Thrive Well --- A fresh take on longevity, education and community.

 Hi, first and foremost thank you for taking the time to trust me to deliver information that I believe can be valuable to us all.  Coming out of the Pandemic I've been looking out for information that can help guide our day to day choices and investment decisions. One of the most informative finding is from the Federal Reserve. For those of us who don't know what the feds do I can sum it up to this: make sure that the economy of America is Healthy & Viable. The Feds have two Mandates: Maximum employment and Stable prices of goods, commodities and services (Economics). Before the Pandemic America was doing fine on a growth trend that stood for nearly a decade. As it stands now post pandemic, we are on a recovery stage from a Supply standpoint. Have you noticed any changes at the grocery store? Maybe Eggs, bacon and Gas prices increasing? If you have noticed any changes then guess what? You have an eye for INFLATION . Here's some raw numbers to give you an idea of what...

Hi. Like most people, I didn't have money saved for college and it took me until the end of my college experience to actually start paying back my student loans. I graduated with about $64,000 in student loan debt.  Ouch!  Is the appropriate term. I would advise anyone who is looking to get a college education to not make a costly decision as I did. Here's why; not only is that an insane amount of debt but student loan debt whether it's through the department of education or a Federal Perkins loan provided through the school - it accrues interest. Starting at 2.75% ranging all the way up to 5% if it's a Federal Perkins loan. When it's all said in done because of interest a borrower may end up paying an additional $20,000-$30,000  in interest ( interest  - Debt accrued on top of debt for a duration of money lent )   in addition to the original $64,000 taken out in student loan debt. Interest is and will always be an enemy of mine . I don't want you to be in bonda...

 Hi, I wanted to take some time to do an overview of Sacramento's real estate market. Sales have declined by 1.1% from the previous month. In comparison to last year sales are up 8.8%. Homes financed with Cash made up 9.5% of the market. Those stats slightly debunking the bay area myth, I say slightly because there's a good chance the buyer from the bay used cash mixed with a conventional loan to complete the purchase. Speaking of conventional loans, 68% of the buyers market in Sacramento are financing their purchase with an Conventional loan. Folling with FHA at 15% and VA making up 1.8%. Prices continue to rise. The median home price went from $438,000 to $439,950, an increase from .4%. In comparison to 2019, home prices have increased by 14.3%. Supply and demand is the cause of the continuing rise of home prices. Inventory, the amount of homes for sale have decreased .3%. In comparison to 2019, there is a decrease of 45% of homes available for purchase. In other words there ...

Fear, that ol ' feeling that gives butterflies and causes you to sweat profusely. I'm looking to overcome, conqueror, or better yet use fear as an indicator to better my life. Fear comes from survival mechanisms that we were born with. Today our chances of being eaten by a predator as compared to when we were being preyed upon are much less likely to happen. Today we live in a safer environment, and Fear can be counterproductive to our goals. Yet, we still get nervous when we meet new people when there's a new adventure that awaits us or not knowing what the future holds for us. Fear as I come to realize maybe the most important thing to conquer in one's life. The Buddha says 'all of life is suffering", most people are causing their own internal suffering due to external influences that they cannot control. I'm looking to use Fear as Fuel as indicated in the book written by Patrick Sweeney. Fear often points out the things which we need to take action towar...

 Hey, I wanted to take some time to share some of the key points in today's Real Estate market. Remember we're in one of the world's largest economies, CALIFORNIA. California has more to offer than sunshine, especially if your a homeowner or preparing to become one in the near future. I currently practice Real estate in Sacramento California. Here's what I've been noticing while helping clients buy their home, there is a lack of inventory in comparison to the buyer demand or should I word it as not enough homes for sale. We're seeing the number of homes on the market decrease each month. There's currently .7 months of inventory for sale, down from 1 month of homes for sale the previous month. That means that if everything shuts down today and people stop selling their homes - All of the homes in the Sacramento County would be Sold in less than 30 day s. This low amount of inventory causes prices to steadily climb. The median price for a home in Sacramento Ca...

Accessory Dwelling Units also commonly known as Granny Flats or In-Law Quarters were once popular in the 20th century. They are now gaining their popularity here in Sacramento after Governor Newsome signed a few bills acknowledging the shortage of homes on the market. Those bills went into effect on January 1st, 2020. A homeowner will now be able to occupy the main residence and generate income from the living space (Accessory Dwelling Unit) that's located on the same lot if he or she chooses. In my opinion, this empowers homeowners who now have the option to add or acquire an additional revenue source. There will always be people who will need a place to live (Especially an affordable place to live). The great thing about ADU's is that they can be comparable in size to, apartments and condominiums. ADU's can be much cheaper to construct than building a home. Since you'll have purchased the primary residence you won't have to worry about buying additional land,...

What is a Short Sale in Real Estate? A Short sell is selling a home for less than the loan balance on what you owe the bank for the home. The bank must agree to the short sale of the home. For example, the buyer goes to the bank to tell them the home was purchased for $200,000 and the down payment was $50,000. So there's a remaining loan balance of $150,000 but the market is willing to pay $120,000 for the home.  The individual looking to short sale the home tells them their hardship maybe a job loss or loss or spouse that has reduced income. The bank may be open to forgiving the remaining balance of $30,000 after the short sell. Borrowee should seek to not have this reported on their credit and may or not have to pay property tax on the remaining balance if it is forgiven. What is a Foreclosure property? When a homeowner falls behind on their mortgage payment and cannot reach an agreement with the bank through a Short Sell, Loan Modification or loss mitigation...