Ecoer Logo
VOTING POWER100.00%
DOWNVOTE POWER100.00%
RESOURCE CREDITS100.00%
REPUTATION PROGRESS0.00%
Net Worth
0.042USD
STEEM
0.000STEEM
SBD
0.012SBD
Effective Power
5.007SP
├── Own SP
0.631SP
└── Incoming Deleg
+4.376SP

Detailed Balance

STEEM
balance
0.000STEEM
market_balance
0.000STEEM
savings_balance
0.000STEEM
reward_steem_balance
0.000STEEM
STEEM POWER
Own SP
0.631SP
Delegated Out
0.000SP
Delegation In
4.376SP
Effective Power
5.007SP
Reward SP (pending)
0.013SP
SBD
sbd_balance
0.000SBD
sbd_conversions
0.000SBD
sbd_market_balance
0.000SBD
savings_sbd_balance
0.000SBD
reward_sbd_balance
0.012SBD
{
  "balance": "0.000 STEEM",
  "savings_balance": "0.000 STEEM",
  "reward_steem_balance": "0.000 STEEM",
  "vesting_shares": "1026.874100 VESTS",
  "delegated_vesting_shares": "0.000000 VESTS",
  "received_vesting_shares": "7116.785706 VESTS",
  "sbd_balance": "0.000 SBD",
  "savings_sbd_balance": "0.000 SBD",
  "reward_sbd_balance": "0.012 SBD",
  "conversions": []
}

Account Info

namedeepbasi
id453083
rank816,458
reputation251042439
created2017-11-17T19:43:03
recovery_accountsteem
proxyNone
post_count4
comment_count0
lifetime_vote_count0
witnesses_voted_for0
last_post2017-11-18T17:54:48
last_root_post2017-11-18T17:54:48
last_vote_time2017-11-18T17:30:51
proxied_vsf_votes0, 0, 0, 0
can_vote1
voting_power0
delayed_votes0
balance0.000 STEEM
savings_balance0.000 STEEM
sbd_balance0.000 SBD
savings_sbd_balance0.000 SBD
vesting_shares1026.874100 VESTS
delegated_vesting_shares0.000000 VESTS
received_vesting_shares7116.785706 VESTS
reward_vesting_balance26.688268 VESTS
vesting_balance0.000 STEEM
vesting_withdraw_rate0.000000 VESTS
next_vesting_withdrawal1969-12-31T23:59:59
withdrawn0
to_withdraw0
withdraw_routes0
savings_withdraw_requests0
last_account_recovery1970-01-01T00:00:00
reset_accountnull
last_owner_update1970-01-01T00:00:00
last_account_update2017-11-18T02:51:54
minedNo
sbd_seconds0
sbd_last_interest_payment1970-01-01T00:00:00
savings_sbd_last_interest_payment1970-01-01T00:00:00
{
  "active": {
    "account_auths": [],
    "key_auths": [
      [
        "STM7SWL9cKe74B7pytQMH47j9WZCo6sNDFdZZ8uR4pa6UHGC3xWwq",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "balance": "0.000 STEEM",
  "can_vote": true,
  "comment_count": 0,
  "created": "2017-11-17T19:43:03",
  "curation_rewards": 0,
  "delegated_vesting_shares": "0.000000 VESTS",
  "downvote_manabar": {
    "current_mana": 2035914951,
    "last_update_time": 1779060102
  },
  "guest_bloggers": [],
  "id": 453083,
  "json_metadata": "{\"profile\":{\"cover_image\":\"\",\"profile_image\":\"https://img.esteem.ws/voonfkjb5r.jpg\",\"location\":\"Toronto\",\"name\":\"Deep\",\"website\":\"Www.Tricitygoldrealty.com\"}}",
  "last_account_recovery": "1970-01-01T00:00:00",
  "last_account_update": "2017-11-18T02:51:54",
  "last_owner_update": "1970-01-01T00:00:00",
  "last_post": "2017-11-18T17:54:48",
  "last_root_post": "2017-11-18T17:54:48",
  "last_vote_time": "2017-11-18T17:30:51",
  "lifetime_vote_count": 0,
  "market_history": [],
  "memo_key": "STM6q1Woej7vw13oML1USYAVmjnqqBmpi66FzP3AwZmx6ZTiN5Hdc",
  "mined": false,
  "name": "deepbasi",
  "next_vesting_withdrawal": "1969-12-31T23:59:59",
  "other_history": [],
  "owner": {
    "account_auths": [],
    "key_auths": [
      [
        "STM8Co1TzaN3fxdfeYzYQ2kZvduRKsFVvcL17XwdMUbpM53aTh9Y7",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "pending_claimed_accounts": 0,
  "post_bandwidth": 0,
  "post_count": 4,
  "post_history": [],
  "posting": {
    "account_auths": [],
    "key_auths": [
      [
        "STM8eLT1g15R5QQmqFZDaETGBLgzv2jfxs6MKBiRM6N7WLT7iawf2",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "posting_json_metadata": "{\"profile\":{\"cover_image\":\"\",\"profile_image\":\"https://img.esteem.ws/voonfkjb5r.jpg\",\"location\":\"Toronto\",\"name\":\"Deep\",\"website\":\"Www.Tricitygoldrealty.com\"}}",
  "posting_rewards": 26,
  "proxied_vsf_votes": [
    0,
    0,
    0,
    0
  ],
  "proxy": "",
  "received_vesting_shares": "7116.785706 VESTS",
  "recovery_account": "steem",
  "reputation": 251042439,
  "reset_account": "null",
  "reward_sbd_balance": "0.012 SBD",
  "reward_steem_balance": "0.000 STEEM",
  "reward_vesting_balance": "26.688268 VESTS",
  "reward_vesting_steem": "0.013 STEEM",
  "savings_balance": "0.000 STEEM",
  "savings_sbd_balance": "0.000 SBD",
  "savings_sbd_last_interest_payment": "1970-01-01T00:00:00",
  "savings_sbd_seconds": "0",
  "savings_sbd_seconds_last_update": "1970-01-01T00:00:00",
  "savings_withdraw_requests": 0,
  "sbd_balance": "0.000 SBD",
  "sbd_last_interest_payment": "1970-01-01T00:00:00",
  "sbd_seconds": "0",
  "sbd_seconds_last_update": "1970-01-01T00:00:00",
  "tags_usage": [],
  "to_withdraw": 0,
  "transfer_history": [],
  "vesting_balance": "0.000 STEEM",
  "vesting_shares": "1026.874100 VESTS",
  "vesting_withdraw_rate": "0.000000 VESTS",
  "vote_history": [],
  "voting_manabar": {
    "current_mana": "8143659806",
    "last_update_time": 1779060102
  },
  "voting_power": 0,
  "withdraw_routes": 0,
  "withdrawn": 0,
  "witness_votes": [],
  "witnesses_voted_for": 0,
  "rank": 816458
}

Withdraw Routes

IncomingOutgoing
Empty
Empty
{
  "incoming": [],
  "outgoing": []
}
From Date
To Date
steemdelegated 4.376 SP to @deepbasi
2026/05/17 23:21:42
delegateedeepbasi
delegatorsteem
vesting shares7116.785706 VESTS
Transaction InfoBlock #106142382/Trx c5b781108c68bd4f19eee3e594253efe26fc22f5
View Raw JSON Data
{
  "block": 106142382,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "7116.785706 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-05-17T23:21:42",
  "trx_id": "c5b781108c68bd4f19eee3e594253efe26fc22f5",
  "trx_in_block": 8,
  "virtual_op": 0
}
steemdelegated 2.708 SP to @deepbasi
2026/05/12 00:14:48
delegateedeepbasi
delegatorsteem
vesting shares4404.575301 VESTS
Transaction InfoBlock #105971408/Trx 6e7fdbb27183a0a6c0a2b47b80ae986f9707dcab
View Raw JSON Data
{
  "block": 105971408,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "4404.575301 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-05-12T00:14:48",
  "trx_id": "6e7fdbb27183a0a6c0a2b47b80ae986f9707dcab",
  "trx_in_block": 9,
  "virtual_op": 0
}
steemdelegated 4.383 SP to @deepbasi
2026/04/25 22:44:09
delegateedeepbasi
delegatorsteem
vesting shares7129.301462 VESTS
Transaction InfoBlock #105510063/Trx 48be44debbc4c6b7397a649bb48c5ca71ac2a469
View Raw JSON Data
{
  "block": 105510063,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "7129.301462 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-04-25T22:44:09",
  "trx_id": "48be44debbc4c6b7397a649bb48c5ca71ac2a469",
  "trx_in_block": 1,
  "virtual_op": 0
}
steemdelegated 2.734 SP to @deepbasi
2026/01/23 05:24:27
delegateedeepbasi
delegatorsteem
vesting shares4446.122120 VESTS
Transaction InfoBlock #102848942/Trx 28b99078fa7d02f9a0d05d72fd6e5424dbf62b2b
View Raw JSON Data
{
  "block": 102848942,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "4446.122120 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-01-23T05:24:27",
  "trx_id": "28b99078fa7d02f9a0d05d72fd6e5424dbf62b2b",
  "trx_in_block": 1,
  "virtual_op": 0
}
steemdelegated 2.835 SP to @deepbasi
2024/12/17 00:44:24
delegateedeepbasi
delegatorsteem
vesting shares4610.341317 VESTS
Transaction InfoBlock #91295367/Trx 444b381ff2788d9c653aa37524888ab0ce6a32f3
View Raw JSON Data
{
  "block": 91295367,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "4610.341317 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2024-12-17T00:44:24",
  "trx_id": "444b381ff2788d9c653aa37524888ab0ce6a32f3",
  "trx_in_block": 6,
  "virtual_op": 0
}
steemdelegated 2.939 SP to @deepbasi
2023/11/13 16:27:48
delegateedeepbasi
delegatorsteem
vesting shares4779.474849 VESTS
Transaction InfoBlock #79849591/Trx dbbfcedd4d605c4cc99a44fa246327cbda68e427
View Raw JSON Data
{
  "block": 79849591,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "4779.474849 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2023-11-13T16:27:48",
  "trx_id": "dbbfcedd4d605c4cc99a44fa246327cbda68e427",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 4.745 SP to @deepbasi
2023/09/21 20:46:51
delegateedeepbasi
delegatorsteem
vesting shares7716.753635 VESTS
Transaction InfoBlock #78346575/Trx a0da36bda60c93441af7c7e5d3d2eb97cfc735e8
View Raw JSON Data
{
  "block": 78346575,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "7716.753635 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2023-09-21T20:46:51",
  "trx_id": "a0da36bda60c93441af7c7e5d3d2eb97cfc735e8",
  "trx_in_block": 1,
  "virtual_op": 0
}
steemdelegated 4.881 SP to @deepbasi
2022/11/03 10:42:42
delegateedeepbasi
delegatorsteem
vesting shares7938.435073 VESTS
Transaction InfoBlock #69112077/Trx e46adcab89eda47f8f0d48200e6b94caa6db5fa5
View Raw JSON Data
{
  "block": 69112077,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "7938.435073 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2022-11-03T10:42:42",
  "trx_id": "e46adcab89eda47f8f0d48200e6b94caa6db5fa5",
  "trx_in_block": 3,
  "virtual_op": 0
}
steemdelegated 5.017 SP to @deepbasi
2022/01/17 10:03:33
delegateedeepbasi
delegatorsteem
vesting shares8158.968304 VESTS
Transaction InfoBlock #60808343/Trx 8f7ee6b0544d55c298cb99b48608a5d33fc3b21e
View Raw JSON Data
{
  "block": 60808343,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "8158.968304 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2022-01-17T10:03:33",
  "trx_id": "8f7ee6b0544d55c298cb99b48608a5d33fc3b21e",
  "trx_in_block": 6,
  "virtual_op": 0
}
steemdelegated 5.130 SP to @deepbasi
2021/06/14 00:00:54
delegateedeepbasi
delegatorsteem
vesting shares8342.736962 VESTS
Transaction InfoBlock #54606773/Trx c5dd9caa012b34543d6afd9c512fcb584ef77618
View Raw JSON Data
{
  "block": 54606773,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "8342.736962 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2021-06-14T00:00:54",
  "trx_id": "c5dd9caa012b34543d6afd9c512fcb584ef77618",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 5.245 SP to @deepbasi
2020/12/11 10:21:09
delegateedeepbasi
delegatorsteem
vesting shares8530.158936 VESTS
Transaction InfoBlock #49354269/Trx 88072a9bd545f8b3e2eebb0b7fce7e5575b43f60
View Raw JSON Data
{
  "block": 49354269,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "8530.158936 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-12-11T10:21:09",
  "trx_id": "88072a9bd545f8b3e2eebb0b7fce7e5575b43f60",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 1.176 SP to @deepbasi
2020/12/06 03:58:18
delegateedeepbasi
delegatorsteem
vesting shares1912.543513 VESTS
Transaction InfoBlock #49205832/Trx f691e3a8a6553a294750e6aee74bb2c768dae410
View Raw JSON Data
{
  "block": 49205832,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "1912.543513 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-12-06T03:58:18",
  "trx_id": "f691e3a8a6553a294750e6aee74bb2c768dae410",
  "trx_in_block": 3,
  "virtual_op": 0
}
steemdelegated 5.249 SP to @deepbasi
2020/12/05 11:55:33
delegateedeepbasi
delegatorsteem
vesting shares8536.525575 VESTS
Transaction InfoBlock #49186941/Trx 3e0ac79ae0fc050b9c6d482afad3780b5a85ca34
View Raw JSON Data
{
  "block": 49186941,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "8536.525575 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-12-05T11:55:33",
  "trx_id": "3e0ac79ae0fc050b9c6d482afad3780b5a85ca34",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 1.181 SP to @deepbasi
2020/11/02 13:58:51
delegateedeepbasi
delegatorsteem
vesting shares1920.017158 VESTS
Transaction InfoBlock #48255852/Trx a99ab0e2e74e06e28d2f1f45889e614627f84657
View Raw JSON Data
{
  "block": 48255852,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "1920.017158 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-11-02T13:58:51",
  "trx_id": "a99ab0e2e74e06e28d2f1f45889e614627f84657",
  "trx_in_block": 6,
  "virtual_op": 0
}
steemdelegated 5.373 SP to @deepbasi
2020/05/09 04:54:48
delegateedeepbasi
delegatorsteem
vesting shares8739.172149 VESTS
Transaction InfoBlock #43216070/Trx 30c22bfe7f15d99a0b855c232c7dde8d17cbcb3b
View Raw JSON Data
{
  "block": 43216070,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "8739.172149 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-05-09T04:54:48",
  "trx_id": "30c22bfe7f15d99a0b855c232c7dde8d17cbcb3b",
  "trx_in_block": 8,
  "virtual_op": 0
}
steemdelegated 1.201 SP to @deepbasi
2020/05/08 08:23:36
delegateedeepbasi
delegatorsteem
vesting shares1953.311140 VESTS
Transaction InfoBlock #43192021/Trx e0bd50f82ea693b88e6be28f89b43726a920bc59
View Raw JSON Data
{
  "block": 43192021,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "1953.311140 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-05-08T08:23:36",
  "trx_id": "e0bd50f82ea693b88e6be28f89b43726a920bc59",
  "trx_in_block": 12,
  "virtual_op": 0
}
steemdelegated 5.381 SP to @deepbasi
2020/04/15 21:06:00
delegateedeepbasi
delegatorsteem
vesting shares8752.149568 VESTS
Transaction InfoBlock #42561960/Trx df0a43ccec5401d6345ede72b08b133be5a054e2
View Raw JSON Data
{
  "block": 42561960,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "deepbasi",
      "delegator": "steem",
      "vesting_shares": "8752.149568 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-04-15T21:06:00",
  "trx_id": "df0a43ccec5401d6345ede72b08b133be5a054e2",
  "trx_in_block": 20,
  "virtual_op": 0
}
2019/11/17 21:08:03
authorsteemitboard
bodyCongratulations @deepbasi! You received a personal award! <table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@deepbasi/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table> <sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@deepbasi) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=deepbasi)_</sub> ###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!
json metadata{"image":["https://steemitboard.com/img/notify.png"]}
parent authordeepbasi
parent permlinkreal-estate-emerging-trend-to-buy-with-family-friends-20171118t125439962z
permlinksteemitboard-notify-deepbasi-20191117t210802000z
title
Transaction InfoBlock #38263992/Trx 6987d11ce145be575f4ec8bdff4c64214242723d
View Raw JSON Data
{
  "block": 38263992,
  "op": [
    "comment",
    {
      "author": "steemitboard",
      "body": "Congratulations @deepbasi! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@deepbasi/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@deepbasi) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=deepbasi)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
      "json_metadata": "{\"image\":[\"https://steemitboard.com/img/notify.png\"]}",
      "parent_author": "deepbasi",
      "parent_permlink": "real-estate-emerging-trend-to-buy-with-family-friends-20171118t125439962z",
      "permlink": "steemitboard-notify-deepbasi-20191117t210802000z",
      "title": ""
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2019-11-17T21:08:03",
  "trx_id": "6987d11ce145be575f4ec8bdff4c64214242723d",
  "trx_in_block": 4,
  "virtual_op": 0
}
steemdelegated 5.502 SP to @deepbasi
2019/05/12 14:20:48
delegateedeepbasi
delegatorsteem
vesting shares8947.772373 VESTS
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2018/11/17 20:42:42
authorsteemitboard
bodyCongratulations @deepbasi! You have received a personal award! [![](https://steemitimages.com/70x70/http://steemitboard.com/@deepbasi/birthday1.png)](http://steemitboard.com/@deepbasi) 1 Year on Steemit <sub>_Click on the badge to view your Board of Honor._</sub> **Do not miss the last post from @steemitboard:** <table><tr><td><a href="https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-intermediate-results"><img src="https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeLukvNFRsa7RURqsFpiLGEZZD49MiU52JtWmjS5S2wtW/image.png"></a></td><td><a href="https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-intermediate-results">Meet the Steemians Contest - Intermediate results</a></td></tr></table> > Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!
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steemdelegated 5.624 SP to @deepbasi
2018/05/16 20:13:36
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2018/04/21 20:41:27
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steemdelegated 18.285 SP to @deepbasi
2017/12/12 22:20:48
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2017/12/09 16:18:24
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2017/12/09 16:08:06
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2017/12/09 14:59:09
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2017/12/08 20:05:09
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2017/12/08 19:58:36
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2017/11/25 13:31:57
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esteemappreceived 0.001 SP benefactor reward from @deepbasi
2017/11/25 13:31:57
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2017/11/18 17:57:12
authordeepbasi
body@@ -3780,20 +3780,8 @@ rta -and Ontario. %0A !%5B @@ -3813,18 +3813,18 @@ .ws/ -4xme628nif +0427ob9t6u .jpg
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permlinkreal-estate-emerging-trend-to-buy-with-family-friends-20171118t125439962z
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2017/11/18 17:55:54
authorcheetah
bodyHi! I am a robot. I just upvoted you! I found similar content that readers might be interested in: https://www.canadianmortgagetrends.com/2017/10/buying-real-estate-with-family-friends/
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2017/11/18 17:55:51
authordeepbasi
permlinkreal-estate-emerging-trend-to-buy-with-family-friends-20171118t125439962z
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2017/11/18 17:54:48
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2017/11/18 17:54:48
authordeepbasi
bodyWhile it’s fairly common for those in tight rental markets to have a roommate to help split the rent, an emerging trend is buying real estate with a family member or friend. Faced with high home prices in big cities and tougher mortgage rules, including a new stress test on uninsured mortgages, it’s becoming increasingly difficult for first-time homebuyers to get their foot in the door of the real estate market. As such, prospective buyers are finding more creative ways to be able to enter the real estate market, and buying with a family member or friend is one of them. When considering co-ownership, it doesn’t have to be with a spouse or romantic partner. It can be your brother, sister, aunt, uncle, cousin, friend or even co-worker. When you’re buying with a partner, make sure it’s someone you can trust. You’ll both be on the title and responsible for paying the mortgage on time and in full. If either you or your partner run into financial difficulties and are unable to pay your respective share of the mortgage, it could adversely affect your credit score if the other party is unable to come up with the extra money. For that reason, I recommend treating co-ownership like a business arrangement by having a lawyer draft up an agreement. Also, this living arrangement likely isn’t permanent. You’ll want this agreement in place when you or your partner wants to sell. The last thing you’d want is for the sale of your property to hurt your relationship. Qualifying for a Mortgage is Easier with a Partner Buying with a partner helps you in several ways. The first is mortgage qualification. Two of the factors that lenders consider when qualifying you for a mortgage is your down payment and income. Saving a sizable down payment is tough, especially for those living in cities like Toronto or Vancouver with sky-high rents and home prices. Not to mention it’s also more challenging to qualify for a mortgage on a single income. Even being able to afford to a starter home, such as a condo in Vancouver, on a single income can be tough. That’s where buying with a partner comes in handy. When buying with a partner, both of your down payments and incomes are taken into account. This makes qualifying for a mortgage a lot easier. In many cases it means qualifying for a home you otherwise wouldn’t be able to afford on your own. For example, instead of only being able to afford a cramped condo, you might be able to afford a more spacious townhouse or semi-detached house. In essence, buying with a partner helps you move up the property ladder faster. If you don’t know anyone who’s in the financial position to purchase a property with you, you’re not necessarily out of luck. The sharing economy is throwing homebuyers a lifeline. There are real estate matchmaking services like C-Harmony that will pair you with fellow homebuyers. Some lenders like Meridian Credit Union are making buying with family and friends easier than ever by offering mortgages specifically for this living arrangement. With the Family and Friends Mortgage, up to four people can obtain a mortgage at a low rate. Ready to Buy with a Partner? The first step is to find a reliable partner who would be willing to purchase a property with you. After that, you’ll want to get pre-approved for a mortgage. With your housing budget in mind, you can buy a property together that will be a good long-term investment for both of you. Once you purchase a property, don’t forget to have an agreement drafted up by a lawyer so there aren’t any surprises when one partner eventually wants out of the deal. This will make for a happy, and hopefully long-term, real estate partnership. Alan Harder is a partner with MortgagePal, on online mortgage brokerage with agents in BC, Alberta and Ontario. ![image](https://img.esteem.ws/4xme628nif.jpg)
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      "body": "While it’s fairly common for those in tight rental markets to have a roommate to help split the rent, an emerging trend is buying real estate with a family member or friend.\n\nFaced with high home prices in big cities and tougher mortgage rules, including a new stress test on uninsured mortgages, it’s becoming increasingly difficult for first-time homebuyers to get their foot in the door of the real estate market. As such, prospective buyers are finding more creative ways to be able to enter the real estate market, and buying with a family member or friend is one of them.\n\nWhen considering co-ownership, it doesn’t have to be with a spouse or romantic partner. It can be your brother, sister, aunt, uncle, cousin, friend or even co-worker. When you’re buying with a partner, make sure it’s someone you can trust. You’ll both be on the title and responsible for paying the mortgage on time and in full. If either you or your partner run into financial difficulties and are unable to pay your respective share of the mortgage, it could adversely affect your credit score if the other party is unable to come up with the extra money.\n\nFor that reason, I recommend treating co-ownership like a business arrangement by having a lawyer draft up an agreement. Also, this living arrangement likely isn’t permanent. You’ll want this agreement in place when you or your partner wants to sell. The last thing you’d want is for the sale of your property to hurt your relationship.\n\nQualifying for a Mortgage is Easier with a Partner\n\nBuying with a partner helps you in several ways. The first is mortgage qualification. Two of the factors that lenders consider when qualifying you for a mortgage is your down payment and income.\n\nSaving a sizable down payment is tough, especially for those living in cities like Toronto or Vancouver with sky-high rents and home prices.\n\nNot to mention it’s also more challenging to qualify for a mortgage on a single income. Even being able to afford to a starter home, such as a condo in Vancouver, on a single income can be tough. That’s where buying with a partner comes in handy.\n\nWhen buying with a partner, both of your down payments and incomes are taken into account. This makes qualifying for a mortgage a lot easier. In many cases it means qualifying for a home you otherwise wouldn’t be able to afford on your own.\n\nFor example, instead of only being able to afford a cramped condo, you might be able to afford a more spacious townhouse or semi-detached house. In essence, buying with a partner helps you move up the property ladder faster.\n\nIf you don’t know anyone who’s in the financial position to purchase a property with you, you’re not necessarily out of luck. The sharing economy is throwing homebuyers a lifeline. There are real estate matchmaking services like C-Harmony that will pair you with fellow homebuyers.\n\nSome lenders like Meridian Credit Union are making buying with family and friends easier than ever by offering mortgages specifically for this living arrangement. With the Family and Friends Mortgage, up to four people can obtain a mortgage at a low rate.\n\nReady to Buy with a Partner?\n\nThe first step is to find a reliable partner who would be willing to purchase a property with you. After that, you’ll want to get pre-approved for a mortgage. With your housing budget in mind, you can buy a property together that will be a good long-term investment for both of you.\n\nOnce you purchase a property, don’t forget to have an agreement drafted up by a lawyer so there aren’t any surprises when one partner eventually wants out of the deal.\n\nThis will make for a happy, and hopefully long-term, real estate partnership.\n\nAlan Harder is a partner with MortgagePal, on online mortgage brokerage with agents in BC, Alberta and Ontario.\n ![image](https://img.esteem.ws/4xme628nif.jpg)",
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2017/11/18 17:40:09
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2017/11/18 17:38:48
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bodyMillennials as a whole were brought up in a time of economic crisis, which means in general that we have no idea what we’re doing in life. Of course, this hasn’t been the script for the entirety of our lives, but generally we’re more wary of traditional investments and the overbearing economic system than previous generations. Nowadays, everything is financed. We spend thousands (sometimes hundreds of) of dollars on degrees that just don’t reward us like they used to. Then fall out into introductory employment positions with a nice sack of student-debt lugged across our backs. Life, as a whole, seems more and more expensive and we’re not really enthralled to dump money that we don’t really have into a market we don’t really trust. However, an investment that is overtly traditional, yet historically consistent, is real estate. All things considered, now is a fantastic time to invest in real estate as a millennial – and we’re going to tell you why. First off – the rent versus mortgage argument wins every time. As we’re encouraged to chase our dreams and breakoff from the traditional corporate job – we flee to big, overcapacity cities that have incredibly expensive rent. What is rent? It’s money that goes straight into a homeowner’s pocket. Buying a home, living in it, and paying a mortgage is an investment that not only sustains your current living situation, but contributes towards your future. Enough mortgage payments and you’re a homeowner. Hopefully by then the value of your property has appreciated. That’s the goal. As a whole, banks will trust you more. Once you have enough money to take out more debt (I know, terrifying! But listen to us for a second) then a bank is a lot more likely to trust you with a place of living over other investments. A bank isn’t going to jump onboard with you saying “I want to invest in a bunch of stocks” but it certainly will lend the money if you can prove you’re in a good position, have a job that can support your mortgage payments (or find a renter that does), and provide them with your good credit score (pay off those credit cards!). On top of this, home loans have a traditionally lower interest rate than almost any other type of loan. You’ll build credit, pay off a home, and wake up one day without payments and rather an asset. Also – there’s a lot of tax benefits of owning a home as you can leverage your mortgage interest against your income tax. That’s another thing to note here. This one might not be as convincing as the logistical “sell” of buying a home, but being a homeowner has huge emotional and stabilizing benefits. At the core of it, you have something valuable to your name. It’s yours. You treat it poorly, you’re going to lose on your investment. You treat it well, you stand to gain. Being that the home is an extension of you (and everyone can relate to this – even when renting) you’ll want to become more and more involved with the community. It could just be that glue that pulls your life together, settles you, and provides for your future financial stability. Buying a home is a means of directly investing in your future. If you have a knack for foresight, you might find that you buy a home which appreciates greatly in only a years’ time. As a whole, American homes generally appreciate 4% each year. That’s just a backdrop. But on top of that, it’s a material investment. One of which you have the means to maintain and look after and if all goes to plan will pay out well in your future (one home purchased, then another purchased with the appreciation of the first is the dream come true). Nick Evans of We Buy Houses Denver (a real estate company in Denver) says, “I decided to invest in a house at a young age and now I could honestly stop working entirely. I didn’t even know it at the time, but I was building the very blocks I’d step on in my later years).” We understand. Investing your hard-earned money is a difficult thing to do and equally as terrifying. But with the way the market is evolving, real estate is a prime way to plan for the future, sustain your living situation, enjoy a few tax breaks and supplemental income (if you rent it), and put your money towards something that will reward you later down the road. Millennials shouldn’t be apprehensive to get into the real estate market – they should do their own research, decide what’s practical based on their circumstance, and if the situation allows… invest in a home. Check out our guide to real estate investing in your 20s if you think this is the route for you. This article is featured on behalf of Andrea Gustafson ![image](https://img.esteem.ws/fnjkdiigud.jpg)
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      "body": "Millennials as a whole were brought up in a time of economic crisis, which means in general that we have no idea what we’re doing in life. Of course, this hasn’t been the script for the entirety of our lives, but generally we’re more wary of traditional investments and the overbearing economic system than previous generations.\n\nNowadays, everything is financed. We spend thousands (sometimes hundreds of) of dollars on degrees that just don’t reward us like they used to. Then fall out into introductory employment positions with a nice sack of student-debt lugged across our backs. Life, as a whole, seems more and more expensive and we’re not really enthralled to dump money that we don’t really have into a market we don’t really trust.\n\nHowever, an investment that is overtly traditional, yet historically consistent, is real estate. All things considered, now is a fantastic time to invest in real estate as a millennial – and we’re going to tell you why.\n\nFirst off – the rent versus mortgage argument wins every time. As we’re encouraged to chase our dreams and breakoff from the traditional corporate job – we flee to big, overcapacity cities that have incredibly expensive rent. What is rent? It’s money that goes straight into a homeowner’s pocket. Buying a home, living in it, and paying a mortgage is an investment that not only sustains your current living situation, but contributes towards your future. Enough mortgage payments and you’re a homeowner. Hopefully by then the value of your property has appreciated. That’s the goal.\n\nAs a whole, banks will trust you more. Once you have enough money to take out more debt (I know, terrifying! But listen to us for a second) then a bank is a lot more likely to trust you with a place of living over other investments. A bank isn’t going to jump onboard with you saying “I want to invest in a bunch of stocks” but it certainly will lend the money if you can prove you’re in a good position, have a job that can support your mortgage payments (or find a renter that does), and provide them with your good credit score (pay off those credit cards!).\n\nOn top of this, home loans have a traditionally lower interest rate than almost any other type of loan. You’ll build credit, pay off a home, and wake up one day without payments and rather an asset. Also – there’s a lot of tax benefits of owning a home as you can leverage your mortgage interest against your income tax. That’s another thing to note here.\n\nThis one might not be as convincing as the logistical “sell” of buying a home, but being a homeowner has huge emotional and stabilizing benefits. At the core of it, you have something valuable to your name. It’s yours. You treat it poorly, you’re going to lose on your investment. You treat it well, you stand to gain. Being that the home is an extension of you (and everyone can relate to this – even when renting) you’ll want to become more and more involved with the community. It could just be that glue that pulls your life together, settles you, and provides for your future financial stability.\n\nBuying a home is a means of directly investing in your future. If you have a knack for foresight, you might find that you buy a home which appreciates greatly in only a years’ time. As a whole, American homes generally appreciate 4% each year. That’s just a backdrop. But on top of that, it’s a material investment. One of which you have the means to maintain and look after and if all goes to plan will pay out well in your future (one home purchased, then another purchased with the appreciation of the first is the dream come true).\n\nNick Evans of We Buy Houses Denver (a real estate company in Denver) says, “I decided to invest in a house at a young age and now I could honestly stop working entirely. I didn’t even know it at the time, but I was building the very blocks I’d step on in my later years).”\n\nWe understand. Investing your hard-earned money is a difficult thing to do and equally as terrifying. But with the way the market is evolving, real estate is a prime way to plan for the future, sustain your living situation, enjoy a few tax breaks and supplemental income (if you rent it), and put your money towards something that will reward you later down the road.\n\nMillennials shouldn’t be apprehensive to get into the real estate market – they should do their own research, decide what’s practical based on their circumstance, and if the situation allows… invest in a home. Check out our guide to real estate investing in your 20s if you think this is the route for you.\n\nThis article is featured on behalf of Andrea Gustafson\n\n![image](https://img.esteem.ws/fnjkdiigud.jpg)",
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2017/11/18 02:51:54
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2017/11/18 02:51:45
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2017/11/18 02:50:54
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2017/11/18 02:50:33
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permlinkhow-to-invest-in-real-estate-20171117t21501681z
titleHow to invest in Real Estate
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steemcreated a new account: @deepbasi
2017/11/17 19:43:03
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Account Metadata

POSTING JSON METADATA
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JSON METADATA
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Auth Keys

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Public Keys
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