美国说中文人数最多的18个州

9/02/2021

在美国说中文的人有很多，根据调查，中文是仅次于西班牙语，在美国使用最多的外来语种。本文就为您介绍美国说中文人数最多的18个州。

在美国，大约五分之一的公民出生在国外，97%美国人的血统不是美国人。

根据美国人口普查局2021年8月12日公布的数据，在过去十年中，亚裔美国人的增长速度超过其他少数族裔群体，人口数达到2400万，占美国总人口的7.2%。自2010年以来，亚裔美国人的人数增长了约20%。

根据美国人口普查局2021年8月12日公布的数据，在过去十年中，亚裔美国人的增长速度超过其他少数族裔群体，人口数达到2400万，占美国总人口的7.2%。自2010年以来，亚裔美国人的人数增长了约20%。

24/7 Tempo网站审查了2015～2019年5年间的美国社区（American Community Survey，简称ACS）外语使用数据，迄今为止，西班牙语是美国使用人数最多的外语，有4070万人在家中使用西班牙语，占美国人口的13.4%。除了四个州——缅因州和佛蒙特州（法语）、夏威夷（伊洛卡诺语，Ilocano）和阿拉斯加州（土著语）外，西班牙语是仅次于英语的最常用语言。

Fang (Winnie) Schreck | United Real Estate
Tel: 551-580-4856 | Email: F.WINNIE.S@GMAIL.COM

除西班牙语外，最常用的外语是中文（汉语），包括普通话，粤语和其它中国方言。美国大约有340万人（占总人口的1.1%）在家里说某种类型的中文，普通话和粤语是最受欢迎的。美国有18个州，中文是最常用的外语。

越南语紧随其后，美国有超过150万人使用越南语。美国有5个州，越南语是最常用的外语。

美国说中文人数最多的18个州

加州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：124万5,965
说中文人口占比：3.38%
总人口：3928万3,497

纽约州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：58万7,279
说中文人口占比：3.19%
总人口：1957万2,319

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新泽西州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：11万9,447
说中文人口占比：1.43%
总人口：887万8,503

华盛顿州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：11万5,095
说中文人口占比：1.66%
总人口：740万4,107

宾夕法尼亚州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：8万9,253
说中文人口占比：0.74%
总人口：1279万1,530

马里兰州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：7万0,166
说中文人口占比：1.24%
总人口：601万8,848

维吉尼亚州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：6万2,068
说中文人口占比：0.78%
总人口：845万4,463

乔治亚州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：5万0,846
说中文人口占比：0.52%
总人口：1040万3,847

北卡罗来纳州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：3万7,438
说中文人口占比：0.39%
总人口：1026万4,876

俄勒冈州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：3万2,665
说中文人口占比：0.84%
总人口：412万9,803

科罗拉多州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：2万4,384
说中文人口占比：0.46%
总人口：561万0,349

密苏里州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：2万3,480
说中文人口占比：0.41%
总人口：610万4,910

犹他州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：1万5,761
说中文人口占比：0.55%
总人口：309万6,848

爱荷华州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：1万2,259
说中文人口占比：0.42%
总人口：313万9,508

阿拉巴马州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：9,715
说中文人口占比：0.21%
总人口：487万6,250

德拉瓦州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：7,894
说中文人口占比：0.87%
总人口：95万7,248

爱达荷州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：4,921
说中文人口占比：0.31%
总人口：171万7,750

西维吉尼亚州

最流行的外语：中文（包括普通话、粤语）
在家说中文的居民人数：2,879
说中文人口占比：0.17%
总人口：1,81万7,305

Source

What is Gap Insurance & Do You Need It?

7/18/2021

Purchasing commercial real estate can be a stressful process and each transaction carries some challenges during the closing process. This is especially true right now, as the real estate industry and commercial buyers and sellers navigate business deals during a pandemic. Title insurance helps to mitigate the risk of issues that may arise concerning your property transaction. Gap insurance is one of the resources to help overcome specific issues during the transaction process.

What is Gap Insurance?

Gap insurance is an endorsement added to the title policy that provides additional coverage for title defects that may arise during a gap period. To better understand why gap insurance is valuable, it is important to understand how the gap period is defined along with other elements that come into play when title is being transferred.

Gap Period

A gap period may refer to the span of time in either or both of the following scenarios:

There may be a time period between when a document is submitted for recording and when it is actually indexed by the recording office and available for search, usually a matter of days. This means that title commitments and subsequent date-down searches may not include documents that have not yet been indexed.

In some states, it is common for transactions to close a day or more before the insured documents can be recorded. If the title insurance policy is dated as of closing rather than recording, there can be a gap in coverage because the documents do not take effect until they are actually recorded. Recent government office closures due to COVID-19 concerns have made this scenario more prevalent than usual.

Title Commitment: Preliminary Report & Commitment for Insurance

The title commitment identifies the property to be insured, the owner of the property and any title defects that may not be covered by the insurance, which are listed exceptions to coverage. These commonly include things such as liens and easements.

Date-Down Search

Most title agencies perform the date-down search of public records concerning the insured property immediately before closing on a purchase or loan. This notifies the parties of any title matters appearing in the public records after the date of the title commitment.

Do you need Gap Insurance?

Most title insurance policies provide coverage for defects that may arise during the gap period caused by indexing and search availability and coverage is generally not required. However, when a title policy is dated effective at closing, rather than recording, a gap insurance endorsement is added to title insurance to cover any items that may be discovered after the closing date (policy date) and before the recording date.

Landmark Title is Here for You

The Landmark Title team is highly experienced in handling complex real estate transactions. We are committed to taking care of all your escrow and title needs, providing a comprehensive, personal approach.

If you have questions about Gap Coverage or have questions regarding title services, please contact us at (602) 748-2800 or info@ltaz.com.

Source

How To Evict a Squatter: Why You Need To Act Quickly

By Eric Worral

7/04/2021

While squatters taking over your property might seem like something out of an old Western movie, it’s a very real thing that could happen to you or any other landlord.

Squatters in modern times are less likely to be outlaws trying to steal your property from you and are more likely to be disgruntled tenants or their friends who don’t want to pay to live on your land. That’s right; the tenants that you rent to can become squatters!

While this progression is thankfully not very common, the fact that it is relatively rare makes it an even more difficult situation for landlords to deal with. Most landlords wouldn’t know where to begin if they had a squatter situation.

Would you know how to serve an official eviction notice or whom to call to ensure the squatters are legally removed?

This is all information that you as a landlord need to know to legally protect your property without getting into accidental trouble, and our short guide can help you learn how to evict a squatter.

What is a Squatter?

Let’s start by defining what a squatter is. There is not a single definition, as squatters can arise from all different types of situations.

A squatter may be:

Someone who breaks into or enters a vacant property and begins living there
A tenant who stops paying rent and keeps living on the property
The roommate or subletter of a property that begins to live in a property past their rental period
Anyone who believes they have a right to live on a property that is not currently titled to them

The Damage Caused By Squatters

When a landlord first notices that a former tenant is overstaying their rental period or that their property is being lived in by unwanted guests, it may be confusing and even tempting to let them stay there for a few weeks in hopes that they will leave on their own.

As tempting as that idea maybe, you should never allow a squatter to remain uncontested on your property. In many states, this is what can ultimately lead the squatter to have squatter’s rights to your property.

If these rights come into fruition, evicting them will be even more difficult, so it’s important to know how to remove squatters efficiently.

Squatters do more than just occupy your property. These unwanted visitors can cause a lot of other grief and damage to your business:

An eviction process can take months or even years and is very expensive.
You will lose out on rent.
The property can (and likely will) be damaged.
Valuables held at the property can be stolen.
Utilities & other bills can pile up and put additional debt on the property.
The longer you go without contacting them about leaving, the stronger their case is to stay.

As you can see, allowing squatters to remain on your property is not an option, and you should act swiftly.

How To Evict a Squatter

Now that you know more about squatters and the damage that they can cause for your rental business, it’s time to learn how to remove squatters.

Note: The eviction process and how squatting is defined varies by city, region, and state. Always check your local laws before proceeding with any specific course of action. In most cases, the trespassers must be claiming residency via utilities or bills coming to the home in their name to be considered squatters. Squatting is a civil matter.

The process of evicting a squatter generally goes something like this:

Call the police immediately.
When you find someone on your property, call the police. They can determine if the person is a trespasser or a squatter. If they are a trespasser, the police will consider it a criminal issue and remove them. If they are a squatter, you will need to move on to civil court.
Serve an eviction notice.Serve the squatter with an eviction notice. Be sure to follow any local requirements about the information that must be included in the eviction notice. If the squatter leaves, you’re good to go. If not, move on to step 3.
File a lawsuit.If the squatter does not leave after being served, it’s time to file a civil lawsuit for their illegal use of your property. Check your state and local laws for details on which court you need to file with and what type of information you will need to present. You will have to attend an eviction court hearing.
Have the squatter removed.Once you win your case, you may still need to have the squatter removed. Once you have a final court decision, you can present this to local police to have the squatter legally removed. You may need to pay a fee.
Handle any belongings left behind.When dealing with squatters, you will often be faced with left behind property. While it may be tempting to immediately dump or sell the items, you may not be legally allowed to do so.

No matter what you do, make sure that you follow the local laws when dealing with squatters. Never use force or threats against the squatters even though it might be tempting to try to handle the situation yourself. Rely on the local government to help you get your property back.

**Jessie Huang, Mortgage Loan Professional, Meridian Bank Mortgage**

Preventing Squatters From The Start

Squatters most often become a problem when unreliable tenants overstay their welcome or invite others to do so.

The best way to prevent squatters from ever becoming an issue on your rental properties is to choose great tenants from the get-go.

Great tenants will not only occupy your rental for a longer period of time, but they will also pay rent on time while also respecting your property.

But how do you choose great tenants?

Choosing Great Tenants

This is a problem that many landlords face. They don’t know how to choose the best tenants for their properties!

When reviewing rental applications, every tenant can begin to feel familiar, and it can be difficult to differentiate great potential tenants from risky ones.

For a thorough lesson about how to choose great tenants, check out this article which includes step-by-step information on selection methods.

For now, these quick tips should help you to choose better tenants every single time:

Call references to confirm your gut feeling about a tenant.
Verify both employment and income.
Check national databases for eviction history.
Consider both credit score and background checks when reviewing tenants.
Be clear about your property rules & go over the rules with the tenant.

If you find it difficult to wade through the waters of tenant selection, it might be time to hire a tenant screening service to make the process more efficient. Putting in additional money to find the perfect tenant is worth it for the long-term profit improvement you will see at your property.

Be Patient With The Process

There’s no way to sugar coat it. If you are dealing with squatters on your property and have to file an unlawful detainer lawsuit to get rid of them, it is likely going to be a lengthy process to see them removed.

Still, you need to stick with the system: