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The Medicare Advisors in Byram
A Medicare advisor in Byram can make Medicare enrollment much more simple. A Medicare advisor will get to know you and your healthcare needs and then take the long list of plans and narrow them down into the ones that would be most beneficial to you. Once we know what you are looking for, we will compare plans across multiple carriers, ensuring we find beneficial coverage at a competitive rate.
If you use our Medicare services in Byram, you'll have no additional costs. We do not charge you anything to work with us. To get started, simply call our office and schedule a consultation!
- Compare Costs of Plans
- Estimate Your Savings
- Help You With Enrollment
What is Medicare?
Medicare is the federal program that offers medical coverage for individuals ages 65 and older. The program started in 1965 as a way for retirees to get health insurance. It also offers coverage for younger individuals who have been on disability for more than two years and to those who have been diagnosed with End-Stage Renal Disease.
Original Medicare: Parts A and B
Original Medicare is made of two parts: Part A and Part B. Part A offers hospital insurance to beneficiaries. You can think of Part A as your room and board for hospital stays. If you or your spouse paid Medicare taxes for ten years, you would receive premium-free Part A. If you have not met that requirement, you could pay up to $499 per month for Part A in 2022. The deductible for Part A is currently $1556. Once that deductible has been met, your coinsurance costs will depend on how many days you have spent as an inpatient.
Medicare Part B provides outpatient coverage. It will help pay for visits to your doctor, surgeries, diagnostic tests, durable medical equipment, and preventive services. Part B does have a monthly premium, which is $170.10 in 2022. That amount is the standard premium that most beneficiaries pay, but you could pay more if you have a high income. The Social Security Administration will use your Modified Adjusted Gross Income from your tax return two years prior to calculating your current premium. If you earned income above a certain threshold, you would pay an Income-Related Monthly Adjustment Amount or IRMAA. The annual deductible for Part B is $233. Once you have met your deductible, Part B will pay for about 80% of your outpatient services.
Part C: Medicare Advantage Plans
Medicare Advantage (MA) plans offer an alternative solution to Original Medicare. If you enroll in a Medicare Advantage plan, your benefits from Parts A and B will be moved into one plan. Private insurance companies sell these plans, often at very low monthly rates. (You'll still need to pay your Part B premium.) The only "catch" is that you must see a provider who participates in your plan's network. Receiving care outside the network will cost the beneficiaries much more out-of-pocket.
The majority of MA plans offer extra benefits, but the exact coverage will depend on the plan. You may get benefits for dental, vision, and hearing care, as well as coverage for prescription drugs. Some MA plans even offer gym memberships, transportation to and from medical appointments, and meal delivery.
Medicare Supplement Plans
If you choose not to enroll in a Medicare Advantage plan, you'll likely choose a Medicare supplement. A Medicare supplement will help pay for the leftover expenses from Parts A and B. They do not offer extra benefits as MA plans do, but you are not limited to a specific network of providers. If your provider accepts Medicare, they will also accept your Medicare supplement.
Coverage in a supplement is more predictable than in an MA plan. Medicare supplements are standardized, meaning that the coverage remains the same no matter who your purchase the plan through. There are ten supplements available to choose from. The most popular supplements leave the beneficiary with nearly no out-of-pocket expenses once the premiums are paid.
Part D: Prescription Drug Plan
Part D plans include prescription drug coverage. They can be purchased as a stand-alone option or included in your Medicare Advantage plan. Either way, all Part D plans are structured in a similar manner.
Each Part D plan has a drug formulary. The formulary lists all of the prescriptions covered by the plan and categorizes each of them into tiers. There can be anywhere from 3-5 tiers in a formulary. Prescriptions in lower tiers cost less than prescriptions in higher tiers. The annual deductible for the most part D plans is $480 in 2022. (It could be less, but it will never be more during the current year.)
Contact Your Local Medicare Advisor!


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Telephone: (01223) 352024 | Email: email@example.com
A guide to the tax and NIC advantages.
At Prentis & Co we can provide assistance and advice to employers in the Cambridge area in a wide range of areas. The following is an overview of the rules governing salary sacrifice...
When an employee gives up the right to receive part of the cash pay due under his or her employment contract, this is called a 'salary sacrifice' (sometimes known as 'salary exchange').
Q: Why would someone give up part of their salary?
A: Usually in return for the employer undertaking to provide some form of non-cash benefit – perhaps on-site childcare, or help with childcare costs, or a better company car.
Salary sacrifice is a matter of employment law, not tax law. However, HM Revenue & Customs will be keen to ensure that each element of an employee's remuneration package is correctly treated in accordance with tax and national insurance contribution (NIC) legislation. Thus tax and/or NICs will be charged on the replacement benefit, if that is what the rules say. However, in some cases the benefit is exempt from tax and NICs, which can mean that the reduction in net cash pay could perhaps be less than the value of the benefit provided.
The tax and NIC advantages of salary sacrifice schemes were removed from April 2017, except for arrangements relating to pensions (including advice), childcare, cycle to work schemes and ultra-low emission cars.
Where a salary sacrifice is claimed, there must be a proper contractual change evidencing that employees have given up the right to some of their cash pay in return for the benefit. There are two conditions that have to be met:
In other words, it is not sufficient if the arrangement allows employees to remain entitled to the higher level of cash remuneration and they have merely asked the employer to apply part of that cash remuneration on their behalf.
Before entering into a salary sacrifice arrangement, employees need to consider:
If you are an employer in the Cambridge area and would like to discuss salary sacrifice or any aspect of your business, Prentis & Co can help you – contact us today.

subset: commoncrawl


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As long as you have your loved ones with you, it doesn't matter if you have bread or, like in this case some spaghetti with mayonnaise to share!
Shaping Cultural Experiences
Travel has been an integral part of my life since I was a young child. I grew up in a multicultural, bilingual home in the Netherlands with a Polish mother and a Dutch father. My
Update & BBC News Link
A brief update: One interview video will be uploaded tomorrow evening. I believe the BBC News One-Minute World News provides well-balanced reporting of news, hence why I wanted to share it. Top stories on May
From Nigeria to Boston
When you first meet Oluwagbeminiyi Osidipe, you encounter a very vibrant, friendly, and unique personality. Oluwagbeminiyi or Niyi – as she shortened her name for simplicity – was named by her mother, who had a "very personal experience" when she had her, Niyi explained. Niyi is a Yoruba Nigerian transplant who arrived in the U.S. in 2006. As one of the most densely populated (West) African countries, Nigeria derives its name from the river that spans its land. To the South, it borders the Gulf of Guinea to the Atlantic Ocean. Originally colonized by the British, Nigeria gained independence in 1960. Its main ethnic groups are the Hausa, Igbo and Yoruba, who speak English and their own respective languages, while major religions include Islam, Christianity and indigenous beliefs. Niyi shares her story, her views on politics, cultural differences she's embraced with humor, and what we can learn from each other by expressing curiosity. Her message is simple: travel enriches us through its exposure to new cultures, and enables us to grow.
Mark Twain on Travel
"Travel is fatal to prejudice, bigotry, and narrow-mindedness, and many of our people need it sorely on these accounts. Broad, wholesome, charitable views of men and things cannot be acquired by vegetating in one little corner of the earth all one's lifetime." (American author Mark Twain, Innocents Abroad).
Have you had the opportunity to travel (extensively, within your country, or even once abroad)? Can you relate to Twain's sentiments? How does travel enrich us?
Pleasing The Taste Palate
Food has the wonderful quality of uniting us no matter where we are. There is nothing partisan or narrow-minded about food. It simply invites us to indulge, create recipes, and share with others. Two of my favorite Polish dishes (included in collage) are pierogies and barszcz czerwony – a beetroot soup – served on Christmas Eve in Poland. How does food bring us together? What are some of your favorite dishes and why? Can food trigger memories?
Stereotypes: Truth or Fiction?
DEFINING STEREOTYPES: "An idea or statement about all of the members of a group or all the instances of a situation." (Merriam-Webster). Stereotypes enable bias and preconceived notions to perpetuate, but can also reveal valid
Annual Human Rights Report
"The world changed immeasurably over the course of 2011. Across the Middle East, North Africa, and far beyond, citizens stood up to demand respect for human dignity, more promising economic opportunities, greater political liberties, and
Euro Crisis & Emerging Stereotypes
Brief Crisis Breakdown Since the onset of the global financial crisis, or Great Recession, in 2007, the Eurozone has feared impending growing global debt levels, as well as sovereign debt within European countries themselves. In
Remembering Tiananmen
Today marks the 23rd anniversary of Tiananmen Square pro-democracy protests in Beijing, China. Inflation, a lack of career prospects, the fall of Eastern European communism, and political corruption, are all said to have fueled anger
Coffee's Uniting Power
A cup of coffee can bridge cultural gaps. At least, that's what Gizem Salgicil White, founder of Turkayfe.org, believes. Her organization aims to create awareness of Turkish culture, particularly within America. Gizem is a Turkish native,


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Online Divorce in Calhoun County, Georgia
Make your divorce process seamless and straightforward by using Divorce Online Georgia assistance service.
Filing for Divorce in Calhoun County, Georgia (GA)
There are several methods available to get a divorce:
• Divorce with a lawyer
Full-scope divorce attorneys handle everything in the case, from start to finish, and advocate their client's interests. They also must represent their clients in court if necessary.
• Divorce mediation
Mediation is a type of alternative dispute resolution that implies that divorcing parties may not have a lawyer at their side. Instead, they work together to reach an agreement under a neutral mediator's guidance.
• Collaborative divorce
In Collaborative Divorce, each spouse has their own attorney specially trained in Collaborative Law. Both lawyers and spouses are assumed to work towards a peaceful resolution of all issues without a trial.
• Unbundled legal services
An unbundled divorce lawyer provides limited scope representation. This approach suits the cases where the client wants a lawyer to handle only particular aspects of the case.
• Do-it-Yourself divorce
Do-it-yourself divorce (called "Pro Se dissolution of marriage" in legal terms) means that a person acts in a divorce proceeding without a legal representative on their behalf.
DIY-divorce is a legit option, but not every divorce case can be successfully arranged without a lawyer. This
approach best suits simplified uncontested cases, where the spouses reach an agreement concerning the terms of
their separation.
If the spouses want to manage their divorce independently in Georgia, they should know the
procedure peculiarities, Family Law, and court rules.
Proper paperwork is a crucial matter, even in the simplest divorce case. And at this stage,
DivorceOnlineGeorgia.com may be helpful.
This online divorce assistance service enables the spouses to get the needed forms completed quickly and prepare
for a DIY divorce in Calhoun County with no hassle.
- All Required Georgia State Forms
- Georgia-Specific Court Filing Instructions
- Unlimited Revisions for as long as your account is active
Online divorce in Calhoun County, Georgia (GA)
Online divorce is popular among couples who want to arrange a divorce without an
attorney but don't want to spend time on paperwork.
DivorceOnlineGeorgia.com offers an affordable solution to prepare for an uncontested divorce with
minimum effort.
This DIY divorce assistance service customizes all the documents according to your case's
peculiarities, the state's family law, and local Calhoun County court rules.
A user can be sure that two days after completing our online questionnaire, they will receive the printable
petition and other divorce forms for their case, and the judge will approve them.
- Answer a couple of questions on the homepage to see if your divorce case can be processed online.
- Provide your case details so that we can prepare a unique package of divorce papers that meet both Calhoun County courts' requirements and the peculiarities of your case.
- After two business days, when your documents are ready, you will receive an email notification. Log in to your account and download the printable forms in PDF-format.
- File the initial divorce paperwork in your local courthouse. We will provide step-by-step instructions on how to do this.
Get your hassle-free divorce


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This stunning rockabilly cardigan from Banned Apparel, can be a go-to staple piece for years to come! The style is available in several appealing colors and in plus sizes also.
The cardigan pointelle detailing, long sleeves, plunging scalloped neckline, a figure accentuating fit, ribbed cuffs and hem and it fastens with front large statement buttons.
Material - 48% Viscose, 24% Nylon, 28% Elastane
Click here for the Banned Apparel sizing guide (International size conversion chart - opens in a new window)
There is only a single delivery charge per order, for all countries. Delivery charges do not increase for orders of multiple items, even if we have to despatch your order in several parcels.
European Delivery - Currently Suspended Due to Brexit Difficulties
Lightweight - £19.95
Mediumweight - £29.95
Heavyweight - £48.95
Super Heavyweight - £84.95
Most items are delivered in the UK within 1-4 days and International within 5-10 days, however, some brands may take a little longer.
When we receive an order we will email as soon as possible with the estimated delivery time. If you are unhappy with the expected delivery time, we will cancel the order and refund your payment.
If for any reason you are unhappy with your purchase, you can return it to us for a refund of the purchase price, excluding any delivery charges, or for an exchange for up to 30 days from delivery. International exchanges may incur additional delivery charges. Items returned must be in the original saleable condition. This does not affect any statutory rights under UK law. Returns of clothing, bags and accessories have a handling/restocking charge of £3 per item and £5 per item for larger items such as coats, jackets and corset/dresses.


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The effectiveness of The Way to Happiness and the impact of its activities are the reasons the Way to Happiness program commands the respect and support of teachers, health instructors, school counselors, police officers, community leaders, government officials, students and parents around the world.
Three hundred law enforcement agencies, government agencies and organizations have partnered with the Way to Happiness Foundation and are using the booklet, curriculum and materials.
The Way to Happiness Educator's Packages have been made available to more than 8,000 educators, human resource officers and correctional officers for use in schools, universities, correctional facilities and corporations throughout the world. More than 12,000 schools have used the Way to Happiness materials.
Prison programs utilizing The Way to Happiness have delivered an education program in 1,500 correctional facilities in 38 countries to some 150,000 prisoners.
Through the support of the Church of Scientology, the Way to Happiness program has become a global grass-roots movement that is bringing trust, sanity and calm to a troubled world.
The international network of volunteers and supporters of the Way to Happiness now spans 186 nations. Representatives from groups dedicated to improving moral standards continue to adopt this booklet for their own use.
The Way to Happiness doesn't compromise a person's existing religious beliefs or social status. In a sense, it is all-pervasive. Whether a Muslim or Hindu, even a nonbeliever, it can make a very telling message that is relevant to your own circumstances. —Prime Minister (Ret.), Republic of Guyana, South America
The Way to Happiness is a perfect tool for rehabilitating these youth. What distinguishes this organization from other nongovernmental organizations is your philosophy and how to apply it to educate and rehabilitate people. You go a long way to ensure that your theory is matched with practice. I am thankful for the work you've done and look forward to a continued partnership to expand this program. —Minister of Youth and Social Development, Lagos State, Nigeria
It is truly a guide to living a happy and productive life. The day-to-day challenges we face often seem insurmountable. However, honesty and kindness are contagious. The sharing of these traits will make our world a better place. —Undersecretary of the Army, Washington, DC
By encouraging young people to set a good example, supporting student efforts to get drugs off school campuses and helping to forward standards of honesty, trust and competence, the Concerned Businessmen's Association of America [employing the Way to Happiness program] is to be commended and congratulated. Your program is inspirational. Your determination is outstanding. Your message is phenomenal. To the businessmen involved with this remarkable program, I extend my sincere congratulations. Your efforts will blaze a trail that others must certainly follow. —Former Governor, California
I commend you on your effort to show the various cultures of the world how to live in harmony. I look forward to the day when we all follow the principles that your book outlines. —United States Senator
I am writing this letter in reference to one of the greatest books I have come across in quite a while—The Way to Happiness. As a police officer, many situations that I see, along with other officers, are often sad ones. So many people seem to be unable to pull within themselves to find good. The Way to Happiness book encourages people to search for the goodness within themselves and spread that goodness to others. Your book The Way to Happiness is the most needed set of writings that has ever been written down. The timing could not have been more perfect. Being in this line of work, your book has been a welcome insight. —Police Officer, Hartford, Connecticut
I want to give my sincere thanks for the seminars given to the 180 police officers covering the 21 precepts of ethics and morals from The Way to Happiness. These seminars have given us a good lesson and an understanding of the importance of being a police officer, which means setting a good example for the community and society. —Commander, Metropolitan Police, Bogotá, Colombia
The project, based on the book The Way to Happiness, has positively impacted several areas of my division. In these key areas, I have seen the project contribute to a decrease in crime, as well as result in positive improvement among members of the community. In one particular area, there was a decrease in crime by over 30 percent in a 6-month period. —Captain, Police Department, Los Angeles, California
I would be out of a job, quite happily, if we used the Way to Happiness program everywhere. If people had respect for each other, they wouldn't be doing bag snatches. There would be no assaults or domestic violence. There would be no theft. There would be no crime, really, if everybody stuck to the rules of The Way to Happiness. —Senior constable, Chiefly Local Area Command, New South Wales, Australia
I think The Way to Happiness booklets is most useful in giving structure to families where it is lacking or not effective. Since positive values are the basic foundation for building a strong family life, this booklet can help by focusing on trust, love, honesty, the Golden Rule and enhancing life rather than destroying life. —Family Services, California
Your book offers many no-nonsense suggestions for living a healthy, drug-free life. We are fortunate to have organizations like yours assisting in the drive towards healthy living. —Deputy Director, Citizens' Advocate Office, Colorado
The book The Way to Happiness should be an inspiration to everyone. By following the advice contained in the book, there is no doubt that all will benefit personally and successfully across life's path. —City Mayor, California
We frequently refer our employees to the book to help them work out personal problems. Frankly, the book is a contributing factor to our success. —Executive training officer, Burbank, California
The Way to Happiness gives me strong, stable tools to use to clarify the real issues involved with staff, vendors and in solving contract issues. It enables me to do the right thing and make sound ethical decisions. It is a powerful tool for today's business world. I highly recommend The Way to Happiness to anyone in business and in life in general. —Vice President for Computer Technology, International Media and Entertainment Company, U.S.
The Way to Happiness provides valuable guidance to my class. The junior high school age range is a questioning period for youth and your booklet is just what the students need. It makes them think, and establishes values all too often missing in today's world. —Teacher, California
After using The Way to Happiness with our students, there was no fighting, no violence and no trouble—a complete reverse of what had been occurring before. —School Headmaster, Tel Aviv, Israel
The Way to Happiness is important because it establishes a framework for what young people are going to do with the rest of their lives. You're talking about a pathway. You're talking about an opportunity to start to make some decisions that can govern your future. The Way to Happiness is something that every superintendent strives for. —Superintendent of City Schools, New York
With the support of the Way to Happiness Foundation, more than 1 million copies of The Way to Happiness were distributed in Palestine and Israel. It is making a big difference. It can play the role of rehabilitating both peoples. The Ministry's Committee on Improving Education has directed all school counselors to teach the Palestinian children using The Way to Happiness. —Deputy Secretary of Education (Ret.), Palestinian Authority


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The City of Campbell CA History, Neighborhoods, and Demographics Overview
Questions About the Current State of the Real Estate Market in the City of Campbell CA? Contact Me Now
For your convenience, you will find below a summary of some basic information you should know about the city of Campbell. Campbell is a city located in Santa Clara County, California. It is a suburb of the city San Jose and is situated in the heart of Silicon Valley. The city covers an area of approximately 6.9 square miles and has an estimated population of around 40,487 people according to the 2023 census. 1). City of Campbell CA: Creation summary 1777: The area now known as Campbell was originally part of the Spanish Mission Santa Clara de Assis land grant. 1851: Benjamin Campbell, a farmer, bought 160 acres of land in the area that would later become the city of Campbell. 1878: The railway arrived in the area, and a depot was built in what is now the city's downtown. 1887: The town was officially incorporated as the Town of Campbell, with a population of around 600 people. 1900s: The town grew as orchards were planted and the canning industry developed in the area. 1952: Campbell was re-incorporated as a city, with a population of around 5,000 people. 1960s: The city experienced significant growth as Silicon Valley's technology industry began to boom. 1980s: The city's downtown area underwent a major revitalization project, which included the construction of new retail and office buildings, as well as the creation of a pedestrian-friendly streetscape. 2000s-present: The city continued to grow and develop, with a focus on sustainability and environmental responsibility. 2). City of Campbell CA: General information The city of Campbell is known for its charming downtown area with a variety of shops, restaurants, and cafes. Downtown Campbell is home to several events throughout the year, including among other thigs a weekly farmers' market and a summer concert series. Campbell is also known for its parks and outdoor recreation opportunities. The city is home to several parks, including the John D. Morgan Park and the Stojanovich Family Park, which offer playgrounds, sports fields, and picnic areas. The Los Gatos Creek Trail also runs through the city, providing a scenic route for walking, jogging, and cycling. The median age of the residents in Campbell is 41.9 years old. Approximately 95.3% of residents over the age of 25 have a high school diploma or higher, and 53.3% have a bachelor's degree or higher. Campbell is also known for its good rated schools, which are part of the Campbell Union School District and the Campbell Union High School District. Some of the schools in Campbell were the recipients of the California Distinguished School Award. For more information about the Campbell schools, please click on the links below: School tips http://www.sophiadelacotte.com/pages/2394/school-tips School locator http://www.sophiadelacotte.com/local-schools Housing: The majority of residents (55%) own their homes, while 45% rent. Overall, the Campbell neighborhood is a highly desirable place to live. 3). City of Campbell CA: Most popular neighborhoods Here are some of the most popular neighborhoods in the City of Campbell, California: Downtown Campbell: This is the city's central business district, with a variety of shops, restaurants, and cultural attractions. It is known for its historic buildings and tree-lined streets, as well as its lively nightlife scene. Downtown Campbell offers a mix of housing types including single-family homes, townhouses, condos, and apartments. Pruneyard/Dry Creek: This neighborhood is located on the eastern side of Campbell and is known for its large shopping center, The Pruneyard, which includes shops, restaurants, and a movie theater. The Pruneyard area is known for its mix of residential and commercial spaces, and there are several newer apartment buildings and townhome communities in this neighborhood. The Dry Creek area, which is located just east of the Pruneyard, features a mix of single-family homes and townhouses, many of which were built in the mid-20th century. San Tomas: This neighborhood is located on the western side of Campbell and is known for its suburban feel, with many single-family homes and parks such as the John D. Morgan Park, which features a playground, picnic areas, and sports fields. The San Tomas neighborhood is primarily a residential neighborhood with a mix of housing types, including single-family homes, townhouses, and apartments. Hamilton: This neighborhood is located on the northern side of Campbell. It is a popular area for families with children. It includes a mix of housing types: single-family homes, townhouses, and condos. Westmont: This neighborhood is located on the southern side of Campbell and is known for its proximity to the Los Gatos Creek Trail, as well as its suburban feel with many single-family homes. The homes in this area tend to be mid-sized and older, with many of them built in the mid-20th century. Westmont is also known for its tree-lined streets and well-maintained parks, making it an attractive area for families.
What my clients are saying
I am so glad I engaged Sophia to sell my deceased Uncle's townhouse on behalf of his trust. She applied her experience, professionalism, and work ethic to prepare the property and present it to the market ASAP. She found a great contractor and made sure it was listed as a two-bedroom with the MLS, she was at the property on a Saturday watering the plants, and holding ladders for the contractor to make sure that ducts were connected correctly... I could go on about the excellent service. I am so impressed. I'm very satisfied with the selling price and the timeline from listing to sale. Thank you, Sophia. You are a real one!
~ Myrrhia R. - Trustee Sale
I originally worked with Sophia a few years ago to sell my brother's house. When it came time to sell my mom's house this year, I didn't hesitate to go back to her. Both times I've worked with Sophia, she had all of the contacts and experience to get the house ready to sell in as hassle-free a way as possible. Sophia took the time to walk me through everything so I felt confident on each decision along the way, from talking me through the paperwork to reviewing market research for the asking price to discussing incoming offers. She kept me in the loop every step of the way and made sure I always knew what was coming next, all with a real knack for clearly explaining her thought process and strategy. Sophia is the epitome of a responsive, approachable, and ethical professional, and will treat you like a true partner in the selling process.
~ Trish V. - Seller
Sophia did a superb job of selling our house. She is the consummate professional. She's highly efficient, anticipates issues, and is easy to work with. Her legal background proved invaluable as we were selling a house in a trust and she knew exactly how to handle this. Sophia even rolled up her sleeves and spent quite a few hours helping us fix up the house we were selling. We highly recommend her.
~ Gary. G - Trustee Sale
We live in a mid-century modern home in Palo Alto, and Sophia gave us insightful guidance on upgrades with the most impact. She has a keen eye for details and was able to immediately spot places that needed repairs. She also provided guidance with high-impact minor changes like improvements to doors, fixtures, and closets. Beyond advice, she was then able to recommend trustworthy contractors in her network that would take small remodeling jobs. During this time we could also appreciate Sophia's legal background, particularly her ability to answer our questions about regulations and advise us on preventing conflicts. In addition to an impeccable work ethic, Sophia also has outstanding marketing skills. In short, if you are looking for an outstanding real estate agent, take Sophia.
~ Catherine B. - COP
I am incredibly grateful to have worked with Sophia Delacotte as a real estate agent. She was responsive, and direct, and made sure every single step as well as her strategy was carefully explained throughout the whole process of buying a home. She listened to my needs and preferences and showed me properties that matched them perfectly. She was always available to answer my questions and address any concerns I had along the way. When we finally found the right product, her phenomenal negotiation and paperwork handling skills made the whole closing experience smooth and quick. I was looking for a first-time home purchase in the bay area and I found it thanks to Sophia. I am very satisfied with my purchase, and I would highly recommend her to anyone looking for an exceptional real estate agent.
~ Raphael B. - Home Buyer
Sophia Delacotte is a trusted REALTOR serving the San Jose, CA area. With her years of experience and in-depth knowledge of the local real estate market, she is dedicated to helping her clients achieve their real estate goals. Sophia takes a personalized approach to every transaction, working closely with each client to understand their unique needs and preferences. She is committed to providing exceptional service and attention to detail, ensuring a seamless and successful buying or selling experience. Whether you are a first-time homebuyer, a seasoned investor, or looking to sell your property, Sophia Delacotte has the skills and expertise to guide you through the process. Contact her today to learn more about how she can help you achieve your real estate goals.
~ Freddie J. - Investor
Sophia is a consummate professional and applied no pressure on us to hire her but was more than willing to spend whatever time we needed answering questions. After the decision was made to engage her services she proceeded to efficiently and effectively market our home. She not only provided excellent advice on what needed to be done to prepare the home but also provided multiple resources to do any work that was required. She was always available to answer questions and there was never a delayed response. She kept us updated consistently along the progression to placing the home on the market. It truly seemed there was not a single issue with which she could not guide us in making a sound decision. She stayed constantly abreast of market trends and helped us to determine the timing and final listing price. We received multiple offers within a few days of the open house, virtually all above the asking price. The escrow closed in less than one month.
~ ~ Carole H. - Trustee
Sophia is a true expert when it comes to understanding and conveying real estate trends and the current market. She explains her marketing strategy, and provides options but leaves the decisions up to her clients. Sophia was very direct and proactive in resolving unexpected challenges when they came up. If you are interested in buying or selling a home I would encourage you to contact Sophia.
~ Valerie P - Seller
Sophia Delacotte is truly one of San Jose's outstanding real estate professionals! She is very knowledgeable of the area markets, is extremely thorough, diligent, and personable, and represents her clients with integrity. She has a nice way about her and is all business which is exactly what we were looking for from our agent. Sophia represented us in an estate sale and was able to sell the property very quickly so that we could settle the estate efficiently. She really knows the market and her approach to the sale was spot on! We received multiple bids and sold the property for more than the asking price…amazing! She managed the entire process effectively, keeping us informed every step along the way. She was always available if we had questions or wanted to discuss anything related to the transaction. We could not have been better served nor more pleased. We would definitely recommend Sophia to anyone looking for a professional who delivers results! She is the best!
~ Daryl F. & Richard S. - Trustees
Sophia is THE expert in our Real Estate market. We could not have completed our sale as easily or as successfully without her expertise. Sophia is knowledgeable, professional, available, knows our market inside and out, is a great communicator, well organized, stays on schedule, answers all questions, shares great resources, is a decision-maker, and provides guidance. Sophia gave 100%.
~ Donna J.- Trustee Sale
I first met Sophia a few years back at a financial gathering that my wife and I were invited to. She sat at our table and was smart, energetic, and engaging. So when my brother passed away and his duplex went into probate, our family lawyer suggested her and I immediately decided to go with her experience. That was a decision that made life much easier for me and my family. She led every step of the process with integrity, energy and know-how. We didn't want to put money into the duplex so she helped get it ready to sell and she coordinated the resources that made it look so much better. She took me through all the paperwork with ease, constantly updated me on the process, and gave me a lot of confidence that everything was being done professionally. The place sold way over what I thought it would with multiple offers. If I need a realtor again, I would not hesitate to work with her, and I would recommend her to others.
~ Jake. V - Seller Probate
Sophia Delacotte staged, listed, and sold my condo. An incredible experience. Sophia was thorough timely efficient and knowledgeable. I highly recommend her.
~ Mimi H. - Seller
Sophia is an expert in her field and a gem to work with! She is highly detail-oriented, proactive, efficient, and comes to the table prepared, and with solutions that reflect her years of experience and resources. Her background in law was especially useful for our situation. We enjoyed her direct approach and the way that she gains trust through follow-through and action that reflects her extensive knowledge and stature in the industry. We would recommend Sophia and use her again if given the opportunity! Thank you, Sophia, for making the sale of our home as smooth and painless as possible!
~ Noelle &Chris B. - Sellers
Sophia is an outstanding real estate professional! She is thorough, diligent, incredibly knowledgeable, and represents her customers with integrity. I reached out to Sophia because she had amazing reviews and she impressed me from our initial meeting all the way through to closing. She was able to sell my home for the price I wanted, and I don't think it would have been possible without her help. She drove the entire process but was always available if I had questions or wanted to discuss anything associated with the sale of my home. Sophia turned a potentially stressful high-dollar real estate transaction into an enjoyable experience and I would definitely recommend Sophia and I would hire her again for my real estate needs.
~ Fardin Y. - Home Seller
Sophia was extremely helpful in the process of purchasing a condo. We did a lot of the search long-distance and she was excellent at picking places that prioritized the needs I had expressed over our phone calls. She was also extremely helpful in coordinating with the title company and the loan officer in order to ensure a smooth buying process. I really appreciate her hard work and diligence throughout the process.
~ Morgan M. - First Time Home Buyer
Buying a property is very exciting but also stressful and Sophia was the perfect partner who lead us to great success. Having a competent and trustworthy agent by your side like Sophia is THE key to success. She would know where to look for potential red flags when touring houses or checking disclosures. She helped us prioritize the important features we wanted in a house. She would finalize the whole offer within a day or two, highlighting the key aspects with their implications, and take the time to explain her recommendations to us. She would double/triple-check to make sure everything looks good. She stood by us at every single step of the process until we officially became homeowners! Her work ethic, amazing negotiation skills, dedication to customers, combined with her background in law, made us confident that we could not have found anybody better. And did I mention that her blog is an incredibly useful resource for first-time buyers?
~ Damien K- First Time Home Buyer
My wife and I have sold two homes with Sophia. She raises the bar so high, that I can't imagine calling anyone else. At the same time, she takes the time to explain everything. She works out a strategy for each property and explains her thinking for every aspect. She knows the ins and outs of real estate -- what is and isn't worth time, effort, and money. At the end of every deal, I've always been glad she's on our side. Especially after seeing the closing price. My last sale was a property that was part of a trust, and she helped make sure I had everything needed to make that sale go as smoothly as possible. Bottom line: I simply cannot recommend Sophia highly enough. She is a true partner for her clients, taking on much of the stress around a sale, and working tirelessly through every aspect of a real estate negotiation. Her knowledge, guidance, and tenacity are invaluable. You will be glad she's on your side.
~ Brent M. - Seller
We were extremely pleased working with Sophia on a sale of our Willow Glen home. She made a sound market analysis, developed a sale strategy, made recommendations on what upgrades were worth making and what not, provided excellent help with a staging, guided us on all stages of the process, and negotiated a sale bringing us $180k over the asking price and free one month rent back. We can highly recommend Sophia for anyone's real estate needs. She is highly professional, and her vast knowledge of the field, including legal aspects, unique negotiating skills, work ethics, experience and complete dedication make her a top notch realtor, head and shoulder above your average Silicon Valley real estate agent. She can be trusted to match and exceed your goals.
~ Alex & Rachel S. - Homeowners
We felt very fortunate to have Sophia on our side during a recent "long-distance" real estate purchase. I see other reviewers using terms like "relentless," "devoted," and "detail-oriented" which are also true but don't fully describe her. This is closer: Sophia is like having another you, except she knows what she's doing, she is everywhere at the same time, and she seems to be able to devote all of her enormous energy to tracking the complex pieces of the deal and getting your problem solved. Sophia may have been more invested in our transaction than I was! Whenever some issue presented itself my wife would ask "what are we going to do about that?" I'd say "I told Sophia." Done. In short, you can fumble through a huge transaction and hope that you are doing everything properly and aren't getting cheated or missing something or making or a huge mistake, or you can hire Sophia.
~ Tim F. - Buyer Investment Property
Everyone who works with Sophia says to you that she is relentless, detail-oriented, and not shy to put on pressure so that things get done. Sophia worked with us on finding a home back in June 2020 and by November we've moved into a place we're really happy about. She was understanding about our preferences, patient about the search, and prepared to spend months with us until the right house showed up that checked all the boxes. She also let us explore midsummer when we started wondering about other neighborhoods or living situations. Where Sophia really distinguished herself was once we put an offer on a place that we were really serious about. She was available all night and day (she even stayed up with us calling the mortgage broker and the selling agent at 10:30 at night until we had confirmation). Sophia, we couldn't have done it without you. Thank you so much for your kindness and your persistence.
~ Christian B. - First Time Home Buyer
We can't say anything but the best about our buying experience with Sophia as our agent. We had come across some new developments in Hayward and fell in love with the plans and finishes at Sohay and it happens that a friend of ours lived there. Long story short, he connected us with Sophia and the process was smoother than butter. Sophia was all over the developer with moving things along, even during shelter-in-place and provided us with timely responses. She also didn't balk when we had stupid first homebuyer questions. From what I hear, since we bought "new" the process may be a bit easier. None-the-less, it was complicated to us but Sophia made the entire contract, loan process and finally closing, palatable with her guidance. I'd recommend her as anyone's agent (buying or selling), we'll definitely be working with her in the future. Thanks so much again Sophia!
~ Norman D. - First Time Home Buyer
This is our 5th transaction with Sophia and she delivers every time! Her marketing to sell our property was outstanding and she is always pro-active in making sure that all the parties involved (title company, other agents, loan officers) respected the deadlines to close on time.
~ Sean M. - Buyer/Seller
Sophia was recommended by the lawyer for my dad's estate because we might encounter inchoate legal issues. Instead, we encountered a pandemic that slowed and complicated every aspect of the process, but Sophia proved adept with that too. She used the period of enforced idleness to thoroughly research the market for an old house in a unique neighborhood and zeroed in on just the right asking price to suit my needs under the difficult circumstances. When we were finally able to list the property, it sold in less than a week for more than we asked, without contingencies, to just the right people for our family home. Sophia has an excellent team (inspectors, cleaners, repair people, photographers, office staff) that whipped things into shape efficiently, and her good reputation with other realtors and title companies led to a smooth operation without delays. Everyone is happy about the results, I'm relieved and grateful for Sophia's expert guidance throughout, and she made it seem so easy!
~ Maureen A. - Trustee Sale
Sophia is one of a kind agent. Unlike many agents out there who only care about their commission, Sophia truly cares about her clients' interests. She is extremely knowledgeable, very responsive and detailed oriented. She guided us throughout the whole process carefully and patiently and made everything easy for us. She did not count her time to respond to all of our questions, to help us with the staging of our home (which was challenging during Covid-19 time) and to review all the documents one by one with us diligently. She is AMAZING!!! I would highly recommend Sophia to anyone who is looking for a top notch agent. She is a true professional, loyal and a genuinely nice person.
~ Julie A. - Relocation
We've been extremely pleased with Sophia's help in selling our house. Her deep, data-backed expertise of the Bay Area real estate business combined with her attention and care for her clients make her the perfect real estate agent. Sophia takes pride in being fully transparent and frank with her clients, while at the same time fighting for the best possible outcome for them. We couldn't recommend her more highly to people wanting to sell their Bay Area house
~ Raphael L. - Seller
Sophia is the BEST! We recently decided to sell our home of 41 years and move to a bigger place. We were both dreading this process as we'd had only one other experience buying real estate and neither of us remembered much about it! We bought the first house new, and had no experience at all at selling. Sophia was on top of everything, at all times, and made the entire process much smoother than either my husband or I had anticipated. Her legal background and extensive knowledge of the real estate world made everything so easy for us. She took the worry out of our sale, and made buying this next house a pleasure. She really knows her stuff, and as someone else here said, she reads every word of every contract or legal document! She is good at explaining things as well. We could not have asked for a better experience, and are so glad we found Sophia. You will be very glad you chose her too!
~ Lois G. Purchase Contingent to Sell of Her Home
Sophia represented me when I was selling my property. She is the consummate professional. She had a clear plan and was very good with communication and follow-up. She produces results and I was very satisfied with the sales price. Highly recommended.
~ Cara A. - Investment Property
Sophia is an excellent Realtor. We found her by referral made by our family Lawyer. She took the stress out of old memories and made the sale of my Fiancé's family home fun. Excellent suggestions on the home remodeling being sold led to the highest sale in the neighborhood at the time. It also led to my condo sale 2 years later that just closed today. We used her again with the same results as in the past. My brother is now utilizing her skills to sale his home of 40 years and purchase a new country home. She became like part of our little family of 3 and we enjoyed her visits.
~ Stefen G. - Seller
Buying a home is stressful, meeting Sophia was a blessing. With our busy schedules she kept us focused and worked too many late nights with us "sorry Sophia" with us on offers. She was the calming factor for us during inspections and negotiations. When we did find the right house, we had a great team, but if it wasn't for Sophia overseeing everything and keeping everyone in the loop, I know we would have had undue stress that we didn't need. Sophia truly goes above an beyond. We owe her a lot
~ Lisa B. - Foreclosure Purchase
I live in New Hampshire and became the trustee of my aunt's estate in California. I was out in CA for a week to find the best real estate agent to sell her place which involved working with a trust and a long distance seller. Sophia won the listing. She was nothing short of amazing. She had the place listed within a week and offers within the month. She took care of everything. I am so grateful to her for making this process as simple as it could be. I highly recommend her.
~ Lynn W. - Trustee Sale in Senior Community
Sophia is foremost a professional who is skilled at negotiating for the benefit of her clients. We were truly and pleasantly surprised by the conditions she was able to negotiate for us on top of selling the property under an accelerated timeline. Her professionalism is complemented by her thoroughness and work ethic. Sophia is also kind and goes beyond and then some to help her clients. Despite having closed over a month ago, Sophia is still helping us through challenges with the Property Management company!
~ Harry H. - 1031 Exchange Tenants Occupied
As a Santa Clara County attorney, I have sought Sophia Delacotte's advice on real estate transactions. Sophia has consistently given me the best advice. I highly recommend Sophia for her outstanding negotiation skills, superior knowledge of the real estate market, devotion to her clients' best interests, superior results".
~ Michel R. - Lawyer
Sophia is dedicated to each of her clients, helping us to understand the process and setting up the schedule for all elements of preparing the house, publicity preparation and marketing, staging, photography, and open houses. She made recommendations regarding what upgrades to the property would be beneficial and which would not. She scheduled meetings with us and with the inspectors and followed up on each item. I have just noted the 102 emails we exchanged through this process. Even while on a short vacation out of the country, Sophia made time to coordinate the things that needed to be done to review and accept an offer. I would definitely recommend Sophia Delacotte to friends.
~ Phil C. - Trustee Sale
My dear friends needed my help to sell their investment property in San Jose and I'm a realtor in San Diego. I reached out to Sophia and she was very responsive and promptly reached out to my friends and helped them navigate through the sale of their investment property. Sophia is very professional, knowledgeable and hardworking! Sophia is simply the best when it comes to communications with all parties from beginning all the way to closing. Will absolutely refer all my Bay Area friends and family to Sophia for their Real Estate needs.
~ Jennifer W. - 1031 Exchange
Sophia is simply the best from the beginning all the way to closing. Very professional, knowledgeable and hard working! Enjoyed selling our house with Sophia!
~ Mo Y. - Seller
I honestly don't know what I would have done without Sophia's help. The property – a condo in downtown San Jose – needed to be sold quickly. Despite HOA litigation and adversarial market conditions, Sophia quickly and professionally arranged for the condo to be cleaned, staged and shown. Sophia also made sure the condo took center stage on Redfin and Zillow. Within just a few days, the condo had garnered thousands of views on various real estate sites. In no time at all we had a number of interested buyers and investors making inquiries. In record time, Sophia negotiated a great price and skillfully closed the deal. I would highly recommend Sophia for any real estate transaction in the Bay Area.
~ Andrew E. - Sale In Connection With a Divorce
Sophia is an amazing realtor. Because of her years of experience, her knowledge of the laws and her high work ethics, she simplified our part in selling our property in a very short amount of time. She is totally engaged in her clients welfare and takes on the majority of the work. She is a delightful, caring person and an absolute jewel to work with. She made this selling process so easy for us. Sophia is exceptional in her field. We are so grateful to have had her as our agent.
~ Diana S. - Trustee Sale
Sophia was amazing to work with. Because of her years of experience in Real Estate and Law, she made the sale of our property so easy. She provided us with needed resources and guided us through all the necessary steps. Sophia is totally committed to us with daily update communication. She is very organized, driven and a true professional. She has a charming personality and made us feel secure in all our decisions. We are very grateful that we found her thru Yelp when we needed to sell our property fast.
~ Am N. - Trustee Sale
I have known and worked with Sophia for several years. She is hard working, smart, and knows exactly what needs to get done. You and your family would be fortunate to have her on your side.
~ Steve M. - Sale Tenants Occupied Property
We were very pleased with our relationship with Sophia and the overall outcome. When we found out we had to sell our house quickly we began to search for who we connected with but also who was best qualified. We connected with Sophia due to her no nonsense approach, attention to detail, availability and her great understanding of the legals that surround the sale of a home. While doing all that she was very pleasant and personable. I would use Sophia again and recommend her to anyone looking to buy or sell. Thank you Sophia!
~ Ben C. - Relocation
An excellent person for your real estate needs. Sophia felt like family and had very positive ideas during the remodeling stages that we incorporated into the final sale. She is a hard working agent and replied almost immediately to our inquiries. We had no problems and the final sale was in a matter of a few weeks once listed. We highly recommend her for your property.
~ Stephen G. - Sale Investment Property
Smart, efficient, capable, honest, hardworking are just a few of the descriptions that come to mind to describe the amazing service provided by Sophia. She goes above and beyond expectations to be of assistance to her clients.
~ Linda S. - Probate Sale
Sophia is wonderful! She helped us find the perfect buyer for our bizarrely beautiful house. She made the whole process such an easy affair and made sure all the I's were dotted and T's were crossed so that the sale went more smoothly than I ever imagined would be possible.
~ Darrel B. - Relocation
Sophia is The Best. Professional, Ethics and Result oriented, Look nowhere else and get in touch with Sophia. My family is very proud to have worked with her and she delivered more than expected. We learnt so much and are thankful to her. We Wish Sophia the Best.
~ O. V. - Investor
Sophia helped my mother sell her house , while also helping her with overwhelming circumstances. Her sales strategy was impressive, and got my mother way more than she ever thought. She then helped her find a new house , perfect for her. All the while personally helping her with trying circumstances. This woman has the patience of a saint ! Her skills , integrity, knowledge, sincerity, and incredibly endearing personality would serve anyone looking to buy or sell ,or honorary member of the family for that matter. She's that good. Would not only recommend her, but go out of my way to steer someone her way. You simply cannot go wrong with Sophia.
~ Wally P. - Trustee Sale
Sophia is the most amazing Real Estate professional I have ever seen in action. She puts her client's interests first and goes to incredible lengths - above and beyond what one would expect. I am an attorney and have been practicing for over 25 years and have worked with and observed many Realtors over the years. Sophia is head and shoulders above the rest. Her care, attention to detail, and whole person approach are outstanding. She is the best that I have ever seen.
~ David B. - Trustee Sale
Sophia has been my agent twice, one time to sell and the other to buy. Thanks to her skills and experience, she was able to help us through each step of the process and get us great deals. I particularly appreciated her proactive attitude to get things done, and her amazing attention to details to make sure nothing slipped through the cracks. Each time we also got praise from the other parties about her professionalism.
~ Julien R. - Sale Investment Property
Sophia has gone above and beyond in regards to helping my wife and I find a new home for our expanding family. She is very informative in all aspects of buying a home! I highly recommend her!
~ Josh M. - Investor
Working with Sophia was a great experience. She is not only a trustworthy person, but she also always had my best interest in mind. She showed me various condos and explained the pros and cons of all properties which made my decision to choose the right condo easier. She constantly followed up with all the parties involved to make sure the home buying process went smoothly. This is evidenced by the fact that we closed right on time! She even made sure all the repairs were completed to my condo before I moved in. I would recommend Sophia to anyone who wants a realtor that will fight for them every step of the way.
~ Sean M. - First Time Home Buyer
I worked with Sophia Delacotte several times of the last 18 months. She sold my home with suave and suggested some another great agents remotely for my relocation. There was: honest and frequent communication; clear expectations; and fairer than average rates from the start; no sandbagging; a watchful eye and excellent management of all aspects of the process and contracts. Other realtors in the last decade had really left me with a negative opinion of agents, but Sophia made a name for herself and removed my bias. I'm also glad for Sophia's eagle-eye for legal trouble, so when it came to here recommendations for covering ourselves, I followed them without hesitation. Suggestions on what needed fixed, and encouragement for transparent disclosures is important in California. Buying and/or selling a home can stressful, but it was fun with Sophia for myself and my family
~ Kyle B. - Relocation
Sophia Delacotte is thorough, knowledgeable, and helpful. She assisted me with the sale of my townhouse in San Jose. It sold after one open house, and I received multiple offers. Sophia screened all of the offers and recommended the offers which would close with the least amount of hassles or surprises. She is extremely knowledgeable about the real estate market. With her legal background, she is a strong and effective advocate for your side of the transaction. Sophia always kept me in the loop, was clear with what she needed, and the timing of the response to what she needed. She is a pleasure to work with, responsive, and committed to making the entire process go as smoothly as possible. I highly recommend Sophia and would definitely work with her again in the future.
~ Bonnie B. - Relocation
Sophia has been very professional throughout the process of my house purchase. She was very patient as I was quite particular about what I want with the budget I have. Sophia was also very helpful and very knowledgeable. She is a very good realtor.
~ Jackson T. - Investor
When we met Sophia for the first time, on a Sunday afternoon, we were immediately struck by her professionalism and competence. With skill and patience, she navigated us through the complex and confusing steps of getting pre-approved for a loan, viewing the house, putting down an offer, and learning when to walk away. As first-time home owners, we were nervous and uncertain. Sophia gave us invaluable advice and encouragement during the ups and downs, and her knowledge of the real estate business and housing market always led us in the right direction. One of our favorite things about having her as our agent was that she made herself constantly available. She met with us every weekend for three months to check out houses we liked, and she was always savvy about the state of the house and what might appear on the disclosures. She struck the perfect balance between giving advice and allowing us to form an opinion ourselves.
~ Maria J. - First Time Home Buyer
Sophia was a dream to work with. She handled a very difficult short sale for my wife and I. Without her help we would have been lost. She was a great negotiator and partnered with us to help explain every piece of paper that we had to sign as well as assisting us gather proper documents an information all the parties needed. I can't recommend her more highly.
~ Nate M. - Short Sale
Sophia helped my wife and I during our house search this summer. She was incredibly diligent, honest and forthright. Unlike a typical agent she actually advised us against couple of houses due to issues she discovered in the disclosures (she reads every word). As first time buyers we were easily seduced by appearances but Sophia kept us grounded! Definitely look forward to working with her again and would definitely recommend her services to friends.
~ Sarang R. - First Time Home Buyer
Sophia has a sign in her office which reads "tenacity" which describes her commitment to her clients and her ability to follow through on a transaction. She's a great (full time!) agent to work with, and as a first time home buyer. I can't express how important it was to have her by our side to help us every step of the way. She's straight-forward (former lawyer), and french (former Parisian city girl), which only adds to her charm. Beyond her great work ethic, she conducts herself by the book with an uncommonly high degree of professionalism. Sophia will look out for your interests, and protect your privacy. While I'm happy to have a home (thanks Sophia!), my wife and I will miss having her as our agent.
~ Stephen R. - First Time Home Buyer
I am so thrilled that I chose Sophia Delacotte to handle the sale of my condo. Having had my first sale fall through two years ago at the fault of my realtor and title company, I was very nervous about going through the process again.Sophia's confidence and ability was unwavering. She is very thorough and detailed, and her great follow-through skills assured me that nothing would slip by unnoticed.Everything went smoothly with the sale, even with my many unconventional secondary loans. Escrow closed on time, and I received my funds quickly. I would recommend Sophia to anyone buying or selling a home.
~ Radel S. - Seller
I was a first time home buyer in the US market, and Sophia has been fantastic helping me understand the whole process. I am so glad I hired her as my agent. She made every step go really smoothly and I have now found my dream house in the Bay area! She has been very responsive and quick to react when I needed offers to be put together. I strongly recommend Sophia for a Bay area acquisition, especially for non US citizens who are not familiar with local practices.
~ Sylvie B. - First Time Home Buyer
Sophia Delacotte is thorough, knowledgeable, and helpful. She assisted me with the sale of my condo. The condo sold after one open house, and I received multiple offers. Sophia screened all of the offers and recommended the offers which would close with the least amount of hassles or surprises. She is extremely knowledgeable about the real estate market. With her legal background, she is a strong and effective advocate for your side of the transaction. Sophia always kept me in the loop, was clear with what she needed, and the timing of the response to what she needed. She is a pleasure to work with, responsive, and committed to making the entire process go as smoothly as possible. I highly recommend Sophia and would definitely work with her again in the future.
~ Laurie O. - Seller
I had to sell my house fairly quickly because of a move and imminent wedding. Sophia proved to be the best choice I could have made. She was extremely resourceful and guided me expertly through paperwork and expectations. The house sold after only two open houses, and we received multiple offers. I was also very satisfied with the price obtained. In addition, she made the whole process as painless as can be. Sophia provided very solid support, and her legal background was very helpful to navigate the documents required. I was glad she was on my side! I highly recommend Sophia Delacotte as your real estate agent.
~ Yves E. - Relocation
It was wonderful having Sophia help my mother sell her house. She went above and beyond our expectations, and was very patient when addressing my mother's concerns, making the process as smooth as possible. The house sold on the first open house, and we received multiple offers. Sophia screened all offers to make sure the one we chose would close without any surprises. I highly recommend Sophia to anyone needing a great realtor.
~ Phil R. - Relocation
We used Sophia again this Spring as we had to move to reduce my commute. Sophia not only helped us to sell our house in record time but also was very diligent in managing the multiple offers market - she carefully analyzed all the options and helped us dot the i's and cross the t's with choosing the right offer and family. When it came to finding our new home Sophia pulled out all the stops to ensure we got the home we wanted. Sophia built a strong relationship with the selling agent and ensured that our interests were protected. Staying up late into the night negotiating she secured the home we were looking for. Sophia also advised us throughout the process and made sure we did not just settle on any home - someone we can rely on with strong values a great work ethic and her customers interests being number 1.
~ Amin D. - Buyer
We have Sophia as our realtor for close to 3 years and think she is really awesome. She makes it a point to understand our needs and gives us good advice on the market swings and how to offer on the properties that we were interested in. She doesn't push us and respect our thoughts and looks out for us. She always makes time to see us even if it is at the very last minute and helps us through the whole process from inspecting the house and seeing if it fits our needs and personality, to thoroughly asking the buyer's realtor and being absolutely professional in giving a good image to the seller and his/her agent. We bought our new home in 2014. Sophia stayed with us throughout the whole process till escrow was completed and was always still available to help us after.She is well connected and referred us to a great loan agent who gave us the best interest rate and helped us close in 14 days. We will definitely ask her to assist us again if we are going to buy or sell in the future.
~ Stan A. - Buyer
Sophia is the kind of person who makes your house dream come true. That was our case. Sophia listens to you and suggests places that work for you. She tailors time and resources for your special needs. Since we met her the house hunting was accurate and in a few weeks we were able to bid and get our dream house. After many years of house ownership, my wife and I feel very lucky we met her.
~ Angelo M. - First Time Home Buyer
It's really hard to find an agent who is looking out for you and your needs. Sophia cares for her clients deeply and understands what we want. She will go above and beyond to assist us in meeting the deadlines and helps us with understanding the intricacies of offering and the market trends.
~ Surt A. - Buyer
Sophia Delacotte was the selling agent for our home in San Jose, California in September 2013. We were in contract for the sale in about three weeks. Sophia was a consummate professional from our first meeting, to our open house and through to our move out of state. She is extremely knowledgeable about the real estate market and, with her legal background, a strong and effective advocate for your side of the transaction. She is also a pleasure to work with, very responsive and is committed to making the entire process as stress free as possible. I highly recommend Sophia as an agent who is head and shoulders above most others in the profession. I feel we were fortunate indeed to have had her as our agent.
~ Kathy D. - Relocation
Because of Sophia's clever strategy we made our offer sight unseen. We are now the proud owners of a Condominium. Because of her tireless efforts she made the whole process seamless. Thank you Sophia for all your hard work!!
~ Margie A - Investor
Sophia made my short sale purchase as easy as it could be. Honest, tough, does what you ask. I was very pleased. She Made sure I had all the right inspections to protect myself.
~ Paul B. - Foreclosure Purchase
As a mortgage originator for over 15 years, I have worked with hundreds of real estate professionals. Sophia is actively involved with the purchase from the time of pre-approval to closing. However, it does not end there. She maintains a business relationship with her clients and is there to assist with any needs from service providers to home information. Her clients are her priority and they are fortunate to have such a fine professional representing them.
~ Camille D. - Buyer Loan Officer
Great advice , incredibly efficient! Sophia successfully guided us to buy a house in a very competitive market, and helped manage the transaction every step of the way. You'll want her on your side!
~ Caroline M. - First Time Home Buyer
I have found Sophia to be a thorough, ethical, and extremely competent real estate professional. Her knowledge of this challenging real estate market and her passion to advocate for her clients is remarkable. I have worked with many realtors and I count Sophia at the very top of her profession. I have complete confidence that if you are looking for a no-nonsense real estate professional, you will find one in Sophia Delacotte.
~ Marc A. - Relocation
Sophia is the most honest, ethical and loyal realtor I have ever worked with. To this day, I remember her telling me that if the sale wasn't in my best interest, she wouldn't feel comfortable representing me. It was very refreshing to know that the client's best interest was her foremost concern. She stands by her clients from the beginning of the process until the ink is dry on the final document, and follows up after the sale to ensure no hidden obstacles have emerged. She is diligent in her efforts to manage the process of a home sale with all parties involved. She keeps her clients informed every step of the way and works tirelessly to forge a positive outcome. Sophia is also like a member of the family. She displays a true and genuine concern for the welfare of her clients and displays this not merely through words but through her actions. Without hesitation I would recommend her to anyone in need of a realtor that is transparent, ethical, and a true professional.
~ Greg Z. - Short Sale
Sophia is very thorough, knowledgeable and helpful. The short Sale process is confusing and worrisome but Sophia was able to help me navigate the paperwork, deadlines and legal jargon. She was respectful, responsive and most importantly, she delivered results! I recommend her.
~ Ann A. - Short Sale
I will relocate with my family from Europe to Silicon Valley in summer 2012. Early in my quest to find a home, I was very fortunate to identify and work with Sophia Delacotte, a Realtor with Coldwell Banker in Almaden San Jose. Her help has been invaluable every step of the way from presenting our offer to the close of escrow a few months later. She has been remarkably helpful in particular with regards to dealing with all financial complexities attached to a cross border transaction. Thanks to an amazing sense of attention to details, she masterfully coordinated the entire transaction with all stakeholders and parties involved and made us feel completely safe about buying our first home in the USA. She has clearly exceeded all my expectations and provided a level of service largely beyond the call of duty of a regular real estate agent. I highly recommend Sophia to anyone looking to make a real estate investment in the Bay Area.
~ Nadia K. - Relocation
My wife and I met Sophia socially, and she offered to advise us in our search for investment property in another city. Since then, she has been incredibly generous with her time, and has given us precious recommendations on what deals to go for, or run from. We are very grateful and wish her the greatest success.
~ Michel B. - Investor
Working with an agent like Sophia is like a breath of fresh air. She is diligent about providing information when requested and quick to respond to needs, or concerns. Her dedication to her transactions, from beginning to end, helps to insure quick and timely closings.
~ Heather C. - Investor
Sophia helped us purchase our first home, she was patient and addressed all our concerns. She's very responsive and I couldn't have picked a better real estate agent. She is the best!!!
~ Sal C. - First Time Home Buyer
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We met Sophia at an Open House and immediately clicked with her. We have worked together for several months now on various property and development projects. As her clients, we find her exceedingly smart, dependable, and thorough. On our very first collaboration with Sophia, she worked long and hard, carrying us through every detail. She had our back the entire time so we had peace of mind throughout. She's a real pleasure to work with; any client would be lucky to have her in their camp
~ Nora N. - Investor
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MD5(3) NetBSD Library Functions Manual MD5(3)Powered by man-cgi (2024-03-20). Maintained for NetBSD by Kimmo Suominen. Based on man-cgi by Panagiotis Christias.
MD5Init, MD5Update, MD5Final, MD5End, MD5File, MD5Data -- calculate the RSA Data Security, Inc., ``MD5'' message digest
Standard C Library (libc, -lc)
#include <sys/types.h> #include <md5.h> void MD5Init(MD5_CTX *context); void MD5Update(MD5_CTX *context, const unsigned char *data, unsigned int len); void MD5Final(unsigned char digest[16], MD5_CTX *context); char * MD5End(MD5_CTX *context, char *buf); char * MD5File(const char *filename, char *buf); char * MD5Data(const unsigned char *data, unsigned int len, char *buf);
The MD5 functions calculate a 128-bit cryptographic checksum (digest) for any number of input bytes. A cryptographic checksum is a one-way hash- function, that is, you cannot find (except by exhaustive search) the input corresponding to a particular output. This net result is a ``fin- gerprint'' of the input-data, which doesn't disclose the actual input. MD2 is the slowest, MD4 is the fastest and MD5 is somewhere in the mid- dle. MD2 can only be used for Privacy-Enhanced Mail. MD4 has been crit- icized for being too weak, so MD5 was developed in response as ``MD4 with safety-belts''. When in doubt, use MD5. The MD5Init(), MD5Update(), and MD5Final() functions are the core func- tions. Allocate an MD5_CTX, initialize it with MD5Init(), run over the data with MD5Update(), and finally extract the result using MD5Final(). MD5End() is a wrapper for MD5Final() which converts the return value to a 33-character (including the terminating '\0') ASCII string which repre- sents the 128 bits in hexadecimal. MD5File() calculates the digest of a file, and uses MD5End() to return the result. If the file cannot be opened, a null pointer is returned. MD5Data() calculates the digest of a chunk of data in memory, and uses MD5End() to return the result. When using MD5End(), MD5File(), or MD5Data(), the buf argument can be a null pointer, in which case the returned string is allocated with malloc(3) and subsequently must be explicitly deallocated using free(3) after use. If the buf argument is non-null it must point to at least 33 characters of buffer space.
md2(3), md4(3), md5(3), openssl_MD2(3), openssl_MD4(3), openssl_MD5(3) B. Kaliski, The MD2 Message-Digest Algorithm, RFC 1319. R. Rivest, The MD4 Message-Digest Algorithm, RFC 1186. R. Rivest, The MD5 Message-Digest Algorithm, RFC 1321. RSA Laboratories, Frequently Asked Questions About today's Cryptography.
These functions appeared in NetBSD 1.3.
The original MD5 routines were developed by RSA Data Security, Inc., and published in the above references. This code is derived directly from these implementations by Poul-Henning Kamp <email@example.com>. Phk ristede runen.
No method is known to exist which finds two files having the same hash value, nor to find a file with a specific hash value. There is on the other hand no guarantee that such a method doesn't exist. Copyright (C) 1991-2, RSA Data Security, Inc. Created 1991. All rights reserved. License to copy and use this software is granted provided that it is identified as the "RSA Data Security, Inc. MD5 Message-Digest Algorithm" in all material mentioning or referencing this software or this function. License is also granted to make and use derivative works provided that such works are identified as "derived from the RSA Data Security, Inc. MD5 Message-Digest Algorithm" in all material mentioning or referencing the derived work. RSA Data Security, Inc. makes no representations concerning either the merchantability of this software or the suitability of this software for any particular purpose. It is provided "as is" without express or implied warranty of any kind. These notices must be retained in any copies of any part of this documen- tation and/or software. NetBSD 9.3 May 22, 2018 NetBSD 9.3