Investing in Airbnbs has become an increasingly popular way for property owners to generate additional income. With the right property and strategy, a short-term rental can yield double or triple the cash flow of a traditional long-term rental. By furnishing a property, adding guest amenities, and listing it on platforms like Airbnb or VRBO, even average investors can transform into boutique hoteliers.

But is it possible to hold real estate in an IRA or 401(k) and operate an Airbnb within these tax-advantaged accounts without incurring penalties, fees, or taxes? Let’s break it down.

Basics of Real Estate Investing with an IRA or 401(k)

Self-Directed IRAs and Solo 401(k)s

While most IRAs and 401(k)s are managed by financial advisors who might discourage real estate investments, the tax code permits holding real estate in these accounts. This is where self-directed IRAs and solo 401(k)s come in, allowing for greater flexibility.

As Maggie Polisano, founder of CamaPlan LLC, explains:

“They tell you it’s not possible because they can’t earn commissions on real estate. But the truth is, the tax code allows it.”

If you have funds in a traditional IRA or 401(k), you can transfer them to a self-directed IRA or solo 401(k) without incurring penalties, as long as you stay within the same account type (e.g., Roth to Roth). Solo 401(k)s, however, are typically available only if you’ve left your employer or have a business that qualifies for such a plan.

Be Aware of UBTI (Unrelated Business Taxable Income)

Investors using retirement accounts for real estate must navigate Unrelated Business Taxable Income (UBTI), a tax on income the IRS considers unrelated to retirement savings. This can significantly impact the profitability of an Airbnb.

“UBTI is the ‘gotcha clause,’” warns Polisano. “It can defeat the tax-advantaged purpose of an IRA or 401(k) if you’re not careful.”

Key Rules for Investing in Real Estate with an IRA or 401(k)

1. You Can’t Live in the Property

Neither you nor your family members can use the property. This includes parents, siblings, children, or grandchildren. Even partial ownership through your IRA prohibits personal use.

2. You Must Be a Passive Investor

Retirement account rules require a hands-off approach. This means no DIY repairs, tenant interactions, or direct involvement in operations. Hiring a professional property manager is essential.

3. All Transactions Must Stay Within the IRA or 401(k)

- The purchase price, closing costs, and ongoing expenses (e.g., property taxes, insurance, and repairs) must be paid entirely from the IRA or 401(k).

- Income generated by the property must remain in the account.

- Out-of-pocket contributions can trigger taxes and penalties.

Tax Advantages of Real Estate in an IRA or 401(k)

While real estate investments typically offer significant tax benefits, such as depreciation and capital gains exclusions, these advantages don’t apply within a retirement account. The reason? Income within an IRA or 401(k) is already tax-sheltered.

“You have to weigh whether the potential profitability of an Airbnb offsets the lack of real estate-specific tax benefits,” Polisano notes.

Financing Challenges: Using Mortgages

Obtaining a mortgage for a property held in an IRA or 401(k) can be tricky. Most lenders prefer to work with individuals rather than retirement accounts, and financing can also trigger UBTI.

Creative strategies, like purchasing properties “subject-to” existing mortgages or through foreclosure, might offer alternatives, but such approaches require expert legal and tax guidance.

Operating an Airbnb in Your IRA or 401(k): Dos and Don’ts

Repairs and Decoration

You can select contractors, handymen, and designers, but you cannot perform repairs or decorate the property yourself. This ensures compliance with passive investment rules.

Liability Protection

To minimize risk, consider holding the property through an LLC owned by your IRA or 401(k). Any liability insurance premiums must be paid from within the retirement account.

Guest Interactions

Avoid direct involvement in hosting, such as communicating with guests or providing personal touches. Using an LLC or professional property manager can help maintain compliance.

Hiring a Property Manager

Engaging a professional Airbnb manager ensures that the property operates hands-off, meeting IRS requirements and avoiding UBTI.

“It’s an additional expense, but it’s far less costly than a UBTI bill,” Polisano emphasizes.

CamaPlan LLC: Your Self-Directed IRA Partner

CamaPlan LLC specializes in self-directed IRA and solo 401(k) administration, enabling investors to diversify their retirement portfolios with alternative assets like real estate, private lending, and more. Based in Ambler, PA, and serving clients nationwide, CamaPlan empowers investors to take control of their financial futures. Visit www.camaplan.com to learn more.

Disclaimer: The information provided here is not intended as tax, legal, or financial advice. Always consult with qualified professionals before making investment decisions. https://bostonrealestateinvestorsassociation.com/airbnb-investing-with-an-ira-or-401k/

Hi Everyone, We just launched a FREE 7-part Fair Housing training series featuring Zona Law Attorney Mark Zinman. Fair Housing education is the first line of defense in avoiding costly lawsuits down the road. For more insights, be sure to check out episode 130 of the Rent Perfect podcast! Give your members access to this FREE 7-part Fair Housing training series now! They will thank you!

LISTEN TO PODCAST FAIR HOUSING TRAININGFAIR HOUSING TRAINING HERE https://bostonrealestateinvestorsassociation.com/free-7-part-fair-housing-training-series/

As we look ahead to 2025, home design is taking on a fresh perspective, blending timeless classics with personal touches, nostalgia, and the quiet elegance of understated luxury. The year's biggest trends prioritize beauty, functionality, and sustainability.

“The design shift is toward a more comfortable and tailored space featuring luxurious pieces with nostalgic accents. Expect bold colors, vintage elements, and smart home technologies that offer discreet convenience,” — Sarah Fishburne, Director of Trend & Design, The Home Depot.

Here’s an exclusive look at four key design trends that will define 2025. Whether you’re taking on a bold DIY project or embarking on a complete home renovation, there’s a style to fit every personality.

1. Classic Elegance

This timeless trend celebrates the beauty of enduring design. Classic Elegance is all about high-quality decor and thoughtful investments that last a lifetime. Key features include modernized artisanal craftsmanship, bold pops of color, and statement moulding that adds texture and depth to walls. Formal dining rooms are back, supporting the shift from open floor plans to more intimate, connected spaces.

Design Highlights:

- Decorative wall moulding for elevated style

- Warm, bold color schemes to create depth and drama

- Monochromatic "color drenching" to add visual impact

Sarah’s Pro Tip: Focus on personalized decor that reflects your unique taste. Add rich textures, tactile fabrics, and natural wood finishes. Mix in warm or dark stone elements to create depth.

Shop This Look:

- Abruzzo Freestanding Soaking Bathtub

- Home Decorators Collection Medallion Blue Indoor Area Rug

- Ivy Hill Tile Marmo Black Porcelain Floor & Wall Tile

- Jennifer Taylor Round Arm Velvet Curved 3-Seater Sofa (Burgundy)

- Lazzara Baylor Dark Blue Velvet Tufted Accent Chair

2. Modern Embrace

Modern Embrace introduces a softer, more natural aesthetic. While retaining the timeless appeal of clean lines, this trend features organic shapes, soft curves, and globally inspired decor. Thick trim, wall paneling, and herringbone floors add depth, while artisanal furniture pieces lend character.

Design Highlights:

- Natural, organic shapes and fluid forms

- Artisanal, hand-crafted decor and furniture

- Globally inspired textiles and accessories

Sarah’s Pro Tip: Elevate your space with soft textures and live greenery. For a natural feel, lean into color palettes with warm browns, olive greens, terra cottas, and complex whites.

Shop This Look:

- StyleWell Goodwin Faux Leather Sofa (Caramel Brown)

- Nathan James Percy 2-Light Pendant Light (Black/Vintage Brass)

- Harper & Bright Designs Barrel Accent Chair (Tan/Burnt Orange)

- Glacier Bay Ryden Bathroom Faucet (Brushed Gold)

3. Cozy Cottage

This modern take on the traditional farmhouse style emphasizes warmth, casual elegance, and thoughtful layering. Inspired by Shaker, prairie, and country aesthetics, Cozy Cottage embraces craftsmanship, tactile design, and a sense of nostalgia. Its palette blends earthy neutrals with soft, atmospheric hues.

Design Highlights:

- Hand-crafted, artisanal design with a fresh twist

- Soft, grounding natural tones with layered textures

- Collectible accents that add character to the space

Sarah’s Pro Tip: Combine patterns like florals, bold stripes, and modern geometrics. Incorporate natural materials like stone, brick, and wood to bring an organic warmth to your space.

Shop This Look:

- Home Decorators Collection Brass Oversized Pendant Light

- Raleigh Farmhouse Fringed Jute Area Rug (Tan)

- Glacier Bay Bathroom Faucet (Brushed Nickel)

- Ivy Hill Thistle White Polished Marble Mosaic Tile

- Progress Lighting Brookside Outdoor Wall Lantern (Solid Copper)

4. Vintage Deluxe

For those who love a blend of luxury and history, Vintage Deluxe offers an elevated take on classic design. It features quiet luxury — a move away from loud maximalism — and embraces timeless opulence with reimagined vintage fixtures. Statement pieces and furniture with exposed screws, rivets, and vintage-inspired finishes add depth and intrigue.

Design Highlights:

- Opulent, classic furniture with traditional shapes

- Dark and burl wood finishes that age gracefully

- Metal accents with exposed details (flathead screws, rivets, etc.)

Sarah’s Pro Tip: Focus on luxurious, rich materials like velvet upholstery and fine wood. Opt for large, overscale furniture pieces with traditional lines that can evolve over time. Color trends for this look include mineral tones, sepia hues, and muted pastels.

Shop This Look:

- Delta Albion 2-Toned Bathroom Faucet

- Sumner Street Satin Brass Cabinet Knob

- StyleWell Goodwin Faux Leather Sofa (Navy)

- James Martin Vanities Olena Quartz Top Bath Vanity

- StyleWell Blairmore Verdite Green Velvet Accent Chair

2025 Paint & Stain Trends

In 2025, color takes center stage. Rich, warm, and natural-inspired palettes will be key, adding depth and personality to spaces. Look for hues inspired by nature, like deep browns, olive greens, and terra cottas, along with sophisticated pastels and earthy neutrals. These colors bring warmth and familiarity, perfectly complementing the year’s top design trends.

Shop the Look

Featured Products:

- Freestanding Bathtubs: Abruzzo Freestanding Soaking Bathtub

- Rugs: HDC Medallion Blue Area Rug, Raleigh Farmhouse Fringed Jute Rug

- Dining Tables: HDC Walnut Brown Round Pedestal Dining Table

- Sofas & Chairs: Jennifer Taylor Round Arm Velvet 3-Seater Sofa (Burgundy), StyleWell Goodwin Faux Leather Sofa (Caramel Brown)

- Bathroom Vanities: HDC Aberdeen Bath Vanity with Carrara Marble Top

- Lighting: Brass Oversized Pendant Light, Progress Lighting Outdoor Lantern (Solid Copper)

- Accent Chairs: Lazzara Dark Blue Velvet Tufted Chair, Harper & Bright Designs Barrel Accent Chair

Source: https://corporate.homedepot.com/news/products/home-design-trends-shaping-2025-sarah-fishburne https://bostonrealestateinvestorsassociation.com/?p=12735

There’s something strangely captivating about abandoned properties. The eerie stillness, the remnants of grand ambitions, and the stories they tell all contribute to a fascination that draws many, including myself, into this peculiar rabbit hole. It all started when I stumbled across a YouTube video by Bright Sun Films about Peter Grant’s mansion in Ontario, Canada. The narrative of a wealthy timber magnate unable to fulfill his dream captivated me. It’s a story that echoes across many abandoned properties worldwide.

My curiosity deepened when I watched a video on the abandoned Power Plant in South Boston — a place I had driven past countless times when I lived nearby. The familiarity of the location combined with its mystery made the experience even more compelling. So, when an article on Canada’s most incredible abandoned houses appeared in my feed, I had to click.

One property, in particular, stood out: the Crypto King Mansion. Despite its current state of disrepair, with broken windows and leaking roofs, the house's valuation was a staggering $3.1 million. The idea that a house in such poor condition could be worth so much was mind-boggling. It raised a question that has puzzled me for years: Why don’t owners of such properties sell them quickly to companies like Cash Offers Ontario? Selling for cash and moving on seems far more practical than letting a valuable property deteriorate.

This led me to explore Ontario’s real estate market. Was it like ours? Were home prices dropping, or did they also experience a COVID-induced surge like we did in the U.S.? I dug into a blog by Norada Real Estate Investments, which provided some fascinating insights. As of August, Ontario’s home prices had increased 2.2% year-over-year, with an average sale price of nearly $838,000. Meanwhile, Toronto saw a 5% decline in prices, with an average sale price slightly below $1.1 million. The data revealed that Ontario’s market was stabilizing after a period of wild volatility, much like what we’ve seen in the U.S.

What’s driving these prices? Government initiatives aim to increase housing supply amid a growing demand. Sound familiar? It’s the same story we’re living through here. Over the past decade, home prices in Ontario have doubled. While the region's population grew by 18.4%, home prices skyrocketed 101.7%. This disparity between population growth and housing price inflation mirrors the affordability crisis seen across the United States.

Ontario's challenges are strikingly similar to our own. Housing has become unaffordable for many, whether renting or buying. Builders are hesitant to start new projects due to profitability concerns. It’s a supply-and-demand issue, plain and simple. Demand exists, but supply is limited, and the cost of construction keeps developers from building more affordable housing.

The solution? It lies in increasing supply. One approach could be to streamline construction approvals for homes priced below 50% of an area’s average home price. For example, if the average price in a town is $800,000, red tape could be reduced for developments with homes priced at $400,000 or below. Additionally, government-backed financing programs could incentivize builders to create affordable housing. Another powerful strategy would be tax incentives for developers constructing below-market-rate homes.

If we truly want to solve the housing crisis, we might need to address the broader system. A radical but potentially transformative idea would be to phase out government-sponsored entities like Fannie Mae and Freddie Mac, leaving the VA loan program intact as the sole low-down-payment option. Such a shift would have to be done gradually to avoid a market collapse, but it could reduce reliance on government-backed mortgages, stabilize housing prices, and boost affordability.

At the end of the day, if a few people get richer in the process but more affordable housing is built, who cares? The bigger win is a future where housing is accessible for everyone. https://bostonrealestateinvestorsassociation.com/exploring-the-fascination-with-abandoned-properties/

From Alaska’s Glaciers to Norwegian Fjords: Unforgettable Cruise Destinations
Traveling by sea is an incomparable experience. It’s the epitome of relaxation and enjoyment, filled with captivating sights, tranquil atmospheres, and luxury services; it is a gateway to the extraordinary. Its magic lies in the gentle rocking of the waves, the charm of living at sea, and the exposure to Earth’s marvelous wonders. Among the diverse cruise options, voyages to Alaska’s glaciers and Norwegian fjords are ultimate bucket list items. These destinations stun visitors with their beauty, leaving an indelible print on their memory.
Experience Alaska’s Glaciers
Alaska is often described as the ‘Last Frontier’. Its remote, untouched terrain is both tranquil and visually stunning. Cruising through its majestic glaciers provides a striking sight to behold. Visitors can absorb the power and beauty of these icy giants while listening to the thunderous echo of ‘calving’ – the moment when chunks of ice break off and crash into the sea. Remember to pack warm clothes and binoculars and don’t forget to secure your trip with UHC SafeTrip insurance, which will provide invaluable support in case of any unforeseen incidents.

Alaska’s wildlife, visible from the ship, is another highlight. Sightings of bears, bald eagles, harbor seals, and humpback whales are quite common. The landscapes you see while on board will be unlike any other; snow-capped mountains, vast forests and waterfront villages. For adventure seekers, there are land tours to Denali National Park and trips to sled-dog kennels.
Voyage to Norwegian Fjords
Norway, reminiscent of a fairytale setting, is known for its fjords — narrow deep inlets of sea between high cliffs, shaped by glacial activity. A cruise through its fjords will expose you to skies decorated with the dancing hues of the Northern Lights and an unparalleled view of Scandinavia’s raw wilderness.

Visitors will marvel at this idyllic landscape filled with deep blue waters framed by towering snow-blanketed mountains. Each fjord houses its own unique scenery of quaint villages, cascading waterfalls, and vibrant wildlife. In Flam, for instance, tourists can take a train ride on what’s often called the ‘world’s most beautiful train journey’, and in Bergen, the authentic fish market and the scenic views from Mount Floyen are must-sees.

The unforgettable fjord cruise can further be paired with a journey to the truly unique stops like the Viking-age stave churches found in rural Norway or a brisk hike to Pulpit Rock, an unmatched viewing platform towering 604 meters above Lysefjord.
Travel Tips for a Secure Voyage
Thorough planning and preparation are integral to any trip, especially for cruises where one spends several days or even weeks at sea. Packing should be done with the type of cruise and weather in mind. Travel insurance like UHC SafeTrip insurance, is a prudent step in ensuring protection against potential health scares or unexpected disruptions during your trip.

Integrating elements like guided tours on land further enriches your voyage. They allow you to explore prime attractions of port cities and soak in the local culture. There’s a certain allure to befriending locals and tasting regional cuisines.
Conclusion
A sea voyage through Alaska’s glaciers and Norway’s fjords offers a transcendental experience. The sweeping panoramas, rare wildlife, and captivating cultures encountered on these exquisite cruises provide enough memories to last a lifetime. Embrace the tranquil ambiances, relish the enriching excursions, and make unforgettable memories!

Every day, every shore, every adventure holds something new. It is this constant sense of discovery that transforms a simple journey into an extraordinary experience. From the astounding glaciers of Alaska to the ethereal fjords of Norway, cruising goes beyond visiting; it is about absorbing the mesmerizing essence of our beautiful planet

[ https://investingtravels.com/editors-choice-travel/unforgettable-cruise-destinations/

Price: $20.00(as of Nov 29,2024 18:55:15 UTC - Details)

Unleash your potential and gear up in style with the PUMA Evercat Transformation Youth 14"" Duffle Bag. Designed for young athletes on the move, this sleek and versatile bag combines Puma's signature edge with everyday practicality. Whether you're heading to practice, the gym, or a weekend getaway, this duffle brings effortless style and function to every adventure. With bold PUMA branding and thoughtful details, it's the perfect companion to keep you organized and looking sharp. Department ‏ : ‎ unisex-child Date First Available ‏ : ‎ June 28, 2024 Manufacturer ‏ : ‎ PUMA ASIN ‏ : ‎ B0D8BWQGLP https://investingtravels.com/travel-products/puma-kids-evercat-transformation-duffel-bag/

Rather than view the lease as a "throw away" part of being a landlord, Real Estate Attorney Mark Zinman teaches us why this is the most important part of any rental transaction. Discover legal ways to let the lease documents be the "bad guy," give you the power, and let you enjoy the fruits of your investment.

Rent Perfect helps landlords onboard tenants with ease from the initial background check to leasing and payment collection. You can learn more by visiting www.rentperfect.com or calling 1-877-922-2547. https://bostonrealestateinvestorsassociation.com/ep-3-a-powerful-lease-is-a-landlords-best-friend-w-mark-zinman/

Additional Insured and Loss Payee Roles in Insurance

The designations of Additional Insured (AI), Loss Payee, and Lender’s Loss Payee often cause confusion for those not well-versed in insurance. While these roles might not directly impact an investor’s day-to-day business, understanding each helps avoid potential complications in the claims process and ensures all involved parties are protected as intended.  

Additional Insured

An Additional Insured (AI) is any person or entity other than the policyholder that has an insurable interest in the property. This could include a business partner, property manager, or lender. Additional Insureds are added to policies to protect themselves in cases where they either have a financial stake (as with property policies) or some liability exposure (as with general liability policies).  

Each Additional Insured listed in a policy is entitled to the coverage available under that policy. This means Additional Insureds have the right to make claims on the policy when it concerns the insurable interest outlined in the contract. However, they are only listed on claim payments if they are also designated as a loss payee, which we’ll discuss later on.  

Changes in partnerships, mortgagees, or property management can lead to inaccuracies in Additional Insured listings. If a name or role is inaccurate, additional documentation must be provided to update the Evidence of Insurance. Without these updates, errors may occur in coverage or claim payments and could even delay claims settlements, potentially causing issues for both the policyholder (you, the investor) and the AI.   

Loss Payee

A Loss Payee is a third party with a direct financial interest in the property, most commonly a lender, but may also be a business partner or private investor. This designation ensures that if there is a covered property loss, the Loss Payee will receive payment alongside the insured. However, being named as Loss Payee does not grant any rights under the policy beyond the claim payout. The insurer is not obligated to provide coverage or settle a claim with the Loss Payee if the loss is denied to the insured.   

The insurer is not required to notify the Loss Payee that coverage is in force. Instead, the Loss Payee is simply included in any payment following a covered claim. Misunderstandings around these rights can be avoided by clarifying these distinctions early on in business dealings and in contracts.  

Lender’s Loss Payee

The Lender’s Loss Payee designation provides a higher level of protection for lenders by creating a direct contract, or “privity,” between the lender and the insurer. This protects the lender’s financial interests even if the policyholder does not meet their obligations or commits a wrongful act. With a Lender’s Loss Payee clause, the lender’s interest is protected, even in cases where the insured’s claim would otherwise be denied.  

The Lender’s Loss Payee designation is often favored by lenders because it includes additional benefits. For instance, if coverage is cancelled or not renewed, the insurer is required to notify the lender. This allows lenders to stay informed of any changes to the policy that might impact their financial interest.  

For example, if an investor’s policy lists the lender as a standard Loss Payee, the lender and the insured would both be listed on any payout check for a covered loss. But if a policy provision or non-compliance by the insured prevents payment, the lender would also forfeit the payout. Conversely, if the lender is named as a Lender’s Loss Payee, they may still be entitled to payment even if the insured is disqualified due to non-compliance or other policy provisions.  

Avoiding Potential Complications

Accurate designations of Additional Insureds, Loss Payees, and Lender’s Loss Payees keep claims processes smoother and ensure all parties have clear, documented roles in the event of a loss. Understanding each distinction helps investors navigate claims, avoid unnecessary disputes, and maintain transparent communication with lenders and partners. If you have additional questions about these roles, feel free to contact your Client Service Advisor!  

Source link https://bostonrealestateinvestorsassociation.com/additional-insured-and-loss-payee-roles-in-insurance/

Mastering Coinsurance & Avoiding Costly Penalties

Understanding the Importance of Coinsurance in Protecting Your Investment Properties

When it comes to safeguarding your investment properties, simply purchasing an insurance policy is not enough. It is crucial to grasp the key factors that can significantly impact your coverage and payouts, with coinsurance being one of them. Coinsurance is a standard provision in the property insurance industry that mandates you to insure your property to a specific percentage of its total value, typically 80%, 90%, or 100%. Failure to meet this requirement at the time of a loss can result in penalties, potentially reducing the amount you receive from a claim. The primary purpose of coinsurance is to prevent underinsuring of properties.

An Illustrative Example

Consider a scenario where you have an investment property insured for $100,000 with a $3,000 deductible. If the property experiences a $40,000 loss and you file a claim, an adjuster will assess the cost of rebuilding the property in the event of a total loss. Suppose the adjuster determines the rebuilding cost to be $250,000 and you have an 80% coinsurance clause in your policy. This means you agreed to insure the property to 80% of its true replacement cost at the time of policy inception. However, since you only have coverage for $100,000, you will face a coinsurance penalty for being underinsured by 50% in this case.

The coinsurance penalty is applied before factoring in the deductible and depreciation. In the example provided, the penalty would reduce your claim amount to $20,000, minus the $3,000 deductible, resulting in an actual payout of $17,000 for a $40,000 loss.

Avoiding Coinsurance Pitfalls

To prevent coinsurance penalties during a loss, insurance carriers may inflate the Insurance to Value (ITV) of your property to ensure adequate coverage. While this may protect you from penalties, it can lead to higher premiums for coverage levels you may not necessarily need. At National Real Estate Insurance Group (NREIG), we take a different approach by working closely with investors to determine fair property valuations per square foot, offering Actual Cash Value (ACV) and Replacement Cost (RC) coverage options without coinsurance starting at competitive rates.

Why Choose NREIG?

Opting for NREIG means opting for peace of mind. Our no-coinsurance policies are designed to shield you from unexpected penalties without overpaying for coverage. With flexible coverage options and a team of experts dedicated to simplifying the insurance process, NREIG provides support at every stage of your investment journey.

 

Originally published at ICOR.

https://bostonrealestateinvestorsassociation.com/mastering-coinsurance-avoiding-costly-penalties/

MYTHS Debunked - NAR Commission Settlement

There are a lot of myths being told about the NAR Commission Settlement (NAR = National Association of Realtors). The media is saying that it's the end of the agent to housing prices are going to become more affordable to brokers will reduce their fees to seller's no longer paying a buyer fee... The list is endless.
So let's examine what is being said and see what is most likely the result of this lawsuit settlement.
I can help you find the BEST agent in all 50 states! Reach out as I would love to ensure that you find an agent that is actually worth their salt!
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We get calls and emails everyday from people just like you, looking for help on making their move to the Boston Metro area and we absolutely love it.😍 Whether you are moving in 9 days or 90 days, give us a call ☎, shoot us a text📝, or send us an email📨 so we can help you make a smooth move to the Boston area.🤠
👇Connect with me
Jeffrey Chubb | Chubb Homes Team | 617-480-2600 | Jeff@Boston2.com | https://www.Boston2.com | Brokered by REAL
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Disclaimer: These are the opinions of Jeffrey Chubb personally and not REAL Broker. You should do your own research to come up with your own conclusions when it comes to making the investment decisions of buying or selling real estate. Jeffrey is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only. https://bostonrealestateinvestorsassociation.com/myths-debunked-nar-commission-settlement/

A Powerful Lease is a Landlord's Best Friend w/ Mark Zinman

Rather than view the lease as a "throw away" part of being a landlord, Real Estate Attorney Mark Zinman teaches us why this is the most important part of any rental transaction. Discover legal ways to let the lease documents be the "bad guy," give you the power, and let you enjoy the fruits of your investment.
Rent Perfect helps landlords onboard tenants with ease from the initial background check to leasing and payment collection. You can learn more by visiting www.rentperfect.com or calling 1-877-922-2547. https://bostonrealestateinvestorsassociation.com/ep-3-a-powerful-lease-is-a-landlords-best-friend-w-mark-zinman/

2024 REIA Chapter Benefits and Pricing: How Rent Perfect Simplifies Property Management

The world of property management is complex, especially for landlords managing rental properties. The 2024 REIA Chapter has partnered with Rent Perfect to simplify and streamline the rental management process. From tenant applications and screenings to online rent payments, Rent Perfect provides tools that help landlords save time and minimize stress, allowing them to focus on enjoying their investments. Here’s an overview of the benefits and pricing available through the REIA Chapter for using Rent Perfect.

What Is Rent Perfect?

Rent Perfect is a property management solution designed for landlords, offering tools to automate critical tasks. These tools cover the rental process from application to move-in inspection, providing an integrated system that’s accessible on any device. The goal is to ease the workload of property management, ensuring landlords can manage their properties efficiently.

Exclusive Benefits for REIA Members

REIA members can access Rent Perfect at an incredibly low cost, unlocking a suite of powerful tools with a one-time account setup fee of just 95 cents. Here’s how REIA members can benefit:

- Discounted Access: Members can create a Rent Perfect account for under a dollar by using the REIA referral link.
- Rewards Program: Members can participate in the National REIA’s rewards program, which provides additional incentives for referring Rent Perfect to others.

To enjoy these benefits, members must sign up through a unique referral link, which can be shared via the REIA website or email.

Comprehensive Services by Rent Perfect

Rent Perfect offers a broad range of services designed to simplify rental management. Here’s a closer look at what REIA members can expect from this system.

1. Tenant Screening and Applications

With Rent Perfect, landlords can invite prospective tenants to complete an online application, pay for their background check, and create a Rent Perfect account. For $44.95 per applicant, landlords can access extensive screening services, including background checks, credit history, criminal records, evictions, judgments, and liens. These checks are conducted by licensed private investigators, ensuring accurate and reliable information. This fee is typically paid by the applicant, making this a no-cost benefit to REIA landlords.

2. Customizable Leases and Move-In Inspections

Rent Perfect offers free customizable lease templates for REIA members. Once a tenant is approved, landlords can generate a digital lease, which tenants can view and sign online, eliminating the need for physical paperwork. The lease can be accessed on any device, making it convenient for both landlords and tenants.

To avoid disputes over property condition, Rent Perfect also provides a move-in inspection tool. This digital solution enables landlords to document the property’s condition at the start of the lease, making it easier to assess potential damages at move-out.

3. Renter’s Insurance

Tenant negligence can lead to unexpected damages. Rent Perfect allows tenants to purchase liability insurance starting at $4.95 per month, giving landlords protection against potential lawsuits and damages. As an added benefit, landlords are notified if the insurance policy is terminated early, giving them peace of mind.

4. Online Rent Payments

Collecting rent has never been easier. Rent Perfect’s online rent payment tool allows landlords to manage rent collections securely and conveniently. Tenants can set up automated monthly payments, which helps them build a positive credit history with each on-time payment. Landlords benefit from a streamlined process, tracking payment details, due dates, and even late fees in one place. For each account, landlords pay a $10 monthly fee, while tenants pay $3.95 per ACH payment.

5. Skip Tracing Tool

Rent Perfect includes a skip tracing tool, which costs $5 per order. This tool helps landlords locate past tenants who have skipped out, making it easier to initiate the legal process for recovering owed funds. With just a tenant’s name and SSN, landlords can obtain current addresses to facilitate collections.

6. Vendor VIP and Work Order Management

Coming in 2024, Rent Perfect will integrate with Vendor VIP, providing landlords with a seamless work order management solution. This tool allows landlords to manage work orders directly with their chosen vendors, ensuring that repairs and maintenance requests are handled efficiently. Through the Vendor VIP platform, REIA members can establish a preferred vendor list and invite their preferred service providers to join.

Free Educational Resources

Rent Perfect doesn’t stop at property management tools; it also offers a variety of educational resources to support landlords in making informed decisions. Here are some of the valuable resources available:

- Weekly Video, Podcast, or Article Updates: Rent Perfect updates its educational content feed every week, so landlords can stay current on industry trends without extra effort.
- The Rent Perfect Podcast: With 10–20 minute episodes, this podcast provides insights on rental management best practices, covering relevant topics for landlords.
- Articles and Blog: Expert articles written by seasoned landlords are accessible through Rent Perfect, covering essential tips and strategies.
- The Successful Lazy Landlord Video Series: This 14-episode series is designed for landlords seeking efficient methods for tenant placement and property management. Each episode is only 2-3 minutes, offering concise, actionable advice.
- Live Zoom Presentations: Led by David Pickron, founder of Rent Perfect, these presentations provide live demonstrations of the Rent Perfect system and practical advice for rental management.
How to Get Started with Rent Perfect

REIA members interested in Rent Perfect can sign up quickly using their chapter’s referral link. Once registered, they can access all the available tools and educational resources, with many features provided at no additional cost.

For those looking to add value to their rental operations and create a streamlined management experience, Rent Perfect offers a reliable solution. Members are encouraged to explore Rent Perfect’s free resources and take advantage of the benefits offered through the REIA Chapter.

In Summary

Rent Perfect is more than just a management tool—it’s a comprehensive solution designed to enhance every aspect of rental management. REIA members gain access to an extensive set of features, from tenant screenings and digital leases to rent collection and work order management. These tools not only save time and reduce stress but also empower landlords to focus on maximizing their investment returns. With additional educational resources and member-exclusive discounts, Rent Perfect and the REIA Chapter provide everything a landlord needs to manage their properties with confidence and ease.

Ready to Streamline Your Rental Management?

Sign up today through the REIA Chapter referral link and start enjoying the benefits of Rent Perfect’s innovative property management system. Whether you’re new to property management or a seasoned landlord, Rent Perfect has the tools and resources to make your job easier.

GET YOUR SIGN UP LINK HERE

Download the full program brochure below

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https://bostonrealestateinvestorsassociation.com/2024-reia-chapter-benefits-and-pricing-how-rent-perfect-simplifies-property-management/

A new law was recently signed by Governor Healey in Massachusetts that aims to protect tenants from the negative impact of eviction records. This law, part of the Affordable Homes Act, allows tenants to seal certain eviction records from public view and prevents these records from appearing on credit reports. It will come into effect on May 5, 2025.

What This Law Means for Tenants and Landlords

The goal of the law is to help tenants find housing without being blocked by past eviction records, which can be caused by financial difficulties. Tenant advocates believe this will reduce housing discrimination, but landlords are concerned. They often rely on eviction records as a key part of tenant screening and fear this change could make it harder to assess renters. Some landlords may respond by requiring higher credit scores or income levels for applicants.

Under this new law, the tenant has to take action to get their eviction record sealed. If they don’t apply to have it sealed, it will still be publicly available. But once a tenant does apply, the process of sealing the record is quick and easy, and landlords might not even know the record was sealed.

Different Rules for Different Types of Evictions

Here’s how the law handles different types of eviction cases:

No-Fault Evictions

A no-fault eviction happens when a tenant is evicted for reasons unrelated to their behavior, such as when a landlord decides to sell the property. In these cases, tenants can apply to have their record sealed. If the landlord doesn’t object within seven days, the court will approve the request without a hearing.

Non-Payment of Rent

For cases where tenants were evicted for not paying rent, they can apply to seal their record if they have had no evictions in the last four years. The tenant also needs to prove that financial hardship was the reason for the non-payment. Again, the landlord has seven days to object, and if they don’t, the court will automatically seal the record.

Evictions for Serious Issues (At-Fault Cases)

Evictions involving serious lease violations, such as criminal activity or property damage, are called at-fault cases. Tenants can apply to have these records sealed if they have been eviction-free for seven years. If the landlord doesn’t object within seven days, the court will typically seal the record. For certain criminal-related evictions, the court will need to hold a hearing to make sure sealing the record doesn’t compromise public safety.

Dismissed Cases or Tenant Wins

If a tenant wins the eviction case or the case is dismissed, the tenant can immediately apply to seal the record. The court will seal the record without notifying the landlord or holding a hearing.

Impact on Credit Reporting Agencies

This law also imposes new restrictions on credit reporting agencies. They will no longer be able to include sealed eviction records in their reports. Additionally, if an eviction record is not sealed but is still included in a report, the agency must specify the type of eviction, whether it was no-fault, non-payment, or for cause. These changes will make it difficult for credit agencies to report eviction information accurately, and many may stop reporting eviction records altogether in Massachusetts.

Changes to Rental Applications

Landlords in Massachusetts will now have to include a new disclosure in their rental applications. This allows tenants with sealed eviction records to legally answer “no record” when asked about evictions.

What Happens Next?

The law won’t be in effect until May 2025, giving the courts and credit reporting agencies time to adjust to these new rules. Landlords and rental agents will also need to update their processes. There’s still some uncertainty about how the law will be enforced and how smoothly things will run once it’s live, but for now, this new law represents a major change in tenant rights in Massachusetts.

Download Law PDF HERE https://bostonrealestateinvestorsassociation.com/massachusetts-passes-new-law-to-help-tenants-seal-eviction-records/

Just When You Thought FinCEN Couldn’t Get Any Better

FinCEN is at it again. Just when you thought government overreach couldn’t get any better, it did.

FinCEN has now published its final rules for registration of residential real estate transactions. The rules will take effect December 1, 2025.

The stated goal is to eliminate money laundering via real estate.

You personally won’t have to supply the registration information. There is a list of people or institutions involved in the transaction that will be responsible for the actual registration of the required information; the real estate agent, title company, etc.

Basically, all residential real estate transactions that don’t involve a mortgage have to be registered with FinCEN, unless title is taken in the name of an individual.

The regulations read:  Transfers are reportable when they meet the following criteria: (1) the property is residential real property; (2) the transfer is non-financed; (3) the property is transferred to a legal entity or trust, and (4) an exemption does not apply.

“Residential” is defined broadly to include raw land where a residence could be built, for example. “Non-financed” is also defined broadly to include gifts, for example. The rules pick up most “entities” that you would commonly think of.

There are some exceptions, such as a transfer because of death, divorce, bankruptcy, court order, or a1031 qualified intermediary. A transfer into a standard living revocable trust would not be required to register provided it is a trust in which the individual, their spouse, or both of them, making the transfer are also the settlor or grantor of the trust. Basically, you transfer it into a trust that you created.

Between FinCEN and the digital dollar, which Biden authorized under Executive Order 14067, the government has put a lock on all it needs to do in order to see every transaction you make. Fed Now has already been implemented. I don’t know if there is any going back at this point.

I got an email today asking what could be done to keep private from the government (specifically FinCEN).

My answer is: you have to comply. Your privacy is gone. https://bostonrealestateinvestorsassociation.com/fincen-information-real-estate-investors-need-to-know/

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Riemot Luggage Cup Holder for Suitcase: Free Your Hands, Go Travel! Traveling can be a drag, and you don't usually have a free hand to hold a drink especially with kids. But with this suitcase cup holder, you can hold two drinks now.

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Perfect Gift for Travelers: Whether you're a flight attendant, business traveler, or parent with kids, riemot's cup holder makes a great gift for anyone who loves to travel. Travel must haves for airport or airplane. https://investingtravels.com/travel-products/riemot-luggage-travel-cup-holder-free-hand-drink-carrier-holds-two-coffee-mugs-fits-roll-on-suitcase-handles/

Did you know that in terms of GDP per capita, Switzerland is the third richest country in the world? That’s right – Switzerland has a total GDP per capita of $94,835. The only two wealthier countries by that metric are Luxembourg, with a total GDP per capita of $128,820 and Ireland, at $106,998.

However, it’s not just GDP per capita that indicates how wealthy Switzerland is. A 2020 report released by Credit Suisse found that Switzerland has the highest wealth per adult out of any other country in the world! In fact, the average income in Switzerland is – get this – over $696,000! Today on Across the Globe we’re going to be looking at this and delving into all the reasons behind how Switzerland is so rich.
https://investingtravels.com/travel-trends/what-are-the-reasons-behind-switzerlands-wealth/

Countries That Will Pay You to Travel There
Did you know that, according to a recent survey, most Americans spend about $2,743 on vacations each year? Well, imagine if these places that you wanted to travel to would actually pay you to visit there? Well today across the globe we are going to be looking at the countries that will pay you to travel there! Travel is clearly important to most people – even if it comes at a financial cost. In fact, over half of Americans report that they prioritize spending money on travel over hobbies, retirement savings, and even home improvements. So, we’ve compiled a list of several countries that have travel incentives in place that may make your next international trip more affordable than you ever thought possible! So let's get to it.
_______________

#freetravel #travel #acrosstheglobe
https://investingtravels.com/travel-trends/countries-that-offer-paid-travel-opportunities/

If a dog is man’s best friend, and diamonds are a girl’s best friend, then what is a landlord’s best friend?  In my thirty-plus years in the industry, I’ve come to discover that having a written, detailed, and well- defined criteria for each of my properties has really become my best friend.  And maybe even more important than having a criteria is the sharing of that criteria with all future tenants.  Taking sixty seconds to share your criteria can save you from sixty days or more with an eviction and rehabbing and turning your property.  

Before moving on I must state that I am happy to accept any and all applications for my property.  I would never restrict someone from applying, ever, for any reason.  But to save lost time and money, and to responsibly manage, here are the three ways I share the property-specific criteria that have served me best in my career.

In the Listing:  If sharing your criteria is important, why not get it into the hands of your potential tenant as early as possible.  I like to have it posted in the listing as a way to begin screening right out of the gate.  This makes my job easier and saves me time and money as I find myself showing the property to individuals who might actually become tenants, rather than just showing it to people who are out “kicking tires” or who are filling up their free time looking at homes.  For example, if you have a strict “no pets” policy for a property and you share that in the listing, the person who owns three dogs and is looking for a home can skip right by your listing and move in somewhere better suited for them.  A word of caution, you never want to include anything in your criteria that falls under the seven protected classes as defined by federal law.  Things like FICO scores, smoking policies, or occupancy limits are not protected classes, so feel free to use and share those.  Always check with your attorney to ensure you are in compliance.

At Time of Showing:  I like to present a printed version of the criteria at the time of showing.  I usually don’t review it with them at that time unless they show interest in the property and begin asking questions.  Usually at this point they are asking me “what does it take to qualify for this property?“  This is the perfect opportunity to review with them, line by line, exactly what the criteria consists of for that property.  I’ve often had individuals see something on the criteria during this time that they had overlooked when reviewing the listing and they have eliminated themselves from consideration for the property.

When Sending the Application: Now that they have reviewed the listing and received a physical version of the property criteria at the showing, I give them one more chance to self-screen as they receive it again with their application.  My intent is never to get rich off of an applicant’s $35-50 application fee, so giving them one more look at what is expected for this property at this time can save everyone in the transaction time and money.  Plus, they are now physically signing off that they have received and reviewed the criteria, which helps protect you down the line if there is ever a violation in the future.

Bonus: I also include the criteria in all of my lease documentation as that is the binding contract between the two parties.  With four opportunities to review the criteria, you are operating from a position of strength as a responsible and fair housing provider.

If you haven’t created a unique, well-defined criteria for each of your properties, I urge you to take the time to do that now.  If you do have a criteria, please review it with your legal advisor to make sure it is current and in compliance with any new rules or laws.  And once you have a clear and comprehensive criteria in place, share it with anyone and everyone that is interested in your property.  Who knows, maybe you’ll make a new best friend in the process.

David Pickron-  David Pickron is President of Rent Perfect, a private investigator, and fellow landlord who manages several short- and long-term rentals.  Subscribe to his weekly Rent Perfect Podcast (available on YouTube, Spotify, and Apple Podcasts) to stay up to date on the latest industry news and for expert tips on how to manage your properties.

RENT PERFECT SYSTEMThe Rent Perfect system provides tools to help your buy-and-hold members work and stress less, giving them time and freedom to enjoy thefruits of their investments. We use technology to streamline the rental process, starting with the initial application and screening process, lease signing, and payment collection. Our podcasts, industry articles, and video series provide valuable, timely free education. BREIA MEMBER DISCOUNTREIA Members can create a Rent Perfect account for a one-time fee of just 95 cents using your referral link. The applicants can pay the rental applicationfee, giving your members access to time and money-saving tools for less than a dollar. See full pricing details in the services section of this packet.Members must sign up using the National REIA referral link to get the discount.

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https://bostonrealestateinvestorsassociation.com/?p=12386

Remember that scene in "Mission: Impossible" when they make a voice sample of their target by having them read a set of sentences so they can work up an entire voice match? They then use that to disguise their own voice while they're wearing the mask of the person they are impersonating. (now that I think about it, it isn't just one scene, they do it a lot!) Anyway... What if you could do the same? Especially when leaving voicemails for motivated sellers that didn't answer their phone? It would really speed you up. Because you'd be skipping the mundane part of leaving the same-old message yet again for the umpteenth time, and you'd be able to move on quicker to tasks that actually produce better results for you. Enter DealMachine. It has this very slick Mission: Impossible style functionality. How? You make a sample of your voice, and then when a motivated seller doesn't answer your call, the DealMachine AI system automatically produces a customized message and leaves it on their voicemail. Yes, a CUSTOMIZED voicemail saying their name and address that will get their attention, not just a generic message that would get ignored. All without any additional time-consuming work on your part. Awesome? We certainly think so. And it's one of the many cool things included for you to use during your 7-day no-cost trial. Simply go here:National REIA's Special DealMachine 7-Day Trial

https://www.dealmachine.com/nreia
https://bostonrealestateinvestorsassociation.com/applying-tom-cruises-mission-impossible-antics-into-your-business/

Experience the Vibrant Street Food Culture of Lahore, Pakistan

Are you ready for a culinary adventure? Join us as we take you on the ultimate street food tour of Lahore, Pakistan! Known for its amazing street food scene, Lahore offers a wide variety of delicious dishes that will tantalize your taste buds. From spicy chicken to mouthwatering snacks, we will show you the best of what Lahore has to offer.

Our first stop is Phajja Siri Paya, a famous Pakistani street food restaurant. Here, you'll get to try the renowned GOAT foot stew, a dish that is bursting with flavors. Prepared with spices, desi ghee, and masala, this stew is served with hot naan straight from the oven. It's a truly unforgettable experience that you must try!

Next, we'll take you to a local breakfast street food stall in Lahore, where you can savor the classic Chenna and poori. This dish features a delicious chickpea curry served with coriander seed, cilantro, and Pakistani pickles. Pair it with a cup of Pakistani tea for the perfect start to your day.

As we continue our street food journey, we'll discover some of the best street desserts and fruit chaat in Lahore. These sweet treats are guaranteed to satisfy your cravings and leave you wanting more. Don't forget to try the famous Pakistani street food beetroot drink, a refreshing and unique beverage that is a must-try.

To end our day on a high note, we'll visit a renowned TAWA Chicken joint. Unlike chicken tikka, this is the hardcore Pakistani chicken that is marinated with green chili, coriander, lemon, and cooked on a large tawa grill. The flavors are intense, and the dish is a true representation of the rich culinary heritage of Lahore.

If you're planning a trip to Pakistan, make sure to include Lahore in your itinerary. The city's street food scene is a food lover's paradise, and you could spend a lifetime exploring its culinary delights. From traditional dishes to innovative street food creations, Lahore has something for everyone.

Join us on our street food adventure in Lahore and discover the incredible flavors that Pakistan has to offer. Our videos will give you a taste of the vibrant street food culture and leave you craving for more. Don't miss out on this gastronomic experience of a lifetime!

Thank you for watching our Pakistani street food videos. If you enjoyed them, be sure to check out more of our content. We have a whole series dedicated to exploring the street food scene in Pakistan, so get ready for a feast for your eyes and taste buds.

Experience the mouthwatering delights of Pakistani street food and immerse yourself in the rich culinary heritage of Lahore. Whether you're a food enthusiast or just curious to try something new, our videos will take you on a culinary journey like no other.

So, what are you waiting for? Join us as we explore the vibrant street food culture of Lahore, Pakistan. Get ready for a playlist of a lifetime filled with delicious flavors, unique dishes, and unforgettable experiences.

https://www.youtube.com/@adventuretravelguides

Editorial Note: All opinions, reviews, and recommendations are expressed by the author.

In the list below, you will find links to all the assets we have used, including footage, music, and elements. We believe in transparency, and it is important to note that some of the links included are affiliate links. This means that if you choose to make a purchase through these links, we may receive a small commission at no additional cost to you. Your support is greatly appreciated, as it helps us continue creating engaging content.

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When it comes to accommodations, I suggest booking your hotel through this link to secure the best rates. And for discounted attraction tickets, make sure to use the link for cheap attraction tickets that I have included.

In addition to travel content, I also enjoy reading and have compiled a list of book recommendations. These titles cover a range of topics, including personal development, geography, and habits. They are worth checking out if you're looking for some stimulating reading material.

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To ensure a comfortable and organized travel experience, I recommend investing in a reliable backpack, travel yoga mat, and hiking boots. These essentials will enhance your overall travel experience and travel with ease. Check out our online shop for the best travel products.

https://investingtravels.com/category/travel-products/

And of course, no trip to would be complete without the right travel accessories. The Universal Travel Adapter is a must-have for any globetrotter, ensuring you can charge your devices no matter where you are in the world.

⚠️ Disclaimer Affiliate Disclosure: InvestingTravel.com uses affiliate links. We may receive compensation if you use our links.  This compensation does not impact how or where products appear on this site. (at no additional cost to you) if you click and MAKE a purchase on one of the product links; It would be greatly appreciated if you did!   InvestingTravels.com has not reviewed all available credit card offers on this site.

⚠️ Copyright Issue: If you find any of your copyrighted material in this video, please leave us a message so we can resolve the issue within 24 hours.

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https://investingtravels.com/food-travel/exploring-the-vibrant-street-food-scene-of-lahore-pakistan-from-mouth-watering-chicken-delicacies-to-exotic-goat-foot-paya/

Heading to Thailand? Don't forget these 10 essential items!
Join me as I share my top recommendations based on my extensive experience traveling to this incredible country. From health and safety to comfort and convenience, I've got you covered. Say goodbye to generic adapters and flimsy ponchos; I'll introduce you to products that actually work. Don't miss my special mention of the must-have RFID blocking wallet and portable language translator.
https://investingtravels.com/travel-news/essential-items-you-shouldnt-forget-when-traveling-to-thailand/

In this article, we provide 20 tips for saving money while traveling. These tips cover various aspects such as saving on hotels, budget travel tips, and ways to save on food expenses while on the road. We offer advice on traveling on a budget, including tips on how to travel inexpensively and find cheap flights.

For those interested, we recommend our favorite travel insurance and essential travel gadgets such as a drone, camera, vlogging camera, microphone, and mic stand.

Here are some of the tips we cover in the video:
- Travel during the off-season
- Fly during off-peak times
- Use budget airlines
- Avoid buying souvenirs
- Eat local food
- Use travel-friendly cards
- Consider getting an Agoda membership
- Rent a home instead of staying in a hotel
- Make use of the kitchenette in your accommodation
- Book in advance to get the best deals
- Save on car rentals
- Travel at a slower pace
- Walk instead of using transportation
- Avoid using the mini bar in your hotel room
- Have a big lunch instead of dinner
- Visit free attractions
- Choose destinations that are budget-friendly
- Stick to a travel budget
- Collect hotel points for future stays
- Consider using airport lounges for added comfort and amenities.
https://investingtravels.com/travel-guides/20-money-saving-tips-for-traveling/

From countries with 76% of people living in poverty to others plagued by civil wars and corruption. Today on Across the Globe, we’re going to be exploring The Worst Countries to Live in The World.
https://investingtravels.com/travel-trends/worst-countries-to-live-in-the-world/

Safest Countries to Live in the World 2024
In todays day and age it may feel like nowhere is safe anymore, with conflict almost everywhere you look, you may be wondering if there are any countries that are actually still considered safe. Well, today on Across the Globe we’re going to be looking at the safest countries to live in the world for 2024.
#Safestcountries #Acrosstheglobe
https://investingtravels.com/travel-trends/top-safest-countries-to-reside-in-2024/

Here are some essential tips to keep in mind before traveling to Cape Town, South Africa. These include the best time to visit, transportation options to and around the city, typical prices you can expect, as well as money-saving tips for those on a budget. Additionally, we provide a list of recommended things to do in Cape Town to help you plan your trip effectively.

For those looking for accommodation options, we suggest checking out the Perfect Beach Apartments, VRede Apartments, and Vesper Apartments, which offer great stays in Cape Town.

We also include some useful affiliates, links, and resources such as Epidemic Sound for music, recommended travel insurance, and equipment suggestions for cameras, drones, and microphones.

If you have any questions or need more details, feel free to drop a comment below our videos.

Lastly, the video includes chapters covering various aspects of visiting Cape Town, from the best time to visit and getting around the city to typical prices, cost-saving tips, and the best things to do while in Cape Town. The video also features attributions for footage used from various creators showcasing different aspects of Cape Town, such as its scenic drives, transportation options, and popular tourist spots.
https://investingtravels.com/travel-guides/important-things-to-know-before-visiting-cape-town/

https://www.youtube.com/watch?v=dkiwxHJVxPw
https://bostonrealestateinvestorsassociation.com/boston-real-estate-market-is-about-to-explode/

Hey there, fellow travelers! If you're itching for an adventure that’s a bit off the beaten path, let me take you on a journey to Zimbabwe—a place that's all about stunning landscapes, rich culture, and some of the friendliest people you’ll ever meet. Trust me, once you’ve dipped your toes into Zimbabwe, you’ll wonder why you didn’t visit sooner. So, grab a cup of coffee (or a safari hat), and let’s dive into everything you need to know for an unforgettable trip!

Getting Ready for Your Zimbabwe Adventure

Passport and Visa? Check!

First things first, make sure your passport is good to go—meaning it’s got at least six months left on it and a couple of blank pages for those all-important stamps. Depending on where you’re from, you might need a visa. The good news? Many of us can snag a visa on arrival. But, it’s always smart to double-check online. If you’re a planner like me, you can even apply for your visa online before you go. Easy peasy!

What to Pack

Zimbabwe’s climate can be a bit of a mixed bag, so pack smart:

- Dry Season (April to October): Think layers—cool mornings, warm days. A light jacket will be your best friend.

- Wet Season (November to March): Go for breathable, quick-dry clothes. And don’t forget a waterproof jacket because those rains can sneak up on you!

Also, toss these in your bag:

- Sunglasses and sunscreen (the sun can be fierce!)

- Insect repellent (especially if you’re hitting malaria-prone areas)

- Comfy walking shoes or hiking boots (your feet will thank you)

- A small first aid kit and any meds you need

Don’t Skip Travel Insurance

Travel insurance might not be the most exciting part of planning, but it’s super important. Imagine needing a medical evacuation—yikes! Make sure your insurance covers that, plus any adventure activities you plan to do (like bungee jumping or white-water rafting). Better safe than sorry, right?

Touchdown in Zimbabwe

Navigating the Airports

Landing in Zimbabwe is a breeze, whether you’re flying into Harare or Victoria Falls. Harare’s Robert Gabriel Mugabe International Airport is your typical bustling city airport with all the basics—ATMs, shops, and a few places to grab a bite. Victoria Falls International is a bit smaller but super charming, with plenty of taxis and shuttle services to get you to your hotel.

First Impressions

From the moment you step off the plane, you’ll feel the warmth—literally and figuratively! Zimbabweans are some of the friendliest folks you’ll meet, always ready with a smile and a helping hand. Harare has that busy city vibe, but Victoria Falls? It’s all about nature and relaxation. Either way, you’re in for a treat.

Where to Stay: From Luxe Lodges to Cozy Homestays

Hotels and Resorts

Whether you’re looking to splurge or save, Zimbabwe’s got you covered:

- Luxury: You can’t go wrong with Victoria Falls Hotel—it’s got that old-school colonial charm and stunning views of the falls. Or check out Amanzi Lodge in Harare if you’re after something boutique and beautiful.

- Mid-Range: Places like Cresta Lodge in Harare or Ilala Lodge in Victoria Falls give you great value without skimping on comfort.

- Budget: If you’re watching your wallet, Victoria Falls Rest Camp is a solid pick. Or try Backpackers Lodge in Harare for a more laid-back vibe.

Local Homestays

Want to really get to know Zimbabwe? Stay with a local family! It’s a fantastic way to experience everyday life, try homemade meals, and learn about the culture firsthand.

- Shearwater Village: Close to the action in Victoria Falls, and you get to live with locals! Shearwater Village

- Homestay Harare: Perfect for a more personal experience in the capital. Homestay Harare

- Gogo Olive Homestays: Located in the peaceful Eastern Highlands, and it’s all about community. Gogo Olive Homestays

Exploring Zimbabwe: The Best Bits

City Guides

- Harare: The capital’s got a cool mix of modern and traditional. Don’t miss the National Gallery for some incredible art, or wander through Mbare Market to get a real feel of local life.

- Bulawayo: This city is a gateway to some amazing history and natural beauty. Check out the Natural History Museum or head to Matobo National Park for epic rock formations and ancient rock art.

- Victoria Falls: Of course, the falls themselves are the main attraction, but don’t miss out on a Zambezi River cruise or a walk across the iconic Victoria Falls Bridge.

- Eastern Highlands: If you love hiking, this is your spot. Trails here will take you through misty mountains, past waterfalls, and into some truly breathtaking landscapes.

Hidden Gems

Beyond the big attractions, Zimbabwe is full of surprises:

- Gonarezhou National Park: A bit more off the beaten path, but if you’re after wilderness and wildlife, this place is amazing.

- Chinhoyi Caves: These stunning caves are perfect for a bit of underground exploration.

- Mana Pools National Park: Walk, canoe, or just sit and soak up the scenery in this UNESCO World Heritage site.

- Mavuradonha Wilderness: Ideal for those who love hiking and getting away from it all.

Cultural Insights

Zimbabwe’s culture is vibrant and full of life, with music and art at its heart.

- Mbira Music: This traditional music, played on a thumb piano, is hauntingly beautiful. If you get the chance to hear it live, don’t miss it!

- Festivals: HIFA in Harare is one of the biggest arts festivals in Africa, and the Jikinya Dance Festival celebrates traditional dances from all over the country.

- Local Customs: Always greet people politely, dress modestly in rural areas, and ask before taking photos of locals.

Tasting Zimbabwe: Food and Drink

Local Delicacies

Zimbabwean food is all about hearty, flavorful dishes that stick to your ribs in the best way possible.

- Sadza: This maize porridge is a staple—think of it as Zimbabwe’s answer to mashed potatoes, usually served with veggies and meat.

- Mopane Worms: Not for the faint-hearted, but if you’re adventurous, give these little critters a try!

- Kapenta: Tiny, dried fish that pack a punch, usually served with sadza.

- Nyama: Grilled meat, often beef or goat, but you might find game meats like kudu or impala if you’re lucky.

- Dovi: A creamy peanut butter stew that’s comfort food at its finest.

- Chibuku: A traditional beer made from sorghum—an acquired taste, but worth trying for the full experience.

Dining Etiquette

Zimbabwean dining is all about sharing and community.

- Greetings: Always greet everyone at the table before digging in.

- Eating with Hands: It’s common, especially with dishes like sadza. Wash your hands beforehand!

- Tipping: Leave about 10% at restaurants—much appreciated!

Outdoor Adventures: Get Out and Explore!

Hiking and Nature Trails

If you’re an outdoorsy type, Zimbabwe’s got trails that’ll take your breath away.

- Mount Nyangani: The highest peak in Zimbabwe—perfect for a challenging hike with killer views.

- Chimanimani Mountains: Rugged, remote, and absolutely stunning.

- Mtarazi Falls and Skywalk: Africa’s second-highest waterfall, plus a skywalk that’ll give you goosebumps.

- Matobo Hills: Home to ancient rock art and incredible granite formations.

Water Activities

Zimbabwe isn’t just about land adventures—the water’s pretty awesome too!

- Victoria Falls: From white-water rafting to canoeing on the Zambezi, the adrenaline rush is real.

- Lake Kariba: Fancy some fishing? Try your luck with tiger fish or relax on a houseboat cruise.

- Chinhoyi Caves: Go diving in these crystal-clear, underwater caves—seriously cool.

- Eastern Highlands: River tubing in the lush, green mountains—what’s not to love?

Immerse Yourself in Zimbabwe’s Art and Culture

Museums and Galleries

Zimbabwe’s art scene is vibrant, with a mix of traditional and contemporary.

- National Gallery of Zimbabwe: A must-visit for anyone interested in African art—right in the heart of Harare.

- Zimbabwe Museum of Human Sciences: Dive deep into the country’s history and anthropology.

- Natural History Museum of Zimbabwe: Head to Bulawayo for this gem, packed with wildlife exhibits.

- Chapungu Sculpture Park: Discover Zimbabwe’s world-famous Shona stone sculptures in a beautiful garden setting.

Local Art Scene

Art’s not just in the galleries—it’s all over the streets and in the villages.

- Street Art in Harare: The city’s murals and graffiti tell the story of its people. Take a stroll and soak it all in.

- Tengenenge Art Community: Visit this artist village and see Shona stone sculptures being created right before your eyes.

- First Floor Gallery Harare: Contemporary art fans, this one’s for you—a vibrant space showcasing emerging Zimbabwean artists.

Nightlife and Entertainment

Live Music and Performances

Zimbabwe’s nightlife isn’t just about clubs—live music is a huge part of the scene.

- The Book Café (Harare): A legendary spot for live music, theater, and poetry—there’s always something happening here.

- HIFA: If you’re in Harare during the festival, don’t miss it—it’s one of the biggest arts festivals in Africa.

- Jazz 24/7 (Harare): For jazz lovers, this is the place to be—smooth tunes in a cozy setting.

Nightclubs and Bars

Ready to dance the night away or just chill with a drink? Zimbabwe’s got you covered.

- Club Connect (Harare): The place to be if you’re looking for a high-energy night out.

- Private Lounge (Bulawayo): A popular spot with a great mix of music and a lively atmosphere.

- Tin Roof (Harare): A more laid-back vibe, perfect for starting your night out.

- The Deck (Victoria Falls): Sip your cocktail while watching the sunset over the African bush—pure magic.

Shopping and Souvenirs: Take a Piece of Zimbabwe Home

Local Markets

Zimbabwe’s markets are where the action is—colorful, lively, and full of unique finds.

- What to Buy: Shona stone sculptures, wooden carvings, vibrant textiles, and handmade jewelry.

- Popular Markets: Mbare Musika and Avondale Flea Market in Harare, and Elephant’s Walk in Victoria Falls.

- Bargaining Tips: Start low, be friendly, and carry small bills. Bargaining here is an art!

Shopping Malls and Boutiques

If you’re after a more modern shopping experience, Zimbabwe has some great spots.

- Sam Levy’s Village (Harare): A charming shopping village with a mix of local and international stores.

- Joina City (Harare): Right in the city center—perfect for fashion, electronics, and more.

- Village Walk (Victoria Falls): Small but packed with art, crafts, and souvenirs.

- PPC Shopping Centre (Bulawayo): A convenient stop for all your shopping needs in Bulawayo.

Travel Tips and Safety: Stay Smart and Safe

Local Transportation

Getting around Zimbabwe is pretty straightforward once you know the ropes.

- Domestic Flights: Quick and convenient for hopping between cities.

- Car Rentals: Ideal for those who like to explore at their own pace. Just remember, they drive on the left!

- Public Buses: Cheap but can be crowded—good for short trips if you’re on a budget.

- Taxis and Ride-Sharing: Widely available in cities—just make sure you’re using a licensed service.

- Train Travel: Slow but scenic—worth it if you’ve got time to spare.

Health and Safety

A few tips to keep you healthy and safe on your travels:

- Vaccinations: Get your shots for hepatitis A, typhoid, and malaria. And stick to bottled or boiled water.

- Medical Facilities: Private hospitals in Harare and Bulawayo are your best bet. Make sure your travel insurance covers medical emergencies.

- Safety Tips: Zimbabwe is generally safe, but it’s always good to stay alert. Avoid political gatherings and be cautious with your belongings in crowded areas.

- Emergency Contacts: Keep important numbers handy—like the police (999), medical services, and your embassy.

Responsible Travel: Make a Positive Impact

Sustainable Practices

Traveling responsibly isn’t hard—it just takes a bit of thought.

- Minimize Waste: Ditch the single-use plastics and carry a reusable water bottle.

- Conserve Resources: Short showers and turning off electronics help conserve water and energy.

- Respect Wildlife: Always follow the rules in parks and choose ethical wildlife experiences.

- Support Local Businesses: Shop local, eat local, and stay at eco-friendly lodges.

Supporting Local Communities

Giving back to the communities you visit makes your trip even more meaningful.

- Engage with Culture: Learn about local traditions, support local artists, and be respectful of customs.

- Volunteer or Donate: Look for reputable volunteer opportunities or donate to local causes.

- Support Social Enterprises: Buy Fair Trade products and dine at local eateries—every little bit helps!

Wrapping It Up

Zimbabwe is a country that’s bursting with beauty, culture, and adventure. Whether you’re exploring the majestic Victoria Falls, hiking through the Eastern Highlands, or diving into the vibrant local culture, this is a place that will leave a lasting impression. So, go ahead—pack your bags, immerse yourself in everything Zimbabwe has to offer, and make memories that will stay with you long after you’ve returned home.

Appendix: Handy Info

Useful Phrases

A few words in the local languages (Shona and Ndebele) can go a long way:

- Shona:

- Hello: Mhoroi / Mhoro

- Thank you: Mazvita / Tatenda

- Goodbye: Sara zvakanaka

- Ndebele:

- Hello: Salibonani / Sawubona

- Thank you: Ngiyabonga

- Goodbye: Hamba kahle

Emergency Contacts

Keep these numbers close just in case:

- Police: 999 or 995

- Medical Emergency: 999 or your nearest hospital

- Fire Department: 999

- Ambulance Services: MARS Ambulance Services – +263 4 771 221

- Tourist Police (Victoria Falls): +263 13 42380

- Major Hospitals:

- Harare: Parirenyatwa General Hospital – +263 4 707 678

- Bulawayo: Mpilo Central Hospital – +263 9 72931

- Victoria Falls: Victoria Falls Hospital – +263 13 42348

Safe travels, and enjoy every moment of your Zimbabwean adventure!

- Victoria Falls

- Hwange National Park

- Zimbabwe safari

- Great Zimbabwe Ruins

- Matobo National Park

- Mana Pools National Park

- Zimbabwean culture

- Zimbabwean cuisine

- Lake Kariba

- Eastern Highlands Zimbabwe

- Gonarezhou National Park

- Ndebele culture

- Shona people

- Zimbabwe adventure sports
https://investingtravels.com/africa/zimbabwe/travel-guide-to-zimbabwe-a-land-of-majestic-wonders-and-unforgettable-adventures/

What's cold to you? 20 degrees fahrenheit? 0? -5? Well chances are whatever number you have in mind would be considered a nice day in the places we’re about to talk about. With temperatures averaging -41 degrees fahrenheit in the winter in some of these places, if your car breaks down in the wrong part of town it truly could be life or death. Today on Across the Globe we’re going to be looking at the coldest places on earth that people actually live in – and the lifestyles of those who live there.

#Cold #Coldplaces #Coldestplaces #Winter #Acrosstheglobe
https://investingtravels.com/travel-news/the-cities-with-the-lowest-temperatures-in-the-world-reaching-61f/

The Commerce Clause Loophole

Not to belabor an old government class point on the Constitution, but the original intent of the Commerce Clause was to assist the federal government in smoothing over state-to-state conflicts, fostering interstate business transactions. James Madison, in Federalist Paper #42, advocated for a broad interpretation of the Commerce Clause, favoring a larger and more impactful role for the federal government. In 1824, Chief Justice John Marshall (Gibbons v Ogden) codified this expansionist trend.

However, nearly two hundred and fifty years later, there is a growing consensus within the Supreme Court that the Commerce Clause needs to be reconsidered in light of its original intent. This shift towards a narrower reading of the Constitution will be reflected in cases like Chevron Deference and other key cases limiting future federal government growth. Quietly, people are asking when the Sherman Antitrust Act will challenge tech giant dominance.

"No man's life, liberty, or property are safe while the legislature is in session."- Mark Twain

Reach Out and Touch Someone

Outreach to Candidates Running for OfficeThe most impressionable season for the next 2 to 6 years is upon us. The next three months are the absolute best time to engage with candidates about their positions on issues. A candidate is never more amenable to a different perspective than when they are running for office and addressing the concerns of a constituent. Someone will win each race. Please ensure you are doing your part as a member of the real estate industry by participating in local races. A small investment of time and money can help build a relationship that may be critical in the next several years.

Cashiering the Regulatory State

The Death of the “Chevron Deference”The recent demise of the "Chevron Deference" stems from two separate lawsuits that were combined to address the broader ambiguity of bureaucratic rule-making in the executive branch. National REIA will provide greater insight into this issue in future articles. However, for now, note that the bureaucracy's wings were just clipped, shifting greater responsibility to a legislative branch that has been shirking its duty for quite some time—some would say since 1946, when the initial Administrative Procedures Act (APA) was established. The APA allows for public comment on rule-making, a process now facing renewed scrutiny.

Virtue Signaling

The Perils of Virtue Signaling by PoliticiansVirtue signaling by politicians who cannot seem to help themselves when it comes to attacking and demonizing their opponents doesn’t pass the smell test. Remember, if an elected official is willing to throw the worst invectives at their opponent or opposition, what will they say about you and your industry when you are not around? Who will they appease when sacrificing you? As Americans, we can raise the bar on disagreement. We do not have to be disagreeable, something we see exemplified in the common man in the form of road rage. Nor do we need to dehumanize those we disagree with at this moment. If politics truly is about the art of the possible, let’s not limit ourselves or allow our representatives to degrade our civil discourse.

Location, Location, Location!

The Importance of Regional Differences in the Housing MarketAs the U.S. economy navigates through a housing distribution issue and an inconsistent growth pattern, opportunities will vary by region. Consistent with several data sites, National REIA’s own Homeworthi reports reflect overproduction in Texas and Florida, resulting in price drops and vacancy rate increases. Now is the time to exercise caution—National REIA encourages investors not to project their local economy onto another part of the country. Location matters more than ever! In contrast to most major southern metropolitan areas, significant parts of the Midwest and Northeast are still in short supply of housing, with limited rental supply and stagnation as newer product is brought online. Additionally, overall rents are stagnating after recent increases, while insurance companies and their prices are still trying to catch up. Market due diligence is critical at this phase!

Stay Informed

Stay Up to Date with Industry NewsStay up to date with current industry news and updates by visiting RealEstateInvestingToday.com. Likewise, visit NationalREIA.org/advocacy to stay informed about current legislation and governmental actions.

"We have two ears and one mouth so that we can listen twice as much as we speak."
https://bostonrealestateinvestorsassociation.com/?p=12235

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