Mindblown: a blog about philosophy.

恭喜發財. Wishing you prosperity. Lunar New Year, is the most important celebration observed in China, with cultural and historic significance.The New Year celebration is centered around removing the bad and the old, and welcoming the new and the good. Traditional activities include reunion dinner, cleaning houses, visiting family members, setting off firecrackers and fireworks, and…

Refinancing can help lower monthly mortgage payments in California’s competitive housing market. A rate and term refinance can reduce payments by securing a lower interest rate or adjusting the loan term.

California’s SB 1211 boosts affordable housing by expanding ADU options on multifamily properties, setting a national exampleSB 1211 allows up to 8 detached ADUs per multifamily property, increasing affordable housing potential.

Rising climate risks in California are driving home insurance costs to new highs, affecting housing stability. Sellers in high-risk areas are advised to offer financial credits or make climate-resilient upgrades to attract buyers.

Check if you meet the typical requirements: 620+ credit score, stable income, and consistent employment history. Look for lenders or mortgage brokers who work with non-QM wholesale lenders; they can connect you with options.

California metros dominate the US rental market, claiming 11 of the 12 highest median rents. California's rental markets are particularly impacted by high demand and limited housing availability.

California Senate Bill 1103 grants new protections to small businesses, nonprofits, and microenterprises starting January 2025. Qualified commercial tenants must provide written self-attestation of eligibility before lease execution and annually thereafter.

Sales up 4.2%, indicating moderate improvement. Prices rising 5.5%, reflecting steady appreciation.

New compliance forms for 2025: Essential updates for California landlords to navigate evolving rental regulations. Key change: AB 2747 requires landlords with 15+ units to report rental payments starting April 2025.