Investment tips

Investment tips

There are currently 30 blog entries related to this category.

October 2022 - Jean-Luc Andriot - RE Terms Cap Rate for Jean-Luc Andriot blog 102722

Interested in investing in real estate? You’ll need to understand cap rates.
A property’s cap rate (or capitalization rate) is an estimate of its rate of return. To find a property’s cap rate, divide the net annual income you expect it to generate by its current market value.

Cap rates are a great tool for comparing properties, but they don’t tell the whole story! You also need to account for financing costs, management expenses, and more.

Are you searching for an investment property that will pay off? We can help! Contact us today for a free consultation.

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October 2022 - Jean-Luc Andriot - Blog Post Image for Jean-Luc Andriot blog 100422

Deciding whether to jump into the housing market or rent instead is rarely an easy decision – especially if you’re a first-time homebuyer. But in today’s whirlwind market, you may find it particularly challenging to pinpoint the best time to start exploring homeownership.

A real estate boom during the pandemic pushed home prices to an all-time high.1 Add higher mortgage rates to the mix, and some would-be buyers are wondering if they should wait to see if prices or rates come down.

But is renting a better alternative? Rents have also soared along with inflation – and are likely to continue climbing due to a persistent housing shortage.2 And while homebuyers can lock in a set mortgage payment, renters are at the mercy of these rising costs for the

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September 2022 - Jean-Luc Andriot - Household Expenses  for Jean-Luc Andriot blog 093022

Eager to slash household expenses? Look no further than your unused subscriptions.
It’s easy to get lured by subscription services that seem inexpensive.
But all that money adds up!
According to C+R Research, most consumers spend more than $200 on subscriptions every month (yikes!). And 42% admit that they’re still paying for subscriptions they never use.

Cutting back on subscription services could help you save to meet bigger goals. Sift through your automatic payments to see which ones deserve a goodbye — and you can say hello to improved money management.

Do you have some sneaky ways to save on household expenses? We’d love to hear them!
Share if you dare! 

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September 2022 - Jean-Luc Andriot - Homeowners Insurance for Jean-Luc Andriot blog 090922

Cover your castle day and “knight” with the right homeowners insurance!
Before you purchase or renew your homeowners insurance policy, make sure you get answers to these five important questions.

1- Is the policy limit high enough to cover the cost of rebuilding my home?

2- In the event of a loss, will I be reimbursed for "replacement cost" or "actual cash value"?

3- Are there any gaps in coverage?

4- How would a higher or lower deductibe impact my premium?

5- Do I qualify for any discount?

Being protected is good, but knowing you’ve chosen the best policy for YOU is better!
Reach out for a referral!

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Filing a Homeowner’s Insurance Claim for Jean-Luc Andriot blog 031022

Nobody wants to have to file a homeowner’s insurance claim. After all, filing a claim means that something has gone horribly wrong at home. Maybe it’s damage from a storm, or a frozen pipe that burst, or some other unexpected problem. Whatever the cause, the damage was severe enough that you need to make a claim on the policy that up until now you’d hoped would never actually have to be used.

Exactly what’s involved with filing a homeowner’s insurance claim, though? While the filing process is similar to that with other forms of insurance, there are a few things about homeowner’s insurance that might seem confusing if you’ve never really dealt with it before. To make sure that everything goes smoothly, here’s some advice on what to expect when filing

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March 2022 - Jean-Luc Andriot - Blog Post Image

The annual inflation rate in the United States is currently around 7.5% - the highest it has been since 1982. It doesn’t matter if you're a cashier, lawyer, plumber, or retiree; if you spend U.S. dollars, inflation impacts you.

Economists expect the effects of inflation, like a higher cost of goods, to continue.2. Luckily, an investment in real estate can ease some of the financial strain.

Here’s what you need to know about inflation, how it impacts you, and how an investment in real estate can help.

WHAT IS INFLATION AND HOW DOES IT IMPACT ME?

Inflation is a decline in the value of money. When the rate of inflation rises, prices for goods and services go up. Therefore, a dollar buys you a little bit less with every passing day.

The

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Getting ready for retirement for  Jean-Luc Andriot blog 071521

How to get ready for retirement

For most people, retirement feels like a long way off. But, if you don’t start preparing as early as possible, you may find yourself in a place of financial insecurity when the time does come. To avoid this, consider implementing the following tips.

1. Calculate your target savings. In general, it’s recommended that you save between 10 to 15 percent of your income for retirement. However, you can always use an online savings calculator to determine the amount you need to save for your specific needs and goals.

2. Contribute to your employer’s retirement savings plan. Does your job offer a 401(k), traditional IRA, or Roth IRA? Sign up and start saving as soon as they allow you to. It’s recommended to set up

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July 2021 - Jean-Luc Andriot - Blog Post Image

If you’re searching for drama, don’t limit yourself to Netflix.

Instead, tune in to the real estate market, where the competition among buyers has never been fiercer. And with homes selling for record highs,1the appraisal process—historically a standard part of a home purchase—is receiving more attention than ever.

That’s because some sellers are finding out the hard way that a strong offer can fizzle quickly when an appraisal comes in below the contract price. Traditionally, the sale of a home is contingent on a satisfactory valuation. But in a rapidly appreciating market, it can be difficult for appraisals to keep pace with rising prices.

Thus, many sellers in today’s market favor buyers who are willing to guarantee their full offer

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June 2021 - Jean-Luc Andriot - Post 3

Learn how to determine your current net worth and how an investment in real estate can help improve your bottom line.

Among its many impacts, COVID-19 has had a pronounced effect on the housing market. Low home inventory and high buyer demand have driven home prices to an all-time high.1 This has given an unexpected financial boost to many homeowners during a challenging time.
However, for some renters, rising home prices are making dreams of homeownership feel further out of reach.

If you’re a homeowner, it’s important for you to understand how your home’s value contributes to your overall net worth.
If you’re a renter, now is the time for you to figure out how homeownership fits into your short-term goals and your long-term financial future. An

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April 2021 - Jean-Luc Andriot - Blog Post Image

Today’s real estate market is one of the fastest-moving in recent memory.
With record-low inventory in many market segments, we’re seeing multiple offers—and sometimes even bidding wars—for homes in the most sought-after neighborhoods. This has led some sellers to question the need for an agent. After all, why spend money on a listing agent when it seems that you can stick a For Sale sign in the yard then watch a line form around the block?

Some buyers may also believe they’d be better off purchasing a property without an agent. For those seeking a competitive edge, proceeding without a buyer’s agent may seem like a good way to stand out from the competition—and maybe even score a discount. Since the seller pays the buyer agent’s commission, wouldn’t

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