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Buying a home typically isn’t a stress-free, relaxing process. Buyers need to muster up a down payment, secure financing, and fill out mountains of paperwork—as well as have their offers accepted. And of course, they need to find the home of their dreams in the first place. But that last part may get a little easier soon.
We asked an expert panel for its top 10 picks in Southern California homes. The results: Schindlers, Neutras, Wrights — and more than a few surprises.
According to Area Vibes, these 12 cities are the best places to live in Southern California based on their livability index. What exactly is the livability index? Things like education, employment, housing, crime rate, income, weather, and amenities in the area are all taken into consideration. Based on these qualities, here are the cities in SoCal that came out on top.
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These days, life can mean a lot more that just having shelter, food and clothing. People have evolved a great deal over the past 50 years and the trend of exponential change is continuing. The differences between generations will be more significant than they are now. Random bursts of non-conformism mean that some people no longer feel represented by the masses, and feel they can’t be associated with large institutions.
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How to Buy Your First Home
Eight Basics Steps to Finding and Purchasing Your First Home
Buying your first home is one of the biggest financial steps that you will ever make. It is important to take this decision seriously. You need to take the time prepare yourself in every aspect in order to make your home a blessing, and not a negative experience. Here are the basic steps that you should follow when it is time to buy a home.
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Dream Home: Geological Formation
A net-zero house in Northern California is earth-first in more ways than one.
Bill Gawthrop and Diane Taylor might live in the only house that is deliberately designed to look as though it has been through an earthquake. Their home, located on a ridge in Northern California’s Mendocino County, has a diagonal “fracture” near the front door that shows how the earth could have shifted. This nod to geological stress is appropriate, given the couple’s professions: They are geophysicists, now retired.
In my last commentary, I wrote about the misleading math behind the rent vs. buy calculation. My main point was that focusing on the direct, total monthly costs of renting vs. buying misses the important fact that a significant portion of every mortgage payment goes toward the principal balance, building equity for the homeowner.
That principal payment is really a forced savings program which grows over time. And that’s a key reason why homeowners on average have much more accumulated wealth than renters.
California has been long known as “the land of milk and honey”. It’s where you go in search for great weather all year round. It’s where you indulge into divine tasting foods, even more stunning wines and all sorts of other delicacies. But there’s more to the Golden State than Silicon Valley, Hollywood and those amazing yellow poppies fields that leave you in awe. Every corner you turn, you feel inspired. For some it’s business, but for others, and that includes us at Decoist, it is the design that strikes you.
Before you plan to spend the maximum amount you’ve been approved for, consider whether you can really afford the mortgage your lender offers. Here’s how to determine how much of a mortgage payment your budget can handle each month.