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Apache is functioning normally

April 29, 2023 by Brett Tams

Life insurance can be an integral part of most any complete financial plan. The takings from life insurance coverage can be used in a wide variety of ways, such as for paying off debt, continuing to pay everyday expenses, ensuring that a child or grandchild has funds to attend college in the future, paying estate taxes, and/or ensuring that one’s funeral and other final expenses are taken care of.

When looking for the best life insurance policy, it is imperative to make sure that you have the right type and amount of coverage. That way, your survivors won’t need to worry about financial hardship at an already difficult time in their lives.

It is also essential to ensure that the life insurance carrier you are planning to purchase the coverage through is secure and stable from a fiscal standpoint and that it has a positive reputation for quickly paying out its policy holder claims. One insurance carrier that meets these criteria is The Hartford.

History of The Hartford Life Insurance Company

The Hartford has been in the business of providing life insurance coverage for more than two centuries. The company had its beginning back in the year 1810 when it was formed as a fire insurance carrier. The Hartford quickly differentiated itself from other insurance companies at that time, when in 1835, a fire destroyed New York’s fire insurance district and the leaders of the company pledged their fortunes to help with paying the claims.

Throughout the years, the company grew and expanded, adding some insurance products along the way. Hartford continues its path of excellence today. In addition to offering financial protection through insurance coverage, the company helps in the communities in which it serves and promotes volunteerism and charitable donations. The Hartford also became a founding partner in the U.S. Paralympics in 2003, and it has been named as one of the world’s most ethical companies nine times.

The Hartford Life Insurance Review

Today, The Hartford offers an extensive list of insurance and other financial products, which can help its clients to customize their wealth enhancement and protection essentially. The company has a key focus on property and casualty insurance, as well as mutual funds and group benefits. It also offers life insurance and retirement annuities.

In the year 2016, Hartford had a net written premium of more than $10.5 billion just in personal lines insurance. In fact, Hartford is a leading direct personal lines insurance carrier, with a 30+ year partnership with AARP. The insurer has a leading share in P&C small commercial, and it is rated as the number two provider of workers’ compensation insurance. The Hartford is also ranked as the number four insurer in the group disability market, and number seven position in group life insurance coverage.

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Hartford Life is also a primary provider of group life insurance and in voluntary life insurance benefits. It serves more than one million small business customers with its coverage products. In 2016, the company had revenues of more than $18.3 billion. The Hartford is headquartered in Hartford, Connecticut.

Ratings and BBB Grade

Due to its strong financial position, The Hartford has high ratings from the insurer rating agencies. These include an:

A+ from A.M. Best Company
A+ from Standard & Poor’s
A1 from Moody’s Investor Services

Also, while The Hartford is not an accredited company through the Better Business Bureau (BBB), it has been given a rating of A- from the BBB, based on an overall grade scale of A+ to F. Over the past three years, The Hartford has closed out a total of 293 customer complaints – of which 13 were closed out over the past year.

Of these total 293 customer complaints, 202 had to do with problems with the company’s products and/or services, 71 were related to billing and/or collection issues, 12 were in relation to advertising and/or sales issues, 6 were delivery related, and the remaining 2 had to do with guarantee and/or warranty issues.

Life Insurance Policy Options Offered by The Hartford

The Hartford provides several options in terms of life insurance coverage. These come primarily by way of group life insurance coverage, as well as in voluntary life insurance plans that are offered through the employer-sponsored market.

Helping to protect employees against the unexpected is a key focus for many employers. Knowing that employees and their loved ones are covered financially can contribute to enhancing peace of mind, and in turn, employer productivity.

The Hartford offers industry leading group life insurance that includes features such as the following:

Enhanced Continuity of Coverage
Living Benefit Option
No Interruption in Premium Waiver Elimination Period
Portability and Conversion

In addition, there are also a variety of other programs that can provide employees with access to online tools and services that can help with guiding them through major life decisions, such as funeral planning and / or the creation of a will.

The Hartford also offers Accidental Death and Dismemberment Insurance (AD&D) in the group life insurance arena. Here, protection is available to employees, as well as for spouses and / or children against losses that can stem from unforeseen covered accidents.

With this plan, there is 24-hour accident coverage that can be combined with an employee’s group life insurance offering – or alternatively, it may be purchased by the employee as stand-alone coverage. There are also various riders available with this plan that can help to better customize the insurance to fit an employee’s individual needs.

The Hartford also offers a variety of voluntary life insurance options in the employer market. The coverage amounts of this life insurance can range from a flat dollar amount to multiples of the employee’s salary. There are also additional benefits offered, such as help with the preparing of a will, funeral planning, travel assistance, and more.

The term life insurance coverage that is provided via the Hartford’s voluntary benefits can include a living benefit option / accelerated death benefit, as well as accidental death and dismemberment (AD&D), and a disability waiver of premium. As with the group life insurance coverage, the voluntary life insurance benefits offered by the Hartford are both portable and convertible.

The coverage is also quite flexible, allowing employees in many cases to choose face amounts of between $25,000 to $250,000, as well as coverage for his or her spouse – up to 100 percent of the employee’s value.

With the voluntary benefit offering, there is also children’s coverage available. This coverage can range up to $15,000 in benefit. And, the coverage for all the insureds is typically guaranteed issue. This means that the individuals will be covered, regardless of their current health condition.

In addition to life insurance protection for employees, the Hartford provides value added services that can help an employee’s recovery in the event of an unexpected situation. Just some of these services include the following:

Counseling Beneficiaries – This service offers compassionate expertise that can help employees to cope with the financial, legal, and emotional issues that come from losing a loved one.
Funeral Planning and Concierge Services – These online tools can guide employees through a loss, such as help with planning a funeral.
Will Services – The Estate Guidance Will Services that is offered through The Hartford can help with protecting a future with an online will, which is backed by support from licensed attorneys.
Travel Assistance – With travel assistance, employees can get information to help them with feeling safe and secure.
ID Theft Protection and Assistance Services – Today, the fastest growing crime is identity theft. Once an identity has been stolen, it can wreak havoc on an individual and their family for many years to come. With ID theft protection services from The Hartford, employees will have access to educational materials that can help with preventing such a crime, as well as access to case workers who can assist with resolving issues that can arise from identity theft.

Other Products and Services Available

In addition to life insurance coverage, The Hartford offers many other products and services to its customers. These include the following:

Auto Insurance

The auto insurance that is available through The Hartford includes car / vehicle coverage, as well as coverage for classic vehicles, RVs (recreational vehicles), boats, golf cards, snow mobiles, and ATV (all-terrain vehicles).

Home Owners Insurance

The home owner’s insurance offered via Hartford includes coverage for one’s primary residence and investment property, along with renter’s insurance, condo insurance, flood insurance, and overall umbrella insurance coverage.

Business Insurance

The Hartford works with businesses to protect what is important to them. The company provides a wide variety of different business insurance protection options to choose from, depending on a company’s needs. These include:

Business owner’s policies
Workers’ compensation
Commercial auto insurance
Commercial property insurance
Data breach insurance
General liability
Home based business insurance
Employment practices liability
Personal Liability Insurance

How to Find the Best Life Insurance Premium Rates Through The Hartford

If you are seeking the best rates for life insurance coverage from The Hartford – or from any highly rated life insurance carrier , it is recommended that you compare policies and the prices of multiple plans with an independent insurance agent or broker – and from there, you can choose the option that will be right for you and your precise needs.

Source: goodfinancialcents.com

Apache is functioning normally

April 29, 2023 by Brett Tams

There is a lot of questions about Medicare and the coverage that it provides. It’s a confusing program that has left millions of seniors with confusion about their health care and the services that they cover. While you may not know it, your Medicare Parts A and B don’t pay for all of the expenses that you may encounter. In fact, there are about a dozen different categories that original Medicare doesn’t pay for, and those categories could leave you with some massive bills.

There is nothing that you can do about the rising cost of health care, but there are some ways that you can protect yourself from having your savings account drained. One of the most popular ways to protect yourself is to purchase a Medigap insurance plan. These policies will give you additional coverage and help will in the holes left behind by Medicare.

What is a Medigap Plan?

Before we look at the specifics of Medicare Supplement Plan B, let’s take a broad view of Medigap plans and how they operate. These additional insurance plans are sold by private insurance companies, and the goal of these plans is to give you additional coverage that traditional Medicare doesn’t.

There are ten different plans that you can choose from, and they are all denoted by a letter of the alphabet, A – N. These policies are standardized by the government, which means that they are going to be identical, regardless of which company that you purchase them from.

The older that you get, the more money that you’re going to spend on medical expenses and health care, and those expenses could quickly drain your retirement savings and turn your retirement dreams into a nightmare, but that’s where these Medigap plans come in.

Because these plans are sold by private insurance companies, the available options and the prices are going to differ depending on where you live and the company that you choose. Because they are standardized, the only difference in companies is going to be the premiums amount. It’s easy to see why you should compare dozens of companies before you pick the one that’s going to work well for you.

Medigap Plan B

Now that we’ve looked at the basic of Medicare supplemental plans, we can look at the details of a Medigap Plan B. Each of the available plans is different, and some of them provide more coverage than others. Plan B is one of the most basic plans, which is going to leave more coverage gaps. Because it provides less coverage, they are also going to have cheaper premiums. Plan B is an excellent way to get additional support without paying the larger premiums.

Plan B is going to cover the basic expenses like Medicare Part B copayments and coinsurance fees. This is one category that every Medigap plan is going to pay. It’s not a massive expense, but having those copayments paid for can keep hundreds of more dollars in your pocket depending on how often you go to the doctor.

Another expense that is coverage by Medigap Plan B is the first three pints of blood that you get if as a hospital inpatient or outpatient treatment. Your traditional Medigap Plan should cover the blood after the first three, which means that the blood will be completely covered if you’re ever in need.

Medigap Plan B will also pay for several Medicare Part A expenses that enrollees would be responsible for otherwise. Supplement Plan B will pay for the Medicare Part A deductible (which you probably wouldn’t be paying otherwise) and Medicare Part A hospital coinsurance for up to 365 days after your Medicare benefits have expired. If you’ve ever spent a night or two in the hospital, you know that it can be an expensive stay. If you’re stuck in the hospital for more than a few days, then it can be a massive bill at the end, but thankfully, your Plan B Medigap policy can offset those bills.

The last portion that your Plan B will pay for is any hospice care coinsurance or copayments. Once again, this would probably be a relatively small fee that you would encounter, but having your Medigap plan cover, it is going to keep some extra money in your pocket.

What Plan B DOESN’T Cover

Because Plan B is going to be one of the smaller plans, there are a few key categories that it won’t cover. It’s important to take note of these before you purchase one of these plans. One of the most notable is the Medicare Part B excess charges. When you go to the doctor and receive a service or treatment, there is a pre-approved amount that Medicare is going to pay for that service. Legally, the doctor is allowed to charge 15% more than that pre-approved amount, and any money above that amount is considered excess charges. Not every doctor or hospital is going to have these excess charges, but if you run into any of them and you have a Medigap Plan B, then you have to pay for these expenses out-of-pocket.

Another key coverage gap with Medigap Plan B is the foreign travel emergency care. If you plan to do a lot of traveling in retirement, then it’s important that you get a supplemental plan that covers foreign emergency care. In the vast majority of cases, traditional Medicare plan is not going to pay for any of those hospital fees if you’re outside of the United States, which can lead to massive hospital bills and a ruined vacation. If you have a comprehensive Medigap Plan, like a Plan F, then some of these expenses will be covered. None of the plans will pay 100% of it, but you can get some protection.

Deciding Which Medigap Plan is Right for You

It’s important that you pick the perfect supplemental coverage for you and your health care needs. There are several different key factors that you should review before you purchase any Medigap plan.

The first thing that you should do is calculate your budget and decide how much you can spend on supplemental coverage every month. The purpose of your Medigap plan is to protect your savings account, but your insurance plan shouldn’t break your bank every month. Make sure that you get a plan that will fit comfortably in your budget without stretching your finances.

The next thing you should look at is your health and family history. If you’re in poor health or you have any pre-existing conditions that could cost you massive medical expenses, then you should consider investing in a larger comprehensive supplemental plan. On the other hand, if you’re in good health and your family history doesn’t have a trend of poor health, then you could risk buying a smaller plan that leaves more coverage gaps but saves you money.

Open Enrollment Period

After you’ve decided which type of plan that you’re going to purchase, you will need to enroll in that plan. That’s easy to do. All you have to do is contact a Medigap agent, and they will take care of the application process for you. It’s a simple process, that is similar to purchasing a life insurance policy.

What’s important is the WHEN you apply. It’s vital that you sign up during your Medigap Open Enrollment period. This is a 6-month window that begins the month that you turn 65. During this period, the insurance company can’t decline your application, regardless of how poor your health is or any health problems that you have. During these six months, any Medigap plan that you want to purchase is guaranteed acceptance.

Additionally, if you purchase a Medigap plan during these six months, the company can’t charge you higher premiums, even if you aren’t in great health. After the open enrollment period is over, then your application will be treated as a normal application, which means that you could get much higher rates for your coverage. Taking advantage of the six months could save you thousands of dollars.

Questions or Concerns?

These Medigap plans are one of the best ways to get additional coverage that Medicare doesn’t offer. While Plan B might not be the best supplemental coverage for you, it’s important that you find the plan that will. I have reviewed all of the options that you can choose from.

If you have any questions about Medigap plans or supplemental coverage, feel free to contact me, or you can contact a Medigap agent. They can answer any of those questions that you may have and ensure that you’ve got all of the information that you need.

Source: goodfinancialcents.com

Apache is functioning normally

April 29, 2023 by Brett Tams

©
2023 MintLife Blog.

Source: mint.intuit.com

Apache is functioning normally

April 29, 2023 by Brett Tams

We invest a great deal of money into our homes—not only in regards to the physical structure, but on interior design, added features, and, of course, the items inside.

To help protect us financially, items often come with a warranty, offering a repair or replacement if the piece breaks down.

Many of us would not think twice about taking out a warranty for our refrigerator or washing machine.

When it comes to our properties, however, many homeowners are not prepared or covered in the event of an incident.

A home warranty can help to protect you and offer both peace of mind and financial compensation, but first you need to pick the right home warranty provider.

About American Home Shield

American Home Shield tops our list of the best home warranties. It is a firm providing home protection plans, which are specially designed to cover some of the most common issues and system breakdowns which may occur within your home.

Operating since 1971, they claim to cover over 1.4 million homeowners across 49 states.

They also boast a team of more than 10,000 contractors who can provide the services you need to get your home up and running.

How It Works

American Home Shield has a simplified process for coverage. The system works on the basis of a twelve-month contract.

You pick your plan, pay a month’s premium, and have your contract activated fifteen days later.

From this date, you are fully covered. Plans come in a range of options and can be paid via monthly payments to help make them more affordable.

How to Make a Claim

If you need to make a claim, you can contact American Home Shields via the website or phone, 24/7. This will put you in touch with a service representative, who will arrange for a contractor to be sent to your property.

It’s important to note that you will only be contacted by your contractor during regular business hours, despite the customer claim line having 24/7 accessibility.

The company claim that all of their contractors are of the highest quality to ensure that their customers remain completely satisfied, though some feedback has expressed concerns with the contractor they received.

How American Home Shield Assesses Claims

Upon arrival, the contractor will request a trade call service fee paid directly to them to start the process for them to diagnose the issue.

They will contact American Home Shield before taking any further action to check that your plan covers the problem before repairing or replacing the system.

While the consensus is that this phase is carried out effectively in most cases, there have been reports of some contractors failing to diagnose the issue after receiving the fee.

Benefits of American Home Shield’s Process

There are some bonuses to the system.

First, your plan is fully transferable, ensuring that you are covered even if you move from your house to another one during your policy period.

The policies are also ‘all risk,’ meaning that everything will be included unless explicitly stated; any exclusions will be made clear to you when you take out the plan.

Types of Plans

As we have mentioned, there are a variety of plan types available, depending on your needs. Pricing may vary according to location but can be paid via affordable monthly payments.

The policies on offer include:

Systems Plan

Usually retailing at around $32 per month, this covers the repair or replacement—where possible— of any components in the air conditioning and heating units of your home, as well as plumbing and electrical systems.

Appliance Plan

Like the systems plan, this coverage is offered at around $32 per month. The appliance plan covers components in refrigerators, dishwashers, washers and dryers, and other key household appliances.

If the appliance is covered, either a repair or replacement will be carried out, depending on what is needed.

Combo Plan

Offered at around $42 per month, this option combines the Systems and Appliance plans, providing all of the benefits of both with financial savings.

If you like the comprehensive coverage offered by both types of policies, the combo plan is an excellent way to save money.

Build Your Own

As the name suggests, this policy allows you to cover at least ten items, while picking and choosing the coverage you need. The price is dependent on what you prefer.

Each monthly payment can also be adjusted by altering the trade service fee which is paid to the contractor when they visit your home.

The set amounts are for $75, $100 and $200; the higher priced options will reduce the price you pay per month.

What is Covered

Each plan is different, but there is a general list of appliances and components which are covered by the policies:

Covered Under Systems Plan

Air conditioning (including ducting)
Electrical
Heating
Plumbing
Garbage disposal
Water heaters
Instant hot and cold water dispensers
Ceiling fans
Central vacuums
Doorbells
Smoke detectors

Covered Under Appliances Plan

Dishwashers
Refrigerators
Clothes washers and dryers
Ranges, ovens, and cook tops
Freestanding ice makers
Built-in microwaves
Garage door openers
Trash compactors
Built-in food processors

Add-ons

As a bonus, there are a few optional add-ons which can be purchased as part of the build your own plan.

Elements covered here include:

Pools and spas
Well pumps
Septic pumps
Water softeners

What is Not Covered

As with any policy, it is essential to be aware of what is not included. The fine print of the paperwork includes a few stipulations.

Be sure to consider the following factors:

Exact items listed: If you have updated your dryer but not informed American Home Shield, you will not be covered for that item.
Malfunctions covered by a warranty: If an item is covered by a manufacturer’s warranty, American Home Shield reserves the right to decide whether the item will be replaced or repaired or not.
Selection: Homeowners also do not get to choose the item if it is replaced; this is at the discretion of the contractor and doesn’t have to be a match in terms of the color, model, size, or brand.
Cash alternatives: If the contractor decides that they cannot repair the component, they may also offer a cash alternative.

It is always worth reading the small print before signing for a plan or policy as it will make your life easier and eliminate any expectations or confusion in the event of a claim.

Alternatives to American Home Shield

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Advantages and Disadvantages of American Home Shield

Pros

Pros of taking out a policy include:

Adaptability: A range of protection plans which can be adapted according to your needs
Comparison: The monthly repayments will almost certainly cost less than repairing or replacing your appliance or system as an individual
Access: You can file a claim 24/7
Coverage: Offers protection and reassurance even after the expiration of a manufacturer’s warranty

Cons

Time: Contractors will only contact you and carry out work during regular business hours
Quality of Contractors: There have been reports of some low-quality contractors being sent to the home of customers, and those who are only interested in the fee
Cost: Building up some savings and a network of reliable tradespeople may be a cheaper alternative

In Conclusion

Taking out a home protection policy can be a great way to protect your home and belongings, providing peace of mind and a financial safety net if anything goes wrong, and eliminating the need to worry or search for a contractor to fix the problem fast.

American Home Shield offers a variety of flexible and affordable plans to suit every lifestyle and budget and help to protect homeowners from high bills later on.

As with any policy, however, exclusions and exceptions apply, and it is a good idea to make sure you are fully aware of these before committing.

Source: goodfinancialcents.com

Apache is functioning normally

April 29, 2023 by Brett Tams

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New York, April 26, 2023 (GLOBE NEWSWIRE) — The Digitally Printed Wallpaper Market recorded a valuation of USD 3.2 billion in 2022 and is expected to reach USD 17 billion by the end of 2032, expanding at a CAGR of 18.4% over the decade. Digitally printed wallpaper is a type of wallcovering created using digital printing technology. Unlike traditional wallpaper, which utilizes the screen-printing process, digitally printed wallpaper is made using large format printers that print high-resolution images onto wallpaper material. This permits more intricate and detailed patterns, textures and imagery to be printed onto the material. Furthermore, this capability also enables the customization of designs according to individual preferences or needs.

To get additional highlights on major revenue-generating segments, Request a Digitally Printed Wallpaper Market sample report at https://market.us/report/digitally-printed-wallpapers-market/request-sample/

Key Takeaway:

In 2022, by substrate, the market is dominated by vinyl. Vinyl wall coverings are long-lasting, scratch-resistant, and simple to maintain.
By printing technology, the Inkjet segment is dominant with a market share of 62% in the overall market.
By end-user, the commercial segment is dominant because commercially printed wallpaper is frequently used to create distinctive designs that advance branding, improve ambiance, and distinguish places.
The North American region is dominant with a market share of 37%.
The CAGR of the Asia Pacific region is expected to have a high growth rate.

Factors affecting the growth of the Digitally Printed Wallpaper industry

Several factors affect the growth of the digitally printed wallpaper industry. Some of them are as follows;

Growing demand for customized wallpaper: As consumers increasingly desire personalized and customized wallpaper designs, digital printing technology provides the freedom to craft unique pieces according to individual tastes and preferences.
Advances in digital printing technology: High-quality digital printers have enabled greater precision, color accuracy, and detail when producing wallpaper designs; this has resulted in an uptick in demand for digitally printed wallpaper.
Growing consumer preference for aesthetically pleasing home decor products: With an increasing focus on home aesthetics, consumers are willing to invest in unique and captivating wallpaper designs that enhance the overall aesthetic appeal of their living spaces.
Rising disposable income: As disposable income continues to increase; consumers are willing to spend more on home decor items such as digitally printed wallpaper.
Growing demand for eco-friendly and sustainable wallpaper materials: As demand for environmentally friendly and sustainable wallpaper materials such as non-PVC wallpaper grows, the digitally printed wallpaper industry faces new opportunities.

To understand how our report can bring a difference to your business strategy, Inquire about a brochure at https://market.us/report/digitally-printed-wallpapers-market/#inquiry

Market Growth

The market for wallpaper that has been digitally produced has been expanding consistently in recent years. The demand for personalized also customized wallpaper designs is on the rise, and advances in digital printing technology and growing consumer preference for aesthetically pleasing home décor goods are also contributing factors to the growth. Moreover, the market has grown as a result of the expansion of the real estate sector, as well as rising disposable income and shifting living preferences. The demand for digitally printed wallpaper is anticipated to rise further as eco-friendly as well sustainable wallpaper materials, such as non-PVC wallpaper and gain appeal.

Regional Analysis

North America leads the Digitally Printed Wallpaper Market, boasting a 37% share. Europe is the biggest demand and awareness driver for personalized home decor goods; their supply chains and customer base are well-established within this industry. Over the forecast period, the Asia Pacific region also experienced substantial revenue generation growth at an increased compound annual growth rate (CAGR) of 7.3%. With growing consumer awareness and demand for personalized decor items, analysts anticipate further expansion of this sector across other regions such as South America, the Middle East, and Africa.

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Scope of the Report

Report Attribute	Details
Market Value (2022)	USD 3.2 Billion
Market Size (2032)	USD 17 Billion
CAGR (from 2023 to 2032)	18.4%
North America Revenue Share	37.0%
Historic Period	2016 to 2022
Base Year	2022
Forecast Year	2023 to 2032

Market Drivers

Digital printing technology advancements: The growth of digital printing technology has made it easier and more affordable to produce high-quality custom wallpaper patterns. Now that smaller producers and designers have more entry points into the market, there is more rivalry, which encourages innovation.
Customization and personalization: As consumers look for distinctive and personalized products more and more, digitally printed wallpaper offers them a platform to express their uniqueness. Digital printing can be used to create unique wallpaper patterns to fit a range of tastes and preferences.
Growing consumer desire for environmentally friendly products: Thanks to advances in digital printing technology, wallpaper can now be made with environmentally friendly materials and processes.

Market Restraints

High initial investment: Setting up a digital printing factory to produce wallpaper and buying the required equipment are both expensive. This might make it more difficult for new rivals to enter the market and for smaller companies to expand.
Limited sustainable choices: Only a limited number of sustainable and eco-friendly materials are readily available, despite the growing demand for environmentally friendly wallpaper choices. Because of this, it might be more difficult for companies to meet customer demand, and the cost of environmentally friendly choices might increase.

Market Opportunities

Increasing Demand for Personalized and Customizable Home Decor Products: Digitally printed wallpaper presents a practical and adaptable choice for consumers who are increasingly looking for one-of-a-kind and customized decor items. One of the primary benefits of using this type of paper for creating unique designs and patterns is that demand for digitally printed wallpaper is anticipated to increase.
Technology advancements related to digital printing: As this field develops, it is anticipated that quality, speed, and economy will further improve. This can lower production costs and increase output, increasing customer access to and affordability of digitally printed wallpaper.

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Report Segmentation of the Digitally Printed Wallpaper Market

Substrate Insight

Vinyl is the most popular substance for wallpaper created digitally. The market proportion of this substrate is 37%. Vinyl wall coverings are easy to keep, durable, and scratch resistant. Because they are impermeable, they can be used in high-moisture spaces like bathrooms and kitchens. Nonwoven substrates are favored for digitally printed wallpaper because they are reliable, simple to use, and can hide wall flaws. Nonwoven walls are additionally breathable and can help stop the growth of mold and mildew.

Printing Technology Insight

With a market share of 62% in the overall industry, the inkjet segment dominates, because of its high-quality output, accessibility, and adaptability. Inkjet printing is widely used in the global market for digitally produced wallpaper. Ink droplets are sprayed using this technology onto the surface of the wallpaper material to create a high-resolution picture with vibrant colors and fine details. Electrophotography, also known as digital laser printing, is another method used to produce wallpaper that has been digitally produced. This technique uses a laser to create an electrostatic image on a drum, which toner particles then transmit to the wallpaper material.

End User Insight

With a market share of about 40%, the commercial sector dominates. Commercially printed wallpaper is frequently used to create distinctive designs that advance branding, improve ambiance, and distinguish places. Restaurants can use digitally printed wallpaper with food pictures to make the dining experience more inviting for their customers. Hotels could also use beautiful scenery as a backdrop to create inviting, peaceful environments for visitors. Residential digitally printed wallpaper is used to design distinctive areas that reflect the tastes and personalities of the homeowners. Homeowners can choose from a wide variety of patterns, colors, and designs, or even make their own to match their decor.

For more insights on the historical and Forecast market data from 2016 to 2032 – download a sample report at https://market.us/report/digitally-printed-wallpapers-market/request-sample/

Market Segmentation

Based on Substrate

Nonwoven
Vinyl
Paper
Others

Based on Printing Technology

Based on the Type of Wallpaper

Wildlife
Scenic Beauty
Lifestyle
Architectural
Portrait
Wedding
Fashion
Abstract
Others

Based on the End User

Residential
Commercial

By Geography

North America

- The US
- Canada
- Mexico

Western Europe

- Germany
- France
- The UK
- Spain
- Italy
- Portugal
- Ireland
- Austria
- Switzerland
- Benelux
- Nordic
- Rest of Western Europe

Eastern Europe

- Russia
- Poland
- The Czech Republic
- Greece
- Rest of Eastern Europe
APAC
- China
- Japan
- South Korea
- India
- Australia & New Zealand
- Indonesia
- Malaysia
- Philippines
- Singapore
- Thailand
- Vietnam
- Rest of APAC

Latin America

- Brazil
- Colombia
- Chile
- Argentina
- Costa Rica
- Rest of Latin America

Middle East & Africa

- Algeria
- Egypt
- Israel
- Kuwait
- Nigeria
- Saudi Arabia
- South Africa
- Turkey
- United Arab Emirates
- Rest of MEA

Competitive Landscape

The global digitally printed wallpaper market is highly fragmented and features a number of players operating within it. These key players strive to find innovative ways to serve customers better and retain them for longer periods of time, using production methods and materials with the minimum investment required.

Some of the major players include:

A S Creation Tapeten AG
Grandeco Wallfashion Group Belgium NV
Graham and Brown Ltd
MX Display Ltd
Flavor Paper
Moonavoor Sisustus
JOHNMARK LTD
Glamora Srl
Inkiostro Bianco PI
Tecnografica
Syndikat4
DAISY JAMES
ELITIS
MINDTHEGAP
YO2 Designs
Arte International
Astek
Momentum Textiles & Wallcovering
Londonart
Other Key Players

Recent Development of the Digitally Printed Wallpaper Market

In 2021: Muraspec Group introduced a new line of wallpaper 2021 that featured environmentally friendly choices made from recycled materials.
In 2020: Flavor Paper and artist Wayne White teamed up to release a new brand of digitally printed wallpaper with his work on it.

Browse More Related Reports:

3D printed wearables market accounted for USD 3,570.84 million in 2021. It is projected to grow at a 9.1% CAGR
3D Printers Market is expected to be worth around USD 17,940 million by 2031 from USD 13,220 million in 2021, growing at a CAGR of 21%
3D printing materials market size is expected to be worth around USD 17,775.07 million by 2032 from USD 1,624.16 million in 2021
Digital photography market is valued at USD 47.8 billion in 2022. It is expected to reach USD 68.08 billion at a 3.6% CAGR between 2023 and 2032.

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Source: globenewswire.com

Apache is functioning normally

April 29, 2023 by Brett Tams

Unique views await you in Phoenix.

There’s no shortage of beautiful apartments awaiting you throughout Phoenix. With a desert landscape just outside your window, there’s so much to see. As you’re making your list of must-have amenities, like a pool or a fitness center, don’t discount the need for a killer view.

If you’re thinking about where to find the best view in Phoenix, this list will definitely get you pointed in the right direction. Find your favorite spot and fill out an application today.

Source: Rent. / The Wexler

Everything you see out your window at The Wexler is idyllic. Whether you’re looking out at the courtyard from your balcony or taking in the view from the pool, this is one beautiful place to call home. The extra touches include the perfectly manicured bushes throughout the property as well as tall palm trees standing guard around the pool.

In the heart of Phoenix, you’ll find The Wexler within the city’s Central Avenue Corridor. This stretch is one of the city’s most vital and heavily trafficked areas. It not only gets you from the north end of Phoenix to the south, but it’s full of things to see and do.

Source: Rent. / Optima Kierland Apartments

It’s not every day that a spin studio delivers views like the one you’ll find at Optima Kierland Apartments. With an entire wall of windows, from top to bottom, you get an amazing outside view while you spin the stresses of the day away. Looking out on the grass, trees and some of the outdoor amenities, this isn’t the only impressive stop on the visual tour. All private terraces have a lush hanging garden, and landscaped courtyards occupy 9.5 acres within the community itself.

Known for its golf courses and shopping plazas, living in Paradise Valley keeps you close to the city, but at a more relaxed pace. The area is full of pubs, sports bars and casual eateries. You can also easily get out and enjoy some nature along the Scottsdale Greenbelt. With a little bit of everything when it comes to what to see and do, this is undoubtedly a great spot to call home.

Source: Rent. / Vela on Camelback

Look out across Camelback East from the rooftop at Vela on Camelback. This friendly space provides views that stretch all the way to the mountains, giving a full look at what this great city has to offer. Strings of Edison lights allow you to use this space in the evening, seeing Phoenix shine from a nighttime perspective as well.

Providing you with easy access to the area’s newest restaurants, bars, farmers markets and more, living in Camelback East is quite nice. Popular hangouts and chic eateries sit right outside your door, and it’s a breeze to hop on the light rail when you want to head elsewhere in Phoenix. The star of this neighborhood though is Camelback Mountain, with its amazing hiking trails and fantastic desert views.

Source: Rent. / 56 North

Keep an eye on what’s happening at street level as you sit in the hip and cool lounge at 56 North. There’s as much to see inside here as you’ll find outdoors, so take some time to enjoy your surroundings. This lounge, for example, is the ultimate chill space, with a massive four-sided fireplace and multiple couches. All the hangout spots in this community are pretty cool, but this one takes the cake.

Living within the Desert View village gives you a unique experience. The neighborhood is almost equally divided between your everyday urban amenities and a huge chunk of the Sonoran Preserve. This is a great area for outdoor enthusiasts who like to spend their time hiking and enjoying the natural sights of the desert.

Source: Rent. / Bayside

A cozy, stucco balcony gives way to a tree-filled view when you live at Bayside. This may seem pretty standard, but when you live in the desert, healthy, large trees aren’t always this easy to come by. The thoughtful landscaping you’ll find here ensures you get some greenery in your views, even when taking some downtime in your own space.

Giving off relaxing vibes, Deer Valley is another area to live if being outside is your thing. From this neighborhood, you’re close to the Sonoran Preserve, but specifically to Deem Hills and Cave Buttes. Both areas are hot spots for hikers but also attract mountain bikers. There’s also plenty of shopping, dining and even a waterpark all within the boundaries of this lovely Phoenix locale.

Source: Rent. / Nova North Valley

The green grass definitely won’t grow all around when you call Phoenix home, but that’s not an issue for Nova North Valley. Their hardscape/vegetable garden takes on a zen-like feel thanks to its twisty shape, with plants growing in a fun swirl. This is a great place to walk through, admire the vegetation and take in a landscape view that is quintessential to desert life. It’s also a great place to grow some produce if that’s your thing.

Another village on the edge of the Sonoran Preserve, when you live in North Gateway you get a solid mix of urban amenities and outdoor recreational opportunities. While the Preserve is practically in your backyard, you’re also just a short drive from a wide variety of retail and entertainment options. There’s also no shortage of coffee shops and restaurants nearby.

Source: Rent. / The Station on Central

You’ll find the best view of the pool area at The Station on Central in one very particular place. To see this beautiful area in all its grandeur, you need to grab a seat by the circular fire pit. From there you not only look out to the immense pool but can see all the lounge chairs, turquoise umbrellas, tall palm trees and the funky colors of the apartment buildings themselves. It’s a perfect view and just the right place to settle in for some rest and relaxation.

Another fabulous community in the Central Avenue Corridor neighborhood, it’s all about urban luxury here. There are actually two resort-style swimming pools along with a clubhouse with a large TV and billiards table. A 24-hour fitness center makes it easy to stay fit, although living within the heart of Phoenix means there’s a lot of temptation to go out and indulge.

Source: Rent. / Skyline Lofts

Get a supreme urban view from the rooftop at Skyline Lofts. Phoenix may not have a congested downtown with buildings packed tightly together, but if you want a view that reminds you you’re in the city, this is where you need to be.

As a busy cultural area, within the city’s financial district downtown, living in the historic Evans-Churchill area really gives you a nice mix of the best Phoenix has to offer. You’ll find hip restaurants and cool coffee shops among the brewpubs and cocktail lounges, so you’ll never go thirsty or hungry. Expect to see quite a few college students when you call this area home too. Its proximity to a few local colleges makes it a popular spot.

Source: Rent. / Ascent at Papago Park

When you’re a golfer, what’s a better sight to see out your window than a pristine putting green? On the Ascent at Papago Park grounds, you’ll find a perfect putting green with blue and white checkered flags marking the holes. Tall trees with curved trunks provide some shade to the area, which is an added bonus.

Within this Camelback East community, you’ll find plenty of other amenities, including a cinema room, billiards and shuffleboard, a great courtyard and a sizable clubhouse. You’re also centrally located, making it easy to get to city-wide amenities like the Phoenix Zoo and Desert Botanical Garden.

Source: Rent. / Camden North End

Mountains, mountains and more mountains. If this is the view you’ve been waiting for, look no further than Camden North End. This Desert View community gives you walls of floor-to-ceiling windows that face out to the natural splendor that encircles Phoenix. The mountains look good during the day, at dusk and just about every moment in between. Views like this open up the sky as well for fantastic sunsets and plenty of stars. Settle into the community lounge or step out onto the terrace to really absorb the full majesty of this great view.

Living here keeps you close to the best sites in Phoenix as well as some great trails for hiking and biking. It’s only a short drive to Gateway Trailhead at McDowell Mountains, the largest city park in the whole United States. For those looking for a less rustic adventure, you’ll find plenty of restaurants and shopping within walking distance from your Camden North End front door.

Make sure you have the best view in Phoenix

There’s no denying Phoenix is a beautiful place to call home, so take advantage of that. On your next apartment hunt, don’t forget to check out the view while you’re looking at all the community amenities. Adding what you see out your window to the mix can really turn your apartment into your home.

Featured Image Source: Rent. / Skyline Lofts

Source: rent.com

Apache is functioning normally

April 29, 2023 by Brett Tams

By Peter Anderson 11 Comments – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited March 26, 2014.

Last night I was watching a great set of video interviews by Adam Baker over at ManVsDebt.com with other popular writers, bloggers and world travelers. I can’t link to the videos because they’re actually part of his great new premium e-book package that he’s offering called “Sell Your Crap“. ( I started reading the e-books in the package last night, and if you’re looking for some creative ways to get rid of your clutter, or tips on selling on eBay, Amazon or Craigslist, his e-books have some great tips and tricks for you to use. The videos are definitely worth it as well. Highly recommended. Sell Your Crap E-book – Clutter Crusher Edition)

In any event, in one of the videos I was watching Adam interviews J.D. Roth of Get Rich Slowly fame, and asks him about falling prey to consumerism, and if things have changed since he has gotten his finances under control, and started earning a better income. Basically – is it harder to not fall prey to consumerism when you can afford to buy things more?

J.D.’s answer might be surprising to some in that he didn’t think it was harder for him to avoid buying things he might want now. He talked about how in the past he did fall prey to a voracious appetite for buying comic books, and all the shiny new gadgets that came out. The problem was, that all of the things he would buy would just turn to clutter. He would buy all the new comic books that came out, but he would only read certain ones. The rest would just sit in a box in the corner. Essentially it was a waste of money.

After J.D. got his finances under control, and was better able to afford things, he realized that while he still wanted to buy certain things that he enjoyed, he didn’t want all the clutter and baggage that went along with buying everything, and buying just out of habit. Instead he developed a laser-like focus that honed in on a few things that he would like to buy, and he would buy those. Instead of buying 10 new comics, he would buy only 1 or 2 that he knew he would read, and forgo the rest.

So for J.D., the keys to avoiding the temptations of consumerism, even though he had the money to spend included:

Realizing that buying things comes with baggage like debt and clutter
It’s OK to buy things that you enjoy, especially if you have the money.
Have laser like focus, and don’t buy everything that you think you might want. Figure out what you like best, and buy that only

Is It Harder Not To Spend, When You Have The Money?

While J.D.’s story really got me thinking, it’s still an interesting question to ask. For a majority of people, is it harder not to buy the things that you want, and fall prey to a high consumption lifestyle if you have the money to spend? Or does having more money to spend go hand in hand with having better financial discipline, and thus not falling prey to consumerism as easily?

I know for me, our family income has gone up substantially in the last couple years, and we can afford to buy more things than we used to. To be honest, I have probably bought more things that I wanted during that time than I did in the past, but I haven’t necessarily gone out of control – cluttering up the house or creating debt. I’ve only paid cash for everything, and the things that I’ve bought tend to be high quality, things that will last for years.

I think for me it was harder to not fall prey to consumerism when I didn’t have any money. I would use credit cards to pay for spring break trips, and buy the newest game console on my plastic. In a way, buying things was a coping mechanism, and an escape towards a better life I was dreaming about. The problem is, the things you buy can far too often take over your life, and the dreams of a more prosperous life they came with, can often turn into a curse of debt and despair.

So what do you think – would it be harder for you to not fall prey to consumerism when you can afford to buy things more? Or have you overspent more often on things you don’t need when you didn’t have the money to spare? Tell us your thoughts in the comments.

Source: biblemoneymatters.com

Apache is functioning normally

April 29, 2023 by Brett Tams

Last Updated on February 24, 2022 by Mark Ferguson

Paying cash for rental properties may seem like a safe bet, but it may actually be costing you a lot of money. I am trying to buy as many rental properties as I can because I feel they are one of the best investments available. Many people feel paying cash is the best option because you don’t have to pay any interest, but I make more money when I use loans. I can buy more rentals, which means I have more tax advantages, more equity, more cash flow, and more appreciation. So should you pay cash or get a loan on rental properties?

The key to my strategy and obtaining great returns is being able to leverage my money. Leveraging is using other people’s money for investments so you use less of your own money. By using other people’s money, you can buy more properties and increase your returns on the total cash invested. If you pay cash your returns decrease dramatically, and all the benefits of owning rental properties decrease as well.

How can debt be a good thing?

Many people assume all debt is bad but debt can be an amazing tool if used correctly. Some of the largest companies in the world have used debt to grow faster and bigger as have some of the richest people in the world. If you have an investment or business that makes more money than the interest rate costs you on the debt, it might make sense t0 get a loan to multiply your returns.

If you have too much cash and nothing to invest in, debt will not do you any good. If you want to make a lot of money very quickly, debt can help you. With real estate, you can control an asset that is worth hundreds of thousands of dollars (or more) with 20 percent down or less as an owner occupant. If you have a house worth $100,000 and it increases in value 10 percent it is now worth $110,000. You made a 10 percent return paying cash or a 100 percent return if you put 10 percent down and only has $10,000 invested into the property.

Now, real estate is not that simple and there are many more costs than just the down payment, but I wanted to start with a straight forward example to show how debt can make you money.

Is it riskier to pay cash or get a loan and go into debt?

Many people shy away from debt because it is risky. I tend to think that using all cash to buy rentals can be risky as well. The problem with real estate is that it is not very liquid. If you need to take money out of a property you can get a loan against it (refinance or line of credit) or you can sell it. It can take 30 days to get a loan if all your finances are in order. If you have a high debt to income ratio, don’t have an income, or have bad credit you may not be able to get a loan at all even if you have a property completely paid for.

If you need to sell a property it can take 30 days under the best of circumstances when you price it very well. If you want top dollar it may take months to sell. If you sink all of your money into a property so that you can pay cash it is very hard to get that cash out. If you have an emergency or lose your job, you will be in trouble will all your money tied up in real estate.

I would rather use a loan to buy a property so that I have cash in reserves and readily available than spend all my money to buy with cash. I also believe that is is better to have more cash flow with multiple rentals than less cash flow with one paid off property.

Do you make more money from cash flow with loans?

I am going to use some basic figures to outline the benefits of leveraging your money. If you buy a $100,000 house with cash that makes $500 a month in cash flow, you are making about a 6 percent return from the cash flow alone. Cash flow is the profit you make after paying all expenses on a rental property.

If you buy a $100,000 house and put 20 percent down, you will have a mortgage payment, but the return on your money increases. If you are paying a 4 percent interest rate, your principal and interest payment will be about $382 (check out the bank rate mortgage calculator for calculating mortgage payments). You are only making $118 a month cash flow after subtracting the mortgage payment, but you are making a 7 percent return on your money due to the lower cash investment.

Even though the cash on cash return is 7 percent, you are actually making much more than a 7 percent total return in the above scenario. You are also paying down the principal on the loan by an average of $118 each month. That $118 equals another 7 percent return on your money that you would not have on a cash purchase! You have more than doubled your return by getting a mortgage instead of paying cash.

The exciting part about using leverage is when you get a higher cash flow, the returns increase even more. If you can make $800 a month cash flow without a mortgage, you will be making 9.6 percent cash on cash return. With 20 percent down on the same property, you would cash flow $418 a month after the mortgage payments and make over 25 percent cash on cash return just from cash flow! The way to make big money in rental properties is finding properties that will give you big cash flows and buying as many as possible while leveraging your money.

Below is a video that goes over this topic as well:

[embedded content]

How does debt allow you to buy more rentals?

The best part about leveraging your money is it allows you to buy more properties. You can buy three or four homes with $100,000 instead of just one home paid for with all cash. Using the cash flow figures from above and buying three properties instead of one, you are now making $1,254 a month cash flow instead of just $800 a month. Not only does your cash flow increase by purchasing more properties, but the equity pay down increases, the tax benefits increase and the appreciation increases. If you can purchase homes below market, then every time you buy a home, your net worth increases as well!

Tax benefits

Rental properties have many tax benefits including depreciation. The IRS allows you to depreciate a percentage of your rental properties every year and write that off as an expense. You can depreciate a rental over 27.5 years, which means you can deduct 1/27.5 of the value of the structure every year from taxes. You can also deduct the interest paid on the loan and most expenses. If you have three houses instead of just one, you can get triple the tax deductions.

Appreciation

If you have three properties instead of one and the market appreciates, you also have the benefit of triple the appreciation. It is the same situation if rents go up, the more properties you have, the more money you will make. I never count on rents to go up or appreciation, but it is a nice bonus. I live and invest in Colorado where we have seen crazy appreciation. Some markets may not see any appreciation at all.

Equity pay down

With multiple rental properties, you are also paying down the loans on three properties, which increase your returns as well. Most of the payment will go to paying interest at the beginning of the loan, but as time passes a larger portion will go to the principal of the loan.

Buying below market

One of the biggest advantages of real estate is being able to buy below market value. I can buy a house for $100,000 that is worth $120,000 or even $150,000 today. I did 26 flips last year and I used the same concept. There are many ways to get great deals but it is not easy. If I buy one house with cash I would gain $30,000 in equity if I bought it $30,000 below market (this assumes it needs no repairs). If I buy 3 houses with a loan, I would gain $90,000 in equity!

When you think of the tax savings, possible appreciation, buying below market, and equity pay down the returns shoot through the roof. With leverage, I can buy three properties for every one property with cash. I am making more money per month, plus paying off loans, plus saving money on taxes and creating a ton of equity.

How can you be safe using a loan?

When you use leverage, do not blindly get a loan for as much money as you can. Make sure you have enough cash flow as we have already discussed. You also need to make sure you have reserves in place. Reserves are extra cash you have available in case a problem comes up. If you have an eviction, someone stops paying rent, or repairs to make you need cash available to cover those expenses. Most banks will want 6 months of reserves for every mortgage payment you have including a new purchase. If you have one or two mortgages I would suggest having even more cash ($10,000 would be ideal).

How can debt be bad?

There is a downside to more properties. You will have to pay more for repairs and improvements since each property will need repairs, not just one. You will also have three rental properties to manage instead of one. However, if you are able to cash flow $400 or more with a mortgage, you will still be way ahead of the game by leveraging your money. You will also have more total cash flow coming in, which can pay for a property manager. We accounted for the repairs and maintenance when we figured the cash flow, so it won’t be an added expense with more properties, but it will be more work if you manage the properties yourself.

Some people think it is less risky to buy with cash than with a loan, but I would also disagree. Here are some reasons why cash may be riskier than getting a loan.

Diversification

When you buy with cash you have fewer properties. The fewer properties you have, the fewer sources of income you will have, and the more a loss of an income will hurt. If you have 1 property paid for with cash, it really hurts when it goes vacant. But if you have three rentals that have loans on them, one may go vacant, but you have two more that are bringing in money. When you have multiple rentals, you also have more diversification. If you happen to have one rental, you are more susceptible to neighborhood changes, storm damage etc. With multiple rentals, you have less of a chance of all your properties being damaged or hurt by other factors.

Market Crash

You actually lose less money when prices go down with multiples properties. I know that may not make sense at first, but consider this. If you buy three houses below market value for $100,000 (they are worth $125,000 when you bought them) and the market goes down 20 percent. Your houses would be worth $100,000 so you are not losing any money if the market goes down since you bought below market value. If you bought one house with cash below market value you would be in the same position, no loss or gain.

If you are able to get better deals and bought the houses for $90,000 that were worth $125,000 you would be in good shape if the market goes down 20 percent. You would have three houses worth $100,000 that you bought for $90,000. You would have $30,000 in equity from buying below market value. If you only bought one house for $90,000 with cash and the market went down 20 percent, you would only have $10,000 in equity from buying below market value.

If the market went down even more or you bought with properties with less equity you would lose more money using loans. It can be riskier to use loans if the market crashes, but not always. The main thing to remember is that you don’t have to sell in a market downturn. If you have plenty of cash reserves in the bank, and the houses are rented, there is no reason to sell them. Ride out the bad market.

Over-leveraging

The riskiest move using loans is when you over-leverage. That means loan values are very high compared to the rents or the value of the property. When I buy a property with 20 percent down and below market value I have a lot of equity. On the example above the loan would be $80,000 and the value $125,000 when I buy a house for $100,000 that is worth $125,000.

If you have a loan of $100,000 on a house that is worth $110,000 you may be asking for trouble. You are asking for more trouble if you are only making $50 a month in cash flor or losing money every month. Almost all the horror stories from the last housing market crash came from investors who were breaking even or losing money on their rentals every month. Most of the investors who were making money every month made it through okay.

Conclusion

If you are wondering if it is smart to pay cash for a rental, consider the returns you may be giving up. In my opinion, it is better to use other people’s money and increase your returns versus paying cash. Some people are very averse to any risk and do not want any debt at all. If the idea of debt makes you sick to your stomach, maybe paying cash versus getting a loan is the best route for you. I will continue to get as many loans as I can and to buy as many rental properties as I can because of the incredible benefits rental properties offer.

Build a Rental Property Empire

Source: investfourmore.com

Apache is functioning normally

April 29, 2023 by Brett Tams

Last Updated on February 24, 2022 by Mark Ferguson

Rental properties can be a great investment if they bring in cash flow and are bought below market value. I bought 16 rental properties from the end of 2010 to the middle of 2015. I stopped buying rentals in my market because prices increased so much that it became very tough to cash flow. I bought my properties well below market value, and prices in my area (Colorado) increased tremendously. I put a lot of thought into whether I should sell the properties, keep them, or refinance them. So when does it make sense to sell your rental?

I decided to sell a couple of properties, refinance a few more, and keep the rest as they were. The reason I decided to sell some of my properties was I had $100,000 of equity in some of them but was only making $500 per month. That means I was making about 6% cash-on-cash returns on my equity (I was making much more on my initial investment since it took around $30,000 to buy each house). Even though I was making close to 20% on the money I had initially invested, I could make much more by taking my equity out and buying more houses.

Should you sell your rental properties if they are not making you any money?

My readers and podcast listeners constantly ask me when or if they should sell their properties. Many people are not making very much money on their rentals but have a lot of equity. Here is an example:

The house is worth $200,000
The house rents for $1,500 per month
The investor has a loan of $125,000 against the house
The payments are $1,100 per month

On the surface, it looks like this rental is making $400 per month, which is great. However, the investor has not accounted for any maintenance or vacancy expenses. Those expenses usually add up to 10 to 20% of the rents every month, which would equal another $150 to $300 in expenses. The investor is only making a couple of hundred dollars per month on this rental but has $75,000 of equity in the property. That is only a 3% return on your money. There are other advantages to rental properties, like depreciating the property, equity pay down, and increasing rents. However, which opportunities are the investor missing by keeping the property and all that money tied up? I think the investor should sell the property and invest the money in more houses or apartments.

If you sold this property, you would not be able to keep all the equity. There would be selling costs and taxes you have to pay unless you do a 1031 exchange. The selling costs could end up being 6 to 10% of the cost of the house. If the house sells for $200,000, that would be $12,000 to $20,000. Taxes on the sale of a rental property would most likely be 15 or 20% depending on which tax bracket you are in. You only pay the taxes on the profit you made on the property and any recaptured depreciation. We will assume the investor bought the property for $150,000 a few years ago, which means they would pay around $6,000 in taxes. That leaves the investor with about $50,000 in cash to play with if they do not do a 1031 exchange, which could reduce the taxes to nothing.

How much more money could an investor make?

Rental properties can be expensive, which is one of their downfalls. With $50,000, you could buy a better-performing rental property that generates more money. Not only could you buy a rental that generates more money, but you could also buy the property below market value, which will make up for all that money you lost selling the other property. Here is an example:

Buy a property for $100,000 that needs $10,000 in work
Put $20,000 down on the property, with a house payment around $600
Repair the property and rent it out for $1,200 per month
If you bought the property correctly, it should be worth at least $140,000

You now have a house with $60,000 in equity (almost as much as you had before). You are making more money every month. You even have $15,000 in cash leftover ($20,000 down payment, $10,000 in repairs, $5,000 for miscellaneous costs).

Some of you may not think this is an awesome deal, but you have more cash in your pocket that can be used to buy additional rentals in the future. You also have a property that generates much better income every month. If you have some extra money to buy a second property right away, the equity and cash flow would double, and the investor would be much better off. If you have a property with more equity than my example, you would buy more rentals right off the bat without using any extra cash and be way better off as well. If you are trying to decide whether you should keep or sell some of your rental properties, analyze how much cash you could get from them and how much you could make with that money.

What did I do with my rental properties?

I got really good deals on all of my rentals, and our market took off in Colorado. I had properties that I bought for $100,000, put $20,000 of work into, rented out for $1,3000 a month, and are now worth $220,000. I had properties with $120,000 in equity but were only generating $7,000 per year. I was making 6% on my money, which is good for some investors but not what I am used to from investing in real estate. I always wanted to make at least 15% cash-on-cash return on my rentals. I knew I wanted to make more money, but I was not sure how. I ended up refinancing some properties, selling a couple and keeping others as they were.

I refinanced properties because I could take cash out of them and still make money. In the example I first used for the investor with a $200,000 house, he could have refinanced as well. You can usually refinance a house at 75% of what it is worth. The investor could have taken a loan out for $150,000 on the $200,000 house and had payments around $1,100 per month after taxes and insurance. If you are wondering why that payment is the same as the payment I used for the $125,000 loan balance above, I assumed the investor had the loan for a while and the original balance was $150,000 at a higher interest rate than we have now. When you refinance a house, you have to pay closing costs again, which can add up to 3% of the loan amount, or $4,500 in this example. By refinancing, the investor would get $20,000 back in cash with a similar payment as he had before. That is not a bad deal, but I do not know if $20,000 is enough to buy another rental. If so, the investor may be better off refinancing than selling.

I had more equity in my properties than in the example we used. I was able to take out anywhere from $25,000 to $50,000 in cash from many of my rentals and still make decent cash flow. By refinancing my properties and selling a couple of other ones, I was able to get all the money back out that I had used to buy my 16 properties, and I was still making $7,000 per month from them. I sold the properties that were the least desirable to me and kept the ones I liked.

How do you buy new rental properties if there are no good rentals in your area?

The problem I ran into when I wanted to sell my properties and buy more rentals was I could not find good rentals in my market. Prices had increased, but rents had not increased nearly as much. I had to use much more cash to buy houses because prices were high, but I made less money on that cash. I decided to stop buying properties in my area and look in other markets. I went to Florida and found good rentals, but I ended up not buying any properties there. Instead, I started to flip more houses, and that is where I invested my money. I have historically flipped from 5 to 10 houses per year, but in the last three years, I flipped 12 and 18, and this year I will come close to flipping 30 houses. I want to buy more rentals. In fact, I have a goal to buy 100 properties. I am not going to buy bad investments to reach that goal, so I have switched directions with my investing. If I find the ideal place to buy rentals or my market changes, I will be set up to invest a lot of money into rentals thanks to the flipping business. You can watch the video below to hear more about investing in expensive markets.

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I have not bought any residential rental properties since 2015, but I bought two commercial properties this year and have two more under contract to buy. Commercial properties are completely different from residential ones but can be great investments as well. I bought a small shop for my flipping supplies earlier this year, and I just bought a 7,500-square-foot commercial property that I will write about later this week. Not only can you buy different types of rentals when prices are too high in your area, but you can also buy out-of-state rentals or even turn-key rentals.

Should you sell your rental property if you are not making any money on it?

Many people buy rental properties without any cash flow, hoping to make money through appreciation. Some people end up being accidental landlords when they turn a property into a rental because they could not sell it. I think, in both instances, owning a rental that does not generate any money is very risky. Betting on appreciation is tough because of all the selling costs we talked about, and if you are not making any money, it makes it tough to get a new loan on properties. I would suggest getting rid of rentals that don’t make any money and focusing on investments that do. This advice assumes you are not ultra rich and have so much money that you do not care if a property makes money or not.

Conclusion

Many investors have seen their properties go up in value over the last few years. It is tough to know what to do with all that equity. Should you leave it and let it earn a small return? Should you refinance? Should you sell? I chose to do all three, and it has worked out well. I do not want to max out the loans on every property I own because it would hurt cash flow and be risky. I also do not want to leave unused equity in my properties. I sold some properties to take advantage of the hot market and clean out some of my poorly performing assets. If you are thinking of selling some rentals, run the numbers to see how much money you would get, see what properties or other investments you could put that money in, and maybe selling will make sense. If you would like me to look over the numbers of your rental property for you, you can post them on the InvestFourMore Insider.

Build a Rental Property Empire

Source: investfourmore.com

Apache is functioning normally

April 29, 2023 by Brett Tams

Last Updated on March 29, 2023 by Mark Ferguson

Houses that need repairs often can be bought below market value. I base my investing strategy on buying houses below market value and financing those properties, which is not always easy. When you buy a house that needs repairs, many lenders will not lend on that house if the repairs affect the livability of the home. Whether you are an investor or owner occupied buyer, repairs can cause a deal to fall apart. This is why cash offers are so attractive to many sellers who have a house that is in need of work. If you are an investor or an owner occupied buyer there are ways to get a loan on a property when it needs repairs; even extensive repairs.

Why can’t you get a loan on houses that need work?

Most lenders will use FHA guidelines to decide what condition a home needs to be in order to loan on it. That means all major systems like the plumbing, electrical and heating need to be in working order. The roof needs to be in good condition and there cannot be any holes in the walls or floors. FHA used to require flooring to be in good condition, but that is no longer the case. All the carpet can be missing from a home and it will still go FHA. The tricky part is that not all lenders go with exactly what FHA requires.

An FHA loan is federally insured by the government and is a big reason why owner occupants can buy homes with little money down. Conventional loans are loans that are not federally insured or sponsored by any government agency. There are many types of conventional loans and many different requirements on conventional loans depending on who the lender is. Some conventional loans will require everything FHA requires, some less and some more. My lender will not require any repairs to be made on homes that are in horrible condition. If you have one conventional lender that will not loan on a home, that doesn’t mean another conventional lender will have the same guidelines.

There are other loans that are sponsored by the government like VA and USDA. Different states also have loan programs that will have varying requirements. Most government loan programs will have the same or stricter requirements than FHA.

Loan options for different sellers

There are many options to work through lender required repairs. Your choices will differ depending on if you are an owner occupant or an investor. The first strategy is to ask the seller to make repairs so the home is in livable condition. What situations allow the seller to make repairs?

Traditional seller

If a seller is selling a home for retail value, they usually expect to make repairs if the lender requires them. To get top dollar for a house you have to have it in livable condition. For those of us that want a great deal, we are usually dealing with sellers that want to sell quickly without doing any repairs. The better deal you are getting, the lower the chance the seller will make any repairs.

REO properties:

REOs are foreclosures that are owned by the bank. Some REO sellers will make repairs and some will not. The decision to repair or not is usually made on a case by case situation based on how much work is needed. Many REO sellers will say a home is sold in as-is condition, which indicates they will not make repairs. However, some REO sellers will still make repairs if required by the lender.

HUD Homes:

HUD will not make any repairs under any circumstance for lender required items. HUD does have a program to allow FHA buyers that I will discuss later. If you are an investor and your lender requires repairs to be made, you will have to cancel the contract or find a new lender.

Short sales:

Most short sale sellers do not have a lot of money. If you know a short sale needs work and your lender will require things to be done before closing, there is a great chance the work cannot be done. The sellers are receiving no money in most short sales and they don’t want to spend any more money on the house.

Auction sales:

Don’t expect to have any repairs done on auction properties. Properties that are sold at auction are almost always sold in as is condition and will not be repaired.

Know what the bank requires before writing an offer on a house that needs repairs

When you are shopping for a house you should have already talked to a lender and you should know what condition they will require a home to be in. If you are using a conventional loan on a HUD home and the water can’t be turned on, but your lender requires the water to be turned on, guess what will happen? The contract will fail. If a short sale needs $10,000 in work for you to get a loan, the deal will probably never go through. On an REO or a traditional sale, repairs may or may not be made by the seller. Don’t expect HUD or an REO seller to make repairs because your lender requires it.

What if you will live in the house?

If an owner-occupant wants to get a loan on a house that needs repairs, but the seller won’t repair the home; the deal is not always over. HUD offers a program for FHA buyers that allows them to escrow for repairs and add the repairs into the buyer’s loan. HUD’s program is called the FHA 203b loan. It can only be used on HUD homes and the repairs are less than $5,000. This escrow cannot be used on any other type of loan like VA or conventional. For repairs over $5,000, there is an FHA 203k loan that can be used on any house. This loan can have an unlimited amount of repairs but will take more time to close and have more fees. FHA loans are only available for owner occupants.

What if you are an investor?

An FHA 203k rehab loan is not available to investors, which makes it harder for an investor to deal with homes that need repairs. That doesn’t mean investors are out of luck when buying homes that need work. I buy homes that need a lot of work all the time and I get loans on almost all of them.

I use a portfolio lender that does not have any repair requirements for homes that I buy. I can buy houses with bad roofs, bad heating, and my lender does not even require the utilities to be on. Not all portfolio lenders have the same requirements with repairs, but many will work with investors much more than the big banks. My portfolio lender has saved many deals for investors and owner-occupants whose original lenders would not lend on a house because it needed too much work.

It is sometimes possible to escrow repairs. In some cases, you can escrow the repairs so that they are done after closing as an investor. The terms and chances of this happening all depend on the lender. Usually, the lender will escrow for minor repairs but may be hesitant to escrow for major repairs.

There is also a Homestyle Fannie Mae Renovation loan that investors can use to repair houses after they close. This loan is like the FHA 203k loan but meant for investors.

If you are an investor and your lender will not loan on a house that needs repairs and the seller will not make repairs; don’t give up. Search for a local portfolio lender who might have different guidelines and will give you a loan.

Hard money lenders

Another option for investors besides portfolio lenders is hard money lenders. Hard money lenders will be much more expensive than conventional lenders and they offer short-term loans; usually less than one-year terms. Hard money usually works better for fix and flips, because of the short loan term. Hard money lenders may be a decent short-term solution for rental properties, but you will have to refinance the loan very quickly.

Conclusion

Getting a loan on houses that need work is tough, but it is not impossible. An owner-occupant has many more options to buy houses in need of repairs, but an investor should be able to work around repair issues as well. Buying houses that need repairs is one of the best ways to get a great deal on an investment property.

My book Build a Rental Property Empire, goes over the BRRRR method, and, more specifically, financing properties that need repairs. It also covers how to find deals, finance rentals, manage them, and much more! It is available as a paperback and ebook on Amazon or as an audiobook on Audible.

Build a Rental Property Empire

Source: investfourmore.com

History of The Hartford Life Insurance Company

The Hartford Life Insurance Review

Ratings and BBB Grade

Life Insurance Policy Options Offered by The Hartford

Other Products and Services Available

Auto Insurance

Home Owners Insurance

Business Insurance

How to Find the Best Life Insurance Premium Rates Through The Hartford

What is a Medigap Plan?

Medigap Plan B

What Plan B DOESN’T Cover

Deciding Which Medigap Plan is Right for You

Open Enrollment Period

Questions or Concerns?

About American Home Shield

How It Works

How to Make a Claim

How American Home Shield Assesses Claims

Benefits of American Home Shield’s Process

Types of Plans

Systems Plan

Appliance Plan

Combo Plan

Build Your Own

What is Covered

Covered Under Systems Plan

Covered Under Appliances Plan

Add-ons

What is Not Covered

Alternatives to American Home Shield

Advantages and Disadvantages of American Home Shield

Pros

Cons

In Conclusion

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Is It Harder Not To Spend, When You Have The Money?

Related Posts

How can debt be a good thing?

Is it riskier to pay cash or get a loan and go into debt?

Do you make more money from cash flow with loans?

How does debt allow you to buy more rentals?

Tax benefits

Appreciation

Equity pay down

Buying below market

How can you be safe using a loan?

How can debt be bad?

Diversification

Market Crash

Over-leveraging

Conclusion

Should you sell your rental properties if they are not making you any money?

How much more money could an investor make?

What did I do with my rental properties?

How do you buy new rental properties if there are no good rentals in your area?

Should you sell your rental property if you are not making any money on it?

Conclusion

Why can’t you get a loan on houses that need work?

Loan options for different sellers

Traditional seller

REO properties:

HUD Homes:

Short sales:

Auction sales:

Know what the bank requires before writing an offer on a house that needs repairs

What if you will live in the house?

What if you are an investor?

Hard money lenders