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☆ Most Americans who want to buy a home next year can't afford a 20% down payment
▼ + stars: | 2023-09-20 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +4 min

Most Americans who plan to buy a home next year can't afford a down payment, according to Zillow. There aren't enough homes on the market for everyone who wants to buy one, Zillow said. AdvertisementAdvertisement"There are about 54 million Americans who said they intend to buy a home — that represents 34 million unique households," Garcia said. Down payment requirements can range from 0% to more than 20%, Insider previously reported, and in America's 20 biggest cities, a 20% down payment ranges from $39,859 in Oklahoma City to $260,849 in San Jose, California. During 2023, the majority of people who successfully got a mortgage put down 20% of the cost of the home, according to Zillow.

Persons: Zillow, Manny Garcia, Zillow's, Garcia Organizations: Service, Zillow Locations: Wall, Silicon, Oklahoma City, San Jose , California

☆ Why the middle-class is being permanently priced out of Miami
▼ + stars: | 2023-09-18 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +5 min

More apartments are being built in Miami than anywhere else in the US, the Wall Street Journal reported. Get the inside scoop on today’s biggest stories in business, from Wall Street to Silicon Valley — delivered daily. Now, "the Florida housing market is undergoing a restructuring as a result of the work-from-home phenomenon," housing expert Jonathan Miller told Insider. Particularly in South Florida, it's a sign that these wealthier newcomers — mostly from the northeast — have permanently altered Miami's housing market, Miller said. For wealthier newcomers who moved from the northeast, Miami luxury housing is actually comparatively cheap, Miller said.

Persons: Jonathan Miller, Miller, Daryl Fairweather, Rich, Eli Beracha, Mercedes Cabrera, WPTV Organizations: Wall Street Journal, Service, Wall Street, Redfin Corp, Bloomberg, Hollo, Real, Florida International University, Dade, Street Journal Locations: Miami, Wall, Silicon, Florida, South Florida, Real Estate, Manhattan, Broward, Palm Beach, Hileah, Dade County, Southeast Florida

☆ I'm an American who moved to Paris, and I'm never coming back. Healthcare is one reason why.
▼ + stars: | 2023-09-16 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +6 min

Amanda Rollins, 34, moved from Massachusetts to Paris six years ago. I I kept studying French all through school: I was in AP French in high school, and president of the French club. Amanda Rollins Courtesy of Amanda RollinsI'm in the process right now of asking for citizenship. AdvertisementAdvertisementWe have free healthcare here, so since I've moved here, my health is no longer a budget item for me. Amanda Rollins in Paris.

Persons: Amanda Rollins, Rollins, France, Amanda Rollins I'm, I've, Amanda Rollins That's, — I'm Organizations: Service, AP French, Paris Locations: Massachusetts, Paris, Wall, Silicon, France, Seine, Europe, Barcelona, Italy, Canary Islands, Boston

☆ The 10 best US cities for starting a family and raising kids while having access to healthcare and the outdoors
▼ + stars: | 2023-09-13 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +2 min

US News & World Report compiled the best places for families to live across America. All are nature-filled and have ready access to healthcare — things homebuyers are keen on. The list takes into account factors like the quality of education, crime rates, and healthcare. Crime rates and access to healthcare are often also important considerations for those looking to raise a family. Here are the 10 best places to move to this year if you have a family, according to US News & World report.

Organizations: Service, US News Locations: America . Huntsville , Alabama, Wall, Silicon, Albany , New York, Grand Rapids , Michigan

☆ YIMBY Movement Is Winning: Build More Houses, Lower Home Prices, Rents
▼ + stars: | 2023-09-07 | by ( Eliza Relman | Kelsey Neubauer | ) www.businessinsider.com time to read: +15 min

The adherents of the "Yes In My Backyard," or YIMBY, movement believe that America's housing crisis comes down to the fundamental tension between supply and demand. Today, nearly 75% of residentially-zoned land in the US is restricted to single-family housing — detached homes designed for one family. Folks are like, 'Oh, we're in a housing crisis for the very first time. Ground zero for the modern YIMBY movement was California, where sky-high home prices forced people to reconsider their attitudes toward development. The city didn't allow new multiunit buildings to be taller or wider than the single-family homes they replaced, making construction less financially attractive to developers.

Persons: Nolan Gray, YIMBYism, Sonja Trauss, Trauss, YIMBYs, NIMBYs, Gray, I'm, —, Bill, They've, Tayfun Coskun, Muhammad Alameldin, Emily Hamilton, We're unwinding, Jenny Schuetz, Greg Gianforte, California YIMBY, Republican Sen, Todd Young, Democratic Sen, Brian Schatz, Eliza Relman, Kelsey Neubauer Organizations: San, San Francisco Bay Area, Urban Institute, Twitter, of Regional Planning, Public, Cato Institute, University of California, Berkeley Terner Center, Housing, George Mason University, Conservative, Brookings Institute, Republican, Todd Young of Indiana, Democratic, Hawaii Locations: California, San Francisco Bay, San Francisco, I'm, Los Angeles County, Florida, Utah, Minneapolis, Oregon, Austin, Dallas, Seattle, Portland , Oregon, Denver, New York, Texas, YIMBYism, We're, Bozeman, Montana, Miami

☆ I'm 25 and live on a 30-foot sailboat in Southern California. It's much easier than I thought it would be and costs $820 a month.
▼ + stars: | 2023-09-03 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +8 min

It's much easier than she thought it would be, and she plans to continue living there for years. People are always concerned about us when it's raining — but rain on the boat really isn't a challenge. It's a little uncomfortable because everything's wet, but aside from that we actually really like being inside the boat when it's raining. AdvertisementAdvertisementBut the challenges are actually really fun. Before I would have thought, "Well, I don't know if I'm going to be able to pull that off.

Persons: Mikaella Taylor, Taylor, Brandt, Mikaella, It's, Mikaella Taylor We're, it's, I've, Lexi Johnson, That's Organizations: Service Locations: Wall, Silicon

☆ We transformed a van into a luxe home inspired by Tulum architecture. Now, we're going to use what we learned to build a tiny-home village in Mexico.
▼ + stars: | 2023-08-29 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +9 min

It was their first van build, and it took them four months to complete. No building experience; no van experience. The mix of concrete and dark wood — a style that is pervasive in Tulum — inspired the couple's van design. AdvertisementAdvertisementThe top comments we're getting are "best van design ever," or "most unique van design ever." We really, really connected with how beautiful it was and how it had an amazing surf scene.

Persons: Edden Ram, Nicole, —, San Diego —, hasn't, We're, Gabriela Tulian, it's, Edden Ram It's, we've, Mexico Nicole, Ram Organizations: Service Locations: Saladita, Mexico, Wall, Silicon, San Diego, Lake Tahoe, Tulum, Bali, It's

☆ California gave us $40,000 to turn our garage into a tiny home. There was a lot of paperwork, but it lets us live next to our grandkids.
▼ + stars: | 2023-08-28 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +7 min

Daniel Romo, 61, and his wife Kristin, 63, got a $40,000 grant from California to build an ADU. Dan: We live in Whittier in Southern California and we just transformed our garage into an accessory dwelling unit. At that time, the only way you could get the grant was you had to go through a state-approved vendor. Thursday, Friday, and Saturday, our middle daughter and son-in-law and grandson moved in — my daughter's second child was due any day. They were determined that they were going to bring their daughter home to the ADU, not to our house.

Persons: Daniel Romo, Kristin, Dan, Kristin Romo, Kristin Romo Kristin, YouTube — Ryan O'Connell's, Ryan, Kristin Romo Dan Organizations: Service, YouTube, HPP Locations: California, Wall, Silicon, Whittier , California, Whittier, Southern California, New Hampshire, —

☆ I moved from Boston to rural Kansas last year. It's so much cheaper but I miss the pace of city life, access to healthcare, and people to work with.
▼ + stars: | 2023-08-27 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +9 min

Lauren Savoie, 34, an editor at Insider, moved from Boston to Kansas, with her husband, 36. After trying a rural life, Savoie has decided she is a "city kid," and plans to move to New York City next year. So, a little over a year ago, we moved to Manhattan, Kansas, where the university is. The Salina Regional airport, left, is an hour away from Manhattan, Kansas. Healthcare, even in the case of an emergency, was much harder to find in Manhattan, Kansas than it was in Boston.

Persons: Lauren Savoie, She's, I've, Kansas Eddie Brady, I'd, I'm, it's, Lauren Savoie I've, we'll Organizations: Service, Kansas State University, Business, American Airlines, Salina Regional, Healthcare Locations: Boston, Kansas, Savoie, New York City, Wall, Silicon, Manhattan , Kansas, Oregon, Vermont, Manhattan, Chicago, Dallas, Salina, . Kansas, New York City . New York City, New York, Westchester, Midtown Manhattan

☆ Inside Tampa's plan to build more affordable housing as the city's popularity explodes
▼ + stars: | 2023-08-24 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +5 min

Get the inside scoop on today’s biggest stories in business, from Wall Street to Silicon Valley — delivered daily. Those worries are pushing the city to look for ways to get developers to build more housing — including affordable units, Tampa Mayor Jane Castor told Insider. In order to ease the hardships that some residents are facing, Castor said the city is incentivizing developers to increase housing supply generally. An influx of residents has helped drive up housing prices Tampa. Typically, such arrangements let builders move ahead with projects if development plans include affordable or workforce housing.

Persons: Jane Castor, somethings, Castor, it's, Walter Bibikow Organizations: Service, Tampa, Getty Images Locations: Tampa, Florida, Wall, Silicon, Austin , Texas, San Francisco, Rent.com, Clearwater Beach, Ixefra, Getty Images Tampa

☆ New York will pay homeowners up to $125,000 to build an ADU in their backyard to help ease the nation's housing shortage
▼ + stars: | 2023-08-22 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +3 min

New York allocated $85 million to pay homeowners for building ADUs in their backyards. The state has given out $23.4 million to go to homeowners from the Buffalo area to New York City. As of August 15, the Empire State has spent $23.4 million doing so, according to New York State Homes and Community Renewal, which is in charge of the funds. miller.photo for VillaMany cities, in New York and beyond, have eased zoning ordinances to allow homeowners to build additional living units on their property. In California — where the housing crisis is especially dire — the state legislature even overrode local zoning ordinances, to allow all homeowners to build on their property.

Persons: Jolie Milstein, Kathy Hochul, HCR, miller.photo, Milstein Organizations: Service, Empire State, New York State Homes, Community, New York State Association for Affordable Housing, of, Villa, California —, Spectrum Locations: York, Buffalo, New York City, Wall, Silicon, Ulster County, Amherst, of New York City, Westchester, San Jose, New York, California

☆ These states will pay you to build a tiny home in your backyard
▼ + stars: | 2023-08-21 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +5 min

Building backyard tiny homes can be expensive. There are three states that will help with the cost, by providing homeowners with grant money. These backyard homes, called accessory dwelling units, or ADUs, are small housing units that homeowners can build on their property. In California, where most backyard homes are being built, ADU building permits cost anywhere from $450 to $15,000 — even before construction starts, according to Backyard Unlimited, a company that builds ADUs. Insider reached out to all 50 states to learn which pay homeowners to build ADUs.

Persons: you've, there's, Joyce Higashi's ADU, Kelsey Neubauer, Vermonters Organizations: Service, Backyard, Department, California Housing Finance, California Housing Finance Agency New, AMI, York State's Homes, York State Homes, Community Renewal, Champlain Housing Trust, Community Development, Windsor Housing Trust, Vermont Housing, of Housing, Community Locations: Wall, Silicon, California, California Housing Finance Agency New York, Monroe , New York, Hudson, New York City, Onondaga County, Syracuse, York, Community Renewal Vermont, Burlington , Vermont, Vermont, Champlain, Western Vermont, Windham, Windsor

☆ You can live like a coastal grandmother in Diane Sawyer's 20-acre Martha's Vineyard estate for $24 million — see inside
▼ + stars: | 2023-08-19 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: 1 min

The coastal grandmother aesthetic started as a TikTok trend, and has been all the rage since last summer. It's inspired in large part by Diane Keaton's character in the Nancy Meyers movie "Something's Gotta Give." Diane Keaton in the Nancy Meyers movie "Something's Gotta Give." Warner Bros. Pictures/Columbia PicturesThe coastal grandmother trend is defined by light-filled, bright interiors; neutral colors; beaches; and florals. Fans of Nancy Meyers movies including "The Holiday" and "It's Complicated," which are often praised for the aspirational homes they depict, may be particularly drawn to the property.

Persons: It's, Diane Keaton's, Nancy Meyers, Diane Keaton Organizations: Warner Bros . Pictures, Columbia

☆ A tiny homes village, where rent is under $300 per month, is being developed to help people experiencing mental illness
▼ + stars: | 2023-08-17 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +5 min

A tiny-home village in North Carolina is being built for people recovering from mental illness. The village will offer those that move into these homes — all of whom struggle with severe mental illnesses — with access to affordable housing, mental health services, and counseling. Mental health and housing go hand-in-hand, according to various studies. A blueprint for future affordable housing developmentsUltimately, Money-Garman hopes the program goes to show that building affordable housing for those in the most need is possible. "Affordable housing is not going to happen unless we all step in and be ready to donate our time or talent or treasure, or all three," she said.

Persons: Penny Lane, Thava Mahadevan, Mahadevan, Garman Organizations: Service, National Alliance, Mental, University of North, XDS, Inc, UNC's Center, Excellent, Health, Spectrum, Residents, Garman Locations: North Carolina, Wall, Silicon, Penny, Pittsboro , North Carolina, Chapel Hill, University of North Carolina, Pittsboro

☆ These millennials gave up traveling full-time and bought a 1970s cabin for $83,000. They spent a year renovating it into their light-filled, colorful dream home — see inside.
▼ + stars: | 2023-08-12 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: 1 min

They drove through all of the US and parts of Canada for nearly three years, including through the pandemic. La Push Beach, Washington. Erich Schultz/500px/Getty ImagesLa Push Beach on the Washington coast is Ginther's favorite place the couple visited. They wanted to buy a home in the Pacific Northwest, but couldn't find one in their price range.

Persons: Erich Schultz Locations: Canada, , Washington, Washington, Pacific

☆ Thinking of building an ADU in your backyard? Here are some pros and cons.
▼ + stars: | 2023-08-07 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +6 min

Backyard tiny homes are increasing in popularity, especially in California. If you're considering building a tiny home in your yard, here are some pros and cons to consider. San Jose homeowner and ADU advocate Joyce Higashi rents her backyard home to traveling nurses for $3,000 per month, she previously told Insider. Pro: Tiny homes can allow a child or elderly parent to remain nearbyAn ADU in Seattle. Selma Hepp, chief economist at CoreLogic, previously told Insider she ran into many challenges when building her ADU.

Persons: it's, Glenn Robinson, Robinson, Joyce Higashi, Eugene Chu, Peter Bohler, Cindy Loughridge, Seth Restaino, Redfin, Higashi, Selma Hepp, Abodu, George Beatty, Realtor.com Organizations: Service, National Association of Realtors ., California Housing Works, Pew Research Center, Terner Center, Housing Innovation, University of California, Villa Locations: California, Wall, Silicon, Sonoma ., National Association of Realtors . California, Redwood City , California, Jose, San Diego, Seattle, Bay, Sonoma, Golden, Berkeley, Philadelphia

☆ I'm a millennial who relocated to Tampa, where I run my own business. I don't see myself leaving anytime soon.
▼ + stars: | 2023-08-06 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +7 min

Joe Steilberg, 27, moved to Tampa with his business partner for a job during the pandemic. I founded Twos, a note-taking and organization app, with my co-founder Parker Klein, before we moved to Tampa . Tampa, Florida. Until someone plugged us into this community called Embarc collective, it's a startup community with 150 startups. Not only for myself, but as an investment, because I am really, really bullish on Tampa, and I think that it will have a similar growth to Miami.

Persons: Joe Steilberg, I've, Parker Klein, Austin, Steilberg, COVID, Let's, Tampa, It's, you'd, we're Organizations: Service, University of South, Tampa Bay Ventures, Dallas, Florida, Google, Clearwater, University of Tampa Locations: Tampa, Florida , South Carolina, Texas, Wall, Silicon, Florida, Atlanta, Miami, Jacksonville, University of South Carolina, Austin, Austin , Texas, Dallas, benedek, Tampa , Florida, East, walkable, San Jose, Tampa Heights, Clearwater Beach, Ixefra, We're, Europe

☆ California could pay homeowners $40,000 to build a tiny home in their backyards. It's 'vital,' for increasing the housing supply in the state, one expert said.
▼ + stars: | 2023-08-02 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +3 min

California set aside $50 million in the state budget for homeowners building backyard homes. The cash plays a "vital," part of the state's ability to increase housing supply, one expert said. The state is short 2 million homes, and many experts think ADUs can ease the issue. Through that previous program, homeowners received grants of up to $40,000 to develop at least one additional housing unit on their property. ADU financing is hard to findNearly 20% of all homes built in California are ADUs, according to data from the state's department of housing.

Persons: Gavin Newsom, Muhammad Alameldin, CalHFA, Alameldin Organizations: Service, Gov, University of California, Berkeley Terner Center, Housing Innovation, Los Angeles Times Locations: California, Wall, Silicon

☆ This tiny home built in a Seattle backyard was designed to maximize sunlight in one of the rainiest cities in America — see inside
▼ + stars: | 2023-07-31 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: 1 min

There have been a growing number of small flats, called accessory dwelling units, or ADUs, popping up in backyards in Seattle. An ADU in a Seattle backyard. Peter Bohler for CAST ArchitectureThis comes about four years after Seattle first rolled back restrictions on these units in 2019, in an attempt to ease the city's housing shortage. Source: Seattle Times

Persons: Peter Bohler Organizations: Seattle, Seattle Times Locations: backyards, Seattle, An

☆ Why the US should be more excited about tiny homes
▼ + stars: | 2023-07-29 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +9 min

While there is a lot of interest in tiny homes, it's too early to measure their success. Tiny homes, generally defined as homes under 1,000 square feet — compared with the typical US home size of 2,500 square feet — are a growing market for those seeking affordability, community, and simplicity. Tiny homes — and accessory dwelling units, their slightly larger counterpart — are being eyed as a solution to the country's housing shortage. A tiny home designed and built by Colorado-based tiny home developer, Mitchcraft Tiny Homes. Tiny homes are "a spear point against the armor" to these restrictions, he added.

Persons: Katie Sandoval, Clark, Blue Wells, you've, Skylar Olsen, Zack Giffin, Giffin, Louise Beaumont, Getty, Rebecca Zisser, Muhammad Alameldin, Gavin Newsom, Joyce Higashi, Tiny, Newsom, Alameldin, It's, Barbara Clark, Sandoval Organizations: Service, Consumers, California, University of California, Housing Innovation, state's Department of Housing, Gov, Washington D.C Locations: California backyards, Wall, Silicon, Bay, Blue, South Carolina, New Hampshire, San Diego, Denver, Portland, Cities, Indianapolis, Austin, Colorado, California, ADUs, Jose, While California, —, Washington, Jersey, Sonoma .

☆ Tampa is becoming a Gen Z hotspot. 5 recent arrivals share why the city's 'becoming the new Miami.'
▼ + stars: | 2023-07-27 | by ( Kelsey Neubauer | Alexandra York | ) www.businessinsider.com time to read: +12 min

Tampa, Florida, is becoming a popular place to move for younger millennials and Gen Zers. Below, why five 20-somethings moved to Tampa, in their own words, edited for length and clarity. Tampa has grown since I've moved here, and I think it's only going to get bigger. Noelle Lane, 23Nicole Lane Courtesy of Nicole LaneJob: Kindergarten teacherBefore Tampa: moved to Tampa at age 18 to attend collegeHome state: OhioI moved here in 2018 to go to the University of Tampa. I think Tampa is becoming a lot younger.

Persons: millennials, Zers, It's, somethings, Chris Brown, Chris Brown Job, Dylan, I've, I'd, —, Noelle Lane, Nicole Lane, That's, Alexander Signori, it's, Joe Steilberg, Parker Klein, Let's, Laura Treche, There's Organizations: Service, Tampa, Chicago Home, Home, University of Tampa, Attended Florida State University, Tech, Riverwalk Locations: Tampa, Florida, Wall, Silicon, Tampa , Florida, Miami, TikTok, Austin, San Francisco, Tallahassee , Florida ; Massachusetts, Ohio, Massachusetts Tampa, I'm, Massachusetts, Chicago, California, LA, Los Angeles and New York, Sarasota, Bayshore, Tallahassee Hometown, South Florida, Charlotte , North Carolina, Northeast Boston, Denver, Seattle . Tampa, Texas, Jacksonville, Dallas, Hyde, Orlando, Tallahassee, Durham , North Carolina . North Carolina, St, Clearwater

☆ Pink is in, thanks to 'Barbie.' Here are 5 pink homes for sale that the Barbiecore-obsessed will love.
▼ + stars: | 2023-07-25 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: 1 min

Barbiecore is 2023's hottest design trend, thanks to Greta Gerwig's "Barbie," starring Margot Robbie as the famous doll. Margot Robbie as Barbie. Warner Bros. The namesake design trend is maximalist and feminine. It features bold pink hues and often a dash of a metallic sparkle.

Persons: Greta Gerwig's, Barbie, Margot Robbie, Warner Organizations: Warner Bros

☆ Meet Ethan, an AI robot helping real estate companies decide what properties to buy
▼ + stars: | 2023-07-20 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +3 min

A generative AI tool is designed to help real estate firms decide which properties to buy and sell. The AI tool does the work of a real estate analyst. It then drafts memos recommending which properties real estate companies should buy and sell, Sahil Rattan, Termsheet's chief operating officer, told Insider. The client is looking to snap up commercial real estate properties whose prices have cooled from just a few years ago. Since the AI tool ChatGPT went live to the public in November, businesses in nearly every industry have been racing to capitalize on AI.

Persons: Ethan, Termsheet's, That's, Roger Smith, Smith, Airbnb, Brian Chesky, Chesky, ChatGPT Organizations: Service, RSM Locations: Wall, Silicon

☆ You can live like the Duttons from 'Yellowstone' on this ranch near Bozeman on sale for $40 million — see inside
▼ + stars: | 2023-07-18 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: 1 min

It's located 30 miles northwest of Bozeman, Montana — the Rocky Mountain ski town that out-of-staters flocked to during the pandemic. A shot of the mountains in Bozeman. Shutterstock/Brian A SmithIt's also just an hour-and-a-half drive to Yellowstone National Park, where the eponymous show takes place, per Google Maps. Source: NBC

Persons: It's, Brian A Smith It's Organizations: Yellowstone, NBC Locations: Bozeman , Montana, Bozeman . Shutterstock

☆ More people actually moved out of Florida than New York or California in 2021
▼ + stars: | 2023-07-11 | by ( Kelsey Neubauer | ) www.businessinsider.com time to read: +2 min

While out-of-staters were flocking into Florida in 2021, 674,740 residents moved out. That's more than the total number of people that left California or New York that year. Those who moved out previously told Insider the state had become too unaffordable and crowded. An estimated 674,740 people reported their permanent address changed in 2021 from Florida to another state, according to the data. That's more than any other state, including New York or California, two states have gotten the most attention for outbound migration during the pandemic.

Persons: Thomas Barwick, Danielle Hale Organizations: Service, American Community Survey, Sunshine State, Getty, Texans Locations: Florida, California, New York, Wall, Silicon, Georgia . Texas, Texas

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