One of the venture capital firms represented in the Geek Estate Mastermind, HousingTech Ventures, has partnered with the San Francisco Bay Area corporate law firm, Montgomery Pacific LLP and employment law firm, Daijogo & Pedersen, LLP to provide a brief presentation on critical issues that startups should be considering as the country and the economy face many unknowns due to COVID-19. Topics covered will include:
How should your Board exercise its fiduciary duties, including its duty of oversight, in the current environment?
In the face of this unprecedented disruption, are contractual obligations modified in any way?
How should you care for employees and stay in compliance with employment laws?
What additional risks does remote working pose?
Webinar will take place on April 9th, at 2 PM EST // 11 AM PST.
Montgomery Pacific’s founding partners Kathy Woeber Gardner and Karen Masterson Dienst and Daijogo & Pedersen’s founding partner Maki Daijogo will apply their decades of experience of working with startups to frame issues and questions that the COVID-19 situation presents to early-stage companies.
Please reply here to register and you will be sent a link.
Most first time homebuyers don’t set out to be landlords. But maybe they should.
That’s where multifamily homes come in.”Multifamily” can mean everything from shiny new duplexes to huge, old subdivided Victorians. And they have the potential to open up some interesting possibilities for the right buyers.
Why buy a multifamily home?
As a society, we have a lot of hang-ups about multifamily properties.
When your mental image of the traditional American dream has always been a large detached house and a yard for the dog, it can be easy to rush past the less attractive but objectively smarter options.
That being said, the average American moves about 11 times in their life—so don’t worry. Your first house probably won’t be your last. It can, however, act as a stepping stone to the one you really want.
Let’s take a look at a quick (and fairly simplified) case study.
Meet Jimbob and Lupita.
They’re just starting out. They’ve got decent jobs, and have really buckled down to save up enough for a down payment of about a 10%. In a perfect world, they’d like to quit renting and cut down on what they pay for housing each month—but they realized that might be asking a lot in their current market.
After getting preapproved by a lender, they’ve determined what they can spend on a house, and after much searching, they find two options.
Option one: a single family home
Jimbob and Lupita’s first option is cute little craftsman that could use a few cosmetic updates, but nothing serious. They’ll need to take out a $170,000 loan to pay for it, which—assuming a 30 year fixed loan and an interest rate around 5%—puts their monthly payment at about $900.
It’s close to what they’re paying for their current two bedroom apartment, but at least they’re building equity.
Option two: a duplex
While the duplex is at the very top of Jimbob and Lupita’s budget and would require a loan of about $210,000, it’s in good condition and needs minimal work. With the larger loan, their monthly payment will be right around $1100. Since they’re good with budgets, it’s still comfortable for them, but only barely.
Of course, that’s not the end of the story.
Though the home has a one bedroom unit and a two bedroom unit, Jimbob and Lupita decide to downsize a bit. They move into the one bedroom and rent out the two bedroom for around $900 a month.
Effectively, their mortgage payment shrinks to $200, leaving them room to pay off their home even faster or put money toward a new property.
Where to find multifamily properties
If Jimbob and Lupita’s hypothetical scenario sounds pretty sweet, fear not. You can get there too. It will require some extra math and legwork to do right, however. First up: finding the right property.
You can find multifamily homes anywhere you can find single family homes, whether it’s online through services like Zillow or through a local realtor.
But because of the nature of multifamily properties—that is, that they have higher occupant turnover and tend to be treated like the investments they are—there are other options to consider when looking.
Cold calling
Owners are a lot less attached emotionally to investment properties, and you’d be surprised how often they’re willing to sell if the price is decent.
A good tactic is to drive around the neighborhood you’d like to buy in and look for properties that could use a little work. That gives you both leverage when making an offer and some room to increase your investment (and your rent prices) with a little sweat equity after closing.
An even better tactic? Get in touch with landlords currently going through an eviction. Thanks to laws that help protect the rights of renters, evicting truly awful tenants is an expensive and time consuming process that can leave many landlords looking for the exit sign.
Luckily for a smart shopper like you, evictions are public records in most parts of the country. Just do some research as to how to get your hands on this info (it varies by area) and you’re golden.
Foreclosures and short sales
When owners can’t afford their house, it either goes back to the bank (a foreclosure) or gets sold for less than the outstanding loan amount (a short sale). Either way can mean a deal for the next buyer.
The one downside? The process of buying foreclosures and short sales can be fraught with legal issues and hidden costs. So while you might save some cash, the end result might not be as worth it as you expect.
Buying from a wholesaler
Wholesalers snap up property at a discount and then immediately sell it to investors. If you’ve tossed out traditional methods of property searching and are still reluctant to do the legwork yourself, consider searching a wholesaler out. Just be careful and really do your homework—not all wholesalers are good at their job.
What to look for in a multifamily home
Not all multifamily properties are built the same. While most of the factors you look for in a single family home (solid foundation, good school system, you know the drill), still apply there are some quirks that you need to pay attention to.
1. Location, location, location. Sometimes clichés get it right. Location is going to have a lot to do with what kind of properties and tenants you can find, not to mention how much you’ll pay and how much you’ll be able to charge for rent. This is one area where it really pays to buckle down and do some research.
2. How many units? The more units, the more rent money. Of course, the math is not quite as simple as that. More units means more work for you, more cost when things go wrong, more complicated taxes (take a gander at all the tax rules here), and more difficulty qualifying for loans. Above 4 units, and you’re automatically ineligible for some programs. For first-time buyers, a duplex is always a solid choice.
3. A polite, timely tenant. Yup. You heard right. In some situations, your property might come with a tenant or two already installed, and since a sale doesn’t generally alter a tenant’s lease, you’ll want to make sure they’re up to snuff.
4. Resale value. While not quite as important as other factors on this list, any homebuyer would be remiss to not consider what happens if they decide to sell. Demand for multifamily homes is typically lower for a multitude of reasons, so be certain you won’t need to dump the property in a hurry, or risk doing so at a loss.
Financing your new investment property
Most people will tell you that financing an investment property is tricky. And they’re not exactly wrong.
If you’ve done your math right, though, the extra hassle is more than worth it. That’s because you can count your a portion of your projected rent as income, making it easier to qualify for a larger loan.
Though exact requirements will depend on the lender you work with, here are a few of the key differences you could encounter:
Higher down paymentr required
Higher credit score required
Properties with more than 4 units will not qualify for Government loans
Higher conforming loan limits, depending on number of units
Why occupy the property at all?
Wondering why you shouldn’t just rent out the whole thing and rake in that sweet, sweet rent money?
If this is your first time buying a investment property, occupying one of the units—at least for a little while—is in your best interest. The reasoning for this is twofold.
First, it allows you to see how you like being a landlord. Maybe it’s a sideline that really fits with your lifestyle, or maybe it’s actually kind of a pain and additional rental properties won’t be in the cards. Either way, the risk is minimal.
Second, there’s a good chance your lender will offer you a lower interest rate if you live in the property yourself.
When you give it some thought, it makes sense. If a person falls on hard times, which of their mortgages are they most likely to pay—the mortgage for their rental property, or the one for the home where their family lives?
Of course, you can make the most of it by planning on occupying one of the units yourself. The more a bank trusts you, the less you’ll pay. Plus, as an owner-occupant, you’ll also be allowed to make use of an FHA loan, which is specifically created for first-time homeowners, with benefits like a lower credit threshold and options for down payments as low as 3.5%.
Acting as neighbor/landlord
Okay, so you’ve done your homework and determined that a multifamily property could work for you financially. Awesome.
But what about that whole landlording thing? How does that work?
If you’re trying to wrap your head around the landlord part of the equation, we’ve got a great post on the basics of being a landlord that covers everything from setting rent to attracting tenants.
However, if you’re planning on occupying the property yourself, there’s also the neighbor part of the equation to consider. While it’s great to be friendly with your neighbors, you should always keep in mind that this is primarily a business arrangement and act accordingly.
Here are a few tidbits to keep in mind:
Make your requirements regarding things like noise level and communal outdoor spaces clear in the lease agreement.
Document any changes you decide to make to the lease–verbal agreements won’t help you in court.
Avoid throwing your power as landlord around unnecessarily. It doesn’t exactly make for comfortable living situations.
Study up on your rights as landlord as well as the rights of your tenants. Knowing your stuff can make conversations much smoother and keep you from getting sued.
Have you ever seen Buzz Lightyear or Cinderella walking around the Disney World theme parks and wondered what it was like to be an actor living out those iconic roles? Or maybe you’ve dreamt of playing these classic characters for a day? Well, we talked to former actors from Disney parks who experienced first-hand what it’s actually like.
From having tourists ask strange questions to deal with wardrobe malfunctions – they had plenty of stories to share. Get ready for some wild experiences as you read all about their adventures.
1. Nick Wilde from Zootopia
A Redditor shared his experience as Nick Wilde from Zootopia and posted, “I was one of the performers for Nick Wilde from Zootopia a few years ago, And if you’re not aware; a large number of people in the furry community find him highly attractive.You can just imagine the number of people in that community who flirted with me and/or Judy and whispered some pretty [nasty] things to us. I think I also had a guy grab Nick’s tie like in that flirty way, we had to get him escorted out of the park. The moral of the story is: don’t be inappropriate with the characters, we are real people underneath, and there are legitimate consequences for that kind of behaviour.”
One user replied, “You wouldn’t go up to a random stranger in public and assault them; them being dressed as a cartoon character doesn’t make that okay.”
Another responded,”People assault random strangers in public all the time. I work in retail, and it happens almost daily. I think you, like most people, overestimate the goodness in others.”
2. Piglet
A user posted, “Dated an actress, the weirdest she had was a man asking for him to be in the suit for an hour. He offered her 3k.”
One user asked, “Which suit?”
The original poster answered, “Piglet.”
One user exclaimed, “OMG.”
Another user added, “What the actual heck!”
Another user also asked, “Did she do it? 3k is 3k.”
One replied, “I doubt Disney would let her take the costume off property, lol.”
One user also shared, “Not exactly the same situation, but where I work, there was this girl working on a golf course who got fired because a group of old guys bribed her with $200 to flash them and she did. One of the guys took a picture and their wife found it, which almost got the resort into major trouble. So the question is do you take $3k and lose your job or not?”
3. Goofy
A user shared, “I was playing Goofy inside a restaurant and I got swarmed Aliens-style by a hoard of kids [less than 10 years old]. Unfortunately, while I was playing around with them the inner hood below the mask slipped over my eyes, and I was completely blinded. We had assistants around whom we could signal for help by flapping our arms, but the kids had made it a game of attaching themselves Tarzan-like to both my arms, and to raise them I would have had to lift 3-4 kids per arm (dangerous even if I’d been strong enough to do that).
“I found myself blind and completely rooted to the spot, unable to ask for help and with nobody realizing that I was in trouble. I spent like a solid 10-15 minutes in that sort of limbo reflecting on the life decisions that had taken me there until the assistant came over and whispered, ‘Set is over, dude,’ and I finally managed to signal something was wrong.”
Another user chuckled and replied, “I’m sorry, but I’m laughing imagining Goofy, rooted in place, contemplating life decisions in the middle of a restaurant.”
The original poster answered, “There’s remarkable room for thinking inside those suits.”
“Damn. That sounds exhausting,” one user replied.
The original poster shared, “Playing Goofy in general, was mostly physically ok other than the big weight of the mask on your neck. The real grind was Sully from Monsters & Co. The mask is so big it’s basically an architecture strapped to your waist and shoulders, the boots are huge and flatfooted, and there are no gloves, instead, you hold these two artificial arms from inside the costume and wave them about (not too bad at first but do it for 30 minutes straight and those things really begin to weigh). That shift was a proper workout.”
4. Tinkerbell
One user posted, “I dated a girl that played one of the fairies for the Tinkerbell place. Beyond the pretty much daily occurrence of old dads hitting on her (she was 19 at the time), the weirdest thing to happen to her was a woman with a 4yr old little girl was all excited to get a picture with Tinkerbell, who was busy, so my ex volunteered to do pictures and entertain the little girl while they waited.
“The woman was [very rude] about that idea, rudely saying she was here to see Tinkerbell and not ‘off-brand’ fairies. So just shrugging it off, my ex moved on. A bit later, she hears a commotion, and Tinkerbell is obviously upset, and security shows up. Apparently, this woman was Tinkerbell’s bio mom and had taken her granddaughter to Disney, just to violate the restraining order against her. Disney Jail is a real place.”
5. Mickey Mouse
One user stated, “I was a ‘mouse height’ performer at Disney World around 2013. Can unfortunately confirm groping happened from time to time, and it was incredibly uncomfortable. We were trained to move away if we could and signal to the character attendants to escort the guest away if it happened. One time some guy thought it appropriate to pick me up completely off the ground in a bear hug. The head pushed back and because the inside is connected to us with headgear and a chin strap, my neck bent back with it, and it hurt like hell.
Not a weird story, but one of my most memorable guest experiences was meeting a little blind boy as Mickey in Epcot. I gently guided his hands to the soft ears, then the nose, and bow tie, and he was laughing, and his smile lit up the whole room. I still get emotional thinking about it! Interactions like that made it all worth it to me at the time.”
Another added, “The second story, the blind kid… great story. Thanks for making his day.”
Another user asked, “I’m slow… what’s a “mouse height” performer?”
A Redditor answered, “It was to imply they played Mickey or Minnie in the Parks, probably due to their height being right for the costumes. Also, Disney can get weird about performers mentioning their past work, so a lot of times, people will hint at who they played rather than outright say.”
One user also added, “They’re not supposed to ever say who they played, just that they were friends with the character.”
6. Minnie Mouse
One user commented, “I knew a friend (a guy) who wore a Minnie Mouse costume. He told me almost all guys would put their hands around his waist. He wouldn’t dare to talk, or else they will hear his manly voice, and that might [make them mad]. Edit: this blows up quickly. I feel I need to let people know that it’s not okay to grope the Disney characters… All I can tell you is that they will make a disgusting face under the mask and talk… about you later after work.”
One added, “I’d have waited till they groped then in my deepest gruffest voice said “how YOU doin’?”
The original commenter replied, “He sometimes wanted to take off the Minnie Mouse headpiece off and look straight at the guy’s eye with a straight face and say ‘Stop it.’”
7. Pluto
One of the Redditors posted, “I had a female friend who played Pluto for a few years. Even though her gender was indistinguishable because it’s a fully body Pluto costume, she would regularly share how often she was groped by kids and adults alike. In costume, she looked like she was 6’6”, but was only 5’8” in real life. You couldn’t tell the gender of any of the 3-4 in Pluto rotation and you could barely tell them apart.”
Another user also shared, “We met an absolutely amazing Pluto… many years ago. Our daughter was about 5, and was absolutely besotted with Pluto, to the extent that was all she asked for for Christmas. Just Pluto… The whole time we were at Disney, she was looking out for him without any luck. On our last full day there, we booked a character breakfast, but he didn’t turn up there, either. But as we were leaving and about to go down the stairs to the exit, who should be coming up them but the dog himself?
“I have no way of knowing who was in that costume, but I am so grateful to them. They must have seen something in our daughter’s face, because they got to the landing, went down on one knee and opened their arms to her. She absolutely FLEW down the stairs, and was given the longest hug. We took a photo (this was before cell phones, when everybody had those little disposable digital cameras). It’s one of my favorites; you can’t see her face because it’s buried in orange plush, but you can tell how much it means to her. So whoever you were—thank you. You absolutely made her day—she still mentions it now.”
“Reminds me of Marry Poppins. My daughter had just watched the original and learned the supercalifragilistic song. She was obsessed. Then when we were on It’s a Wonderful World ride, we saw her walking away. She couldn’t get off the ride fast enough. And ran to find her at the carousel. They waved at each other, and when Mary and Bert got off the ride, they came over. She walked with my daughter hand in hand, and they had a conversation…
“She invited her to come to the show in front of the castle and brought her up to sing and dance. Then later there was a parade. Mary spotted her in a nearby balcony we were watching from. She seemed genuinely excited to see my daughter. Mary made the trip awesome,” one user responded.
8. Easter bunny
One user posted, “I used to be the Easter Bunny at a function hall, and people were just…weird. I’ve been threatened by a guy that told me he was going to throw me down the stairs. It’s hot, too. Some kids were really happy to get a picture, so it made it all worthwhile.”
One added, “I read that second sentence as a completely different kind of ‘hot’ in the context of the prior sentence, and was deeply concerned for about a second.”
Another user confirmed, “I’ve done some volunteer work in costume, and I agree. People are weird. And adults are always worse than the kids.”
9. Goofy, Mickey, and the Parade
One Redditor shared, “Repost from a guy who played Goofy from a couple of years ago. ‘I have one moment that stands out above all the rest. I was waiting for someone to ask me this question. It’s the reason I left a good job as a VIP Tourguide and moved to the Character Department.
“I was working at City Hall… when two guests came in with two little girls. One was in a wheelchair, and the other one looked like she had just seen death. Both were cut and bruised and the one in the wheelchair had her arm in a cast. The two women were… nurses from a hospital and were asking for a refund on the girl’s tickets… When I asked why they told me the story. The two girls were with their mom and dad at Epcot and on the way home they got into a horrible car accident. The mother [passed away] right in front of them. The father… died too, but the two girls didn’t know that yet.
“They were from overseas and had no money and no contact information for anyone they knew. They were bringing the tickets back to get the girls some much-needed money to help get them back home. My heart absolutely sunk. [Those girls] were truly traumatized. I refunded their tickets and got permission to be their private tour guide for the rest of the day… I walked them to the VIP viewing area for the parade which was as far as I could walk them in the costume we used to wear at City Hall… On the way down I pulled out every kid joke I could think of. I was a REALLY good tour guide… and I knew how to make kids smile.
“Nothing worked. These girls were too far gone for that. I left them at the bridge to go change… and bawled my eyes out. I just had never seen something so horrible. I [had] a terrible feeling of powerlessness not being able to fix the situation. When I came back I brought them to get ice-cream, take them on rides… but they never smiled, not once. The nurses were loving it and were trying to get them into it but it just wasn’t working. We went back to the bridge to watch the parade. It was there that I honestly saw true magic. Real magic, not [fake].
“I… called the parade department to… set up a private meet and greet after the parade. As the parade was coming around Liberty Square I told the girls that I had called Mickey and told him all about them. I told them that Mickey asked to meet them after the parade. The little girl in the wheelchair smiled. “Really?” she asked. My heart skipped. “Yes, really! He told me to tell you to look out for him in the parade and to follow the float back to City Hall.” The other girl smiled. “You mean right now?” she asked.
“It worked. They were talking… It was the first time I had heard them speak. Every single parade performer came up to them on the bridge and told them to look out for Mickey. Every one of them told them that. When Mickey’s float came up Mickey (who was attached to a pole at the top of the float) managed to turn her body sideways, look down at the girls and point towards Main Street. That was all it took. The girls were excited now. They had forgotten about death. They were lost in a magical world and… I was watching it unfold in front of my eyes.
“We followed that float all the way back to City Hall, singing “Mickey Mania” the whole way. I took them in [the VIP celebrity lounge] and showed them the book where all of the autographs were. They were eating it up. The girl who was Mickey that day got down off her float and without even taking her head off walked up to me backstage and said “Let’s go.”
I walked in with Mickey behind me so I got to see the exact moment the girls met their new friend. They got shy but Mickey was in control now. Those girls met the REAL Mickey Mouse that day. Every single parade character stayed dressed to meet those girls. One by one they’d come in and play… We were in that lounge for over an hour. Mickey stayed in costume the entire time (which is hard to do after a parade). When Mickey finally said goodbye I had two excited girls on my hands that couldn’t stop smiling… We had a wonderful day after that but what I remember most is when we walked by the rose garden, the older one said “Oh, my mommy loves roses! I mean…” and she stopped.
“I held out my hand and walked her to the gate, picked her up and put her on the other side and said “Pick one!” She looked happy as she picked out her favorite rose. She didn’t say anything more and she didn’t need to. I said goodbye to the wonderful nurses and the wonderful girls then walked backstage behind the train station. This time I didn’t cry. It felt so good to be a part of that. I realized that as much as I liked helping guests at City Hall, the true magic of Disney was in the character department. I auditioned, transferred, and never looked back. Thanks for letting me relive this. It was a special day for me.”
One user replied, “I can’t imagine it… I lost both my parents last year and I’m in my 30s. The pain, impossibility of it, loneliness, fear, the MISSING them is all so intense. I can’t imagine being that young and witnessing such a thing and then having to walk through it. My first birthday without them is coming in 10 days, and I feel as devastated as when they first passed. I hope those girls have found comfort and love.”
“I’m so sorry. Much love to you on your birthday,” another user responded.
10. Chip ‘n Dale
One user said, “I was Chip ‘n Dale in Land, and some dad came up with his kids, I was doin my thang and having fun with them. When it came time for pics the dad came over to join us and all was well until after the picture when he asked for a hug so I gave him one. He squeezed, pulled away, grabbed his kids hands, smiled and said, ‘I didn’t know Dale was a girl under all that fur.’
“I played it off at the time but it made me really uncomfortable that he had actually squeezed hard enough to feel me under my costume… decided to wear binders while I was in character so that no one else could ever feel my boobs again through the suit. This was back in 2019.”
Another one responded, “I have a similar story as Smokey Bear. I used to work for the US Forest service and when I was an intern I got to be Smokey (I thought it was a high honor, turns out I was just the unlucky fool to volunteer). Still there was a bunch of training and rules before I was allowed to do it. Regardless I had a few dads grab my waist, which was actually just a pair of massive jeans and realize I was a girl and make really lewd comments. It was weirder with the handful of women who would try to grab my cr***h and make jokes about what I had down there.
“Being Smokey was a lot of fun otherwise (except also that every dog hated you) but it had its moments. Lots of weird comments, luckily I wasn’t allowed to talk at all and had handlers (fellow employees) to manage the people. It definitely always made me uncomfortable how weird people can be with someone in that situation where you’re kind of held hostage by your environment and the persona you’re inhabiting.
“Although the scariest moment was when one overzealous person tried to tackle me and the head almost came off, I don’t know what I would have done since it was in front of a crowd of like 150 children.”
One added, “That’s a gross way to phrase it, but as a teen I was shocked to realize I could see through the mesh of the character heads when close up. It looks so opaque from a distance and the accidental eye contact inside a cartoon animal’s mouth felt super awkward.”
Another user concluded, “As someone who does a lot of different character work, kids love to press their faces against the mesh mouth and try to get a look of whoever’s inside. Nothing I can really do about that, unfortunately.”
Source: Reddit.
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Some things just scream, “I’m insecure?”; in fact, that phrase is probably circulating around right now on social media. The latest example would be Hailey Bieber, Kylie Jenner, and Kendall Jenner’s behavior towards Selena Gomez. Those women have been tagged as “mean girls.” However, how do you really know when someone is insecure?
Here are the top seven signs that show you’re insecure, according to Reddit users:
1. Not Admitting When You’re Wrong
One Redditor said, “When people cannot admit that they don’t know something.”
Another commenter added, “To build on this point: people who are opinionated on a subject where they either know nothing about or regurgitate points off select news sites/feeds.”
Another person added, “I have a friend I’ve known since I was little, and one of the main reasons we’re fairly distant is that he does this about everything. Literally anything I mention I’ve been doing, places I’ve been, people I’ve been spending time with. Regardless of how much I know he doesn’t know about a subject, he always has the absolute most condescending, lowest opinion of it. Like, somehow, everything I do happens to fall under the vast umbrella of bad experiences he’s had and knows better about now. Like yeah, I was kinda stoked about the thing I’m sharing with you, but never mind, homie, guess you’ve been there and would avoid that.”
However, another commenter defended, “I find that I usually react that way only if my opinion is being completely dismissed. For example, if I say green apples taste sweeter than red apples, then a friend says, ‘No, red apples are definitely sweeter than green apples,’ I will feel personally attacked because he’s basically calling me stupid for thinking green apples are sweeter. I don’t mind if my opinion is wrong sometimes, but I think it can be worded better when you have a disagreement with someone. Just say your own opinion without invalidating mine. For example, ‘…Personally, I think red apples are sweeter,’ is a perfect alternative.”
2. Mocking Someone Else’s Achievement
One Reddit user posted, “Mocking someone else’s achievement.”
Another one added, “Having to one-up everyone’s achievements.”
A third commenter responded with his experience, “I work with a geezer like this, unfortunately. Try to talk about literally anything, and he’ll have a one-up. He’s full of s**t tho, lol. Edit: first Reddit comment to blow up, and your responses are funny AF.”
Another Redditor also commented, “Woman I worked with always prefaced stuff like this with ‘that’s alright,’ as in ‘oh, you are broke? Well, that’s alright. I have only a dollar to last me to the next paycheck.’ Finally told her, look it’s not alright. Knowing you are broke too does not make it alright for me to be broke, so, please! Stop saying that! She left in a snit and didn’t talk to me for a few days, and she stopped saying it.”
“Trying to ruin someone else’s achievement/ actively celebrating their failures (when they’ve done nothing to you, at least),” one user replied.
3. Belittling Others
One Redditor posted, “Belittling others.”
Another user added, “Or constantly talking about themselves to prove they’re better than others.”
A third user also responded, “Or how about acting like a life coach giving advice at every opportunity? I can think of a famous podcaster that constantly does this…”
Another commenter said, “So I think I accidentally did this. Like someone will say, ‘I just did XYZ. It was really hard,’ and I’d say ‘Yo I did that too,’ but I mean it in a way to say I’m like you. I can relate to you on this topic, but it gets taken the wrong way, and they try to 1-up me. I’ve probably done something similar.”
4. Backstabbing
One commenter posted, “Always talking badly about others and trying to make them look weak/bad.”
Another Redditor responded, “Exactly. I knew a mother and son who would always be the quickest to gossip and point out the negative about so many relationships and other people in general. I used to think they were being very realistic and observing people and their flaws. Till I saw their true colors and realized that they were a very insensitive, cruel, and insecure lot who couldn’t handle it being dished out to them.”
“You always hear people say to stop worrying if strangers or others are judging you because nobody is paying attention to you anyway. Yeah… it took one night with this couple and just listening to the trash they said about perfect strangers (her mainly, he’d agree). I asked what the point was and she said ‘it’s one of the ways we have fun’. Alrighty… lol.”, added a third commenter.
5. Humble-Bragging
One Redditor posted, “Constantly saying what kind of person you are. If you were, you wouldn’t have to tell us..”
“When someone starts with that statement I automatically tune out,” one added.
Another commenter added, “‘I’m a nice guy!’”
6. Never Apologizing
One Reddit user posted, “Never apologizing. Making excuses and even twisting the facts but never apologizing.”
“For the life of me, I don’t understand how people can be so insecure. I’m a teacher, and tally up my mistakes every day in front of my class so they can see that even the pros botch a thing or two. If I can do that in front of a bunch of twelve-year-olds, why can’t other people do that in their everyday lives?” one commenter added.
A third user replied, “If you get beat for making mistakes, you learn to hide your mistakes. If making mistakes as a kid consistently leads to having those mistakes held over you, weaponized against you, you will end up on guard against anyone finding out about your errors. Beat the puppy, get a mean dog.”
“I have a friend like this. She never admits she’s wrong and she also says she’s just a ‘tells it like it is’ kind of person. Basically excuses herself from accountability when she says mean things. She surrounds herself with friends who will always capitulate to her in anything. I’ve started to distance myself from this friendship over the past few months as a result,” another Redditor added.
7. Social Media PDA
One Redditor posted, “Constantly having to post how amazing your relationship is.”
Another one added, “In my experience, those are usually the people who actually have very toxic relationships.”
“For real, constant publicizing of your private life is not a good sign of stability,” another replied.
One user also shared his experience, “I’ve seen this on two separate occasions with one being recently with my roommate. So my roommate literally moved 6 states just to be with his gf he’d been dating for a year. They posted their relationship constantly and from the outside looking in the relationship was ‘perfect’.
“They’d argued so much because it turns out that she was cheating on him with a dude through an online game. Shortly after he gave her another chance after my gf, his friends, and I all told him not to, and they went back to showing how picture perfect their relationship was. When I asked him how it was going he would say great, but the relationship got worse. The arguments got worse; they’d go through each other’s phones constantly, give each other silent treatments because they couldn’t communicate through a problem, and to finish it off she was still cheating on him. So the moral of the story is don’t judge a book by its cover I guess.”
“I cannot fathom how someone could get caught cheating and then go back to the original relationship. If you’re unhappy enough to cheat, then why not just end the relationship?” one user asked.
Source: Reddit.
10 Celebrities Who Are Universally Disliked
People will always have preferences and something to say about celebrities. What you might love may not be the same for others. Whether it’s about their past behaviors, legal issues, or feuds with other celebrities, here is a list of celebrities people just cannot stand.
10 Celebrities Who Are Universally Disliked
These 7 Celebrities are Genuinely Good People
We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble?
These 7 Celebrities are Genuinely Good People
15 Cover Songs that are Better than the Original
Sometimes, a cover of a song ends up doing far better than the original. Some covers are so good that we didn’t even realize the cover version wasn’t actually the original.
15 Cover Songs that are Better than the Original
Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.
10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth
These 11 Movies Are So Bad You’ll Wish You Could Unsee Them
The movies we love best are a combination of excellent characters, plots, stories and cinematography. But if these factors can make great movies, they can also make terrible movies—the ones that make people cringe, the ones we swear they’ll never watch again.
These 11 Movies Are So Bad You’ll Wish You Could Unsee Them
Welcome to the ultimate guide on converting a carport to a garage. Whether you reside in the vibrant city of Nashville, TN, and dream of transforming your carport into a garage with a guest living area, or you just bought a house in the quaint and charming city of San Marcos, CA, where you envision creating a mini bar and recreational living space, this Redfin article provides a comprehensive list of all the major considerations you should to take into account before you begin your project.
Converting a carport into a functional and versatile space is not only a trending home feature that adds value to your home but also opens up a world of exciting possibilities. In this article, we’ll provide you with a comprehensive checklist to consider before starting on your carport conversion project, along with fresh and innovative ideas that will inspire and elevate your project to new heights.
Carport garage conversion checklist
1. Check your local building codes, HOA regulations, and permits
Before starting on a carport garage conversion, it’s crucial to familiarize yourself with the specific building codes and regulations in your area. Local building codes determine the minimum standards for construction, safety, and design, ensuring that the garage conversion meets essential requirements. Additionally, if your property falls under a Homeowners Association (HOA), their rules and guidelines may impose restrictions or design criteria for garage conversion.
Ensure compliance with both the local authorities and the HOA to avoid potential legal issues or costly alterations down the line. Furthermore, obtain all necessary permits before beginning your project as these documents ensure that the project is reviewed and approved by the appropriate authorities and that it adheres to safety and zoning standards.
2. Determine your budget and financing options
Creating a comprehensive budget is a crucial step before starting any carport garage conversion project. Carefully assess the scope of your project, including materials, labor, permits, and any additional features or amenities you plan to incorporate. Factor in unexpected expenses to allow for flexibility during the project. If your budget exceeds your available funds, explore financing options such as home equity loans, personal loans, or lines of credit. Make sure to choose a financing solution with favorable terms and interest rates that align with your financial capabilities.
3. Hire a professional for a structural assessment
Converting a carport into a garage involves altering the existing structure, and it’s vital to ensure its stable and durable. Engage a qualified and experienced professional, such as a structural engineer or contractor, to conduct a thorough assessment of the carport’s foundation, framework, and load-bearing capacity. They will identify any potential weaknesses or areas that require reinforcement to support the additional weight of walls, roofing, and other modifications. The structural assessment provides crucial insights that guide the design and construction phase, ensuring that your new garage is safe and built to last.
Relying on professional expertise during this stage minimizes the risk of structural issues and potential hazards in the future. Before commencing any home improvement project, make sure to ask contractors questions to ensure their qualifications, experience, and adherence to local regulations and building codes. This proactive approach will help you select the right professional for the job and provide peace of mind throughout the conversion process.
4. Plan the design and layout of your garage
Careful planning of the design and layout is essential for creating a functional and aesthetically pleasing garage. Consider the number of vehicles you want to accommodate, as well as any additional storage needs or utility areas, such as a workbench Think about the placement of windows and doors to ensure sufficient natural light and easy access. If you intend to use the garage for multiple purposes, create designated zones to optimize space. Sketch out your ideas and explore various design options to find the one that best suits your needs and complements the overall architecture of your home.
5. Select the appropriate building materials
Choosing the right building materials is vital for the structural integrity, durability, and appearance of your garage. Select materials that align with your design preferences and work best for your local climate. For example, if your area experiences harsh weather conditions, opt for materials that offer superior weather resistance. Consider the type of walls, like wood or concrete blocks, and the types of roofing materials, like asphalt shingles or metal that will suit your needs and budget. High-quality materials may require a higher upfront cost but can save you money in the long run by reducing maintenance and repair expenses.
6. Plan for ventilation and climate control
Proper ventilation and climate control are essential to maintain a comfortable and safe environment within the garage. Adequate ventilation prevents the buildup of moisture and fumes, which can lead to mold growth and unpleasant odors. Install vents or exhaust fans to promote airflow and improve air quality. Additionally, consider insulation to regulate temperature extremes, keeping the garage cooler in summer and warmer in winter. If you plan to use the garage for activities that generate heat, such as a workshop or home gym, consider incorporating heating and cooling systems to ensure a pleasant workspace year-round. Efficient ventilation and climate control contribute to the longevity of the garage and protect any valuable items stored inside.
7. Determine if you need utility connections
Evaluate whether your garage conversion requires utility connections such as electricity, water, or gas. If you plan to use the garage as a workshop, laundry room, or home office, electrical outlets are essential to power tools and appliances. If you need water for a utility sink or bathroom, ensure the plumbing connections are feasible. Consider the potential cost of extending utilities to the garage and consult with professionals to understand the best approach for connecting utilities safely and efficiently.
8. Explore your garage door options
Selecting the right garage door is crucial for convenience, security, and aesthetics. Assess various garage door types, such as overhead roll-up doors, sectional doors, or swing-out doors, each offering different benefits. Also, consider the material of the garage door, such as steel, wood, or aluminum, based on your preferences and budget. Automatic garage door openers with remote controls provide added convenience and security. Choose a garage door that complements the architectural style of your home and meets your functional requirements.
9. Plan for lighting
Proper lighting is essential for a functional and safe garage. Assess the lighting needs based on the garage’s intended use. Overhead lighting provides general illumination, while task lighting is necessary for work areas. Consider LED lighting for its energy efficiency and long lifespan. If you want to maximize natural light, strategically place windows or skylights to enhance brightness during the day. Motion-activated lights around the garage’s exterior can also serve as security measures, deterring potential intruders.
10. Consider security measures
Garages often store valuable items like vehicles, tools, and equipment, making security a top priority. Install sturdy locks on all doors, including entry doors and any connecting doors to the house. Consider an alarm system to protect against theft and unauthorized access. Security cameras provide surveillance, allowing you to monitor activities around the garage. Motion sensor lights outside the garage act as a deterrent and enhance visibility during nighttime. Additionally, if you have windows in the garage, consider adding window locks for added security. By incorporating these security measures, you can safeguard your belongings and ensure peace of mind.
Carport conversion garage ideas
A garage is more than just a space to store cars, it can be a versatile extension of your home. Once you have converted your carport into a functional area, it’s time to consider a garage makeover that will elevate its potential even further. Explore exciting ideas such as transforming your garage into a dedicated home gym, a productive home office, or a fun-filled playroom.
For DIY enthusiasts, a well-organized workshop area can become a dream come true. Alternatively, create a cozy pet area to ensure your furry companions have a safe and comfortable space. With these creative garage makeover ideas, your garage will become a dynamic and multi-functional space that enhances your lifestyle and adds value to your home.
Workshop space
Converting your home garage into a workshop area is a dream come true for DIY enthusiasts and hobbyists. Start by installing a sturdy workbench with ample storage for tools and materials. Organize your tools on peg boards or wall-mounted tool racks for easy access. Adequate lighting is crucial for precision work, so consider adding task lighting above the workbench and general overhead lighting for the entire space. Enhance functionality by incorporating built-in shelves and cabinets for storing supplies. Insulate the garage to regulate temperature and make it a comfortable workspace year-round. With a dedicated workshop in your garage, you’ll have the ideal environment to unleash your creativity and complete various projects with ease.
Playroom
Converting your garage into a versatile playroom creates a dedicated space for recreational activities and entertainment for all members of the household. Start by creating a blank canvas with neutral colors to suit various interests and age groups. Consider adding soft and comfortable flooring for activities like yoga, board games, or simply lounging around. Install ample storage solutions such as shelves, bins, or cabinets to keep toys, games, and recreational equipment organized and easily accessible. Incorporate versatile furniture like bean bags, floor cushions, and modular seating to accommodate different play activities.
Add a chalkboard or whiteboard wall for creative expression and interactive fun. Integrate a variety of entertainment options, such as a TV, gaming consoles, or a projector for movie nights and virtual adventures. By creating a multifunctional playroom in your garage, you’ll have a space where everyone can unwind, have fun, and spend quality time together.
Home office
Converting your garage into a home office allows you to create a productive workspace away from distractions inside the house. Start by insulating the garage to ensure a comfortable and quiet environment. Consider adding windows or skylights to bring in natural light and create a pleasant working atmosphere. Install a sturdy desk and ergonomic chair for comfortable hours of work. Organize the office with shelves, filing cabinets, and storage solutions for a clutter-free space. Set up a reliable internet connection to stay connected and productive. If necessary, add heating and cooling systems to maintain a comfortable temperature. Personalize your home office with artwork, plants, and decor to create a motivating and inspiring workspace that enhances your productivity and creativity.
Home gym
Transforming your garage into a home gym provides the ultimate convenience for fitness enthusiasts. Clear out clutter and install rubber or foam flooring to create a safe and comfortable workout area. Incorporate wall-mounted mirrors to check your form and enhance the sense of space. Install proper ventilation or fans to keep the air fresh during intense workouts. Organize your gym equipment with wall-mounted racks or freestanding storage systems. Consider adding a sound system to keep you motivated during exercise sessions. With a home gym in your converted garage, you can exercise at any time without the hassle of traveling to a commercial gym, ensuring a more consistent and effective fitness routine.
Pet play area
Transforming your garage into a pet play area provides a safe and comfortable space for your furry companions. Clear out the garage and create a cozy environment with pet-friendly flooring, such as rubber mats or pet-safe carpeting. Designate specific areas for your pets to rest, play, and eat, and consider adding built-in pet beds or kennels. Install proper ventilation to maintain a fresh and odor-free atmosphere. Set up storage for pet supplies and accessories, including food, toys, and grooming tools. Ensure the garage is secure with pet-friendly doors and windows, allowing your pets to enjoy the outdoors safely. By converting your garage into a pet area, you offer a dedicated space where your pets can feel at home and be well-cared for.
Home bar and entertainment area
Converting your garage into a stylish home bar and entertainment area provides an ideal space for hosting gatherings and unwinding with friends and family. Install a functional bar counter with seating, complete with a sink and storage for drinkware and beverages. Consider adding a mini-fridge, ice maker, and wine cooler for easy access to refreshments. Set up a media area with a large-screen TV, sound system, and comfortable seating for movie nights and sports events. Enhance the ambiance with mood lighting, such as pendant lights or LED strips. Add decorative elements like wall art, mirrors, and shelving to showcase your spirits collection and add character to the space. With a well-designed home bar and entertainment area, your garage will become the go-to spot for fun and relaxation.
Laundry room
Transforming your garage into a laundry room not only significantly enhances your home’s functionality but also provides the added benefit of maintaining a clean and organized garage space. Install a utility sink for handwashing and soaking clothes, and set up space for your washing machine and dryer. Add ample counter space for folding and organizing laundry. Integrate built-in cabinets or shelves for storage of laundry supplies, cleaning products, and household essentials. Consider a drying rack or designated hanging space to air-dry clothes. Ensure the garage is well-ventilated for humidity control and maintain a pleasant atmosphere while doing laundry. By transforming your garage into a laundry room, you can streamline your laundry routine and keep your living spaces tidy and clutter-free.
Art and music studio
Transforming your garage into a versatile music and art studio at home provides an inspiring and creative space for artistic expression and musical pursuits. Start by creating a well-lit environment with ample natural light and adjustable artificial lighting to cater to various art and music needs. Install soundproofing materials like acoustic panels or foam to minimize sound leakage and ensure optimal acoustics for musical instruments. Consider adding storage solutions like shelves, drawers, and cabinets to organize art supplies, paints, brushes, and musical equipment.
Set up designated areas for artwork creation, musical instrument practice, and recording projects. Personalize the studio with artwork, musical memorabilia, and decor that reflect your unique style and inspirations. With a dedicated art and music studio in your garage, you’ll have a sanctuary to explore your creative passions and immerse yourself fully in the world of art and music.
Guest room
Converting your garage into a cozy and welcoming guest room is a fantastic way to provide a welcoming space for visiting friends and family. Begin by decluttering and insulating the garage to create a comfortable environment. Install proper lighting and ventilation to ensure a pleasant stay for your guests. Consider adding a comfortable bed, storage solutions, and decor that make the guest room feel like a home away from home. Personalize the space with thoughtful touches to make your guests feel special and cared for during their stay.
However, before proceeding with the conversion, be sure to check with your local authorities about Accessory Dwelling Units (ADUs) regulations, as these may apply to the guest room conversion depending on your area’s zoning laws and building codes. Taking these factors into consideration will help you create a delightful and compliant guest room for your loved ones.
A power of attorney (POA) — which is a legal document that names a person to act on someone else’s behalf in certain legal, medical or financial cases can be overridden by the creator (or principal) at any time, as long as they are of sound mind. If the principal cannot override their POA agent, or the person appointed to act on their behalf, loved ones may attempt to do so
.
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Reasons to override a power of attorney
A POA may need to be removed if the agent is:
Abusing their position. This could include taking advantage of their role by using the principal’s assets to make a profit for themselves or not upholding their fiduciary responsibilities to follow the principal’s instructions and make financial decisions based on the principal’s best interests.
Combining assets with the principal. Unless the POA agreement allows it, the POA should not create joint accounts or connections between themselves and the principal.
Unable or unwilling to keep and/or share the proper records. This includes things such as investments, receipts, disbursements and transactions.
Overstepping their authority. POAs shouldn’t take any actions that the POA document prohibits
.
What are the steps to overriding your power of attorney?
Steps to override your power of attorney vary by state. For example, the formal way to end a power of attorney in Illinois includes filling out a revocation form, getting it notarized and sending it to the agent
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Check with a lawyer or local court to ensure that any method you take is legal. In general, though, you should make the change in writing, typically through one of the following methods:
Mail. Provide written documentation of removal to the current agent through the mail. When removing a power of attorney this way, you should select a type of mail delivery that requires signed certification of receipt by the agent.
Electronically. In some states, written notification through email that you are revoking your agent’s authority is enough to remove them from the position.
In person. There are also approved methods of personal delivery that vary by state. An estate lawyer can help ensure the proper removal of a power of attorney through this method.
If there are additional rules regarding agent removal listed within the power of attorney document, you should follow those guidelines.
After removing your agent, you should notify any third parties that may have been in contact with the current agent — like your bank or doctor — to alert them of the change.
What are the steps to overriding someone else’s power of attorney?
In some cases, loved ones may become concerned about the ability of an agent to fulfill their duties. When that happens, there are a few options.
Discuss issues with the principal. In a case where the principal is of sound mind, an individual can address their concerns directly to them. If their concerns are founded (perhaps through the request of an accounting of actions taken by the agent) and the principal agrees, the principal can go about removing the agent through the steps listed above.
Talk to an attorney. If the principal has an estate planning lawyer, anyone concerned about an agent’s actions can speak with that attorney for advice. In some cases, the lawyer can revoke the power of attorney.
Go to the court in the county where the principal resides. If the principal isn’t able to physically request the removal of an agent and consulting a lawyer isn’t an option, visit the county court where the principal lives and create a petition to request a replacement.
What happens after you override a power of attorney?
If you haven’t already, consider appointing a successor agent in your POA. This person would take over the responsibilities of the agent if you decide to override your original agent, or if something were to happen to the original agent and they could no longer perform their duties.
🤓Nerdy Tip
A successor agent is different from naming a co-agent who would serve at the same time as your original agent. Naming more than one person to act as an agent together isn’t usually necessary and may lead to disagreements or other legal issues.
If you don’t have someone listed as a successor and you remove the current agent, pick a new agent as soon as possible. If something happens to you before doing so, a court may be required to appoint someone for you.
Frequently asked questions
What happens if my power of attorney wants to quit?
A person can decline agent responsibilities or quit whenever they like. The rules for an agent to resign from their power of attorney duties are usually laid out in the power of attorney document. That often includes the agent notifying the principal in writing of their decision. If the principal isn’t in a position to receive notification, the agent may resign through a notice to the person in charge of caring for the principal. If you’ve named a successor within your power of attorney document, that person becomes the agent when your original agent resigns. If you didn’t, you’ll need to name someone new.
What happens if I don’t have a power of attorney?
State law dictates what happens to someone if they are incapacitated and unable to handle their business or personal affairs and don’t have a power of attorney. In most cases, a court may appoint a guardian or conservator to take over for you.
Can I have more than one power of attorney?
There are two types of POAs: financial and health. A financial POA handles your money and any legal needs. A health care POA (or “proxy”) makes medical decisions for you when you cannot do so. You can name the same person to be both your financial and health care POA, or you can have different people for each.
Term life insurance is an important investment that can protect your family’s assets at any stage of your life and getting affordable life insurance rates is important for protecting your budget right now.
Depending on your age though will also determine how much you need, how long you need it for, is term or a guaranteed policy the best.
Below is a quick guide on the different ages and what you should consider when buying life insurance. I’ve also included links to relative articles that go more in depth on each age bracket.
Here’s what you need to know to get cheap life insurance at any age.
Whether you are single or married, a part of a large family or a small one, purchasing insurance is a responsible step that everyone should take so that loved ones will be provided for.
Know your family’s budget and how the life insurance rates will fit within your budget. Knowing this dollar amount will keep you from being “oversold” by an agent trying to earn higher commissions. The premiums must fit within your budget.
Be aware that each person’s life insurance needs for death benefit amounts are different. We will look at this in more detail later, but just because your buddy or co-worker bought a million dollar life insurance policy doesn’t mean that you need to.
Understand that life insurance companies have different underwriting guidelines and that you HAVE to compare rates from different companies to be confident you’re getting the lowest life insurance rates available for you based on your lifestyle, your medical conditions, and your age. (We compare rates from different companies for you.)
Be thinking about the following numbers (to help determine the death benefit needed):
How much family debt you have (mortgages, credit cards, autos, etc.)
College education dollars needed for children in the household
Ongoing income dollars for a surviving spouse (if applicable)
Estimated amounts of funeral costs
Any philanthropic dollars you might wish to leave to a favorite charity
How much life insurance do you have now, for how long (ie, 20-year term), and is it a permanent policy like whole life or universal life
This is related to #3. It might not be in your best interests to buy life insurance from agents that only represent one company and can’t offer you quotes from several different companies. Some of these life insurance companies are Northwestern Mutual, New York Life, and others who have agents that only sell their life insurance plans.
Life Insurance Rates By Age
Purchasing life insurance is very important, and generally speaking, one of the main factors in pricing life insurance from the insurance company’s viewpoint is how old you are.
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Your age will help you determine how much death benefit you need to apply for, how long you need it for, and whether term or a guaranteed policy is the best plan that suits your needs.
Obviously, it just makes common sense that the older you are, the less number of years you are expected to live.
Life insurance companies call these “mortality tables”, and they use these mortality tables to actuarially determine how much they should charge for life insurance.
These CSO mortality tables have been adopted by most state insurance departments to allow companies to use them in determining the premiums they should be charging for their life insurance policies.@media(min-width:0px)#div-gpt-ad-goodfinancialcents_com-banner-1-0-asloadedmax-width:580px!important;max-height:400px!important
Remember though that even these life expectancy charts are used differently by different life insurance companies.
We can provide you with several life insurance company reviews such as Banner Life Insurance for you to learn more about what each company has to offer, so make sure to check those out as well!
Many people put off buying life insurance because it doesn’t seem to be an immediate need or priority to fit in the family budget.@media(min-width:0px)#div-gpt-ad-goodfinancialcents_com-large-leaderboard-2-0-asloadedmax-width:300px!important;max-height:250px!important
Here are 3 critical reasons to apply for life insurance now and to not put it off any longer:
You really aren’t getting younger. As just mentioned above, as you get older your rates are going to increase. The best day to buy life insurance is today.
If you don’t have any major health conditions that would cause your life insurance rates to be surcharged, get your life insurance now while you are in good health. If you do have medical conditions, get your life insurance now before your health gets worse. If it improves later, then you can always reapply for lower rates.
You never know what the future holds. Take care of your loved ones now and go ahead and check “buying life insurance” off your list. Whether you end up getting quotes from us (Compare Rates form on the right), or from someone else, go ahead and do it.
Now, let’s discuss issues based on various ages. We will first start with the Millennials……
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Life Insurance for Your 20s
In your 20s, life insurance is inexpensive and easy to get. At this age, you can expect an enormous number of term life options at affordable prices. By getting life insurance at this early stage, you can protect a young and growing family from financial hardships and do so inexpensively.
Going ahead and buying life insurance now is a great decision to make at this young age. It is better than waiting until you are older, possibly having health issues and having to look into the option of life insurance without a medical exam, which is defaulted to a higher rate because of the poor health you may have at older ages. Starting young and healthy is the way to go!
Depending on your income and family budget, you could consider both permanent life insurance or inexpensive term life insurance.
If you don’t have children or large assets to protect, choose a policy of at least four times your annual income. If you do have children, the number of children, your spouse’s income and your other debts should all factor into the amount of insurance you purchase.
Read more on buying Term Life Insurance in Your 20’s
Life Insurance for Your 30s
In your 30s, you likely have a family and assets that need to be protected with a life insurance policy. Your income may be higher during this period, necessitating a larger policy to meet bigger financial needs. Some life insurance buyers purchase a second policy in their 30s to supplement the policy bought in their 20s.
If this is your first time to purchase term life insurance, be sure to get enough to cover your family’s needs and to pay off your home and other large debts. A general rule is to purchase at least 10 times your annual income, and in your 30s this is generally an affordable option.
@media(min-width:0px)#div-gpt-ad-goodfinancialcents_com-leader-1-0-asloadedmax-width:728px!important;max-height:90px!importantThis amount of death benefit may seem to be higher than what you would normally consider, however, if you lose one of your family incomes due to death, there would be a huge financial pressure to try and make up the difference, or either the surviving spouse would have to drastically reduce expenses.
The mortgage still needs to be paid, most kids still need to go to college, there would be funeral expenses, etc. Speaking of mortgages, we typically do not recommend buying mortgage life insurance from the letters you get in the mail from life insurance companies just after you have refinanced your house, for example.
They are usually overpriced. You can normally get much better rates by using our Compare Quotes tool as we compare rates with many different insurance companies.
During these years would also be a good time to consider a permanent life insurance policy, which begins to build some cash value. This would be a good discussion question for your life insurance advisor.
By your 40s, you likely have significant assets to protect. If you have not bought a life insurance policy yet, it’s important to do so before the rates rise even more in your 50s or future health conditions, such as diabetes, make it more difficult to get insurance.
Financial experts agree that even if you already have a policy in place, your 40s is a good time to sit down with your finances and reevaluate your insurance needs. You may find that you need a supplemental policy to take care of new responsibilities that weren’t present in your 30s.
With today’s economy and lifestyles (increase in divorce rates), many individuals and families are still deep in debt. This is not a time to be slack in taking care of potential financial disasters (such as the loss of a spouse and their income), but rather a time to take care of life insurance needs.
Read more on buying Term Life Insurance in Your 40’s
Life Insurance for Your 50s
As you enter your 50s, you will have different insurance needs than you did in years past. You may have grown children who can provide for themselves. Your house may be paid off, and you may need to cancel that mortgage insurance policy if you had one.
However, there are still many expenses that a term life policy can assist your family with paying. A term policy can be used to fund a trust, to provide your family with inheritance and to provide a liquid asset for your estate. Life insurance will be more expensive at this age, and that expense will go up if you have significant health problems. However, even at the increased rates, term life insurance is still an affordable insurance option.
You may find yourself at this point either experiencing or have experienced the loss of a parent or loved one, and personally now understanding the financial aspects of that event whether good or bad.
@media(min-width:0px)#div-gpt-ad-goodfinancialcents_com-large-mobile-banner-1-0-asloadedmax-width:336px!important;max-height:280px!importantIf you have experienced that situation, you will have found out that life insurance proceeds are handled outside Probate Court, and are much easier to deal with than all the other legal issues of handling someone’s estate.
One other important issue to consider during this stage of life is if you might have some type of business life insurance need. This could be from a Key Man life insurance standpoint, or maybe life insurance to fund a Buy-Sell contract between partners that own a business. Additionally, if you are a Sole Proprietor that owns a business, you might want to have a one-way Buy Sell arrangement with a friendly competitor.
Life insurance rates for business policies may generally be lower per thousand dollars of death benefit because usually these type plans having higher death benefits. Companies usually have “life insurance rate bands” and there are discounts as the death benefits get higher.
Any of the above business life insurance needs are very critical, and can also help a surviving spouse if you have some type of “business will”. A death of a spouse is a traumatic event, even if expected, so minimize the additional responsibilities that person may have to deal with as much as possible by prior planning.
Read More On Buying:
Life Insurance for Your 60s
In your 60s, you may not have dependents who need your income, but term life insurance can still provide a level of support for your loved ones in the future. If you don’t have enough death benefit coverage by the time you reach your 60s, purchasing a policy as soon as possible is vital.
Hopefully during these years most of your debt is reduced to a manageable level, college debts for your kids have been taken care of, and your main need for life insurance would be to help pay for final burial expenses, ongoing income to supplement social security benefits for a surviving spouse, as well as to provide a charitable gift for a local nonprofit you might be actively involved in.
If you wait until age 65, you will have far fewer insurance options. Some companies simply won’t sell a policy to anyone 65 or older. At this stage of life, you can expect rates to be more expensive, but they will still cost significantly less than whole life policies.
Read More On Buying:
Affordable Life Insurance Rates For Seniors
Even seniors age 80 need life insurance coverage. With advances in medicine and health care facilities, people are living much longer. Some of the needs for life insurance for seniors are the same as those mentioned for folks in their 60’s.
Rates for life insurance for seniors do not have to bust your budget, however. It’s still possible to get affordable life insurance as a senior citizen.
Many times there are medical issues that do cause life insurance rates to be higher than they are for those without medical conditions.
However, even with medical conditions, there are many good guaranteed life insurance policies for the elderly.
If you’re ready to see real pricing, get a life insurance quote now.
Inheriting a house with a mortgage requires making some decisions about what to do with the property. One option is to sell the home and pay off the loan with the sale proceeds. If you keep the home, you can assume the existing mortgage or refinance the loan. If you keep the home, you can live in it or rent it out. Your choices may be limited by the laws where you live. If the ownership of the house is split between one or more other heirs, you’ll have to consider their wishes. A financial advisor can help develop a plan to reach your personal financial goals.
Home Inheritance Basics
After someone passes away, a will can be used to bequeath property such as a private residence to a loved one. In the absence of a will, state laws may dictate where the property goes.
Often property or other assets inherited in this way goes through probate. When that happens, any debts owed by the estate must be paid off before assets are distributed to heirs. This means the mortgage has to be dealt with in some manner before the estate can be settled. State inheritance laws vary, so local requirements may limit your options.
Mortgage Inheritance Options
When you inherit a home with a mortgage, you’ll have two basic choices: sell it or keep it. Here are the pros and cons of each.
If you sell the home, you can use the proceeds to pay off the loan. If there is any money left after satisfying the lender, you can keep the cash as part of your inheritance.
Selling and paying off the loan relieves of you any responsibility to make future mortgage payments and keep up the property. And selling may be the only option if you share ownership of it with another beneficiary who wants cash. Taxes represent a potential complication. You may owe capital gains taxes on the money you receive after paying off the mortgage.
If you keep the home, you can assume the mortgage and start making payments. A federal law called the Garn-St. Germain Act generally requires lenders to let someone who has inherited a house assume an existing mortgage without getting credit approval or paying closing costs on a new loan. This can let you move into a place more desirable than you could buy on your own, in addition to possibly having pleasant memories associated with it.
Keeping the home gives you more options. You can live in the home if its location and other features meet your needs. Alternatively, you can rent it to tenants and, if the rent is more than the mortgage, collect passive income plus potential gains from price appreciation.
A major downside of keeping the property is that you have to make the mortgage payments, in addition to covering the taxes, insurance and other expenses. If you want to and can get approved for a new loan, however, you may be able to refinance the loan. Refinancing can let you take advantage of lower interest rates and possibly reduce the payments or, if you prefer, take cash out of the equity.
Potential Pitfalls
A lot of things can go right if you inherit a house with a mortgage. Some potential pitfalls to be aware of include these:
Negative Equity: If the house is underwater, meaning the outstanding balance of the mortgage is more than the property’s value, you won’t be able to sell it for enough to pay off the loan. Unless you can get the lender to agree to a short sale, you’ll still be responsible for the remaining balance.
Tax liability: Selling an inherited property and realizing a gain on it after settling the mortgage could create a tax obligation. The gain could even push you into a higher tax bracket so you’ll owe more on the other income you generate from work or investments.
Ownership costs: Repairs, maintenance, property taxes and homeowner association fees are some of the costs that can go with owning a home you inherit. Account for these costs before you decide what to do with the property.
Selling costs: Even if you sell the property, you’ll still have to pay a number of costs. These often include real estate agent commissions, closing costs and possibly repairs, among others. These costs will reduce the amount left after the transaction and can make the sale less appealing and worthwhile.
Picking the Right Approach
Deciding what to do when you’ve inherited a house with a mortgage involves balancing several considerations, including:
Your finances: Ask yourself whether you have the resources to keep making mortgage payments and maintaining the property.
Living situation: If you need a place to live and the inherited property suits your needs, it might make sense to assume the mortgage and move in.
Market factors: The real estate market in your area may suggest that it’s better to sell or rent than to keep the property and live in it.
Nostalgia: A family home could have pleasant memories or, for a variety of reasons, be someplace you’d prefer not to live.
Legal issues: If multiple heirs are involved, they might disagree about what to do with the property.
The Bottom Line
Inheriting a house with a mortgage presents options that need careful consideration. Selling the home and paying off the loan can relieve you of mortgage responsibilities. Alternatively, you can keep the home, assume the mortgage and either live in it or rent it out for passive income. State laws and the wishes of other heirs may limit your choices. Your finances, living situation, market conditions, emotions and legal issues will be part of the final decision.
Tips for Investing
Consider talking to a financial advisor before making any decisions about what to do with a home you have inherited. Finding a financial advisor doesn’t need to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can have free introductory calls with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
If you decide to sell an inherited home and pocket the cash, you may wonder what would happen if you invested the funds. SmartAsset’s Investment Return & Growth Calculator can give you an answer. Input the amount you’ll invest, how much and how often you’ll make additional contributions to your initial capital, the anticipated rate of return and your investment time horizon in years. The calculator will tell you what your portfolio will likely be worth at the end of that period.
Mark Henricks
Mark Henricks has reported on personal finance, investing, retirement, entrepreneurship and other topics for more than 30 years. His freelance byline has appeared on CNBC.com and in The Wall Street Journal, The New York Times, The Washington Post, Kiplinger’s Personal Finance and other leading publications. Mark has written books including, “Not Just A Living: The Complete Guide to Creating a Business That Gives You A Life.” His favorite reporting is the kind that helps ordinary people increase their personal wealth and life satisfaction. A graduate of the University of Texas journalism program, he lives in Austin, Texas. In his spare time he enjoys reading, volunteering, performing in an acoustic music duo, whitewater kayaking, wilderness backpacking and competing in triathlons.
Have you ever been captivated by the ins and outs of real estate investing, declaring, “I could do that,” or even, “I want to do that,” but couldn’t pinpoint where to start? If so, you’re in luck because this Redfin article is tailor-made just for you.
Buying your first investment property has the potential to be an exhilarating and profitable adventure. However, let’s face it: the complex landscape of real estate investing can be intimidating without the right knowledge and guidance. But fear not. In this all-encompassing guide, we will unveil a treasure trove of expert tips and invaluable insights that will empower you to fearlessly navigate the process. From relationship building to conducting due diligence, you’ll be equipped with the knowledge and strategies to enter the world of real estate investing and buy your first investment property with ease. Let’s get started!
1. Learn from experienced investors
When it comes to real estate investing, there’s no better way to learn than from those already doing it. Learning from experienced investors can vastly build your understanding of how it works, beginning with market research and ending with either the sale or signing a tenant in your new rental. You can even learn from other investor professionals by identifying if there is a way you can help them.
“I hear many new investors say that they don’t feel they have anything to offer, but that is untrue,” says Kathie Russell, a board member of the North Carolina Real Estate Investors Association. “Everyone has something to offer. I guarantee that something you do in your day job or as a hobby will be helpful to somebody.” She adds that to begin building your relationships with investors is to find your local REIA. “These groups are an absolute must for new or aspiring investors. There you will meet your lenders, your mentors, your friends, and your advisors.”
2. Assemble your team
Building a reliable team of professionals who specialize in real estate investment can provide invaluable guidance and support throughout the process. Eric Feldman, SVP of Sales and Marketing at Longhorn Investments stresses the importance of knowing who your decision makers are regarding your investment strategy and process. Within the world of real estate investing, everyone is trying to secure the best deal, thus meaning properties move quickly – so having a team of trusted individuals in place is essential.
You should identify a knowledgeable real estate agent who understands the local market and can help you identify promising investment opportunities. Additionally, having a competent real estate attorney can ensure that your legal interests are protected during negotiations and contract signings. An appraiser will help identify the actual value of a property, which can help you avoid overpaying. Collaborating with an experienced property inspector can help identify potential issues and prevent costly surprises down the line. Lastly, establishing relationships with reputable contractors and property managers can streamline property renovations and day-to-day operations.
3. Rely on market data
When it comes to real estate investing, Doug Van Soest, founder of SoCal Home Buyers, wisely emphasizes the potential risks involved in buying an investment property. However, these risks can be mitigated by leveraging available data. Van Soest suggests conducting a thorough comparative market analysis (CMA) using the wealth of data at your disposal to understand the current state of the marketplace. By examining factors such as property prices, rental rates, vacancy rates, and historical trends, you can make informed decisions and alleviate some of the risks associated with real estate investments.
4. Consider area potential and long-term equity gains
Buying your first investment property doesn’t necessarily mean it will be where you reside. When considering where to purchase, you’ll want to think about a location’s potential and the possible long-term equity gains associated with the area.
Scott Jones, the economic development director for the city of Manor, Texas, proudly showcases his community as a shining example of a location’s potential. “Manor either has or is working to have it all as we speak,” says Jones. “Manor is only minutes away from everything Central Texas offers. This includes abundant, relatively inexpensive land for development, a high-quality education system, first-class public safety and utilities, mass transit to Downtown Austin, and much more.”
Manor, Texas, has seen significant housing growth year over year. In May 2020, the median sales price was $234,000; as of May 2023, the median sales price equals $350,000 (nearly a 50% increase YOY). Consulting with local experts and real estate agents can help identify up-and-coming areas that can play a pivotal role in creating high ROI opportunities.
5. Explore your loan options
When buying your first investment property, it’s essential to explore the available loan options. Understanding and comparing mortgages, government-backed loans, and private financing can greatly impact your financial success. Research and consult experts to make an informed decision that aligns with your investment goals and long-term stability.
Lender, HomeAbroad has a tip about Debt-Service Coverage Ratio (DSCR) loans “While conventional loans may require income and debt to income, DSCR loans evaluate the property’s income potential and cash flow to determine loan eligibility. DSCR loans do not consider investors’ income, making them ideal for investors seeking cash flow-driven investments.”
6. Perform your legal due diligence
Joshua Holt, the founder of Big Law Investors, urges real estate investors to understand the importance of conducting comprehensive legal due diligence before purchasing a property. Holt expands on this by saying, “check the title deeds to ensure there are no hidden encumbrances or disputes, review zoning laws and local ordinances to ensure that the property can be used as intended, and double check that all taxes are clear.”
“The last thing you want is to find out that local laws prevent short-term lease arrangements after you’ve purchased the property for that specific purpose,” says Holt. “Conducting legal due diligence before purchasing the property is important to ensure you protect your investment and avoid costly legal issues later on.”
7. Never buy a property without having an inspection
A home inspection is pivotal in identifying potential flaws within a property. Home inspections can also help determine an investor’s renovation budget and help alleviate newfound stressors throughout the rehab process.
Ronnie Jackson, general contractor of Austin Home Renovations, urges buyers to “never purchase a property without an inspection provided by a licensed real estate inspector.” Additionally, Jackson adds that you shouldn’t “complete your option period without having that inspection evaluated by a professional contractor.”
8. Don’t forget about taxes
Yes, taxes are a significant component of real estate investing. First, there are property taxes. Tony Trahan, a property tax consultant of KE Andrews, shares that “when buying a real estate investment property, one of the most critical factors during your due diligence or underwriting process is correctly modeling the property taxes owed going forward. In many states, this valuation determines your taxes and is highly negotiated.”
Capital gains tax is another tax to consider (and budget for), especially if you intend to sell your investment property. There are two forms of capital gains taxes, short-term and long-term. Short-term capital gains tax refers to the tax paid on profits from the sale of assets that have been held for one year or less. It is generally subject to ordinary income tax rates, which vary depending on an individual’s tax bracket. On the other hand, long-term capital gains tax applies to profits from the sale of assets held for more than one year. Long-term capital gains tax rates are typically lower than ordinary income tax rates, offering potential tax advantages for investors who hold their assets for an extended period. The specific long-term capital gains tax rates depend on the individual’s income level and the type of asset being sold.
9. Submit a competitive offer
When making an offer on your first investment property, you should be prepared to act swiftly and present a strong offer with attractive terms, such as a pre-approval letter, a substantial earnest money deposit, and flexibility on closing timelines. While it’s important to be competitive, it’s equally crucial to ensure that your offer aligns with your financial goals and allows for a profitable investment.
10. Get insurance coverage
Whether you’re in the rehabilitation stage of your home flip or are holding a property as a rental, you’ll want to be sure you’re adequately insured. Comprehensive property insurance should protect the structure, renovations, and fixtures, guarding against perils like fire, theft, and natural disasters. Liability insurance is crucial to cover potential lawsuits or claims by others for injuries or property damage. Builder’s risk insurance can safeguard against losses during construction or renovation, while rental property insurance is specifically designed for landlords, covering structures, liability, and rental income loss.
Pegram Insurance Agency elaborates on landlord policies, “which can help protect you financially in case of damage to your property or liability claims.” Understanding which coverage works best for your situation is critical; Pegram Insurance Agency adds that “there’s a big difference between renting to long-term tenants and renting on Airbnb/VRBO. Airbnb and short-term rentals require specific endorsements for additional coverage, so check with your insurance provider.”
11. Renting your property
If your investment strategy includes renting your property, Jordan Davey, digital marketing director of Victory Property Management, offers insights from mitigating rental risks to maximizing received applications. Davey highlights performing screenings on all applicants, reminding landlords to “not take rental applications for face value. Get income verification and be on the lookout for anything that may appear suspicious.”
Additionally, Davey recommends working with your real estate agent to price the property accurately. It’s important not to overprice a rental home, but equally important to not underprice. Do your due diligence and review accurate CMA data to determine a price best suited to your market’s demands.
A final note on buying your first investment property
In conclusion, purchasing your first investment property can be an exciting and potentially lucrative endeavor. By considering key factors such as market research, financial analysis, and seeking guidance from professionals, you can set yourself up for success. Remember to approach the process with careful planning, a long-term perspective, and a willingness to adapt as needed. So, take the leap, embrace the opportunities, and embark on your journey as a real estate investor.
People will always have preferences and something to say about celebrities. What you might love may not be the same for others. Whether it’s about their past behaviors, legal issues, or feuds with other celebrities, here is a list of celebrities people on Reddit just cannot stand.
Do you have some celebs on your list too? Maybe they’re here!
1. Ezra Miller
Miller is known for playing the Flash and has been in the headlines for his past behavior when he got into trouble with the authorities.
“My daughter was going name her second child Ezra, but we lucked out and she’s having a girl. I loved loved loved Perks of being a Wallflower, but I can’t get past him now as Patrick.” Another one shared emphasizing Miller’s role as the Flash “makes me sick that a person who’s done those terrible things could be portraying a superhero.”
2. Chris Brown
Who wouldn’t forget about what Chris Brown did to Rihanna in 2009? While it’s already been 14 years, some people don’t forget, especially RiRi’s fans. “Literally I don’t even know how his career wasn’t 100% destroyed after what he did to Rihanna,” one user stated. Another added, “I think she publicly stated she forgave him and still loved him and some people took that as a pass to forget”
3. Jake Paul and Logan Paul brothers
The Logan brothers have always been in the spotlight, and with it comes controversy. One Reddit user said, emphasizing Logan Paul’s WWE career, “It seems you haven’t realized yet, Logan only fights people older/past their prime (or even medium best)/out of shape/lighter weight, and even then they’re told not to win if they want the big payout.”
Another one replied, “And still made millions, the Paul brothers figured out how to market disdain.” The third commenter also added, “Over Xmas some obnoxious guy sat next to me on the airport tram. Singing out loud and giving off major bad energy. Then I hear a teenage girl say ‘omg are you Logan Paul?’ It was him alright.”
4. The Jenners
When talking about celeb controversies, who would miss The Jenners?
One person said, “The Kadarshians.” While these families are not entirely different, some consider them all the same. “Them too. They are all plastic so not a big difference,” another person agreed. “I find it interesting you said Jenner’s most people I know just say Kardashians and that includes the Jenner’s as well.”
5. Bill Cosby
Bill Cosby is famous for his show in the early 80s and 90s. He is also well-known for other controversial things, such as being charged with assaulting a 16-year-old girl. “Makes me so sad to agree. I hate what he did. He was such a wholesome TV Dad, along with his comedy sketches,” one person shared. “I’m getting more and more disgusted by the people around me. The fact that Bill already has shows lined up for him in 2023 makes me sick. So many people support and love terrible people & I’m just losing faith in our general public,” another Reddit user replied and agreed.
6. Kanye West
Having Kanye West around isn’t surprising. With his recent comment about Hitler, he can get on people’s nerves. “I never thought I would watch a black man paraphrase ‘Hitler did nothing wrong’ and make Alex Jones look reasonable. And yet here we are.” Finally, one person added, “Kanye needs to get on meds BAD.”
7. Ellen DeGeneres
One Reddit user said, “I knew there was something creepy about her pretend acting happiness. She wasn’t even good at it. I never understood how people didn’t see it or feel it.” That was when, BuzzFeed reported claims of sexual harassment, racial insensitivity, and bullying in 2020. Ellen’s show also come to an end when ratings continued to drop. Another person added, “I’ve heard alot of bad stories about her. She treats people like crap alot of times including her staff.”
8. Nancy Grace
Nancy is known for her show, which talked about current events and celebrity headlines every night from 2005 to 2016. She has also been involved in a few controversies that have led people to despise her. “She farted on TV and tried to blame the guy next to her,” one Reddit user remembered. Another one replied, “Nancy Grace is scum, she exploited families left and right, families who had loved ones gone missing or killed. She interviewed a woman whose kids was abducted, Nancy dragged through the coals so bad, the woman ended up taking her life after she did that interview.”
9. Machine Gun Kelly
Colson Baker or Machine Gun Kelly don’t also escape from controversies. One Reddit user said,
“He got dissed so bad by em he had to switch genres.”
“He switched, then he decided dissing Slipknot was a good idea,” said another.
10. Andrew Tate
Andrew Tate’s controversy has been making headlines recently following his arrest. He is accused of many things—human trafficking, misogynistic remarks, and bad behavior. “i hate andrew tate as much as most sane people but it is still innocent till proven guilty,” said one person. “You know he confessed to doing everything he’s been arrested for, right? Like it was right on his website. In his own words,” another one replied.
Source: Reddit.
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