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HOW TO THRIVE IN A RECESSION

06/07/202321/04/2025dansa

As we find ourselves on the brink of an economic downturn, it’s normal to be experiencing a little anxiety. The headlines are dominated by news of job losses, syndication deals not meeting projections, and businesses closing up shops, all painting a pretty grim picture of the financial landscape.

The fear many have in times of economic uncertainty often stems from not knowing the future. However, history has shown that those with the right mindset and strategy can succeed during these downturns. Some even look forward to such challenging times with excitement and optimism.

I believe that as a community, we can do better.

We can choose to face these challenges bravely. The key is not just surviving a recession, but to thrive by having a healthy mindset that embraces challenges and perceives this season not just as a crisis, but as an opportunity.

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1. Recognize the Reality: Embrace the Economic Winter

Last year the GDP showed multiple quarters of negative growth. The last few months have seemed split – tons of negative news and at the same time showing some positive signs (S&P 500 approaching a fresh 52-week high).

The Most Affordable Beach Towns for Homebuyers in 2023, According to Realtor.com

13/05/202321/04/2025dansa

The results range from spots in Connecticut to California.

<p>Getty Images/Barry Winiker</p> — Getty Images/Barry Winiker

It’s time to start daydreaming about a coastal lifestyle, because Realtor.com just released a list of the most affordable beach towns of 2023. Beach homes are often associated with wealth and luxury—and understandably so, as beach towns and cities account for some of the most expensive real estate in the country. However, there are some beach towns where the cost of buying a home is on par or even lower than the national average. For reference, as of 2022, the average home price in the US was $348,079 (which is up 29 percent since 2020)—and the median home price for the majority of the towns on Realtor.com’s list is lower than that.

In order to compile the list, the data team at Realtor.com, including data journalist Evan Wyloge, started with a federal listing of beaches and their locations. The team then aggregated Realtor.com listing data for every home put on the market in the past year located within a 1-mile radius of each beach and selected the most affordable beach towns by price per square foot. (The most affordable on the list comes in at $144 per square

Avoid These Top 5 Financial Mistakes for Smart Money Management in 2023

27/04/202321/04/2025dansa

No one likes making mistakes, especially when they can be costly. I know that you likely share my perfectionist tendencies and are often averse to taking risks. As physicians, we are trained to carefully consider the risk-benefit ratio before making any decision because we know the consequences of making a costly mistake. While mistakes are inevitable in some aspects of our lives, we must be conscious of and deliberate in avoiding financial mistakes, as they can be detrimental to our financial well-being, and they can have significant consequences.

As an anesthesiologist, I understand the importance of minimizing mistakes, and I’ll do everything in my power to prevent them from happening. While some financial mistakes may seem obvious, such as not spending more than you earn, or hiding your money in your mattress, there are others that are not as apparent. By being intentional and mindful, we can set ourselves up for greater success in the future.

In this blog post, we’ll discuss the top five financial mistakes that you need to avoid in 2023 to achieve smart money management. From not diversifying your portfolio to investing in something you don’t understand, we’ll cover expert tips to help you avoid these

US man dies from stroke days after realtor found him but didn’t call for help | North Carolina

15/04/202321/04/2025dansa

A US family has demanded an investigation after its patriarch reportedly died within days of having a stroke in his home and being found but left on the floor by a real estate agent who never called anyone for help.

Loved ones of the dead man – 69-year-old Randy Vaughan of North Carolina – are raising questions about whether the realtor should have been expected to do more. The state agency that oversees realtors in North Carolina has indicated it is opening an inquiry into the case and is scheduling interviews with Vaughan’s family about his death, the Winston-Salem Journal newspaper reported Friday.

“It’s about basic decency, caring for your fellow human beings and being a professional,” Vaughan’s brother, Doug, said to the Journal.

The realtor, for her part, reportedly told the Journal she has “an attorney involved” and has “no liability”.

According to the Journal, the Vaughans became worried when they didn’t see or hear from Randy on his grandson’s birthday. His daughter, Heather, drove to his home on 14 February and didn’t see his truck in the driveway, so she called authorities to check whether he was at a weekend house along High Rock Lake that he was

Outlook 2023: Western Massachusetts Realtors say home sales market is becoming ‘more realistic’

02/03/2023dansa

It’s the American dream – owning your own home.

But for some, that dream may take a little longer as rising mortgage rates put their dreams on hold in a market that is low on inventory as fewer people put their homes up for sale – all resulting in falling home sales.

The numbers from the National Association of Realtors have not been encouraging.

“In essence, the residential real estate market was frozen in November, resembling the sales activity seen during the COVID-19 economic lockdowns in 2020,” said the association’s chief economist, Lawrence Yun. “The principal factor was the rapid increase in mortgage rates, which hurt housing affordability and reduced incentives for homeowners to list their homes. Plus, available housing inventory remains near historic lows.”

To put the local market into perspective, the Realtor Association of Pioneer Valley, in its mid-January report of single family home sales for December showed a 36.8% drop year-over-year from 601 sales in December 2021 to 380 in 2022.

“2022 started off as an overheated market, where people would put their house up for sale and expect multiple offers, some having over the price, resulting in the house selling quickly. But the second half of

Realtors: With the pandemic boom behind us, the market is now leveling out and stabilizing

26/02/2023dansa

Everyone seems to be talking about the real estate market and speculation is high about where the market is headed in 2023.

During the COVID market from 2020 through early 2022, the housing market seemed to explode. People were spending more time than ever on their homes, and quickly realized that their homes didn’t meet their current needs.

Working from home became a reality; suddenly every buyer needed a home office.

Faced with the unknown job market, families also looked to downsize to secure affordability. This saturated the market with buyers, causing increased sales prices and low inventory.

From the seller’s perspective, things were positive. The number of days on the market was very low. Buyers were plentiful and paid over the listing price to secure the winning bid. This resulted in soaring property values.

With the COVID market behind us, buyers and sellers are worried about where the housing market is headed.

The market we see today has adjusted and is a steady, strong market. According to the Northeast Florida Association of Realtors, last month there were 1,583 closings; this is down 38.4% from December 2021.

However, while the number of closings dropped, comparatively from December 2021 to December

Journal Club 01-20-23 – Passive Income MD

21/01/2023dansa

Here’s Journal Club 01-20-23! Every week, I hold a JOURNAL CLUB. After filtering through the articles on the web, I present a few that impacted my life this week. Be safe and stay well!

When it comes to investing in your child’s education, the most common option chosen by many parents is the 529 plan. There’s nothing wrong with it except that it may not be the most effective way to save for college… So, are there any other options? Fortunately, there’s more than one way to do it, and The White Coat Investor shares more about his preferred method of saving for college in the article – How to Use Real Estate to Pay for College.

Are you familiar with a Donor Advised Fund (DAF)? The concept behind a DAF is to set up an account to transfer funds today, which can be utilized for charitable donations in the future. Per the author of Physician in Numbers, you can also invest this money to be able to donate higher than what you put aside. Now that’s something! Curious to learn more about a donor-advised fund and if this could be a beneficial strategy for you? The author covers