downtown san jose condos for sale: Downtown San Jose Homes... Is inventory going up? - 03/10/23 02:58 PM
  This week went by waaaay too fast. Downtown SJ home inventory remains flat for all, ... SFH, condos and high rises. Take a look, visit www.SanJoseCondosAndHomes.com   As usual. I am here for you. All weekend long! 🏡
www.SanJoseCondosAndHomes.com  
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downtown san jose condos for sale: How to Save for Your Retirement - 01/16/22 04:42 PM
How to Save for Your Retirement Having a student loan payment each month as a college graduate leaves little room in the budget to contribute to a retirement savings account.
College grads without student loans are much more likely to save for retirement. By the time they reach age 30, grads without student loans are predicted to have double the amount saved for retirement as individuals with student loans, according to a study by the Center for Retirement Research at Boston College.
What can those with student loan debt do to fix this?
Pay Your Student Loans First
If you can’t afford to save … (4 comments)

downtown san jose condos for sale: Growth vs. Value Investing: Know the Differences - 01/16/22 04:39 PM
Growth vs. Value Investing: Know the Differences Your investing style and tolerance for risk can help determine what type of stock mutual funds you invest in. The two main types of funds — growth and value — have different characteristics that can match your investing style.
Owning a mix of both funds is probably a smart move, but it can still be worthwhile to understand how each fund works. Here are some short explanations of growth vs. value funds:
Characteristics
Growth businesses are likely to reinvest profits, instead of paying out dividends to shareholders, as a way to grow. Growth stocks … (0 comments)

downtown san jose condos for sale: Real Estate Professionals Are Experts at Keeping You Safe When You Sell - 01/10/22 09:23 AM
If you’re on the fence about whether or not you want to sell your house this year, there’s good news. For nearly two years, real estate professionals have worked tirelessly to ensure the safety of buyers and sellers during the pandemic.
Today, they’re seasoned experts, not just in the art of buying and selling homes, but also in how to keep you safe throughout the process. Real estate professionals have learned new technologies plus safety and sanitation measures. As new variants emerge, those lessons continue to be key ways agents add value.
Real Estate Advisors Stay Current on Guidance for In-Person ShowingsAgents don’t leave your health up to chance. … (2 comments)

downtown san jose condos for sale: Contribute to a 529 College Savings Plan With Gift Cards - 01/09/22 01:13 PM
Contribute to a 529 College Savings Plan With Gift Cards Parents contributing to a 529 college savings plan may find it difficult, if not a little time-consuming, to transfer cash and checks that their children receive on their birthdays, Christmas and other celebrations into the popular college savings fund.
Instead of not knowing if their cash gift is going to pay for college or for a night out on the town, grandparents and others can buy gift cards and have the money deposited in the student’s college savings plan.
The 529 gift cards are used at GiftofCollege.com, a registry for online … (3 comments)

downtown san jose condos for sale: Smart Thermostats: Top 4 Expert Picks - 01/09/22 01:03 PM
Smart Thermostats: Top 4 Expert Picks Programmable thermostats let you set the temperature in your home and have the thermostat change it based on the time of day. What makes them ‘smart’ is that they can learn from your behaviors, let you control the climate remotely, show you energy consumption in real-time and even adjust themselves based on conditions like humidity.
You can tell them to shut off after you leave for work and spring back into action in time to ensure the house temperature is comfortable by the time you get home. Many models can be managed from your phone … (2 comments)

downtown san jose condos for sale: Steps to Take After Identity Theft - 01/08/22 02:58 PM
Steps to Take After Identity Theft Reacting quickly is essential after you’ve been the victim of identity theft. It can lessen the damage by thieves and lower the stress of having your credit card lost or stolen.
You may notice when you get home that your credit card is missing. Or you may get an email from your credit card company that there is some suspicious activity on your account.
Whatever alerts you to identity theft, here are some steps to take immediately after realizing it:
Get on the phone
Depending on the circumstances, you may want to first call the … (1 comments)

downtown san jose condos for sale: How to Check If a Debt Collector Is Legitimate - 01/07/22 11:05 AM
How to Check If a Debt Collector Is Legitimate Figures from the Consumer Financial Protection Bureau (CFPB) show that about 70 million people—more than a quarter of adults in the United States—either have a debt in collection or have been contacted about one.
Some of those people are wrongly contacted by debt collectors. Reasons include contacting the wrong person for the wrong amount, or for debt that can’t legally be enforced, according to the CFPB.
Some calls are from debt collectors who aren’t legitimate and don’t represent an original creditor or don’t own the debt. In other words, they’re outright scams.
… (1 comments)

downtown san jose condos for sale: Retro Colors Make a Comeback: What's Hot in Decor Right Now - 01/07/22 10:57 AM
Retro Colors Make a Comeback: What's Hot in Decor Right Now Everything old is new again, and that goes for decorating with color. While the last decade in home décor has largely been defined by white and varying shades of beige and gray, today’s designers are harking back to yesteryear with paint colors, furniture and even kitchen appliances.
Part art deco, part ‘50s suburban and part ‘60s mod, these awesome retro colors are fresh and refreshed to fit today’s tastes, say the color mavens at Sherwin Williams, whose wall color faves this year include shades of pink, aqua and pale or … (3 comments)

downtown san jose condos for sale: How To Hit Your Homebuying Goals This Year - 01/07/22 10:41 AM
Some Highlights If you’re looking to buy a home, you may want to put these items on your to-do list to ensure you hit your goals. It’s important to start working on your credit and saving for a down payment early. When you’re ready to begin your search, work with a real estate professional and get pre-approved so you know how much you can borrow. Connect with a real estate advisor so you have the guidance you need to achieve your homebuying goals this year. … (1 comments)

downtown san jose condos for sale: Retirement May Be Changing What You Need in a Home - 01/06/22 12:44 PM
The past year and a half brought about significant life changes for many of us. For some, it meant entering retirement earlier than expected. Recent data shows more people retired this year than anticipated. According to the Schwartz Center for Economic Policy Analysis, 2021 saw a retirement boom:
“At least 1.7 million more older workers than expected retired due to the pandemic recession.”
If you’ve recently retired, your home may not fit your new lifestyle. The good news is, you’ve likely built-up significant equity that can fuel your next move. According to the latest Homeowner Equity Insights report from CoreLogic, homeowners gained more than $50,000 in equity over the … (2 comments)

downtown san jose condos for sale: New Tricks for Old Throwaway Items - 01/06/22 11:04 AM
New Tricks for Old Throwaway Items For many of us, mom’s ‘use-it-up, make-it-last, wear-it-out’ mantra was our introduction to thriftiness—a traditional value that has largely been kicked to the curb due to a more materialistic lifestyle.
But the truth is, most of our common throwaway items have not yet reached their full potential. Here are a few smart re-uses that will help keep junk out of landfills and make our life a little easier:
Banana peel as silver polish. Run the peel through the blender with enough water to make a paste. This makes a great silver polish when applied with a … (3 comments)

downtown san jose condos for sale: There Won't Be a Wave of Foreclosures in the Housing Market - 01/06/22 10:45 AM
When mortgage forbearance plans were first announced and the pandemic surged through the country in early 2020, many homeowners were allowed to pause their mortgage payments. Some analysts were concerned that once the forbearance program ended, the housing market would experience a wave of foreclosures like what happened after the housing bubble 15 years ago.
Here’s a look at why that isn’t the case.
1. There Are Fewer Homeowners in Trouble This TimeAfter the last housing crash, over nine million households lost their homes to a foreclosure, short sale, or because they gave it back to the bank. Many believed millions of homeowners would face … (0 comments)

downtown san jose condos for sale: How to Sneak in More Veggies - 01/05/22 11:12 AM
How to Sneak in More Veggies Trying to munch more veggies on the reg, but sick of salads and steamed sides? Below are a handful of simple ways you can up your veggie count with ease.
Blend them. If you’re a smoothie fan, you’ll be thrilled to know that adding a handful or two of baby spinach to your morning blend won’t alter the flavor or texture of your favorite drink. It will, however, give you an added vitamin punch and a bright color.
Juice them. Dust off that unused juicer and aim to make a fresh juice at least once a week. … (2 comments)

downtown san jose condos for sale: What Is a Negotiated Debt Settlement? - 01/05/22 11:04 AM
What Is a Negotiated Debt Settlement? If you’re buried by credit card debt, a negotiated debt settlement with your creditor may be worth checking into. Negotiated debt settlement is a general term for discharging debt in a way that appeals to the credit card holder and the card’s issuer.
It’s best to negotiate from a position of strength by not having submitted late payments or having missed them, which can cause a credit score to fall. If that happens, cardholders will likely have a harder time getting concessions in a negotiated debt settlement. Instead, they should start talking to their creditor … (1 comments)

downtown san jose condos for sale: Why Waiting To Sell Your House Could Cost You a Small Fortune - 01/05/22 11:02 AM
Many homeowners who plan to sell in 2022 may think the wise thing to do is to wait for the spring buying market since historically about 40 percent of home sales occur between April and July. However, this year’s expected to be much different than the norm. Here are five reasons to list your house now rather than waiting until the spring.
1. Buyers Are Looking Right Now, and They’re Ready To PurchaseThe ShowingTime Showing Index reports data from more than six million property showings scheduled across the country each month. In other words, it’s a gauge of how many buyers are out looking at homes … (1 comments)

downtown san jose condos for sale: Love whom you work with! - 01/05/22 10:59 AM
Happy Valentine! Love is always something to celebrate not just today, but daily. Love is everywhere if you choose to see it. Par of mine is loving what I do. Love is seeing the excited face of a first time home buyer or home seller getting the price they wanted. Homeowners making their house a hoe and creating memories, sacred space and all it's suppose to be. Most of all I love working with you and thank you for your trust in my commitment to get you what your heart desires in regards to your Real Estate holding. It's one form … (0 comments)

downtown san jose condos for sale: Avoid the Rental Trap in 2022 - 01/04/22 10:41 AM
Are you one of the many renters thinking about where you’ll live the next time your lease is up? Before you decide whether to look for a new house or another apartment, it’s important to understand the true costs of renting in 2022.
As a renter, you should know rents have been rising since 1988 (see graph below):
In 2021, rents grew dramatically. According to ApartmentList.com, since January 2021:
“. . . the national median rent has increased by a staggering 17.8 percent. To put that in context, rent growth from January to November averaged just 2.6 percent in the pre-pandemic years from 2017-2019.”
That increase in 2021 was far greater than … (2 comments)

downtown san jose condos for sale: 5 Ways to Trick Yourself Into Saving Money - 01/03/22 11:16 AM
5 Ways to Trick Yourself Into Saving Money The savings rate in America is pretty abysmal. Fifty-seven percent of Americans have less than $1,000 in their savings accounts, according to a 2017 GOBanking Rates survey.
Without savings, people can be forced to take on debt when they lose their job, get sick or have major car repairs. Fortunately, there are some easy ways to trick yourself into saving money, whether for retirement, college, a new car, vacation or a rainy day. Here are five:
Automatic Transfers
Having money automatically moved from your paycheck to a retirement account, or from your checking account … (0 comments)

downtown san jose condos for sale: Top 3 Myths About Today’s Real Estate Market - 12/30/21 10:35 PM
There are many conflicting headlines when it comes to describing today’s real estate market. Some are making comparisons to the market we experienced 10 years ago and are starting to believe that we may be doomed to repeat ourselves. Others are just plain wrong when it comes to what it takes to qualify for a mortgage.
Today, we want to try and clear the air by shedding some light on what’s causing some of these headlines, as well as what’s truly going on.
Myth #1: We Are Headed for Another Housing BubbleHome prices have appreciated year-over-year for the last 76 straight months. Many areas … (1 comments)