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Arrendar o comprar? Esto es lo que usted debe saber

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Por Ali Omoomy

 

Periódicamente, como consumidor, usted se enfrenta a la cuestión de si debe arrendar o comprar un coche.

 

En este clima económico, cada fabricante y distribuidor tiene la esperanza que usted lo elija para arrendar por la razón principal que el arrendamiento es “temporal”.

 

Cada dos o tres años, un conductor que arrienda tiene que tomar una decisión de compra, y eso significa ventas garantizadas para los concesionarios y fabricantes. Por lo tanto, los arrendamientos producen una tubería de millones de coches usados ​​por los cuales los vendedores obtienen beneficios a través de la reventa.

 

Los conductores que van sobre el “permiso de kilometraje” asignado porque ellos no pueden pagar un alquiler de alto kilometraje, o que simplemente no prestaron atención a las millas que condujeron, se presentan con la desagradable sorpresa de sanciones al final de un término.

 

Las sanciones por exceso de kilometraje podrían añadir hasta grandes números rápidamente. Así que si usted tiende a acumular el kilometraje, un contrato de arrendamiento no es para usted.

 

En segundo lugar, la gente no parece reconocer el dinero que pueden ahorrar al comprar un coche “de segunda mano”.

 

Los miles de dólares que son reducidos del precio de venta en el primer año de la propiedad son de tamaño considerable. La deprecian de los carros es más rápidamente en el primer año que en cualquier otro período de su vida útil.

 

Al evitar ser dueño de un carro durante su primer o segundo año, usted evita “perder” dólares mediante esa etapa rápida de depreciación.

 

Pero, el arrendamiento puede ser visto como el alquiler durante dos o tres años, y no es una mala opción para los consumidores que quieren mantenerse al día con nuevos modelos y tecnologías.

 

Cuando usted compra, usted puede vender su coche cuando esté listo y no cuando los peajes de reloj de arrendamiento.

 

En la compra de un coche, usted está trabajando para ser dueño de un activo – algo que puede ofrecer por otro carro – o no. Los coches de hoy están hechos para durar.

 

Usted puede disfrutar del placer de no tener pagos mensuales de un vehículo durante años. Si usted está trabajando hacia un estilo de vida libre de deudas, el arrendamiento no es para usted, así que no se deje convencer solo porque los pagos pueden ser unos pocos dólares menos.

 

En términos generales, usted es un arrendatario si: Usted está interesado en el cambio de los carros cada dos o tres años; usted no conduce más de 17-20k millas al año; Usted no está interesado en la construcción de la equidad en su automóvil; Usted está seguro de que puede mantener su auto en realmente buen estado cosméticamente durante el contrato de arrendamiento.

 

Si el arrendamiento es para usted: negociar el precio antes de negociar en efectivo por adelantado y pagos mensuales; ser muy claro acerca de cuantas millas por año usted necesita y no comprometerse sólo para reducir los pagos; averiguar lo que el factor dinero “tasa de compra” es y asegúrese de que no hay ninguna marca en marcha pasado a usted; si usted ha hecho bien en el precio, kilometraje y el factor dinero, la única manera de manipular los pagos mensuales es cambiando la cantidad de dinero en efectivo por adelantado.

 

Buena caza.

 

* Ali Omoomy encabeza MyHopscotch.com, un grupo de ex profesionales de la Industria Automotriz que abogan por los consumidores. Puede contactar a Omoomy con preguntas al 844-877-8537.

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Rest in Peace: A.M.E. Pastor and L.A Civil Rights Icon Cecil “Chip” Murray Passes

The Rev. Dr. Cecil L. “Chip” Murray, former pastor of First African Methodist Episcopal Church (FAME) in Los Angeles, died of natural causes April 6 at his Windsor Hills Home. He was 94. “Today, we lost a giant. Reverend Dr. Cecil Murray dedicated his life to service, community, and putting God first in all things. I had the absolute honor of working with him, worshiping with him, and seeking his counsel,” said Los Angeles Mayor Karen Bass of the dynamic religious leader whose ministry inspired and attracted millionaires as well as former gang bangers and people dealing with substance use disorder (SUD).

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The Rev. Dr. Cecil L. “Chip” Murray, former pastor of First African Methodist Episcopal Church (FAME) in Los Angeles, died of natural causes April 6 at his Windsor Hills Home. He was 94.

“Today, we lost a giant. Reverend Dr. Cecil Murray dedicated his life to service, community, and putting God first in all things. I had the absolute honor of working with him, worshiping with him, and seeking his counsel,” said Los Angeles Mayor Karen Bass of the dynamic religious leader whose ministry inspired and attracted millionaires as well as former gang bangers and people dealing with substance use disorder (SUD).

Murray oversaw the growth of FAME’s congregation from 250 members to 18,000.

“My heart is with the First AME congregation and community today as we reflect on a legacy that changed this city forever,” Bass continued.

Murray served as Senior Minister at FAME, the oldest Black congregation in the city, for 27 years. During that time, various dignitaries visited and he built strong relationships with political and civic leaders in the city and across the state, as well as a number of Hollywood figures. Several national political leaders also visited with Murray and his congregation at FAME, including Presidents George W. Bush and Bill Clinton.

Murray, a Florida native and U.S. Air Force vet, attended Florida A&M University, where he majored in history, worked on the school newspaper and pledged Alpha Phi Alpha Fraternity.  He later attended Claremont School of Theology in Los Angeles County, where he earned his doctorate in Divinity.

Murray is survived by his son Drew. His wife Bernadine, who was a committed member of the A.M.E. church and the daughter of his childhood pastor, died in 2013.

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Court Throws Out Law That Allowed Californians to Build Duplexes, Triplexes and RDUs on Their Properties

Charter cities in California won a lawsuit last week against the state that declared Senate Bill (SB) 9, a pro-housing bill, unconstitutional. Passed in 2021, SB 9 is also known as the California Housing Opportunity and More Efficiency Act (HOME). That law permits up to four residential units — counting individual units of duplexes, triplexes and residential dwelling units (RDUs) – to be built on properties in neighborhoods that were previously zoned for only single-family homes.

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Charter cities in California won a lawsuit last week against the state that declared Senate Bill (SB) 9, a pro-housing bill, unconstitutional.

Passed in 2021, SB 9 is also known as the California Housing Opportunity and More Efficiency Act (HOME). That law permits up to four residential units — counting individual units of duplexes, triplexes and residential dwelling units (RDUs) – to be built on properties in neighborhoods that were previously zoned for only single-family homes.

A Los Angeles Superior Court Judge ruled in favor of the cities, pointing out that SB 9 discredited charter cities that were granted jurisdiction to create new governance systems and enact policy reforms. The court ruling affects 121 charter cities that have local constitutions.

Attorney Pam Lee represented five Southern California cities in the lawsuit against the state and Attorney General Rob Bonta.

“This is a monumental victory for all charter cities in California,” Lee said.

However, general law cities are excluded from the court ruling as state housing laws still apply in residential areas.

Attorney General Bonta and his team are working to review the decision and consider all options that will protect SB 9 as a state law. Bonta said the law has helped provide affordable housing for residents in California.

“Our statewide housing shortage and affordability crisis requires collaboration, innovation, and a good faith effort by local governments to increase the housing supply,” Bonta said.

“SB9 is an important tool in this effort, and we’re going to make sure homeowners have the opportunity to utilize it,” he said.

Charter cities remain adamant that the state should refrain from making land-use decisions on their behalf. In the lawsuit, city representatives argued that SB 9 eliminates local authority to create single-family zoning districts and approve housing developments.

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Funds for Down Payments and Credit Repair Given to Black First Time Homebuyers

The California Civil Rights Department (CRD) won a $10,000 fair housing settlement last November against a property management company, CIM Group LP, a global real estate company headquartered in Los Angeles, and property owner, RACR Sora, LLC, for implementing a blanket ban on renting to tenants with criminal histories at Sora Apartments in Inglewood. Three months earlier, the department, which enforces California’s civil rights laws, won another $20,000 civil rights settlement against a Lemon Grove property manager, who had targeted a Black tenant with a series of racist actions and threats of violence.

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By McKenzie Jackson, California Black Media

The California Civil Rights Department (CRD) won a $10,000 fair housing settlement last November against a property management company, CIM Group LP, a global real estate company headquartered in Los Angeles, and property owner, RACR Sora, LLC, for implementing a blanket ban on renting to tenants with criminal histories at Sora Apartments in Inglewood.

Three months earlier, the department, which enforces California’s civil rights laws, won another $20,000 civil rights settlement against a Lemon Grove property manager, who had targeted a Black tenant with a series of racist actions and threats of violence.

CRD Director Kevin Kish said the department investigates cases of apparent racial bias in housing and sometimes more subtle acts of prejudice like nuisance-free or crime-free housing policies or holding tenants to different standards based on their race.

Kish said, “People will get evicted if they call the police. This can negatively impact victims of domestic violence. We also see these no-crime ordinances, or no-crime policies, used in racially discriminatory ways. If there is some kind of incident, and the police are called and it involves a Black family, then they get evicted, but other folks aren’t necessarily evicted.”

On April 11,1968, a week after Rev. Dr. Martin Luther King, Jr. was assassinated, President Lydon B. Johnson signed the Fair Housing Act, which prohibits discrimination in the sale, rental, and financing of housing based on race, color, religion, and nationality.

Kish noted that William Byron Rumford, the first Black California State Assemblymember, who represented Berkley and Oakland, spearheaded the passing of the Rumford Act in 1963. That law sought to end discriminatory housing practices in the Golden State, five years before the Fair Housing Act became law.
Real estate agent and housing advocate Ashley Garner is the director of the CLTRE Keeper Home Ownership program. That organization gave 25 Black, indigenous, and people of color $17,500 each in down payment and credit repair support to purchase a home in Oak Park, a traditionally Black neighborhood in Sacramento, last fall. CLTRE obtained a $500,000 grant from the city of Sacramento to award the funds to the residents after they completed an eight-week homeownership program.

In 2021, the California Housing Finance Agency (CalHFA) noted that around four in 10 Black California families owned homes, which trails that of White, Asian-American and Latinos.
According to Forbes, the median price for a home in California is over $500,000, which is double the cost of a home in the rest of the country.

Black lawmakers recently introduced their Reparations Priority Bill Package that includes support for Black first-time homebuyers, homeowners’ mortgage assistance and property tax relief for neighborhoods restricted by historic redlining.

California Housing Finance Agency (CalHFA) spokesperson Eric Johnson said CalHFA helps prospective low-income and moderate-income Californians purchase homes by offering down payment and closing cost aid. “There are lots of people who have steady jobs, good credit scores, constant income, but they haven’t been able to save up the money that traditional banks need or want to see for a down payment,” Johnson stated. “We help those folks out. We give a loan for the down payment to get them over that hurdle.”
CRD and the Department of Real Estate hosted “Fair Housing Protections for People with Criminal Histories” Zoom call on April 10.

On April 25, CRD will also hold Zoom seminars focused on advocating for fair housing for people with disabilities.

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