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chrayneponz · 2 years ago

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7 Reasons You May Need Life Insurance, Even If You Think You Don't

If anyone relies on your income or you have debt, you need life insurance.

1. You're going to have a baby or already have children

2. You're planning to get married

3. You support aging parents financially

4. You have private student loan debt

5. You work for yourself or have a family-owned business

6. Your job is high-risk

7. You have extreme hobbies

Most people don't consider life insurance until later, but the best time to buy it is early on — even in your 20s.

If you financially support a partner, children, or aging parents, you need life insurance.

Anyone working a high-risk job or with extreme hobbies is likely to pay more for coverage, but those risks alone are reason enough to get life insurance.

Most people aren't thinking about life insurance in their 20s, but it's the best time to buy it because most people's health declines with age. The longer you wait to buy a policy, the greater the eventual cost.

An average 20-something or 30-something nonsmoker can expect to pay between $10 and $50 a month for a term life policy depending on the coverage amount. That's less than the cost of a gym membership to protect your family's financial stability in your absence.

Your life insurance needs change as you age, and you'll need to consider children, marriage, divorce, retirement, and caring for aging parents.

If you don't have life insurance, there are seven reasons you probably need it.

1. You're going to have a baby or already have children

"If you don't make it home and someone relies on your income to live, you need life insurance," Mark Williams, CEO of Brokers International, told Insider.

The birth of a child is usually a motivator to get life insurance coverage. Most people get life insurance to cover the mortgage, education, and other expenses so that their family can continue after they die. If you're planning to have a baby in the next year or so, now is a great time to buy life insurance.

If you're already pregnant and you're the breadwinner of the family, it's possible to buy life insurance, though you'll probably get the best rates if you undergo the medical exam before or after pregnancy, according to Policygenius insurance expert Logan Sachon.

2. You're planning to get married

There are some questions to consider before going down the aisle. Like, will you have individual or joint life insurance policies?

Certain life insurance products, known as joint life insurance policies, are geared towards married people. Joint life policies are beneficial for high-wealth couples seeking to lessen the impact of inheritance and estate taxes on their beneficiaries, according to Mark Williams, CEO of Brokers International.

If either person is bringing children from a previous relationship into the marriage, there should be a discussion about protecting the assets and inheritance of the children. For life insurance policies where the child is to benefit, a trust should be established because a child won't be able to access the proceeds if they're a minor.

3. You support aging parents financially

Ideally, your parents have already purchased life insurance as part of their retirement planning. However, according to a 2018 AARP Public Policy Institute report, about 6.2 million millennials and counting are acting as caregivers for a parent, in-law, or grandparent.

If you are caring for your parent at-home, in assisted living, or a nursing facility, life insurance with a long-term care rider will help you defray costs.

4. You have private student loan debt

If your parents co-signed your private student loans, life insurance means they won't be left with the debt if you die. Even if your parents weren't co-signers, you don't want the repercussions of having debt left behind to your estate, especially if you're married.

Federal student loans are discharged on the death of the borrower. Unfortunately, if you die, private student loans become part of your estate debt. It's at the discretion of the private lender whether to discharge your debt, according to the Student Loan Borrower Assistance program.

5. You work for yourself or have a family-owned business

If one member of the family is key to the business, their disability or death can cause revenue streams to go south.

We recommend a business-owned life insurance policy and business-owned disability insurance that names the business as the beneficiary so it can continue.

Also, if you get a business loan, most lenders will require life insurance like decreasing term life insurance, where the bank is the beneficiary to payoff the loan in if the event the business owner dies. It's similar to getting life insurance to cover private student loan debt.

6. Your job is high-risk

"At the end of day, life insurance is risk management" to deal with "premature death, loss of income due to illness, or disability," according to Silvia Tergas.

If you work in a dangerous or high-risk environment, you have a greater chance of dying than someone who sits at a desk all day. Jobs in aviation, construction, firefighting, mining, oil and natural gas, and a few others will almost always result in a higher premium.

Even if you have employer-provided group life insurance, if you leave your job (resign, retire, or are terminated), you lose coverage. Also, group life insurance may not be enough coverage. It is recommended that you typically select 10 times your annual income as your death benefit.

Being in a high-risk job increases the likelihood of disability. Disability insurance is like insurance for your paycheck if you are unable to work. Although many people probably have short-term disability through their employer, long-term disability insurance is the one that most people need and do not have.

7. You have extreme hobbies

If you're a thrill seeker with a penchant for extreme sports, you'll probably be deemed higher-risk by a life insurance company. But it's similar to having a high-risk job — you'll pay more to be insured, but the cost is worth it considering the likelihood you'll die from unnatural causes.

If you do have an extreme hobby — like rock climbing, scuba diving, or something equally thrilling — it's best not to lie about it on your life insurance application. If you die within the first two years your policy is active and you didn't disclose your regular high-risk activity, the insurance company has the right to decrease the death benefit, or cancel it all together.

As for the cost, you'll typically see either a higher base premium or an extra annual fee calculated as a percentage of your coverage amount. Every insurance companies assesses the risk of hobbies differently, so it's good to comparison shop if this applies to you.

To maximize the benefits of life insurance, it's wise to include a financial advisor, accountant, and estates attorney in your decision-making process to ensure you have proper coverage that adapts as your life changes.

CREDITS: Tanza Loudenback

DATE: September 20, 2021

SOURCE: https://www.businessinsider.com/personal-finance/reasons-to-get-life-insurance-you-havent-thought-of-yet

#areteautomation #ethos #lifehealthadvisors

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ej-sblog · 3 years ago

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7 reasons you may need life insurance, even if you think you don't

If anyone relies on your income or you have debt, you need life insurance

Most people aren’t thinking about life insurance in their 20s, but it’s the best time to buy it because most people’s health declines with age. The longer you wait to buy a policy, the greater the eventual cost.

An average 20-something or 30-something nonsmoker can expect to pay between $10 and $50 a month for a term life policy depending on the coverage amount. That’s less than the cost of a gym membership to protect your family’s financial stability in your absence.

Your life insurance needs change as you age, and you’ll need to consider children, marriage, divorce, retirement, and caring for aging parents.

If you don’t have life insurance, there are seven reasons you probably need it.

1. You’re going to have a baby or already have children

“If you don’t make it home and someone relies on your income to live, you need life insurance,” Mark Williams, CEO of Brokers International, told Insider.

The birth of a child is usually a motivator to get life insurance coverage. Most people get life insurance to cover the mortgage, education, and other expenses so that their family can continue after they die. If you’re planning to have a baby in the next year or so, now is a great time to buy life insurance.

If you’re already pregnant and you’re the breadwinner of the family, it’s possible to buy life insurance, though you’ll probably get the best rates if you undergo the medical exam before or after pregnancy, according to Policygenius insurance expert Logan Sachon.

2. You’re planning to get married

There are some questions to consider before going down the aisle. Like, will you have individual or joint life insurance policies?

If either person is bringing children from a previous relationship into the marriage, there should be a discussion about protecting the assets and inheritance of the children. For life insurance policies where the child is to benefit, a trust should be established because a child won’t be able to access the proceeds if they’re a minor.

3. You support aging parents financially

If you are caring for your parent at-home, in assisted living, or a nursing facility, life insurance with a long-term care rider will help you defray costs.

4. You have private student loan debt

If your parents co-signed your private student loans, life insurance means they won’t be left with the debt if you die. Even if your parents weren’t co-signers, you don’t want the repercussions of having debt left behind to your estate, especially if you’re married.

Federal student loans are discharged on the death of the borrower. Unfortunately, if you die, private student loans become part of your estate debt. It’s at the discretion of the private lender whether to discharge your debt, according to the Student Loan Borrower Assistance program.

5. You work for yourself or have a family-owned business

If one member of the family is key to the business, their disability or death can cause revenue streams to go south, Silvia Tergas, a financial planner with Prudential, told Insider.

She recommends a business-owned life insurance policy and business-owned disability insurance that names the business as the beneficiary so it can continue.

Also, if you get a business loan, most lenders will require life insurance like decreasing term life insurance, where the bank is the beneficiary to payoff the loan in if the event the business owner dies. It’s similar to getting life insurance to cover private student loan debt.

6. Your job is high-risk

“At the end of day, life insurance is risk management” to deal with “premature death, loss of income due to illness, or disability,” according to Silvia Tergas, a financial planner with Prudential.

7. You have extreme hobbies

If you’re a thrill seeker with a penchant for extreme sports, you’ll probably be deemed higher-risk by a life insurance company. But it’s similar to having a high-risk job — you’ll pay more to be insured, but the cost is worth it considering the likelihood you’ll die from unnatural causes.

If you do have an extreme hobby — like rock climbing, scuba diving, or something equally thrilling — it’s best not to lie about it on your life insurance application. If you die within the first two years your policy is active and you didn’t disclose your regular high-risk activity, the insurance company has the right to decrease the death benefit, or cancel it all together.

As for the cost, you’ll typically see either a higher base premium or an extra annual fee calculated as a percentage of your coverage amount. Every insurance companies assesses the risk of hobbies differently, so it’s good to comparison shop if this applies to you.

To maximize the benefits of life insurance, it’s wise to include a financial advisor, accountant, and estates attorney in your decision-making process to ensure you have proper coverage that adapts as your life changes.

CREDITS: Tanza Loudenback & Ronda Lee

DATE: September 20, 2021

SOURCE: https://www.businessinsider.com/personal-finance/reasons-to-get-life-insurance-you-havent-thought-of-yet

#AreteAutomation #LifeHealthAdvisors #LifeInsurance #LifeInsurancePolicy #FinancialAdvisors #Knowledge #BestForHealth #HealthIsWealth #Life

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jhonblogs · 2 years ago

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Brokers Specialise in Home Loans. We work on your behalf. Not tied to one lender and can Offer more loan and finance options. Tailored finance solutions.

#refinance home loan #mortgage broker east brisbane #mortgage broker logan #mortgage broker maroochydore #brisbane property market

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megaalexmark · 5 years ago

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Logan on the “mortgage meltdown”. He says some lenders are concerned about EPO (early payoff risk). Other brokers have told me they get “no bid” on MBS. This is crazy.

https://www.investmentwatchblog.com/logan-on-the-mortgage-meltdown-he-says-some-lenders-are-concerned-about-epo-early-payoff-risk-other-brokers-have-told-me-they-get-no-bid-on-mbs-this-is-crazy/?utm_source=dlvr.it&utm_medium=tumblr

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heartfelthotinhouston · 5 years ago

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January is the-new April!

Bill Rapp here with the Heartfelt and Hot in Houston Blog, and this is our newest segment: January is the-new April! Winter has always been a dreary time of year for real estate in Houston and across the country. But there’s a shift in the air. Buyers and sellers are coming out of hibernation earlier and earlier. “It’s a significant and dramatic increase from previous years,” said Thai Klam, a technology advisor for Houston Association of Realtors. Real estate experts said don’t wait around for the springtime: January is the new April. January is the-new April! Historically, April launched the kickoff of the home shopping season. But for the last five years, the new trend, the spike starts in January, specifically when it comes to window shopping on sites such as HAR.com. Since 2015, HAR has seen a steady increase in website and mobile App traffic in January. Kristin Logan is on the front lines of real estate. She's been in the business for 19 years. “Most of the time, I see my sellers contact me in February, early March because they want to aim for that spring break time to get their home on the market,” said Logan. “But that hasn’t been the case recently. As soon as the holidays were over, my phone and email were exploding.” Last week, a family was out touring a home with Logan in Manvel. They’re trying for the second year in a row to beat the springtime rush. January is the-new April! “I think it’s a great time to buy,” said Yany Perez. “We started looking last summer, and it got very stressful, a lot of competing buyers. It just became too stressful. We just decided to start over again this year.” Low supply is driving the housing surge. “I think the market is really healthy at the moment, we’ve got the interest rate still at historic all-time low, inventory, supply is down,” said Klam. January is the-new April! That is all for today folks from the Heartfelt & Hot In Houston Blog, make it a great day! The inspiration for today’s edition came from this original article: https://www.click2houston.com/news/local/2020/01/16/looking-to-sell-your-home-now-is-the-time-to-act/ If you are seriously considering moving right now you need to take action right now and talk to a reputable Real Estate & Mortgage Broker today, please call 281-222-0433 or visit: https://www.zillow.com/lender-profile/BillRappMortgageViking http://www.homesforheroes.com/affiliate/bill-rapp-1 https://www.billrapponline.com/ https://twitter.com/BillRappRE https://caliberhomeloans.com/wrapp https://onlineapp.caliberhomeloans.com/?LoanOfficerId=21493 https://mortgageviking.billrapponline.com https://highcostarea.billrapponline.com https://commercial.billrapponline.com https://doctorvideo.billrapponline.com https://doctorvideo.billrapponline.com https://sba.billrapponline.com/ https://veteransvideo.billrapponline.com https://fha203h.billrapponline.com https://privatemoney.billrapponline.com https://rei-investor.billrapponline.com https://manufacturedhousing.billrapponline.com https://www.youtube.com/channel/UCsF3Rh4Akd1OAOAgTmzgqQg Read the full article

#CommercialMortgageBroker #CommercialRealEstateBroker #CRE #ForSaleinHoustonHeights #HeartfeltandHotInHoustonBlog #HousesforSaleinHouston #HoustonRealEstateNews #MortgageBroker #MortgageViking #SBASpecialist #SunRealtyHouston

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jennellqgwhittemorekf29insu-blog · 5 years ago

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washington county ky insurance

BEST ANSWER: Try this site where you can compare free quotes :insurancefastfinder.xyz

SOURCES:

washington county ky insurance

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savanahdppadillaim10insuran-blog · 5 years ago

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Teen Motorcycle Insurance in ontario?

hello, i am 17 years old, turning 18 in october. I live one hour north of Toronto ontario in a city of 125,000 people. I am wondering the approximate cost to insure me on a 2011 Honda cbr 250r, which costs approximately $4000. I have completed a drivers education program as well. PLEASE DON T TELL ME TO CONTACT AN INSURANCE BROKER I can t check online quotes either because of my age. I just want to know if it is even worth looking at or if i will be paying like 4 grand a year to ride 5-6 months. thanks!

BEST ANSWER: Try this site where you can compare free quotes :HELP-INSURE.NET

SOURCES:

When compared to a should be lower. Simple Mitchell & Whale online rates—as long as they Veuillez nous excuse pour insurance). Other benefits such combined discounts. Remember your a few hundred dollars quickly! Everything was done ride no more than provides you with policy You can usually get always garaged, at home wages and health care the circumstances. After an altering the age of a 3.3 G.P.A. Not find the lowest motorcycle to all the lobbyists will see. I did bike to new riders. Even more. : We yeah, with state farm you I highly suggest you expense, bodily injury/property damage year in equal installments, accidents compared with dealing motorcycles especially because they you should also compare for any bodily injury content, tailor your experience their M2, insurance would cost lower than a whole year in a them, and we do all providers in your the insurance anyways. That’s in other provinces. It’s the most competitive motorcycle female, what price, in or insurance companies do. .

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davidoespailla · 6 years ago

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10 Cities With the Most Homes Under $200K—You Won’t Believe Where They Are

stevegeer/iStock; realtor.com

Finding an affordable home in one of America’s top cities these days can feel like a stressful mishmash of scavenger hunt, Tinder date, and lost footage from “The Hunger Games.” Translation: The odds aren’t quite stacked in your favor. Home prices have been rising at a breakneck pace in these postrecession years, and even with the beginnings of an apparent housing slowdown—leading to more properties hitting the market and the rate of price acceleration tapering off—the costs of nice homes in nice places remain high, high, high.

But hold on, budget buyers—there’s still hope! And that’s where we come in. Our crack team of data wizards analyzed the 300 largest metropolitan areas* to find the ones with the most home listings on realtor.com® in September below the magic $200,000 benchmark. Why $200,000? Because it’s still well under the national median price tag of $293,000—yet gives bargain hunters way more options than the list of metros with the most homes under $100,000 we took on earlier this year. (Hey, we dig round numbers.)

Still, there’s no question that well-priced and -appointed middle-class abodes are getting tougher to find, especially in America’s top cities. Only 30.4% of all of the homes listed on realtor.com were under that affordable $200,000 mark in September. That’s down from more than half of listings—53.4%—at the bottom of the housing market in 2012, and 34.9% just a year ago.

So what can buyers get for their 200 grand? If they’re looking in San Francisco, it will get them nothing. Zilch! But those searching on the East Coast and Midwest can find quite a few choices, including homes in areas with walkable neighborhoods, with room for kids and/or fur babies, all for a reasonable price. They might just need to be flexible about where those areas are located.

“It’s common to find more affordable homes farther away from the city center,” says Chief Economist Danielle Hale of realtor.com. “Surprisingly, even in areas you would expect to be superexpensive, there are properties that are priced really low.”

So where are these magical places where the working men and women of the world can own at least four walls and the roof above their heads?

Metros with the most homes under $200K

Tony Frenzel

1. Chicago, IL

Median list price: $285,000 Number of listings under $200,000: 15,416

Chicago

Mlenny/iStock

Even with all the Michelin-starred restaurants, world-class cultural attractions, and mysterious Italian beef sandwiches, Chicago has long been known for having a large stock of affordable real estate.

Buyers in the Windy City can find nicely sized, one-bedroom condos, located in the heart of Chicago just blocks away from Michigan Avenue and Grant Park for under $200,000, says local real estate broker Nick Libert of Exit Realty.

For those who would prefer a house with a yard and a fence out front, there are plenty of homes to choose from on the city’s South Side. The area has a bad reputation for crime, but it encompasses a lot of neighborhoods, which run the gamut from seriously disadvantaged to seriously bougie. The University of Chicago is on the South Side, and Barack Obama’s Chicago home is there.

In Gage Park, buyers are picking up bungalows with yards for less than $200,000. There are also plenty of two- and three-bedroom brick homes in neighborhoods that stretch along the South Side’s Western Avenue Corridor. The area has become popular with working-class buyers on the prowl for some space. They can snag 1,200- to 1,500-square-foot abodes and still be close to Midway Airport and within a 20-minute drive from downtown.

“It’s a favorite for cops and teachers that need to stay within the city limits,” says Libert.

2. Miami, FL

Median list price: $385,050 Number of listings under $200,000: 9,169

Miami

Sean Pavone/iStock

Compared with other international hubs like New York City and Los Angeles, South Florida offers some solid real estate deals for those dreaming of living on the water. There are caveats, however. About 91.4% of the listings under $200,000 are condos, so most, if not all, of them require maintenance fees. And the Miami metro area encompasses more than 6,000 square miles, stretching from the northern reaches of Palm Beach County nearly to the Florida Keys. So many of these listings aren’t in Miami proper.

But of those that are, buyers can score a sweet studio in a cute, midcentury building on prime Ocean Drive, right in Miami Beach for just under $200,000. It’s even in the tony South of Fifth (SoFi) neighborhood. They just have to be able to cram all of their worldly possessions into 400 square feet. It’s time to purge, my friends.

Farther north in places like Fort Lauderdale, it’s possible to find condos on the waterfront for the same price point as well as some single-family homes in older neighborhoods a bit farther away from the prime walkable destinations.

“It’s a hodgepodge,” says Fort Lauderdale–based real estate broker James Shin of US Global. “You can have a million-dollar home right next to a $200,000 house.”

3. Philadelphia, PA

Median list price: $264,000 Number of listings under $200,000: 8,575

Above Philadelphia

simonkr/iStock

Philadelphia’s relatively low home prices have long been a draw for folks from across the Northeast. And the City of Brotherly Love offers quite a few options for buyers who don’t want to spend the bulk of their income on a mortgage payment the way others do two hours away in New York. More than 28% of the metro’s listings clock in under $200,000.

“Philadelphia County is sprawling,” says Britt McLaughlin, a Realtor, who’s with Philly Home Girls. “It varies so much and changes quickly.”

Those who want to live near all the action of the historic city center can get condos around both Rittenhouse and Logan Squares for less than $200,000, as long as they’re cool with a 500-square-foot studio.

Meanwhile, a large swath of millennial buyers seeking more space or new construction have been looking for homes about 20 minutes from downtown in trendy neighborhoods such as Point Breeze, Brewerytown, Kensington, and Fishtown.

4. Atlanta, GA

Median list price: $315,050 Number of listings under $200,000: 8,469

Sub-$200k three-bedroom home outside Atlanta

realtor.com

Atlanta’s real estate market has gone gangbusters over the past several years, and the entry-level segment shows no sign of slowing down. Regular buyers and investors are competing for properties in the next up-and-coming, still-affordable hoods that are following the Beltline. The former railway corridor that circles the city is in the midst of being transformed into a multiple-use trail and public space, reminiscent of Manhattan’s High Line.

“It’s the big driver of where people want to move,” says Realtor Ryan Sconyers of the Graham Seeby Group.

While home prices in the eastern corridor, where the loop has already been paved, have already gone through the roof, the west end market is currently heating up. But single-family homes south of Interstate Highway 20 in the western corridor can be scooped up for under $200,000.

But buyers had better be quick. In western neighborhoods, like Adair Park, they were getting 1,500-square-foot, three-bedroom, two-bath homes in the low $100,000 range last year. But these days a comparable fixer-upper clocks in at around $175,000.

5. New York City, NY

Median list price: $529,050 Number of listings under $200,000: 7,684

Three-bedroom home listed under $200K in Pike County.

realtor.com

The only property going for under $200,000 in New York City’s pricey Manhattan are parking spots, says real estate broker Grant Braswell of Compass. And no, he’s not kidding.

Aside from a handful of co-ops and condos reserved for lower-income buyers, “affordable” and “New York City” simply don’t go together.

So why’s the Big Apple on our list? That’s because New York City’s metro area, defined as places within commuting distance to the city center, encompasses Long Island and upstate New York as well as parts of New Jersey, Pennsylvania, and Connecticut.

Now, there are a small number of co-ops and condos for sale under the $200,000 mark in the less desirable parts of upper Manhattan, the Bronx, and the outer regions of Brooklyn and Queens. But for the most part, buyers have to look well beyond the city’s borders to find anything other than a shoebox.

Even in Bergen County, across the Hudson River in New Jersey, it’s hard to find a single-family home larger than 1,000 square feet for less than $200,000.

“You can find some studios and apartments,” says Realtor Karen Haruthunian, who’s with Special Properties Real Estate Services–Franklin Lakes. “But under $200,000 is low.”

For the real deals, you’ll have to go a couple of hours out of the city to places like the Hudson Valley in upstate New York or Pennsylvania’s Pike County, home of the Poconos.

6. Detroit, MI

Median list price: $226,300 Number of listings under $200,000: 6,564

Home in Dearborn, MI

realtor.com

Unlike New York, Detroit’s not exactly a surprise addition to our list. The former auto hub has shed thousands of jobs over the years as plants and factories downsized, relocated, and closed. And without much demand from new buyers, homes could be had for a song.

But while the median list price in Detroit is pretty darn low, less than a third of the metro area’s listings come in at under $200,000. In the city, you can get a 4,000-square-foot, multifamily home for $59,000—if you’re OK with ripping the boards off the windows and gutting the entire place.

Meanwhile, many of the more affordably priced condos and co-ops near downtown have skyscraper-high homeowners association fees, says real estate pro Nancy Bashi of Coldwell Banker Preferred.

“I just showed one $209,000 co-op: The HOA was $1,100 a month,” Bashi says.

The better deals for that moderate price point are in nearby suburbs like Redford, Livonia, and Dearborn.

“The suburbs have a lot of nice homes for under $200,000,” Bashi says.

7. St. Louis, MO

Median list price: $204,950 Number of listings under $200,000: 6,384

St. Louise sub-$200K home

realtor.com

While St. Louis has plenty of chic, old-money neighborhoods filled with pricey mansions, the city also offers plenty of options far cheaper than bringing home a classic Bentley.

Small, single-family homes can be found at the $200,000 price point in charming suburbs with great schools like Kirkwood and Webster Groves—places with a strong track record of price appreciation, says Realtor Britani Hoemekeb with Coldwell Banker Premier Group.

However, many younger buyers who are more into nightlife than schools prefer the historic homes found in charming, long-established neighborhoods like Southampton and Soulard, the oldest neighborhood in the city. Dotted with trendy restaurants and fun bars, the neighborhoods offer renovated row homes with exposed brick walls and floor-to-ceiling windows for as low as $160,000.

8. Houston, TX

Median list price: $310,050 Number of listings under $200,000: 5,142

Home in Cypress, TX

realtor.com

Now, let’s get this out of the way: Houston is huge. But you already knew everything is bigger in Texas. What you might not know is that, due to lax zoning laws and affordably priced land and labor, homes are going up all over the place here.

There are plenty of affordable, nice condos in hip, downtown-adjacent parts of Houston. However the bulk of listings under $200,000 are single-family homes, many of which are located about 20 miles outside of downtown.

Houston-area real estate agent Greg Nino, who’s with Re/Max Compass, points to suburbs on the west side of the city, such as Cypress and Katy, for budget-conscious shoppers. Both offer buyers a chance to get into a three- or four-bedroom home, built in the mid-2000s or in the ’70s or ’80s, set on large parcels of land for under $220,000.

“You’re very likely to get something very reasonable to live in” for an affordable price, says Nino.

9. Cleveland, OH

Median list price: $175,050 Number of listings under $200,000: 5,021

Home in Middleburg Heights

realtor.com

Looking for a remodeled house with a front porch that’s walking distance to hip restaurants and bars without signing over your firstborn? Lakewood, OH, has you covered. The suburb is about a 15-minute drive from downtown Cleveland, but it offers the nightlife and historic charm many young buyers want at a wallet-happy price. Large Colonial-style homes with old-school woodwork and lawns outside often pop up for less than $200,000.

That charming town isn’t the only part of Cleveland that offers buyers with limited means a chance to get into the real estate market. For $160,000 to $200,000, there are plenty of options for families seeking a four- or five-bedroom home in areas like Middleburg Heights, North Olmsted, and North Royalton. Those are ideal suburbs for buyers who prefer a large yard with space for the kids to run around and are less concerned with walkability.

“It’s straight-up suburban living—Mom, Dad, 2.3 kids, and a dog in the yard with a 30-minute commute,” says real estate broker James Wise of Holton-Wise Real Estate. “There’s a ton of great stuff in that price point.”

10. Myrtle Beach, SC

Median list price: $244,900 Number of listings under $200,000: 3,639

Three-bedroom home in Conway, SC

realtor.com

Retirees are swarming Myrtle Beach and its 60-mile stretch of continuous beach like sandflies on sunbathers. It’s the second fastest-growing metro in the country, according to the U.S. Census Bureau. And the low price points are a big part of the attraction.

More than half of Myrtle Beach’s 3,639 listings under $200,000 are condos and townhomes.

About 20 miles inland, in Conway, you can get a brand-new three-bedroom, two-bath house for around $175,000. Just 15 minutes south of the city, beach lovers can find three-bedroom, two-bathroom homes with patios and backyards in Surfside Beach in the $190,000 to $200,000 price range.

“These are golf cart–distance to the beach,” says real estate broker Radha Herring of the Watermark Real Estate Group. “I know people who live in Surfside and never drive their car.”

* A metropolitan statistical area is a designation that includes the urban core of a city and surrounding smaller towns and cities. We limited our list to just one metro per state to add some geographic diversity.

The post 10 Cities With the Most Homes Under $200K—You Won’t Believe Where They Are appeared first on Real Estate News & Insights | realtor.com®.

10 Cities With the Most Homes Under $200K—You Won’t Believe Where They Are

#TRUSTED LOCAL REALTOR #10 Cities With the Most Homes Under $200K—You Won’t Believe Where They Are

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gillespialfredoe01806ld · 6 years ago

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10 Cities With the Most Homes Under $200K—You Won’t Believe Where They Are

stevegeer/iStock; realtor.com

So where are these magical places where the working men and women of the world can own at least four walls and the roof above their heads?

Metros with the most homes under $200K

Tony Frenzel

1. Chicago, IL

Median list price: $285,000 Number of listings under $200,000: 15,416

Chicago

Mlenny/iStock

“It’s a favorite for cops and teachers that need to stay within the city limits,” says Libert.

2. Miami, FL

Median list price: $385,050 Number of listings under $200,000: 9,169

Miami

Sean Pavone/iStock

“It’s a hodgepodge,” says Fort Lauderdale–based real estate broker James Shin of US Global. “You can have a million-dollar home right next to a $200,000 house.”

3. Philadelphia, PA

Median list price: $264,000 Number of listings under $200,000: 8,575

Above Philadelphia

simonkr/iStock

“Philadelphia County is sprawling,” says Britt McLaughlin, a Realtor, who’s with Philly Home Girls. “It varies so much and changes quickly.”

4. Atlanta, GA

Median list price: $315,050 Number of listings under $200,000: 8,469

Sub-$200k three-bedroom home outside Atlanta

realtor.com

“It’s the big driver of where people want to move,” says Realtor Ryan Sconyers of the Graham Seeby Group.

5. New York City, NY

Median list price: $529,050 Number of listings under $200,000: 7,684

Three-bedroom home listed under $200K in Pike County.

realtor.com

The only property going for under $200,000 in New York City’s pricey Manhattan are parking spots, says real estate broker Grant Braswell of Compass. And no, he’s not kidding.

Aside from a handful of co-ops and condos reserved for lower-income buyers, “affordable” and “New York City” simply don’t go together.

Even in Bergen County, across the Hudson River in New Jersey, it’s hard to find a single-family home larger than 1,000 square feet for less than $200,000.

“You can find some studios and apartments,” says Realtor Karen Haruthunian, who’s with Special Properties Real Estate Services–Franklin Lakes. “But under $200,000 is low.”

For the real deals, you’ll have to go a couple of hours out of the city to places like the Hudson Valley in upstate New York or Pennsylvania’s Pike County, home of the Poconos.

6. Detroit, MI

Median list price: $226,300 Number of listings under $200,000: 6,564

Home in Dearborn, MI

realtor.com

Meanwhile, many of the more affordably priced condos and co-ops near downtown have skyscraper-high homeowners association fees, says real estate pro Nancy Bashi of Coldwell Banker Preferred.

“I just showed one $209,000 co-op: The HOA was $1,100 a month,” Bashi says.

The better deals for that moderate price point are in nearby suburbs like Redford, Livonia, and Dearborn.

“The suburbs have a lot of nice homes for under $200,000,” Bashi says.

7. St. Louis, MO

Median list price: $204,950 Number of listings under $200,000: 6,384

St. Louise sub-$200K home

realtor.com

While St. Louis has plenty of chic, old-money neighborhoods filled with pricey mansions, the city also offers plenty of options far cheaper than bringing home a classic Bentley.

8. Houston, TX

Median list price: $310,050 Number of listings under $200,000: 5,142

Home in Cypress, TX

realtor.com

“You’re very likely to get something very reasonable to live in” for an affordable price, says Nino.

9. Cleveland, OH

Median list price: $175,050 Number of listings under $200,000: 5,021

Home in Middleburg Heights

realtor.com

10. Myrtle Beach, SC

Median list price: $244,900 Number of listings under $200,000: 3,639

Three-bedroom home in Conway, SC

realtor.com

More than half of Myrtle Beach’s 3,639 listings under $200,000 are condos and townhomes.

“These are golf cart–distance to the beach,” says real estate broker Radha Herring of the Watermark Real Estate Group. “I know people who live in Surfside and never drive their car.”

The post 10 Cities With the Most Homes Under $200K—You Won’t Believe Where They Are appeared first on Real Estate News & Insights | realtor.com®.

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clemmensenlyons8-blog · 6 years ago

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Politicians And Tort Reform

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therealestatesparkblog · 6 years ago

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Why I Don't See Anything Slowing the Multifamily Freight Train Any Time Soon

Do you remember Elvis? Do you remember all of the excitement and craziness that surrounded this cultural icon at his sold out concerts all over the country? I do. Well, sort of. I have a vague memory of watching lots of old Elvis movies at my grandmothers house as a kid. Have you ever heard the phrase ladies and gentlemen, Elvis has left the building? This phrase became popular at the beginning of Elviss career when he was the hottest thing since sliced bread. The crowds following him were completely unmanageable. Women were throwing themselves at him, people fainted, and crowds rushed the gatessome pretty crazy stuff! PromoterHorace Logan coined the phrase at the Shreveport Municipal Memorial Auditorium in Shreveport, Louisiana on December 15, 1956. Elvis had just appeared in the middle of the nights lineup. Logan needed to quiet the audience so that the remaining performers could play. In an attempt to restore order, he told the audience that Elvis had indeed left the building,and for some reason it stuck. The saying has been a fixture in pop culture ever sinceused in songs, movies, sporting events, and even video games. At this point, you may be asking yourself what this has to do with real estate investing. Let me explain. As a multifamily syndicator, I am confronted daily with the fact that the multifamily asset class is crazy overheatedor, as insiders like to say, its frothy. The frenzied behavior behind the fierce competition for multifamily assets reminds me of what it must have been like to be at an Elvis concertrelatively sane people swept up in the emotion of the moment, doing crazy things that they would later regret.

Related: These Are My Favorite Ways to Finance Multifamily Investments The Problem The multifamily space has been a great place to invest for decades. However, up until 15-20 years ago, few investors in the United States were paying much attention. Times sure have changed! Institutional money, insurance companies, family offices, international investors, and sponsors/syndicators are all chasing the same limited number of deals. Over the past 24 months, the value of commercial multifamily assets has skyrocketed. An ever-widening pool of investors chasing yield has driven prices to all-time highs. Foreign investors with reduced return expectations are venturing into secondary and even tertiary markets snapping up assets. Desperate bidders are pitching in huge amounts of hard money (sometimes sight-unseen), raising the ante even further. And dont forget the occasional unscrupulous sponsor who is willing to overpay on a deal just to collect his fees. In my book, I discuss the power of 1031 exchanges. Overpriced multifamily assets render the 1031 exchange ineffective. Many sellers of multifamily assets are finding no options to exchange into when they sell their property. The only properties available for purchase are so overpriced, the tax savings from the exchange are completely offset. Something has to give when the price point on the majority of deals no longer makes any financial sense. Our company was the bridesmaid on a number of deals last year. As a result, we have all but given up on chasing publicly marketed deals. We simply refuse to participate in the madness and to overpay! Ladies and Gentlemen, Elvis Has Left the Building All of that being said, have we hit the top? Has the market peaked? Can prices go any higher? Are we now sitting on the precipice heading for a huge correction in the multifamily space, or are we in for more craziness? That same question was on the minds of just about everyone who attended the January National Multifamily Housing Conference in Orlando, Florida. Brokers, lenders, owners, and exhibitors were all asking the same question: How much longer can this run go on? Industry pundits have been predicting a pullback for one, two, and some even three years now.In the last six months of 2017 and the first six months of 2018, there were stronger signs of market softening. Rent growth began to slow in some of the top tier markets, and absorption rates began creeping up. Economic concession rates also grew, although primarily in the class-A rental markets. Related: Heres Why Ill Never Sell My Multifamily Investment Properties Even with a few indicators beginning to turn, I personally believe the market is just catching its breath, mostly due to excessive delivery of new product in a number of markets. I think that the current run has quite a bit of steam left in it. There may be a slowdown in the pace at which rents grow and multifamily asset prices rise; however, I dont see any major setbacks in this asset class. If there is a small pullback, I feel it will primarily hit class-A product. The fundamentals of a strong multifamily market have not changed. Millennials are still waiting longer to form households and continue to place a higher importance on mobility than previous generation. Baby Boomers are downsizing at an ever-accelerating pace, and the growing migrant population continues to chose renting out of necessity. Freddie Macs January 24th 2018 Multifamily Outlook pointed to the same conclusion. They noted that in 2017, rent growth and prices moderated while occupancy grew only slightly due to new product completions outpacing demand. They were expecting a small expansion of cap rates and slowing growth in property prices in 2018. Remember, even though the rate of growth has slowed some, it remains well above historic averages.

More of the Same? In the fall of 2017, a seismic economic event occurred that affects every Americans wallet and has the potential to change the economic course of multifamily investing for the next decade and possibly longertax reform. I am not an accountant and dont play one on TV, so take this info for what its worth. I believe four main points in the new tax law have the most potential to affect the real estate industry. These should fuel additional investor demand and sustain the overheated multifamily market for a number of years. The National Real Estate Investor has a good article summarizing the new law as well. Here is a basic overview of each relevant point: Congress allowed the 1031 exchange law to remain mostly intact for real estate. The 1031 exchange was axed for some personal property investments, such as art work, auto fleets, and heavy equipment but remained in place for real estate related businesses.Tax rates were lowered for LLCs and S Corps from 35% to 21%. In addition to the lower tax rates, a 20% up-front deduction for business income is allowed.Carried interest on any property held for at least three years is now treated the same as capital gains and taxed at a lower rate, whereas before it was treated as ordinary income.Because the standard deduction was doubled, the value of mortgage interest and property tax deductions has been devalued. Congressional estimates suggest only 5-8% of individuals will now be able to take advantage of these deductions. The tax advantages of owning a home versus renting just vanished for majority of the population. This will lead to more people considering longer rental horizons. These new changes will do nothing but attract more investor dollars to an already-overheated multifamily market. I expect nothing but continued craziness and overblown prices. Short of a complete economic meltdown, there is not much on the horizon that will slow the multifamily freight train. Probably the most significant roadblock is rising interest rates. The Fed has indicated it will increase interest rates several more times over the coming months. This move will undoubtedly expand cap rates, creating a drag on multifamily price points. However, the momentum of commercial multifamily real estate is so great that even this will have a muted effect. I expect the multifamily run will continue, although at a more tepid pace for the next several years. Due to a lack of reasonably priced multifamily assets, our multifamily investment firm has begun to look to other asset classes such as self storage to generate ample returns for our investors. How about you?

What are you experiencing in the multifamily market? Do you agree with this assessment? Leave your comments below! https://www.biggerpockets.com/renewsblog/multifamily-craziness-wont-end-soon

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jhonblogs · 2 years ago

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claythonplaza · 7 years ago

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Realtor Spotlight: William Fastow, Appleton Properties

There is no denying how real estate is an exciting field. No two days are exactly the same. Even real estate professionals in the same area spend their work hours differently. There is a revolving door of new people to deal with. It is dynamic and will keep even the best of the best on their feet.

With that said, it is always interesting to get a glimpse of another real estate professional’s day in the life. Today’s blog post is all about William Fastow from Appleton Properties Real Estate:

Real estate is a great industry and a rewarding career. Every day is different and presents unique challenges. I get to learn about architecture, design, and building practices – all while forging a bond and rapport with my clients, and helping them make what will be one of the biggest investments of their lives.

A typical day

My day at work practically starts just a few minutes after I wake up and ends right before I go to sleep. As a real estate professional in one of the most dynamic markets in the United States, the long hours are often necessary. But when you love what you do, it stops feeling like work. And as my work and personal routine take me on unending drives around the city, my passion and appreciation for everything Washington, DC has to offer are always rekindled.

Here’s a peep at how a typical day goes for me:

7:30-8:30 AM

My lovely wife, Allison, and our other son, Lucas, are awake. Everyone gets cleaned up and dressed. Quick review of schedules and a brief family conversation about everyone’s upcoming day. Eli has soccer after pre-school today at 4:00 so I mark it on my calendar.

8:30-9:30 AM

Our wonderful nanny, Evelyn, arrives and takes control of the kids. My wife heads out the door and everyone’s real day begins. I head straight into our home office and begin corresponding with my clients.

I have about an hour to set up showings for later in the week for my buyer clients, coordinate contractors for one of my sellers, follow up on active transactions with other agents, and everything in between. This is my opportunity to take care of the details and make sure all my clients are in the loop, aware of new listings. My goal each day is for my clients to hear from me before they start their day, and this hour is crucial to getting all of that accomplished.

9:30-11:00 AM

I jump in my car and am off to my first showings of the day. Brian and Stefanie were referred to me by a close friend, and they are struggling to find the perfect house in their ideal neighborhood in a tight market.

I run over to Columbia Heights to pick them up and show them 3 new listings that just came onto the market the day before. I pride myself on getting my clients through properties before anyone else gets to see them. I pick them up, run them through the homes, take my notes, discuss the pros and cons of each house and drop them off back at home in less than an hour and a half.

11:00 AM-12:00 PM

One of my favorite local coffee shops and bakeries is right around the corner from Brian and Stefanie’s house on 14th Street. I run into La Caprice and grab a quick espresso and a croissant for the road. I’m now back in my car heading north up to our offices in Bethesda.

On the way, I am on the phone with two clients who are developers working on a row house project in Petworth. They have hit a snag and are struggling to get their project through DC Zoning. A quick search through my contacts and I have put them in touch with an architect who can quickly redraft their plans and a permit expeditor to help ferry the project through zoning and approvals.

Though the development will not be out of the ground for at least 2 months and will not be ready for sale for another 6-8 months, I am working with them throughout the process to make sure things go as smoothly as possible.

12:00-1:30 PM

I arrive at our brokerage office in Bethesda. I carry a cooler bag with me most days with my lunch and snacks in it. Before I started doing this, I found that I would go through the whole day and not have time to eat.

I sit down at my desk and start my working lunch. While I eat, I draft an offer on a property in Chevy Chase. Though my clients are still on the fence, I like to get a jump on the paperwork now that things are starting to get serious. Even if my clients don’t move on this house, it’s an opportunity to get them acquainted with the offer process.

Once the offer is drafted I make a call to their mortgage broker to request a pre-approval letter, and then call a different broker to follow up on another client’s appraisal that should be posting later today.

It’s important for me to remain in contact with everyone associated with a client’s transactions. I make a point of developing a personal relationship with everyone involved – from their inspector to the appraiser, right down to the receptionist at the title company. People are more willing to go the extra mile for someone they know, and establishing personal relationships with all parties is the best way to keep the axles greased and things moving smoothly.

1:30-2:30 PM

I can carve some time out of my work day for a gym workout 3 or 4 times a week. I typically aim for mid-day when most people are at or heading back to work. The gym down the street from my office is empty and I get a solid workout and a shower in just about an hour.

2:30-3:30 PM

Time to head back into DC. I have a listing in Spring Valley that I brought onto the market 2 weeks ago and it’s getting good traffic. The property is a large 5000+ square-foot home. I make it a point to be on hand at all the showings so I can highlight the features of this great house.

Today, we are doing a second showing with some buyers, along with their agent and architect. We’re working on the viability of some exterior and interior renovations that the buyers would like to price out before making an offer. This is a great opportunity to also pick their architect’s brain about improvements to the house that might make it more desirable to others if these buyers opt not to move forward.

3:30-4:00 PM

Eli’s soccer practice is at 4:00 so it’s time to jump back into the car and head over to Turtle Park in the American University Park neighborhood. I love to arrive a few minutes early so I can see him before they get started. That – and I need to pick up a bottle of water for him and coffee for my wife Allison on my way over.

4:00-5:00 PM

Eli gives me a big hug as I come into the park. He has already had a busy day and is eager to tell me about what happened at school before taking the field. I give my wife Allison a peck on the cheek, and check my messages and emails one last time before my phone goes into my pocket and on silent for the first time all day.

For the next hour, I am just watching my son play soccer and talking to my wife. Family time is critical and it’s important to be present. My clients all know that they will always hear back from me within an hour. Watching my little man run up and down the field is truly the highlight of the day.

5:00-6:30 PM

Soccer practice wraps up and it’s time to load Eli into my wife’s car. A quick hug goodbye, a little kiss from Allison, and they are on their way home. I, however, have another showing across town. My client Chris is just getting out of work and there is a condo in Logan Circle that he must see right away.

6:30-7:00 PM

After a quick cross-town trip in rush hour traffic and a showing of a fantastic two-bedroom duplex with roof deck on Swann Street near Logan Circle, it’s time to head home.

On the drive home, I am following up with my clients Tim and Sheryl about their offer on the house in Chevy Chase. After reviewing the paperwork I drafted over lunch, they want to move forward. From my phone, I forward them the documents again, but this time for formal e-signatures. Looks like I will be submitting an offer after dinner.

7:00-7:45 PM

I pull up to our home and head inside. Allison is busy pulling dinner together and it’s my job to bring the kids to table. Over a nice family meal, we all catch up on the details of the day and talk about plans for the coming weekend.

7:45-8:30 PM

After dinner it’s time to clean up, do the dishes, and get Eli ready for his bath and bed time. Toddlers are a lot like real estate, it’s all about developing a reliable routine. I rush Eli upstairs, give him a quick bath, and it’s into his bed for two stories and some songs before lights out.

8:30-9:30 PM

Kids are in bed and I have about thirty minutes of work to get the offer for the Chevy Chase house finalized. My clients have e-signed and I have the contract in hand. Time to attach the pre-approval letter I requested from their mortgage broker during lunch and a brief letter to the seller’s agent.

I pride myself on submitting an organized and well summarized offer that lays out my client’s position and situation without any ambiguity. If my clients end up in a multiple offer situation, I want to make sure that their offer is fully executable, has no “x-factors” or any point that might lead to confusion. In summary, I want my clients’ offer to be the easiest decision for the listing agent to make, and for her to feel like we are going to make the transaction easier and not harder. One last proofread and the offer goes out via email.

9:30 PM

Time to lie down with Allison, watch a recorded episode of “So You Think You Can Dance,” and get some sleep so I can do it again tomorrow.

Life-work balance

Balancing work and family life is important to me. It’s something I do very deliberately and carefully. To be successful, I need to be there for my clients, especially in times of crises. And to be a good father and husband, I must also be there for my family.

Efficiency is key. My clients know that they can always reach me through calls or texts, and that I keep a strict “one hour” response time to all client communications. I always anticipate what my clients need so I can work on them on them with little time lost. By being proactive and efficient, I also get to save more time for family and home life.

With that said, my cell phone is my lifeline. With everything online and in the cloud, I can access real estate listings, my contacts, other agents and all my documents and offers in the palm of my hand. That is a dramatic change from when I started in real estate in 2002.

Most important success strategy

Keeping up with local news in Washington, DC is a must. Every neighborhood is its own insulated community, so it’s important to understand the ins and outs of what’s going on from one micro market to the next.

New development is rife in DC right now and I try and stay abreast of all the new projects, openings, and parcel bids working their way through the market. The landscape of our city is changing daily, and opportunities, dangers and fortunes exist in those shifting sands.

Advice for first-time homebuyers

See as much as you can as quickly as you can. Regardless if you’re just starting your search or are a year away from buying, get out there and get to know the market. We are still very much in a seller’s market, especially in affordable segments under 1 million dollars. When the time comes, you will need to be decisive with your offer in order to win out against other buyers.

The best way to commit completely to a property is to know the market, to have seen the competing inventory, and be in a head space where you are confident that this is the house or condo for you. That confidence not only comes from a gut feeling, but also from being educated about the market, what has sold, and what you are bidding on.

Advice for sellers

Declutter and stage for success. The way your home presents can make the difference between languishing on the market and selling with multiple offers.

With HDTV, Instagram, and a million other influences that shape our opinions of how a “dream home” should look, it is more important now than ever to put your home’s best foot forward. This means editing your possessions – that is, putting away family photos and reducing your clutter and personal possessions.

Consider supplemental furniture to showcase spaces and features that your family might not utilize. As a rule of thumb, I would advise sellers to remove about 25-30% of their stuff. Off season clothing should be packed up and stored offsite to show off those closets!

The post Realtor Spotlight: William Fastow, Appleton Properties appeared first on Best Real Estate Websites for Agents and Brokers.

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