On August 4, 2006, the Census Bureau released estimates of population size and racial composition of various counties within the United States. Of US Counties with 1 million or more residents, the Bureau ranked the top 38 Counties by population size and racial make up.
San Diego ranked number 6 in population size, with an estimated 2,933,462 people as of July 1, 2005. Other counties in California also ranked in the survey as follows:
- Rank #1 – Los Angeles County (9,935,475 residents)
- Rank #5 – Orange County (2,988,072 residents)
- Rank #6 – San Diego County (2,933,462 residents)
- Rank #12 – San Bernardino (1,963,535 residents)
- Rank #13 – Riverside County (1,946,419 residents)
- Rank #17 – Santa Clara County (1,699,052 residents)
- Rank #24 – Alameda County (1,448,905 residents)
- Rank #25 – Sacramento County (1,363,482 residents)
- Rank #36 – Contra Costa County (1,017,787 residents)
The Census Bureau provided the following estimates of racial make up for San Diego County:
- White Alone Not Hispanic (1,533,940)
- Hispanic (864,116)
- Asian alone or in combination (347,134)
- Black or African-American alone or in combination (188,986)
- American Indian and Alaska Native alone or in combination (49,598)
- Native Hawaiian and Other Pacific Islander alone or in combination (28,986)
San Diego County consists of 18 incorporated jurisdictions as well as numerous unincorporated areas. The incorporated jurisdictions include: Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon, Encinitas, Escondido, Imperial Beach, La Mesa, Lemon Grove, National City, Oceanside, Poway, San Diego City, San Marcos, Santee, Solana Beach, and Vista.
In evaluating the largest cities in the United States, San Diego City ranked #8 with an estimated population size of 1,255,550. The top three most populated cities in the United States were New York City (8,143,197 residents), Los Angeles City (3,844,829 residents) and the City of Chicago (2,842,518 residents).
The estimate for all of California was as follows:
- Total Population (36,132,147 people)
- White Alone Not Hispanic (15,828,690 people)
- Hispanic (12,722,962 people)
- Asian alone or in combination (4,868,438)
- Black or African-American alone or in combination (2,690,805)
- American Indian and Alaska Native alone or in combination (696,633)
- Native Hawaiian and Other Pacific Islander alone or in combination (256,917)
For more information about demographic trends, visit the Census Bureau’s web site.

What use could life insurance be for retired people?

Your needs will change after you get your gold watch and leave your office or factory floor for the last time. But does that mean that your needs for a life policy will entirely evaporate? Well, the answer will probably be different, depending upon your own goals and financial situation. So how can you find a policy after age 65.

What are Your Obligations?

You may have watched your own children move out. In a perfect world, they will be educated and off supporting themselves, and maybe they will even have their own kids. You may still have a spouse who depends upon you, but his or her needs may be less than they were 30 years ago. The home mortgage that loomed large 2 decades ago has shrunken or been paid off (we hope). And again, in that same idea vision, debts are low, and there is some money in the bank to settle them if anything would happen to you.

Does this sound like you?

Well, this is a great picture of retirement, but it isn’t always the story with many people these days. Those kids do not always complete their education on schedule. With high unemploymet today, many young adults have not found a job. Adult children are coming home, and sometimes they even come back with their own children.

Did the Home Get Paid Off?

Sure, we all planned to pay off our mortgage by age 55. But then our jobs changed and we moved. Or we lost a job and had to refinance or take out a second mortgage. Sometimes those homes do not get paid off on schedule either.

Can Your Savings Survive a Problem?

If you needed to dig into your savings because of a medical problem, can you still leave your kids or spouse any money? Several months in a nursing home can wipe out a lifetime of savings. If you want to make sure that your heirs will be able to inherit something.

Would Paying for a Funeral and Final Expenses Be A Cash Burden?

US funerals can cost $8,000 or more. And that is money that usually needs to be produced right away. Would that expense be hard on your surviving spouse or kids? A small life insurance policy, designed to pay for senior final expenses, can be an affordable way to plan for that.

One Child is Qualified to Run the Business?

You can also plan for an estate transfer with a policy. Consider the case of a law firm owner. His daughter attended law school and is being groomed to take over the firm when he dies. However, he also has two sons who are not lawyers. Let us say that one grown child runs a sandwhich shop while another is a school teacher. In order to be fair, the law firm owner would like to leave his sons something, but would like to leave his daughter in charge of the law firm. A life insurance policy can provide a buyout option for the other surviving children when only one child will inherit a business.

Do Retired People Need Life Insurance?

If your savings and retirement income are adequate, and you do not have many outstanding obligations, you may not need to be covered. However older people can use a policy to plan for retirement and estate transfers.

Real Estate Agents…..
Who Are They…
Real estate agents are professionals instrumental in connecting the buyer with the seller.
Additionally, many real estate agents manage rentals wherein they introduce tenants to landlords and oversee the maintenance of the property on behalf of the landlords.
In most areas real estate agents are required to be highly educated, licensed and are regulated by a governing body.
Some real estate agents are also Realtors.
To use the title Realtor, a real estate agent must be a member of the National Association of Realtors which in addition to a number of other requirements, requires Realtors to adhere to a strict code of ethics and offers Realtors additional educational and designation opportunities.
Though not required by rule or law, it might be a wise decision to seek the services of a Realtor.
What Do They Do….
Real estate agents bring together two or more interested parties, perform those steps necessary to successfully conclude a transaction and charge a commission for their services.
For sales transactions, they charge commission to the seller while for rentals, commission is typically charged the landlord.
Real estate agents generally calculate their fee as a percentage of the selling price (in the case of a sale) and as part of the rent for rental units.
How Do They Do It…
People who want to sell or rent their property leave details of their property with the real estate agent.
Along with all property details the real estate agent will typically have keys to the house to facilitate showings.
The other interested party (i.e. the buyer/tenant), gets access to this information and to the property by contacting the real estate agent.
That’s how the real estate agent becomes a hub of information.
Contrary to some common misconceptions, real estate agents typically represent the seller or the buyer but rarely both.
Why Should I Use One…
First and foremost, to protect yourself. Real estate transactions are highly regulated, highly paper (document) intensive transactions.
The real estate agent possesses an in depth knowledge of the laws, rules, regulations, disclosures and documentation necessary to successfully complete the transaction to the satisfaction of the buyer, the seller and the law.
Because real estate agents are most familiar with local real estate market conditions, it is wise and makes sense to seek the advice of one to get an idea of the current trends and pricing for properties within that market.
A good real estate agent will know the prices (or price range) of various properties of different types and at various locations within the region.
Because of the real estate agent’s knowledge and expertise, property sellers often get a few thousand dollars more for their property.
Many home seekers, including seasoned real estate investors use the services of real estate agents to locate the best real estate bargains in the easiest and quickest manner.
Furthermore, the best agents analyze the wants and needs of a home buyer/tenant and provide valuable input as to the kinds of properties available to them within their budget. Therefore, a good real estate agent will not just present a list of available properties to the buyer/tenant but will actually discuss their needs and make suggestions.
The good real estate agent, working in this manner benefits in at least two ways…
First and most obviously, when the real estate agent is able to successfully complete the transaction the commission is earned and the real estate agent is paid…
and secondly, if they make the customer/client happy they earn a good reputation and often receive referrals (hence more business).
Worth Noting…
It is worth noting that there is a myth floating around that real estate agents only work on behalf of the seller, buyer beware.
This is not written in stone nor is it always the case. Real estate agents are, in most regions, highly regulated.
With few exceptions, real estate agents work either for the seller (as is the case with many listing agents) or for the buyer (as is the case for a buyer’s agent).
Additionally, some areas allow for dual agency where an agent can work for both the seller and the buyer or as a transaction broker where the agent represents the transaction itself and neither the seller nor buyer individually.
However, in the case of dual agency/transaction brokerage, note that rule, regulation (law) and ethics do not permit the agent to act in favor of either party while in detriment to the other.
If you are unsure of the relationship between you and your real estate agent, do not hesitate to ask.