Long Beach Real Estate BlogRecently posted or modified blog postshttps://www.andydanecarter.com/blog/Copyright AndyDaneCarter.com2023-04-03T13:42:29-07:00tag:andydanecarter.com,2012-09-20:25942Property Value: The Role of Location and What You Should KnowWhen it comes to real estate, <a href="https://www.andydanecarter.com/communities/">location</a> is everything. It's the most important factor in determining the value of a property. Even a great property can lose its value if it's in the wrong location. In this blog, we'll explore the role of location in property value and what you should know as a <a href="https://www.andydanecarter.com/buyers/">buye</a>r or <a href="https://www.andydanecarter.com/sellers/">seller.<br /><br /></a>What Makes a Location Desirable?
A desirable location can mean different things to different people, depending on their needs and preferences. However, some factors that generally make a location desirable include:<br /><br />1) Proximity to amenities: Locations that are close to schools, shopping centers, parks, and public transportation tend to be more desirable.<br /><br />2) Safety: People want to feel safe in their homes, so locations that have low crime rates are more desirable.<br /><br />3) Quality of schools: The quality of schools in a location can affect property values, as parents want to provide the best education for their children.<br /><br />4) Access to outdoor activities: Locations with access to outdoor activities such as hiking, biking, and water sports tend to be more desirable.<br /><br />5) Neighborhood character: People want to live in neighborhoods that have a sense of community and a unique character.
What Factors Can Affect Property Value in a Location
In addition to the factors that make a location desirable, several other factors can affect property values in a particular location. These factors include:<br /><br />1) Economic Growth: Locations that are experiencing economic growth tend to have higher property values. This is because growth can lead to increased job opportunities, which can attract more people to the area.<br /><br />2) Transportation: Easy access to transportation can increase the desirability of a location. This can include access to highways, public transportation, and airports.<br /><br />3) Population Density: Areas with a higher population density tend to have higher property values. This is because there is more demand for housing in these areas.<br /><br />4) Zoning and Land Use: Zoning and land use regulations can affect property values. For example, if a property is zoned for commercial use in a residential area, it may decrease the value of nearby residential properties.<br /><br />5) Environmental Factors: Environmental factors such as proximity to bodies of water, natural hazards, and air quality can affect property values.
What Should Buyers Consider When Evaluating a Location?
When evaluating a location as a <a href="https://www.andydanecarter.com/featured-listings/">potential buyer</a>, there are several things to consider:
1) Research the Area: Do your research on the <a href="https://www.andydanecarter.com/alamitos-beach-homes-for-sale/">area</a>, including its demographics, crime rate, and school quality.<br /><br />2) Visit the Area: Visit the area at different times of day and on different days of the week to get a sense of what it's like to live there.<br /><br />3) Evaluate the Neighborhood: Evaluate the neighborhood, including its amenities, character, and accessibility to transportation.<br /><br />4) Consider Future Development: Consider any future development plans in the area, such as new highways or shopping centers, and how they may affect property values.<br /><br />5) Work with a Real Estate Agent: A <a href="https://www.andydanecarter.com/about/agents/">real estate agent</a> can provide valuable insights into the local real estate market and help you evaluate the location's value.
What Should Sellers Consider When Evaluating a Location?
If you're a <a href="https://www.andydanecarter.com/sellers/">seller</a>, there are several things to consider when evaluating your property's location:<br /><br />1) Evaluate the Competition: Evaluate the competition in your area, including the price and quality of similar properties.<br /><br />2) Highlight Desirable Features: Highlight any desirable features of your property and its location in your marketing materials.<br /><br />3) Work with a Real Estate Agent: A<a href="https://www.andydanecarter.com/about/"> real estate agent</a> can provide valuable insights into the local real estate market and help you price your property appropriately.<br /><br />4) Consider Upgrades: Consider making upgrades to your property that can increase its value, such as improving curb appeal or adding energy-efficient features.<br /><br />5) Be Flexible: If you're not getting the offers you want, consider being flexible with your <a href="https://www.andydanecarter.com/sellers/pricing-your-home/">asking price</a> or making adjustments to your <a href="https://www.andydanecarter.com/sellers/marketing-your-home/">marketing strategy</a>.
Conclusion
Location is the most important factor in determining the value of a property. <a href="https://www.andydanecarter.com/buyers/">Buyers</a> and <a href="https://www.andydanecarter.com/sellers/">sellers</a> should understand the factors that make a location desirable and the factors that can affect property values in a particular location. By doing their research, <a href="https://www.andydanecarter.com/communities/">evaluating the neighborhood</a>, and <a href="https://www.andydanecarter.com/contact/">working with a real estate agent</a>, buyers and sellers can make informed decisions about the value of a property based on its location.2023-04-03T13:21:50-07:002023-04-03T13:42:29-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:25744The Benefits and Risks of Buying a House Without Your Partner<a href="https://www.andydanecarter.com/buyers/">Buying a house</a> is a significant financial decision, and it's natural to involve your partner in the process. However, sometimes circumstances might arise where you may have to consider buying a house without your partner. While this may seem like an intimidating prospect, it comes with its own set of benefits and risks. In this blog, we'll explore the advantages and drawbacks of purchasing a house without your partner.
Benefits of Buying a House Without Your Partner:
1) Faster decision-making process: When you're the sole decision-maker, you can move faster in the home-buying process. You don't have to wait for your partner to weigh in on every decision, making the process more efficient.<br /><br />2) Full control over the property: Buying a house without your partner means you'll have complete control over the property. You can make decisions on renovations, upgrades, and even the color of the walls without any pushback.<br /><br />3) Easier financing: If your partner has a lower credit score or a lot of debt, buying a house without them can make financing easier. You'll be evaluated on your own financial situation, which could result in more favorable terms.
Risks of Buying a House Without Your Partner:
1) Unequal financial burden: When you buy a house without your partner, you'll be responsible for the entire <a href="https://www.andydanecarter.com/buyers/mortgage-calculator/">mortgage payment</a>, property taxes, and maintenance costs. This can put a significant financial strain on you if your income is limited.<br /><br />2) Emotional stress: Buying a house is an emotional experience, and doing it alone can be overwhelming. Without your partner's emotional support, you may experience anxiety and stress throughout the process.<br /><br />3) Relationship strain: If you're in a committed relationship, buying a house without your partner can strain the relationship. It may lead to feelings of exclusion and mistrust.
What to Consider Before Buying a House Without Your Partner:
1) Your financial situation: Before making a decision, consider your financial situation. Can you afford the <a href="https://www.andydanecarter.com/buyers/mortgage-pre-approval/">mortgage payments</a>, taxes, and maintenance costs on your own? Will buying a house impact your ability to save for other financial goals?<br /><br />2) The state of your relationship: Consider the state of your relationship before making a decision. Will buying a house without your partner cause issues in your relationship?<br /><br />3) Your long-term goals: Consider your long-term goals before buying a house without your partner. Do you plan on getting married or starting a family in the near future? Will buying a house without your partner affect these plans?<br /><br />In conclusion, <a href="https://www.andydanecarter.com/buyers/personalized-home-search/">buying a house</a> without your partner comes with its own set of benefits and risks. Before making a decision, it's crucial to consider your financial situation, the state of your relationship, and your long-term goals. If you decide to go ahead with the purchase, ensure that you're prepared for the financial and emotional responsibility that comes with it.2023-03-27T06:21:29-07:002023-03-27T06:42:08-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:25637Explore the Rich History and Culture of the Santa Monica Pier: A Must-Visit Destination for AllLocated in the heart of Santa Monica, California, the <a href="https://www.tripadvisor.com/ShowUserReviews-g33052-d104238-r558728286-Santa_Monica_Pier-Santa_Monica_California.html" target="_blank">Santa Monica Pier</a> is a historic landmark that has been attracting visitors for over 100 years. This iconic destination offers a unique blend of history, culture, and entertainment that is sure to delight visitors of all ages. Here are some of the reasons why the Santa Monica Pier is a must-visit destination for all.
History and Culture
The Santa Monica Pier has a rich history that dates back to the early 1900s. Originally built in 1909, the pier was designed to serve as a dock for cargo ships. However, over the years, the pier has evolved into a hub for entertainment and tourism. Today, the pier is home to various attractions, including the Pacific Park amusement park, the Santa Monica Pier Aquarium, and the historic Merry-Go-Round.
In addition to its history, the Santa Monica Pier also offers visitors the chance to explore the local culture. The pier is home to various restaurants, shops, and street performers that showcase the vibrant and diverse community of Santa Monica.
Attractions and Activities
One of the main draws of the Santa Monica Pier is its wide range of attractions and activities. Whether you're looking for family-friendly fun or a romantic date night, there's something for everyone at the pier.
Pacific Park
Pacific Park is an amusement park located on the pier that offers a range of rides and attractions. From the iconic Ferris wheel to roller coasters and games, Pacific Park is the perfect place to have fun with family and friends.
Santa Monica Pier Aquarium
The Santa Monica Pier Aquarium is a must-visit destination for those who are interested in marine life. The aquarium offers interactive exhibits, educational programs, and the chance to see and touch various marine animals.
Merry-Go-Round
The Merry-Go-Round is a historic carousel that dates back to 1922. This beautifully restored attraction is a piece of Santa Monica's history and a fun activity for all ages.
Beach and Ocean Activities
The Santa Monica Pier is also situated on one of the most beautiful beaches in California. Visitors can enjoy swimming, sunbathing, and surfing, as well as other ocean activities such as fishing and whale watching.
Shopping and Dining
The Santa Monica Pier is home to various shops and restaurants that offer a range of cuisines and products. Visitors can indulge in seafood, ice cream, and other treats, while also enjoying unique souvenirs and gifts from local artisans.
Events and Entertainment
The Santa Monica Pier also hosts various events and entertainment throughout the year. From live music to outdoor movies and festivals, there's always something exciting happening at the pier. Be sure to check the pier's website for upcoming events and performances.
<br />The Santa Monica Pier is a must-visit destination for anyone visiting California. Whether you're looking for fun and entertainment or a chance to explore the local culture and history, the pier offers something for everyone. From its amusement park and aquarium to its beautiful beach and ocean activities, the Santa Monica Pier is a unique and memorable experience. So if you're planning a trip to California, be sure to <a href="https://www.tripadvisor.com/ShowUserReviews-g33052-d104238-r558728286-Santa_Monica_Pier-Santa_Monica_California.html" target="_blank">add the Santa Monica Pier to your itinerary</a>.2023-03-20T18:02:38-07:002023-03-21T06:18:39-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:25423Is It Best to Use the Same Agent for Both Buying and Selling a Home?Buying and selling a home are two of the most significant transactions most people will make in their lifetime. As such, it's important to have an experienced and knowledgeable real estate agent by your side to guide you through the process. One question that often arises is whether it's best to use the same agent for both buying and selling a home. In this blog post, we'll explore the pros and cons of using the same agent for both transactions and help you decide if it's the right choice for you.<br /><br />Pros of Using the Same Agent for Both Buying and Selling a Home<br /><br />Convenience: One of the most significant advantages of using the same agent for both transactions is convenience. You won't have to search for a new agent, and you'll already have an established relationship with someone who knows your needs and preferences.<br /><br />Trust: When you use the same agent for both buying and selling, you build a level of trust and rapport that can be beneficial during negotiations. You'll be working with someone you already know and trust, and this can make the process smoother and less stressful.<br /><br />Streamlined communication: With the same agent handling both transactions, you'll have a single point of contact for all your questions and concerns. This can help streamline communication and ensure that everyone is on the same page.<br /><br />Better knowledge of your needs: Because your agent will have worked with you on both buying and selling, they'll have a better understanding of your needs and preferences. This can help them find properties that better match your criteria and ensure that your sale is tailored to your needs.<br /><br />Cons of Using the Same Agent for Both Buying and Selling a Home<br /><br />Lack of objectivity: While having a good relationship with your agent can be beneficial, it can also make it harder for them to be objective. If you're selling a home, your agent may be more inclined to push for a higher sale price to get a bigger commission, even if it's not the best decision for you.<br /><br />Limited perspective: Your agent may have a limited perspective if they only work in one area or specialize in one type of property. This can limit your options when it comes to finding a new home or selling your current one.<br /><br />Conflict of interest: Using the same agent for both buying and selling can create a conflict of interest. For example, your agent may be more interested in finding a new home for you to purchase rather than helping you get the best price for your current one.<br /><br />Limited access to market information: If your agent is handling both transactions, they may have limited access to market information. This can make it harder for them to negotiate the best price for you, whether you're buying or selling.<br /><br />Is It Best to Use the Same Agent for Both Buying and Selling a Home?<br /><br />Ultimately, the decision to use the same agent for both buying and selling a home will depend on your personal preferences and circumstances. If you value convenience and trust, using the same agent can be a great choice. However, if you're concerned about objectivity, conflict of interest, or limited perspective, you may be better off working with different agents for each transaction.<br /><br />Regardless of whether you choose to use the same agent or different agents, it's essential to find someone who is experienced, knowledgeable and has your best interests in mind. Take the time to interview multiple agents, ask for references, and review their past sales to ensure you find the right fit.<br /><br /><br />Choosing an agent to represent you during a home purchase or sale is an important decision. Whether you choose to use the same agent for both transactions or work with different agents, it's essential to find someone you trust and who has your best interests in mind. By doing your research and carefully considering your options, you can find an agent who will help you achieve your real estate goals and guide you through the process with confidence.<br /><br />If you're in the market to buy or sell a home, we invite you to contact us at Andy Dane Carter. Our experienced team of real estate professionals is dedicated to helping our clients achieve their goals and find the perfect home. Whether you're a first-time homebuyer or an experienced investor, we have the knowledge and expertise to guide you through the process with ease. <a href="https://www.andydanecarter.com/">Contact us today</a> to learn more and get started on your real estate journey!2023-03-12T17:23:59-07:002023-03-12T17:30:03-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:25292How to Help Your Child Purchase a House, Even if You're Not WealthyBuying a house can be a daunting task, especially for young adults who are just starting their careers. However, with the right guidance, planning, and support, even those who aren't wealthy can help their children purchase their first home. Here are some tips on how to help your child buy a house, even if you're not wealthy.
Start Early
It's important to start planning for your child's future early on, even before they're born. Start by saving and investing in a college fund, and continue to set aside money each month for their future home. Encourage them to do the same by opening a savings account or investing in stocks. The earlier you start, the more time your money has to grow and accumulate.
Consider Co-Signing
One way to help your child qualify for a mortgage is by co-signing on the loan. This can be a great option if your child has a good credit score but not enough income to qualify for a mortgage on their own. However, it's important to remember that co-signing comes with risks. If your child defaults on the loan, you will be responsible for the payments.
Gift Funds for a Down Payment
Another way to help your child purchase a house is by gifting them funds for a down payment. This can be a great option if you have the financial means to do so. The IRS allows individuals to gift up to $15,000 per year without incurring a gift tax. If you're married, you can gift up to $30,000 per year.
Consider a Family Loan
If you don't have the financial means to gift funds for a down payment, you may consider a family loan. This can be a great option if you have cash that you can lend to your child without putting your own finances at risk. A family loan can be structured with an interest rate and repayment schedule, just like a traditional loan.
Help with Closing Costs
Closing costs can add up quickly and can be a major obstacle for many first-time homebuyers. You can help your child by offering to pay for some or all of the closing costs. This can be a great way to reduce the financial burden on your child and help them get into their new home.
Explore First-Time Homebuyer Programs
There are many first-time homebuyer programs available that can help your child qualify for a mortgage with a lower down payment and lower interest rate. These programs vary by state, so it's important to research what's available in your area.
Encourage Smart Homebuying Decisions
While it's important to help your child purchase a house, it's also important to encourage smart homebuying decisions. This includes researching the housing market, choosing a home within their budget, and understanding the financial responsibility that comes with homeownership. Encourage your child to work with a reputable real estate agent and mortgage broker to ensure they're making informed decisions.
In conclusion, helping your child purchase a house is a big decision, but with the right planning, support, and guidance, even those who aren't wealthy can make it happen. Start planning early, consider co-signing or gifting funds for a down payment, explore first-time homebuyer programs, and encourage smart homebuying decisions. With your help, your child can achieve the dream of homeownership and build a solid foundation for their future.2023-03-05T07:46:38-07:002023-03-05T07:49:45-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:25160What Challenges Might Homebuyers Encounter in 2023?The year 2023 is expected to be a pivotal year for the housing market. While interest rates remain hovering at the same level that we saw in 2022, home prices continue to rise, making it increasingly challenging for many to purchase a home. In this blog, we will discuss some of the challenges that homebuyers may encounter in 2023.<br /><br />Limited inventory<br />One of the biggest challenges that homebuyers may face in 2023 is the effects of limited inventory. The demand for homes has been high, but the supply of homes available for sale has been limited, resulting in increased competition among buyers. This limited inventory is expected to continue in the coming years, making it difficult for homebuyers to find their dream home.<br /><br />Rising home prices<br />The housing market has been on an upward trend in recent years, and home prices have been rising at an alarming rate. The low inventory and high demand for homes have driven prices up, and this trend is expected to continue in 2023. As home prices continue to rise, it will become increasingly challenging for first-time homebuyers to enter the market.<br /><br />Competition from cash buyers<br />In recent years, the number of cash buyers in the housing market has increased significantly. These buyers have a competitive advantage over those who rely on financing, as they can close deals quickly without having to wait for financing approval. This trend is likely to continue in 2023, making it more challenging for buyers who rely on financing to purchase a home.<br /><br />Strict lending standards<br />Lending standards have become more stringent in recent years, and this trend is expected to continue in 2023. This means that homebuyers may face more challenges when it comes to securing financing. Lenders will require higher credit scores and lower debt-to-income ratios, which may make it difficult for some buyers to qualify for a mortgage.<br /><br />Rising interest rates<br />Although interest rates remain around the same levels that we saw in 2022, there is speculation that they may rise as we get into the heart of 2023. If interest rates increase, this will make it more expensive for homebuyers to finance their homes. As a result, it may become more difficult for some buyers to afford their monthly mortgage payments.<br /><br />Student loan debt<br />Many homebuyers are burdened with student loan debt, which can make it challenging to qualify for a mortgage. In 2023, this trend is expected to continue, as student loan debt continues to rise. This may prevent some buyers from entering the housing market, as they may not be able to afford a mortgage payment on top of their student loan debt.<br /><br />In conclusion, homebuyers are likely to face several challenges in 2023. These challenges include limited inventory, rising home prices, competition from cash buyers, strict lending standards, rising interest rates, and student loan debt. Despite these challenges, there are still opportunities for homebuyers to enter the market, such as <a href="https://www.andydanecarter.com/contact/">working with a real estate professional</a>, exploring alternative financing options, and staying informed about market trends. With the right strategy, <a href="https://www.andydanecarter.com/buyers/">homebuyers</a> can overcome these challenges and achieve their dream of homeownership.2023-02-27T11:01:10-07:002023-02-27T11:07:48-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:25031Will the Younger Generation Be Able to Own a Home?The dream of owning a home has been a cornerstone of the American dream for generations. However, with rising home prices, student loan debt, and other financial challenges, many younger people are finding it difficult to achieve this goal. In this blog post, we will explore some of the factors that are making it difficult for the younger generation to own a home and what can be done to overcome these challenges.<br /><br />Rising Home Prices<br /><br />One of the most significant challenges facing younger people today is rising home prices. According to the National Association of Realtors, the median existing-home price in the United States was $310,600 in 2020, up from $274,500 in 2019. While this is good news for homeowners, it makes it more difficult for younger people to save up for a down payment and afford monthly mortgage payments.<br /><br />The solution to this problem may lie in finding more affordable housing options. This could include building more affordable housing units or encouraging the development of smaller, more energy-efficient homes. Another solution could be to look for homes in less expensive areas, although this may mean moving farther away from urban centers or job opportunities.<br /><br />Student Loan Debt<br /><br />Another major obstacle for younger people looking to buy a home is student loan debt. The average student loan debt in the United States is over $32,000, which can make it difficult to save up for a down payment or qualify for a mortgage. In some cases, student loan payments can be higher than a mortgage payment, making it difficult to afford both.<br /><br />One solution to this problem is to explore alternative financing options. This could include taking advantage of government programs such as FHA loans or exploring mortgage options that are designed for people with lower credit scores or high levels of debt. Another option is to consider refinancing student loans to lower monthly payments and free up more money for saving for a down payment.<br /><br />Income Inequality<br /><br />Income inequality is a significant issue in the United States, and it is particularly challenging for younger people who are just starting their careers. According to the Economic Policy Institute, the median wage for workers under the age of 25 is $11.65 per hour, which is barely enough to cover basic living expenses, let alone save for a down payment on a home.<br /><br />To address this issue, policymakers could explore increasing the minimum wage or offering tax breaks to companies that pay their workers a living wage. Another option is to encourage the development of industries that offer higher-paying jobs for younger people, such as technology or renewable energy.<br /><br />Limited Access to Credit<br /><br />For many younger people, the challenge of owning a home is not only about income or debt, but also access to credit. Banks and other financial institutions are often hesitant to lend money to people with little credit history or a high level of debt, which can make it difficult for younger people to qualify for a mortgage.<br /><br />To overcome this challenge, younger people can take steps to build credit, such as paying bills on time, opening a credit card, or taking out a small loan. They can also explore alternative financing options, such as working with community banks or credit unions that may be more willing to work with borrowers who have less credit history.<br /><br />In conclusion, the dream of owning a home remains a significant goal for younger generations. However, there are several challenges that must be overcome, including rising home prices, student loan debt, income inequality, and limited access to credit. By exploring alternative financing options, building credit, and working to address these larger societal issues, it is possible for younger people to achieve the dream of homeownership. As a society, we must work together to ensure that the younger generation has access to the same opportunities that previous generations had and that they are not left behind in the pursuit of the American dream.<br /><br />If you're a younger person looking to own a home, don't give up on your dream! Explore alternative financing options, build your credit, and work to address larger societal issues. And if you're ready to take the first step towards homeownership, consider reaching out to a trusted real estate agent in your area who can help guide you through the process. With the right tools and resources, you can achieve the American dream of owning a home.2023-02-21T08:12:39-07:002023-02-21T08:14:30-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:24844Identifying a Skilled Real Estate Agent: 7 SuggestionsWhen you're in the market to buy or sell a property, finding the right real estate agent can make all the difference. With so many options out there, it can be difficult to know where to start. To help you find the best real estate agent for your needs, we've put together seven key strategies to guide you in your search.<br /><br />Ask for Recommendations<br />One of the most effective ways to find a skilled real estate agent is to ask for recommendations from friends, family, and colleagues. Word-of-mouth referrals are often the most trustworthy sources of information, and they can provide valuable insights into an agent's reputation, experience, and performance.<br /><br />Check Online Reviews<br />In addition to asking for recommendations, it's also a good idea to check online reviews. Sites like Zillow, Redfin, and Yelp allow users to rate and review real estate agents, so you can get a good idea of their track record and level of customer satisfaction.<br /><br />Look at Sales Volume and Experience<br />A skilled real estate agent is often one who has a high sales volume and a wealth of experience. You can usually find this information on an agent's website or by checking the National Association of Realtors' database. Agents with high sales volume are likely experienced and knowledgeable about the market, and they will have a solid understanding of the buying and selling process.<br /><br />Ask for a Consultation<br />Before you choose a real estate agent, it's a good idea to schedule a consultation with a few different agents. During these consultations, you can ask questions about their experience, their approach to working with clients, and their track record. This will give you a better sense of each agent's expertise and help you make an informed decision.<br /><br />Consider Communication and Responsiveness<br />When working with a real estate agent, effective communication is key. You want an agent who is responsive to your needs and who is willing to keep you informed throughout the buying or selling process. You can gauge an agent's communication skills during your consultation or by reaching out to them with questions or concerns.<br /><br />Look for Specialized Expertise<br />Depending on your needs, you may want to look for a real estate agent with specialized expertise in a specific area, such as luxury homes, investment properties, or first-time homebuyers. Agents with specialized expertise are often better equipped to handle complex transactions and to provide you with the guidance and support you need.<br /><br />Check Their Professional Affiliations<br />Finally, it's important to check a real estate agent's professional affiliations. Agents who belong to professional organizations, such as the National Association of Realtors, are held to higher standards of ethics and professionalism, so you can feel confident in their expertise and level of care.<br /><br />In conclusion, finding a skilled real estate agent is an important part of the buying or selling process. By using these seven key strategies, you can ensure that you find an agent who is experienced, knowledgeable, and able to provide you with the guidance and support you need to make your transaction a success.<br /><br />If you're ready to start your search for the best real estate agent, let us help. <a href="https://www.andydanecarter.com/contact/">Contact us today</a> to schedule a consultation and <a href="https://www.andydanecarter.com/property-search/search-form/">start the journey to your dream property.</a>2023-02-13T07:19:23-07:002023-02-13T07:22:07-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:24671Valentine's Day Dining: The Best Restaurants In Long Beach To Enjoy With Your PartnerValentine’s Day is the perfect time to celebrate love and express your affection for your significant other. Whether you are in a new relationship or have been together for years, it is always great to spend quality time together. One of the best ways to do this is by indulging in a delicious meal at one of the best restaurants in Long Beach, California. Whether you prefer a romantic and intimate atmosphere, or a more lively and energetic one, Long Beach has something to offer everyone. So, if you are looking for the perfect spot to celebrate this Valentine’s Day with your partner, here are some of the best restaurants in Long Beach, California to choose from.<br /><br /><a href="https://www.michaelsonnaples.com/">Michael’s on Naples Ristorante</a>
If you are looking for a romantic and intimate atmosphere, Michael’s on Naples Ristorante is a perfect choice. With its warm and cozy ambiance, you will feel like you are in your own little world, away from the hustle and bustle of the city. The menu is inspired by classic Italian cuisine, with a focus on locally-sourced ingredients. From their handmade pasta dishes to their delicious seafood, every meal at Michael’s on Naples Ristorante is a culinary adventure.
<a href="https://parkerslighthouse.com/">Parkers’ Lighthouse</a>
Parkers’ Lighthouse is the perfect choice for those looking for a romantic and upscale dining experience. This iconic Long Beach restaurant is located on the water, offering stunning views of the ocean and the marina. The menu features fresh seafood and hand-cut steaks, as well as a variety of other menu options. Whether you are in the mood for something light and refreshing, or a more hearty and indulgent meal, Parkers’ Lighthouse has something to offer everyone.<br /><br /><a href="https://www.roscoeschickenandwaffles.com/location/roscoes-long-beach/">Roscoe’s House of Chicken & Waffles</a>
For those who love a more lively and energetic atmosphere, Roscoe’s House of Chicken & Waffles is the perfect choice. This classic American restaurant is known for its juicy fried chicken and fluffy waffles. The menu features a variety of Southern-style comfort foods, from macaroni and cheese to collard greens, and everything in between. If you and your partner love comfort food, this is the perfect spot for you.
<a href="https://www.yelp.com/biz/the-federal-long-beach-long-beach">The Federal Bar</a><br />
The Federal Bar is the perfect choice for those who love a little bit of history with their meal. This historic restaurant is located in a former bank building and is known for its classic American cuisine and craft cocktails. The menu features a variety of dishes, from burgers and fries to grilled salmon, and everything in between. With its warm and cozy ambiance, The Federal Bar is the perfect spot for a romantic evening out.<br /><br />No matter what kind of dining experience you are looking for this Valentine’s Day, Long Beach has something to offer everyone. Whether you prefer a romantic and intimate atmosphere, or a more lively and energetic one, these restaurants will provide you and your partner with an unforgettable dining experience.<br /><br />So, don’t wait any longer. Treat your significant other to a special night out at one of these amazing restaurants in Long Beach, California. Book your table today and make this Valentine’s Day one to remember!<br /><br />Looking for the perfect spot to celebrate Valentine’s Day with your significant other? Look no further! Book your table at one of these amazing restaurants in Long Beach, California today and make this Valentine’s Day one to remember!2023-02-05T19:22:23-07:002023-02-05T19:27:44-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:24493Essential Details To Pay Attention To When Purchasing a New HomePurchasing a new home is an exciting, but also overwhelming, experience. With so many things to consider, it's easy to get bogged down in the details and overlook important aspects of the process. In this blog, we'll take a closer look at some of the essential details you need to pay attention to when purchasing a new home.<br /><br />Location: One of the most important factors to consider when purchasing a home is the location. The location of your home will impact your quality of life and play a big role in determining its resale value. When choosing a location, consider factors such as the proximity to schools, shopping, public transportation, and recreation.<br /><br />Home size: The size of your home is another important factor to consider. Consider your lifestyle and the size of your family when choosing a home. You want to make sure that you choose a home that is the right size for you and your family and provides enough space for everyone to be comfortable.<br /><br />Home style: The style of the home is another important consideration. Do you prefer a traditional home, a modern home, or something in between? When choosing a home, consider the style that you prefer and the style of homes in the surrounding area.<br /><br />Home features: The features of the home are also important to consider. When choosing a home, think about the features that are most important to you, such as a fireplace, a large backyard, or a spacious kitchen. Make a list of the features that you must have and those that you would like to have but can live without.<br /><br />Home condition: The condition of the home is another important factor to consider. When viewing a home, pay close attention to its condition, including the condition of the roof, the windows, and the plumbing and electrical systems. If the home requires significant repairs or renovations, you may need to factor these costs into your budget.<br /><br />Home inspection: A home inspection is an essential part of the home-buying process. A home inspector will inspect the home to identify any potential issues or problems that may impact the value of the home or the quality of your living experience. The results of the home inspection will give you an understanding of the condition of the home and any potential repairs that may need to be made.<br /><br />Homeowners association (HOA): If you're purchasing a home in a planned community, you may be subject to the rules and regulations of a homeowners association (HOA). Before purchasing a home, make sure you understand the responsibilities and obligations associated with being a member of an HOA, and consider whether the HOA is a good fit for you and your family.<br /><br />Home price: The price of the home is another important factor to consider. Make sure you have a clear understanding of what you can afford and take the time to get pre-approved for a mortgage. When making an offer on a home, consider the condition of the home, the location, and the market conditions.<br /><br />Closing costs: Closing costs are another important factor to consider when purchasing a home. Closing costs can include fees such as title insurance, property taxes, and other fees associated with the purchase of a home. Make sure you understand the closing costs associated with your home purchase and factor them into your budget.<br /><br />Future plans: Finally, it's important to consider your future plans when purchasing a home. Will you be living in the home for a few years or are you planning on living in the home for many years to come? When choosing a home, consider the long-term implications of your purchase and make sure the home is a good fit.<br /><br />Don't miss out on the opportunity to make your dream of homeownership a reality. By paying attention to these essential details, you can ensure that you make an informed decision and purchase a home that fits your needs and lifestyle.<br /><br /><a href="https://www.andydanecarter.com/">Andy Dane Carter Realty is here to help you every step of the way</a>. Whether you're a first-time <a href="https://www.andydanecarter.com/property-search/search-form/">home buyer</a> or a seasoned homeowner, we can help you navigate the home-buying process and find the perfect home for you.<br /><br />Don't wait any longer. <a href="https://www.andydanecarter.com/contact/">Contact us today to schedule a consultation</a> and get started on your journey to homeownership. Let us help you make the right decision and find the home of your dreams.2023-02-02T06:40:54-07:002023-02-02T06:43:36-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:24341Can You Expect Lower Mortgage Rates Later in 2023?One of the most important factors influencing the housing market is mortgage rates. The mortgage rate is the interest rate that a borrower pays on a mortgage loan, and it can have a significant impact on the affordability of a home and the overall health of the housing market.
In recent years, mortgage rates have been on a downward trend, with average rates dropping from around 5% in 2018 to around 3% in 2020. However, the question on many people's minds is whether or not mortgage rates will continue to trend upwards or drop closer to the 2020 levels as we head into the heart of 2023.
There are a few factors that can impact mortgage rates in 2023. The Federal Reserve's monetary policy is one of the most important factors, as they have the power to influence interest rates. The Fed has been keeping interest rates around 6% in order to hedge against inflation. However, as the economy starts to recover, the Fed is expected to start raising interest rates even higher. This, in turn, will cause mortgage rates to rise.
However, it's important to keep in mind that the mortgage rate is not directly controlled by the Federal Reserve or the government, but they are closely tied to the broader economy and monetary policy. Therefore, there is a degree of uncertainty regarding the prediction of the mortgage rate.
So, what does this mean for home buyers and sellers? For buyers, a drop in mortgage rates could mean more affordable home prices and potentially more buying power. However, if mortgage rates do not drop, it could make homes less affordable and lead to increased competition for homes.
For sellers, a drop in mortgage rates could lead to more activity in the housing market and potentially higher home prices. However, if mortgage rates do not drop, it could lead to less activity in the housing market and potentially lower home prices.
In conclusion, it is uncertain whether or not mortgage rates will drop later in 2023. The direction of mortgage rates is closely tied to the overall state of the economy and monetary policy. As a buyer or seller, it's important to be aware of the current market conditions and to work with a real estate professional who can help you navigate the market.
If you're thinking of <a href="https://www.andydanecarter.com/buyers/">buying</a> or <a href="https://www.andydanecarter.com/sellers/">selling a home</a>, it's important to stay informed about the current mortgage rates and market conditions. <a href="https://www.andydanecarter.com/contact/">Contact us today and get the expert guidance you need</a> to make the most of your next real estate transaction. Don't wait, the market is always changing, and you don't want to miss out on the opportunity.2023-01-23T13:32:21-07:002023-01-23T15:59:42-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:24212How Will Home Prices Change in 2023? A Look at Housing Market PredictionsAs we move into 2023, many homeowners and potential buyers are wondering what the housing market will look like in the coming year. While it's impossible to predict the future with certainty, there are a number of experts who have weighed in on their housing market predictions for 2023. Let's take a look at some of the most notable predictions and explore what they could mean for home prices in the coming year.<br /><br />One of the most commonly cited predictions for the housing market in 2023 is that home prices will continue to rise. Home prices are projected to increase by around 3.5% in 2023. This would be in line with the rate of home price growth seen in recent years, which has been driven by a shortage of available homes for sale and strong demand from buyers.<br /><br />Another prediction for the housing market in 2023 is that interest rates will remain or hover around the same level that we see today. This, in turn, could make it more affordable for people to purchase a home, which could help to support home price growth.<br /><br />Another prediction for 2023 is that the market for new homes will increase. According to the National Association of Home Builders, there is a significant shortage of new homes on the market, which is pushing prices higher. This prediction is based on the expectation that builders will increase the construction of new homes to meet the high demand in the market.<br /><br />While experts are predicting that home prices will continue to rise in 2023, they also believe that the pace of growth may slow down. According to the National Association of Realtors, home price growth is expected to slow to around 2% to 3% in 2023, down from the 7% to 8% seen in recent years.<br /><br />Additionally, experts believe that the housing market in 2023 will be affected by the overall economic situation. Factors such as unemployment rates, consumer confidence, and interest rates could all play a role in determining how home prices change in 2023.<br /><br />In conclusion, while no one can predict the future with complete certainty, experts have provided some insight into what the housing market may look like in 2023. Home prices are expected to continue to rise, but the pace of growth may slow down. Interest rates are expected to remain low, and the market for new homes is expected to increase. However, the overall economic situation will also play a role in determining how home prices change in 2023. As always, it's important to keep an eye on local market trends and <a href="https://www.andydanecarter.com/contact/">consult with a real estate professional for the most accurate information.</a>2023-01-17T14:27:12-07:002023-01-17T14:35:33-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:23981The Legend Of The Crooked Duck<a href="https://www.thecrookedduck.com/">The Legend of the Crooked Duck</a> is a beloved tale that has been passed down through the generations at the Rooney family's summer house on Island Lake in Illinois. It all started when a young Joseph Rooney was told the story by his uncle, who had witnessed the miraculous event himself.
According to the legend, a man was out water-skiing on the lake when he accidentally hit a duck. Everyone on the boat was horrified, thinking they had killed the poor bird. But as they sat there in shock, the duck started to move and swim towards the shore in a peculiar manner. When it reached the shore, it waddled away, its neck now visibly crooked.
Over time, the duck with the crooked neck became a familiar sight to those out on the lake, a testament to the resilience and determination of the animal. It was a story that young Joseph never forgot, and it stayed with him throughout his life.
Now, years later, Joseph has opened up his own restaurant, The Crooked Duck, as a tribute to that legendary bird. The restaurant, located in Long Beach, CA offers a wide range of dishes that are sure to please any palate. From classic American fare to international flavors, there's something for everyone at The Crooked Duck.
But the restaurant is more than just a <a href="https://www.thecrookedduck.com/menu">place to grab a bite to eat</a> - it's a celebration of the enduring spirit of the crooked duck. As you dine on delicious food, you can't help but be reminded of the resilience and determination of that little bird, who fought through adversity to keep on swimming.
So if you're in the Long Beach area and looking for a great meal and a good story, be sure to check out The Crooked Duck. Not only will you enjoy some fantastic food, but you'll also get to be a part of the legend of the crooked duck - a story that has touched the hearts of many and will continue to do so for generations to come.
If you are in a rush, check out their ability to <a href="https://crookedduck.hrpos.heartland.us/menu">order online</a>. You will be happy you did!2023-01-09T09:47:06-07:002023-01-09T09:53:47-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:23870Why Owning A Home Is One Of The Strongest Ways To Establish WealthOwning a home is a cornerstone of the American dream. The run-up in home prices during the housing bubble of the 2000s led to its crash and nearly a decade of sluggish housing demand. Buying a home is expensive and comes with risks. But as with most things, there are upsides to owning a home.<br /><br /> In addition to the obvious tax advantages and the fact that your money is going towards something you can call your own, home ownership also can play a significant role in improving your financial security in the long term.<br /><br /> If you’re renting, it’s easy to let your money sit there. You don’t have to think about where it’s going or what it’s doing for you. But if you own a home, you must maintain it and pay for property taxes and insurance. That means every month, a certain percentage of your income is going towards something that will grow over time, meaning that as time goes on, it will be easier for you to build equity in the house instead of just letting money sit there.<br /><br /> Over time, building equity allows you to borrow against the value of your home and use those funds for other investments or purchases. You might be able to take out a home equity loan or a home equity line of credit, which are both ways to get cash out of your house. The benefit is that you don’t have to pay interest on the money you borrowed because it’s tied to the value of your home.<br /><br /> If you want to take out a home equity loan, for example, you’ll borrow up to a certain percentage of the value of your home and then pay it back over time with interest. With a home equity line of credit, instead of borrowing a fixed amount upfront and paying back with interest, you can borrow as much as you need over time (up to a specific limit) and pay it back without interest.<br /><br /> The problem with these loans is that they can be expensive – sometimes more expensive than other types of loans. And if you miss payments or don’t pay off your loan in full when it comes due, then some severe penalties are involved. <br /><br /> This is a great way to finance investments or purchases you can’t afford to buy outright. But it’s important not to use your home equity for frivolous things. It’s there in case of an emergency or for something that will make your life better in the long run.<br /><br /><br /> The benefits of home ownership go beyond the financial. If you own your home, it’s yours. You can fix it any way you want and make it your personal space. You can paint it any color you desire or put it in a new kitchen, or add a pool out back. <br /><br /> The downside of owning a home is that it costs money to buy and maintain it over time. But for most people in their 20s and 30s, buying a house is probably the best investment they can make because of how quickly homes appreciate over time. If you believe in a place now and hold onto it for 20 years or more, chances are that when (or if) you sell it, the value will have increased dramatically from when you bought it.2023-01-04T08:12:24-07:002023-01-04T08:19:19-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:23731America's New Years Celebration: Tournament of Roses ParadeThe Tournament of Roses America's New Year Celebration was first held in 1886 and is the oldest annual festival in the United States. The two-day event features a variety of competitions for different age groups and activities such as beauty pageants, horse racing, and golf. This event is perfect for enjoying some time with your family or friends while celebrating the new year. This article will describe what the event offers, so you know what to expect when coming down to Pasadena, CA, this New Year's Day. The traditions that come with this event are one of the main reasons why people constantly travel down to attend.
Rose Parade
The Rose Parade is the most famous in America with the longest-running tradition. This event has been around for over 100 years and is usually watched by millions of people. This event happens every year in Pasadena, CA, and is characterized by extravagant floral floats and marching bands from around the world. The Rose Bowl football game follows the event. However, the parade is the main attraction.
Traveling about 5 miles of Colorado Boulevard in Pasadena, the parade features over 200,000 flowers and plants and over 12,000 parade participants. The floats contain multiple scenes of both American culture and the rose flower. Each year, different themes are used in some of the floats to capture an audience. Some groups come from all around the world to apply for this event because it is such a great honor to be chosen to design one of the floral floats.<br /><br /> 2023 Rose Parade Theme
The parade theme will be "Turning The Corner" in 2023. This year's theme will revolve around turning a new page in life and being able to start with a clean slate. The parade theme based on the global pandemic Covid19 was a substantial contributing factor in the role of this event. The parade also gives time for people to be social with their family and friends as everybody is forced together for a day filled with fun and excitement.<br /><br /> The Rose Bowl Classic Football Game
The Rose Bowl Game has always been essential to the Tournament of Roses celebration. It is one of the most widely watched college football games in the United States, and on new years day, it is the last game of the football season. The Rose Bowl Game has been hosted in Pasadena, CA, since 1922. The Rose Bowl Game has a history of being the first ever televised, being one of the oldest still in existence, and has been televised for the past 90 years. The game is always a great way to end the college football season with a bang and is watched by millions of people every year. The Rose Bowl Game was played initially between teams from the Big 12 until 2011 when it became a sporting event.<br /><br /> If you need things to do in Long Beach for the New Year celebration, you can always look into other activities in the area to help make your time spent as enjoyable as possible. The Rose Parade is always a great event to continue down into history as one of the major attractions of this event. The Rose Bowl Game will always have a way of tying in with the rest of the Tournament Of Roses America's New Year Celebration.2022-12-27T14:19:37-07:002022-12-27T14:22:49-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:23607Is The House You Wanted Last Year Now Out Of Your Budget? Here's What To DoThe increase in home prices has many of us considering drastic measures to get into the housing market. And with home prices expected to continue rising, we can be sure that more of you will find yourselves in this situation.<br /><br /> 1. Consider a starter home
.With increasing inflation and housing rates, many young couples and families are considering staying in starter homes for a more extended period rather than jumping into a more expensive house that may not feel like home. Starter homes are well-built, move-in-ready homes that are typically in good condition. The buyer's ability to get into the market without as much money down is partially made up for the small budget for a starter home. The benefits of moving into a starter home can be twofold. First, you can get into the market with a small down payment and have more of your savings available for improving and furnishing the home to make it feel like your own. The second benefit is that you get more time in your starter home, increasing overall happiness and providing valuable family memories.<br /><br /> 2. Drive a hard bargain
The market shift means many of us are now faced with the choice of paying market prices for a new home or negotiating a relatively cheaper deal than we have now. If you cannot afford a house you want at the time, then you may have to be willing to settle for something that falls within your budget. Since your home is already paid for, you will most likely not get the total asking price for it. So start by looking around and see if there are any homes in foreclosure auctions that would be suitable for you. Sellers and buyers are much more willing to negotiate deals when the property is in foreclosure. <br /><br /> 3. Continue to save
In case you haven't noticed, the housing market is hot now. With home prices rising to ridiculous levels, there's a strong chance that you'll be able to land a better deal on just about any house. And if you're able to get within reach of your budget, there's no reason you shouldn't continue saving regularly.<br /><br /> 4. Get pre-approved
Mortgages can pre-approve you for a mortgage before you even apply. This can allow you to make an extremely informed decision before ever walking into the booth. If you can secure a pre-approval, you will want to be able to get in writing the terms and conditions of your loan. Communicating the terms and conditions of the loan makes it easier for a lender to evaluate your application and make an offer on your behalf. <br /><br /> 5. Wait
Waiting is sometimes the best way to get into a home you can afford. If you find an opportunity to buy a property at a price within your budget, jump on it. However, if it is not within your budget, don't force yourself into a situation where you cannot purchase something you would like. Hold off on viewing properties until the house you want is within your budget. Save up a little more money and then jump into the market.2022-12-18T19:47:41-07:002022-12-18T20:06:55-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:23451What Documents Are Needed For Mortgage Pre-approval?Getting pre-approved for a mortgage is an important step in the home-buying process. It shows that you are serious about purchasing a home and gives you an idea of how much house you can afford. In order to get pre-approved, you will need to provide your lender with some documentation. Here are the documents needed for mortgage pre-approval.
Personal Identification
The first thing you will need to provide your lender is some form of personal identification. The identification document should have a photo and must have been issued by the Government. It can be a driver's license, passport, or state ID. Your lender will use this to verify your identity and make sure you are who you say you are.<br />
Proof of Income
In order to get pre-approved for a mortgage, you will need to prove that you have a steady income. You can do this by providing your lender with pay stubs, tax returns, and other documentation that shows how much money you make. Your lender will use this information to determine how much you can afford to pay for your mortgage monthly.<br />
Proof of Assets
Another important piece of documentation that you will need to provide your lender is proof of assets. This includes bank statements, investment account statements, and other documentation showing how much money you have in savings. The lender will use this information to determine your down payment and how much of a loan you can qualify for.<br />
Proof of Employment
You will need to show proof of employment. This includes a letter from your employer stating your position, salary, and length of employment. This information helps the lender determine if you have a steady income and are likely to continue to have a steady income in the future.<br />
Investments and Debt
You will also need to provide documentation of any investments or debt. This includes stocks, bonds, and other investments. You will also need to provide documentation of any outstanding debt, such as student loans, car loans, or credit card debt. The mortgage provider will use this information to determine your financial stability and ability to repay the loan.<br />
Credit Report
This report will show the lender your credit history and help them determine if you are a good candidate for a mortgage loan. The credit report will also help the bank determine what interest rate to offer you.<br />
Retirement Income
If you are retired, you must provide documentation of your retirement income. This can include a pension, Social Security, or other forms of income. The bank will use this information to determine your capacity to repay the loan.<br /> These are the documents needed for mortgage pre-approval. Providing these items to your lender will help them determine how much house you can afford and what interest rate to offer you. Gathering all of these items before you begin the home-buying process is important. Doing so will make the process go more smoothly and help you get into your new home faster.2022-12-09T11:18:49-07:002022-12-09T11:22:07-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:23321Time To Close On A Home? Here's Everything You Need To Bring As A BuyerLet's close the deal right now. Your old house has been sold, and an agreement has been reached. You have arrived at your destination after many people's long and difficult journeys.<br /><br /> Your loan officer or agent should provide you with a comprehensive list of everything you need to bring to the closing session well before the closing date. Here are some examples of items that frequently appear on such a list.
1. Legal Representation or Representation by Your Agent
Having an agent by your side who understands the home-buying process is critical. This is especially true for those purchasing their first home. Knowing the agent you're working with is always looking out for your best interests, and monitoring the situation is comforting.<br /><br /> Talk to a mortgage expert at your local First Bank branch if you haven't already found someone knowledgeable and trustworthy.
2. A Photo ID
You'll need official documents to prove that you are who you say you are before you can close on a house. You will be asked to sign a few papers, which must be witnessed by a notary public. Any legal photo ID, such as a passport or a driver's license, will suffice. A state-issued ID card will suffice if you don't have either.<br /><br /> Some lenders are also requesting a second form of identification from borrowers. Even if your agent or lawyer advises you not to, you should always carry a copy of your legal documents.
3. The Purchase Agreement in Writing
There will be a lot to expect on the event's final day, but it will also be very exciting. It may be almost impossible to keep everything straight in your head.<br /><br /> Please bring a copy of the purchase agreement to the closing to ensure that it corresponds with the final documents. Rather than taking a chance by signing papers that may or may not match what was previously agreed upon, it is preferable to be extra cautious and protect one's interests.
4. A copy of the Property's Insurance Policy
Most lenders require evidence of homeowner's insurance before issuing a mortgage. It's possible that having multiple types of insurance is required in some places. The amount of insurance must be at least as much as the remaining balance on the mortgage or the cost of rebuilding the home, whichever is greater.<br /><br /> You must provide proof that you have homeowners insurance and paid the full annual premium.
5. A Cashier's Check or a Bank-certified Check
Settlement statements should be reviewed at least one day before closing to ensure that nothing is changed at the last minute. It will detail every cost associated with purchasing and closing a home. You should include not only your down payment but also any other closing costs.<br /><br /> Real estate transaction costs are typically between 3% and 5% of the home's purchase price, less any good faith deposit you may have already paid to the seller. Check that you've already transferred all the funds required for the closing.<br /><br /> Bring cash or a check to the correct amount signed by a bank official. The personal checking account and the way checks are processed are both having issues.
<br /> If you are thinking about the home buying and closing process, contact us today and we are happy to answer any questions you may have. 2022-12-02T09:14:59-07:002022-12-02T09:21:21-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:23193Contrary To Popular Belief, Selling During The Holidays Has It's BenefitsIf you own a home and want to sell it, real estate experts suggest it would be best to do so during the spring months. During winter, many people are usually busy with various concerns, such as holidays, and therefore cannot find time to buy a new home. However, you can still sell your house during the holidays, given that you present your home correctly. You may not get many bidders during this period, but you will still find an excellent sellout price for your home. Here is an explanation of why you can sell your house during the holidays at a reasonable price.<br /><br /> 1. During The Winter, Housing Inventories Are Usually Low<br /><br /> Housing inventory is usually low because most sellers are also on vacation. It means your listed house might get a substantial market when you sell it during the winter. Most people believe they must wait until spring to sell their houses when they can do so at any time of the year. You may list a home for sale during the holidays and still command significant money. Some people are always looking for a home to settle in at any time. <br /><br /> 2. Winter Transactions Are More Serious<br /><br /> If you find a home buyer during the winter, they must be severe; many people know spring as the season to purchase houses. If you find a person interested in looking at your house during the holidays, they must be optimistic about purchasing a home. Nobody can avoid spending holidays with their loved ones to go and look for homes to buy if they aren’t severe.<br /><br /> 3. That Warm And Cozy Feeling <br /><br /> Winter is usually accompanied by harsh weather conditions such as snow, heavy rainfall, and thunderstorms. As a home seller, when you put up fireplaces and offer hot beverages, buyers will be interested in viewing your property because of the comfort they will get when they visit your home. You can therefore get a purchaser for your house.<br /><br /> 4. Festive Communities Are Inviting<br /><br /> If you live in a neighborhood where people decorate and put festive lights in their homes, you will get buyers during the holidays. People looking to purchase homes will be motivated by the emotions sparked in such a community.<br /><br /> 5. Winter Job Changes<br /><br /> Many people are usually granted transfer notices towards the end of the year. It means they must find a new home near where they will work. Such buyers will find houses for sale and purchase them because they will not have time to do so when spring arrives.<br /><br /> 6. End-Of-Year Tax Breaks<br /><br /> Tax breaks are not the main reason people purchase homes, but serious buyers can use this chance to get a house. Purchasers can deduct property taxes, mortgage interest, and interest on the loan if they buy the house before or on December 31st.
<br /> Every house seller wants their house to quickly get buyers with reasonable asking prices. Many, therefore, fear listing their houses during the winter because they think no buyers might be interested. Selling a home during the holidays means less competition and a speedier sales process. A seller can present a unique experience (cozy and warm) that cannot be presented during summer and winter.2022-11-24T16:50:00-07:002022-11-25T16:55:13-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:23119Home Staging In 2022: Here Is A Guide For Every RoomWhat is Home Staging?
Home staging is where an individual or company goes through a property, picks out upgrades needed, and changes them so they will appeal more to potential buyers by maximizing their financial potential. Home staging differs from marketing through visuals.
Home Staging Tips:
1. First and foremost, the home is to be staged within the ordinary homeowner's budget. The general rule is that staging will cost at least 10% of the sale price of your house. This can also come out to a great deal more than this, depending on the extent of your renovations and customization required for each room to maximize sellability:<br /><br /> 2. The next major tip is to create a folder on your computer or laptop with many pictures of the house in its current state. This folder is to be shared with your real estate agent and will feature all the work that you have done. Pictures will be taken before every renovation or stage, and they will also be included with the staging.<br /><br /> 3. Next comes to the process of planning each room individually and listing the things that need improvement, designing, and then implementing those changes in phases such that once all the rooms have been completed, several showings will be booked at one time. This way, you do not need to spend money on multiple showings for a single property being staged for sale.<br /><br /> 4. The next thing is to create a checklist for each room and put it with the pictures in a file that can be shared with your real estate agent. The index will give you an idea of what needs to be done before your home is ready for sale.<br /><br /> 5. When selling the property, you may end up selling at a lower price than what you had initially budgeted for, and this is normal because there could be other costs that the house stager has incurred during their professional services<br /><br /> 6. The process of home staging is more than just decorating a room with pretty colors. The idea here is to make your property sellable; therefore, you should do everything possible to make your house look modern, good value, and beautiful.
Benefits of Home Staging
1. In addition to making a property more appealing, home staging may also help in reducing the sale price or the final transaction cost:<br /><br /> 2. Home staging may reduce the number of showings required, and this means that there will be less time spent on showing a house before it is sold:<br /><br /> 3. Home staging also leads to better communication between you and your real estate agent because there will be clear lines of contact and communication:<br /><br /> 4. Home staging will have a significant impact on the value of your property:<br /><br /> 5. Home staging is not just applicable to houses, but it may be done for many other types of properties as well:<br /><br /> 6. Home staging can also leave you with more money in your pocket since selling a house is such an expensive undertaking:2022-11-21T08:59:57-07:002022-11-21T09:03:05-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:22999What Is A Seller's Disclosure & How Can It Save Buyers From Making A Huge MistakeOne of the most important terms a real estate agent should know is what is a seller's disclosure. It should be read carefully by every seller of a property they are trying to sell. The disclosure's goal is to ensure the buyer fully understands what they're getting into before they start shopping.<br /><br /> 1. Understanding What is Seller's Disclosure <br /><br /> The seller's disclosure is an itemized list of important information about a house that the seller must disclose to the buyer. This list should highlight important or potentially negative facts about the property. It features the amenities, layout, and condition of the property, including previous improvements and minor work done to the property.<br /><br /> 2. Legal and Financial Impact of Seller's Disclosures <br /><br /> It's important to remember that the seller disclosure isn't just between you and the buyer. The sellers' disclosure also details their purpose is to ensure the buyer fully understands the condition of a particular property, what they are getting, and all related legal and financial issues. While it's not mandatory to do so, the seller should also list all improvements to the property. <br /><br /> 3. Previous Owners/Service Provider Records <br /><br /> By reading through previous owner records, buyers should be prepared for how much responsibility they take ownership of when purchasing a property. The seller's listing for the home should include information about previous owners, if applicable. <br /><br /> 4. Land Information <br /><br /> This is one of the most important parts of the seller's disclosure. The seller should list on their list of improvements any land surrounding the property that is either leased or owned by other parties, including utilities such as water or cable TV. The seller should also disclose details about any access to the property that may be limited or private at other times, such as upstairs to a third-floor unit. Make your real estate agent in Long Beach available to assist you with the process.<br /><br /> A professional real estate agent in Long Beach will make sure to disclose any other legal or financial issues specific to the property in question. This can include previous lawsuits, zoning issues, and building code violations. There may be several reasons that previous owners had to vacate a property, like the fact that they no longer own the property or a lawsuit filed against them due to failure to comply with local laws through renovations or additions made in the home recently made.<br /><br /> 5. When To Ask For A Seller's Disclosure?<br /><br /> The disclosure should be requested by a potential buyer interested in a property before they begin looking at it. It will be necessary for them to find out which documents are required to ensure that everything is legal and up to date. To avoid confusion, all buyers should verify the seller's disclosure with a lawyer before making an offer. A real estate agent should also be able to help you get and go through the necessary legal documents so you understand the property thoroughly.<br /><br /> The seller's disclosure will give out all the information about a property, which is helpful for a buyer to know about a place before buying it. Buyers must obtain these documents to help them make an informed decision about a property before they commit to buying it.2022-11-14T08:45:04-07:002022-11-14T08:47:26-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:22878Everything You Need To Know About A Rent-Back Program.In today's housing market, renting back your own home is an appealing option for many prospective homebuyers. Rent-back programs can help you achieve your homeownership goals sooner while keeping monthly costs more affordable. Suppose you're considering a rent-back program to accelerate your path to homeownership. In that case, this article will introduce you to the basics of this financing option and what you should know about it before signing on the dotted line.
What is a Rent-back Program?
A rent-back program is a type of financing that lets you rent a property with the option to purchase it later. You typically make a down payment to secure the loan and then pay monthly rent. The property owner agrees to sell the property to you at a predetermined price at a future date. A rent-back program differs from a lease option agreement because it involves a down payment, a legally binding sales contract, and a specified purchase date. The terms of a lease option agreement are typically less formal.
Benefits of a Rent-back Program
Instant homeownership. This program allows you to skip saving for a down payment and qualify for a mortgage. If a rent-back program is available for the home you want to buy, it can help you avoid being priced out of the market. Reduced maintenance costs. Renters are responsible for covering all maintenance and repair costs associated with the property. Reduced stress. As a renter, you have little to worry about as long as you live up to your end of the bargain.
How a Rent-back Program Works
In a rent-back program, the tenant makes a down payment upfront, signs a legally binding contract, and agrees to make monthly rent payments. In return, the owner agrees to sell the property to the tenant at a predetermined price at a later date. If you're interested in a rent-back program, you'll want to talk to the property owner about their plans for the property. Some owners may want to sell the property to you at the end of the term, while others may be interested in extending or renewing the agreement.
Drawbacks of a Rent-back Program
Risk of the property's value dropping. During the term of your rent-back agreement, the value of the property could go up, or it could go down. If it goes down, you could lose money if you plan to purchase the property at the end of the agreement. No equity in the property. One of the biggest benefits of homeownership is building equity. If you rent back your property, you won't build any equity in your home. You also won't have any equity if the property owner decides to extend the agreement or renew the contract at the end of the term.
To Rent or to Lease Back?
This is the first and most important question. You should only consider a rent-back program if you plan to purchase the property at the end of the term. If the owner plans to sell the property to you at the end of the term, you should consider the property's condition carefully. Make sure there are no major issues that would make the property unsellable or require many repairs. If the property owner plans to extend the agreement or renew the contract at the end of the term, you should consider the property's condition carefully. The owner will likely want to keep the property in good condition, but it's always a good idea to conduct a thorough inspection.
A rent-back program is ideal for homebuyers who don't have enough saved for a down payment or who haven't been approved for a mortgage. It can help you achieve your homeownership goals sooner while keeping monthly costs more affordable. While a rent-back program may seem like the perfect solution, it is important to consider the risks and drawbacks of this type of financing before signing on the dotted line.2022-11-07T09:03:39-07:002022-11-07T09:12:30-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:22733Are You Unsure How Closing On A Home Works? Here's 11 Steps From Offer To The Closing Table.The closing process for real estate transactions can be an intimidating one to understand. Many details are involved and multiple parties need to sign off for everything to go smoothly. It is the final stage of the home-buying process when the buyer, sellers, lenders, and other necessary parties come together to finalize all contracts and transfer property ownership from sellers to buyers. This blog post will explain what happens during a real estate closing so that you feel prepared for yours.
Step 1: Research is key when buying a home
Before you even start looking at homes, make sure you have a general idea of how much you can afford to spend on homes for sale in Long Beach. You can do this by talking to a financial advisor and creating a budget to determine what you can afford. This can help you avoid being pressured into making an impulsive decision.
Step 2: Receive Your Loan Commitment Letter
Your lender will give you a loan commitment letter before shopping for a loan. This is the lender’s offer to provide you with a loan. If you accept the terms in the loan commitment letter, you will receive your loan disbursement 10 days before your closing date.
Step 3: Perform Due Diligence
When you receive your initial offer to purchase the home, you have the right to walk away from the offer. This is called due diligence and allows you to meet with the owners, the title company, and the realtor to ensure everything checks out.
Step 4: Contract Confirmation and Title Search
You should have received an offer to purchase a contract from the seller. If you did, you should confirm and sign this contract as soon as possible. It will be the first thing you must bring to the closing table. You will also need a title search report. With this, you will be able to determine if the title to the property is clear and if any liens need to be paid off before the closing date.
Step 5: Earnest Money Deposit and Repayment
During your contract negotiations with the sellers, you’ll need to decide if you want to include an earnest money deposit. You will receive a receipt for the earnest money deposit. The title company will hold this money until closing day.
Step 6: Negotiate Final Contracts with Seller
The time has finally come to negotiate final contracts with the sellers. This is where you and the seller will decide on the final terms of the sale. You will need to consider closing costs, repairs before closing, price, and closing date.
Step 7: Record of Receipt and Final Settling (aka “RSF”)
You will have negotiated final contracts with the seller, and you will have received the record of receipt from the seller. This is the official payment record that the seller will need to sign and give back to you on closing day for you to receive the keys and sign off on the record of settling (RSF).
Step 8: Clearing Disposition, Covenants, Conditions, and Repairs (CCCR)
With your record of receipt in hand, you will now want to clear the CCCR. This is when you take the receiving record and compare it to the seller’s list of the property’s conditions, covenants, and defects (CCCD). This is where you will want to go through all the details listed in the seller’s CCDC report. You will have a limited time to request a repair, so it’s best to take care of these as soon as possible.
Step 9: Change of Ownership and Possession
You will now need to change the ownership and possession of the property. This is where you will need to fill out a change of ownership form and have the sellers sign off on it.
Step 10: Completing the Record of Repurchase (ROR) Disclosure Information
You must fill out the record of repurchase (ROR) disclosure information. This form is intended to report any issues in the property that were overlooked during the CCCR process. This covers problems with the house, the yard, and the appliances. It is critical that you reveal everything so that neither party is surprised.
Step 11: Take-Out Mortgage Disclosures
After completing your ROR, take-out mortgage disclosures will be required. This form will inform you of any additional costs you will be responsible for once the closing process is completed. These costs may include property taxes, homeowners association fees, and other due fees. Your lender will give you this form towards the end of the closing process, so don’t be alarmed if you don’t receive it immediately.2022-10-31T07:37:00-07:002022-10-31T07:47:42-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:226215 Ways To Maximize Profit On Your Most Valuable Asset...Your HomeYour home is your most valuable asset. Therefore, you would want to do everything you can to maximize its profit potential. Here are five simple, effective ways to maximize profit on your home:
Price Your Home Competitively
When it comes time to sell your home, you want to be sure that you are pricing it competitively to maximize your profit. There are a few things that you need to take into consideration when determining the price of your home.
First, you will want to look at comparable homes in your area that have recently sold. This will give you an idea of the market value for homes similar to yours.
You will also want to consider any upgrades or updates you have made to your home since you have owned it. These can add value to your home and should be factored into the price.
Finally, you will want to consult with a real estate agent in Long Beach to get their professional opinion on what they believe your home is worth.
Keep Up With Maintenance and Repairs
As a property owner, it is important to keep up with maintenance and repairs to maximize profit. Deferred maintenance can result in significant repair costs down the road and decreased property value. By keeping your home in good condition, you'll not only be more likely to get top dollar when you eventually sell.
Play Up Your Home's Unique Features
When selling your home, it is important to highlight its unique features to attract buyers and maximize profit. Potential buyers are looking for a home that meets their specific needs, so it is important to play up the features that make your home stand out. For example, mention this in your listing if your home is located in a desirable neighborhood. Similarly, if your home has been recently updated or renovated, make this known.
Anything that makes your home more attractive to potential buyers should be featured in your listing. By playing up the unique aspects of your home, you will be more likely to sell quickly and at a higher price.
Stage It Right
When selling your home, it is important to ensure it is properly staged. This means ensuring your home is as clean and clutter-free as possible. It is also important to depersonalize your space by removing any family photos or personal items. You want potential buyers to be able to envision themselves living in your home, and this cannot be easy to do if your space is too personal.
Think Like a Buyer
When selling your home, putting yourself in the buyer's shoes is important. What are they looking for in a home? What type of features are they interested in? By thinking like a buyer, you can better market your home and appeal to its specific needs. It will help you sell quickly and at a higher price.
By following these simple tips, you can maximize profit on your home and get the most money out of the sale.2022-10-24T07:32:43-07:002022-10-24T07:39:40-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:22492Homeownership Is a Great Way to Combat Rising InflationChances are, you're well aware that inflation is rising at an unprecedented rate. In fact, it's reached a 40-year high. Inflation has seen consistent rates above 8% in recent months. Not since 1981 has there been such a yearly gain. Not coincidentally, stories of rising prices dominate recent news reports. <br /><br /> Everything from the groceries you buy and the gas you put in your car has seen a noticeable uptick in cost. It's natural that you may be reconsidering any large purchases or major financial investments at this time. Spending a significant amount of money seems risky when you're already feeling an economic pinch. <br /><br /> Buying a home may be one of those investments you're now on the fence about. You might be thinking that the best financial decision would be to wait. Ultimately, the answer is dependent on your specific circumstances. However, there are lots of good reasons that homeownership is a wise investment during periods of high inflation. <br /><br /> When inflation steadily rises, so do prices on day-to-day goods and services. The housing market isn't immune. Home prices are higher than they were at this time last year. Rental rates are also seeing significant increases. The difference is that owning a home can actually serve as a buffer from the climbing costs of everyday expenses. <br /><br /> A fixed-rate mortgage, typically 15 or 30-year, offers a distinct advantage to renting. When you buy a home at a fixed-rate, the amount you'll pay each month remains steady, despite rising inflation costs or other factors. Rental rates are subject to general market conditions. They'll rise with inflation. Property taxes may vary with the times and you're sure to encounter related costs, but being able to depend on a consistent amount for the majority of your housing expenses can provide you with great stability. <br /><br /> Mortgage rates are higher right now than they were just months ago, and home prices are also surging. This is true, but home ownership remains a strong investment to offset other unpredictable life expenses. Buying a house can be a strategic move right now. The reason for this is that housing is an asset with a historical pattern of outperforming rising inflation. <br /><br /> Real estate and economic experts are predicting that we'll continue to see an increase in housing prices. In addition to the effects of inflation, a high buyer demand in comparison to available home inventory is contributing to the escalation. Buying a home now will allow you to begin gaining equity and growing your net worth, further insulating you from the effects of inflation. <br /><br /> You can typically count on a home's rise in value, making it a strong asset. With costs on the rise, it could make sense to begin perusing homes for sale in Long Beach now, rather than later. A knowledgeable real estate professional can help you navigate the real estate marketing and provide advice based on your unique needs.2022-10-16T16:28:00-07:002022-10-16T16:31:07-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:22351It Doesn't Get Any More Fresh Than Walts Warf in Seal BeachWhen looking for things to do in Long Beach, be sure to head down to Seal Beach to enjoy some of <a href="https://www.waltswharf.com/" target="_blank">the region's best seafood at Walt's Wharf</a>. Walt's motto is "if it's fresher, it's still swimming," signaling its commitment to providing the freshest possible seafood. Here is what you need to know about Walt's Wharf.<br /><br />History of Walt's Wharf: Walt's Wharf is a Seal Beach institution. dating back to the early 1970s. Prior to this time, residents and visitors to Seal Beach had to travel to other locations to enjoy today's freshest catch. That changed when a local dentist by the name of Walt Babcock decided to open his own seafood restaurant alongside his wife, Mona. <br /><br /> When the restaurant first opened, Walt would do his own fishing from his boat, The Patriot. Local fishermen now deliver the day's best catches, ensuring the ultimate freshness. Today, the restaurant is managed by Mona and her daughter Brenda, keeping that family feels alive while still serving up the freshest seafood available in Seal Beach.<br /><br />Exploring the Starters: You can begin your culinary experience at Walt's Wharf with one of the many starters available on the menu. The house ceviche rotates daily depending on the best catch. Or go with the classic jumbo shrimp cocktail. Other good choices include the littleneck clams, the steamed mussels, or the raw oysters. For something beyond seafood, be sure to try the delicious oak-grilled artichoke or the mixed vegetable grill. <br /><br />Moving on to the Star of the Show: Once you have finished your starter, it is time to move on to the star of the show. Walt's Wharf offers a wide array of entree choices, guaranteed to please everyone in your dining party. Lunch and dinner options include a variety of crisp salads, warm soups, and innovative sandwiches. For something heartier, try the traditional fish and chips, the carmelized king salmon, the Pacific ahi tuna, the grilled lobster tails, or the grilled chicken Alfredo. Meat lovers will appreciate the ribeye or the filet mignon served with all of the fixings. Or go with the surf and turf if you cannot decide.<br /><br />Sweet Endings: No first-class meal is complete without a sweet treat to wrap it all up. Choices at Walt's Wharf include a decadent caramel apple cheesecake, a rich mud pie, a vanilla creme brûlée, and more. What a perfect way to end your indulgent meal.<br /><br />Babcock Vineyards: About 10 years into the family business, the Babcocks expanded when they opened their own winery in the Santa Ynez Valley under the guidance of their son, Bryan. Diners at Walt's Wharf now enjoy award-winning wines straight from Babcock Vineyards, complementing the dining experience. <br /><br /> You have been missing out if you have not yet checked out the mouth-watering food and the inviting family hospitality of Walt's Wharf.2022-10-09T15:52:00-07:002022-10-09T18:15:13-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:22139No Jaws, Just Paws: Rosie's Dog BeachIf you and your four-legged friend are looking for things to do in Long Beach, schedule some time to visit Rosie’s Dog Beach. This four-acre stretch of sandy shoreline has been set aside for dog owners. Here are some tips to make your day at the beach fun and safe.<br /><br />Off-Leash Fun<br /><br /> This spot is popular with dog lovers because the city allows the pups to roam freely. It is the only beach where off-leash play is permitted in all of LA County. In order to achieve this, one resident and a pup named Rosie scheduled special dog-friendly events at the location. Eventually, the city officials and citizens granted the playground to animals. Now, you can play catch, go swimming, and meet other dog lovers in a fun and fresh environment<br /><br />Location<br /><br /> The address for Rosie’s Dog Beach is 5000 E. Ocean Blvd. The designated dog area sits on the Belmont Shore. It is located next to the Granada Boat Ramp, and the run is clearly marked with orange cones. There is free parking along Ocean Boulevard, but you may not find spots there Thursday and Friday mornings because of street cleaners. There are fee-for-use parking lots close by also. You can buy parking passes at the many kiosks, which accept most major credit cards and cash.<br /><br />Hours<br /><br /> This spot is open for off-leash play between 6 a.m. and 8 p.m. The fee-use lots only charge users between 8 a.m. and 6 p.m., so if you time your visit right, you can park in the nearby lots for free in the early mornings and evenings. You are welcome to visit every day of the week, but there are certain times Rosie’s will not be available because of special events. To find out if any events are scheduled when you are planning your visit, contact the City of Long Beach Parks and Recreation Department at (562)570-3100.<br /><br />Rules<br /><br /> Like most dog parks, there are rules to follow. At Rosie's, each adult is welcome to bring one pooch, so if you have more than one furry pal, you’ll need to bring a friend. There is a doggie drinking fountain, but it can malfunction, so it’s a good idea to pack in your own fresh water and bowl. There are cleanup baggie stations, but in case they are empty, bring a few extra. You must pick up after your pet. Make sure your four-legged friend has a collar, tags, and vaccinations. If your dog dons a spiked collar, be sure to change it to a traditional band before its paws hit the sand. The city does not allow spiked collars on the beach.<br /><br /> As you look for things to do in Long Beach, you will soon discover that there are many animal lovers and pet-friendly venues. The city and the residents worked hard to create unique spots for canines so that they could get fresh air, exercise, and socialize, and Rosie's Dog Beach is one vibrant example.2022-09-26T10:09:00-07:002022-09-26T07:10:47-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:21996Is The Market Correcting?According to Moody's Analytics chief economist Mark Zandi, we have officially shifted from a housing boom to a <a href="https://www.andydanecarter.com/”" target="_blank">correction</a>. In April and May of 2022, home sales dropped 19 percent, hitting their lowest level since the same time last year. Meanwhile, Redfin reports that 19 percent of home-sellers <a href="https://www.redfin.com/news/housing-market-update-price-drops-surge-to-19pct/%E2%80%9D" target="_blank">dropped the asking price</a> for their home over the previous month. Fueling this projected turning of the tide is, in part, the combination of fast-rising inventory and fast-dropping mortgage applications and sales of existing homes–in other words increasing supply and decreasing demand, or the recipe for a correction.<br /><br /> Zandi has called a peak in the housing market and forecasts it will roll over shortly. When that occurs, the growth in home prices will fall flat, with Zandi predicting year-over-year home price growth over the next 12 months will be zero percent. In some regional markets, home prices will start to drop. If this occurs, it would constitute the worst year-long stretch since 2012. <br /><br /> The Federal Reserve is largely to blame. Congress has given it a dual mandate to keep both inflation and unemployment low, which can sometimes be difficult to manifest at the same time. Lately, with the unemployment rate at 3.6 percent and the latest Computer Price Index (CPI) number at 8.3 percent, the Fed has appeared to shift focus more to the problem of inflation. <br /><br /> The Fed believes it can slow overall price growth by bringing the housing boom to an end. As such, it raised mortgage rates even higher, though that only had the effect of producing an economic shock in the markets.<br /><br /> Further threatening low mortgage rates is the status of new home construction and sales. To support its dual mandate, the Fed won't be satisfied simply slowing the rate of home sales; it will want to slow the pace of new home construction as well. Elevated home construction recently hit its highest level since 2006. This has put upward pressure on a whole host of building supplies, materials, and products, like lumber, steel, and home furnishings. If the housing market picks back up before inflation has been reined in, the Fed may just push mortgage rates higher still. Already, the average rate for a 30-year fixed mortgage has jumped to 5.1% from 3.11%. <br /><br /> There doesn’t appear to be any foreclosure crisis or housing bust looming, claims Zandi, because credit issues that caused those to happen in the past, such as the proliferation of subprime mortgages, are not present in today’s market environment. And, if home prices do start dropping, the Fed could simply start lowering rates again. <br /><br /> Despite this broad analysis, certain markets do seem overvalued historically speaking. In fact, in 96 percent of the country’s 392 biggest housing markets, some home prices have become overvalued relative to local incomes. Of these, 149 are 25 percent or more overvalued. <br /><br /> These particular markets could see drops in home prices over the next year in the 5-percent to 10-percent range. If a recession occurs, those drops could increase to 10-20 percent. <br /><br /> In this new market environment, inflation and income growth alike should outpace the growth in prices of<a href="https://www.andydanecarter.com/property-search/results/?searchtype=3" target="_blank"> homes for sale in Long Beach</a>.2022-09-19T06:40:00-07:002022-09-19T06:53:30-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:21887Get Your Skate On With Moxi SkateAmong the things to do in Long Beach, one of the best is hitting the streets with a pair of top-flight roller skates. <a href="https://www.moxiskates.com/pages/about-moxi" target="_blank">Moxi Skate</a> provides just the right kind of skates to give you your self-propelled transportation, help you keep fit, and look stylish while doing it.<br /><br /> Take a roller cruise along Shoreline Drive to Parker's Lighthouse. If you love ships, then another short jaunt to the Queen Mary is in order. In the other direction along Shoreline Drive, you can find the game preserve for some quiet contemplation as you mingle with the wildlife. In fact, parks dot the coast, and as long as your picnic basket isn't too heavy, you can whiz off to lunch in the sea breeze on a balmy afternoon and then work it off as you skate the return trip.<br /><br /> <a href="https://www.moxiskates.com/pages/about-moxi" target="_blank">Moxi Skate</a> provides hand-stitched quality and cutting-edge style. From Beach Bunnies in assorted colors to vegan JACK2s, you can find most anything you might desire. The company brings energy to everything it does, and it hopes to spread love with you around the world toward peace and a brighter future for everyone.<br /><br /> The skaters the company sponsors subscribe to this philosophy, as well, and they hope to be an inspiration to the company's customers and partners. Moxi wants you to feel free and breezy while you're on your new skates. The company also wants you to feel welcome and wanted while you're shopping. The staff knows its stuff and will ask pertinent questions regarding your preferences and budget so that you can find the right skates.<br /><br /> What good are top-of-the-line skates without <a href="https://www.moxiskates.com/collections/skate-gear" target="_blank">equivalent accessories</a>? Moxi carries stops, wheels, pads, and clothing that match its philosophy and aesthetic. You have quite an assortment to sift through to choose which items are best for you, and Moxi is proud to give you such diversity.<br /><br /> Speaking of diversity, the company proudly encourages everyone to skate and to use its products. In fact, the company tolerates neither hate, nor bigotry, nor discrimination regarding its products, its social media presence, or its brand. Moxi says, "No!" to spam, bullying, and harassment and, "Yes," to peaceful coexistence.<br /><br /> The company urges you to <a href="https://www.moxiskates.com/" target="_blank">check out its website</a> for fun instructional videos on maintenance and break-in procedures for your new skates. The information will surely prove useful!<br /><br /> Even though the company has great faith in its products, there are times when they just won't be right for you. In that case, you have 30 days to return them for either a refund or another item. If you do order from the website, then you can have great peace of mind because each shipment is package protected.<br /><br /> Moxi says, "Give us a chance," so prospective customers should <a href="https://www.moxiskates.com/" target="_blank">contact Moxi </a>at their earliest convenience!2022-09-12T06:40:00-07:002022-09-12T06:46:14-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:21803Is It Still A Good Time to Buy a House or Should You Wait?If you’ve been looking for <a href="https://www.andydanecarter.com/property-search/results/?searchtype=3" target="_blank">homes for sale in Long Beach</a> or anywhere, you know the housing market has been red hot. With skyrocketing prices and so many cash buyers, it has been hard for those who want to buy a new home.<br /><br /> Now, there is another concern, rising mortgage rates along with high prices. Many potential home buyers ask themselves if they should buy now or wait. It is still a seller’s market, and home inventories are still low. But in some cities, prices have stabilized and even started to come down.<br /><br />
Mortgage Rates
Currently, the average 30-year fixed mortgage rate is around 5.5%. The Federal Reserve is expected to raise interest rates several more times this year. Federal Reserve actions do not directly affect mortgage rates, but they can indirectly affect them. Mortgage rates typically follow the direction of the 10-year Treasury yield.<br /><br /> Inflation also affects mortgage rates. In June 2022, inflation was last reported at around 9%. When inflation is rising, mortgage rates rise.<br /><br />
Should You Buy a House Now?
It is hard to time the market or guess what inflation will do next. The decision to buy a home should be based on more personal wants and needs than economical factors. If you were to wait until rates and or home prices come down, you could potentially miss out on the home of your dreams.<br /><br /> The main question is how long you plan to live in the home. Buying a home is an investment and a place to live. Before you decide to buy a home today, look at the math and your financial situation.<br /><br /> The difference in mortgage rates can matter. For example, if you took out a $450,000 loan amount, the difference between a 4 percent mortgage and a 5 percent mortgage results in a 13 percent higher payment. And the amount of interest paid over the life of the loan will be higher. To help with your decision, look at the following three questions:
What is your credit score? If it is at or above 740, you should be able to get a better mortgage rate.
Do you have enough for a down payment? Lenders want to see that you have enough for a down payment and also a cushion of money for other expenses.
Closing costs are between 2 and 6 percent of the property value. It makes sense to buy if you are not planning to move within the next ten years.
Should You Wait?
Zillow recently said they expect home prices to start easing between now and 2024. They also believe that home inventories will rise by 2024 to that of pre-pandemic levels. More houses for sale will result in lower prices.<br /><br /> If you find a house you love, you should buy it if you’re financially ready. If mortgage rates drop after you buy, you can always Refinance in the future. <br /><br /> If you have to wait until prices come down, use the time to pay off debt and save more money for a larger down payment. <a href="https://www.andydanecarter.com/contact/" target="_blank">Talk to local real estate agents </a>and stay informed of your local real estate market.2022-09-06T06:00:00-07:002022-09-06T06:11:00-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:216495 Fun Ways To Spend Your Labor Day WeekendLabor Day is a time of traditions and transitions. In the U.S., it is observed on the first Monday of September to honor the efforts of workers and their contributions to the prosperity and well-being of America. It began as a local effort by labor activists in the 1880s and quickly gathered popularity. Several communities and states designated the day as a local or state holiday before Congress declared it a national holiday in 1894. <br /><br /> Today, Labor Day signals the last day of summer, marking the change from summer to fall, from vacation time to back-to-school time, and an occasion for family gatherings and celebrations. If you are looking for fun things to do to celebrate the day in Long Beach, California, here are some traditional and non-traditional ways to honor and enjoy the day.
<br /> Host an Outdoor Barbecue
Hosting an outdoor barbecue or backyard cookout is a long-standing Labor Day tradition. Invite family, friends, and neighbors to gather for good food, refreshments, and socializing. Play outdoor games that are fun for all ages. You may go for organized games like croquet, badminton, horseshoes or volleyball. Spur-of-the-moment games like red-light, green-light, tag or Simon-says are fun for everyone. Of course, the best part of a backyard cookout is the food. Enjoy eating your grilled creations with classic outdoor picnic foods and desserts.
<br /> Make Homemade Ice Cream
Homemade ice cream is always a welcome treat at an outdoor gathering. If you do not have an ice cream maker, let the kids try making ice cream in a bag. It is simple and fast, resulting in an icy, tasty frozen treat.
<br /> Become a Tourist and Explore the Waterfront
The waterfront in Long Beach has much to offer, including interesting neighborhoods, restaurants, several museums, and eclectic shops. <a href="https://www.aquariumofpacific.org/" target="_blank">The Aquarium of the Pacific</a> showcases colorful exhibits featuring underwater life and a lagoon filled with sharks. Stroll with your family and friends on the boardwalk at <a href="https://www.longbeach.gov/" target="_blank">Rainbow Harbor</a> to see all sorts of boats and enjoy the sea breezes.
<br /> Go for a Cruise
If you want to experience the waterfront from the water, go for a harbor tour or whale-watch cruise with a local cruise operator. You will see the Queen Mary, a historic ship, view the shoreline and its attractions from the harbor, and see marine life in its natural habitat.
<br /> Enjoy a Movie—Or Two or Three
Although outdoor activities are traditional, sometimes the weather does not cooperate with the spirit of the day. Even if you have enjoyed a day outdoors, it is fun to end it with a movie. For family entertainment, choose an epic series that will appeal to everyone, such as Harry Potter or Star Wars. If you are hosting an adult gathering, show films that you have always wanted to see or classics that are a joy to watch again. Serve popcorn, assorted snacks, and cold drinks as you lower the lights and enjoy an evening of adventure, fantasy, or whatever suits your taste to end the day.
<br /><br /> There are many activities that will make the last weekend of summer enjoyable and fun. Pick the things you and those dear to you will look back on with happy memories throughout the year.2022-08-29T05:30:00-07:002022-08-29T05:45:46-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:21582Today’s Market Vs. The Great Recession Housing BubbleIf you have been looking into <a href="https://www.andydanecarter.com/property-search/results/?searchtype=3" target="_blank">homes for sale in Long Beach</a> or <a href="https://www.andydanecarter.com/contact/" target="_blank">talked with a real estate agent in Long Beach</a>, you likely know that home prices have risen to record highs with no end in sight. May 2022's medium home listing price was a startling $447k, more than one-third of what homes went for three years prior. Homebuyers might see commonalities between the current market and 2006's housing market and might think these high prices are a sign of history repeating.<br /><br /> Today's market is different from the Great Recession. Waiting for a "crash" may not offer buyers hope as people have not overborrowed and homes are not overvalued. While similarities between 2006 and now exist, they are surface-level. Basic economics are at fault; more people are looking to buy than there are homes on the market.
Things Have Changed
2006's bubble happened because lenders were lax and most people treated housing as an investment. Adjustable-rate mortgages with end-term payments, then common, allowed people to get homes only to later discover that those payments would rise beyond affordability. 2006 was full of now-rare predatory lending, financial engineering, and bad borrowing from people with insufficient equity.
Not Enough Homes
There are only two ways to put a home on the market, build one or someone sells an old one.
Builders Struggle to Catch Up
For the past decade, builders have not been creating enough houses to meet demand due to several factors like finding skilled laborers, supply costs, and legislation.
Fewer Sellers Exist
Existing homes occupy most of the market but most homeowners are preferring to renovate over moving. High home prices might seem encouraging to sell but most buyers would have to buy another home and eat those high costs. The only well-positioned people for selling and buying again are either downsizing or moving to cheaper regions.
A Buyer Surplus
Supply constraints mean that fewer homes exist to fight over while open houses are busy. Millennials are now in the prime of their lives for home buying. Remote and hybrid working options also mean that fewer people need to live close to their offices.
Will the Market Cool?
Experts believe that pre-pandemic prices will not return until 2024-2025. Rising mortgage rates will also eliminate some buyers' market presence, indirectly slowing home prices.
What Can Homebuyers Do?
Professional advice suggests that homebuyers should be strategic and patient, look harder and broaden the scope of their search. Watch for new construction, it might take longer but is easier than fighting for "scraps." Any slowdown caused by rising mortgage rates will make the market more manageable for patient buyers.
Wrapping Things Up
Today's housing market may remind some people of the Great Recession's bubble but this ignores the obvious situation; prices are high because of a combination of rising mortgage rates and there being more people looking to buy than there are properties to purchase. If you want to buy in this market, be cautious but do not hope for a crash that will not come.2022-08-24T06:30:00-07:002022-08-24T06:37:48-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:21417Business Spotlight: Long Beach Museum Of ArtThe <a href="https://www.lbma.org/" target="_blank">Long Beach Museum of Art</a> is a bastion of culture, beauty, and inspiration for Los Angelinos and visitors alike looking for fun, educational and inspiring things to do in Long Beach.
History of the Long Beach Museum of Art
In 1950, the city of Long Beach founded the <a href="https://www.lbma.org/" target="_blank">Long Beach Museum of Art (LBMA)</a> as its municipal art center. <br /><br /> Since 1957, the Long Beach Museum of Art has been located in the historic Elizabeth Milbank Anderson House, built in 1911. In 1977, the American Association of Museums accredited the Museum, and, in 1986, the Long Beach Museum of Art Foundation took over the management of the Museum. <br /><br /> In 2000, the Museum finished a massive project that restored the historic residence and built a new exhibition pavilion two stories tall. Later, in 2015, the pavilion was newly dubbed the Hartman Pavilion. <br /><br />
Collections
The <a href="https://www.lbma.org/" target="_blank">Long Beach Museum of Art</a> houses both a rotating schedule of temporary exhibitions as well as a permanent collection.<br /><br />
Permanent Collections at the LBMA
The Museum’s permanent collection includes over 3,200 works across all types of media and spans 300 years of European and American art. It includes:
Ceramics by Beatrice Wood
Furniture by Charles and Ray Eames
Sculptures by Claire Falkenstein, George Rickney, and Peter Voulokos
Early 20th Century European Modernist paintings by Vasily Kandinsky, Alexej Jawlensky, and others from the Milton Wichner Collection
Contemporary painters such as Sherrie Wolf, Sandow Birk, and James Jean, whose works were recently added to the collection
Exhibitions at the LBMA
The Long Beach Museum of Art’s shifting exhibitions includes an eclectic variety of artists and kinds of art, such as:
Architecture for Dogs
The Artful Teapot: 20th Century Expressions from the Kamm Collection
Frank E. Cummings III: Jeweled Harmony in Wood
Masterworks: Defining a New Narrative
Vitality And Verve: Transforming The Urban Landscape
Arts Education at the LMBA
The <a href="https://www.lbma.org/" target="_blank">Long Beach Museum of Art</a> holds regular tours and workshops for visitors of all ages. In addition to regular public exhibition tours and art chats, past education events at the LBMA have included:
In Conversation: Alex Gardner and Kathy Grayson
Adult Workshop: Still Life with Oil Pastels
Artist Panel Discussion: Contemporary Narrative in Textile
Plein Air Workshop: Adam Harrison
<br /> The LBMA also has a <a href="https://www.lbma.org/education/docent/" target="_blank">Docent Program</a> for those members of the community interested in leading tours or workshops.<br /><br />
Offerings for Children at the LBMA
Children are welcome at the Long Beach Museum of Art with a range of free and low-cost educational programs for kids and adults. <br /><br />
Fine Dining at the LBMA
On the LBMA’s gorgeously landscaped campus sites <a href="https://www.lbma.org/claires/" target="_blank">Claire’s at the Museum</a>, with oceanfront dining and stunning views of Catalina Island and the Queen Mary while you enjoy an ever-changing brunch menu designed by esteemed Chef Michael Ryan. <br /><br />
Awards and Accolades for the LBMA
The <a href="https://www.lbma.org/" target="_blank">Long Beach Museum of Art</a> has been honored with several awards and accolades, including the Charity Navigator Four Star Charity rating and membership in the Los Angeles County Arts Commission.<br /><br />
Visit the LBMA
Visit the L<a href="https://www.lbma.org/" target="_blank">ong Beach Museum of Art</a> at 2300 E Ocean Boulevard, Long Beach, California, or call to plan your visit at (562) 439-2119.2022-08-15T07:30:00-07:002022-08-15T07:45:40-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:21265Why Americans Are Choosing Real Estate As Their Primary InvestmentReal estate investing is an excellent way for Americans to grow wealth and become financially independent. Surveys show that Americans choose real estate as their preferred investment over the stock market, bonds, precious metals, and other assets. Real estate investing has many benefits, and people looking at <a href="https://www.andydanecarter.com/property-search/results/?searchtype=3" target="_blank">homes for sale in Long Beach</a> can take advantage of these benefits. So let's look at why investing in real estate is so popular.
<br /> Tax Breaks
Everybody wants to save money on taxes, and investing in real estate is one of the best ways to do this. Tax breaks for real estate as a primary business investment can help people save money on taxes. One of the most common tax breaks in real estate is depreciation. Depreciation is a deduction that allows a real estate investor to write off a portion of the property's loss in value over time. Other tax deductions involve managing, maintaining, and operating the property. Some of these deductions include:<br /><br /> • Maintenance and repair costs<br /> • Mortgage interest and property insurance<br /> • Legal and accounting fees<br /> • Office space and business equipment<br /><br /> Real estate investors should seek the advice of a tax professional to take advantage of all the available tax breaks.
<br /> Diversification
The real estate market experiences highs and lows. Investors can avoid or minimize financial losses in a down real estate market through diversification. Diversification is beneficial because it helps to minimize your overall risk and portfolio volatility. One way to minimize real estate market volatility is through geographic diversification. Investors can reduce the risk of concentrating too many properties in one area by focusing on different cities and regions. <br /><br /> Another way to diversify a real estate portfolio is to have different kinds of real estate assets. For example, investors can diversify a residential property portfolio by investing in single-family properties, multi-family properties, condominiums, and mobile home properties. Investors can also diversify a commercial real estate portfolio by owning apartment buildings, office buildings, retail stores, and land.
<br /> Leverage
Many investors wonder how they can pay for an investment property if they do not have money to pay for one. The best and most popular way to pay for an investment property is through leveraging the property. A mortgage is the most common form of leverage.<br /><br /> When an investor gets a mortgage to purchase an investment property, they put a small amount of their money down and borrow the rest from a lender. Different types of mortgage lenders include banks, mortgage brokers, private money lenders, and hard money lenders. <br /><br /> A mortgage through a lender allows investors to purchase more property than they could otherwise afford. However, they need to make sure they understand how to leverage an investment property, the risks different types of mortgages can present, and the limitations some types of mortgages have on purchasing investment properties.
<br /><br /> When building their real estate investment portfolio, real estate investors should <a href="https://www.andydanecarter.com/contact/" target="_blank">work with an agent</a> when <a href="https://www.andydanecarter.com/property-search/results/?searchtype=3" target="_blank">searching for homes for sale in Long Beach</a>. They can help investors find the best investment property to generate income.2022-08-08T06:00:00-07:002022-08-08T06:06:21-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:21111You'll Eat...Schooner or Later: A Long Beach FavoriteLooking for fun things to do in Long Beach? Be sure to head to <a href="https://www.schoonerorlater.com/" target="_blank">Schooner or Later</a> for a fabulous meal right in the heart of Marina Drive. There is no better place to soak up the beauty, history, and charm of Southern California than with a leisurely meal at <a href="https://www.schoonerorlater.com/" target="_blank">Schooner or Later</a>. Here is what you need to know about this popular family restaurant.<br /><br />History of Schooner or Later: <a href="https://www.schoonerorlater.com/about.html" target="_blank">Schooner or Later</a> opened its doors on May 12, 1985, and has been welcoming diners in ever since. The family-owned and operated restaurant boasts a number of pieces that honor the history of this slice of Southern California. The classic jukebox is a restored original from the early 1940s. Above the counter, you will find authentic artwork from the North Long Beach Towne Theater. The large mural on the wall is a picture from the 1930s, displaying downtown Long Beach and the Pike during this time in history.<br /><br />Odds and Ends: <a href="https://www.schoonerorlater.com/about.html" target="_blank">Schooner or Later</a> is open every day of the week beginning at 7 am, closing at 3 pm Monday through Friday, and at 4 pm on Saturday and Sunday. The restaurant serves breakfast and lunch during all hours of operation, giving you plenty of options regardless of what you are in the mood to eat. Schooner or Later is located at 241 Marina Drive. <br /><br />Breakfast Menu: If you are in the mood for a nourishing breakfast to get your day off to a great start, Schooner or Later has you covered. There is no shortage of egg dishes, omelets, and Benedicts <a href="https://www.schoonerorlater.com/menus.html" target="_blank">on the menu</a>. Flagship dishes include a country breakfast with your choice of a pork chop or chicken fried steak, authentic chilaquiles, and the iconic "The Mess" dish, paying tribute to the original owner of this restaurant location. <a href="https://www.schoonerorlater.com/menus.html" target="_blank">The Schooner or Lighter menu</a> offers options such as oatmeal with a variety of toppings, a mixed fruit bowl, and a yogurt parfait. Those with a sweet tooth will appreciate the many pancakes, waffles, or French toast choices.<br /><br />Lunch Menu: Tasty lunch options include a wide array of fresh salads, hearty soups, hamburgers, and loaded hot dogs. Or go the sandwich route with a myriad of cold, hot, and melted options. A rotating soup selection means that you will never get bored with the menu choices at Schooner or Later. Popular lunch items include the blackened shrimp salad, the roasted corn chowder, the classic cheeseburger, the grilled chicken and avocado sandwich, the fish and chips, and the meatloaf sandwich. One thing is for certain: you will not go hungry at Schooner or Later.<br /><br /> The friendly staff at <a href="https://www.schoonerorlater.com/" target="_blank">Schooner or Later</a> invites you to stop by for lunch or breakfast to see why this restaurant has been a Long Beach institution for years.2022-08-01T07:20:00-07:002022-08-01T07:34:58-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:20989Bigger? Yes! The Economic Shock Is Getting BiggerAccording to housing economists, an economic shock will arrive due to sharply increasing mortgage rates. This is likely bad news for homebuyers. Freddie Mac recently reported a one-week increase in the average 30-year fixed mortgage rate from 4.42% to 4.67%. This is up from December's rate of 3.11%. <br /><br /> These rising rates can negatively impact buyers in a number of ways. Some may lose their financing due to the inability to meet the strict debt-to-income ratio. Others may simply decide the increase is not worth the added cost. To demonstrate the impact, the monthly mortgage payment on a $500,000 loan at 3.11% would be $2,138. At a rate of 4.67%, they would pay $2,584. That's a substantial difference. In fact, over the life of the loan, they would end up paying an extra $160,698. <br /><br /> Industry experts don't foresee a housing crash, however. While there could be some bumps along the way, it's likely that things can even out in the long run. Wary buyers backing away from the market may actually lead to an increase in inventory that has been lacking in recent times. Currently, the number of homes for sale is about 48% below what was available pre-pandemic. Even a slight increase may level the playing field a bit for those still wanting to buy. <br /><br /> Higher rates could be a blessing in disguise that allows the inequitable seller's market to return to more a more attainable status. In March, as rates were beginning to soar, the housing market remained incredibly active. The reason behind this is that those buyers had locked in mortgage rates at January and February levels. Those approaching the market at this stage will be subject to current increased rates. <br /><br /> That's not necessarily a bad thing. As buyer interest declines, the previous real estate frenzy will die down. This shift will impact the market in a number of ways. For instance, higher mortgage rates should curb previous price hikes. <br /><br /> Trends in the housing market have been unsustainable and have likely played a pivotal role in the current uptick in overall economic inflation that is occurring nationwide. The Federal Reserve actually forecasts an upcoming housing bubble as a result if previous trends don't come to an end. <br /><br /> It's clear that there is a reason for concern. Such high housing costs in conjunction with low supply and high buyer demand have led to a situation with multiple ramifications. Not only has the housing market become untenable, but the country has also seen a number of negative economic impacts as a result. <br /><br /> Though mortgage rates are climbing, this could be a signifier that the market is on its way toward stabilizing. <a href="https://www.andydanecarter.com/contact/" target="_blank">A real estate agent in Long Beach</a> can advise you on the best way to proceed if you're interested in either buying or selling a home.2022-07-25T07:00:00-07:002022-07-29T05:11:26-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:20845Enjoy A Night Of Good Company, Good Music, And Good Food At The Boathouse On The BayOne of the best things to do in Long Beach is to sail up to the <a href="https://boathouseonthebay.com/" target="_blank">Boathouse on the Bay</a> and enjoy an unforgettable lunch or dinner. You can have "breakfast for dinner" if you like, including the scrumptious egg dishes and tempting French toast. For lunch or dinner, the surf or turf options delight both the eyes and the palate and will leave you wanting more. For certain items, the time of year is important, but the Boathouse on the Bay makes every effort to have all of its menu items available if possible.<br /><br /> Should you enjoy yourself at <a href="https://boathouseonthebay.com/" target="_blank">Boathouse on the Bay's</a> little slice of heaven, then please consider them for your next private event. They will see to your every need and deliver the same world-class fare to which you're accustomed at their restaurant. You and your guests can enjoy delicious cocktails in the lounge and then indulge your inner foodie in either the Regatta Room or on the waterfront patio. <br /><br /> They also <a href="https://boathouseonthebay.com/entertainment/" target="_blank">provide exceptional live entertainment</a> for you while you dine. Musical luminaries of the West Coast appear throughout the year, and the styles range from Hawaiian to classic guitar rock. There's bound to be something for everyone's taste on our lineup.<br /><br /> Should you want a cozy night in, but you still want to sample all that's good from their kitchen, you can order online and pick it up. They take exactly the same care in preparing your meal for takeout that they would take if you were dining in. It's great for date night with that someone special.<br /><br /> For an extra thrill, <a href="https://boathouseonthebay.com/duffy/" target="_blank">climb aboard the Duffy</a> for a sweet and slow cruise around the harbor while sampling their succulent sushi or surf and turf. Bring a group of friends, and have an unforgettable experience with the wind in your hair and joy in your heart.<br /><br /> Once you've enjoyed a lovely repast with <a href="https://boathouseonthebay.com/" target="_blank">Boathouse on the Bay,</a> you can stroll along the wonderfully scenic North Marina Drive and check out all the cute and interesting shops. Do you knit? Then, the <a href="https://www.yarncompany.com/" target="_blank">Alamitos Bay Yarn Company</a> will be a great place to browse. <a href="http://captains-locker.com/" target="_blank">The Captain's Locker</a> is one of the last few ship's chandleries on the West Coast. It's got everything you could possibly want or need to stock and maintain your boat.<br /><br /> Just around the bend on East Marina Road is the <a href="https://www.sanpedrofish.com/locations/#longbeach" target="_blank">San Pedro Fish Market</a>. You can sojourn there on a Monday evening to satisfy your craving for seafood fine dining. For some unlimited browsing, check out the Marina Shores Mall on East Marina Drive too. During the summer, you can even slake your thirst with a pair of shakes from Shake Shack.<br /><br /> <a href="https://boathouseonthebay.com/" target="_blank">Make a reservation with us today,</a> and enjoy the good life while dining with us.2022-07-18T06:50:00-07:002022-07-29T05:09:22-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:20679What Does Contingent vs. Under Contract Really Mean?If you have been <a href="https://www.andydanecarter.com/property-search/results/?searchtype=3" target="_blank">looking into homes for sale in Long Beach</a>, you will no likely be inundated with all sorts of real estate jargon. Real estate is like any other industry in that it has its own vocabulary and this article has been written to give you a better understanding of what terms and phrases like "contingent" and "under contract" actually mean.
Active
This is a property that is on the market and up for sale. While it may have gotten some offers, none have been accepted.
Closed (CL)
This is a sold property that has left the market.
Active with Contract (AWC)
This means that while an offer has been accepted, the seller is open to backup offers if the initial one falls through. While a seller can pursue backup offers as a precaution, this term shows up a lot in short sales; they often fall through, and having a second option can be beneficial.
Under Contract (UC)
The seller has agreed to a contract with a buyer but the deal has not been finalized.
Contingent vs. Under Contract
"Contingent" means that an offer has been accepted by the seller and the home is under a contract. However, sales are subject to and conditioned upon certain criteria that are met by one or both parties. These criteria can include inspections, financing, title searches, and so on. Some properties continue to be shown when contingent and a seller is interested in backup offers.
Deal Pending (DP)
This is when the seller has accepted an offer, executed a contract and all contingencies have been met, leaving the home's sale as pending. This is when escrow is involved with both parties working to close. While DP status remains until the closing occurs, there is still a window for the seller to accept a backup offer.
Pending, Showing for Backup
The property's owners are actively invested in backup offers.
Pending, Subject to Lender Approval
The seller has accepted one offer but is waiting for the buyer's bank to agree. Should the bank, the lender, deny the arrangement, the property is free to other offers.
Back on Market (BOM)
This is any property that has returned to the market after a pending sale.
Expired
This is an inactive property listing, likely due to failure to sell. The seller may still be willing to accept offers.
Temporarily Off Market (TOM)
The owner has pulled the property listing for an indeterminate amount of time. This is often done because the house needs work or the home cannot be displayed.
Withdrawn
One of the simpler terms, this means the property is off the market. Maybe the seller decided to keep the place or has received no good offers.
In Conclusion
That covers many of the common terms you will encounter when you look over pages and pages of listings for real estate. This also means that you have a better idea of which properties to keep bookmarked for a second pass and which are likely to never be available. Use this knowledge well.2022-07-11T07:00:00-07:002022-07-27T05:03:09-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:20547Shop Until You Drop At Shoreline Village<a href="https://shorelinevillage.com/" target="_blank">Shoreline Village</a> is the epicenter of fun in Long Beach. Offering dining options for every personal taste and budget, a number of retail shops, and activities galore, you could spend an entire day at <a href="https://shorelinevillage.com/" target="_blank">Shoreline Village</a> and never get bored. Here is what you need to know when planning your visit to this bustling hub of Long Beach.<br /><br />About Your Visit: This <a href="https://shorelinevillage.com/shopping/" target="_blank">retail area</a> is located at the south end of Interstate 710, otherwise known as the Long Beach Freeway. Drivers will appreciate the plentiful parking available onsite. You will also enjoy discounted parking rates with validation from the vendors. Or consider taking The Passport, a complimentary shuttle bus service that connects the village to downtown Long Beach as well as the <a href="https://www.aquariumofpacific.org/" target="_blank">Aquarium of the Pacific</a>, <a href="https://queenmary.com/" target="_blank">The Queen Mary</a>, the <a href="https://www.metro.net/riding/guide/a-line/" target="_blank">Metro Blue Line</a>, and more.<br /><br />Dining Options: You will <a href="https://shorelinevillage.com/dine/" target="_blank">not go hungry when visiting the village</a>. Be sure to consider either <a href="https://shorelinevillage.com/dine/fine-dining/queensview-steakhouse/" target="_blank">Queensview Steakhouse</a> or<a href="https://shorelinevillage.com/dine/fine-dining/parkers-lighthouse/" target="_blank"> Parker's Lighthouse</a> for your next special occasion meal. Both options offer sweeping views of the Pacific along with delicious cuisine in an upscale setting. For something more casual, you will appreciate options such as the <a href="https://shorelinevillage.com/dine/casual-dining/yard-house/" target="_blank">Yard House</a>, <a href="https://shorelinevillage.com/dine/casual-dining/tequila-jacks/" target="_blank">Tequila Jack's</a>, <a href="https://shorelinevillage.com/dine/casual-dining/gilan-pizza-grill/" target="_blank">Gilan Pizza & Grill</a>, <a href="https://shorelinevillage.com/dine/casual-dining/shenanigans-irish-pub-grill/" target="_blank">Shenanigan's Irish Pub & Grill</a>, and <a href="https://shorelinevillage.com/dine/casual-dining/louisiana-charlies/" target="_blank">Louisiana Charlie's</a>. Or stop by for a quick snack at one of the village's sweet shops or coffee stands. With a wide array of cuisine options that cover every budget, you will find something that satisfies your needs and your belly at the village.<br /><br />Shopping Opportunities: This venue is also a great place to pick up a souvenir, shop for that next special outfit, and more. Strolling around the village, you will discover a <a href="https://shorelinevillage.com/shopping/" target="_blank">myriad of retail shops</a>. Offering items ranging from clothing to unique gifts, you will love checking out all of the merchandise available to shoppers. Pick up something to remember your time at the coast at <a href="https://shorelinevillage.com/shopping/the-beach-house/" target="_blank">The Beach House,</a> indulge the kids with a gift from the <a href="https://shorelinevillage.com/shopping/pirates-cove/" target="_blank">Pirate's Cove</a>, or browse the trendy apparel and accessories at <a href="https://shorelinevillage.com/shopping/queen-mary-couture/" target="_blank">Queen Mary Couture</a>. Those are just a few of the shops that you will find at the village.<br /><br />Activities and Attractions: In addition to the retail and dining options, you will also find a bevy of activities and attractions to make the most out of your time while visiting the village. Head out for adventure by visiting <a href="https://shorelinevillage.com/play/wheel-fun-rentals/" target="_blank">Wheel Fun Rentals</a> and reserving one of the many bike options, including surreys, electric bikes, and more. Treat yourself to a sunset dinner cruise through <a href="https://shorelinevillage.com/play/spirit-cruises/" target="_blank">Spirit Cruises</a> or soar above the Pacific Ocean with a flight above <a href="https://shorelinevillage.com/play/long-beach-parasail/" target="_blank">Long Beach Parasail</a>. These activities and more can be found at the village.<br /><br /> If you are looking for things to do in Long Beach, there is no doubt that you will find what you are looking for at <a href="https://shorelinevillage.com/" target="_blank">Shoreline Village</a>.2022-07-05T06:10:00-07:002022-07-28T05:09:30-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:20387Looking For Homes Is Not What It Was Like For Our Parents! A half-century ago, prospective homebuyers had very few options when it came to property searches and research. They were limited to a real-estate company's expertise and industry contacts. Currently, looking for homes is not what it was like for previous generations. Look at the key differences that define this age so that you can be successful in your house-hunting search.
<br /> 1. Going Online First Crosses Generational Gaps
The Internet has certainly changed the real-estate world forever. Previous generations had to drive past homes or visit open houses as their only form of visual on a property. Going online today gives you photos, videos, and 360-degree views of properties across the globe. You have a chance to weed out any properties that don't work for your needs before making a commitment to an open house. Online searches provide neighborhood data too, which gives you another layer of how a community might improve your life.
<br /> 2. Word-of-Mouth Tactics Gain Traction
Speaking to loved ones and contacts in the community used to be a tactic of the baby boomers and silent generation, but the millennials are seeing the value in this strategy. Twenty- and thirty-year-old people are asking for opinions, seeking first-hand knowledge, and coupling this information with online data to make a solid decision. In many cases, millennials are some of the most well-informed homebuyers in the marketplace today. By using a mixture of communication outlets, millennials find great deals in otherwise overlooked neighborhoods.
<br /> 3. Turning to the Bank
Gen X focuses on the practical side of home buying when compared to the older generation. Forty-year-old buyers are turning to the bank as a way to secure financing before even seeing a home. The older generation usually finds a property, and then they figure out the money aspect. In this fast-paced industry, a home might be sold before the buyer can venture to the bank after an open house. Gen X sees that financial power can be a powerful tool as you visit several properties. A bid can be placed almost simultaneously with an open-house visit, for example.
<br /> 4. Down-Payment Difficulties
A key reason why looking for homes is different now than in the past involves finances. Saving for a down payment is much harder for twenty- and thirty-year-old buyers compared to the older generations. Young people juggle student-loan debt and issues in the employment sector, including COVID-19 concerns. <br /><br /> Making saving difficult on another level is the amounts required by lenders today. Many banks ask for 20 percent down, which can equate to tens of thousands of dollars upfront. Older generations had less school debt or none at all in their youth, and this fact helped them along with affordable down payments at the time.<br /><br /> <a href="https://www.andydanecarter.com/property-search/results/?searchtype=3" target="_blank">Homes for sale in Long Beach</a> can list one day and sell the next. <a href="https://www.andydanecarter.com/contact/" target="_blank">Contacting real-estate professionals</a> is a clever way to get in on the proverbial ground floor. Finding and securing a home in the 21st century takes a mixture of technological savvy and old-fashioned connections.2022-06-27T06:20:00-07:002022-07-28T05:10:49-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:20279Celebrate The 4th Of July With A BANG This Year With One Of These Events!Hundreds of years ago, a ragtag team of independent thinkers in a new land angry about unfair taxes and a lack of representation came together to establish the country we now call the United States of America. While there is still progress to be made, it's a great time to celebrate the 4th of July in Los Angeles with these three things to do in Long Beach on the 4h of July.
<a href="https://allevents.in/los%20angeles/4th-of-july-party-fireworks-cruise/200019492097718" target="_blank">4th of July Party: Fireworks Cruise in Los Angeles</a>
Enjoy the 4th of July on the historic ship the Queen Mary. Bring the whole family for a day of fun crafts, games, and food. When you need a break for a couple of hours, you can take in a movie screening(they will be featuring a film related to the 4th of July, of course). For the perfect end of the night, you will get the best view of the Queen Mary's own firework display complete with the perfect music. <br /><br /> This is perfect for families who want a lot of things to do during the day.
<a href="https://allevents.in/los%20angeles/2022-4th-of-july-1m-5k-10k-131-262-save-$2/10000198164143287" target="_blank">4th of July: Land that I Love Run</a>
Celebrate America's birthday and support the troops at the same time by attending the 4th of July: Land that I Love run. You can run either 5K, 10K, or 13.1K. 15% of proceeds go to HOMES FOR OUR TROOPS, so you'll be supporting homeless veterans and celebrating America at the same time. <br /><br /> Even better, if you sign up now, you'll save $2 with registration now at $16 instead of $18. <br /><br /> Keep in mind that this race is completed independently. According to the site, "You complete your race on your own and submit your time to us. Then we ship your medal directly to you."<br /><br /> This option is perfect for individuals or families who want to give back for the 4th of July and prioritize health.
<a href="https://allevents.in/los%20angeles/america-fest-at-the-rose-bowl/200020888483836" target="_blank">America Fest at the Rose Bowl in Pasadena</a>
Located at the Rose Bowl in Pasadena, this celebration includes classic American food and plenty of fun things to do. You can watch Motorcross riders perform stunts. American Idol winner Maddie Poppe will also be there, leading a Michael Jackson tribute. Of course, the grand finale involves the fireworks display at the end of the night. <br /><br /> This option is perfect for a family or a romantic date, especially for people who love music and Motocross.
Conclusion
The 4th of July is a joyous occasion, and it's a great opportunity to celebrate with your family and loved ones. Don your red, white, and blue and try one of these things to do in Long Beach on the 4th of July.2022-06-21T06:10:00-07:002022-06-21T06:21:41-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:20128Did Someone Say Mortgage Rates? What Is Going On And Where Will They Go?Buying a home is contingent upon buyers being able to afford a loan. These funds are directly impacted by the Federal Reserve's activities on the prime rate or interest amount. If you've heard that rates are going up in 2022, not everyone may understand how this affects their lives. Take a look at why mortgage rates are rising and where this takes the average consumer into 2023.
Fighting Inflation
Anyone who's walked into a grocery store today will see that everything has a higher price tag than last year. Inflation is definitely being felt across all products. To combat the rising prices, the Fed responds by systematically raising interest rates.<br /><br /> The government uses a rise in interest rates to calm inflation and balance out the economy. Reportedly, the Fed will continue to raise rates until a change in the marketplace can be quantified. Knowing when the economy has stabilized from rising inflation is a lesson in hindsight; the Fed won't know the nation is out of an inflationary time until it's moved entirely out of this scenario.
The Time to Buy is Now
With rates currently moving upward in quarter points, the time to secure a property with a fixed rate is now. Your rate may not be at a historically low point, but it'll still be affordable compared to future rates. The economy will always fluctuate. Take advantage of the present rates by locking in a loan. Most banks hold or lock an interest rate for you when underwriting is in process. Your loan can go through after a month or two with a good rate.
Gradual Increases
If you're thinking of waiting even a few months to buy a home, the rates may be even higher then. The Fed will increase rates every few months in 2022. It's possible that 2023 might have some increases as well. Gradually increasing the rate is how the economy can improve without shocking banks and consumers. <br /><br /> Homebuyers must also take their credit into consideration. Mortgage rates are on the rise, and some consumers may not qualify for the lowest rates either. As a result, a mortgage may be too expensive because low credit scores and high rates create an expensive monthly payment.
Looking at the Bigger Picture
Housing prices have historically risen over time. Currently, a property might gain nine percent in value during this year alone. This added value or equity only adds to your net worth. Securing a fixed interest rate right now can only improve your financial security. The rate may not be as low as you prefer, but the trade-off is remarkable equity over time. As you pay down the mortgage balance, the equity will rise and give you an asset that can be sold in the far future.<br /><br /> Take a look at <a href="https://www.andydanecarter.com/property-search/results/?searchtype=3" target="_blank">homes for sale in Long Beach</a> because now is the time to be proactive. Decide on the best property for you, and bid a reasonable amount. In time, the marketplace will balance out so that you can purchase a home for long-term prosperity.2022-06-13T07:10:00-07:002022-06-13T07:17:37-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:19861Revamp Your Summer Closet With Twig & Willow It is a well-known fact that shopping is one of the most popular things to do in Long Beach. This slice of coastal Southern California is known for its many boutique shops and unique retail offerings. <a href="https://twigandwillow.com/pages/about-us" target="_blank">Twig and Willow</a> is widely regarded as one of the best places in Long Beach to pick up a special outfit, grab that perfect gift, or add a new piece to your home decor. Here is what you need to know about this lovely boutique.<br /><br />About Twig and Willow: This fun retail outlet <a href="https://twigandwillow.com/pages/about-us" target="_blank">describes itself as part beach bohemian style and part California casual vibe</a>, creating a distinctive collection of clothing, accessories, and home goods. The boutique has been a mainstay of the Long Beach shopping scene for over 12 years, a true testament to its beloved place within the community.<br /><br /> Owner Karen Quimby Lobo opened the boutique as a place to showcase all of her favorite pieces and products. The carefully curated shopping experience will leave you feeling inspired and relaxed. Shoppers are treated to the latest trends in a multitude of shopping categories every time they step through the doors of the welcoming boutique.<br /><br /> You will enjoy two convenient locations of this popular retail outlet, located in Belmont Heights and Bixby Knolls. <br /><br />Best Sellers: Wondering what to add to your collection? Be sure to check out the <a href="https://twigandwillow.com/collections/best-sellers" target="_blank">Best Sellers section</a> to find what everyone is loving these days. This category includes both the Tried & True and Trending Now collections. Pick up a pair of stylish sneakers, a trendy zodiac necklace, or a new midi dress perfect for your next girl's night out. When shopping from these two carefully curated sections, you will feel confident that your style game is on point.<br /><br />Clothing and Accessories: The star of the show at this boutique is undoubtedly the clothing and accessories selection. <a href="https://twigandwillow.com/collections/clothing" target="_blank">Browse outfits</a> to fit any occasion or season. The boutique also sells a bevy of <a href="https://twigandwillow.com/collections/jewelry" target="_blank">classy jewelry pieces</a> to complement any outfit. Available accessories include shoes, handbags, sunglasses, hats, and more. Create the whole look with all of these options.<br /><br />Home and Bath & Beauty: In addition to the gorgeous clothing and accessories that you will find at this boutique, shoppers will also enjoy the wide array of <a href="https://twigandwillow.com/collections/home" target="_blank">home decor</a> and <a href="https://twigandwillow.com/collections/beauty" target="_blank">bath and beauty products</a>. Offering everything from books to vases to candles to room sprays, it is easy to outfit your entire home with these pieces. <br /><br /> Bath and body products include lip balm, body oil, soap, and more. The store also offers baby clothing and products. All of these options make the store a great place to pick up a special gift.<br /><br /> You deserve to head to <a href="https://twigandwillow.com/" target="_blank">Twig and Willow</a> to see what is new. There is no doubt that you will come away with something that you love.2022-06-06T06:40:00-07:002022-06-06T06:54:10-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:19736Did You Know Your House Likely Made $55K In Equity Over The Past Year! During the past year, you might’ve faced a few financial ups and down’s due to the fluctuations in the economy. While people might be complaining about rising gas prices, there is one thing that you can celebrate. The past year also brought skyrocketing home values, which means that your net worth has likely increased if you own a house. In fact, home prices rose by about 18% last year, which brings the average homeowner an increase of around $55,300 in equity. Knowing how much your home equity rose and what to do with your newfound extra funds gives you an edge on capitalizing on this prosperous time.
<br /> How Do You Calculate Equity?
Calculating equity is fairly simple. All you need to do is subtract what you still owe on your loan from the current value of your home. Since home values went up, you might need to do a little research to find out your home’s market price. One way you can do this is to look up similar homes in your area, or you can reach out to a <a href="https://www.andydanecarter.com/contact/" target="_blank">real estate agent in Long Beach </a>who can find out for you. This is especially beneficial if you’ve made some upgrades to your home that might increase your home’s value substantially more than the typical house like yours that’s on the market.
<br /> Why Are Home Values Rising?
Increasing home values are occurring because there’s a shortage of houses on the market. With more buyers being forced to compete to secure a home during the shortage, bidding wars are happening. Every time a buyer makes a higher bid, the value of the home goes up. While builders are working as fast as they can to put more homes on the market, this trend is expected to continue for a while longer. You’ll also find that home values are increasing at faster rates in high-demand areas where people are moving to find greater opportunities for employment or to improve their lifestyles.
<br /> Does This Mean It’s Time to Sell?
If you’ve been waiting to move for financial reasons, then you’ve likely just received the boost you need to go forward with finding a new house. The increased equity that you’ve just received can be exactly what you need to make a down payment or to feel comfortable with taking on a new mortgage. Having more money to put towards the down payment not only helps you to feel more financially stable but could also give you leverage over buyers who don’t currently have a home. Being able to demonstrate financial security to sellers gives you the competitive edge you need to secure a home in a tight market.<br /><br /> As you explore how much your net worth went up, keep in mind that different states had even higher equity hikes. In California, the average homeowner’s equity gain was around $117,000, which fits quite nicely into your financial portfolio. Choosing to make a move now while the market is still hot helps you take advantage of the increased equity to make buying your dream another smart investment.2022-05-31T06:20:00-07:002022-05-31T06:33:53-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:19595Enjoy Your Morning Cup Of Joe At Ground Hideout Coffee<a href="https://www.groundhideoutcoffee.com/our-story" target="_blank">Ground Hideout Coffee</a> is a family-owned coffee shop and cafe that brings the knowledge and experience of life on a coffee plantation together with the feeling of being a part of a family connected by coffee. <br /><br /> The Bonilla family grew up on a coffee farm where they learned to appreciate coffee harvested from their own backyard and acquired the skills of coffee growing and tasting. This, their Downtown Long Beach coffee shop, is the realization of a long-held dream to create an atmosphere that welcomes people from all walks of life to discover the joys of quality coffee the right way: with family and friends. <br /><br />
Coffee and Other Beverages
At <a href="https://www.groundhideoutcoffee.com/our-story" target="_blank">Ground Hideout Coffee</a>, you can enjoy a variety of coffees, teas, and all-natural bottled sodas and juices. Every espresso drink at Ground Hideout is measured down to the exact gram for the best taste and quality. In addition to the drinks described below, Ground Hideout also offers a seasonal rotation of specialty drinks. <br /><br />
Coffee at Ground Hideout Coffee
<a href="https://www.groundhideoutcoffee.com/our-story" target="_blank">Ground Hideout Coffee</a> serves specialty coffee freshly roasted each week by Santa-Cruz-based partner Verve Coffee. Their menu includes coffee brewed in the gamut of methods:
Drip coffee
Single-origin
Pour Over
Cold-brew
Nitro flash brew
Espresso
Macchiato
Cortado
Cappuccino
Americano
Latte
Orange cardamom latte
Chagaccino
Mocha
<br /> They also sell a variety of Verve Coffees retail. And, for those who want a little kick of another sort with their coffee, there’s even a <a href="https://www.groundhideoutcoffee.com/menu" target="_blank">Ground Hideout Coffee brand cold brew growler.</a> <br /><br /> If you like a little creamer in your coffee, you can choose between regular cream or milk as well as a selection of alternative kinds of milk that include almond, pistachio, and oat milk. If you like a little flavor mixed in with your coffee flavor, you can enjoy a variety of organic syrups added, including vanilla, SF vanilla, caramel, hazelnut, and lavender. <br /><br />
Teas
The selection of iced, hot, chai, kombucha, and matcha teas available at Ground Hideout rivals their coffee selection, with exotic tea-infused inventions like:
Matcha latte, rose latte, and lemonade
Masala chai and turmeric ginger chai latte
Kombucha on tap
Hot teas - Including Earl Grey, lavender mint, blueberry hibiscus, Yuzu peach green, and chamomile botanical medley
Iced teas - Including Peach black, citrus green, and wild berry hibiscus
Specialty hot teas - Like Valerian Dream, Elderberry Healer, and Moonlight Jasmine
<br /> You can also take a variety of Reishi teas and matcha teas with you to brew at home. <br /><br />
Food
In addition to their wide selection of drinks, <a href="https://www.groundhideoutcoffee.com/" target="_blank">Ground Hideout Coffee</a> also serves a palette of delicious food to satisfy your palate. Like their coffees and teas, all food served at Ground Hideout is made and served fresh with the highest quality ingredients. Their artisan pastries baked fresh every day are organic and preservative- and additive-free. They source their ingredients, like for their famous specialty toasts and breakfast burritos made in-house, from California farms. And, they offer gluten-free options. <br /><br />
Recap
Whether you live in Long Beach or are just passing through, whether you prefer coffee or tea or are just looking for a good bite to eat, <a href="https://www.groundhideoutcoffee.com/" target="_blank">Ground Hideout Coffee</a> is the perfect local hideout.2022-05-23T07:10:00-07:002022-05-23T07:18:02-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:19417First-Time Homebuyers Now Have More Flexibility Thanks To Remote WorkThe pandemic caused large numbers of working adults to change up their working environment. Many organizations realized that they were able to hold onto some of their most talented team members by allowing them to work remotely. This move allowed individuals to stay safe while completing their work assignments. Apart from that, it also freed up time for workers who usually had to dredge back and forth to work every day. This afforded employees the flexibility to spend more time with their families and to save money when it came to gas and food. One of the unknown benefits of remote work has also been the flexibility that it allows those individuals who are trying to buy homes for the first time.
Why Remote Work is Perfect for First-Time Homebuyers
Within the last few years, purchasing a home has become more and more complex. There is less inventory in a large number of areas. This could mean that it is more difficult for first-time homebuyers to find their home in their desired location. On the other hand, when homebuyers are working remotely or even in a hybrid situation, the scope of their home buying landscape is much larger. Why is this the case? Generally, working individuals want to live within a certain radius of their job. Since they will have to travel back and forth from work on a daily basis, it stands to reason that they should live close by. However, when working remotely, employees no longer have to worry about the long commute to work. Even if it is a hybrid situation in which employees only have to go to work a few times a week or even a month, they have the ability to find homes in areas that are not as close to their work environment.
Live Where You Like
Most people have an ideal location where they would love to live, but it can seem like an impossibility. Through the marvels of remote work, employees are able to find homes in their desired location and they are still able to work for their companies. If a person is working for a company in New York, for example, he or can <a href="https://www.andydanecarter.com/property-search/results/?searchtype=3" target="_blank">look for homes for sale in Long Beach</a>. Even though the employee will have to deal with the time difference, it can still be a worthwhile venture. Add to that, homes that are located in more rule areas are generally more affordable, and if a person is working remotely, they can decide to live further away from the city. In this way, they are still able to benefit from their great job, but they can have a beautiful house with more rooms, more square footage, and more land. The change to remote work has not only been beneficial for companies and employees but first-time homebuyers.2022-05-16T06:30:00-07:002022-05-16T06:42:52-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:19275Spend A Day At Sea With SoCal And Their Expert Whale Watching TeamIf you are in dire need of interesting things to do in Long Beach, there are few better experiences than what <a href="https://www.socalwhalewatching.com/" target="_blank">SoCal Whale Watching</a> provides. Simply park along Aquarium Way and you can depart on one of many excursions into California's waters. While the company offers two amazing whale-watching experiences, a public 90-minute one, and a private 150-minute version, there are other things you can do while enjoying California's sea life aboard Captain Steve's vessel.<br /><br /> Even the eponymous activity of whale watching extends to opportunities to watch pods of dolphins. If your time is limited but you still want to have an amazing aquatic experience, <a href="https://www.socalwhalewatching.com/" target="_blank">SoCal Whale Watching</a> offers a 60-minute adventure to spot sea lions, whales, and dolphins along Long Beach. If you are feeling like something passionate, the company offers a 90-minute cruise complete with champagne, a toast, and a picnic right at the peak of sunset to give that extra flourish of romance.<br /><br /> Lastly, the company offers guests the chance to explore Catalina Island during all hours of operation. Guests can explore the coves, vacant beaches, and vibrant rock reefs. Picnicking supplies are provided and the price of admission covers snacks, lunch, and drinks.<br /><br /> If you think these options sound nice but at in the mood for something more specific to your group's exact tastes, <a href="https://www.socalwhalewatching.com/" target="_blank">SoCal Whale Watching</a> is open for private charters. This allows you to decide on what locations you want to see, with blankets, towels, and a Bluetooth speaker provided for all endeavors plus a full charcuterie picnic, should the charter take up at least three hours out of the day. You are also able to pick from multiple drop-off locations to suit your perfect trip.<br /><br /> Regardless of the specific sort of outing you have in mind, the boat is limited to a maximum party size of 6 people so there is more than enough room to handle couples and families. Just remember that you will want everyone to wear at least one extra layer of clothing to handle the weather and waters, proper eye protection, and of course a camera to record every amazing minute of your nautical activity.<br /><br /> One thing that you should keep in mind is that the sorts of creatures you can see on one of these excursions vary with the season. While dolphins are always a crowd-pleaser as they swim through the waters all year, summer is ideal for spotting the largest variety of whales from blues and grays to humpbacks, Minkes, fins, Seis, and even sometimes an orca; the fall season opens up for sightings of gray whales, humpback whales, and fin whales; winter is when gray whales migrate and give birth around Baja and spring is when you can find humpback whales, the occasional krill-hungry blue whale, and gray whales, the last of which are commonly mother-child pairs in this season. In short, you are bound to have an amazing encounter with at least one form of sea life by signing up with SoCal.2022-05-09T06:30:00-07:002022-05-09T06:40:21-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:19104Why You Should Know Your Home's ValueThere are a few crucial reasons you should always know your home's value. An accurate understanding of what your home is worth allows you to have the intelligence needed to make intelligent decisions. It will help you if you are <a href="https://www.andydanecarter.com/contact/" target="_blank">looking for a real estate agent in Long Beach</a>, and it can even help you when looking for a competent expert to repair something. Either way, your home's value opens many doors that might be beneficial to you in the future.<br /><br />
What Influences Your Home's Value
Comparable Homes
<br />One of the most significant influences on the value of your home is the value of all the houses in your neighborhood. For example, your home's value is most likely to be similar to the ones of recently sold homes around you. It is also going to be the same when it comes to the size of all the homes around you. It is why you need to understand your neighborhood well before and after buying a home.<br /><br />
Age
<br />New homes are more likely to be valued at a higher price. The wear and tear that happens as a house gets older will decrease its value.<br /><br />
Size
<br />The square footage of your home has a minor influence on how the price is calculated. However, not all square footage is equal, which is why it influences a tiny part of the process overall. It is still essential to understand how pricing affects homes around you.<br /><br />
Renovations
<br />A significant part of the process that is within your control is the renovations you do to your home. Renovations have a massive influence on where your home will be valued. The renovations you do can offset a lot of the lost value that comes from aging and your home having a smaller size. You can even increase the value of your home by doing certain renovations over others. However, the major downside of doing renovations is that they also add cost to your home. If you are looking to sell, you may not want to spend the money needed to renovate certain areas. The renovation cost might be a lot higher than the benefit you get from doing it.<br /><br />
Benefits Of Knowing Your Home's Value
If you are <a href="https://longbeachvaluation.com/" target="_blank">looking to sell</a>, this information is useful because it allows you to bring up the value of your home. You can understand the current market, which will help you decide on actions to take to make your property more valuable. You can also see how it compares to other homes in your neighborhood. Overall, it is just a good idea to bring up the value of your home because it is where your net worth is most likely to be stored.<br /><br />
Wrapping Up
Homeowners should always keep an eye on the value of their property. This information might seem useless, but it offers plenty of insights that make buying and selling properties better. It also helps you understand the market more deeply. As the housing market heats up, you want to take advantage of every opportunity you can to be one of the best in this arena.2022-05-02T06:50:00-07:002022-05-02T06:59:08-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:19026Explore The Aquarium Of The PacificAre you searching for things to do in Long Beach, California? Why not head to the <a href="https://www.aquariumofpacific.org/" target="_blank">Aquarium of the Pacific</a>? Whether you're a giant family or a party of one, it's a sensational spot to spend a few hours marveling at Mother Nature's underwater creations.<br /><br />
What Is the Aquarium of the Pacific?
Located on Rainbow Beach, across from the Long Beach Convention Center and Shoreline Village, the five-acre facility is home to about 11,000 animals representing over 500 different marine, mammal, and bird species. As accredited members of the Association of Zoos and Aquariums, the facility and its staff are properly trained and participate in practical conservation work.<br /><br />
What’s at the Aquarium of the Pacific?
The aquarium has six galleries and one garden feature.<br /><br />
<a href="https://www.aquariumofpacific.org/exhibits/southern_california_baja_gallery" target="_blank">Southern California & Baja Gallery</a>
The Southern California & Baja Gallery highlights underwater habitats surrounding Catalina Island. There's also an Amber Forest exhibit filled with giant kelp, Garibaldi, and California scorpionfish. Other gallery highlights include:
Cortez rainbow wrasse
Mexican lookdowns
Porcupinefish
Seals
Sea lions
Ray touch pool
Shorebird sanctuary
<a href="https://www.aquariumofpacific.org/exhibits/northern_pacific_gallery" target="_blank">Northern Pacific Gallery</a>
A celebration of the Bering Sea, the Northern Pacific Gallery is home to sea otters, octopi, puffins, auklets, Japanese spider crabs, sea anemones, and jellyfish.<br /><br />
<a href="https://www.aquariumofpacific.org/exhibits/tropical_pacific_gallery" target="_blank">Tropical Pacific Gallery</a>
The Tropical Pacific Gallery focuses on fish and marine life from the western Pacific, specifically the ecosystems in Palau's waters. It contains the aquarium's largest tank, clocking in at 350,000 gallons, and holds a tropical reef. Olive Ridley sea turtles, zebra sharks, and other indigenous swimmers live within.<br /><br /> Other tanks in the Tropical Pacific Gallery house leafy seadragons, sea kraits, weedy seadragons, and big-belly seahorses.<br /><br />
Explorer’s Cove
Explorer's Cove is the aquarium's main outdoor exhibition space, featuring Shark Lagoon and Lorikeet Forest. The former is home to over 150 sharks and rays. The latter is a walk-through aviary with five lorikeet species and violet-necked lories.<br /><br />
<a href="https://www.aquariumofpacific.org/exhibits/penguin_habitat" target="_blank">June Keyes Penguin Habitat</a>
The Aquarium of the Pacific has a waddle of Magellanic penguins who live in a habitat named after June Keyes. It features an underwater crawl-in space so guests can observe the flightless birds from within the tank. <br /><br />
<a href="https://www.aquariumofpacific.org/pacificvisions" target="_blank">Pacific Visions</a>
The newest wing of the facility, Pacific Visions boasts a 4D theater with 266 seats and a 180-degree, wraparound screen. All guests can enjoy an eight-minute-long film that runs in the auditorium multiple times a day. The wing also features touch tanks and other interactive installations.<br /><br />
Earth-Friendly Garden
Measuring 4,700 square feet, the Aquarium of the Pacific's Earth-Friendly Garden sits on the facility's front lawn. The gigantic growing patch features drought-resistant plants native to California and a state-of-the-art irrigation system. Its purpose is to highlight possible solutions for the state's ongoing water shortage challenges.<br /><br />
Keeping Up With the Aquarium
If seeing pictures and videos of adorable animals and gorgeous fish brighten your day, then consider following the Aquarium of the Pacific on social media. They maintain active accounts on all the major platforms, and the content can brighten an otherwise gloomy day.
<a href="https://www.tiktok.com/@aquariumpacific?lang=en" target="_blank">Aquarium of the Pacific on TikTok</a>
<a href="https://www.instagram.com/aquariumpacific/?hl=en" target="_blank">Aquarium of the Pacific on Instagram</a>
<a href="https://twitter.com/AquariumPacific" target="_blank">Aquarium of the Pacific on Twitter</a>
<br /> Ocean life is incredible, and you can enjoy a front-row seat at the <a href="https://www.aquariumofpacific.org/" target="_blank">Aquarium of the Pacific</a> — one of the best things to do in Long Beach, California!2022-04-27T05:10:00-07:002022-04-27T05:21:03-07:00Andy Dane Cartertag:andydanecarter.com,2012-09-20:18867Do Not Remove These Contingencies When Buying A HomeIn a sellers' market like we have today, where homebuyers' demand far outstrips the availability of <a href="https://www.andydanecarter.com/property-search/results/?searchtype=3" target="_blank">homes for sale in Long Beach</a>, buyers are doing all they can to make their offers to buy more attractive than the competition. One way they do this is by offering to remove contingencies from the contract. <br /><br /> Contingencies are conditions one of the parties to a real estate transaction must meet in order for that transaction to proceed. There are certain contingencies that a buyer may be able to afford to let go of for negotiation purposes. Some contingencies, however, are vital to protecting homebuyers' interests and should never be used as bargaining chips. <br /><br />
Appraisal
A home appraisal tells you the value of the home you want to buy. It will tell you whether you're offering a fair price for the home or offering to pay too much. If the appraisal is too far below the price you've offered for the home, you can change your offer or back out of the deal altogether, if you wish. <br /><br /> The appraisal is also what the banks use to determine the amount and terms of the home loan to offer you. If the appraisal comes in too high, the bank loan you're offered may not be enough to cover your costs to buy the home, and, to proceed with the transaction in spite of that, you'll have to come up with the difference on your own. <br /><br />
Inspection
A home inspection tells you what repairs, if any, the home will need in the short term to be safe and livable. If a home inspector finds a problem in a home, the seller can opt to fix it in order to proceed with the transaction, back out of the transaction, or negotiate with the buyer to either share the cost or change other terms of the contract, like the sale price, to compensate. <br /><br /> If you waive the home inspection contingency, then you could end up buying a home requiring one or more expensive repairs just to pass the local residential housing code and be livable to move into. <br /><br />
Financing
A loan or financing contingency makes your offer dependent on your ability to get a loan to buy the home at your offered price. If you're unable to obtain financing, you have the right to rescind your offer and back out of the deal. <br /><br /> If you waive the financing contingency, however, you could be required to fulfill the contract anyway, putting you in jeopardy of being found in breach of contract if you don't. The only instance in which you can safely waive this contingency, however, is if you're paying cash for the home.<br /><br />
Septic Systems and Wells
In rural properties, water for drinking and bathing may come from a well, and waste may be dumped into a septic system. These are both critical elements that make a home livable, without which you wouldn't be able to move in. If there's a problem with either the well or septic system in a home, it can be expensive to repair. If you waive this contingency, you could be forced to adhere to the contract and, then, pay for the repairs yourself.2022-04-18T06:30:00-07:002022-04-18T06:35:07-07:00Andy Dane Carter