HeroSimplev3

beds

1 Bedroom

2 Bedroom

3 Bedroom

4 Bedroom

Buy a Home

Sell My Home

cost

Under $50k

$50k-$100k

$100k-$200k

$200k-$300k

$300k-$400k

$400k+

baths

1 Bath

2 Baths

3 Baths

4+ Baths

Rent

Sell

Everyone Deserves the Opportunity of Home

Exceptional Properties. Exceptional Clients.

2023 Real Estate Market Outlook (And What It Means for You) Last year, one factor drove the real estate market more than any other: rising mortgage rates. In March 2022, the Federal Reserve began a series of interest rate hikes in an effort to pump the brakes on inflation.1 And while some market sectors have been slow to respond, the housing market has reacted accordingly. Both demand and price appreciation have tapered, as the primary challenge for homebuyers has shifted from availability to affordability. And although this higher-mortgage rate environment has been a painful adjustment for many buyers and sellers, it should ultimately lead to a more stable and balanced real estate market. So what can we expect in 2023? Will mortgage rates continue to climb? Could home prices come crashing down? While this is one of the more challenging real estate periods to forecast, here’s what several industry experts predict will happen to the U.S. housing market in the coming year. MORTGAGE RATES WILL FLUCTUATE LESS In 2022, 30-year fixed mortgage rates surged from roughly 3% in January to around 7%. According to Rick Sharga of real estate data company ATTOM, “We’ve never seen rates double in so short a period.”2 This year, economists forecast a less dramatic shift. In an interview with Bankrate, Nadia Evangelou, senior economist for the National Association of Realtors, shares her vision of three possible mortgage rate scenarios:3 <ol type="1"><li>Inflation continues to surge, forcing the Fed to repeatedly raise interest rates. In that scenario, she predicts that rates could reach as high as 8.5%.</li><li>Inflation decelerates and mortgage rates follow suit, averaging 7 to 7.5% for the year.</li><li>Rising interest rates trigger a recession, which could ultimately lead mortgage rates to drop closer to 5% by the end of the year.</li></ol> Realtor.com forecasts something similar to scenario #2 above: “Mortgage rates will average 7.4% in 2023, trickling down to 7.1% by year’s end.”4 The Mortgage Bankers Association, however, projects something closer to Evangelou’s scenario #3, with the 30-year fixed rate declining steadily throughout the year, averaging 6.2% in Q1 and 5.2% by Q4.5 Economists at Fannie Mae fall somewhere in the middle. In a recent press release, they predicted that the U.S. economy will experience a “modest recession” this year.6 But in their December Housing Forecast, they project that 30-year fixed mortgage rates will only fall by half a point from an average of 6.5% in Q1 to 6.0% in Q4.7 “From our perspective, the good news is that demographics remain favorable for housing, so the sector appears well-positioned to help lead the economy out of what we expect will be a brief recession,” said Fannie Mae Chief Economist Doug Duncan.6 What does it mean for you? &nbsp;Even the experts can’t say for certain where mortgage rates are headed. Instead of trying to ”time the market,” focus instead on buying or selling a home when the time is right for you. There are a variety of mortgage options available that can make a home purchase more affordable, including adjustable rates, points, and buydowns—and keep in mind you can always refinance down the road. We’d be happy to refer you to a trusted mortgage professional who can outline your best options. SALES VOLUME WILL FALL AND INVENTORY WILL RISE It looks like the home-buying frenzy we experienced in recent years is behind us. While the desire to own a home remains strong, higher mortgage rates have made it unaffordable for a large segment of would-be buyers. Many economists expect the number of home sales to continue to decline this year, leading to an increase in listing inventory and days-on-market, or the time it takes to sell a home. But, there is a wide range when it comes to specifics. Economists at Fannie Mae forecast that total home sales will fall by around 20% this year before rising again by nearly 15% in 2024.7 National Association of Realtors Chief Economist Lawrence Yun projects a less extreme dip of 7% in 2023 with a rebound of 10% next year.8 Realtor.com Chief Economist Danielle Hale foresees something in between. “The deceleration in home sales is likely to continue as high home prices and mortgage rates limit the pool of eligible home buyers. We anticipate that existing home sales will decline another 14.1% in 2023.” She expects this drop in sales to lead to a nearly 23% increase in inventory levels this year, offering more choices for buyers who have struggled to find a home in the past.9 However, given the severe lack of housing supply, even with a double-digit increase, the market is expected to remain relatively tight and below pre-pandemic levels. Hale points out: “It’s important to keep historical context in mind. The level of inventory in 2023 is expected to fall roughly 15% short of the 2019 average.”9 What does it mean for you? &nbsp;If you’ve been frustrated by a lack of inventory in the past, 2023 may bring new opportunities for you to find the perfect home. And today’s buyers have more negotiating power than they’ve had in years. Contact us to find out about current and future listings that meet your criteria. If you’re hoping to sell, you may want to act fast; rising inventory levels will mean increased competition. We can help you chart the best course to maximize your profits, starting with a professional assessment of your home’s current market value. Reach out to schedule a free consultation. HOME PRICES WILL REMAIN RELATIVELY STABLE While some economists expect home prices to fall this year, many expect them to remain fairly stable. “For most parts of the country, home prices are holding steady since available inventory is extremely low,” said Yun at a November conference.8 Nationally, Yun expects the average median home price to tick up by 1% in 2023, with some markets experiencing greater appreciation and others experiencing declines.8 Economists at Fannie Mae offer a similar projection, forecasting a slight decrease in their Home Price Index of about 1.5%, year-over-year.7 Other experts foresee a larger fluctuation. Hale expects U.S. home prices to rise by 5.4% this year, while Morgan Stanley is forecasting a 7% drop from the peak in June 2022.9,10 Still, many economists agree that a housing market crash like the one we experienced in 2008 is highly unlikely. The factors that caused home prices to plunge during the Great Recession—specifically lax lending standards and a surplus of inventory—aren’t prevalent in our current market.10 Therefore, home values are expected to remain comparatively stable. What does it mean for you?&nbsp; It can feel scary to buy a home when there’s uncertainty in the market. However, real estate is a long-term investment that has been shown to appreciate over time. And keep in mind that the best bargains are often found in a slower market, like the one we’re experiencing right now. Contact us to discuss your goals and budget. We can help you make an informed decision about the right time to buy. And if you’re planning to sell this year, you’ll want to chart your path carefully to maximize your profits. Contact us for recommendations and to find out what your home could sell for in today’s market. RENT PRICES WILL CONTINUE TO CLIMB Affordability challenges for would-be buyers, inflationary pressures, and an overall lack of housing could continue to drive “above-average” rent price increases in much of the country.11 The Federal Reserve Bank of Dallas expects year-over-year rental price growth to tick up to 8.4% in May before moderating later in the year.12 According to Hale, “U.S. renters will continue to face challenges from limited supply and excess demand in the coming year that will keep upward pressure on rent growth. At a national level, we forecast rent growth of 6.3% in the next 12 months, somewhat ahead of home price growth and historical rent trends.”9 However, there are signs that the surge in rent prices could be tapering. According to Jay Parsons, head of economics for rental housing software company RealPage, there’s some evidence of a slowdown in demand. He predicts that market-rate rents will rise just 3.3% this year. Still, analysts agree that a return to lower pre-pandemic rental prices is unlikely.10 What does it mean for you? &nbsp;Rent prices are expected to keep climbing. But you can lock in a set mortgage payment and build long-term wealth by putting that money toward a home purchase instead. Reach out for a free consultation to discuss your options. And if you’ve ever thought about purchasing a rental property, now may be a perfect time. Call today to get your investment property search started. WE’RE HERE TO GUIDE YOU While national real estate forecasts can provide a “big picture” outlook, real estate is local. And as local market experts, we can guide you through the ins and outs of our market and the issues most likely to impact sales and drive home values in your particular neighborhood. If you’re considering buying or selling a home in 2023, contact us now to schedule a free consultation. We’ll work with you to develop an action plan to meet your real estate goals this year. The above references an opinion and is for informational purposes only.&nbsp; It is not intended to be financial, legal, or tax advice. Consult the appropriate professionals for advice regarding your individual needs. Sources: 
1.&nbsp;&nbsp;&nbsp;&nbsp; 
Forbes - <a href="https://www.forbes.com/advisor/investing/fed-funds-rate-history/">https://www.forbes.com/advisor/investing/fed-funds-rate-history/</a> 
2.&nbsp;&nbsp;&nbsp;&nbsp; 
Bankrate - <a href="https://www.bankrate.com/mortgages/will-mortgage-rates-go-up-in-december-2022/">https://www.bankrate.com/mortgages/will-mortgage-rates-go-up-in-december-2022/</a> 
3.&nbsp;&nbsp;&nbsp;&nbsp; 
Bankrate - <a href="https://www.bankrate.com/real-estate/housing-market-predictions-2023/">https://www.bankrate.com/real-estate/housing-market-predictions-2023/</a> 
4.&nbsp;&nbsp;&nbsp;&nbsp; 
Realtor.com - <a href="https://www.realtor.com/news/trends/2023-the-year-of-the-homebuyer-our-bold-predictions-on-home-prices-mortgage-rates-and-more/">https://www.realtor.com/news/trends/2023-the-year-of-the-homebuyer-our-bold-predictions-on-home-prices-mortgage-rates-and-more/</a> 
5.&nbsp;&nbsp;&nbsp;&nbsp; 
Mortgage Bankers Association - <a href="https://www.mba.org/docs/default-source/research-and-forecasts/forecasts/mortgage-finance-forecast-dec-2022.pdf?sfvrsn=b584bf7_1">https://www.mba.org/docs/default-source/research-and-forecasts/forecasts/mortgage-finance-forecast-dec-2022.pdf?sfvrsn=b584bf7_1</a> 
6.&nbsp;&nbsp;&nbsp;&nbsp; 
Fannie Mae - <a href="https://www.fanniemae.com/newsroom/fannie-mae-news/economy-still-expected-enter-and-exit-modest-recession-2023">https://www.fanniemae.com/newsroom/fannie-mae-news/economy-still-expected-enter-and-exit-modest-recession-2023</a> 
7.&nbsp;&nbsp;&nbsp;&nbsp; 
Fannie Mae - <a href="https://www.fanniemae.com/media/45801/display">https://www.fanniemae.com/media/45801/display</a> 
8.&nbsp;&nbsp;&nbsp;&nbsp; 
National Association of Realtors - <a href="https://www.nar.realtor/newsroom/nars-lawrence-yun-predicts-us-home-prices-wont-experience-major-decline-could-possibly-rise-slightly">https://www.nar.realtor/newsroom/nars-lawrence-yun-predicts-us-home-prices-wont-experience-major-decline-could-possibly-rise-slightly</a> 
9.&nbsp;&nbsp;&nbsp;&nbsp; 
Realtor.com - <a href="https://www.realtor.com/research/2023-national-housing-forecast/">https://www.realtor.com/research/2023-national-housing-forecast/</a> 
10.&nbsp;&nbsp; 
The New York Times - <a href="https://www.nytimes.com/2022/11/04/realestate/housing-market-interest-rates.html">https://www.nytimes.com/2022/11/04/realestate/housing-market-interest-rates.html</a> 
11.&nbsp;&nbsp; 
CNBC - <a href="https://www.cnbc.com/2022/09/28/how-much-higher-rent-will-go-in-2023-according-to-experts.html">https://www.cnbc.com/2022/09/28/how-much-higher-rent-will-go-in-2023-according-to-experts.html</a> 
12.&nbsp;&nbsp; 
Federal Reserve Bank of Dallas - <a href="https://www.dallasfed.org/research/economics/2022/0816">https://www.dallasfed.org/research/economics/2022/0816</a>

Real Estate Market Outlook for 2023

<div class="se-component se-image-container __se__float-right" contenteditable="false"><figure style="margin: auto;"><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20221228060359.jpg" alt="" data-rotate="" data-proportion="true" data-rotatex="" data-rotatey="180" data-size="," data-align="right" data-percentage="auto,auto" data-index="3" data-file-name="Agnet Helping Veterans 1.jpg" data-file-size="10805" data-origin="," style="transform: rotate(0deg) rotateY(180deg);"></figure></div>Home purchasing is a significant and often emotional life event for most people. For military veterans who have spent years moving from post to base, having a permanent residence might be a dream come true. And even though veteran homebuyers have access to a wide variety of programs and discounts designed to make the process less stressful and more manageable, the process of&nbsp;<a href="https://selling-sanantoniorealestate.com/military/" target="_blank" rel="noopener">buying a home as a veteran</a>&nbsp;is slightly different. It comes with its own set of unique challenges. So if you’re a veteran in the market for a new San Antonio home, it’s essential to know how to navigate the real estate market as a veteran, and that’s exactly what we’ll help you with here.<h2>How to easily navigate the real estate market as a veteran?</h2><div class="se-component se-image-container __se__float-left" contenteditable="false"><figure style="margin: auto;"><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20221228060804.jpg" alt="" data-rotate="" data-proportion="true" data-rotatex="" data-rotatey="" data-size="," data-align="left" data-percentage="auto,auto" data-index="4" data-file-name="Agent with veterans family 2.jpg" data-file-size="15766" data-origin="," style=""></figure></div>Military Veterans, especially those interested in obtaining a VA loan,&nbsp;face some distinctive challenges&nbsp;when it comes to the home-buying process. For instance, not all properties are eligible for VA loans, and not all lenders are conversant with the VA loan process. That’s why it’s important to do thorough research before even start browsing homes online.Because it can be difficult to navigate the real estate market as a veteran, we’ve consulted&nbsp;<a href="https://selling-sanantoniorealestate.com/military-real-estate-professional/" target="_blank" rel="noopener">experts in military real estate</a>&nbsp;and gathered useful strategies that will help you have a seamless and smooth experience. Now let’s get to work!<h3>#1 Have an experienced military real estate professional by your side</h3>It’s never a good idea to go house hunting on your own, even if you have some experience in it. An excellent real estate agent can help you navigate buying a home,&nbsp;from finding properties that meet your needs and budget to negotiating the purchase price and closing the deal.Working with a real estate expert is a strategy you don’t want to avoid, especially since you’re a veteran and the home-buying process comes with some specifics. That’s why it’s vital to hire an agent who has&nbsp;worked with veterans&nbsp;and has extensive knowledge of military real estate. Working with a professional familiar with the VA loan procedure is highly recommended because of the significant differences between VA loans and conventional mortgages.Having this in mind, it’s important not to rush your decision but thoroughly research San Antonio real estate agents and&nbsp;focus on the ones who specialize in working with veterans. Make sure to check out their&nbsp;<a href="https://selling-sanantoniorealestate.com/testimonials/" target="_blank" rel="noopener">client testimonials</a>&nbsp;and schedule a meeting with at least a few before making your final decision. It’s also a good idea to ask some of your former coworkers if they have someone to recommend.<h3>#2 Set a realistic budget</h3>Another important thing you should do is&nbsp;get your finances in order&nbsp;and determine your budget. It’s always a good idea to know how much you can afford before researching San Antonio listings online. This way, you can avoid potential disappointments, especially if you like the property and it turns out you can’t afford it.Also, remember that there are&nbsp;plenty of other costs related to buying a home. The purchase price is just one of them. Don’t forget the closing costs, and since you’ll be moving in Texas, there will be fees for hiring moving services, too. Why would you risk your safety or waste time when&nbsp;<a href="https://heavenlymove.com/services/" target="_blank" rel="noopener">experts can handle everything</a>&nbsp;at a very reasonable cost?<h3>#3 Understand the VA home loans</h3>Access to VA loans is the main difference between military real estate and standard one. Therefore, it’s important to understand what&nbsp;<a href="https://www.moneygeek.com/mortgage/va-home-loan/" target="_blank" rel="noopener">VA home loans</a>&nbsp;are and how you can make the most of them. The U.S. Department of Veterans Affairs guarantees a certain percentage of the loans made by private lenders to eligible veterans. In a nutshell, VA loans are&nbsp;government-backed mortgage loans that offer competitive interest rates and do not require a down payment.<div class="se-component se-image-container __se__float-right" contenteditable="false" style=""><figure style="margin: auto;"><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20221228060934.jpg" alt="" data-rotate="" data-proportion="true" data-rotatex="" data-rotatey="" data-size="," data-align="right" data-percentage="auto,auto" data-index="5" data-file-name="Understanding VA loans 3.jpg" data-file-size="11732" data-origin="," style=""></figure></div>If this is your first time buying a home, you can benefit greatly from VA financing. This type of mortgage has&nbsp;more lenient credit standards&nbsp;than a conventional mortgage, which is great news for folks who lack a lengthy credit history. Also, with a VA loan, you&nbsp;won’t have to pay for private mortgage insurance&nbsp;(PMI), which is often required for people who don’t have a 20% down payment.Using your military benefits and familiarizing yourself with the fundamentals of a VA home loan are only small parts of the larger mortgage procedure. That’s why you should&nbsp;consult a professional mortgage lender to figure out how to get the most out of your loan. Talk to your real estate agent, too, as they’ll have plenty of useful information to share, too.<h3>#4 Don’t neglect your credit score</h3><div class="se-component se-image-container __se__float-left" contenteditable="false"><figure style="margin: auto;"><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20221228061048.jpg" alt="" data-rotate="" data-proportion="true" data-rotatex="" data-rotatey="" data-size="," data-align="left" data-percentage="auto,auto" data-index="6" data-file-name="Checking Credit Scores 4.jpg" data-file-size="11478" data-origin="," style="" origin-size="227,151"></figure></div>Although the credit standards for a VA loan are less stringent than those for a conventional mortgage, veterans should nonetheless pay close attention to this factor. Potential homeowners&nbsp;must have a positive credit history&nbsp;with more positive indicators than negative ones. It’s important to keep tabs on your credit score to make sure your recent actions are helping rather than damaging your standing. Simply visit AnnualCreditReport.com once in a while, and you’ll be able to get a free copy of your credit report.<h3>#5 Stabile employment status is crucial</h3>Stability, work, and income are crucial factors for qualifying for any mortgage, including a VA loan because they indicate to the lender how much house you can buy. Therefore,&nbsp;try not to let your job situation change while trying to buy a home. Lenders will view your decision to leave a solid career, even if you have another one lined up, with suspicion. If this is the case, your salary might not be sufficient to meet the specific loan requirements. In fact, even after you sign the paperwork, there are no guarantees you’re getting it. So,&nbsp;your loan eligibility could be revoked at any time if you make a career change.<h2>Wrapping up</h2>We hope that the strategies and tips we’ve prepared in this article help you navigate the real estate market as a veteran. However, there is no number of articles you can read or YouTube videos you can watch that can truly prepare you for the chaos that the real estate market can sometimes be. That’s why it’s crucial to&nbsp;<a href="https://selling-sanantoniorealestate.com/contact-form/" target="_blank" rel="noopener">contact San Antonio experts in military real estate</a>&nbsp;who have extensive experience in working with veterans. This is the key to a successful and much less stressful home-buying process.&nbsp;Meta description:It can be challenging to navigate the real estate market as a veteran, and that’s why we’ve consulted experts and prepared tips for you.Photos used:<a href="https://www.pexels.com/photo/a-man-writing-on-white-board-8293743/">https://www.pexels.com/photo/a-man-writing-on-white-board-8293743/</a><a href="https://www.pexels.com/photo/a-woman-in-black-suit-jacket-holding-a-poster-7414907/">https://www.pexels.com/photo/a-woman-in-black-suit-jacket-holding-a-poster-7414907/</a><a href="https://www.pexels.com/photo/family-sitting-on-velvet-sofa-7642016/">https://www.pexels.com/photo/family-sitting-on-velvet-sofa-7642016/</a><a href="https://www.pexels.com/photo/real-estate-agent-giving-a-printed-document-to-a-buyer-8292793/">https://www.pexels.com/photo/real-estate-agent-giving-a-printed-document-to-a-buyer-8292793/</a>&nbsp;<div class="se-component se-image-container __se__float-start" contenteditable="false"><figure style="margin: auto; width: 100px;"><img src="https://d2ywo5dctk15m4.cloudfront.net/sites/632/jerry-newman-san-antonio-tx-Agent-with-veterans-family-2.jpg" alt="Jerry Newman San Antonio Tx Agent With Veterans Family 2" data-origin="100,1" data-proportion="true" style="width: 100px; height: 1px;" data-size="100px,1px" data-align="start" data-index="0" data-file-name="jerry-newman-san-antonio-tx-Agent-with-veterans-family-2.jpg" data-file-size="0"><figcaption></figcaption></figure></div><div style="text-align: start"><figure><figcaption> </figcaption></figure></div><div class="se-component se-image-container __se__float-start" contenteditable="false"><figure style="margin: auto; width: 100px;"><img src="https://d2ywo5dctk15m4.cloudfront.net/sites/632/jerry-newman-san-antonio-tx-Checking-Credit-Scores-4.jpg" alt="Jerry Newman San Antonio Tx Checking Credit Scores 4" data-origin="100,1" data-proportion="true" style="width: 100px; height: 1px;" data-size="100px,1px" data-align="start" data-index="2" data-file-name="jerry-newman-san-antonio-tx-Checking-Credit-Scores-4.jpg" data-file-size="0"><figcaption></figcaption></figure></div><div style="text-align: start"><figure><figcaption> </figcaption></figure></div>

Strategies to Navigate the Real Estate Market as a Military Veteran

You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders.But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather than parting with so much cash up front, even if you have the money available. Many first-time home buyers are only able to qualify for the government's FHA loan that required 3.5 percent down. Some lenders do offer a 3 percent down payment for a conventional loan, but higher credit scores are required.&nbsp;THE DOWNSIDEThe downsides of a small down payment are pretty well known. You’ll have to pay Private Mortgage Insurance for years, and the lower your down payment, the more you’ll pay. You’ll also be offered a lesser loan amount than borrowers who have a 20-percent down payment, which will eliminate some homes from your search. There are even down payment assistance programs available for those who can qualify as long as funds are still available.&nbsp;THE UPSIDEThe national average for home appreciation is about five percent. The appreciation is independent from your home payment, so whether you put down 20 percent or three percent, the increase in equity is the same. If you’re looking at your home as an investment, putting down a smaller amount can lead to a higher return on investment, while also leaving more of your savings free for home repairs, upgrades, or other investment opportunities.&nbsp;THE HAPPY MEDIUMOf course, your home payment options aren’t binary. Most borrowers can find some common ground between the security of a traditional 20 percent and an investment-focused, small down payment. Your trusted&nbsp;<a href="https://selling-sanantoniorealestate.com/contact-form/" target="_blank" rel="noopener" class="on">real estate professional</a>&nbsp;can provide some answers as you explore your financing options.&nbsp;&nbsp;

What You Need to Know about Down Payments

8 Strategies to Secure a Lower Mortgage Rate

If you’re buying or selling property in the San Antonio area, <a href="https://selling-sanantoniorealestate.com/about-me/" target="_blank" rel="noopener" class="on">Jerry Newman</a> is your real estate solution. Team up with Jerry today! (210) 789-4216If you are planning on moving out of state, you are probably stressing about it (if not a little, then a lot) because you probably have no clue what to expect when you arrive there. But you're also probably a little excited because it will be something new, especially if you are moving far out of state to a place with different weather, culture, scenery, etc. Nonetheless, if the nerves are still getting the better of you, real estate agent <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> shares some helpful tips on how to move out of state and make it look easy. <h2>Research your destination and how to find an online doctor</h2>If you're planning on moving many states away and can't go there physically to see what it's all about, then the next best thing you can do is do the necessary research online to try and find out as much as you can about your new town. You can look up a lot on Google itself, like using Google Maps, Google Images, etc. However, there are other helpful resources that will go into a lot more detail concerning what living in your new state is actually like. For example, if you would prefer to live in a quiet and peaceful town, then you could look it up on <a href="https://howloud.com/soundscore/" target="_blank" rel="noopener">howloud.com</a> to find out what the noise levels are. <a href="https://www.city-data.com/" target="_blank" rel="noopener">City-Data.com</a> is another helpful resource that goes into detail regarding all the things you want to know about a state, such as what the neighborhood is like, what the crime levels are like, what the schools are like, etc.Moving to a new city or state also requires finding a new doctor, something that’s easy to let lapse with all the activities and time invested in the move. Fortunately, thanks to telehealth, it’s <a href="https://plushcare.com/online-doctor/" target="_blank" rel="noopener">easy to schedule an online doctor appointment</a>. Using this service, you can connect with board-certified professionals to discuss everything from preventative care to prescriptions. Some services also offer urgent care plans that allow you to speak with a doctor as soon as possible. Having prompt and reliable access to a doctor means that your healthcare will continue both during and after the move.<h2>Choosing a place to stay</h2>This will probably be the most stressful part of planning your move because you will ideally want to move just once as you get used to the many other things you will need to adjust to. Suppose you don't want to make such a big decision immediately as far as purchasing a home goes. <a href="https://time.com/nextadvisor/mortgages/renting-vs-buying-a-home/" target="_blank" rel="noopener">Then renting might be the better option</a> as it gives you the time to look around for your dream home. On the other hand, it may just be easier to utilize the services of experienced real estate agent <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> to help you find a suitable property as quickly as possible. Of course, you’ll also want to look into details, such as if you’ll need a home warranty to cover your home and other essential appliances.<h2>Moving to Texas</h2>If you decided to move to Texas, you made a good choice as this family-friendly state is packed full of adventure and is affordable to live in. Furthermore, Trip101.com <a href="https://trip101.com/article/things-texas-is-famous-for" target="_blank" rel="noopener">notes that Texas has a thriving economy</a>, excellent schools, and superb weather. Plus, you're sure to make friends quickly as the people here are amicable and accommodating to locals and non-locals alike.<h2>Starting a business</h2>If starting a business has always been your dream, and you've decided that now is the time to do so, then don't forget to create a well-thought-out business plan to help improve your chances of success. Wave points out that <a href="https://www.waveapps.com/blog/entrepreneurship/importance-of-a-business-plan" target="_blank" rel="noopener">a business plan serves as your blueprint</a> to help guide you on your business journey and will contain the essential information that will give an overview of what your business is all about. Details that it should include are what the structure of your business will be, how you will obtain funding in the beginning stages to help your business grow, what your company mission is, a description of what your products or services are, what your financials are set to look like, etc.Undoubtedly, moving to a new state is going to be an adjustment. But it doesn’t necessarily have to be an unpleasant change, as it could turn out to be everything, you’re looking for but never knew you needed.Image via <a href="https://www.pexels.com/photo/black-toy-car-on-world-map-paper-21014/">Pexels</a>&nbsp;

Tips on How to Move out of State and Make it Easy

You’ve invested in a fixer-upper. You brought a property from being inhabitable to being one of the most attractive homes in the neighborhood, and now you don’t know what to do with it.Should you sell the property for an immediate boost of income? Or, should you hang onto it and establish a steady flow of passive income?The truth is many factors will determine which decision is right for you. You must evaluate your specific situation and figure out whether selling or renting will help you meet your long-term goals and vision. Below, <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener" class="on">Jerry Newman</a> of Brown Realty and Property Management covers all the topics that will influence your decision.<h2>Do You Want to Be a Landlord?</h2>First of all, think about all the factors involved in being a landlord. Are you sure you are cut out for the job? Do you even want to be a landlord?Rent Prep notes that you’re the boss and you have a lot of control when <a href="https://rentprep.com/property-management/landlord-responsibilities/" target="_blank" rel="noopener">overseeing and managing</a> a property. But with power comes responsibility. Better yet — responsibilities. It’s up to you to take care of all major repairs on the home and a lot of minor ones. If you’re short on cash at the moment, having to pay for labor and materials could put you in a bind.Also, you have to make sure you can afford to maintain the property inside and out. Landscaping services, replacing appliances, and regular design updates can take a toll on your investment property budget.If you plan to manage the property yourself, it will cost you a lot of time. In other words, being a landlord will cost you something no matter which path you take.That said, you may benefit from hiring a property manager to relieve you of some of your burdens. If you can budget for it, find a reputable property management company in the area to handle repairs, maintenance, rent collection, tenant background checks, and other duties.<h2>Have You Remodeled Enough?</h2>If you choose to rent out your home, you must make sure it’s in tip-top shape and includes modern features that appeal to a wide range of tenants. You may have already taken this into account and fully renovated and remodeled the home. If that’s your situation, you’re halfway to running an investment property successfully.If you still have a few changes to make before the property is ready to show, start researchingdesign ideas online and find local services that can get the job done on time.For instance, you can easily find a local contracting company to install a fence around the property. Just be sure to read online reviews and interview a few different companies before hiring someone. It costs an <a href="https://www.bobvila.com/articles/fence-installation-cost/#:~:text=National%20Average%3A%20%242%2C839&amp;text=On%20average%2C%20homeowners%20spend%20between,and%20%2450%20per%20linear%20foot." target="_blank" rel="noopener">average of $2,839</a> to put in a new fence according to Bob Vila, the total cost depending on the size and location of the fence, materials, and other factors.<h2>Be Business-Minded With Marketing, Including Using Banners</h2>Marketing is another responsibility that comes with being a landlord. Keep in mind that being a landlord essentially means that you’re a business owner, and you should treat your investment property venture as such.Along with creating a killer listing for your own website, real estate sites, and rental platforms, create a brand that distinguishes your property from others. If you enjoy renting out this home, you might pursue other investment properties down the road. You’ll need a unique and attractive visual identity for your empire!Look for DIY marketing tools to save money. Many technologies on the web can help you develop and execute a top-notch marketing strategy for your property. For instance, you can skip the professional design services and make a banner quickly with an online <a href="https://www.adobe.com/express/create/banner" target="_blank" rel="noopener">banner template</a>. Many banner makers are easy to use; you just choose a premade template and customize it with the design elements you have in mind. Then you can use the graphic on everything from printed marketing materials to social media and your website.<h2>When to Sell Your Newly Remodeled Home</h2>You may already have an idea of whether or not you want to rent or sell your investment property. But let’s quickly touch on a few clear signs you should sell:<h3>Now’s the Time to Sell</h3>If it’s currently a seller’s market, then it’s an <a href="https://bungalow.com/articles/what-is-a-sellers-market" target="_blank" rel="noopener">excellent time</a> to sell your investment home. Essentially, this means housing inventory is low and buyer demand is high.<h3>You’re Short on Cash</h3>If you’re more concerned with short-term goals and would like more cash up front, selling your investment property is the only way to achieve it.<h3>The Home Is Old</h3>Old houses tend to bring about a wide range of problems, many for which you can’t prepare. The cost of repairs and maintenance can quickly add up, not to mention add considerable stress to your life.<h3>You Can’t Charge Enough for Rent</h3>Take time to research and analyze rental and vacancy rates in your area. If you’re not able to charge what you need for rent, you might be better off selling the property.<h2>When to Rent Out Your Newly Remodeled Home</h2>Now, here are some indications that renting out your newly remodeled home is the best strategy:<h3>You’ve Always Wanted to Be a Landlord</h3>You’ve wanted to be a landlord since you were a young child. You daydreamed about it in middle school and still think about the prospect daily. Or, you just think you’ve got what it takes and that being a landlord would be cool. Either way, you’re probably suited to rent out your property.<h3>Rental Demand Is High</h3>When rental demand is high, you can <a href="https://ipropertymanagement.com/research/rental-vacancy-rate" target="_blank" rel="noopener">raise rental rates</a> and be more selective with tenants. And you won’t have to stress out as much about vacancies.<h3>The Home Has Great Amenities</h3>If your investment property has <a href="https://www.turbotenant.com/blog/rental-amenities/" target="_blank" rel="noopener">multiple amenities</a> that appeal to renters, it could spell success for your rental property. Short-term renters care more about swimming pool access, nearby activities and entertainment, and other features that vacationers would look for. Long-term tenants look for properties with good appliances, quality floors, close proximity to work and other daily activities, etc.<h3>You Know You Can Make Money</h3>You’ve been over the books and thoroughly analyzed your investment home. And you’ve concluded that you can absolutely make good money by renting it out. If you would like to earn passive monthly income, by all means, rent out that property!<h2>Conclusion</h2>The decision to sell or rent out your investment property requires you to consider many factors. But at the end of the day, it comes down to what you want to do and whether selling or renting gets you closer to your long-term financial and life goals.Keep researching the market and finding other ways to position your investment property venture for success. And remember to connect with a top-rated real estate pro like <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> if you decide to list your San Antonio property for sale! Team up with Jerry today by calling (210) 789-4216.Image via <a href="https://www.pexels.com/photo/white-couch-near-black-mat-259962/">Pexels</a>

Should You Sell or Rent Out Your Renovated Investment Home?

Whether you’re running a vacation home or a residential rental, being a property manager is a lot of work. As you set up the home and market it to renters, there are many details to consider, including your financial goals and long-term investment plan. Every investor’s property management approach is slightly different. Beginner real estate investors and first-time landlords need to be well-versed in the intricacies of rental property management to develop their own approach. If you’re new to all this, check out these great resources from&nbsp;<a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Brown Realty and Property Management</a>.<h2 style="text-align: start">How to Get Your Property Ready to Rent</h2>From insurance to renovations to kitchens, there’s a lot to consider when setting up your property for renters.<ul><li>Do I Need Homeowners or Landlord&nbsp;<a href="https://www.allstate.com/tr/home-insurance/homeowners-or-landlord-insurance.aspx" target="_blank" rel="noopener">Insurance for a Rental Property</a>?</li><li>18&nbsp;<a href="https://www.curbed.com/2017/5/12/15626862/home-improvement-apps-renovation-android-iphone" target="_blank" rel="noopener">Renovation Apps</a>&nbsp;to Know for Your Next Project</li><li>If the Kitchen Needs Remodeling,&nbsp;<a href="https://www.prolinerangehoods.com/rangehoodstyles/wall-mount-range-hood" target="_blank" rel="noopener">Remember These Quality</a>&nbsp;Wall Mount Range Hoods</li><li><a href="https://www.rentecdirect.com/blog/safety-checklist-for-rental-properties/" target="_blank" rel="noopener">Safety Checklist</a>&nbsp;for Rental Properties</li></ul><h2 style="text-align: start">Handling the Finances</h2>The financial aspect of property management can be tough to understand. Let these resources be your guide.<ul><li>State-by-State&nbsp;<a href="https://www.hostfully.com/regulations/" target="_blank" rel="noopener">Short-Term Rental Regulations</a></li><li>Should You&nbsp;<a href="https://www.columbiapm.com/pros-and-cons-of-creating-an-llc-as-a-rental-property-owner/" target="_blank" rel="noopener">Create an LLC For Your Rental Property</a>?</li></ul><h2 style="text-align: start">Setting Rent and Marketing the Property</h2><h4 style="text-align: start">After your property has been spruced up and you’ve gone over your finances, it’s time to think about pricing and marketing strategies.</h4><ul><li>How Do I Set a Rental Price for a&nbsp;<a href="https://homeguides.sfgate.com/set-rental-price-house-7132.html" target="_blank" rel="noopener">House</a>?</li><li>The 7 Best Ways to&nbsp;<a href="https://www.millionacres.com/real-estate-investing/articles/7-best-ways-market-your-vacation-rental-and-keep-it-booked/" target="_blank" rel="noopener">Market Your Vacation Rental</a>&nbsp;and Keep It Booked</li></ul><h2 style="text-align: start">Property Management Tools and Services</h2>Being a property manager is no simple job. It doesn’t hurt to have a few good tools, software, and services on hand for the tasks you need help with the most.&nbsp;Understanding the Importance of&nbsp;<a href="https://landlord-resources.theblueground.com/property-management/outsourcing-tasks/" target="_blank" rel="noopener">Outsourcing</a>: Here Are the Tasks You Should Hire Out<ul><li>Use Software to Help with&nbsp;<a href="https://quickbooks.intuit.com/payroll/" target="_blank" rel="noopener">Running Your Payroll</a>&nbsp;If You Have Employees</li><li>8&nbsp;<a href="https://www.lodgify.com/blog/cleaning-apps-vacation-rentals/" target="_blank" rel="noopener">Cleaning Apps</a>&nbsp;for Vacation Rental Businesses</li></ul>There’s a lot to do before you can start making money with your rental property. From preparing the home for rent to setting rates and marketing your rental, you’ll have your hands full for some time. Remember to hire out time-consuming tasks to experts who can help you succeed. With the right team and some useful automation apps and software on your side, you’ll have a much easier time launching your first rental property.Finding the right property for your first rental may require some professional assistance.&nbsp;<a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Brown Realty and Property Management</a>&nbsp;can help you locate the right one for you. Call 210-789-4216 ?Photo via&nbsp;<a href="https://pixabay.com/photos/real-estate-for-rent-rented-3297625/">Pixabay</a> ?

Your Survival Guide For Managing Your First Rental Property

The decision of whether to invest in a starter home in San Antonio or wait and buy a forever home depends on several factors, both financial and personal. It’s easier to decide when considering the pros and cons.<h2>Moving Into Greener Pastures</h2>You’re getting ready to take the next big step in&nbsp;<a href="https://www.merriam-webster.com/dictionary/the%20American%20dream#:~:text=Definition%20of%20the%20American%20dream,were%20living%20the%20American%20dream." target="_blank" rel="noopener">living the American dream</a>&nbsp;by jumping in with both feet into the status of homeownership.&nbsp;<a href="https://policyadvice.net/insurance/insights/home-ownership-statistics/" target="_blank" rel="noopener">Only two-thirds</a>&nbsp;of the US population are current homeowners, and this figure drops to one-third for adults under the age of 34. The first step of deciding on a home is determining whether you’re&nbsp;going to move into a starter home or a forever home.<h2>Pros and Cons of Buying a Starter Home</h2>Starter houses are typically two bedrooms or fewer, and most people only live in them for two to five years. The average price difference between a two and a three-bedroom house is&nbsp;<a href="https://jaredclemence.com/real-estate/home-buyers/myth-busted-3-bedroom-houses-have-better-resale-value-than-2-bedroom-houses/#:~:text=2%2Dbedroom%20houses%20cost%20less,3%2Dbedroom%20house%20was%20%24241%2C907." target="_blank" rel="noopener">approximately $20,000</a>, making smaller homes more budget-friendly. Your starter home can be a future investment as a rental property or resold as you move on to your permanent dwelling. Smaller starter homes require less housekeeping and maintenance, adding to your cost savings.On the other hand, starter homes are smaller and, depending on your family size and mode of living, can feel cramped. A starter home is also typically a bit older than a forever home. Many are known as fixer-uppers because they require repairs. Lastly, starter homes are becoming harder to sell because millennials believe the cost of homes is too expensive and&nbsp;<a href="https://www.businessinsider.com/starter-home-price-expensive-own-rent-2019-7" target="_blank" rel="noopener">are renting longer</a>&nbsp;to save up and buy a forever home.<h2>Pros and Cons of Buying a Forever Home</h2>The&nbsp;<a href="https://www.rocketmortgage.com/learn/starter-home-or-forever-home" target="_blank" rel="noopener">average age of people</a>&nbsp;who purchase a four-bedroom forever home is 33 to 37, and the main appeal is that they are planning to settle in for the long term. Staying for the long haul allows them to set up roots in the community and offer stability to their children. Forever homes in San Antonio are more spacious and have more amenities than starter homes, allowing you to have all the designs and features you desire.The biggest obstacle to buying a forever home is the cost. It will take you longer to build up a down payment, and the monthly mortgage will put a bigger dent in your budget. A forever home is meant to be long-term and has&nbsp;<a href="https://www.fortunebuilders.com/starter-home/" target="_blank" rel="noopener">a slower ROI</a>, meaning it takes longer for your home to increase in value. Another downfall is that a larger house and yard have higher upkeep and utility costs.<h2>Protecting Your Home Against Peril</h2>Homeowner’s insurance is crucial to protect you against perils that damage the structure of your home. The average cost for home insurance is $1,250 per year, but your exact rate depends on your home’s value. Most homeowners will&nbsp;<a href="https://www.usnews.com/insurance/homeowners-insurance/things-to-know-when-buying-homeowners-insurance" target="_blank" rel="noopener">escrow their insurance</a>&nbsp;and pay their premiums through the mortgage company. So&nbsp;<a href="https://www.ahs.com/home-warranty/are-home-warranties-worth-it/" target="_blank" rel="noopener">is it worth it to&nbsp;</a><a href="https://www.ahs.com/home-warranty/are-home-warranties-worth-it/">have home</a><a href="https://www.ahs.com/home-warranty/are-home-warranties-worth-it/">&nbsp;warranty</a>? Home warranties will&nbsp;<a href="https://www.usnews.com/360-reviews/services/home-warranty/how-to-buy-home-warranty#:~:text=To%20determine%20if%20you%20need,and%20tear%20or%20cosmetic%20issues." target="_blank" rel="noopener">cover appliances and home systems</a>&nbsp;when they need repairs.<h2>What Will Your New Home Be?</h2>Buying your first home is a major decision you’ll make in your adult life. A starter home can turn into a sound investment over the years while you save for your dream home, but a forever home offers the security of permanence.&nbsp;<a href="https://selling-sanantoniorealestate.com/resources/" target="_blank" rel="noopener">Enlisting aid</a>&nbsp;from a professional at San Antonio Real Estate can help you figure out your options. 
 Image via <a href="https://www.pexels.com/photo/real-estate-agent-giving-the-keys-to-the-buyer-7642008/">Pexels</a>

Weighing In on a Starter or Forever Home

San Antonio is a bustling city.&nbsp; It’s the second-most populous city in Texas, and it’s also one of the more prosperous large cities in the US! San Antonio is a hub of economic development with a large number of businesses that draw professionals to the community. For entrepreneurs looking to start a new business, San Antonio is an excellent location for consideration.<h2>Cost of Living in the San Antonio Area</h2>The overall <a href="https://www.bestplaces.net/city/texas/san_antonio" target="_blank" alt="cost of living">cost of living</a> in the City of San Antonio is lower than the national average. Fortunately, that means there are many areas that are affordable. Bexar County, where San Antonio resides, while still higher than the state average, has a lower cost of living compared to the city, and may be a better place to live and start a business.Should you choose to live in the Greater San Antonio area, it’s important to choose a local realtor you can trust. <a href="https://selling-sanantoniorealestate.com/" target="_blank" alt="Jerry Newman of Brown Realty">Jerry Newman of Brown Realty</a> is an experienced, licensed real estate professional capable of assisting you in your search for a new home in the area.<h2>Higher Education</h2>Having an educated workforce is a boon to any company. When starting up your business, it may be difficult to source candidates from across the country, therefore having access to quality candidates from good schools nearby can make a big difference. San Antonio is centrally located near numerous colleges, trade schools, and universities. &nbsp;<a href="https://www.niche.com/colleges/search/best-colleges/m/san-antonio-metro-area/" target="_blank" alt="Schools">Schools</a> in the area include:
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
Trinity University
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
St. Mary’s University
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
University of the Incarnate Word
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
University of Texas - San Antonio
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
Texas Lutheran University<h2>Importance of a Strong Business Community &nbsp;</h2>A strong business community helps entrepreneurs learn from one another and discover what makes existing businesses in the area successful. Joining a business association also provides networking opportunities, provides personal and social advantages, and provides access to educational opportunities and materials. Local business associations and organizations include:
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
San Antonio <a href="https://www.sachamber.org/" target="_blank" alt="Chamber of Commerce">Chamber of Commerce</a>
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
San Antonio <a href="https://www.sahcc.org/" target="_blank" alt="Hispanic Chamber of Commerce">Hispanic Chamber of Commerce</a>
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
San Antonio <a href="https://www.salgbtchamber.org/" target="_blank" alt="LGBT Chamber of Commerce">LGBT Chamber of Commerce</a>
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
San Antonio <a href="https://sawomenschamber.org/" target="_blank" alt="Women’s Chamber of Commerce">Women’s Chamber of Commerce</a><h2>Getting Started</h2>Creating a checklist can make it easier to get started with a new business in San Antonio. Start by <a href="https://www.businessnewsdaily.com/5680-simple-business-plan-templates.html" target="_blank" alt="creating a business plan">creating a business plan</a> that lays out a blueprint for your business over the next three to five years. Also, be sure to determine the legal structure and formation. A corporation offers important <a href="https://texashappens.com/incorporating-in-texas/">legal and tax advantages</a>, including protecting your personal assets, easier access to capital, and enhancing your business credibility. You’ll want to apply for your EIN number, register for taxes, apply for local business licenses and permits, and open a business account.Next, you should consider the marketing place for your new business. If you don’t have a logo, you can create a logo <a href="https://www.adobe.com/express/create/logo" target="_blank" alt="using a logo design maker online">using a logo design maker online</a> and save money. For additional help on developing your company presence, connect with a freelancer designer or work with a marketing agency for a la carte website design, graphic design, SEO, and website hosting.&nbsp;Establishing an identifiable brand is critical to success.The Greater San Antonio area can be the perfect place to set up shop for your new business. With so many resources available, you can start out on the right foot and settle into this bustling, vibrant community. Check out this <a target="_blank" href="https://www.logodesign.net/ultimate-guide-designing-advertising-logos" alt="Guide to Designing Advertising Logos">Guide to Designing Advertising Logos</a>.&nbsp;Jerry Newman<a href="https://selling-sanantoniorealestate.com/" target="_blank" alt="Jerry Newman"></a>, your San Antonio, TX Real Estate agent can help you find your perfect home. Learn about San Antonio, TX neighborhoods, San Antonio, TX suburbs, and the best places to live in San Antonio, TX.For more information, please visit his website or <a href="https://selling-sanantoniorealestate.com/contact-form/" target="_blank" alt="contact him">contact him</a> today!<span style="font-size:12.0pt;font-family:&quot;Cambria&quot;,serif; mso-fareast-font-family:Cambria;mso-bidi-font-family:Cambria;color:black; mso-ansi-language:EN-US;mso-fareast-language:EN-US;mso-bidi-language:AR-SA">Image via <a href="https://www.pexels.com/photo/cheerful-surprised-woman-sitting-with-laptop-3762940/">Pexels</a> <h1> </h1>

Choosing San Antonio to Start a Business

<div style="letter-spacing:normal!important;width:485px!important; padding:0 40px!important; font-family:Arial,sans-serif!important;"> <ul style="letter-spacing:normal!important;list-style:none!important;margin:0 0 30px!important;padding-left:0;float:left;width:485px;font-family:Arial,sans-serif!important;"> <li style="letter-spacing:normal!important;font-family:Arial,sans-serif!important;display:block;vertical-align:baseline!important;padding:30px 0!important; border-bottom:1px solid #ebf0f2!important; color:#777!important; font-size:12px!important; line-height:20px!important;float:left;width:485px;"> <div style="letter-spacing:normal!important;font-family:Arial,sans-serif!important;position:relative!important; float:left!important; width:179px!important;"> <a href="https://www.houselogic.com/organize-maintain/home-maintenance-tips/best-time-to-buy-refrigerator/" style="letter-spacing:normal!important;font-family:Arial,sans-serif!important;color:#16a8d3!important; text-decoration:none!important;"> <img style="border:0 none;" src="https://static.houselogic.com/content/images/sized/article_4-things-smart-homeowners-always-know-to-do-in-may_dd9603f52a3df888ea9169f0d921ad53_3x2_jpg_168x112_q85.jpg" alt="" title="4 Things Smart Homeowners Always Know to Do in May" /> </a> </div> <h3 style="letter-spacing:normal!important;font-family:Arial,sans-serif!important;float:left;width:306px;margin:0; font-size:16px!important; font-weight:bold!important; padding-bottom:16px;"><a style="color:#16a8d3!important; text-decoration:none!important;" href="https://www.houselogic.com/organize-maintain/home-maintenance-tips/best-time-to-buy-refrigerator/" target="_blank">4 Things Smart Homeowners Always Know to Do in May</a></h3> Like buying a fridge or mattress when the savings are the biggest. <a target="_blank" style="color:#16a8d3!important; text-decoration:none!important;" href="https://www.houselogic.com/organize-maintain/home-maintenance-tips/best-time-to-buy-refrigerator/">Read</a> <div style="clear:both;"></div> </li> </ul> <div style="float:left;width:485px;"> Visit <a style="color:#16a8d3!important; text-decoration:none!important;" href="https://www.houselogic.com">houselogic.com</a> for more articles like this. © Copyright 2022 NATIONAL ASSOCIATION OF REALTORS® </div> </div>

Tips for Homeowners

Moving is a big undertaking, especially if you&rsquo;re managing other responsibilities at the same time. For instance, if you want to launch a business from home, but your current home lacks the necessary space, you may be searching for a new property while getting your company off the ground. House hunting in San Antonio with <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> can help you find the right property, and the following tips will enable you to open your business in your new home!
Secure Adequate Funding
Naturally, moving can be quite expensive&mdash;and so can starting a business. Some businesses aren&rsquo;t profitable right away, and even if you would have very little overhead, you will need to find a way to cover your startup costs. This can be especially tough if your business is already stretched by business expenses.
You&rsquo;ll definitely need to use an app to track your personal and business finances. One that incorporates a <a href="https://plaid.com/products/transactions/" target="_blank" rel="noopener">transaction details API</a> will enable you to look at up to 24 months of transactions. This should keep you clear of any surprises.
If financing is a concern for you, you may want to look into applying for business grants. Some entrepreneurs become frustrated while searching for grants because finding grants that you&rsquo;re eligible for can be tough. But there are a few things you can do to make it easier! For instance, you can create a solid business plan, research available local grants, seek out grants that are specifically geared towards your industry, and put your applications together well before the deadlines.
The Home Buying Process
To start looking for homes, you&rsquo;ll need to work with a great realtor who understands your needs as an aspiring business owner. Talk to them about what you&rsquo;re looking for in a property and what kind of neighborhood you hope to live in.
As you look for a home, you&rsquo;ll want to keep an eye out for key features that will make it easier for you to run your business. Global Banking and Finance <a href="https://www.globalbankingandfinance.com/six-features-your-house-needs-if-you-work-from-home/" target="_blank" rel="noopener">states</a> that remote workers often benefit from having a sizable home office, a spacious kitchen, plenty of natural light, and visible greenery. You could also search for a home with a finished basement that you could use as an office or storage space!
Navigating Your Move
To save yourself time as you get ready to move, it&rsquo;s a good idea to hire movers. Even if you could pack up your house and relocate your belongings on your own, working with movers will free up time in your <a href="https://www.movers.com/moving-guides/how-to-manage-your-time-during-a-move.html" target="_blank" rel="noopener">schedule</a> to focus on your business instead. In order to choose the right movers, Faze <a href="https://faze.ca/essential-questions-to-ask-before-hiring-movers/" target="_blank" rel="noopener">recommends</a> asking several moving companies for breakdowns of their price quotes so that you can see all of the services you&rsquo;ll be paying for.
Launching Your Business
You&rsquo;ve put together a business plan, you&rsquo;ve brought in some grant money, and now, you&rsquo;re in your new home&mdash;it&rsquo;s time to officially <a href="https://www.usa.gov/start-business" target="_blank" rel="noopener">launch your business</a>! You can start by <a href="https://blog.allstate.ca/7-easy-and-affordable-tips-to-make-an-appealing-home-office/" target="_blank" rel="noopener">setting up</a> a home office. You&rsquo;ll need a desk, a supportive chair, lighting, tools for storing paperwork and office supplies, and decor to liven up the space. Keep a wastebasket in your office to dispose of any clutter. Once you&rsquo;ve established your office, you can start marketing your products and services and finding your very first customers. When you have plenty of room, running a home-based business is much easier, and you&rsquo;ll be able to make progress quickly towards your goals.
Consider using a monthly planner template to <a href="https://miro.com/templates/monthly-planner/" target="_blank" rel="noopener">organize your time</a> and define objectives and goals. Simply add events and tasks to your calendar and add visuals like images and your company logo.
If you&rsquo;ve realized that you&rsquo;ll need to move in order to achieve your dream of running a small business from your home, you might be stressed about your long to-do list. But with a plan, moving and becoming a business owner is manageable. Soon, you&rsquo;ll be running your business comfortably from your new home!
When you&rsquo;re ready to find your dream San Antonio-area home, <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> offers local expertise and exceptional service. Call (210) 789-4216 today!
Photo via <a href="https://www.pexels.com/photo/man-smiling-while-holding-a-box-5025638/">Pexels</a>

How do you balance starting a business and moving at the same time?

How to Balance Starting a Business and Moving

<div class="site-inner">
<div class="content-sidebar-wrap"><main class="content">
<article class="post-1000803 post type-post status-draft format-standard category-blog entry" aria-label="Hedge Against Inflation With These 3 Real Estate Investment Types">
<div class="entry-content">
The annual inflation&nbsp;rate in the United States is currently around 7.5%&mdash;the highest it has been since 1982.1&nbsp;It doesn&rsquo;t matter if you&rsquo;re a cashier, lawyer, plumber, or retiree; if you spend U.S. dollars, inflation impacts you.
Economists expect the effects of inflation, like a higher cost of goods, to continue.2&nbsp;Luckily, an investment in real estate can ease some of the financial strain.
Here&rsquo;s what you need to know about inflation, how it impacts you, and how an investment in real estate can help.
WHAT IS INFLATION AND HOW DOES IT IMPACT ME?
Inflation is a decline in the value of money. When the rate of inflation rises, prices for goods and services go up. Therefore, a dollar buys you a little bit less with every passing day.
The consumer price index, or CPI, is a standard measure of inflation. Based on the latest CPI data, prices increased 7.5% from January 2021 to January 2022.1&nbsp;A little bit of inflation is considered healthy for the economy, but 7.5% in a single year is high.
How does inflation affect your life? Here are a few of the negative impacts:
<ul>
<li>Decreased Purchasing Power</li>
</ul>
We touched on this already, but as prices rise, your dollar won&rsquo;t stretch as far as it used to. That means you&rsquo;ll be able to purchase fewer goods and services with a limited budget.
<ul>
<li>Increased Borrowing Costs</li>
</ul>
In an effort to curb inflation, the Federal Reserve is expected to raise the federal funds rate. Therefore, consumers are likely to pay a higher interest rate on new mortgages, car loans, and variable-rate credit cards.3
&nbsp;Lower Standard of Living
Wage growth tends to lag behind price increases. According to Moody Analytics, when adjusted for inflation, average weekly earnings in January were down 3.1% from a year earlier.4&nbsp;As such, life is becoming less affordable for everyone. Inflation can force those on a fixed income, like retirees, to make lifestyle changes and prioritize essentials.
<ul>
<li>Eroded Savings</li>
</ul>
If you store all your savings in a bank account, inflation is even more damaging. As of February 2022, the national average interest rate for a savings account is 0<a href="https://www.bankrate.com/banking/savings/average-savings-interest-rates/">.</a>06%, not nearly enough to keep up with inflation. And economists don&rsquo;t expect that rate to go much higher.3
One of the best ways to mitigate these effects is to find a place to invest your money other than the bank. Even though interest rates are expected to rise, they&rsquo;re unlikely to get high enough to beat inflation. If you hoard cash, the value of your money will decrease every year and more rapidly in years with elevated inflation.
REAL ESTATE: A PROVEN HEDGE AGAINST INFLATION
So where is a good place to invest your money to protect (hedge) against the impacts of inflation? There are several investment vehicles that financial advisors traditionally recommend, including:
<ul>
<li>Stocks</li>
</ul>
Some people invest in stocks as their primary inflation hedge. However, the stock market can become volatile during inflationary times, as we&rsquo;ve seen in recent months.5
&nbsp;Commodities
Commodities are tangible assets, like oil, livestock, and minerals. The theory is that the price of commodities should climb alongside inflation. But the classic choice&ndash;gold&ndash;hasn&rsquo;t risen consistently during periods of inflation since the 1970s, according to data from Morningstar Direct.6
<ul>
<li>Inflation-Indexed Bonds</li>
</ul>
Treasury inflation-protected securities, or TIPS, are U.S. government-issued bonds that are indexed to the inflation rate. Bonds are considered low risk, but the returns they offer are generally low, as well.7 
Real Estate 
<ul>
<li>Real estate prices across the board tend to rise along with inflation and often rise faster than inflation.8&nbsp;That&rsquo;s one of the reasons demand for real estate is soaring right now.9</li>
</ul>
We believe real estate is the best hedge against inflation. Owning real estate does more than protect your wealth&mdash;it can actually make you money. For example, home prices rose nearly 17% from 2020 to 2021, 10% ahead of the 7% inflation that occurred in the same timeframe.10
Plus, certain types of real estate investments can help you generate a stream of passive income. In the past year, property owners didn&rsquo;t just avoid the erosion of purchasing power caused by inflation; they got ahead.
TYPES OF REAL ESTATE INVESTMENTS
Though there are myriad ways to invest in real estate, there are three basic investment types that we recommend for beginner and intermediate investors. Remember that we can help you determine which options are best for your financial goals and budget.
<ul>
<li>Primary Residence</li>
</ul>
If you own your home, you&rsquo;re already ahead. The advantages of homeownership become even more apparent in inflationary times. As inflation raises prices throughout the economy, the value of your home is likely to go up concurrently. At the same time, you&rsquo;ve locked in a set mortgage payment for the next 30 years, so you&rsquo;ll be immune to rising rental costs.
If you don&rsquo;t already own your primary residence, homeownership is a worthwhile goal to pursue.
Though the task of saving enough for a down payment may seem daunting, there are several strategies that can make homeownership easier to achieve. If you&rsquo;re not sure how to get started with the home buying process, contact us. Our team can help you find the strategy and property that fits your needs and budget.
Whether you already own a primary residence or are still renting, now is a good time to also start thinking about an investment property. The types of investment properties you&rsquo;ll buy as a solo investor generally fall into two categories: long-term rentals and short-term rentals.
<ul>
<li>Long-Term (Traditional) Rentals</li>
</ul>
A long-term or traditional rental is a dwelling that&rsquo;s leased out for an extended period. An example of this is a single-family home where a tenant signs a one-year lease and brings all their own furniture.
Long-term rentals are a form of housing. For most tenants, the rental serves as their primary residence, which means it&rsquo;s a necessary expense. This unique quality of long-term rentals can help to provide stable returns in uncertain times, especially when we have high inflation.
To invest in a long-term rental, you&rsquo;ll need to budget for maintenance, repairs, property taxes, and insurance. You&rsquo;ll also need to have a plan for managing the property. But a well-chosen investment property should pay for itself through rental income, and you&rsquo;ll benefit from appreciation as the property rises in value.
We can help you find an ideal long-term rental property to suit your budget and investment goals. Reach out to talk about your needs and our local market opportunities.
<ul>
<li>Short-Term (Vacation) Rentals</li>
</ul>
Short-term or vacation rentals function more like hotels in that they offer temporary accommodations. A short-term rental is defined as a residential dwelling that is rented for 30 days or less. The furniture and other amenities are provided by the property owner, and today many short-term rentals are listed on websites like Airbnb and Vrbo.
&nbsp;A short-term rental can potentially earn you a higher return than a long-term rental, but this comes at the cost of daily, hands-on management. With a short-term rental, you&rsquo;re not just entering the real estate business; you&rsquo;re entering the hospitality business, too.
Done right, short-term rentals can be both a hedge against inflation and a profitable source of income. As a bonus, when the home isn&rsquo;t being rented you have an affordable vacation spot for yourself and your family!
Contact us today if you&rsquo;re interested in exploring options in either the long-term or short-term rental market. Mortgage rates are expected to rise, so you&rsquo;ll want to act fast to maximize your investment return.
WE&rsquo;RE INVESTED IN HELPING YOU
Inflation is a fact of life in the U.S. economy. Luckily, you can prepare for inflation with a carefully managed investment portfolio that includes real estate. Owning a primary residence or investing in a short-term or long-term rental will help you both mitigate the effects of inflation and grow your net worth, which makes it a strategic move in our current financial environment.
If you&rsquo;re ready to invest in real estate to build wealth and protect yourself from rising inflation,&nbsp;<a href="https://selling-sanantoniorealestate.com/about-me/" target="_blank" rel="noopener">contact us</a>. Our team can help you find a primary residence or investment property that meets your financial goals.
&nbsp;
The above references an opinion and is for informational purposes only.&nbsp; It is not intended to be financial advice. Consult the appropriate professionals for advice regarding your individual needs.
Sources:
<ol>
<li>Bloomberg &ndash; <a href="https://www.bloomberg.com/news/articles/2022-02-10/u-s-inflation-charges-higher-with-larger-than-forecast-gain">https://www.bloomberg.com/news/articles/2022-02-10/u-s-inflation-charges-higher-with-larger-than-forecast-gain</a></li>
<li>CNN &ndash; <a href="https://www.cnn.com/2022/01/01/economy/inflation-prices-2022-preview/index.html">https://www.cnn.com/2022/01/01/economy/inflation-prices-2022-preview/index.html</a></li>
<li>CNBC &ndash; <a href="https://www.cnbc.com/2022/01/26/the-fed-sets-the-stage-for-a-rate-hike-heres-what-that-means-for-you.html">https://www.cnbc.com/2022/01/26/the-fed-sets-the-stage-for-a-rate-hike-heres-what-that-means-for-you.html</a></li>
<li>Reuters &ndash; <a href="https://www.reuters.com/business/us-consumer-prices-rise-strongly-january-weekly-jobless-claims-fall-2022-02-10/">https://www.reuters.com/business/us-consumer-prices-rise-strongly-january-weekly-jobless-claims-fall-2022-02-10/</a></li>
<li>NBC News &ndash; <a href="https://www.nbcnews.com/business/markets/market-slide-dow-falls-700-points-sp-enters-correction-territory-rcna13304">https://www.nbcnews.com/business/markets/market-slide-dow-falls-700-points-sp-enters-correction-territory-rcna13304</a></li>
<li>CNBC &ndash; <a href="https://www.cnbc.com/2021/12/20/gold-is-losing-its-status-as-an-inflation-hedge-two-traders-warn.html">https://www.cnbc.com/2021/12/20/gold-is-losing-its-status-as-an-inflation-hedge-two-traders-warn.html</a></li>
<li>Morningstar &ndash; <a href="https://www.morningstar.com/articles/1079158/why-are-inflation-protected-bond-funds-losing-money">https://www.morningstar.com/articles/1079158/why-are-inflation-protected-bond-funds-losing-money</a></li>
<li>The Washington Post &ndash; <a href="https://www.washingtonpost.com/business/2022/01/04/heres-how-inflation-could-affect-your-next-real-estate-move/">https://www.washingtonpost.com/business/2022/01/04/heres-how-inflation-could-affect-your-next-real-estate-move/</a></li>
<li>Bloomberg &ndash; <a href="https://www.bloomberg.com/news/articles/2022-01-24/is-real-estate-a-good-investment-hedge-against-inflation-what-the-experts-say">https://www.bloomberg.com/news/articles/2022-01-24/is-real-estate-a-good-investment-hedge-against-inflation-what-the-experts-say</a></li>
<li>CNN &ndash; <a href="https://www.cnn.com/2022/01/20/homes/us-nar-home-sales-december-and-2021/index.html">https://www.cnn.com/2022/01/20/homes/us-nar-home-sales-december-and-2021/index.html</a></li>
</ol>
</div>
<footer class="entry-footer">
&nbsp;
</footer></article>
</main>
<aside class="sidebar sidebar-primary widget-area" role="complementary" aria-label="Primary Sidebar">
<section id="ihomefinderquicksearchwidget-4" class="widget widgets-count-2 widget-1 widget_ihomefinderquicksearchwidget">
<div class="widget-wrap">
<h4 class="widget-title widgettitle">QUICK SEARCH</h4>
<div data-ihf-client-id="148335"><form class="ihf-ng-untouched ihf-ng-pristine ihf-ng-valid" novalidate="">
<div class="ihf-row">
<div class="ihf-col"><label class=""><label class="">Location</label></label>
<div class="ihf-select-input"><input class="ihf-ng-untouched ihf-ng-pristine ihf-ng-valid" type="text" placeholder="City, Address, Postal Code, MLS ID" aria-label="City, Address, Postal Code, MLS ID" />City, Address, Postal Code, MLS ID</div>
</div>
</div>
<div class="ihf-row">
<div class="ihf-col"><label class=""><label class="">Property Type</label></label>
<div class="ihf-select-input">&times;&nbsp;Condo&times;&nbsp;House<input class="ihf-ng-untouched ihf-ng-pristine ihf-ng-valid" type="text" placeholder="" aria-label="Property Type" /></div>
</div>
</div>
<div class="ihf-row">
<div class="ihf-col-6"><label class=""><label class="">Min. Price</label></label>
<div class="ihf-input-group">
<div class="ihf-input-group-prepend">$</div>
<input class="ihf-form-control ihf-ng-untouched ihf-ng-pristine ihf-ng-valid" type="text" placeholder="Min. Price" /></div>
</div>
<div class="ihf-col-6"><label class=""><label class="">Max. Price</label></label>
<div class="ihf-input-group">
<div class="ihf-input-group-prepend">$</div>
<input class="ihf-form-control ihf-ng-untouched ihf-ng-pristine ihf-ng-valid" type="text" placeholder="Max. Price" /></div>
</div>
</div>
<div class="ihf-row">
<div class="ihf-col-6"><label class=""><label class="">Beds</label></label>
<div class="ihf-select-input">Any&nbsp;<input class="ihf-ng-untouched ihf-ng-pristine ihf-ng-valid" type="text" placeholder="" aria-label="Min. Bedrooms" /></div>
</div>
<div class="ihf-col-6"><label class=""><label class="">Baths</label></label>
<div class="ihf-select-input">Any&nbsp;<input class="ihf-ng-untouched ihf-ng-pristine ihf-ng-valid" type="text" placeholder="" aria-label="Min. Bathrooms" /></div>
</div>
</div>
<div class="ihf-row">
<div class="ihf-col"><button class="ihf-btn ihf-btn-lg ihf-btn-block ihf-btn-primary" type="button" aria-label="Search">Search</button> &nbsp;</div>
</div>
</form></div>
</div>
</section>
</aside>
</div>
</div>

Real Estate as an investment resource during times of inflation.

Hedge Against Inflation With These 3 Real Estate Investment Types

As millions of Americans continue to work remotely, increasing location freedom, many have considered investing in a rental property for some extra income. Our experts at Bankrate created a guide on how to acquire and establish a rental property, whether it&rsquo;s a sound investment for your lifestyle, and all other financial implications involved in the process. Take a look at this <a href="https://www.bankrate.com/mortgages/how-to-establish-a-rental-property/" target="_blank" rel="noopener">Guide on How to Invest in Rental Properties</a>.&nbsp;

Quick reference guide to investing in rental properties

Guide to Investing in Rental Properties for Extra Income

<div class="entry-content">
Realtors like&nbsp;<a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">San Antonio Real Estate</a>&nbsp;know a lot about running a business from home and even more about what kind of home is best for managing a business, taking both size and location into consideration. Here are some ideas they have for creating the safest and most inviting spaces for greeting guests into your home office.
&nbsp;The world&rsquo;s richest man, Jeff Bezos, started Amazon from a garage in a house he was renting in the suburbs of Seattle. We hear a<a href="https://www.cnbc.com/2021/02/03/jeff-bezos-built-a-1point6-trillion-company-from-nothing-heres-the-legacy-he-leaves-behind.html" target="_blank" rel="noopener">&nbsp;story&nbsp;</a>like that and it&rsquo;s no wonder we want to own and manage our own company. And it&rsquo;s not just Amazon&mdash;Hershey, Mary Kay, and even the Ford Motor Company all began as home-based small businesses. This is not to say yours will become a trillion or even billion-dollar conglomerate, but the appeal of having control over every aspect of your business is a siren song for anyone who&rsquo;s dreamed of starting their own enterprise.
However, today&rsquo;s entrepreneurs may benefit from the current, home-business friendly landscape, other difficulties must be addressed, difficulties that previous home startups did not. Apple, Ben &amp; Jerry&rsquo;s, and Walt Disney did not have to consider&nbsp;<a href="https://www.cdc.gov/coronavirus/2019-ncov/community/workplaces-businesses/index.html" target="_blank" rel="noopener">CDC rules</a>&nbsp;for how to accommodate clients in the middle of a pandemic.
If your home is where you greet clients, customers, or vendors, you&rsquo;ll have to consider their safety as well as your own.
Keeping a clean and uncluttered space is priority number one. If you find yourself too busy to keep things as neat and tidy as your clients expect, invest in a cleaning service. It&rsquo;s not a luxury, it&rsquo;s a legitimate business expense as much as your internet service is. To add another layer to that, keeping your environment free from the spread of Covid is something a&nbsp;<a href="https://www.servpro.com/resources/specialty-cleaning/coronavirus" target="_blank" rel="noopener">professional service&nbsp;</a>is better equipped to handle than you. In between those cleaning services, you&rsquo;ll be responsible for ensuring the areas your clients will use are sanitized after each visit. Wipe down things like doorknobs, stair handrails, and chairs with disinfectant wipes. If your client used the restroom while visiting, wipe down all the surfaces they may have come in contact with. Keeping windows open, having masks available, and installing UV filters for the HVAC are important measures to take to prevent the spread of viruses.
Use natural lighting as much as possible by having drapes open to allow sunlight in and give the space a more open feel. That isn&rsquo;t only for your office area, but for any part of your home that your guests will access. Proper lighting also helps to prevent accidents by giving everyone a full view of their surroundings.&nbsp;<a href="https://www.rugknots.com/blogs/professional-cleaners/best-ways-secure-oriental-rugs-hardwood-floors" target="_blank" rel="noopener">Tacking down rugs</a>&nbsp;to avoid having them be tripping obstacles, as well as cords and wires being kept out of the way, are critical safety points that cannot be overlooked.
Your space should be as aesthetically pleasing as any office in a high-rise building, and in fact, it&rsquo;s easier to make it even more so when your office is in your home. You can add some comfort touches to make your client feel more at ease as long as you don&rsquo;t go overboard, after all, it is a business and not a coffee klatch. Having a<a href="https://thelittlebotanical.com/guide-to-the-best-office-plants/" target="_blank" rel="noopener">&nbsp;plant</a>&nbsp;or two is restful and can add an elegant look. Just be sure there are no brown or drooping stems and leaves since that gives the impression of neglect. For that same reason, the furnishings themselves should be free of stains or tears.&nbsp;<a href="https://www.officedepot.com/a/browse/reception-seating/N=5+593139/" target="_blank" rel="noopener">Seating</a>&nbsp;should be comfortable but easy to clean and maintain. Having interesting pieces of&nbsp;<a href="https://www.lumas.com/home-office/" target="_blank" rel="noopener">artwork on the wall</a>&nbsp;that reflect your personality and your passion can be both a conversation starter and tell your clients a little more about you. Adding some interesting and clever pieces that define your business is smart, too. This is especially true if your meetings are virtual. Having a well-designed image of your company situated behind you during a call is a great marketing tool and a top-of-mind reminder of you and your&nbsp;<a href="https://www.forbes.com/sites/forbesagencycouncil/2016/10/31/why-brand-image-matters-more-than-you-think/?sh=5195d29c10b8" target="_blank" rel="noopener">company brand</a>&nbsp;to all the other participants.
When possible, however, try to do as much offsite as possible. It isn&rsquo;t necessary to bring your vendors in to see you when you can take care of a lot of those needs with online resources. You can easily&nbsp;<a href="https://www.adobe.com/express/create/label" target="_blank" rel="noopener">design your own product labels</a>&nbsp;with free tools that allow you to customize to your heart&rsquo;s content. Take advantage of invoicing and payment software that reduces your need to have in-person contact. Yes, it does take away a bit of the personal touch, but what it lacks in that area, it more than makes up for in safety and productivity.
Having your own business can be a dream come true and running that business from your home can be equal parts ideal and challenging. Following common-sense practices in addition to workplace safety guidelines can help you navigate the sometimes smooth and often choppy seas of being the captain of your own ship.
<a href="https://www.pexels.com/photo/turned-on-black-flat-screen-monitor-on-white-wooden-table-and-chairs-3316924/">Image by Pexels</a>
&nbsp;
</div>

Information for starting your own home based business. 

Greetings From the Home-Based Office

Going through a breakup, starting a new relationship, or moving to a different city? Take advantage of a major life transition to get rid of some of your bad habits. Here are five things you should stop doing when you get a fresh start in life:
Stop Stressing Out About Your Job
If your boss is making you miserable or if you&rsquo;re just bored with your current career, stop complaining about it and dragging down everyone around you. Instead, think about launching your own business. Sure, you&rsquo;ll have to get into the habit of getting yourself motivated to work hard every day, but online formation services are here to help you get your business set up and file the proper paperwork with your state. Think about structuring your business as an <a href="https://www.zenbusiness.com/texas-llc/" target="_blank" rel="noopener">LLC in Texas</a> to get the best tax benefits and protect your personal assets in case of litigation.
Stop Talking to Toxic People
Sometimes, you&rsquo;re so used to hanging out with the same people that you don&rsquo;t realize how toxic they are. Instead of helping you be your best self, they drag you down for fear you might outgrow them, sabotaging your efforts at being a better person. They spread gossip and negativity around, and spending time with them tends to fill you with anxiety. If you feel that some of your relationships may be toxic, start <a href="https://www.artofmanliness.com/people/relationships/how-to-cut-toxic-people-out-of-your-life/" target="_blank" rel="noopener">distancing yourself</a> both physically and emotionally, and seek positive people to surround yourself with, people who will lift you up instead of dragging you down.
Stop Scrolling Through Social Media
Besides being a huge drain on your time, scrolling through other people&rsquo;s online posts can actually make you feel anxious and depressed. Even though you consciously know that those posts are &ldquo;highlight reels&rdquo; and do not really reflect the day-to-day reality of those people&rsquo;s lives, you unconsciously start <a href="https://mantracare.org/therapy/issues/feelings-of-inadequacy/" target="_blank" rel="noopener">comparing your life</a> to what you see on their social media feeds, which leads to feelings of inadequacy and jealousy. So <a href="https://www.psychologytoday.com/us/blog/prescriptions-life/201207/too-much-time-online-makes-you-moodier-lonelier-and-obsessed" target="_blank" rel="noopener">put your phone or tablet down</a> and find more productive ways to spend your time: crossword puzzles and adult coloring books will help you feel more relaxed than watching the latest viral video.
Stop Overspending
A little <a href="https://www.betterhelp.com/advice/therapy/what-is-retail-therapy/" target="_blank" rel="noopener">retail therapy</a> now and then may be an enjoyable way to lift your spirit, but spending too much money on items you don't need just for the sake of shopping is definitely a habit you should lose. Avoid temptations by limiting the time you spend online, where we&rsquo;re constantly bombarded with affiliate links and shiny ads, and don&rsquo;t follow influencers whose job is to make you buy stuff. When you go shopping, get into the habit of <a href="https://joyfullythriving.com/simple-savings-shop-with-a-list/" target="_blank" rel="noopener">writing a list</a> down before you leave the house and stick to it so you don&rsquo;t spend money on superfluous things you don&rsquo;t need.
Stop Eating Unhealthy Snacks
Maybe, like many, you picked up this unhealthy habit once you started working from home full time. But eating <a href="https://reset.me/story/how-processed-food-hijacks-your-brain/" target="_blank" rel="noopener">salty or sugary snacks</a> and other highly processed, high-calorie foods all day, while you&rsquo;re trying to stay motivated without a boss or colleagues around, can lead to weight gain, and such items haven&rsquo;t shown to provide enough sustained energy to make them worth their calories. If you want to stave off <a href="https://www.healthline.com/nutrition/snacking-good-or-bad" target="_blank" rel="noopener">hunger between meals</a>, get into the habit of preparing healthy snacks for yourself and portion them out in advance so you don&rsquo;t overindulge. Opt for foods that have high fiber content, and include a protein like yogurt or string cheese to tide you over until your next meal.
We all have bad habits that can be a drain on our time, our energy, and our wallets. Meeting new people, moving to a new place, or starting a new career offers great opportunities to break up with those bad habits and replace them with healthier ones.
Find your perfect home with <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">jeremiahnewman.com</a>, and learn all about the best places to live in San Antonio, TX.
Image via <a href="https://cdn.pixabay.com/photo/2014/08/26/13/52/light-427961__340.jpg">Pixabay</a>

The Bad Habits You Need to Change to Better Your Life

Are you looking for a fun retirement project that can also be quite lucrative? It can often be difficult for seniors to find work in retirement, but there are many different options <a href="https://www.medicare.org/articles/great-part-time-jobs-for-retired-seniors/" target="_blank" rel="noopener">they can explore</a>. Although it can be a bit more complicated than starting a dog-walking business or working in customer service, house flipping can be a great investment for seniors! In the greater Utica-Rome area, home prices have been steadily <a href="https://www.rate.com/research/utica-ny">increasing</a>, indicating that there is more interest than ever. Seniors who are interested in house flipping can begin purchasing fixer-uppers and working with a professional like <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman of Brown Realty</a> after renovations. Here are a few tips to help aspiring senior house flippers get started.
Exercise Appropriate Caution
Remember, while house flipping can be a profitable and sustainable income stream with the right approach, it can also turn into a costly mistake if you make hasty decisions. As a retiree, you don&rsquo;t want to hurt your portfolio with poor investments.
Yes, buying a fixer-upper is cheap, and it&rsquo;s much more affordable than buying a home that is practically move-in ready, but this also means that you need to be ready to invest in repairs and renovations. And if you don&rsquo;t have the capital to cover these costs, your finances will be adversely affected. Therefore, when you&rsquo;re figuring out your overall budget, don&rsquo;t forget to tack on an extra 20 percent for electrical work, HVAC system upgrades, issues with the foundation, and eliminating mold or asbestos.
So, what should you look for in a fixer-upper to ensure that it&rsquo;s a smart purchase? Ideally, you&rsquo;ll want to look for a home in an up-and-coming neighborhood that primarily requires minor repairs. LendingOne <a href="https://lendingone.com/how-to-spot-an-up-and-coming-neighborhood-for-real-estate-investing/" target="_blank" rel="noopener">states</a> that you can spot neighborhoods that will be smart investment choices by checking out factors like crime reports and the number of new businesses and housing developments in the area. You can also assess whether home prices have been increasing.
Financing Your Purchase
You&rsquo;ve found a property that you would love to buy, flip, and sell - but now, you&rsquo;re wondering how to cover the upfront costs. You&rsquo;ve probably purchased a home before, but buying an investment property of any kind differs from buying a primary residence. In order to finance your new property, FinanceBuzz <a href="https://financebuzz.com/how-to-finance-a-fixer-upper" target="_blank" rel="noopener">states</a> that you could consider applying for an FHA 203(k) Rehabilitation loan, using a credit card with a 0% interest rate, or simply taking out a personal loan.
Register Your Business
Before officially getting into the house-flipping business, you&rsquo;ll need to register your new business with the state. This involves learning about the different business structures available to you. Many business owners register as an LLC, due in part to the tax-related advantages it provides. If you decide to register as an LLC, learn about the guidelines set forth by the state of Arkansas. Working with a formation service can help ensure that all the necessary documentation is filed according to regulations.
Planning for Repairs
Which repairs should you prioritize? Naturally, if there are any serious structural issues to address, like fixing the foundation or replacing the roof, you&rsquo;ll want to take care of it as soon as possible. In addition, you should aim to invest in features that will boost the value of your home. This could <a href="https://www.bankrate.com/loans/home-improvement/cheap-fixes-to-boost-the-value-of-your-home/" target="_blank" rel="noopener">include</a> updating the kitchen appliances, installing a new front door, giving your home a fresh coat of paint, and improving your home&rsquo;s energy efficiency.
Choosing (And Paying) Contractors
You might be able to take on certain renovation projects by yourself, but chances are, you&rsquo;ll need to <a href="https://www.consumeraffairs.com/homeowners/how-to-find-home-remodeling-contractor.html" target="_blank" rel="noopener">hire</a> a few contractors, too. Ask your loved ones for referrals and check out the contractors&rsquo; portfolios before bringing anyone on board. It's always a good idea to check the Better Business Bureau for reputable contractors that warrant their work.
Make sure to decide on reasonable pay schedules with your contractors before the projects begin. If you plan to expand your house flipping project into a full rental business in the future, you will want to <a href="https://squareup.com/us/en/townsquare/how-to-do-payroll-yourself" target="_blank" rel="noopener">invest</a> in a payroll service for any contractors or employees you work with.
For lots of seniors, continuing to bring in income throughout retirement is the best way to feel truly financially secure. House flipping is one way to do that! By following these tips, seniors who are curious about house flipping will be able to get started with a strategy priming them for success.
If you&rsquo;re looking to buy or sell a house, let <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman of Brown Realty</a> help guide you through this process. You can get in touch by calling (210) 789-4216.
Photo via <a href="https://www.pexels.com/photo/faceless-house-painter-undercoating-wall-in-bright-room-5691471/">Pexels</a>

house flipping, tips for seniors, fixer uppers, foreclosed properties, rehab loans

4 Steps Seniors Can Take to Successful House Flipping

This article offers insight on a few things you should keep in mind before you move to a larger city to pursue a new position. 
Are you thinking about leaving life in the country behind to follow a job into the &ldquo;big city?&rdquo; Great. There are many reasons to head to San Antonio, Seattle, Denver, NYC, or any other metropolitan hub. But, before you go, take a minute to pause and decide if you&rsquo;re really ready to uproot your family. Here are some tips.
Find the right real estate partner.
Arguably, the most important step you can take before any move is to find the right real estate agent to represent your best interests. If you&rsquo;re moving to San Antonio, <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> is a smart choice as this real estate professional diligently keeps up with trends and has inside information on San Antonio and the surrounding suburbs. Having the right person in your corner means that you can ask questions and get honest answers about the city, which is especially important if you&rsquo;ve never been there before.
Decide if renting is a better temporary option.
For most of us, the goal when moving is to buy a new home that we can settle into as soon as we arrive. But, this isn&rsquo;t always the best option. If you&rsquo;re leaving the San Antonio area and moving to Denver, for example, you might want to rent temporarily until you get a better feel for the Mile-High City, which is vastly different from living in the Southwest. Listings for <a href="https://www.apartmentlist.com/co/denver" target="_blank" rel="noopener">Denver apartment rentals</a> are easily found online, and you can even take advantage of technology (including 3D tours and virtual walk-throughs) to help you in your search. Even if you&rsquo;re not buying, make sure to move into an area close to entertainment, activities, and other amenities that are important to your family. Most importantly, rent something with enough room for your entire family so that you are not overwhelmed by <a href="https://www.insider.com/tiny-small-apartment-creates-stress-how-to-fix-it-therapists-2021-4" target="_blank" rel="noopener">not having enough space</a> as you also navigate the stress of starting a new job.
Examine your current and expected cost of living.
Cost-of-living is a major factor that contributes to or takes away from our overall quality of life. Before you make a move to any new city, you should examine how much you need to make sure that you can maintain your family&rsquo;s current way of living.&nbsp; If you&rsquo;re moving to <a href="https://worldpopulationreview.com/state-rankings/cost-of-living-index-by-state" target="_blank" rel="noopener">Mississippi, Oklahoma, or Arkansas</a>, you&rsquo;ll likely be able to afford a better home in the city than you would be if you moved to New York, New Jersey, or California. <a href="https://www.mybanktracker.com/blog/find-my-answers/raise-new-job-worth-relocation-295248" target="_blank" rel="noopener">My Bank Tracker also suggests</a> factoring in your new environment, growth potential, and changes in other expenses, such as if you will need to buy a vehicle or will have a longer commute.
Weigh the pros of suburbia against the perks of city life.
There are many benefits to living in a larger city. You likely have access to public transportation, and you almost certainly have more choices when it comes to dining out and grocery shopping. Further, bigger cities have more people and often have much more to do. Seattle, for example, has lots of green spaces and is considered <a href="https://onthegomoving.com/moving-to-seattle/" target="_blank" rel="noopener">a progressive city</a> where health comes first. However, if you are used to rural or suburban life, your family may have trouble adjusting to the fast-paced ways of the city. Something else to think about: people are typically not as outgoing in the city, meaning you may miss out on small talk.
&nbsp;Save money throughout the process.
There&rsquo;s no way to get around the expenses of moving &ndash; your company should provide a relocation package, but it won&rsquo;t cover everything &ndash; so now&rsquo;s a great time to purge belongings you don&rsquo;t need and start packing stuff that you do. Save money throughout the process by planning your move <a href="https://moversville.com/blog/save-money-on-moving" target="_blank" rel="noopener">during the week</a>, comparing costs between several companies, and having a garage sale to raise funds to go toward furniture and other necessities for your new home.
Congratulations on your new job. This might be the first step toward the biggest decision you&rsquo;ll ever make. But, before you say yes to a new salary in the city, weigh the pros and cons, and <a href="https://selling-sanantoniorealestate.com/contact-form/" target="_blank" rel="noopener">call your REALTOR</a>&nbsp;for further guidance.
&nbsp;

Helpful tips for moving to a "Big City" for that New Job

Tips for Relocating to a 'Big City' for that New Job

Buying a new home should be an exciting process, but the current pandemic has made it a bit more stressful than usual. Although things have opened back up, you might still be wondering how you can buy a home during the pandemic and stay safe.
Luckily, there are many online tools that can give you a sense of a home before buying it. In fact, some virtual tools are so helpful that you can close on a house without ever setting foot inside. Below, learn how to rely on real estate listings and discover what tools may be at your disposal.
<h2>Navigating Online Listings</h2>
Learn how to peruse online listings, things to be aware of, and how to find a home that meets your needs.
The Best and Worst Places to <a href="https://www.thebalance.com/best-place-to-find-homes-for-sale-1798280" target="_blank" rel="noopener">Find Homes</a> for Sale Online
Reading Between the Lines: What Real Estate Listings <a href="https://realtydigitalmarketing.com/real-estate-listings/" target="_blank" rel="noopener">Really Mean</a>
10 <a href="https://www.moving.com/tips/10-real-estate-red-flags-to-look-for-when-house-hunting/" target="_blank" rel="noopener">Real Estate Red Flags</a> to Look for When House Hunting
Work with Skilled San Antonio Realtor <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a>
<h2>Virtual Tours, Closing, and Moving</h2>
Technology has made it easier than ever to purchase a home.
Homebuying Through <a href="https://www.apartmenttherapy.com/homebuying-virtual-tours-36747780" target="_blank" rel="noopener">Virtual Tours</a> During Coronavirus
7 Reasons You Don't Need to See a House <a href="https://www.biggerpockets.com/blog/buy-houses-sight-unseen" target="_blank" rel="noopener">Before You Buy It</a>
<a href="https://www.livabl.com/2020/04/home-closing-adapts-covid-19-help-tech.html" target="_blank" rel="noopener">Home Closing Process</a> Adapts to COVID-19 With Help From New Tech
Be Aware of <a href="https://www.homelight.com/blog/buyer-common-repairs-needed-after-home-inspection/" target="_blank" rel="noopener">Common Repairs</a> You May Need to Make Before Moving in
Ensure All Your Records Are in One Place with a <a href="https://www.adobe.com/acrobat/online/merge-pdf.html" target="_blank" rel="noopener">PDF File Merger</a> Tool
It&rsquo;s tough being a buyer when you&rsquo;re concerned about touring homes, but there&rsquo;s still hope. By learning how to use and interpret real estate listings, you quickly move past the homes that aren&rsquo;t worth your time. And by working with an agent who offers virtual tours, you can get a good sense of a home and its neighborhood without actually visiting it.
Image via Pexels
&nbsp;

Tips and Resources for Buying property during the pandemic

Resources for Home Buying During the Pandemic

ArticleDirectorySimple

<h2>Recent Articles</h2>Stay up to date with the latest news from jerrynewmanhomes by checking out the articles below.

Articles

Read the latest real estate articles published by jerrynewmanhomes.