Wellness Promotion: Integrating Green Tea into Daily routine

Every morning, if I have my choice I’m having a cup of Green tea. The health benefits are great, and it’s a great way to start the day with giving the body and mind a boost.  Check out how green tea helps the body below!

Green tea, including sencha and matcha, offers a variety of health benefits due to its rich content of antioxidants, vitamins, and other beneficial compounds. Here are some of the key benefits:

Sencha

1. Rich in Antioxidants: Sencha is high in catechins, particularly epigallocatechin gallate (EGCG), which help reduce oxidative stress and inflammation. This can be great because many Americans and people in general consume food that increase inflammation (fast foods, carbohydrates and alcohol). So, combating this with green tea can help. Not to mention STRESS, now a days it seems like it comes with the territory or striving for more. Consume TEA! Green tea. 
2. Boosts Metabolism: The catechins in sencha can help increase metabolism and support weight loss efforts. Hey, who wouldn’t want to enjoy life in our best shape? 
3. Enhances Heart Health: Regular consumption of sencha can help lower LDL cholesterol levels and improve overall heart health. 
4. Improves Mental Alertness: The caffeine and amino acid L-theanine in sencha can improve mental focus and concentration. 
5. Supports Immune System: The antioxidants and vitamins in sencha, such as vitamin C, help boost the immune system.
6. Aids Digestion: Sencha can aid in digestion and reduce the risk of gastrointestinal disorders.

Matcha

1. High in Antioxidants: Matcha contains a higher concentration of antioxidants than regular green tea, including a high amount of EGCG.
2. Calm Energy Boost: Matcha provides a balanced energy boost due to its combination of caffeine and L-theanine, promoting alertness without the jittery effects of coffee.
3. Detoxifying Properties: Matcha is rich in chlorophyll, which helps detoxify the body and remove harmful toxins.
4. Enhanced Weight Loss: The catechins in matcha can help increase fat oxidation and promote weight loss.
5. Improves Cognitive Function: The L-theanine in matcha enhances brain function, improves memory, and promotes relaxation.
6. Supports Heart Health: Matcha can help lower cholesterol and blood pressure, contributing to better cardiovascular health.
7. Boosts Immune System: The vitamins, minerals, and antioxidants in matcha support the immune system and overall health.
8. Promotes Healthy Skin: The antioxidants in matcha can improve skin health and reduce the signs of aging.

Consuming sencha and matcha green tea are great choices for incorporating a healthy diet, each offering unique benefits based on their preparation and concentration of beneficial compounds. Right now, you can get 3-4 months of Organic green tea from Costco for about $15. Make the investment. 

Estate Planning Essentials for California Property Owner

Key Takeaways from Importance of Estate Planning:

• Ensures assets are passed down according to your wishes.
• Avoids the lengthy and costly probate process, especially crucial for California property owners.
1. Living Trust vs. Probate:
• Living Trust: Helps avoid probate. Ensures real estate is included in the trust.
• Probate: Necessary if there's no living trust, requiring court involvement. Nearly $50,000 in fees for a $1 million home can be expected.
2. Roles and Responsibilities:
• Executor: Named in a will, responsible for managing the estate.
• Personal Representative: If someone dies intestate (without a will), the court appoints a representative.
• Executors need court-issued letters to act and notify all beneficiaries of probate proceedings.
3. Best Practices for Property in Probate:
• Engage an attorney promptly to manage the process and fees effectively.
• Executors should seek full authority to sell property with court approval, streamlining the process.
4. Trusts Simplify the Process:
• Trusts have a fiduciary duty to all beneficiaries, ensuring property is sold at fair market value.
• Scenarios like transferring property after a parent's death require an affidavit of death and a successor trust deed.
5. Legal and Financial Considerations:
• Life estates can't encumber property; pre-arranged beneficiary consents can facilitate sales.
• An attorney can help obtain an appraisal instead of a Comparative Market Analysis (CMA), as the IRS requires appraisals for capital gains purposes.
• Estates valued over $13.6 million are subject to estate taxes under Prop 19.
6. Property Appraisal and Tax Implications:
• "Date of death evaluation" appraisals are crucial for capital gains tax calculations.
• The first $250,000 gain is excluded under the 121 exclusion.
• Reassessments occur when property is transferred to an irrevocable trust, affecting tax bases.
7. Debt and Estate Settlement:
• Credit card debt and other obligations are settled from the estate, not by beneficiaries.
• Insolvent estates allow beneficiaries to walk away from debts.
• Notifying creditors promptly initiates the statute of limitations, protecting the estate.

Summary: Proper estate planning, particularly through the use of living trusts, can save significant time, money, and stress for your beneficiaries. Ensuring your real estate is included in a trust and seeking professional legal and financial advice can help navigate the complexities of estate management and probate.

How one can leverage DSCR Loans

Debt service covered ratio loans can help investor qualify for their dream property, here's what we know about them.

DSCR loans are designed for investors who might not qualify for traditional loans. Key features include:

1. Property-Based Qualification: Approval is based on the property’s ability to generate rental income to cover loan payments, not the borrower’s personal income or employment history.
2. Down Payment and Coverage: A 25% down payment is required. The property must have a DSCR of 1.0 or higher, meaning rental income must cover the mortgage.
3. Ideal for Investors: These loans are perfect for investors with strong credit and assets but lacking traditional income documentation. First-time investors can also benefit.

Jeremiah’s Investment Journey

Jeremiah identified a promising multifamily property with strong rental potential. He took the following steps:

1. Evaluating the Property: Jeremiah ensured the property’s rental income comfortably covered the mortgage, achieving a DSCR above 1.0.
2. Securing the Loan: He approached a lender specializing in DSCR loans, prepared the 25% down payment, and provided documentation of the property’s rental income potential. The loan was approved based on the property’s cash flow.
3. Financial Planning: Jeremiah set aside 12 months of mortgage payments in reserves, using retirement accounts for additional security.

Investment vs. Second Home

Jeremiah's property is a 100% investment, with no personal use exceeding 14 days a year, distinguishing it from a second home and ensuring financing suitability.

Benefits of DSCR Loans

Jeremiah benefited from the flexibility and accessibility of DSCR loans:

1. Flexible Qualification: Qualification based on property income, not personal financial history.
2. Access to Lucrative Properties: Ability to finance multifamily properties based on rental income.
3. Wealth Building: Positive cash flow from rentals contributes to long-term wealth accumulation.

By leveraging a DSCR loan, Jeremiah successfully acquired his first multifamily investment property, opening doors for future real estate opportunities. DSCR loans offer a viable path for investors to build robust portfolios and achieve financial independence.

Conclusion

DSCR loans provide a powerful solution for real estate investors, allowing qualification based on rental income rather than personal finances. By understanding and utilizing this financing option, investors can unlock the potential of multifamily properties and achieve long-term financial success.

4o

"Elk Grove: A Tourists Delight"

The City of Elk Grove is transforming right before our eyes. Here's a outline of plans that are in the works. 

Sky River Casino

Initial Development: Construction will begin with a parking garage.
Future Plans: Plans include a hotel, conference center, and additional property acquisitions around the casino, totaling 30 acres. There is also an option to acquire over 70 acres.
Entertainment and Recreation: The site will feature a music center, water park, and is strategically located near the future zoo, which has all its approvals and is currently fundraising.
Ownership: The landowners are also the owners of Delta Shores.
Vision: The mayor envisions the Elk Grove Zoo as a major destination spot. 

Project Elevate (Elk Grove)  

Ownership: City of Elk Grove
Vision: The project aims to replicate the vibrant, urban feel of Midtown Sacramento in Elk Grove.
Developer: A developer from Southern California has been onboarded.
Construction Timeline: Groundbreaking is scheduled for 2025.

Elk Grove Housing Market

• Properties in the area are selling over the median home price of Sacramento $500,000, including bare land. However, there are currently three residential properties in the following three Elk Grove zip codes (95624, 95757 and 95758) that are selling under $500,000. I'll share those properties: 9549 Colton Ave, Elk Grove, CA 95624, 9613 Melrose Ave, Elk Grove, CA 95624, 6484 Laguna Mirage Ln, Elk Grove, CA 95758
• Many development plans have been kept under wraps, but investigative reporting by the Sacramento Journal has brought them to light.

Conclusion

The city of Elk Grove is poised for significant growth and development. From large-scale residential projects and research hubs to entertainment centers and infrastructure improvements, these developments promise to transform the area, enhancing livability and economic vitality. Keep an eye on these projects as they progress, shaping the future of the City. 

With Appreciation,

Tavon Willis 

DRE:02095751