Real Estate Reno Nv Things To Know Before You Get This

The Facts About Real Estate Reno Nv Revealed

 

This permits you to boost your genuine estate portfolio by spending even more funding. To access the capital, you can market the residential or commercial property and reinvest the funds in one more residential or commercial property or use a cash-out re-finance to access some of the home's equity, supplying you with more resources to boost your actual estate profile, earning even more earnings.


Realty, nonetheless, supplies a hedge versus rising cost of living because as rising cost of living rates increase, so do actual estate costs commonly. This permits your investment to equal rising cost of living and you to maintain the power of the dollar. Leveraging your realty financial investment is among the ideal benefits of property investing.


A realty investment can end up being generational if you pass it down to your heirs, producing financial security for future generations - Real Estate Reno NV. Many financiers create a household business by starting an LLC to own and operate property financial investment residential or commercial properties, passing it to relative for years

 

 

 

5 Easy Facts About Real Estate Reno Nv Described

 

 

 

 

 


Realty investing is perennially prominent, and while high rates of interest might be softening the marketplace currently, capitalists are likely to storm back to property with a revenge, if and when rates fall. In truth, 29 percent of Americans stated that real estate was their leading choice for investing money they won't need for at the very least one decade, according to a 2022 Bankrate study.


Plus, new company platforms make it simpler than ever to buy property without having to generate tens of thousands or more in cash money. In this write-up The ordinary 30-year fixed-rate home loan strike a price of 7. 09 percent annual percentage return (APY) in January 2024, according to Bankrate information.


The total homeownership price in the United state was 66 percent in the third quarter of 2023 in line with where it was in the fourth quarter of 2022 according to the United state Census Bureau. 2 percent of those ages 65 and older owned their own homes, compared to concerning 38.

 

 

 

Unknown Facts About Real Estate Reno Nv


The median asking price for uninhabited for-sale homes in the 3rd quarter of 2023 was $314,000, contrasted to $284,000 in the fourth quarter of 2022, according to the U.S. Demographics Bureau. Since November 2023, the average residence was on the market for 52 days, according to That was up 16 days from March 2022.


6 percent in the third quarter of 2023, compared to 5. 8 percent in the 4th quarter of 2022, according to the U.S. Demographics Bureau. The real estate market has been hit hard by climbing rate of interest over the last couple of years. Rising rates make homes much less budget-friendly to consumers, implying that owners may have to reduce their asking costs to relocate a residential or commercial property, and reduced affordability held true for much of 2022 and 2023.

 

 

 

Real Estate Reno NVReal Estate Reno NV
The rate enhances aided make genuine estate less economical and lots of home vendors lowered their asking prices. In very early 2023, the average 30-year home loan price sat simply under 7 percent, the highest degree in over a years. Considering that then, home loan rates fell back in late 2023, as it came to be more clear that the Federal Reserve was unlikely to increase rate of interest additionally.

 

 

 

Fascination About Real Estate Reno Nv




And also if rates are high currently, it may just be a great time to gather cash money for a down settlement while awaiting prices to decrease in 2024. Keeping that in mind, here are 5 top methods to purchase realty. You could not typically think about your first house as an investment, yet lots of people do.


They make the needed adjustments, and after that charge market value for your homes, profiting on the difference between a fantastic read their all-in price (acquisition rate, rehabilitation costs, and so on) and the prices. House-flippers need a sharp eye wherefore can be taken care of at a sensible rate and the unfixable. They likewise need to approximate what a residence can later be offered for.


Or a home could not market rapidly, and after that the house-flipper is stuck paying any kind of interest on a lending till a buyer can be found. Caret Down Can start little with domestic real estate, hands-on administration (for the right kind of individual), multiplied returns through take advantage of, possibly quick gains on investment (if you have the abilities).

 

 

 

Getting My Real Estate Reno Nv To Work


Caret Down Buying underestimated residential or commercial property and rehabbing, costing more and duplicating, 1031 tax-free exchanges. Unlike previous choices, the next two methods to purchase real estate really are easy. Getting a their explanation REIT, or property investment depend on, is a terrific option for those who want go to these guys the returns of property with the liquidity and family member simplicity of having a stock.

 

 

 

Real Estate Reno NVReal Estate Reno NV
REITs have numerous benefits over standard property investing, and might make the procedure a lot less complicated. Nevertheless, purchasing REITs is not without its very own disadvantages. Like any type of stock, the cost on a REIT can fluctuate as the market gyrates. So if the market declines, REIT prices may go with it.


If you're buying private REIT supplies, you'll require to examine them meticulously, making use of the devices of a professional analyst - Real Estate Reno NV. One way to avoid this downside, however, is to buy a REIT fund, which owns numerous REITs and hence expands your exposure to any type of one business or market. Buying a REIT is a fantastic way to begin for a newbie with a little cash money, however you'll need to operate at it, too, given that there are still some methods to screw up a REIT financial investment
 

Market My Residences Rapid - Fast-Track Your Residence Sale

Navigating the Realty Market Made Easy With Our Deal House Solutions

 


Looking to browse the real estate market with ease? Understanding the ins and outs of the market is important, as well as our knowledgeable group is all set to assist you every action of the method. Let us make your real estate journey a breeze.

 

 

 

The Value of Comprehending the Realty Market



You require to comprehend the genuine estate market so you can make educated decisions when getting or marketing a home. The realty market is a complicated as well as ever-changing landscape that needs careful navigation. By recognizing the market, you can avoid pricey mistakes and optimize your possibilities of finding the best property or customer.


Since it helps you establish the best rate for a home, one of the factors why comprehending the actual estate market is vital is. By analyzing market trends and also equivalent sales, you can have a reasonable assumption of how a lot a residence is worth. This expertise empowers you to discuss effectively and also make sure that you are not underselling or overpaying.


Understanding the genuine estate market allows you to determine possibilities and also act swiftly. By staying informed concerning market conditions, you can find arising fads, such as areas that are experiencing quick development or homes that are underestimated. This knowledge provides you an affordable side and also increases your possibilities of locating a lot.

 

 

 

Cash Home BuyersCash For Home
Finally, recognizing the real estate market enables you to prepare for the future. By researching market projections and also forecasts, you can make educated choices concerning when to buy or sell. This guarantees that you are calculated in your actual estate undertakings and also can take advantage of desirable market conditions.

 

 

 

Exactly How Our Solutions Streamline the Purchasing Refine



Do not worry, we've got you covered with our simplified buying procedure. We recognize that acquiring a residence can be frustrating, yet our options are made to make the procedure as very easy as feasible for you. Initially, we begin by collecting info regarding your demands as well as preferences. We ask you questions concerning the kind of residence you're trying to find, your budget plan, and any particular features you desire. Based upon this info, we after that supply you with a curated listing of residential properties that satisfy your requirements. You don't have to invest hours exploring many listings-- we do the effort for you. We arrange viewings at your comfort once you've picked a few properties you're interested in. Our seasoned agents accompany you throughout the viewings, supplying useful insights as well as responding to any inquiries you may have. When you have actually found your desire house, we assist you with the settlement process as well as aid you protect the best bargain. We likewise guide you with the documentation, guaranteeing that every little thing is in order. Our objective is to make buying a home a stress-free experience for you, so you can concentrate on the exhilaration of finding your brand-new residence. With our simplified purchasing procedure, you can with confidence navigate the property market and also find the ideal home for you and also your family.

 

 

 

Optimizing Your Earnings: Marketing Your House Effortlessly

 

 

Sell My House For CashSell My House Fast
Offering your residence is made simple with our streamlined process that maximizes your revenues. We understand that selling your house can be an overwhelming job, but with our solutions, we aim to make it as worry-free and also very easy as feasible. sell my home. Our group of professionals will certainly assist you with every step of the process, from providing your building to working out the very best possible rate


First, we will perform a comprehensive market analysis to determine the optimum rate for your residence. This will make certain that you obtain the maximum worth for your building. We will certainly then create an eye-catching listing that highlights the special functions as well as advantages of your home, drawing in potential customers.

 

 

 

Cash Home BuyersSell My Home
Next, we will certainly manage all the advertising and marketing as well as marketing for your residential property. Our substantial network and also online visibility will certainly make sure that your house reaches a vast audience, increasing the chances of a fast sale. We will also work with as well as schedule provings, making it practical for both you and possible purchasers.


We will bargain on your part to get you the ideal feasible price once we get offers. Our group is competent in negotiation methods and also will function tirelessly to optimize your profits. We will certainly keep you upgraded throughout the process, ensuring transparency and also open communication.

 

 

 

Browsing the Challenges of Purchasing a New Home



Finding your desire home can be difficult, yet with our experienced group by your side, the process will certainly be simplified as well as worry-free. There are numerous obstacles that you may come across along the way when it comes to getting a brand-new home. Nevertheless, felt confident that we are here to lead you via every step of the journey.


Primarily, among the largest challenges is discovering the right location. When it comes to selecting a home that fits your way of life as well as requirements, we comprehend that place is important. Our team will work closely with you to identify the neighborhoods that line up with your choices, whether it's closeness to colleges, services, or your office.

 

 

 

 


An additional difficulty is identifying your spending plan as well as protecting financing. We have a network of trusted lenders that can aid you in getting the needed funds for your dream home. Our group will certainly assist you navigate the complicated process of mortgage applications and make certain that you obtain the finest feasible prices.

 

 

 

 


Additionally, the process of locating the ideal residence that meets all your criteria can be taxing as well as overwhelming. sell my house fast. Fear not, as our team has accessibility to a comprehensive database of listings more information and can tighten down the alternatives based on your particular needs.

 

 

 

The Benefits of Collaborating With Our Seasoned Realty Group



Working with our knowledgeable group will make the process of purchasing a news brand-new house simple and also hassle-free. Our property group understands the intricacies of the marketplace and has the expertise to direct you with every action. From finding the excellent house to bargaining the most effective cost, we are below to make your imagine homeownership a reality.




Among the advantages of collaborating with our group is our substantial expertise of the regional market. We are regularly checking the fads as well as staying updated with the most recent listings. This means that we can offer you with prompt as well as accurate information, making certain that you do not lose out on any type of chances.


Additionally, our team is skilled in the art of arrangement. We will certainly promote for your best interests, functioning tirelessly to secure the ideal possible deal for you. Whether it's negotiating the price, contingencies, or repairs, we will certainly make sure that you are obtaining one of the most value for your cash.


Moreover, our team is devoted to supplying phenomenal client service. We understand that acquiring a new residence is a considerable investment, as well as we will be there for you every action of the way. We will certainly answer your concerns, resolve your concerns, as well as supply you with the assistance you require throughout the whole process.

 

 

 

Conclusion



If you're looking to browse the real estate market with simplicity, look no better than our buy as well as market residence solutions. We comprehend the relevance of understanding the marketplace and also have simplified the acquiring procedure for you. With our seasoned property group, you can optimize your hop over to these guys profits when marketing your home as well as get over the challenges of getting a brand-new residence. Don't hesitate to function with us and also experience the advantages firsthand. Your real estate journey just got a whole great deal less complicated!


You require to comprehend the genuine estate market so you can make educated choices when getting or selling a home. One of the reasons why comprehending the genuine estate market is vital is because it assists you figure out the ideal cost for a property. With our simplified acquiring process, you can confidently navigate the real estate market and also locate the best home for you and your family.


Our real estate group recognizes the complexities of the market and has the knowledge to direct you through every action. If you're looking to browse the real estate market with ease, look no better than our buy as well as offer house options.
 

See This Report about Affinity Property Australia

Fascination About Affinity Property Australia

 

Garages are a crucial component of all homes. A garage door maintains your garage safeguard from burglars and also ensures that both your automobile and your house are risk-free as well as safe.

 

 

 

 

Property Management In North BrisbaneProperty Leasing In North Brisbane

If a garage door is not preserved properly, it can present significant safety dangers for you, your vehicle, as well as your enjoyed ones. To make certain that you do not jeopardize on security, it is advised that you get any type of issues with your garage door repaired as soon as you discover them.

 

 

 

 

It has actually been reported that regarding 18,000 people get wounded by their garage doors annually. If a garage door is damaged, it can obtain stuck or diminish, causing serious and also deadly injuries to anybody who ends up being a sufferer. If you discover that your garage door controls are not operating efficiently or you listen to any kind of uncommon sounds while the door opens up or shuts, as opposed to awaiting any accident, call a trustworthy garage door fixing company and get the garage door inspected as well as repaired right now.

 

 

 

 

Garages are usually attached to your residence. Like we stated previously, a great deal of people make use of garage doors as their key entryway. If your garage door does not close totally, it can function as an entrance for intruders or thiefs, presenting a wonderful threat to the wellness as well as safety of you as well as your family.

 

 

 

 

Excitement About Affinity Property Australia

 

The safety and security of your vehicle is additionally one of the most sensible advantages of prompt garage door repairs. A damaged garage door can close over your cars and truck or trigger scrapes on the auto's surface, which can be heartbreaking- actually! Obtaining your garage door repaired in a timely manner ensures that all the springtimes and joints in the garage door are in completely working order and also that they will open as well as close according to the controls you select.

 

 

 

 

Home Owners In North BrisbaneHome Owners In North Brisbane

Getting prompt garage door fixings assists you obtain any type of issues with your find this garage door chosen time as well as prevents the growth of any kind of significant faults. Getting prompt garage door repair work comes with several benefits such as crash prevention, certain shot safety of your residence and your automobile, as well as avoidance of any type of significant garage door damages.

 

 

 

 

 
http://www.place123.net/place/affinity-property-australia-kallangur-qld-australia

 

 

When we purchase an auto, we intend to make sure we maintain it safe. Garages with strong doors are built to protect our autos. Although these garage doors make sure security, they're not going to last permanently. With time, they start to wear down and become a headache for you. In these circumstances, instead of tackling the problem yourself, it is always much better to work with an expert garage door repair service firm like Door Doctor.

 

 

 

 

We supply you garage door installation, garage door opener setup, springtime repair, as well as various other solutions. As well as our specialists are trained to utilize the most current equipment and devices to deal with any garage door issue.

 

 

 

 

9 Easy Facts About Affinity Property Australia Described

 

Being the biggest relocating component of your house, garage doors are very hefty. This implies that your own DIY garage door repair work can be exceptionally harmful as well as subject you to injuries. You ought to not try to take care of the garage door on your very own, particularly if you do not have any training.

 

 

 

 

The major objective of a garage door is to maintain your residential or commercial property risk-free. Without a working garage door that can close completely, your residence, devices, and also lorries will certainly be left vulnerable to thieves as well as vandalism. It is important that you get your garage door repaired as quickly as feasible.

 

 

 

 

Doing your very own garage door repair service can take ages, specifically if you have no concept what you are doing. What's even worse is that you may even finish up buying the incorrect fixing devices as well as throw away a great deal of money! While it may be appealing to try doing your very own fixings to save cost, this can backfire and create you to invest much more money.





 

 

Overall, it is best to leave garage door repairs to those with appropriate training as well as experience. New England Expenses Door has been operating for over half a century as well as has actually built a great credibility in providing high quality garage door options and also outstanding customer service. Along with sales and also installation of garage doors as well as garage door openers, we also supply expert preventive repair and maintenance solutions.

 

 

 

 

Indicators on Affinity Property Australia You Should Know

 

A garage door substitute might be exactly what your garage and your home demands. New garage door installations in Wyckoff can offer several advantages, such as increased insulation, more ornamental options, and less require for future repair work.

 

 

 

 

Setting up a replacement garage door can provide you updated functions, such as higher safety and security and also much better insulation. With far better or more insulation in newer garage doors, this suggests your residence can have greater power effectiveness. A properly-insulated garage door can handle varying temperature levels better, which converts to extra effectiveness in your home.

 

 

 

 

Property Leasing In North BrisbaneAffinity Property In Australia

Newer garage doors been available in several kinds of products, such as light weight aluminum, plastic, fiberglass, and steel. Each of these alternatives have their very own special characteristics that can benefit your garage and residence. You will certainly also have even more layout selections with a garage door substitute. You may want windows, different shades or discolorations, or an entirely brand-new style.

 

 

 

Not known Facts About One Bedroom Apartments Near Culver City

The Only Guide to One Bedroom Apartments Near Culver City


When you have actually cleaned up out any remnants of the previous renter, you'll be able to start your fresh beginning.


Typically, property supervisors will certainly request your rental history, proof of regular monthly earnings, recommendations, and also your social safety details to run a credit history or history check - apartments near hollywood boulevard. If you require to understand which files you need to supply, provide the proprietor or renting representative a contact us to discover what they call for.


When looking for your initial apartment, it's important that you make certain you are browsing for verified listings. Do not ever before offer your personal info such as your social protection number or savings account number without touring the device as well as confirming that the landlord or residential property administration company is legitimate. To find out more on rental scams check out our overview on common rental scams and also exactly how to prevent them.




The Greatest Guide To New Apartments Los Feliz


Lessees might be accountable for some energies such as net and also power, however property owners may include gas as well as water in your monthly rent quantity (new apartments near culver city). Include this question on your checklist when visiting prospective devices. There are both advantages and disadvantages to having utilities consisted of, such as not having accessibility to the thermostat.


Cancel your utilities and renters insurance coverage plans, as well as onward your mail to your new home. You must ensure you leave the apartment or condo squeaky clean and also guarantee it's in great condition.


This is specifically useful in emergency situation circumstances where you don't wish to squander time finding or getting in touch with off-site managers or upkeep workers. Among the most crucial aspects of a residence is its safety and security. As well as while you ought to have tenants insurance policy, you should not need to fret about your apartment obtaining damaged right into or having your personal belongings taken.




The 8-Minute Rule for One Bedroom Apartments Near Culver City


Not just is this area made use of by the apartment or condo community for resident get-togethers, but it's area that can likewise be rented out by homeowners for private celebrations and also occasions. Why pay for a health club membership when you can simply work out at your house's very own health and fitness? While these aren't always conventional, gym and gyms are turning into one of the a lot more usual home facilities.


Pool are one of the most desirable home facilities for renters. Whether it's an you can try this out outdoor pool and also warm tub or an indoor swimming pool that supplies year-round swimming, if you're interested in renting a house that consists of a pool, you may intend to consist of that on your apartment or condo shopping list while searching.




One Bedroom Apartments Near Culver CityNew Apartments Near Culver City

 



As opposed to having to take your opportunity at locating open equipments in a common utility room or spending more time and also cash at the regional laundromat each week, you can clean your garments in the comfort of your own residence with this hassle-free house function. If you desire updated kitchen area devices, that's something to note on your house features shopping list.




The Best Guide To Luxury Apartments In Los Feliz


Contrasted to typical carpet, hardwood floors click over here are much easier to clean, more long lasting, as well as can improve the air top quality in your space. Be certain to keep an eye out for hardwood floor covering in prospective home systems, especially in areas where the flooring may enter into call with dampness like cooking areas, shower rooms, and entranceways.


Media packagessometimes called modern technology packagesare marked down bundles of both Wi, Fi and cable television progressively offered by apartment residential properties. Usually, a media package is easier than having to contrast have a peek at this site prices for private services from private carriers. This is an essential element of apartment or condo leasing to inquire about when exploring prospective units.




Whether you're functioning from house or simply want to stream TV shows and also motion pictures, net gain access to is a must. Many commercial homes supply fiber web, built-in Wi, Fi, or marked down rates to select companies in your location.




Not known Details About Luxury Apartments In Los Feliz


On-line sites can typically be utilized for even more than just settlement, too. Some will enable you to call your leasing representative directly or file a paper-free maintenance demand from anywhere. If you're going to have packages supplied to your apartment or condo, you'll want a protected method to get them. Lots of homes are beginning to provide package lockers in enhancement to standard mail boxes.




 


One of the most underrated home facilities is area occasions.!! *** Required to save valuables while you relocate right into an apartment?


Ask yourself the adhering to questions: Do you choose city or country areas? Exactly how long of a commute are you ready to live with? Is access to public transportation crucial to you?




The Of Luxury Apartments In Los Feliz


One Bedroom Apartments Near Culver CityLuxury Apartments In Los Feliz
Does the monthly lease fit within your budget plan? Are various sizes of time (3 months, 6 months, one year) available? What occurs if you need to move before the lease is up? Is the neighborhood pet-friendly? If so, are there any type of corresponding fees or lease? In our linked globe, gain access to has come to be an essential factor to consider when choosing an apartment.

 

What Does Simply Sold Re Do?

The Simply Sold Re Ideas

 

Company or institutional workers may work for years prior to they are considered that much responsibility, if ever before in any way. When you come to a gathering, the area won't go quiet since the real estate representative has gotten here. Nevertheless, you will remain in a respected occupation, where clients will certainly value your ability to aid them make essential choices.




The drawback of duty is the risk of making mistakes, As a genuine estate representative, you will possibly be functioning under little or no direct supervision. (You intended to be independent, keep in mind?) Also if you have a train, coach, or a conscientious manager or broker, you will have lots of possibilities to make blunders.

 

 

 

 


Make sure you include the certificates of completion for all 6 pre-license courses, but NOT as original files only copies. You'll also have to pay an application fee (presently $205) at the very same time. TREC instantly rejects applications that do not consist of settlement. After your application needs are satisfied, TREC will certainly send you a qualification letter with a "TREC ID" that you can utilize to register for the next two steps.


Candidates are called for by regulation to have fingerprints on file with the Texas Department of Public Safety And Security (DPS) to make sure that a history check can be carried out. No other agency is approved. The DPS will certainly then pass your fingerprints on the FBI for a history check. Texas currently makes use of the supplier Morpho, Trust fund to collect and submit finger prints to the proper companies.

 

 

 

The 3-Minute Rule for Simply Sold Re


As soon as you have your TREC ID, you can register for as well as schedule your main state licensing test (https://pubhtml5.com/homepage/qfxvk/). For the exam, you'll pay an examination charge, which is presently $54 - we buy houses new york city. Texas utilizes the third-party testing service Pearson, VUE to administer their exam in testing locations throughout the state.

 

 

 

Sell Your House For Cash New York CityWe Buy Houses For Cash New York City
At this stage, you are still not accredited to do accredited real estate tasks. The legislation requires sales representatives to be sponsored by a licensed as well as active Texas genuine estate broker. Acting without a funding broker is equally as poor as exercising property without a permit. You can enter huge problem.


By regulation, sales agents can't do certain essential tasks like taking care of funds. You can't practice up until the paperwork of an energetic actual estate license is in your broker's belongings.

 

 

 

 


It's likewise worth noting that the final exams for pre-license courses have to be proctored, or monitored to guarantee you aren't cheating. The actions of locating a proctor, organizing all 6 examinations, as well as taking them can add weeks to the procedure.

 

 

 

Indicators on Simply Sold Re You Need To Know


Real estate brokers and also sales agents need to be pleasant when engaging with customers. Genuine estate brokers and also sales agents normally require a high institution diploma or equal to enter the profession.


Although most brokers and also representatives have to take state-accredited prelicensing programs to come to be licensed, some states waive this demand if the prospect has taken college programs in realty - sell my house new york city. Some area universities and also 4-year colleges offer courses, degree programs, or certificate programs in real estate. These postsecondary credentials usually are not needed, however lots of realty brokers and also sales representatives have a bachelor's level.


Minimum demands for candidate licensure differ by state but typically consist of being at least age 18, having a high college diploma or matching, completing prelicensing training courses, as well as passing a test. Some states have reciprocity contracts that streamline the procedure for brokers and agents certified in one state to obtain a license in an additional state.


In a lot of states, brokers and representatives must finish proceeding education and learning courses to restore their license. Potential brokers and also agents must validate requirements with the genuine estate licensing payment of the state in which they wish to function.

 

 

 

An Unbiased View of Simply Sold Re


Real estate sales representatives boost their abilities with practice and rep. Some supply formal training, while others allow internet their representatives to get in the field instantly after obtaining their certificate.

 

 

 

Cash For Houses New York CityWe Buy Houses New York City
Due to the sales atmosphere and also the complexity of realty bargains, new representatives might observe and function very closely with more elderly representatives. Larger realty firms may offer official class training for new representatives as a method to get knowledge and experience, while others supply training to staff members studying for their genuine estate licensing test.


Representatives associated with a lot of residence sales might have a shorter period of on-the-job training than agents included in couple of purchases. Sales representatives may advance by getting a broker's permit. Brokers might open their very own organization or work as associate brokers to manage an independent office within a genuine estate business.


Because a lot of property brokers and also sales representatives are self-employed, they should be able to handle every element of their organization, consisting of payment and also advertising. Property brokers as well as sales representatives spend a lot of their time engaging with others, such as clients and specialists. They have to be positive, considerate, as well as reliable.

 

 

 

The 5-Second Trick For Simply Sold Re


Property brokers as well as sales agents must have the ability to address problems associating to a property. They likewise mediate arrangements between a seller and also a purchaser. Because they usually have little or no guidance, realty brokers and also sales agents have to have the ability to work individually.
 

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15