SB-21: Reforming Single-Room Occupancy Housing and Homeless Assistance- Quick Read California Senate Bill 21 (SB-21), authored by Senator Maria Elena Durazo and signed into Law on 10 October 2025, represents a significant update to the state’s housing policy. The bill addresses the rehabilitation and replacement of Single-Room Occupancy (SRO) units, a critical housing resource for extremely low-income and homeless individuals. It amends provisions of the Housing Crisis Act of 2019 to allow flexibility in redevelopment while maintaining affordability protections.
SB-21 (2025): How Sacramento Rewrote Single Room Occupant (SRO) Rules—And What It Means for Housing, Finance, and Cities- Technical Read SB-21, signed on 10 October 2025 (Chapter 511, Statutes of 2025), updates the Housing Crisis Act framework to allow jurisdictions to rehabilitate and replace single-room occupancy (SRO) buildings with more flexible unit replacement rules. This update, while securing long-term affordability and strengthening tenant protections, ensures a fair and balanced approach for all stakeholders. Most provisions take effect on 1 January 2026 (the regular effective date for non-urgency statutes).
Demonstrations and Rioting in the USA are a Big and Profitable Business Enterprise. History and economic dimensions of activist demonstrations and rioting in the United States, including its evolution into a profit-driven and politically charged enterprise:
The Psychology of Economic Behavior — Why We Choose What We Choose Let’s review a few comments between economists, Ludwig von Mises and Friedrich Hayek, and compare their views on purpose and individualism.
Top Mortgage Risks: Empowering Knowledge for Every Borrower and Lender. The mortgage industry, a vital pillar of the housing market, is not immune to significant risks. Both lenders and borrowers face challenges that, if not managed effectively, can lead to severe financial strain. Below, we present the top mortgage risks, ranked by their potential Impact, along with real-world examples, to raise awareness and caution.
AB-628: Working Refrigerators and Stoves Become Mandatory in Most Rental Homes (Effective 1 January 2026)- Technical Read
“Start-Stop” and “Stop -Go” Dynamics in Business: This is Not a Strategy, but Rather a Barrier. The phrase “Stop, and Go” is not just a simple expression, but a concept of profound importance in various aspects of life, particularly in the dynamic world of business. Its literal and metaphorical uses carry significant implications, shaping the way we understand and navigate the business landscape.
How to Locate, Vet, and Negotiate with Private Money Lenders: The Key to Secure and Confident Real Estate Financing, Packed with Valuable Insights (A Borrower’s Handbook)
American Moral Hazard Analysis, Sector-by-Sector: Government Inefficiency, Corporate Profitability, and Insurance Market Instability A moral hazard occurs when one party is insulated from risk and therefore behaves differently than they would if they were fully exposed to the consequences of that risk. The risks are systematically transferred to another group, a subset of the whole group, or an external entity.
AB-326: California Balcony/Exterior Elevated Elements (EEEs) Inspection and Repair, Compliance SB 326 vs. SB 721-What Property Owners/HOAs Must Do
Radicalized Ideologies Spring Up in the Age of Algorithms: Why, And How They Spread—and What Actually Works Against Them Radicalized ideologies thrive when three forces converge: grievance and the need for significance, compelling narratives that legitimize extreme means, and networks that reward commitment and belonging. Researchers frame these as needs–narratives–networks (or, in classic models, the “staircase” that narrows choices as people move upward).
A Collision of Good Intentions, Bureaucracy, and Market Reality with Far-reaching Consequences: California’s Entitlement Feed Back Loop