Willamette Valley Oregon
The Willamette Valley Back at the end of the last ice age the ice damn broke on Missoula Lake. Located about 68 miles northwest of Missoula, Montana. The flood that ensued swept across Montana, Idaho, into Washington and down the Columbia River. It filled up the Willamette Valley with about a hundred feet of top soil that the flood deposited. Willamette Valley Oregon is an area that goes from Eugene in the south to about thirty miles north of Portland. It stretches from the Coast Range in the west to the Cascade Mountains in the East. The Willamette Valley has about seventy percent of Oregon’s population. Because of the soil deposits, the Willamette Valley is rich with crops. Found here is Jory Silty Clay, one of the top ten soils in the world to grow grapes, as can been seen by all the world renown wineries in the area. The Willamette Valley We have a small town to the west of the Willamette Valley called Dundee. In my opinion this is where the wine industry in Oregon started. Sitting on the foothills of the Coast range and just the right distance from the summit, it gets a measured amount of rain perfect for grapes. Many of the slopes are south or south east, giving the grapes the perfect amount of sun. This area of the Willamette Valley has an area to the west in the Coast range called the Van-Duzer corridor. This dip to the mountains let’s just the perfect amount of cool air from the ocean. This creats the perfect climate for grapes. How anyone ever figured out all this is beyond me. The industry started to grow and soon many realized the Willamette Valley was full of great soils. The soils for grapes and the spread of wineries continues to this day. But that’s not all, the Willamette Valley Oregon grows a wide variety of crops. One the most popular currently is the Hazelnut (Filbert) orchards. With a growing demand for Hazelnut flavorings, with Starbucks being on the top of the list, we have seen many new orchards planted here in the Willamette Valley lately. With the soils being great, beautiful weather and endless things to do it is now wonder the Willamette Valley is so popular. Come visit, I deal with many bare land properties here. Would love to help you find your new home. Contact me at al@cronemiller.com or you can visit my website at www.homesforsalesalemoregon.net
Oregon’s new Senate Bill 608
Eviction Standards Eliminates no-cause eviction standard after the first year of occupancy. o Landlords can continue to evict for a tenant-based cause (current law – i.e., non-payment, violation of the rental agreement, outrageous conduct, etc.). • Adds new landlord-based for-cause reasons to evict a tenant: o Sale to a person who will move in; o Landlord or family member move-in; o Significant repair or renovation of the unit; o Removal of the unit from residential use. • If landlord uses one of these four landlord-based reasons, they must provide the tenant with 90-day notice and relocation expenses in the amount of 1 month’s rent. Exceptions • Small landlords (4 or fewer units) do not have to pay relocation expenses. • Landlords who live on the same property as their tenant (owner occupied, 2 units or less) may still use a nocause eviction at any time. Month-to-Month Tenancies • For the first 12 months of occupancy, a landlord may terminate the tenancy without cause with a 30-day notice. • After the first 12 months of occupancy, a landlord may only evict a tenant for cause, by using an existing tenantbased reason or by using one of the four new landlord-based reasons. Fixed-Term Tenancies • After the first 12 months of occupancy, the fixed-term lease will automatically roll over to month-to-month unless the landlord has a tenant or landlord-based reason to terminate. Exceptions: • A fixed-term lease might not automatically roll over at the end of the fixed term per landlord discretion if the tenant has violated the terms of the rental agreement 3 separate times during a 12-month period, with written warnings for each violation given contemporaneously with the violation. Annual Rent Increase • Landlords may increase rent by no more than 7% + consumer price index in a 12-month period. • Maintains current law regarding rent increases: prohibits rent increases in first year of month-to-month tenancy and requirement that landlords give 90-day notice of rent increases thereafter. Exceptions: • New Construction: A landlord may increase the rent above 7% +CPI in a 12-month period if the certificate of occupancy was issued less than 15 years ago. • New Tenancy: If the previous tenant vacated the unit voluntarily or their tenancy was otherwise terminated in compliance with other applicable law, the landlord may reset the rent on the new tenancy without limitation. • Subsidized Housing: If the landlord is providing reduced rent to the tenant as part of a federal, state, or local program or subsidy, they are exempt. Enforcement • If a landlord violates the new provisions, they are liable for three months’ rent plus actual damages. 2 SENATE BILL 608 SUMMARY Frequently Asked Questions: SB 608 When will the changes go into effect? Senate Bill 608 has an “emergency clause” and thus becomes effective once signed by Governor Brown. We anticipate this could be as early as March 1, 2019. If I have a transaction that closes after the law goes into effect, can the new owner evict the tenants? Depends. Generally, you may only evict for a tenant cause or a “qualifying reason for termination” under of the enumerated circumstances that the law provides. Once you become an owner of qualifying rental property, you become a “landlord” whose conduct is governed by the bill and you should review both the current law and existing tenant contracts of the property you’re purchasing. However, the law does allow for specific circumstances under which a landlord, including a new landlord, could evict a tenant landlord-based reasons including significant renovations, demolitions, safety, or owner-occupancy. How does this impact closing timelines for rental occupied properties where the new owner will occupy the residence? The closing date in the sale of real property is a construct of contract law between the parties and thus would not be affected by the new law which governs landlord-tenant relations. However, displacing a current tenant (and thus effectuating the intent of new owner who would like to move-in) is another issue (because notwithstanding the transaction between the buyer and the seller, the tenant has their own rights subject to their lease agreement and current law). If the tenant is a week-to-week tenant, or a month-to-month tenant within the first year, you have some flexibility to displace them without cause (so long as you give them the specified amount of notice) and certain circumstances apply. If the current tenant is a month-to-month renter who has been occupying for more than a year or is under a fixed term lease, evicting a tenant is subject to more regulations. Fixed-term leases will always continue, unless there is a tenantbased reason (failure to pay rent) for eviction. On a month-to-month tenancy, 90-days’ notice and the payment of relocation expenses (1-month’s rent) will be required. I heard that the law caps rent increases, but that cities and counties will be able to set high rent caps if they want? There are no exceptions for cities and counties, and therefore the rent increase cap would apply to the entire state equally. Further, any local ordinances that conflict with the statewide cap on rent increases would likely be preempted by the legislature’s acts. We advise seeking legal counsel to determine where estate and local laws may conflict and the potential impact of such a situation. 3 SENATE BILL 608 SUMMARY When it says that it applies to buildings 15 years or older, when does that date start? Is it rolling? The time period is calculated by the difference between when a notice of rent increase is sent out and when a certificate of occupancy was issued for the dwelling unit. Does selling your home count as a for-cause or no-cause eviction? The bill is intended to provided protections for tenants. Thus, if a home owner wishes to sell their home, this law would have no effect on that transaction (which is between the buyer and the seller) unless the rights of a tenant are affected. Fixed-term leases will always continue, unless there is a tenant-based reason (failure to pay rent) for eviction. On a month-to-month tenancy of under a year, a no-cause notice may be issued with 30-days’ notice. On
Moving to Oregon
The Effects of People Moving to Oregon Here for the last 4 to 5 years the most popular state in the nation is Oregon. With more moving companies showing a destination of Oregon, we knew things glad to change. Just a few years back, rental housing was everywhere and buying a home was not such a cat fight. The homes for sale in Oregon are drying up a bit. Oregon real estate in general has become much more popular. Moving to Oregon With this said, the battle for buying a home rages on in places like the Portland metro area and now even in Salem. Moving to Salem Oregon is still one of the best destinations, the traffic is not much of a problem and the Oregon homes for sale here are better priced than our neighbors to the north in Portland. With people moving to Salem Oregon we have seen price increases of 13% over last year. Homes are now starting to be bid up as they are in Portland. Houses for sale in Oregon in general have seen price increases across the board. If you move here we have tons of stuff to do, like dig for monster clams! Moving to Oregon This moving to Oregon craze has had a major effect on Oregon’s economy. There are tons of jobs with all the housing being built and from the looks of things, it is not going to slow down anytime soon. With the current lack of houses for sale in Oregon we are now seeing 4.0 months of inventory in Salem and only 1.9 months in Portland. This means that if no more new homes come on the market, it would take 4.0 months and 1.9 months respectively to sell all the homes. This puts us squarely in a seller’s market, we will not reach the tipping point until we get to 4 months of inventory, at this time we will be entering into a buyer’s market. From the looks of Oregon real estate, this may take a while. If you have plans of moving to Oregon, think about moving to Salem Oregon. The traffic is non-existent and the homes are priced better. Land for Sale Oregon Land for sale Oregon has also seen a steep rise in popularity, many people are looking for small and large parcels to build homes on. Many just trying to find the best places to live in Oregon, and as we all know, there are plenty of those to go around. The moving to Oregon craze has seen Oregon go from obscurity to being a popular destination. There are still many homes for sale in Oregon so don’t wait, This may not be the case for long. al@cronemiller.com Call me I will help 503-949-5025 or go to my site at www.homesforsalesalemoregon.net
Oregon real estate-No money down loans
Oregon real estate No Money Down Loans Rents right now are getting to the point of being more expensive than buying a home, not to mention the increased freedom you have with home ownership. As one of the few 100% financing options currently, the USDA government sponsored mortgage program is a great way to go. Loans are issued through the USDA Rural Development Guaranteed Housing Loan Program which was created by the U.S. Department of Agricultural. If you would look at a map that shows the eligible places in your search area you will see that many areas border the city or town where you are looking. The areas that qualify are much larger than the areas not in the program. A USDA loan you would think would refer to a farm – land setting, however this program is offered in communities with populations of 20,000 or less, and in many areas surrounding larger towns. If a buyer qualifies for this loan, a plan on how to find a home should follow. Oregon real Estate for sale I you take this chore on yourself, you will be going up against many buyers with good realtors. I can help www.homesforsalesalemoregon.net. Either way, go the direction that has the highest chance of success. Your MLS properly listed properties will have the most competition. The listings that are less professionally marketed will have the second most competition, and your FSBO (For Sale by Owner) will have the least competition along with the make-me-move people on Zillow. If your FSBO seller will work with an agent on the buyer side, chances are you can get all the paperwork done correctly. If the FSBO seller does not want to contribute then you may have to go to plan B. This is why national statistics show that only 9% of FSBO people are successful. Be ready to negotiate and craft a deal where there may be none. Here are some GREAT articles that will help. For personal service just contact me at al@cronemiller.com or visit my site at www.homesforsalesalemoregon.net. Enjoy your search and Good Luck!
Home Sellers Tips and Tricks
MORE Realty Al Cronemiller Licenced in the State of Oregon Home Sellers Tips and Tricks When the real estate market is cruising along in overdrive, like it is, many home owners choose to try and sell themselves. After all who wouldn’t like to save 6%. The two options is sell yourself or hire it done. Research the sales success rate of For Sale by Owners and real estate agents. With For sale by owners selling 9% of there homes and good real estate agents selling about 89%, one would think there is a reason. Like anything it’s the difference between specialized knowledge and experience, being in the trenches, coupled with the extra exposure on the MLS is what creates the disparity. If you are to increase your odds following a strict marketing plan will increase a home owners success rate of selling their own home. Here is how I break this down. When it comes to selling a home there are a few things to think about. The big one is 90% of people shop online for homes! We need most our advertising here as they are going to see an add, pictures and the text. 90% of our buyers shop, online, Ad- Pictures- Text. There are a few things that need taken care of. The first one is having the home ready to sell, clean, fresh paint and nice yard. With your home being “sale ready” you are now ready for professional photos. Photos are one of the first thing buyers see. The second thing they notice is the text and how the add reads. The science behind writing a good add is that all people buy on emotions and justify with logic, that’s what the studies show. If your add can entice more people and create an emotional response you are part of the way there. With 90% of the homebuyers shopping on the internet, why not have the add look an read as good as possible. If a for sale by owner seller has the add text and the pictures nailed and the home ready to sell the last obstacle is normally the one that causes the most problems. the [stressed th ee; unstressed before a consonant th uh; unstressed before a vowel th ee] harf e takhsees jaisay arabi mein al – حرف تخصيص جيسے عربي ميں ال the1—definite article (used, especially before a noun, with a specifying or particularizing effect, as opposed to the indefinite or generalizing force of the indefinite article a or an): the book you gave me; Come into the house. (used to mark a proper noun, natural phenomenon, ship, building, time, point of the compass, branch of endeavor, or field of study as something well-known or unique): the sun; the Alps; the Queen Elizabeth; the past; the West. (used with or as part of a title): the Duke of Wellington; the Reverend John Smith. (used to mark a noun as indicating the best-known, most approved, most important, most satisfying, etc.): the skiing center of the U.S.; If you’re going to work hard, now is the time. (used to mark a noun as being used generically): The dog is a quadruped. (used in place of a possessive pronoun, to note a part of the body or a personal belonging): He won’t be able to play football until the leg mends. (used before adjectives that are used substantively, to note an individual, a class or number of individuals, or an abstract idea): to visit the sick; from the sublime to the ridiculous. (used before a modifying adjective to specify or limit its modifying effect): He took the wrong road and drove miles out of his way. (used to indicate one particular decade of a lifetime or of a century): the sixties; the Gay Nineties. (one of many of a class or type, as of a manufactured item, as opposed to an individual one): Did you listen to the radio last night? enough: He saved until he had the money for a new car. She didn’t have the courage to leave. (used distributively, to note any one separately) for, to, or in each; a or an: at one dollar the pound. Origin: before 900; Middle English, Old English, uninflected stem of the demonstrative pronoun. See that —Pronunciation_note As shown above, the pronunciation of the definite article the changes, primarily depending on whether the following sound is a consonant or a vowel. Before a consonant sound the pronunciation is [th uh] /ðə/: the book, the mountain [th uh-book, th uh-moun-tn] /ðə bɒɒk, ðəˈmaʊn tn/. Before a vowel sound it is usually [th ee] /ði/, sometimes [th i] /ðɪ/: the apple, the end [th ee or th i-ap-uh l, th ee or th i-end] /ði or ðɪˈæp əl, ði or ðɪ ɛnd/. As an emphatic form (“I didn’t say a book—I said the book.”) or a citation form (“The word the is a definite article.”), the usual pronunciation is [th ee] /ði/, although in both of these uses of the stressed form, [th ee] /ði/ is often replaced by [th uh] /ðʌ/, especially among younger speakers. Developed by Muhammad Aamir © 2019 Marketing. Part of the reason we have so much disparity with selling a home with FSBO as opposed to an agent is that when an agent lists a home and puts it on the MLS it immediately goes in front of every agent and their respective buyers. Shortly after the property goes live about 90 web sites pick up that add automatically, this includes Zillow, Trulia, Realtor.com and many, many more. This is where the FSBO sellers fall short, the lack of exposure and marketing expertise. The bottom line is that the more eyes you can get on a home the higher price you will get for it, and the faster it will sell. This is the main reason why we have the disparity in sales success between the good agent and home owner. If a homeowner can get all the advertisement perfect then comes some other work. Since things don’t work quite like a realtor, the home owner will need to post the advertisement on all the sites manually, there can
Homes for sale in Salem Oregon
Homes for sale Salem Oregon The homes for sale in Salem Oregon have been a little thin lately. People have been keeping their places off the market due to the recent pandemic. We are seeing this in both Homes and land and predict it to stay about the same for a while. I would guess we will see more Homes for sale Salem Oregon once people start running into financial problems. Homes in Oregon The houses in Oregon have been increasing in value quite a bit the past few years. With this being said the home prices are at retail with all the buyers in the market right now. Oregon has been experiencing many people moving in the last few years, they must have figured out what a great state it is to live in. As a rule, houses in Oregon will be priced well and much cheaper than the homes you will find in California. Homes for sale in Oregon With any areas some will be more expensive than others, you will just need to shop on my site and see. www.homesforsalesalemoregon.net If you email me at al@cronemiller.com and let me know what you are looking for I can start the search. I would love to help you. Here is related articles that will help I have lived in Oregon all my life and know the state very well. If you are interested in a historic home, that is my specialty, love old stuff. for home in oregon Call me at 503-949-5025 Or email at al@cronemiller.com. Also visit my home search site at www.homesforsalesalemoregon.net. Thanks! HERE is another good one
Moving to Oregon? Check this out!
Moving to Oregon At last count we had about 110 people per day Moving to Oregon in the Portland area alone. When we look at current inventory of the houses for sale in Oregon we notice that Portland has 1.3 months. Salem has about 2.6 months just slightly higher than Portland. What this means is that if no new homes were to get listed , the homes that are currently listed would sell in 1.3 and 2.6 months respectively. This is as low an inventory as we have seen and it increases competition on the Oregon homes for sale to the point they are bid up beyond the amount they will appraise for. This creates problems everywhere. For instance, if you are Moving to Salem Oregon and looking for some Oregon real estate, Home prices have gone up, like most places, but we are now seeing buyers bid up the price of homes here in Salem, similar to what Portland is dealing with. Moving to Salem Oregon Things have drastically changed from the depth of the depression in Oregon. Back then we had 14.6 months of inventory compared to 1.3 months in Portland now. It has gone from a buyer’s market to a seller’s market. There are many cycles to real estate markets. As we see more and more people Moving to Oregon, we see fewer and fewer homes for sale spurring a building boom of affordable housing throughout Oregon. Currently we have many multi-family and Single Family Residential places under construction due to Moving to Oregon movement. https://www.youtube.com/watch?v=qYozNMMi3Gg Moving to Portland Oregon Not too long ago there were many houses for sale in Oregon, now if it is an area that produces jobs, the housing is limited. Portland being the top producer of jobs in the state has seen its share of traffic jams and congestion, and it does not look like it will get any better. Housing there is hard to find, weather its rental housing or single family homes. The Oregon homes that have seen the steepest increases in prices are the homes around the Portland area, this includes many small towns and is creating a real traffic problem. Land for sale Oregon has increased in popularity due to the fact housing is limited in its availability depends on how fast you move on it and what price you are willing to pay for it. I have many buyers looking for land, a stark difference from a few years ago. If you are moving to Salem Oregon just remember the homes for sale in Oregon have increased in price. They are still inexpensive compared to places like California but they are on the rise. Check out the PRICES of homes in Oregon If you are Moving to Oregon and you are looking for Oregon real estate there are many ways to search for it. You can first visit www.alanchomes.com and look for the most recent listings. Here you will find an IDX feed directly from the multiple listing service. You can also go to www.homesforsalesalemoregon.net and search for homes for sale in Oregon, either way, contact me and I will help you. al@cronemiller.com
Emerging Markets in Oregon- How to Profit
How to Profit from Emerging Markets in Oregon Whether you are moving to Oregon or live in Oregon it’s not a bad idea to understand what an emerging markets in Oregon are. The first time I Googled it I saw information on World markets. It’s the same thing, either on a huge stage or in your own backyard. Since I don’t pay too much attention to emerging markets on a global level, let’s talk about the emerging markets that happen in our own back yard. Emerging Markets When I started researching emerging market I realized that if the internet is talking about an area or a town being an emerging market, you were too late. In order to capitalize financially on an emerging market, you need to know it is emerging before anyone else does. APARTMENT Repositioning, check this success trick out So, this is how that works. To simplify things, it’s the increased amount of jobs in an area that increases its popularity. This dynamic increases the value of homes and all real estate in that area. This can happen to a whole town as well as a certain area within a city. Emerging Markets The Dalles Originally, I was looking for a historic home to remodel and sell. What would be better than to find a town close where the prices were going up faster than other places. I will demonstrate a case study I did a while back on a town in the Columbia river gorge. The Dalles is located about an hour east of Portland on the Columbia River, just 19 miles east of Hood River. Other than the Dalles Damn, agriculture is the areas livelihood. Then Google moved in. After learning this I started digging deeper. Google had invested 500 m in a new facility and was going through with another 500 M addition to their server farm. To go along with this, the company had also contributed to the community another 500 M for various needs. Google is a big player. Although this new plant of Google is not staffed heavily, the towns employment did increase and its influence will attract smaller businesses. This is where you schedule a meeting over a taco or two with the business development representative for the town. He or she will discuss what business are coming to town and offer a closer pulse on the towns development. If your town does not have this person, it’s not a good sign. Phil Knight helped tons! Along the way, I read that the Oregon Health Science Center had partnered with the hospital in The Dalles. Knowing that the center hung on the side of a hill in Portland and that future expansion did not seem feasible I thought the next logical place for expansion was in The Dalles. That’s what happened. Phil Knight, Mr. Nike, then donates 1B to the Oregon Health Science Center in Portland for cancer research, WHAT! I can see now what’s happening. With the biggest increase of jobs in the next 10 years being in the medical sector and related businesses at about 21%, any investor would take a second look at this dynamic. Remember if you can search out an emerging market on the internet, you’re too late. Emerging Markets in Oregon are great! Let me know how I can help! al@cronemiller.com or visit my website at www.homesforsalesalemoregon.net.
Historic Restorations Tips
MORE RealtyAl CronemillerLicenced in the State of Oregon Historic Restorations Don’t Forget This! If you are anything like me, I love old houses, especially Craftsman Style. The Craftsman era began in force right after the first World War 1 in about 1919, up until that point the war effort took up the time of many. Restoring a Historic Home can be fun, there is one thing you want to be careful with and that is Lead base paint was used on all of them. It wasn’t until 1978 that lead base paint was outlawed, however they began to eliminate this paint about 10 years prior to this. With that being said, if you are caught by the Environmental Protection Agency not properly containing the dust or paint chips you could get a huge fine. It is normally a neighbor that will turn you in. Just take this easy step. They have classes around that only take about 4 hours to complete. The cost is a little over 200.00 but it is well worth it, here is why. Lead base paint is especially tough on kids up to the age of 8. A kid’s body chemistry thinks lead base paint is calcium, so they will absorb all they can get. In many cases this will lead to learning disorders if to much is taken in. After the age of 8 their body does not need as much calcium and the less they will likely absorb. When doing any preparation before you paint, and lord knows there is bunches of that in a restoration, make sure you have a hepa-vac attached to your sanding tool’s, so all dust is taken into containment and can be properly disposed of. Normally a vibrating orbital sander works best. In class you will learn how to properly install plastic barriers and ground cover, so you are able to deal with the wind, if any, and have a means of gathering all the paint chips to stay in compliance. A heap-vacuum is a special vacuum that has high tech filters in it. Lead base paint removal is all about containing paint chips and dust. Like I said above, Craftsman homes all have lead base paint as do the hardwood floor’s clear coat. The same precautions should take place when finishing them. Historic Restorations can be tons of fun. To bring back the original luster of thies homes and give them a new lease on life is very fulfilling. The Craftsman era had so many wonderful colors, all very soft and inviting. If you are a purist like I am, special attention should be taken to choose the right colors. Many time’s you can have a 3-4 color paint scheme for your exterior. If you have high ceilings you can install a picture rail down about 2 feet from the ceiling and 2 tone your room for extra character. I will normally install crown molding so that I am able to get a nice contrast on the trim and the wall paint, making things look more authentic or period. Regardless of what direction you should go, I feel bringing your home back to its original luster is super important. I know the house will love it also. Check out the old homes in towns throughout the Willamette Valley here: www.homesforsalesalemoregon.net and contact me at al@cronemiller.com I would love to help.
Real Estate Salem Oregon
If you are moving to Oregon the real estate Salem Oregon is some of the best. Salem, The Cherry City earned a cherry ranking on our 2015 list thanks to its many recreational, cultural and natural amenities; easy access to quality and affordable health care; and a population well distributed across age groups to support both. This helps in its rankings as best places to live in Oregon, and like everything could be argued. You can look for yourself HERE Twenty-five percent of the 154,637 living in Oregon’s capital city are under age 18, and the city has many amenities to suit these children and young families. There is a park system of 46 parks covering more than 1,600 acres and still growing. Another popular attraction for kids is A.C. Gilbert’s Discovery Village, an interactive children’s museum with science-based exhibits throughout three Victorian homes. When I moved to Salem in 1969 those same three homes were vacant. Oregon real estate has changed. The city also scores well when it comes to educating these kids, too, largely because of its many choices. Salem-Keizer Public Schools is the second-largest public school system in the state, enrolling more than 40,000 students throughout 65 schools. Parents opting to send their kids to private schools have many options, as well. There will be many Oregon homes for sale in the areas where the good schools are located. Salem is home to the first university in the West, Willamette University, which enrolls approximately 1,800 students, as well as Corban University, an independent Christian college. Then there’s Western Oregon University in Monmouth, which is about 20 minutes from town, and an hour’s drive to Portland State University or University of Oregon in Eugene. Oregon State is about 45 minutes away in Corvallis. Education institutions employ many in the Salem area, where the largest employer is state government. The largest private employer, however, is Salem Hospital, which also elevated the city’s health-care scores considerably in terms of its economic impact, quality care and relative affordability. In the next 10 years the most job growth will be seen in the medical sector at about 21% of all jobs. With the hospitals footprint already established firmly, Salem’s rating of the best places to live in Oregon is surely to improve. If you are in the market for Oregon Real Estate, look me up, love to help. al@cronemiller.com