Tierra Portfolio Services business The Safest Places in San Diego

The Safest Places in San Diego

June 24, 2023| Tuyet| 0 Comment| 12:00 am

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San diego is one of the safest cities in America and boasts a low combined violent and property crime rate per 100,000 residents. While crimes such as robberies, pickpocketing and scams do occur occasionally, they tend to be rarer.

https://www.roofingcompanysandiego.com/where-is-the-safest-place-to-live-in-san-diego

This quiet coastal bedroom community is home to many Marine Corps Air Station residents. Residents here enjoy recreational fishing nearby downtown and the airport.

Rancho Penasquitos

Rancho Penasquitos in San Diego offers residents many amenities, from restaurants and shopping centers to medical facilities and Palomar health Medical Group's comprehensive and personalized care for the whole family. With easy access via 56 Freeway, this neighborhood provides easy access to other parts of town.

Rancho Penasquitos is provided service by the San Diego Fire-Rescue Department through their fire station located at 13393 Salmon River Road in Rancho Penasquitos.

Los Penasquitos Canyon Preserve offers walking and jogging trails perfect for walking and hiking enthusiasts, while Camino Ruiz Trail – which was recently added – boasts waterfalls and natural resources ideal for strolling through. Both these parks also host many parks offering mountain biking trails – ideal destinations for runners and mountain bikers.

Scripps Ranch

Scripps Ranch, nestled amid its fragrant eucalyptus trees, is one of the safest communities in San Diego and home to numerous successful businesses and schools. Residents choose Scripps Ranch due to its strong community atmosphere and economic advantages.

Scripps Ranch's economy is flourishing, boasting higher average household income than that of any other neighborhood in California and 95.9% of neighborhoods nationwide. According to NeighborhoodScout's estimates, average household income in Scripps Ranch stands at $1,148,592, surpassing both California median household incomes as well as 95.9% of other neighborhoods nationwide.

Attracting high incomes, this neighborhood also is culturally vibrant. For instance, there are numerous Mediterranean cuisine restaurants. Some popular eateries include Board and Brew which serves delicious sandwiches with craft brews; Yanni's serves simple yet flavorful dishes representative of its region; RomBomb Burgers and 40N Pho and Grille are other establishments that make for relaxing evening outs.

Carmel Valley

carmel Valley is an idyllic neighborhood overlooking the Pacific Ocean. Sea-weathered fir trees cling to ocean cliff sides while sparkling ocean waves break in blue-green hues against rock walls dotted with sea caves. Carmel Valley features several shopping centers and restaurants nearby and is close to Torrey Pines State Natural Reserve.

Neighborhoods here are not cheap; with median home prices reaching over $1.3 million dollars. But they are safe places, offering many activities for residents to enjoy.

It offers high-ranking schools and low crime rates, making the area an ideal place to live. Canyon Crest Academy stands out as an outstanding public elementary and middle school ranked #1 in California with its low student-to-teacher ratio and emphasis on STEM education; parents also appreciate its great programs like running club, gold medal reading club, character counts program, STREAM program as well as strong sense of community within it.

Miramar

Miramar, located in north San Diego, is home to the Marine Corps Air Station and enjoys a low crime rate. Additionally, this city hosts numerous large businesses that regularly hire new workers such as Spirit Airlines, Regal Springs Tilapia and MDLIVE – and its neighborhood offers multiple parks and preserves where residents can relax outdoors.

Egger Highlands in San Diego stands out as another safe neighborhood, boasting a crime rate that is 98% lower than the national average. Its convenient central location provides quick and easy access to military bases, shopping areas and beaches – perfect for raising a family!

Monster Mini Golf, one of TripAdvisor's top attractions in the area, offers a fun family outing. This glow-in-the-dark course is suitable for kids and adults of all ages. After enjoying Monster Mini Golf, visit Miga's Florida for delicious Argentinian steaks and barbecue before hiking around Snake Warrior Island Natural Area for bird watching or hiking adventures.

Land Loans: Everything You Need To KnowLand Loans: Everything You Need To Know

March 20, 2024| Rebecca Ramos| 0 Comment| 12:00 am

What is a Land Loan?

A land loan, also known as a plot or lot loan, is a Financial option allowing individuals to purchase a piece of land using credit. This type of loan is suitable for those who intend to acquire land without immediate construction plans. It’s important to note that land loans differ from home loans or construction loans. It can be used for both residential and business purposes.

Types of Land Loans

Land loans can be categorized based on the level of land development. Each type of land loan necessitates distinct preparations to convince lenders to provide financing. Let’s explore the different types:

LOAN FOR UNDEVELOPED LAND (RAW LAND LOAN)
- Undeveloped land refers to properties without road access, water supply, electricity, or sewer lines, rendering the land unsuitable for immediate construction. While raw land is the most economical option for purchase, it also requires higher down payments and interest rates to secure a loan. The Federal Deposit Insurance Corp. (FDIC) sets a minimum down payment of 35% for undeveloped land. Additionally, to obtain a raw land loan, you’ll need a well-structured and detailed plan for the land’s development to convince lenders that it represents a calculated risk.
LOAN FOR SEMI-DEVELOPED LAND (UNIMPROVED LAND LOAN)
- Semi-developed or unimproved land typically possesses some basic infrastructure, although it may need more amenities such as phone boxes, natural gas, or electric meters. Financing a loan for unimproved land is less risky than undeveloped land but still requires a rigorous process. The FDIC’s minimum down payment standard for unimproved land is 25%.
LOAN FOR DEVELOPED LAND (IMPROVED LAND LOAN)
- Developed lands, often called lots, come with access roads and all the necessary utilities for residential construction. Although improved lots are more expensive, they tend to have comparatively lower land loan interest rates. Lenders are also more inclined to finance this type of loan, with the FDIC setting the minimum down payment for improved land loans at 15%.

image of draft of a house on raw land purchased with a raw land loan

Advantages of Taking a Land Loan

Land loans offer several advantages for individuals who need more time to build on their purchased land. These advantages include:

Flexibility: Land loans provide the flexibility to secure land for its potential, such as in areas with upcoming business opportunities or future development. You can hold the land until the timing is right for your construction project.
“Blank Canvas”: Acquiring land before any construction allows you to start with a “blank canvas.” You can envision and create your dream home or commercial space according to your preferences and needs.
Transition to Construction Loan: When you’re ready to build, your land loan can be seamlessly integrated with a construction loan to finance the land purchase and construction costs. Ultimately, this can transform your land loan into a standard mortgage when you’re ready to move in.

Disadvantages of Taking a Land Loan

Despite the advantages, land loans come with certain disadvantages, mainly due to the higher risks involved:

Limited Lender Options: Lenders for land loans can be limited in number due to the inherent risks, which may limit your choices when selecting a lender.
Stricter Qualifications: To secure a land loan, you must meet more stringent qualifications than a standard mortgage.
Higher Down Payments and Interest Rates: Land loans have higher down payment and interest rates than traditional mortgages. These additional costs are a result of the higher risks faced by lenders.

To mitigate these disadvantages, having a well-defined construction plan, including a set timeline and cost estimates, can increase your loan approval chances, is essential.

Land Loan vs. Other Land-Buying Options

If you encounter difficulties meeting land loan qualifications, alternative methods exist to finance your land purchase. Some options cater to home-building purposes, while others are designed for commercial space.

SELLER-FINANCING
- Seller financing is where the seller acts as your lender in a land contract. This arrangement can be more flexible and suitable for those who may not meet traditional bank loan requirements. It’s essential, however, to engage an attorney to review the land contract to ensure clarity and prevent potential gray areas or loopholes.
HOME EQUITY LOAN
- Another method for purchasing land is through a home equity loan, where you receive a lower interest rate against your home’s equity. It’s important to note that defaulting on this type of loan could lead to the risk of losing your home.
HOME EQUITY LINES OF CREDIT
- Home Equity Lines of Credit (HELOCs) provide a flexible way to access funds over a specified timeframe using your home’s equity. You can use a HELOC as a down payment for a land loan and repay the HELOC amount and interest.
USDA LOAN
- The USDA offers a land and construction loan designed for low to moderate-income families planning to build a home in a qualified rural area. This option can particularly benefit those seeking a more affordable land and home construction path.
SBA LOAN
- Small Business Administration (SBA) loans are available to assist small business owners in financing raw land and construction costs for commercial buildings. The SBA 504 loan program provides fixed-rate financing with a 10% down payment, 40% loan financing through the Certified Development Loan, and 50% provided by a bank or credit union.
PERSONAL LOAN
- A personal loan can also finance your land purchase. While this approach can offer flexibility, it can have higher interest rates. You may also need to compare its shorter repayment periods with the rest.

Looking for a Land Loan?

Securing a land loan can be more challenging than obtaining a standard mortgage. However, you can increase your chances of approval with proper preparation. A credit union consultant specializing in land financing can provide significant assistance in navigating the process and ensuring your specific needs are met when purchasing land. Explore your options and receive expert guidance by scheduling an appointment with us today.

Canopy Credit Union

How Many MSPs Are There in the USA?How Many MSPs Are There in the USA?

June 25, 2023| Tuyet| 0 Comment| 12:00 am

Over 1.3 million businesses in the USA utilize Managed service providers. These firms outsource tasks related to human resources, payroll, contract administration/compliance/procurement as well as procurement – allowing these businesses to focus their energy on core activities of their business instead.

https://www.managedservicesproviders.net/how-many-msp-s-are-in-the-united-states

Private equity firms are taking full advantage of the rapidly expanding MSP industry and capitalizing on this opportunity by purchasing some of its larger providers, but it's important to remember that large MSP firms don't necessarily represent superior performance.

North America

MSPs offer IT support services for businesses that lack the internal resources or budget to maintain an in-house IT team, helping improve business processes while decreasing expenses and overhead costs. MSPs may perform various services such as infrastructure management and cybersecurity management.

Staying up-to-date with a company's IT environment can be challenging for any organization, so having access to managed service provider (MSP) expertise may be beneficial in terms of network monitoring and help desk support services as well as cloud hosting or business continuity planning solutions.

MSPs can increase efficiency by taking on tasks your employees aren't trained to manage, freeing them up for other duties. Furthermore, MSPs ensure your business has maximum uptime – downtime can cost millions as evidenced by Amazon losing $100 Million due to just an hour of downtime on Prime Day 2018. MSPs help prevent downtime by monitoring IT systems 24/7/365 to keep everything working efficiently.

Europe

MSP is a collaborative process used to design and implement sustainable marine spatial planning (SMP). Its main components include organizing the process, engaging stakeholders in its Development and implementation, conducting stocktakes of existing conditions, analysing them thoroughly before developing solutions, as well as an implementation evaluation and adaptation process. MSP also incorporates measures for monitoring its effectiveness as well as compliance with European legislation.

European MSPs are increasingly security-focused as they attempt to meet rising customer demand for managed cybersecurity services. These providers can help organizations enhance their security infrastructure while simultaneously increasing efficiency, productivity, scalability and cutting costs.

Channel Futures recently recognized 42 managed service providers (MSPs) from EMEA who made the 2022 MSP 501 list, demonstrating their excellence as providers of innovative technology services such as networking, cloud-based unified collaboration and hybrid cloud.

Asia Pacific

MSPs that specialize in managed security services (MSSPs) protect clients' networks and devices from cyberattacks, known as managed security services providers (MSSPs). Cloud productivity services enable their clients to run their businesses using popular cloud platforms such as Microsoft 365 or Google Workspace – for which subscription fees apply – while technical support fix services provide assistance either remotely by fixing problems remotely or sending technicians directly to client locations to solve them.

MSPs offer managed workforce solutions to assist companies with managing their contingent labour procurement processes. This trend in business has become more commonplace as more and more organizations choose to outsource these critical tasks to third party experts, freeing resources up for more strategic activities while eliminating direct costs of managing these programs themselves and keeping control of overall managerial oversight – an essential feature of MSP services for business owners.

South America

As more businesses move toward remote work and collaboration, managed service providers (MSPs) stand to capitalize on a changing industry. This shift has been further reinforced by coronavirus-caused businesses to switch away from traditional office spaces toward more flexible ones – and is expected to continue as offices consolidate and processes become more digitalized.

MSPs help their clients with planning (by understanding current expenditure and long-term IT needs to create solutions that scale) and implementation (by quickly delivering new tech solutions). In addition, MSPs offer 24×7 monitoring, help desk support, remote infrastructure management, network security management, IT asset management services as well as project management to complete the package of support they offer their clients.

Channel Futures joined with Clarity Channel Advisors to conduct the 12th annual MSP 501 global ranking to identify leading managed service providers. Applicants, interviews and historical data were used to rank managed service providers on key criteria like growth rates, total and recurring revenues, pricing structures and more.

Abilene TX Top Things To DoAbilene TX Top Things To Do

August 30, 2023| Tuyet| 0 Comment| 12:00 am

Abilene TX,is the seat of Taylor County,home to Dyess Air Force Base and a regional hub for education,distribution,commerce and industry. The city is progressive in its civic life and boasts a vibrant downtown cultural district,which includes educational museums and public artwork.

As the Storybook Capital of America,sculptural depictions of instantly recognizable children’s book characters are everywhere in downtown Abilene.

Paramount Theatre

Built in 1930,the Paramount Theatre was designed by architect David Castle and is best known for its sky-effect ceiling that features passing clouds and twinkling stars. The patio walls are decorated with magnolias,Spanish creeper,and roses. It was used as a cinema until the 1970s when triplexes became more popular. The owners tried to revive the theater by opening it as a country music venue,but that failed.

Fortunately,the theatre was saved from demolition by Local preservation efforts. The theatre was restored to its original glory in 1987,and it is now the premier entertainment venue of West Texas. The Paramount hosts a wide range of concerts,musical productions,opera,dance,and private parties. The theatre’s excellent technical facilities make it the premier theatre in the Southwest. The Paramount Theatre is located at 352 Cypress Street in the historic downtown of Abilene. There are parking lots and streets nearby.

Abilene State Park

Abilene State Park is a 529-acre park located southwest of Abilene,Texas. The park features a lake,fishing pond,swimming pool,trails and camping. It is a popular place to visit during the summer and is considered one of the most popular parks in the state by Online insurance comparison and marketplace Insuranks.

The park lies in a semi-arid region of short prairie grass,brushland and wooded stream valleys on the Callahan Divide in extreme western North Central Texas. The park is home to many different plant species,including native pecans,Texas red oaks,mesquites,cedars,and junipers. Wildlife include white-tailed rabbits,cottontail deer,raccoons and armadillos. Birds like the Mississippi kite and greater roadrunner.

Two different CCC companies built many of the red sandstone features along the park’s trails between September 1934 and December 1935. Sandstone was also used to build a concession,picnic tables and pavilions.

Mill Wine Bar & Event Center

The Mill Wine Bar is a wine bar and event center in Abilene. It is a unique venue that offers a variety of wines,cocktails,and appetizers. The venue is a favorite for weddings. The venue is situated in a renovated warehouse with brick walls,industrial windows,and hardwood floors.

The venue has a wide selection of wine and beer,including craft beers. The bar is open every day of the week. The bar has a friendly staff and a cozy atmosphere. In addition to wine and beer,the Mill also serves appetizers and desserts.

It is easy to get to the Mill Wine Bar & Event Center using Lyft. Enter your destination and address,and the app shows you how to reach it. Uber allows you to book a ride. You can choose between a shared or a private ride. Prices may vary depending upon the time of day and traffic delays.

Frontier Texas

The museum is unique,using state-of-the-art technology to bring history of Texas’ frontier to life. Even kids will find the experience very interesting and interactive. You can feel the terror of a wolf attack or the chaos of a buffalo stampede. You can also participate in a card game shootout or hear stories of the people that made West Texas what it is today.

Six different exhibits are available: A Wild Land; Comanche Empire; The Buffalo Hide Trade; Military on the Frontier; Cowboys and Longhorns and Frontier Settlements. Each section is packed with detailed historical information and amazing artifacts. However,the real draw is the holograms.