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☆ A Seattle-based real estate investor who has 'never lost money on a deal' explains exactly what he's looking for when buying property. 'I say no to 99.5% of deals.'
▼ + stars: | 2022-11-05 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

Seattle-based real estate investor Todd Baldwin is picky when it comes to selecting properties to buy. "It's not because I'm afraid of the market or because I'm bearish on real estate," he emphasized. It's worth noting that multi-family properties aren't prevalent everywhere. That's what Baldwin did with most of the single-family properties he's owned over the years. If it's a house I'm renting out by the bedroom, I want one parking spot for every rentable bedroom.

But rental real estate isn't a part of their long-term plan. The couple also bought a move-in-ready condo in Marietta, Georgia, in 2014 for additional rental income. Below, the six reasons the Saunderses sold their properties, and why they're relieved they weren't landlords at the height of the pandemic. The couple soon started to notice that their creator income surpassed their income from rental properties. Seeing how much they could earn as creators, it just didn't make sense to keep pouring their energy into managing rental properties.

My wife and I had about $20,000 of student loans and car debt when we got married. We decided to use the debt snowball method to pay it all off but realized we needed to earn more. 15% of our take-home pay was going to student loans and car payments, and we were just paying the bare minimum. Our student loan debt was a collective $12,000 and the rest was car debt. Having seen the debt snowball and debt avalanche methods laid out, we opted for a snowball approach to take advantage of the early wins for motivation.

☆ Home Depot's famous giant skeletons keep getting stolen from front yards
▼ + stars: | 2022-10-28 | by ( Mary Meisenzahl | ) www.businessinsider.com time to read: +3 min

A skeleton Halloween decoration was reported stolen from a Chicago front lawn on October 13, The Chicago Tribune reported, amounting to $600 in losses. Home Depot's skeletons have been popular since they first launched, leading to record Halloween sales for the home improvement chain in 2020. The $300 skeletons sold out by the end of September, ahead of Halloween. In October of 2022, the skeletons remain sold out at Home Depot and getting one isn't easy. "We encourage all our customers that experience this to reach out to local law enforcement," Home Depot told Insider in a statement.

☆ My family's 10 savings accounts may seem like a lot, but they've helped us buy a car in cash, pay for emergency expenses, and easily cover holiday expenses
▼ + stars: | 2022-10-24 | by ( Rob Phelan | Read More | Read Less | ) www.businessinsider.com time to read: +7 min

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To determine how much house you can afford, think about your monthly payments and upfront costs. When buying a house, the general rule of thumb is that you should spend 28% or less of your gross monthly income on housing expenses. To calculate 28% of your monthly income, multiply your gross monthly income (that's your income before taxes) by 0.28. If you abide by the 28% rule, you can afford to spend up to $1,400 per month on your house, including your mortgage, interest, property taxes, homeowners insurance, and homeowner's association dues. Ways to boost your buying powerYour interest rate can make a big difference in how much house you can afford.

"The government wants to fix what it sees as the 'news-lisation' of social media," said one source familiar with the talks. "News-lisation", or báo hoá, is a term used by the authorities to describe the misleading of users into thinking that social media accounts are authorised news outlets. Authorities would be able to order social media companies to ban accounts that break those rules, they said. YouTube has 60 million users in Vietnam and TikTok has 20 million, according to 2021 government estimates, although Twitter remains a relatively small player. Sources told Reuters in April that the new rules, which were originally planned for July, reflected the government's dissatisfaction with social media platforms' take-down rates.

☆ I struggled to pay my mortgage during a personal financial crisis. Here's how I cut back on expenses and dug my way out of hardship.
▼ + stars: | 2022-09-27 | by ( Dustin Siggins | ) www.businessinsider.com time to read: +7 min

2018 was a tough year for Dustin Siggins and his family as they dealt with some financial strain. The US took home 23 medals from the Winter Olympics, unemployment was low, and global progress against poverty was accelerating. We'd also purchased our first home eight months earlier without a down payment, so we were technically under water on our loan. Second, my wife took on multiple part-time jobs while she was looking for a full-time job. But our personal financial crisis prepared us for navigating any time — good or bad.

Your HOA's master policy will cover some water damages, but you may be responsible for other water damages depending on the situation. Does condo insurance cover water damages? So you'll need condo insurance if you live in a condo or co-op, also known as HO-6. Flooding: Like a homeowners insurance policy, condo insurance does not cover water damages due to flooding. Like a homeowners insurance policy, condo insurance does not cover water damages due to flooding.

☆ This 29-year-old makes $400,000 per year and owns 3 properties: '5 things I refuse to spend money on'
▼ + stars: | 2022-04-19 | by ( Alexandra Fasulo | ) www.cnbc.com time to read: +2 min

Now, at 29, I have six streams of income — from freelance writing, influencer sponsorships, eBook sales, course sales, ad revenue and affiliate revenue. Like any member of the gig economy, I know I can't count on making this much money forever. So while I sometimes splurge on food, entertainment and travel, I otherwise save and invest aggressively to boost my net worth. To live my dream life and still save most of what I earn, here are five things I refuse to spend money on:1. Not only do I save money this way, but I'm also helping the environment by donating all of my unused clothes to Goodwill.

☆ Cel puţin cinci morţi şi o persoană dispărută, după inundaţiile din Vietnam
▼ + stars: | 2020-12-01 | by ( Publika.Md - Aici Sunt Știrile | ) www.publika.md time to read: +1 min

Printre victime se numără un bărbat şi cele două fiice ale sale, în vârstă de 8, respectiv 11 ani. Ei au fost luaţi de ape luni seara, în timp ce traversau un pârâu, a anunţat comitetul naţional pentru operaţiuni de căutare şi salvare. Corpurile lor au fost găsite la aproximativ un kilometru distanţă, scrie agerpres.ro Autorităţile din provincia Lam Dong au găsit trupul uneia dintre două turiste date dispărute după ce au fost surprinse de o viitură în timp ce traversau duminică un pod suspendat. Echipele de intervenţie o caută în continuare pe cealaltă femeie dispărută.În altă regiune, o femeie a murit electrocutată după ce casa în care se afla a fost inundată în urma ploilor, în provincia Khanh Hoa, au declarat autorităţile locale.Zonele din centrul Vietnam au fost afectate de ploi torenţiale începând de sâmbătă. În unele regiuni au fost înregistrate cantităţi de precipitaţii de 190 milimetri în ultimele trei zile, a indicat Centrul Naţional de Prognoză Hidrometeorologică.Inundaţiile şi alunecările de teren au provocat decesul a 372 de persoane din ianuarie până în decembrie şi pagube în valoare de 1,65 miliarde de dolari, potrivit Biroului General de Statistică din Vietnam.

Organizations: Statistică Locations: Lam Dong, Khanh Hoa, Vietnam

☆ When homeowners associations were first created, they helped keep Black people out of the neighborhood. They're still doing it today.
▼ + stars: | 2020-09-18 | by ( Mariette Williams | Stephanie Hallett | Read More | ) www.businessinsider.com time to read: +8 min

Today, HOAs are majority white and Asian, and Black homeowners say they experience targeted discrimination and harassment by their HOAs. Black homeowners say they're targeted by HOAsWhile the federal Fair Housing Act was passed in 1968, prohibiting racial discrimination in the sale and rental of homes, HOAs still find ways to exclude or discriminate against Black homeowners. HOA discrimination can also look like preferential treatment of white homeowners. While some accusations of HOA discrimination can be considered circumstantial, many HOAs still have "racially restrictive" language in their documents. Homebuyers may not have the funds to hire a lawyer, and HOA discrimination is often hard to prove.

Persons: —, Jonathan Rothwell ,, HOAs, Melchior Julien, HOA, Julien, Rose Vincent, Vincent, Xers, Rothwell, Banning Organizations: Service, HOAs, Greenville News, HOA, Business, Americans Locations: HOAs, HOA, South Carolina, Florida, Tallahassee, South Florida

☆ This 37-year-old makes $100,000 in Austin, but lives in his truck and rents his condo for extra money
▼ + stars: | 2020-03-07 | by ( Emmie Martin | ) www.cnbc.com time to read: +7 min

"The primary reason I wanted to buy a condo is because rent fluctuates," he tells CNBC Make It. CNBC Make ItSo in 2017, Dishongh purchased his first home, a 600-square-foot one-bedroom condo in Austin, Texas. 'Whenever I feel like it, I can just hop back there and have a mini adventure'Originally, Dishongh wanted to live in a van full-time, travel the U.S. and work remotely. He realized that it made more financial sense for him to take on a fixed mortgage payment, rather than watch his rent continue to rise. The low down payment allowed him to funnel more money into renovating his new place from top to bottom.

But even though she only pays $600 a month for rent, she still plans to buy a house with higher costs in the next five years because she wants to feel like she's really home. (Two years ago, I left that job and was able to move back into my friend's home for the job I'm in now, as a magazine editor in the superyacht industry.) If all goes according to plan, we will save up enough money to buy a house within the next five years. After the wedding takes place, we'll save between $1,000 and $1,200 each month to put towards a house. But I have also lived the easygoing life of a renter and it's been an ideal scenario for me.

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