There’s an old TV show that aired in the 1960s called Hogan’s Heroes. Sergeant Schultz (John Banner) was one of the main characters. His constant exclamation throughout his tenure on this show was, “I don’t know anything!” Is that where you are on how to buy a home without a down payment? If so, you’re about to be polite.

Believe it or not, if you have decent credit, and sometimes even if you don’t! – you have choices when it comes to buying a house with no down payment. Look at the following examples:

* VA Foreclosure Loans – What is unique about these loans is that anyone can purchase a VA foreclosed home with no down payment. You can find VA foreclosures through local real estate listing agencies, usually members of the Multiple Listing Service (MLS). You can also do an Internet search for VA foreclosures. You’ll find plenty. VA sells its own foreclosed homes. However, if you are not a veteran or active duty, you will not be able to get a VA loan. Instead, you’ll need to get your own conventional or FHA financing. Still, no down payment is required.

* Owner Financing: The owner agrees to own their mortgage. You arrive at a price agreed with the owner of the property. A legally binding agreement is drawn up that includes everything a mortgage loan would include in terms of price, length of loan, interest rate, and loan payments. The property owner accepts payments from you as a bank or mortgage company would for a traditional loan. You are considered the owner of the home, as your name is on the title/deed, along with the mortgage holder as the lien holder.

* Take on a mortgage: Some homeowners are having a hard time selling their homes due to the foreclosure crisis. Many are willing to let a buyer take over their mortgage so they can sell it. This allows them to get out of the mortgage to a certain extent and buy another house. Of course, there are requirements that the buyer must meet before the mortgage company will allow the assumption. To take on a home loan, you must qualify for the loan and pay closing costs.

* Lease/purchase: This has been one of the most popular for years. Find the property you are interested in not only renting it, but also buying it. Sometimes the property will be advertised as such. There are several approaches to this option.

* The landlord agrees to accept all rental payments for a specified period of time in exchange for a down payment. At the end of the specified time period, you will need to take out your own loan to pay off the remaining agreed selling price of the property.

* The landlord agrees to accept part of the rental payment for a specified period of time in exchange for a down payment. At the end of the specified time period, you will need to take out your own loan for the remaining agreed selling price of the property.

* The landlord agrees to rent the house to you at a discounted rate, and you agree to obtain a loan to purchase the house at a specified price within a specified period of time. The agreed price is usually higher than if you were paying the market amount for rent.

In the process of calculating a weighted average cost of capital for a discounted cash flow analysis, a Beta must often be generated. Let’s take a look at the process.

Calculating Beta is the fun part of the Capital Asset Pricing Model (CAPM). Since Beta is a measure of how well a stock is doing with the broader market, I would calculate it by doing a regression analysis of the stock’s performance against a broad index like the S&P 500. Fortunately, many stock information services like Bloomberg or Yahoo Finance we have already calculated this value for stocks.

The problem with these Betas is that they are leveraged. We need an unlevered security for our cost of capital calculation. The reason we need this value without leverage is that the amount of debt or leverage a company has can affect its Beta. And since a potential buyer of a company could choose to significantly modify its capital structure, we need to remove the effect of leverage to get a better idea of ​​the value of the company.

Deleveraging a Beta

Deleveraging a Beta can be a complicated process. The formula for an unlocked Beta is as follows:

Unlevered Beta = Stock Beta / [ 1 + (1 – tax rate) * Debt / Equity]

The Equity Beta would be the Beta you get from Yahoo Finance on the Key Stats page. You can calculate the business tax rate by dividing tax expense by pre-tax income on the business income statement. Debt is the total debt of the company. Equity in this case is the market value of the company’s equity – its market capitalization.

Beta Compensations

As if calculating a Beta without leverage wasn’t complicated enough, you can’t calculate a Beta for private companies. Instead, we should analyze industry comparables to find an average or median unlevered beta as a proxy for our company’s beta.

What this means is that we need to look up public comps for our company, calculate each of their unlevered Betas, and take an average. We can now use this average beta in our capital asset pricing model and to calculate the weighted average cost of capital.

Nowadays it seems that more and more people consider their bathroom as one of the best places in their home where they can retreat from the stress of the day. A place for a TV, separate toilets, 4 and 5 shower heads in a single shower stall, soap dispensers and towel formers are part of a newly designed bathroom. A modern bathroom will not only provide comfort to anyone, but at the same time it manages to highlight straight lines, neutral tones, black and white, but also materials such as stainless steel, chrome and mirrors. Therefore, a modern bathroom is not only a place where people can take a refreshing shower, but also a place of serenity and total relaxation.

Simplicity

For anyone who wants to make sure they redesign their bathroom and bring it up to modern standards, you should know that simplicity is the way to go in bathroom design. The modern bathroom look is simple, spacious and elegant and only a few colors will be used to create it. If people would like to paint the walls, most of the time the colors will be soothing and soft. The common tones that are used are white and black, because they bring mental balance and relaxation. If in the past the lines in a bathroom were complex and the surfaces full of art on the walls, today they are smooth and the lines are simple. Basically, there are no intricate designs, no trinkets, and no mess.

Accessories

Through the elements of the bathroom, a modern bathroom will emphasize straight lines, which means that the sinks are wall-mounted, while the taps have a smooth, geometric design. Modern bathroom design also means that vanities can also be wall mounted and generally people will opt for ceramic, glass or stainless steel options. Taking a closer look at modern cabinet doors, they are solid to prevent clutter, toilets are streamlined and one-piece, while hardware is also minimal. Depending on the type of cabinets people choose, some of them may have touch latches that help enhance their appearance.

Floors

For added comfort, it’s best to consider heated floors. However, sometimes this may not be an option and that is why people should opt for large tiles that create a spacious look. Engineered hardwood and travertine marble are a great choice in this style. Bath rugs are an important aspect of the modern bathroom and instead of going for regular ones, it is recommended to go for wool or plush rugs.

Turning on

To create a softening effect, dimmers and “Can” lighting work very well together in a modern bathroom design. Using skylights and placing incandescent lights next to the vanity is a great idea that will enhance the look of the bathroom. As far as window treatments are concerned, they should be minimized.

Mod cons

Last but not least, luxurious organic towels are definitely a part of modern bathroom decor. A soap dispenser, an anti-fog mirror and a heated towel rail should never be missing from this important room in the house. The bathtub is also important and that is why people should opt for a bathtub or a whirlpool.

Edward de Bono wrote a book that all entrepreneurs should know about called Sur-petition.

On-demand is a fantastic concept. It works like this. Normally, when you show up to play a match, you have an opposing team. It is the same in business. You typically have one or more competitors competing with you on service, price, quality, or all three. Imagine if you showed up to play the game and no one else showed up. In other words, you had the whole field to yourself while they were playing on another field.

I have had many examples that I could write here, but I will choose one. My first management position was in a shower screen business when I was in my early twenties. Our competitors were window companies that manufactured add-on shower enclosures, while we were a specialist manufacturer of shower enclosures.

The lead time to supply a screen to a new house was about three weeks. My team and I were too young and naive to know any better, so we discussed an idea to cut delivery times from three weeks to three days.

The reason this would be important to the client was because the shower enclosure set up the final home inspection when the builder could be paid. You couldn’t pass inspection without electricity, you couldn’t have electricity connected without the shower screen, and you couldn’t measure the height of the shower screen until the tiling was done.

To cut a long story short, we did and a year later we had changed the industry forever. You may ask why our competitors didn’t copy us. Remember that they were window suppliers and delivered at home in the concrete slab stage. They connected to a phone call from the builder to go back and measure the shower screen. Since we were focusing on shower enclosures, we would call in the tile laying stage and find out from the tiler what his next job would be. Therefore, the constructor never had to call us. In addition, the window companies were not as flexible in their manufacturing processes and, although they reduced their delivery time to ten days, they never recovered their share. The results of this sur-petition strategy were an increase in their earnings from 10% to 21% and an increase in ROE from 15% to a staggering 126%.

That was a good example of over-requesting.

Another good example is when you are a smaller competitor, for example the number three player in the market. Let’s say your biggest competitor is big and strong, with good long-term people and solid procedures. You, on the other hand, are smaller and more agile. You could make the comparison of a pyramid and tomb robbers or a tanker truck and a speedboat. The point is that if you come up with a strategy based on speed and flexibility, you’ll be playing to your strengths and working against your competitors’ weaknesses.

So think of it this way. Sur-petition essentially is where you understand your strengths and your competitors’ weaknesses. Then you implement a strategy that focuses on an opportunity in the market and is difficult for the competitor to follow.

We converted our base into an exercise room and entertainment center. We have everything from billiards to darts, foosball and table tennis. It was only logical that we add a pinball game. After all, I LOVE pinball. I get sucked in so fast to play! I love the thrill of the game. (but I don’t like to play with my husband, he kicks my ass). My 3 year old son and I are more on the same level. Well, maybe my 18 month old.

We were very lucky that my dad was there when we discussed the purchase. He loved the idea so much that he offered to buy us a pinball game. (after all, his daughter really wanted to do something perceived as masculine) She had no idea how generous the offer was. Pinball is quite expensive: several thousand dollars for a refurbished one. It was shocking to me. I’m sure it was a bit of a shock to him too.

My husband and dad had to go pick up the machine. (the place where we bought it did not deliver) It was very heavy and difficult to carry, since it is a slightly uncomfortable size. Also, Carmen’s head (I think it’s Carmen) sits on top of the machine, thus making the entire pinball game over seven feet tall. Once the pinball machine was installed, the fun began and has been ever since. You can kill Carmen, meet Mr. Hanky ​​the Christmas poop, and even enjoy the thrill of multiball. Multi-ball is like 5 balls coming out at the same time.

While I’m good at pinball machines, this is often too challenging for me. (Admittedly, I don’t get a chance to multiball very often) The language on the machine can get pretty bad, so I’m often on childproof settings. I definitely do not advise it for children without the filter. (Thank goodness for that handy switch!) Overall, it’s a lot of fun and definitely worth the investment. We had to repair the game several times over the last couple of years due to some circuit issues, but again, it’s worth it! Pinball ROCKS! Although the younger generation loves video games, Pinball is NEVER the same game twice.

There are no patterns to memorize. Instead, you get all the hand-eye coordination skills. Nothing better than taking one of these machines to your home. You never have to feed it quarters and you get a lot of practice. South Park is just a good pinball machine. A better long-term fun game is the classic Addams Family pinball machine, which is one of the best machines ever made. Get something you like and play it 10 times before you buy it to make sure it will hold your interest. If the rules are too easy, they will disappear faster. The newer games have really deep rules that can keep you entertained for a long time.

Many online business ventures get lost in the crowd due to a lack of search engine marketing tactics. To make your online business survive, it is sure that you must have an effective and targeted search engine marketing plan. To achieve this campaign it is necessary to achieve the following. Understand the basics of SEO. Without this, you’ll be hitting an arrow in the dark without knowing the basics. When you know and understand these SEO concepts, apply these principles to your own website. Try to adopt all possible combinations of improved SEO on your website. For targeted search engine marketing, build an effective online marketing strategy and constantly review and restructure your targeted search engine marketing plan. Hire professional SEO services to find search engine marketing solutions. It may cost you money, but it is indeed a very good long-term investment.

Be sure to provide search engine marketing solutions to your comprehensive online marketing plan. This should ensure that you provide solutions with the target audience in mind that is appropriate for your website business. Hire consulting and services from others if necessary, to fulfill your online search engine marketing requirements.

Finding the right keywords and search terms for your website is also part of search engine marketing solutions. These mail tools are essential for search engine marketing. Optimize your website for these keywords and try to increase links so that they rank high in search engines. A better ranking will help you in better search engine marketing. Keywords are the tools through which search engines recognize your URL on the World Wide Web. Use Meta alt tags, title tags carefully with keywords to get better response from search engines. Submit your site to search engines to make your site familiar on the World Wide Web. Link the popularity of your website among other websites and users.

For paid online advertising, you can also use PPC ads to get your website to appear at the top of search results for paid ads. Get traffic analysis for your website by installing traffic analyzer and log file analyzer. In this way, you can report on visitor statistics counters and implement search engine marketing strategies for visitors.

Since search engine marketing has become necessary as people today prefer to buy products online as this saves time and money, adopting the right search engine marketing solutions for your website It could help your website appear at the top of the search engines and your site can get more visits and thus generate more inquiries and business leads which translates into more sales and more profit.

If you are in danger of facing foreclosure because you have missed your monthly mortgage payments, you need to act quickly before it is too late to negotiate a loan modification and your home is sold at foreclosure auction. You may feel desperate now, but there is still hope until the auction date arrives. Here are some tips to help save your home from foreclosure.

1. During foreclosure proceedings, do not move out of your home so that you can still claim benefits such as one-time FHA mortgage insurance, etc.
2. Mark your mortgage due date in red and prioritize your most important financial obligations accordingly.
3. Make a list of all your monthly payments. Your monthly mortgage payment should be at the top of the list. Credit card bills, personal loans, and other unsecured debt will have to suffer and slip down the list as you catch up on your mortgage payments. Aside from hurting your credit score, these debts won’t carry any major consequences compared to losing your home to foreclosure. The effects of foreclosure on your credit score are MUCH more severe anyway.
4. Do not ignore or wait for the foreclosure notice from your bank. Let them know in advance that you are in a financial crisis due to a hardship. This act of good faith could earn you a little mercy from your lender. Provide the necessary loan modification documents for your evaluation. In all likelihood, your lender could extend the grace period or consider a forbearance agreement as long as you make an effort to catch up on your mortgage payments.
5. Seek help from the credit counseling and debt management program. You can repair your own credit by downloading our free credit repair kit. Take advantage of lenders and local housing agencies or extension services that offer these programs, especially if it’s free. The best place to look for free financial and foreclosure help is the US Department of Housing and Urban Development (HUD), as there are lists of credit counseling and debt management agencies approved to work with HUD loans and possibly with your lender. In cases involving predatory notes or loans, contact your bank directly.
6. Consider options for affordable mortgage payments. It could be restructuring or refinancing your mortgage loan. With the new Obama loan modification programs now available, deciding which to choose would be easy depending on your financial ability. Keep in mind that mortgage refinancing costs can be high due to processing fees, such as closing costs and points.
7. If you are successful in negotiating a lower monthly mortgage payment, get the resolution in writing. In fact, save all loan modification documents that legally represent any agreement or arrangement with your lender.
8. If not, it sells unnecessary assets. You can raise money by doing this and pay off your mortgage until you recover from your financial difficulties. It is also a good time to reduce your monthly expenses. But doing both will not be enough in the long run if your financial situation remains the same.
9. You can sell your house to a third party as an alternative. This could be called a short sale. Sometimes creditors accept this as a full settlement of the debt. Usually, however, the home’s sale value can’t cover the outstanding loan balance, so some banks would rob you for foreclosure deficiency if you have too many assets. Get help from a housing counselor, real estate agent, or loan modification attorney. You can also buy back your property after the foreclosure auction.
10. Negotiate a leniency agreement. As long as you want to keep your home, that’s as long as lenders want to be paid. In the case of forbearance, your lender will temporarily stop foreclosure proceedings until another payment option can be executed.
11. Declare bankruptcy. This could put your credit history in a bad position. Remember that you may or may not keep your home with this option. If you seriously believe this is your only way out, call your attorney to discuss what to do.
12. Give your house over to your lender. This is called a “deed-in-lieu of foreclosure.” This option will not affect your credit score, but you will be homeless. Since you are making things easier for the lender, this act can be recognized by the elimination of your loan balance, even if the house sells less. Again, get the help of a mortgage attorney.

Be realistic when choosing your options because once an agreement is reached you must comply, otherwise you will surely face another foreclosure.

Most mortgages are guaranteed or financed by government programs like HUD, FHA, or VA. If your mortgage belongs to one of these agencies, ask what options they offer to save your home. But first, you must approach your lender to negotiate in person in an open and honest manner. Doing so will save you from paying attorneys or credit counseling agencies.

Buying real estate, repairing it and selling it quickly is usually a profitable recipe. However, a key component of this recipe for success is access to capital. If you don’t have enough funds but are interested in rehabbing a property, a hard money lender that offers fix-and-trade loans could be an excellent financing option. These loans are structured in such a way that they allow a buyer to quickly acquire the property and have access to a reserve of funds for construction and renovation costs.

Buying real estate, repairing it and selling it quickly is usually a profitable recipe.

Advantages of Fix and Flip loans

There are many advantages to fix and switch loans and the demand for this source of finance is constantly increasing in the real estate investment industry.

Four key benefits include:

• Fast approval: Getting approved for a fixed and reversible loan is a much faster process compared to the traditional banking system. If the borrower has submitted the required documents, a private lender can approve the loan in a couple of days, while a traditional financial institution can take at least a month. In addition to the significantly longer wait time for bank loan approvals, the borrower will need to submit numerous documents and meet multiple conditions as part of the process.
• Any property: Properties in different states of condition may qualify for a fix-up loan. Whether the property is bank-owned, short-sale, foreclosed, or dilapidated, a borrower is likely to find a hard-earned lender willing to finance the deal. Again, a borrower may not have the option to finance these types of real estate opportunities with a bank. Banks are very risk averse and have strict rules about what type of property they can accept as part of their loan portfolio.
• Zero prepayment penalties: If you take out a loan from an established bank, you may be subject to penalties if you have the opportunity to pay off the loan before the due date. This is called a prepayment penalty. Most fix and flip lenders will not subject you to this fee.
• Covered Repairs – When you buy a property with the intention of remodeling it, a significant portion of your budget will be spent on construction and renovation costs. A fix-and-switch lender will generally set up a loan reserve that will cover the costs of repairing the property in addition to interest. This can take a lot of stress and pressure off builders and developers as they don’t have to worry about spending money out of pocket on repairs or payments.

Teaming up with a solid lender who understands your property, the local real estate market, and is willing to help you through the entire buying, building, and selling process is vital. When choosing a hard money lender, keep the following in mind:

• The lender must have enough experience in the industry. A private lender with deep roots in the real estate investment market will not only be able to offer you a better deal, but will also have numerous contacts to help you along the way, from recommended settlement companies to permit issuers and other preferred providers. . This can turn out to be a great asset as speed, quality and efficiency are the name of the game in the fix and flip world. The less time you need to research companies and contractors, the more money you have in your pocket.
• Check the history of lenders to make sure they are genuine and have a good track record. It may be worth taking a closer look at lenders who tempt borrowers with “trial rates” or a “documentless” underwriting process. As with most things in life, if it seems too good to be true, it usually is.
• Lastly, you should check what previous or current customers have to say. Is the lender responsive and knowledgeable? How many loans do they have on the street? Do they have good ratings on Google or BBB? Just as the lender performs due diligence on their borrowers, borrowers must, in turn, perform due diligence on the hard money lender. It is a partnership and both parties must be strong and committed to the process to ensure success.

Appraisals are UNDER ATTACK! Okay, I may be exaggerating, but I’ve been looking at blogs for the last week and I think I can probably give a high five when I say they’re being vetted.

As an underwriter, I understand why my fellow underwriter requests additional compensation, adjuster comments, and corrections. As a former loan processor, I understand the frustration of the loan originator and realtors. The appraisal represents the guarantee of the mortgage loan. The insurer cannot physically go to the property (although I have heard stories), so the appraisal is the only way to see it.

First let me say this: NOBODY IS PERFECT! This includes adjusters, underwriters, originators, processors, and agents. I have always subscribed to the philosophy that underwriting is part of the guidelines and part of COMMON SENSE, but the reality of the matter is that this is not true. Underwriting has become part guidelines, part past experience, part last week’s underwriting meeting, part “the last loan I undertook this way didn’t sell” and a LOT OF INSIGHT (from everyone! !).

I’m almost 100% sure I just pissed off half of my fellow subscribers!

For this reason, I have listed some questions to ask yourself when looking at your appraisal. Ask yourself these questions: before you submit it for subscription!

1. Are the compositions older than 12 months?

FannieMae/Freddie Mac guidelines call for builds no older than 12 months and appraiser comments for builds older than 6 months.

2. Are the compositions of the subdivision of the subject?

This may seem like an odd question, but the insurer is looking for value in the immediate area. When compositions are drawn from neighboring subdivisions, they must be close together and the property must be similar in style and design.

3. If the property is new construction: Did the appraiser obtain at least compensation outside of the new subdivision?

The reason the underwriter needs compensation outside of the new subdivision is because they are trying to determine market acceptance. They want to make sure there is a market for the property in question.

4. Was the appraiser more than 1 mile away from the subject? Urban/Suburban = 1 mile, Rural = 10 miles.

Properties in urban cities are typically less than a mile apart. Now, before I go through a dozen emails, let me say: there are exceptions. I can think of at least 2-3 small cities that are quite spread out and I also know that some urban properties are located on the outskirts of the city. These are obvious observations that can be seen on the map included in the appraisal. Which brings me to my next point…..

5. If the adjuster has exceeded the recommended mileage search, does the map support it?

There are no guidelines that say the adjuster CANNOT go over a certain number of miles, the guidelines say that the adjuster has to document WHY they drove a certain number of miles. Tester feedback is great, but feedback and the map that supports feedback is even better!

6. Did the adjuster cross any major streets or highways?

The problem with crossing major streets, highways, and train tracks is that it can put you in a different neighborhood value. I’m sure my fellow real estate agents know exactly what I mean.

Everything is in Milan. All kinds of world fairs are held in Milan. In Milan there is Food Week, Design Week, Fashion Weeks, Art Week, museums, innovation, digital week… everything in short. Here we never get bored. Of course, everything is always in motion, but when we stop we do so in front of a good plate of pasta and a good wine.

Milano is the perfect blend of modernity and history… each spot offers and gives a thought, positive or even critical, but an effect, a sensation always arises… this makes it unique.

Rent an apartment to fully immerse yourself in the city. A beautiful apartment in a charming neighborhood doubles the travel experience and pleasure of staying in the city.

Take Milan as the city of arrival (or departure) to visit Italy. Dedicate a few days of your vacation in Italy to get to know this city. When you go back home and think of Italy, Milan will make the difference. Clearly, Tuscany, Umbria, Venice, Rome, are unique and characteristic Italian destinations… but you won’t expect it from Milan. That is why this metropolis could be the best “bridge” to other destinations.

The succession of different cultures, stratified and placed side by side, has made Milan one of the most interesting places in Italy. European metropolis, with a variety of sectors that serve as engines of the Italian economy, the city is a true national point of reference.

FIRST REASON TO BOOK A TRIP TO MILAN – SHOPPING AND DESIGN

If you love clothes, shopping in Milan is an experience par excellence. Milan, one of the world’s fashion capitals, is home to top-tier designer stores, boutiques and outlets ranging from the most expensive to the most affordable, while maintaining the quality and elegance that Italian fashion is famous for.

There is no shortage of the biggest houses and fashion ateliers in Milan. Giorgio Armani, Dolce & Gabbana, Gucci, Prada, Ferragamo, Valentino, Max Mara… all here… clothes and accessories may not be for everyone, but it may also be enough to look through the windows to recognize the style and appreciate the art . .

Streets like Via della Spiga or Montenapoleone that are located within the fashion district of Milan are an unmissable destination if you visit the city.

In recent years, several major brand outlet malls (such as those mentioned above) have sprung up on the outskirts of Milan, but they are easily reached by organized Shopping Tours buses, such as Serravalle Designer Outlet Mall, Scalo Milano and more. . If you want to have a truly great fashion experience, we can suggest Fashion Tours Milan.

If you prefer “lighter shopping”, via Torino, Corso Buenos Aires, Corso Vittorio Emanuele offers countless fashion stores.

Milan Design Week is the world’s most important event for

the “DESIGN ADDICTED”

The fair district of Milan hosts the exhibition, but the success of this event is the countless collateral initiatives that transform the city into open-air design museums and galleries. Performances, meetings, congresses, shows, gastronomic events, color and corners throughout the city.

Italian products and innovation, art, eccentricity, functionality, creativity, the Salone del Mobile in Milan is a stage that marks the history of design and furniture of yesterday, today and tomorrow.

Visiting Milan during the Design Week and the Fuorisalone is something incredible.

2ND REASON TO BOOK A TRIP TO MILAN – ATTRACTIONS, ART AND CULTURE

Milan, after Expo 2015, has been reborn. It is a city committed to valuing every excellence, every form of art and culture. The exhibition calendar of the Milan museums offers countless artists and events for all tastes.

Art museums such as the Museo del Novecento, Palazzo Reale, La Pinacoteca di Brera, Cenacolo Vinciano… Scientific museums such as the Planetarium, Museo della Scienza e della Tecnica, Museo Civico di storia Naturale… Not forgetting theaters such as the alla Scala, the Piccolo Teatro Strehler, the Arcimboldi, the Teatro Manzoni, the Teatro Nacional, the Ciak and much more.

The most famous and impressive monuments are undoubtedly the Duomo Cathedral, the Sforza castle and its Sempione Park, Santa Maria delle Grazie with the Last Supper by Leonardo da Vinci, the whole part of the Brera district, the Navigli of Milan ( always designed by Leonardo) … If you want to see something new, we sure suggest going to Piazza GAe Aulenti, Porta Nuova district, with its Unicredit Tower.

3RD REASON TO BOOK A TRIP TO MILAN – AMAZING FOOD, GOOD WINE AND SNACKS

Wherever you go, you will find bars and restaurants ready for you to enjoy good food and good wine.

Milan is an open city. You will find trattorias and restaurants that will serve you typical Italian dishes, made with traditional and original products from their region. Fresh food, good taste. Famous chefs started here. Milan is very demanding in terms of cuisine and for this reason you will find anything that can satisfy your taste.

In Milan, aperitifs are very famous, in fact, in the evening after a day of work, the bars serve “l’Aperi-cena”, which means that you will find all kinds of sandwiches, pasta, hams and cheeses, focaccia and pizza. , fries and much more… to be enjoyed with a good glass of Italian wine or a Spritz… maybe with a view of the Duomo

FOURTH REASON TO BOOK A TRIP TO MILAN – PUBLIC TRANSPORTATION, EASY ACCESS TO THE CITY OF MILAN

Milan’s public transportation options include the metro, bus, tram, and bicycles.

Milan’s public transportation system connects the entire city center, making it easy to get around the city’s most popular attractions. Opting for public transportation is a great “green” way to travel. It will also save you a lot of time and money (if you don’t take taxis, you can avoid traffic and lose a lot of cash)… which means more to spend on what you prefer!

The Milan metro is one of the most modern metro systems in Europe and has four metro lines. Line M1 (red): This line is useful, especially if you are traveling to Milan for business and want to get to Fiera Milano City or Rho Fiera. The line also stops at the Duomo and San Babila, the main historic center. Line M2 (green): The M2 stops at Milano Centrale station (where trains from all over Europe arrive). Line M3 (yellow): The M3 is probably the most convenient line for tourists, because it stops at the Duomo, Via Montenapoleone (Milan’s most important commercial and shopping area) and Milano Centrale. Line M5 (purple): The M5 is integrated with regional trains. Visitors will find the following interesting stops: Garibaldi Station and Stadio Giuseppe Meazza.

One more alternative to taking a taxi (or walking): BikeMi! Milan’s popular bike share initiative is a great way to get around and see the city.

Or… or, something very fun is to rent Segways

5TH REASON TO BOOK A TRIP TO MILAN – FROM HERE YOU CAN GO EVERYWHERE

Milan has excellent connections with the main Italian, European and world cities. From Milan you can reach in a very short time, even for day trips, wonderful destinations such as Lake Como, Lake Garda, Lake Maggiore, cities such as Pavia, Verona, Bergamo, Cinque Terre or winter tourist destinations such as Bormio, Bernina, Madonna di Campiglio and much, much more. From Milan in 1 hour by train you can Turin, in 1 hour and a half Genoa, in 2 hours Florence and Venice, in 3 hours Rome, 4 hours Naples…

In short, from here, starting your Tour of Italy will be the easiest.

Milan will be an essential city in your Italian itinerary.

Have a good trip!