More than just real estate.
Now that we are happy that interest rates are on the way down from an already reasonably low level, we can all ponder why am I not investing in Real Estate? after all we are hearing every day that this is the best time to be a buyer or an investor in Atlanta Real Estate.
Let take some advice from someone who is an Atlanta Investor, John Adams, the guru of Atlanta Real Estate.
Real Estate Investments Yield Income on a Monthly Basis
One of the questions I am most frequently asked is this: In a world of financial opportunities as diverse as it has ever been, why would anyone want to invest directly in rental real estate? It’s a good question, and one that deserves a response.
And because I have owned and managed residential real estate for more than thirty years, it’s hard for me to relate to the question. I admit that I eat, sleep, and breathe rental houses, and it’s been that way for a long time. But I do keep up with alternative opportunities, so I think I can be objective.
As a preface, I question the use of the word "investment" as it applies to residential real estate. The act of investing has been defined as "the laying out of capital in an enterprise with the expectation of profit," and that sounds fairly passive. Most people who think of investing in something don’t expect to have to work at their investment.
For example, when you buy 100 shares of stock in a company, you have made a decision to leave the management and direction of that company to the board of directors. Not only that, the board of directors is not likely interested in your opinions on which way the company should move.
Instead, you pay cash for the stock and hope for dividends. In addition, it is hoped that the stock will, over time, go up in value. Typically, there is nothing you can do to personally affect the company performance. That is a passive investment.
Residential real estate is different. It requires some level of personal attention to make it successful.
Some people have described ownership of rental real estate as a second job, and there is definitely a "hands-on" component. But management of a rental house can be delegated to a property manager or a real estate professional, so you can minimize the owner’s day to day involvement.
Even so, I consider rental houses to be an active investment.
Once you have gotten past the basic management difference between real estate and other investments, the true major benefit of real estate becomes clear.
It is income. Rental real estate generates income. That income arrives in the form of monthly rental payments, and can begin on the first day of ownership and continue indefinitely.
Some critics would say that, in a low interest rate environment, many of those who have rented in the past have moved out of rental property and purchased homes of their own. And while that is true, the fact remains that more than one-quarter of all households in this country pay rent every month.
In recent years, our government set of goal of increasing home ownership, and we have seen a strong increase in first time home buyers. But that rate now stands at 77 percent, and further advances are increasingly difficult. Those who rent today either choose to do so for the sake of convenience, or find loan approval much more difficult as a result of income or credit issues.
And with home prices advancing faster than wages, along with recent interest rate increases, it is likely to become harder for first time buyers in the future, not easier.
The remarkable thing about the income that can be generated by residential real estate is that the income can pay for the investment.
To my knowledge, there is no other mainstream investment that the average person can buy which requires little cash up front and pays for itself over time. And that’s because lenders have found that lending a large percentage of a home’s purchase price is usually a safe bet.
The ability to easily borrow a large portion of a home’s purchase price is called leverage, and is another key advantage of real estate.
Many homeowners become landlords when they need to move to their next house and are unable (or unwilling) to sell their current residence. Rather than sell for a reduced price, they may decide to rent, simply to cover the payments. This is a viable alternative for many owners.
If you decided to move around in metro Atlanta every two or three years, and keep your old house every time you move, you could build up quite a portfolio. And there is effectively no limit to the number of times you could repeat this procedure over a period of years.
Government subsidies of the home lending industry make it possible to borrow almost the entire purchase price at relatively good rates, which are locked in for as long as thirty years. And this type of financing is simply not available to any other investment.
The combination of income and leverage creates a powerful opportunity which requires little cash in the beginning, then produces income to cover payments over the life of the investment.
This type of self-sustaining model is simply not available for mainstream investments like the stock market, precious metals, or bonds. Instead, real estate has unique advantages which make it extremely attractive to the investor who understands the risks involved.
John Adams Money99.com
Wednesday, November 26, 2008
Hurrah, Interest rates going down
More than just real estate.
Well we now have a new President elect, who is currently choosing his cabinet in double quick time.
But what else is happening out there to help with the financial stress in the Real Estate market?
The newly announced Federal Government Plan is an Important Move for Real Estate
Following the Fed’s announcement of its plans to buy up to $600 billion in mortgage-backed assets, the housing industry welcomed this solution, citing Main Street and mortgage rates as the direct beneficiaries.”This is one of the key actions we’ve been advocating ever since the Treasury altered its course on how it would use the $700 billion recovery package passed in September. This is great news for home buyers and sellers and we applaud the Fed for taking this historic step,” said NAR President Charles McMillan, a broker with Coldwell Banker Residential Brokerage in Dallas-Fort Worth. “Housing recovery is the key to economic recovery in this country and it always has been.”
To support the mortgage markets and bring down mortgage rates, the nation’s home builders also called on federal officials to clearly affirm that the government will provide long-term guarantees for the debt and securities purchased by Fannie Mae and Freddie Mac.
Investors are confused over the extent of federal support for long-term obligations held by the housing government sponsored enterprise (GSEs) and that uncertainty has pushed spreads on GSE debt in relation to Treasury yields to record highs, Jerry Howard, president and CEO of the National Association of Home Builders (NAHB), said in a letter to Treasury Secretary Henry Paulson and Federal Housing Finance Agency Director James Lockhart.
“As a result, mortgage rates are at unacceptably high levels, which is forestalling recovery of the housing market and creating a major drag on the economy,” Howard added.
In yesterday’s announcement, the Fed said it would purchase mortgage-backed securities from Fannie Mae, Freddie Mac, and Ginnie Mae for up to $500 billion. “This will be critical to a housing recovery,” McMillan said.
Lawrence Yun, NAR chief economist, said purchasing debt obligations of Fannie and Freddie is an important move. “We commend the Fed decision because it will directly bring down long-term interest rates,” he said. “The level of investment should be aggressive enough to bring interest rates down in a meaningful manner. As we’ve seen in past recessions, home sales rise when mortgage interest rates fall.”
Yun said that given the present state of the mortgage market, interest rates on 30-year fixed-rate mortgages are too high. “If Fed action brings down mortgage interest rates by even 1 percentage point, it would increase homes sales by 500,000 units. That should help to draw inventory down and stabilize prices.”
Yun said higher home sales are critical now to absorb inventory and stabilize prices. “Only with stabilization in home prices can we have a healthy housing and economic recovery,” he said.
In its announcement, the Fed said it will purchase up to $100 billion of GSE debt from primary dealers through a series of competitive auctions to begin next week. Purchases of up to $500 billion in MBS will be conducted by selected asset managers before year-end. Both the direct obligations and MBS purchases are expected to take place over several quarters.
It also will purchase another $500 billion in mortgage-backed securities, which consist of mortgage loans that are packaged together and sold to investors. These securities, viewed as toxic now because so many mortgages are going unpaid, are at the heart of what’s weighing down troubled banks. Purchasing them is intended to free up bank lending, which would spur the economy.
© 2008, McClatchy-Tribune Information Services. RISMEDIA, Nov. 26, 2008-(MCT/RISMedia)-
Well we now have a new President elect, who is currently choosing his cabinet in double quick time.
But what else is happening out there to help with the financial stress in the Real Estate market?
The newly announced Federal Government Plan is an Important Move for Real Estate
Following the Fed’s announcement of its plans to buy up to $600 billion in mortgage-backed assets, the housing industry welcomed this solution, citing Main Street and mortgage rates as the direct beneficiaries.”This is one of the key actions we’ve been advocating ever since the Treasury altered its course on how it would use the $700 billion recovery package passed in September. This is great news for home buyers and sellers and we applaud the Fed for taking this historic step,” said NAR President Charles McMillan, a broker with Coldwell Banker Residential Brokerage in Dallas-Fort Worth. “Housing recovery is the key to economic recovery in this country and it always has been.”
To support the mortgage markets and bring down mortgage rates, the nation’s home builders also called on federal officials to clearly affirm that the government will provide long-term guarantees for the debt and securities purchased by Fannie Mae and Freddie Mac.
Investors are confused over the extent of federal support for long-term obligations held by the housing government sponsored enterprise (GSEs) and that uncertainty has pushed spreads on GSE debt in relation to Treasury yields to record highs, Jerry Howard, president and CEO of the National Association of Home Builders (NAHB), said in a letter to Treasury Secretary Henry Paulson and Federal Housing Finance Agency Director James Lockhart.
“As a result, mortgage rates are at unacceptably high levels, which is forestalling recovery of the housing market and creating a major drag on the economy,” Howard added.
In yesterday’s announcement, the Fed said it would purchase mortgage-backed securities from Fannie Mae, Freddie Mac, and Ginnie Mae for up to $500 billion. “This will be critical to a housing recovery,” McMillan said.
Lawrence Yun, NAR chief economist, said purchasing debt obligations of Fannie and Freddie is an important move. “We commend the Fed decision because it will directly bring down long-term interest rates,” he said. “The level of investment should be aggressive enough to bring interest rates down in a meaningful manner. As we’ve seen in past recessions, home sales rise when mortgage interest rates fall.”
Yun said that given the present state of the mortgage market, interest rates on 30-year fixed-rate mortgages are too high. “If Fed action brings down mortgage interest rates by even 1 percentage point, it would increase homes sales by 500,000 units. That should help to draw inventory down and stabilize prices.”
Yun said higher home sales are critical now to absorb inventory and stabilize prices. “Only with stabilization in home prices can we have a healthy housing and economic recovery,” he said.
In its announcement, the Fed said it will purchase up to $100 billion of GSE debt from primary dealers through a series of competitive auctions to begin next week. Purchases of up to $500 billion in MBS will be conducted by selected asset managers before year-end. Both the direct obligations and MBS purchases are expected to take place over several quarters.
It also will purchase another $500 billion in mortgage-backed securities, which consist of mortgage loans that are packaged together and sold to investors. These securities, viewed as toxic now because so many mortgages are going unpaid, are at the heart of what’s weighing down troubled banks. Purchasing them is intended to free up bank lending, which would spur the economy.
© 2008, McClatchy-Tribune Information Services. RISMEDIA, Nov. 26, 2008-(MCT/RISMedia)-
Sunday, November 9, 2008
Butterfly effect
More than just real estate.
Despite his lame-duck status, George W. Bush, president of the United States of America, is still arguably the most powerful man in the world-at least for another two months. Secretary of the Treasury Henry Paulson and Federal Reserve Chairman Ben Bernanke have more influence over U.S. and international financial market performance and monetary policy than almost anyone else.
Yet, for all the influence and all the resources at their disposal, these three powerful men have been largely ineffectual in their efforts to stave off an economic meltdown far worse than anything seen in several generations.
Bernanke has slashed Fed funds rates, flung the discount window wide open and orchestrated buyouts of once-dominant financial institutions. Paulson fired his infamous “bazooka” and took Freddie Mac and Fannie Mae into conservatorship. Over $1 trillion has been earmarked to prop up the imploding housing and financial markets. Have all these efforts been for naught? And if these powerful men have been unable to turn the tide, who can?
The Butterfly Effect
An offshoot of Chaos Theory, the Butterfly Effect suggests that small variations of the initial condition of a system may produce large variations in the long-term behavior of the system. A butterfly’s wings might create tiny changes in the atmosphere that, ultimately, alter the path, delay, accelerate or even prevent the occurrence of a tornado in a certain location. The flapping wing represents a small change in the initial condition of the system, which causes a chain of events leading to large-scale alterations of events. Had the butterfly not flapped its wings, the trajectory of the system might have been vastly different.
All Real estate sales are an opportunity to break the cocoons and become butterflies, altering the course, slowing down or perhaps even preventing severe financial storms from devastating their neighborhoods, cities and states. One flap, one home, one family at a time. And the place to start this chain effect is in the foreclosure market.
Agents of Change
Think about what happens when an agent conducts a successful short sale: the homeowner is spared the emotional and economic trauma that comes with foreclosure and eviction; the lender saves tens of thousands of dollars in legal and processing fees; a home buyer gets a property below market value; Who loses in that transaction?
There will be over 1 million REOs on the market by the end of this year. Until this inventory is exhausted, home prices and new home sales will continue to languish. Bank-owned homes can quickly ruin a neighborhood-nothing drives property values down more rapidly than vacant homes, and nothing is more of a safety hazard than an empty, boarded-up property. The faster a first-time home buyer can take possession of an REO, the faster the neighborhood has a chance to stabilize and recover. Foreclosure sales, in today’s troubled market, present a rare opportunity to do good for others.
The current problem isn’t a battle between Main Street and Wall Street; it’s a systemic problem that threatens both. Like it or not, the Realtors role in this drama has shifted from “real estate agent” to “agent of change.” And we are uniquely positioned to help affect the recovery for which the powers-that-be have provided massive financing. Start flapping, and let’s see what happens. Contact BJ webb today for further information on how to start flapping.
Adapted from an item by Rick Sharga, who is senior vice president at RealtyTrac.
Despite his lame-duck status, George W. Bush, president of the United States of America, is still arguably the most powerful man in the world-at least for another two months. Secretary of the Treasury Henry Paulson and Federal Reserve Chairman Ben Bernanke have more influence over U.S. and international financial market performance and monetary policy than almost anyone else.
Yet, for all the influence and all the resources at their disposal, these three powerful men have been largely ineffectual in their efforts to stave off an economic meltdown far worse than anything seen in several generations.
Bernanke has slashed Fed funds rates, flung the discount window wide open and orchestrated buyouts of once-dominant financial institutions. Paulson fired his infamous “bazooka” and took Freddie Mac and Fannie Mae into conservatorship. Over $1 trillion has been earmarked to prop up the imploding housing and financial markets. Have all these efforts been for naught? And if these powerful men have been unable to turn the tide, who can?
The Butterfly Effect
An offshoot of Chaos Theory, the Butterfly Effect suggests that small variations of the initial condition of a system may produce large variations in the long-term behavior of the system. A butterfly’s wings might create tiny changes in the atmosphere that, ultimately, alter the path, delay, accelerate or even prevent the occurrence of a tornado in a certain location. The flapping wing represents a small change in the initial condition of the system, which causes a chain of events leading to large-scale alterations of events. Had the butterfly not flapped its wings, the trajectory of the system might have been vastly different.
All Real estate sales are an opportunity to break the cocoons and become butterflies, altering the course, slowing down or perhaps even preventing severe financial storms from devastating their neighborhoods, cities and states. One flap, one home, one family at a time. And the place to start this chain effect is in the foreclosure market.
Agents of Change
Think about what happens when an agent conducts a successful short sale: the homeowner is spared the emotional and economic trauma that comes with foreclosure and eviction; the lender saves tens of thousands of dollars in legal and processing fees; a home buyer gets a property below market value; Who loses in that transaction?
There will be over 1 million REOs on the market by the end of this year. Until this inventory is exhausted, home prices and new home sales will continue to languish. Bank-owned homes can quickly ruin a neighborhood-nothing drives property values down more rapidly than vacant homes, and nothing is more of a safety hazard than an empty, boarded-up property. The faster a first-time home buyer can take possession of an REO, the faster the neighborhood has a chance to stabilize and recover. Foreclosure sales, in today’s troubled market, present a rare opportunity to do good for others.
The current problem isn’t a battle between Main Street and Wall Street; it’s a systemic problem that threatens both. Like it or not, the Realtors role in this drama has shifted from “real estate agent” to “agent of change.” And we are uniquely positioned to help affect the recovery for which the powers-that-be have provided massive financing. Start flapping, and let’s see what happens. Contact BJ webb today for further information on how to start flapping.
Adapted from an item by Rick Sharga, who is senior vice president at RealtyTrac.
Sunday, November 2, 2008
Think outside the box
More than just real estate.
Worried about home values?
If you own Atlanta real estate and you are not in trouble with your mortgage, don’t, worry about the appreciation of your property, when it comes to reduction in home values the places of greatest risk are, California, Nevada, Arizona.
If you have access to cash or financing, it still a great time for housing bargain's.
The Georgia Multi Listing System recently confirmed that of its71,000 active home listings, 7,400 were classified as bank owned homes. Banks are finally getting the message and they are selling some of these homes at reasonable prices, unfortunately the processing times are lengthy as the banks shuffle the papers from one department to another in some cases this can take up to six weeks, so buyers and agents need to work hard to keep these deals moving forward.
For buyers, you need to work with an agent who has experience of dealing with bank owned properties and short sales.
Think Outside the Box
With so many homes out there sellers have to creative to stand out from the crowd.
The people at The Mansion at Peachtree in Atlanta, Georgia have gone far outside of the box. The customers they are courting are those who expect their needs to be met. That is why they have partnered with MD on Call to provide on site medical care to their residents. The first 2 years of the service are included in the purchase price of the units.
Now that is thinking outside of the box.
Along with butler and concierge service, spa and sauna, buyers who purchase homes at the new luxury high-rise the Mansion on Peachtree receive two years of service from MD on Call, a mobile medical practice that treats patients in their homes.
The Mansion, which opened in Buckhead in May but is yet to be occupied, is believed to be the first residential property in Atlanta and among the first in the country to offer medical services to its homeowners.
“Our resident profile was people who anticipate every service being available to them,” said Clark Butler, president of City Centre Properties, owner and developer of the upscale, 2,500- to 10,000-square-foot residences ranging in price from $2.5 million to $1
Along with butler and concierge service, spa and sauna, buyers who purchase homes at the new luxury high-rise The Mansion on Peachtree receive two years of service from MD on Call, a mobile medical practice that treats patients in their homes.
The Mansion, which opened in Buckhead in May but is yet to be occupied, is believed to be the first residential property in Atlanta and among the first in the country to offer medical services to its homeowners.
“Our resident profile was people who anticipate every service being available to them,” said Clark Butler, president of City Centre Properties, owners and developers of the upscale, 2,500- to 10,000-square-foot residences ranging in price from $2.5 million to $12 million. “It seemed to be a natural fit.”
Neither City Centre, which sought out the partnership with MD on Call, nor other developers or concierge medicine experts contacted knew of any other such arrangements.
It’s a sign of the economic times, said Georgia State University real estate professor Julian Diaz.
“People have got to be very creative in selling real estate now,” said Diaz, noting the economy’s negative impact on even the luxury housing market. To sell to this smaller clientele, developers must differentiate themselves by offering such services. But he doesn’t expect such perks to become a permanent part of the real estate landscape.
“It’s a very specialized market with not a whole lot of players,” he said. “A lot of people would like to sell to that handful, so you’re trying to distinguish yourself among a very select group.”
New homeowners at The Mansion can take advantage of the services, valued at several thousand dollars, once they close on their units. Appointments are not necessary because the physicians group sees patients in their homes, offering everything from a throat culture to an EKG.
Holly and Rick Wolfert received details about the amenity last week when they closed on their new residence at The Mansion. The couple, who moved from Connecticut to Lake Oconee in 2007, plan to maintain their primary residence in Greensboro, so they do not anticipate utilizing the medical services often. Still, they said the service should attract other homeowners, especially retirees and the less mobile.
“It’s a great convenience for people who don’t like to make appointments and go to the doctor,” said Holly Wolfert.
Concierge medicine practices — also called “boutique” or “executive” medicine — are rapidly growing among patients and doctors who seek a higher level of medical service. Doctors charge patients an annual fee ranging from about $1,500 to $20,000 for 24/7 availability by cell phone and e-mail, total body exams and same-day visits. After paying their annual fee, patients can use their insurance plan, in some instances.
An estimated 1,100 concierge practices exist nationwide, most formed by small groups of doctors who limit their practice loads to several hundred patients or fewer, compared to a typical practice’s 2,500.
Atlanta emergency room specialist Ellen Frauenthal founded MD on Call 11 years ago. Her partnership with The Mansion is a new wrinkle for her practice, she said.
MD on Call focuses on preventive medicine, wellness and healthy lifestyles to ensure that patients are not ignoring the things that keep them well, said Frauenthal, who refers to her practice as “health care without the hassle.”
MD on Call services are not covered by insurance, and each annual retainer covers a specified number of hours, depending on size and needs of the family. Her practice’s three physicians limit their patient load to fewer than 100 and conduct lifestyle assessments of their patients to help personalize their medical treatment.
“We become patient advocates,” said Frauenthal, who said her practice has grown mainly by word-of-mouth. “Just like people have financial advisers, we are the equivalent in terms of health care.”
2 million. “It seemed to be a natural fit.” via the ajc.com.
Worried about home values?
If you own Atlanta real estate and you are not in trouble with your mortgage, don’t, worry about the appreciation of your property, when it comes to reduction in home values the places of greatest risk are, California, Nevada, Arizona.
If you have access to cash or financing, it still a great time for housing bargain's.
The Georgia Multi Listing System recently confirmed that of its71,000 active home listings, 7,400 were classified as bank owned homes. Banks are finally getting the message and they are selling some of these homes at reasonable prices, unfortunately the processing times are lengthy as the banks shuffle the papers from one department to another in some cases this can take up to six weeks, so buyers and agents need to work hard to keep these deals moving forward.
For buyers, you need to work with an agent who has experience of dealing with bank owned properties and short sales.
Think Outside the Box
With so many homes out there sellers have to creative to stand out from the crowd.
The people at The Mansion at Peachtree in Atlanta, Georgia have gone far outside of the box. The customers they are courting are those who expect their needs to be met. That is why they have partnered with MD on Call to provide on site medical care to their residents. The first 2 years of the service are included in the purchase price of the units.
Now that is thinking outside of the box.
Along with butler and concierge service, spa and sauna, buyers who purchase homes at the new luxury high-rise the Mansion on Peachtree receive two years of service from MD on Call, a mobile medical practice that treats patients in their homes.
The Mansion, which opened in Buckhead in May but is yet to be occupied, is believed to be the first residential property in Atlanta and among the first in the country to offer medical services to its homeowners.
“Our resident profile was people who anticipate every service being available to them,” said Clark Butler, president of City Centre Properties, owner and developer of the upscale, 2,500- to 10,000-square-foot residences ranging in price from $2.5 million to $1
Along with butler and concierge service, spa and sauna, buyers who purchase homes at the new luxury high-rise The Mansion on Peachtree receive two years of service from MD on Call, a mobile medical practice that treats patients in their homes.
The Mansion, which opened in Buckhead in May but is yet to be occupied, is believed to be the first residential property in Atlanta and among the first in the country to offer medical services to its homeowners.
“Our resident profile was people who anticipate every service being available to them,” said Clark Butler, president of City Centre Properties, owners and developers of the upscale, 2,500- to 10,000-square-foot residences ranging in price from $2.5 million to $12 million. “It seemed to be a natural fit.”
Neither City Centre, which sought out the partnership with MD on Call, nor other developers or concierge medicine experts contacted knew of any other such arrangements.
It’s a sign of the economic times, said Georgia State University real estate professor Julian Diaz.
“People have got to be very creative in selling real estate now,” said Diaz, noting the economy’s negative impact on even the luxury housing market. To sell to this smaller clientele, developers must differentiate themselves by offering such services. But he doesn’t expect such perks to become a permanent part of the real estate landscape.
“It’s a very specialized market with not a whole lot of players,” he said. “A lot of people would like to sell to that handful, so you’re trying to distinguish yourself among a very select group.”
New homeowners at The Mansion can take advantage of the services, valued at several thousand dollars, once they close on their units. Appointments are not necessary because the physicians group sees patients in their homes, offering everything from a throat culture to an EKG.
Holly and Rick Wolfert received details about the amenity last week when they closed on their new residence at The Mansion. The couple, who moved from Connecticut to Lake Oconee in 2007, plan to maintain their primary residence in Greensboro, so they do not anticipate utilizing the medical services often. Still, they said the service should attract other homeowners, especially retirees and the less mobile.
“It’s a great convenience for people who don’t like to make appointments and go to the doctor,” said Holly Wolfert.
Concierge medicine practices — also called “boutique” or “executive” medicine — are rapidly growing among patients and doctors who seek a higher level of medical service. Doctors charge patients an annual fee ranging from about $1,500 to $20,000 for 24/7 availability by cell phone and e-mail, total body exams and same-day visits. After paying their annual fee, patients can use their insurance plan, in some instances.
An estimated 1,100 concierge practices exist nationwide, most formed by small groups of doctors who limit their practice loads to several hundred patients or fewer, compared to a typical practice’s 2,500.
Atlanta emergency room specialist Ellen Frauenthal founded MD on Call 11 years ago. Her partnership with The Mansion is a new wrinkle for her practice, she said.
MD on Call focuses on preventive medicine, wellness and healthy lifestyles to ensure that patients are not ignoring the things that keep them well, said Frauenthal, who refers to her practice as “health care without the hassle.”
MD on Call services are not covered by insurance, and each annual retainer covers a specified number of hours, depending on size and needs of the family. Her practice’s three physicians limit their patient load to fewer than 100 and conduct lifestyle assessments of their patients to help personalize their medical treatment.
“We become patient advocates,” said Frauenthal, who said her practice has grown mainly by word-of-mouth. “Just like people have financial advisers, we are the equivalent in terms of health care.”
2 million. “It seemed to be a natural fit.” via the ajc.com.
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