomers will Dominate Again:

These two dominant demographics will power demand for the next decade. Both generations are experiencing life changes that traditionally motivate people to buy or sell a home. These life-defining changes include marriage, having children, retiring, and becoming empty-nesters. As such, the Baby-Boomers will continue to help boost the market with double transactions as both buyers and sellers. Although this trend started in 2017, it has yet to realize its full potential. People 55 and over own 53% of the U.S. owner-occupied houses, inventory that hasn’t been available to the market for years. As homeowners, many Baby-Boomers are looking to sell and downsize to a smaller home, lowering their cost of living to maximize ease of retirement. Being less dependent on financing gives them the advantage to be more successful with closings. My advice to them is liquidated now, but for those with high-end luxury homes, have realistic expectations. Deals at higher price points can take up to 9 mos. or longer to get done, depending on the geographic location.

Millennials, on the other hand, the largest generation in U.S. history, are more likely to finance and thereby might be more susceptible to increased interest rates. However, they are coming into their own and seeing their incomes increase, enabling them to have more savings and more buying power through larger mortgages. That is due to the strong economy and their career development. Millennials are settling down and starting families, and they are motivated to buy. Therefore, they could make up 43% of homebuyers taking out a mortgage by the end of 2018, up from an estimated 40% in 2017. The New York City area has had a healthy participation from Millennial homebuyers seeing an increase from 19% in 2015 to 24% in 2017.

Nationally, Home-buying will see a Surge in the South and Midwest:

Due to escalating rents, which show no signs of slowing down, and inflated home prices in the coastal cities, Millennials, in particular, are drawn to the South and Midwestern markets because they have a lower cost of living coupled with tremendous job growth, especially from corporations that have been relocating to these areas. Dallas, for example, has seen a significant increase in Millennial homebuyers from 21% in 2015 to 31% in 2017. With regard to homes sales growth, I would bet on Southern cities to beat the national average in 2018. Those markets could see 6% growth or more, compared with approximately 3.9% nationally. Likewise, there is solid affordability in 15 of the 19 largest Midwestern markets. I predict that strong local economies, strong household growth, and population growth of Millennials will fuel the appeal of hot markets, so keep your eye on these cities: Columbus, Cincinnati, Austin, San Antonio, Dallas, Nashville, Raleigh, Charlotte, Las Vegas, Little Rock, Grand Rapids, and Colorado Springs.

The Luxury Market is NOT in Decline; it Continues to Re-set:

The ultra-luxury market, especially in urban environments that had a massive construction boom, has been experiencing highly accelerated and unsustainable growth for the past 7 years that lead to inflated asking prices and declining absorption rates. As a result, New York City in particular – a national leader in the housing market – is still experiencing a very efficient re-setting of the high-end luxury sector that began in 2016 resulting in values down 25-40% to more realistic prices, establishing a growth pattern that is more in line historically. Sellers, particular developers, have had to offer severe price cuts and negotiate deals well below their original purchase prices. Moving forward, high-end buyers may still have a bit more room to negotiate early on in 2018 but I expect the price drops to level off during the year. Additionally, this phenomenon has had a trickle-down effect on the average price of a Manhattan apartment. It may dip slightly in 2018 to $2.1M from $2.2M (including new development), but existing home sales will remain more or less the same compared to the approximate 3.9% increase nationally, reflecting the softer luxury market in Manhattan.

Foreign Buyers Expand their Borders Beyond Coastal Cities:

Thankfully, the dollar remains strong. However, while international buyers still look to New York City, Los Angeles, Miami, and San Francisco real estate as a safe haven for their money, escalating price per square foot numbers – an average of $2,100 in Manhattan closings for new development condos in 2017 – and the re-setting of high-end luxury markets, are pushing them to look in other metropolitan areas nationwide. Cities like Nashville, Charlotte, Columbus, Chicago, Dallas, Las Vegas and Austin, are rapidly grabbing foreign buyers because prices are lower and they can get a better return on investment. Their primary interests are long-term growth opportunities, a luxury lifestyle, and security. Moving forward, prime coastal locations will always have an appeal but the trend of international buyers expanding their searches and taking a serious look at new locations will continue to accelerate in 2018.

Consumer Confidence will Boost Home Sales:

GDP increased at an annual rate of 3.3% in the third quarter of 2017, up from 3.1% in the second quarter, fueling consumer confidence. The unemployment rate is at 4.1%, well below the natural rate of unemployment, and wages are slightly higher. Some economists claim the American labor market is stronger than it has been in decades. Furthermore, the record-breaking rise and powerful performance of the stock market post-election has fueled confidence and given people the assurance they need to loosen their purse strings. Young Americans in particular, are increasingly feeling more confident to buy homes. I recommend acting now because the national median home price could increase as much as 5.5% in 2018 (according to NAR) because of the inventory shortage, and the higher mortgage rates will eat into some buyers’ budgets.

Lack of Inventory Spurs Fast-Moving Markets. Buyers should be Prepared:

Year-over-year housing inventory has dropped 10%, and home building has not kept pace with the increase in demand for starter homes and remains below historic norms. And, demand will only continue to grow as buyers become anxious to purchase homes before interest rates climb higher. Supply may increase somewhat in 2018 but we still won’t build enough new homes to meet the demand, which may contribute to higher prices. However, this pent-up demand could motivate more property owners to sell, especially Baby-Boomers, easing some of the inventory crunches. Regardless, in a competitive market, buyers need to have a realistic approach to the process and be prepared to act quickly when they find Home Sweet Home. I encourage them to build their team early on and not lose out on a property because of some unnecessary mistakes that occurred simply because they were not organized. A team should include a real estate broker, a real estate specialized attorney, mortgage lender, appraiser, and inspector (if necessary).

For more visit: The Fourhundred Magazine

#news #realestate #realestatenews #realestatenyc #nyc #newyork #national #nationalnews #nationalrealestate #predictions #realestate2018 #brooker #halstead #realestateagent #property #listing

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halsteadproperty · 7 years ago

Photo

New York City Power Broker Louise Phillips Forbes of Halstead Property Makes 2018 National Real Estate Predictions

The Tax Reform – More to be Revealed:

The following three key points outline the bearing on the real estate industry:

1. The State and Local Tax (SALT) Deduction for property taxes will be limited to $10k. 2. Currently, phased out at $1.1M, the Home Mortgage Interest Deduction is reduced to $750k. (Keep in mind, the national average home price was $259k in 2017.) 3. Gain on Sale of Principal Home – Prior to the new bill, the gain was excluded for the first $500k for taxpayers that are married filing jointly and $250k for single filers. This will be unchanged; however, the threshold of ownership time has been modified to 5 years from the previous 2 years.

But more to be revealed…

Increased Interest Rates will be a Game Changer: The recent increase of 25 basis points in the federal fund’s rate – the third increase since January 2017 – may have consequences for some consumers with respect to their mortgage, student loans, car loans, and credit cards, if they carry a balance. I anticipate it being a motivating factor for buyers early in the first quarter, more so than last year, especially since 95% of first-time homebuyers are dependent on financing. Expect them to act quickly and lock-in reasonable long-term loans enabling them to spend a little more to make long-term buys thereby boosting the housing market. Although, don’t expect prices to go down to offset the increase in interest rates. My advice is to buy more today rather than less tomorrow.

Millennials and Baby Boomers will Dominate Again: These two dominant demographics will power demand for the next decade. Both generations are experiencing life changes that traditionally motivate people to buy or sell a home. These life-defining changes include marriage, having children, retiring, and becoming empty-nesters. As such, the Baby-Boomers will continue to help boost the market with double transactions as both buyers and sellers. Although this trend started in 2017, it has yet to realize its full potential. People 55 and over own 53% of the U.S. owner-occupied houses, inventory that hasn’t been available to the market for years. As homeowners, many Baby-Boomers are looking to sell and downsize to a smaller home, lowering their cost of living to maximize ease of retirement. Being less dependent on financing gives them the advantage to be more successful with closings. My advice to them is liquidated now, but for those with high-end luxury homes, have realistic expectations. Deals at higher price points can take up to 9 mos. or longer to get done, depending on the geographic location.

Nationally, Home-buying will see a Surge in the South and Midwest: Due to escalating rents, which show no signs of slowing down, and inflated home prices in the coastal cities, Millennials, in particular, are drawn to the South and Midwestern markets because they have a lower cost of living coupled with tremendous job growth, especially from corporations that have been relocating to these areas. Dallas, for example, has seen a significant increase in Millennial homebuyers from 21% in 2015 to 31% in 2017. With regard to homes sales growth, I would bet on Southern cities to beat the national average in 2018. Those markets could see 6% growth or more, compared with approximately 3.9% nationally. Likewise, there is solid affordability in 15 of the 19 largest Midwestern markets. I predict that strong local economies, strong household growth, and population growth of Millennials will fuel the appeal of hot markets, so keep your eye on these cities: Columbus, Cincinnati, Austin, San Antonio, Dallas, Nashville, Raleigh, Charlotte, Las Vegas, Little Rock, Grand Rapids, and Colorado Springs.

The Luxury Market is NOT in Decline; it Continues to Re-set: The ultra-luxury market, especially in urban environments that had a massive construction boom, has been experiencing highly accelerated and unsustainable growth for the past 7 years that lead to inflated asking prices and declining absorption rates. As a result, New York City in particular – a national leader in the housing market – is still experiencing a very efficient re-setting of the high-end luxury sector that began in 2016 resulting in values down 25-40% to more realistic prices, establishing a growth pattern that is more in line historically. Sellers, particular developers, have had to offer severe price cuts and negotiate deals well below their original purchase prices. Moving forward, high-end buyers may still have a bit more room to negotiate early on in 2018 but I expect the price drops to level off during the year. Additionally, this phenomenon has had a trickle-down effect on the average price of a Manhattan apartment. It may dip slightly in 2018 to $2.1M from $2.2M (including new development), but existing home sales will remain more or less the same compared to the approximate 3.9% increase nationally, reflecting the softer luxury market in Manhattan.

Foreign Buyers Expand their Borders Beyond Coastal Cities: Thankfully, the dollar remains strong. However, while international buyers still look to New York City, Los Angeles, Miami, and San Francisco real estate as a safe haven for their money, escalating price per square foot numbers – an average of $2,100 in Manhattan closings for new development condos in 2017 – and the re-setting of high-end luxury markets, are pushing them to look in other metropolitan areas nationwide. Cities like Nashville, Charlotte, Columbus, Chicago, Dallas, Las Vegas and Austin, are rapidly grabbing foreign buyers because prices are lower and they can get a better return on investment. Their primary interests are long-term growth opportunities, a luxury lifestyle, and security. Moving forward, prime coastal locations will always have an appeal but the trend of international buyers expanding their searches and taking a serious look at new locations will continue to accelerate in 2018.

Consumer Confidence will Boost Home Sales: GDP increased at an annual rate of 3.3% in the third quarter of 2017, up from 3.1% in the second quarter, fueling consumer confidence. The unemployment rate is at 4.1%, well below the natural rate of unemployment, and wages are slightly higher. Some economists claim the American labor market is stronger than it has been in decades. Furthermore, the record-breaking rise and powerful performance of the stock market post-election has fueled confidence and given people the assurance they need to loosen their purse strings. Young Americans in particular, are increasingly feeling more confident to buy homes. I recommend acting now because the national median home price could increase as much as 5.5% in 2018 (according to NAR) because of the inventory shortage, and the higher mortgage rates will eat into some buyers’ budgets.

Lack of Inventory Spurs Fast-Moving Markets. Buyers should be Prepared: Year-over-year housing inventory has dropped 10%, and home building has not kept pace with the increase in demand for starter homes and remains below historic norms. And, demand will only continue to grow as buyers become anxious to purchase homes before interest rates climb higher. Supply may increase somewhat in 2018 but we still won’t build enough new homes to meet the demand, which may contribute to higher prices. However, this pent-up demand could motivate more property owners to sell, especially Baby-Boomers, easing some of the inventory crunches. Regardless, in a competitive market, buyers need to have a realistic approach to the process and be prepared to act quickly when they find Home Sweet Home. I encourage them to build their team early on and not lose out on a property because of some unnecessary mistakes that occurred simply because they were not organized. A team should include a real estate broker, a real estate specialized attorney, mortgage lender, appraiser, and inspector (if necessary).

About Louise Phillips Forbes: With career sales exceeding $3 billion, Louise Phillips Forbes is an industry leader in the New York City real estate market. One of Manhattan’s elite Power Brokers, she is a multi-time winner of Halstead Property’s esteemed Broker of the Year award and currently leads the firm’s #1 team. She has achieved a significant following among homebuyers and sellers, skillfully negotiating deals of all ranges. Moreover, Louise is a visionary sought-out by developers throughout her career as both an advisor and an on-site director of sales and marketing. She has partnered with some of New York’s most accomplished developers on more than 30 projects to date and assembled renowned design teams to change the landscape of the city while maintaining the integrity of cherished landmark buildings. Recognized as a highly dependable advocate for her clients, she considers herself more of an “educator” than a salesperson. Louise is quoted frequently in real estate articles for many notable publications and blogs and is consistently named in the Real Trends/Wall Street Journal’s “Real Estate Top 250” list of best brokers and teams nationwide. She also appears on national and regional TV shows across the country to comment on local, domestic, and international real estate issues. Louise is a guest lecturer for the Real Estate Board of New York (REBNY) and has been a panelist for the Asian American Real Estate Association’s East Meets West Luxury Real Estate conference, Real Estate Top 100 Mastermind Summit, and the annual Inman News Conference in New York. Likewise, she is a regular contributor to Halstead Real Estate’s Empowerment Programs and Vince Rocco’s “Good Morning New York”, America’s No. 1 online real estate radio show.

(Source: The Four Hundred Magazine)

#Louise Phillips Forbes #real estate #new york city #2018 National Real Estate Predictions #Four Hundred Media Group #Halstead #Halstead Real Estate #Real Estate Market #New York City Real Estate #Luxury Real Estate #Four Hundred Magazine

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