Real estate lake wales florida

I love the posts where someone is trying to retire with about $200k at 34 years old.
We will have no debt in retirement.
Our plan is to retire at 55 (rule of 55) when our net worth reaches $5 to 6 million. We currently have about $2.5M in retirement accounts, plus some real estate.
Income will be from dividends, multiple rental houses and some apartment syndication deals. Currently we make about $450k a year, plus about $50k from the investments above.
Thinking about the 4% rule, can we live on $200k a year? Seems tough, but I think we'll give it a try. Maybe live somewhere cheap for a while, like south America.

Hi everyone, I (M24) have been interested in real estate for a few years but don’t have any skin in the game yet.
Recently, my grandfathers informed me that I’ll be inheriting a parcel of land in an ‘up and coming’ city in the northeast. Apparently he’s had this land for 50+ years and has recently gotten special zoning which allows construction of 15 units. This is an effort from the city to increase housing as they have been overhauling infrastructure, cleaning up the city, and bringing a lot of business in.
I do believe this would be a great investment and it is mind boggling to think about owning 15 units, but the biggest and most obvious issue is that I do not have the funds to construct them myself but I would hate to just sell away the land.
Anyone been in any similar situations regarding developing their own units and needing funding? By my research it would cost at least $2M but rent in the area could be as high as 3500/mo / unit (630k per year gross). Bank construction loans are an option but that is a lot of debt that I’m not super eager to take on, and I understand a partnership with a developer could be possible but am not totally sure how to go about that.
I would love to hear anyone’s thoughts or experiences as I’m debating what to do.

Hey everyone,
my name is Matt, and I am an experienced full-stack developer with over 4 years of experience that is able to transform your idea into a fully working application. My portfolio of work includes successful projects that have demonstrated my ability to meet challenging deadlines while maintaining a focus on quality and performance. Over the years, I've worked on a large number of projects, ranging from a payment application in the UK to an IoT and AI Real-estate platform in Germany.
My stack currently consists of: ⚙️ Backend - Java Spring Boot, ExpressJS, NextJS 🖥️ Frontend - ReactJS 🛠️ Tools and Databases - AWS (EC2, RDS, S3, Lambda), Jira, PostgreSQL, MongoDB, Sentry
My current hourly rate is $40. I'm available for full-time or part-time positions or on a per-project basis so feel free to email me at [[email protected]](mailto:[email protected]) or send me a PM with an overview of your idea to get started.
You can also take a look, or contact me, at my LinkedIn profile to see the projects I've worked on. I can also provide my resume upon request.
Have a great day!

Hey everyone,
my name is Matt, and I am an experienced full-stack developer with over 4 years of experience that is able to transform your idea into a fully working application. My portfolio of work includes successful projects that have demonstrated my ability to meet challenging deadlines while maintaining a focus on quality and performance. Over the years, I've worked on a large number of projects, ranging from a payment application in the UK to an IoT and AI Real-estate platform in Germany.
My stack currently consists of: ⚙️ Backend - Java Spring Boot, ExpressJS, NextJS 🖥️ Frontend - ReactJS 🛠️ Tools and Databases - AWS (EC2, RDS, S3, Lambda), Jira, PostgreSQL, MongoDB, Sentry
My current hourly rate is $40. I'm available for full-time or part-time positions or on a per-project basis so feel free to email me at [[email protected]](mailto:[email protected]) or send me a PM with an overview of your idea to get started.
You can also take a look, or contact me, at my LinkedIn profile to see the projects I've worked on. I can also provide my resume upon request.
Have a great day!

Hey everyone,
my name is Matt, and I am an experienced full-stack developer with over 4 years of experience that is able to transform your idea into a fully working application. My portfolio of work includes successful projects that have demonstrated my ability to meet challenging deadlines while maintaining a focus on quality and performance. Over the years, I've worked on a large number of projects, ranging from a payment application in the UK to an IoT and AI Real-estate platform in Germany.
My stack currently consists of: ⚙️ Backend - Java Spring Boot, ExpressJS, NextJS 🖥️ Frontend - ReactJS 🛠️ Tools and Databases - AWS (EC2, RDS, S3, Lambda), Jira, PostgreSQL, MongoDB, Sentry
My current hourly rate is $40. I'm available for full-time or part-time positions or on a per-project basis so feel free to email me at [[email protected]](mailto:[email protected]) or send me a PM with an overview of your idea to get started.
You can also take a look, or contact me, at my LinkedIn profile to see the projects I've worked on. I can also provide my resume upon request.
Have a great day!

Hey everyone,
my name is Matt, and I am an experienced full-stack developer with over 4 years of experience that is able to transform your idea into a fully working application. My portfolio of work includes successful projects that have demonstrated my ability to meet challenging deadlines while maintaining a focus on quality and performance. Over the years, I've worked on a large number of projects, ranging from a payment application in the UK to an IoT and AI Real-estate platform in Germany.
My stack currently consists of: ⚙️ Backend - Java Spring Boot, ExpressJS, NextJS 🖥️ Frontend - ReactJS 🛠️ Tools and Databases - AWS (EC2, RDS, S3, Lambda), Jira, PostgreSQL, MongoDB, Sentry
My current hourly rate is $40. I'm available for full-time or part-time positions or on a per-project basis so feel free to email me at [[email protected]](mailto:[email protected]) or send me a PM with an overview of your idea to get started.
You can also take a look, or contact me, at my LinkedIn profile to see the projects I've worked on. I can also provide my resume upon request.
Have a great day!

Hey everyone,
my name is Matt, and I am an experienced full-stack developer with over 4 years of experience that is able to transform your idea into a fully working application. My portfolio of work includes successful projects that have demonstrated my ability to meet challenging deadlines while maintaining a focus on quality and performance. Over the years, I've worked on a large number of projects, ranging from a payment application in the UK to an IoT and AI Real-estate platform in Germany.
My stack currently consists of: ⚙️ Backend - Java Spring Boot, ExpressJS, NextJS 🖥️ Frontend - ReactJS 🛠️ Tools and Databases - AWS (EC2, RDS, S3, Lambda), Jira, PostgreSQL, MongoDB, Sentry
My current hourly rate is $40. I'm available for full-time or part-time positions or on a per-project basis so feel free to email me at [[email protected]](mailto:[email protected]) or send me a PM with an overview of your idea to get started.
You can also take a look, or contact me, at my LinkedIn profile to see the projects I've worked on. I can also provide my resume upon request.
Have a great day!

Hey everyone,
my name is Matt, and I am an experienced full-stack developer with over 4 years of experience that is able to transform your idea into a fully working application. My portfolio of work includes successful projects that have demonstrated my ability to meet challenging deadlines while maintaining a focus on quality and performance. Over the years, I've worked on a large number of projects, ranging from a payment application in the UK to an IoT and AI Real-estate platform in Germany.
My stack currently consists of: ⚙️ Backend - Java Spring Boot, ExpressJS, NextJS 🖥️ Frontend - ReactJS 🛠️ Tools and Databases - AWS (EC2, RDS, S3, Lambda), Jira, PostgreSQL, MongoDB, Sentry
My current hourly rate is $40. I'm available for full-time or part-time positions or on a per-project basis so feel free to email me at [[email protected]](mailto:[email protected]) or send me a PM with an overview of your idea to get started.
You can also take a look, or contact me, at my LinkedIn profile to see the projects I've worked on. I can also provide my resume upon request.
Have a great day!

My name is Laura, and this is my story. It's a tale of fear and the unknown, of love and betrayal, and of the strength of a mother's love. It all started when my husband, Adam, and I decided to start a new life in a beautiful villa by the lake in the small town of Kruklanki. The villa, standing alone amidst the vast expanse of nature, was like an island, symbolising our isolation. The lake, with its calm surface hiding unknown depths, mirrored the unknown we were about to step into.
We were a young couple, full of hope and dreams. Adam, with his easy smile and infectious laughter, was my rock. We dreamt of a peaceful life, of raising our child in the serene surroundings of the villa. We shared a love for the outdoors, often spending our evenings stargazing, our hands intertwined. The villa stood tall amidst a lush emerald forest, its weathered stones blending harmoniously with the vibrant foliage. Sunlight filtered through the dense canopy, casting ethereal patterns on the moss-covered path leading to the entrance. The air was fragrant with the scent of damp earth and wildflowers, inviting us to embark on our new life.
But even as we unpacked our belongings, I couldn't shake off a strange feeling. Adam, usually so attentive, seemed distant, his mind elsewhere. I dismissed it as stress from the move. Little did I know then, it was a sign of the betrayal that was to come. Soon after we settled in, I couldn't shake off a sense of foreboding. The villa, once a symbol of our dreams, was starting to feel like a prison, its grandeur overshadowed by a chilling silence. And the lake, once a symbol of peace, now seemed to whisper of hidden dangers beneath its serene surface.
Soon after we settled in, I began to experience strange and terrifying events. At first, they were just subtle nuances: shadows moving along the corridors, whispers in the night, vague movements nearby. I tried to dismiss them as figments of my imagination, but they became increasingly disturbing and intense, filling me with a chronic sense of fear.
Adam, my husband, was sceptical. He believed that these were just products of my imagination, the result of stress from the move and adapting to a new place. Adam, ever the rationalist, tried to reassure me. 'Laura, it's just the stress of the move and the pregnancy,' he would say, his eyes full of concern yet disbelief. 'There's no real danger.' His words, meant to comfort, only served to widen the chasm between us. But I could feel it, something was not right.
One night, I woke up to a chilling whisper. It was so close, as if someone was right next to me. I turned on the bedside lamp, but there was no one there. The room was empty, but the feeling of being watched was overwhelming. My heart pounded in my chest, my palms were sweaty, and I was shaking.
'Adam,' I whispered, nudging him awake. He groaned, turning to face me. 'Did you hear that?'
'Hear what?' he mumbled, his eyes half-closed.
'The whispering. It was right here, right next to me.'
Adam sighed, rubbing his eyes. 'Laura, you're just stressed. It's the new house, the new surroundings. You're imagining things.'
I wanted to believe him, to write it off as a product of stress and fear. But deep down, I knew something was not right.
The next day, I noticed something else. The shadows in the house seemed to move on their own, even when there was no one around. I could hear soft whispers, but when I tried to locate the source, there was nothing. I felt like I was being watched, followed. I tried to tell Adam about it, but he just brushed it off, saying I was just stressed and needed rest.
But I knew something was wrong. I could feel it in my bones. The house was not just a house. It was something else, something sinister. And I was trapped in it, with no one to believe me, no one to help me. I was alone, and I was scared.
The days turned into weeks, and the strange occurrences in the villa didn't cease. If anything, they became more frequent, more intense. I started noticing mysterious figures around the villa, always on the edge of my vision. They were close, yet always just far enough that I couldn't make out their features. Their presence filled me with a sense of paranoia and constant danger. I felt like a prey being watched by predators, waiting for the right moment to strike.
Our neighbours, Mr. and Mrs. Graverson, began to show an unusual interest in me. One afternoon, as I was tending to the garden, Mrs. Graverson approached me.
'Laura, dear,' she said, her voice sweet yet somehow unsettling. 'How are you finding Kruklanki? Is the villa to your liking?'
Her questions seemed innocent, but there was something in her gaze that made me uneasy.
Mrs. Graverson's eyes lingered on my stomach for a moment too long, a strange smile playing on her lips, something I couldn't quite define. Mr. Graverson, with his piercing gaze, and Mrs. Graverson, with her constant, unsettling smile, were always too eager to help. Their behavior was suspicious, their questions too probing. They seemed particularly interested in my pregnancy, their eyes lingering on my growing belly a moment too long. I couldn't shake off the feeling that they were hiding something.
One day, Mrs. Graverson came over with a basket of freshly baked cookies. As she handed them to me, her gaze lingered on my stomach. There was something in her eyes, a strange intensity that made me uncomfortable. I didn't know it then, but it was a hint of the dark intentions that lay beneath her friendly facade. I was pregnant at the time, and her eyes seemed to hold a strange fascination for my unborn child. It was a fleeting moment, but it sent chills down my spine.
As time passed, I began to suspect that the Graversons were part of a cult practising occultism, planning to use my unborn child in a dark ritual. It was a terrifying thought, but the pieces of the puzzle were starting to fit together. The strange occurrences, the mysterious figures, the Graversons' unusual interest in me and my child, it all pointed to something dark and sinister.
I started finding evidence of their involvement in other dangerous activities. I found strange symbols carved into the trees around their house, symbols that I later found out were associated with occult practices. I also noticed that they would often disappear during the night, only to return in the early hours of the morning, looking exhausted and secretive.
I suspected that they were responsible for the strange events and observations. The fear was overwhelming, but I knew I had to protect my child. I was alone in this fight, with no one to turn to. But I was determined. I was a mother, and I would do anything to keep my child safe.
In my desperation, I turned to the local clergyman, Father Christopher. He was a quiet man, always keeping to himself. I had often wondered why he seemed so distant, so detached from the rest of the town. Little did I know, his aloofness was a sign of the secrets he was hiding. I found him in the church, his eyes filled with a quiet serenity.
'Father Christopher,' I began, my voice trembling. 'I need your help. There's something... something wrong in the villa.'
He looked at me, his gaze thoughtful. 'Tell me everything, Laura,' he said, his voice calm and reassuring.
I went to the church, hoping to find some solace, some protection. I wanted to tell him about my experiences, ask for his support and protection. But to my surprise, Father Christopher seemed to be absent and avoided contact with me.
I tried to reach out to him several times, but each time, I was met with silence. His absence was strange, and it made me wonder if he was involved in this intrigue. The thought was terrifying, but I couldn't ignore the possibility. I felt even more disoriented and anxious when I discovered that Father Christopher might be involved in the conspiracy.
I started to suspect that he himself was a member of the cult or was being intimidated by them. This discovery made me feel even more alone and defenceless in the face of the impending threat. I was desperate and isolated, and I had to fend for myself.
I decided to seek information on my own to uncover the truth and find a way to protect myself and my unborn child. I spent countless hours researching, trying to understand what was happening. I read about occult practices, about cults and their rituals. The more I learned, the more terrified I became. But I knew I had to keep going, for the sake of my child.
One night, as I was poring over an old book about local legends and myths, I came across a passage that sent chills down my spine. It spoke of a cult that had once existed in Kruklanki, a cult that practised dark rituals involving unborn children. The description matched the Graversons' behaviour and the strange occurrences in the villa. I knew then that my suspicions were not unfounded.
I decided to confront the Graversons. I knocked on their door, my heart pounding. 'I've noticed you've been acting strangely,' I said, trying to keep my voice steady. They exchanged a glance, their smiles never reaching their eyes. 'We're just concerned for you, dear,' Mrs. Graverson replied, her voice too sweet. But their reassurances did nothing to quell my fears.
I was up against something far more dangerous than I had imagined. But I was not going to give up. I was a mother, and I would do whatever it took to protect my child.
As my due date approached, I realised that time was running out and the threat was becoming greater. I had a recurring dream, a nightmare really, of a clock ticking loudly, its hands moving faster and faster. It was a chilling reminder of the impending danger, a foreshadowing of the race against time that lay ahead. I had to act quickly to save my child and uncover the truth. My maternal instinct and determination had strengthened, giving me the power to fight against the unknown and dark enemy. Despite the exhaustion tugging at my eyelids, I poured over the ancient texts, my fingers tracing the cryptic symbols. I wouldn't rest, not until I had found a way to protect my child, and I made a decision that would change everything.
I decided to find a mysterious book that, according to legend, had the power to protect against dark forces. I began an intensive search, scouring old libraries, archives, and places connected with the history of Kruklanki. I studied ancient writings, mythologies, and ancient rituals, trying to find clues and the key to solving this dark mystery.
During my search, I uncovered a horrifying history of Kruklanki. It turned out that many years ago, similar rituals had taken place in the town, bringing a curse and evil upon its inhabitants. The town's past was steeped in blood and dark secrets. Now, the cult wanted to renew this power and use my unborn child in their dark plans.
I spent countless hours in the town's library, pouring over old books and documents. I found references to a cult that had existed in Kruklanki centuries ago, a cult that had been banished after a terrible event. The details were vague, but it was clear that the cult had been involved in dark rituals and practices.
The more I learned, the more terrified I became. But I also felt a strange sense of determination. I was not just fighting for myself anymore, I was fighting for my child. And I was not going to let anything harm my baby.
I knew that finding the book was a long shot, but it was the only hope I had. I had to believe that it existed, that it could help me. As my due date approached, the Graversons' interest in me seemed to intensify. They would drop by unannounced, their questions becoming more personal, their gazes more intrusive. I had to believe that I could protect my child, that I could find the mysterious book and put an end to this nightmare.
In a dramatic turn of events, I discovered that Adam, my husband, had been bribed by the cultists and intended to give them our unborn child. A cold numbness spread through me as I read the words, each sentence a dagger to my heart. I could barely breathe, the paper trembling in my hands and fueled my motivation to fight even more. At first, I refused to believe it, but the evidence was overwhelmingly strong.
I found a letter hidden in his drawer, a letter from the Graversons. It spoke of a ritual, of a promise of power and wealth, and of our child. I couldn't believe what I was reading. The man I loved, the man who would hold me during those terrifying nights, was planning to betray me and our unborn child. Was it the promise of power and wealth that lured him? Or was he manipulated, ensnared by the Graversons' cunning words? The betrayal cut deep, but I had no time for despair.
I confronted Adam, my heart pounding in my chest. 'Adam,' I said, holding out the letter. 'What is this?'
He looked at the letter, his face paling. 'Laura, I...'
'You were going to give our child to them, weren't you?' I demanded, my voice shaking with anger and betrayal. He fell silent, his silence confirming my worst fears.
The look in his eyes confirmed my worst fears. I felt a wave of despair wash over me, but I knew I had to stay strong for my child.
I had to face Adam and defeat the dark forces that were plaguing Kruklanki. I pushed the boundaries of my courage and strength to protect my child and prevent the cultists from performing their dark ritual. I also had to confront my own fears and doubts that accompanied me.
In the hours leading up to the confrontation, I prepared myself for the battle ahead. Father Christopher had given me a small cross, a symbol of faith and protection. Clutching it tightly, I steeled myself for what was to come. As I entered the church, the cultists turned towards me, surprise flickering in their eyes. I stepped forward, my voice echoing in the silence, 'This ends now.' Adam was among them. Our eyes met, and for a moment, I saw a flicker of the man I once knew. But it was gone as quickly as it came. He stepped forward, trying to dissuade me, but I stood my ground. 'You won't take my child,' I declared, my voice steady despite the fear coursing through me. It was a moment where the power of a mother's love and courage broke through the darkness and triumphed over it.
I stood in the church, my heart pounding in my chest, as I faced the cultists. I could see the surprise in their eyes as I confronted them, as I defied them. With Father Christopher by my side, we fought against the darkness that threatened to consume us.
In the end, love and courage prevailed. I managed to save my child, to protect him from the darkness that had threatened to take him away from me. It was the hardest thing I had ever done, but I would do it again in a heartbeat for my child.
In the aftermath of the confrontation, the town was eerily quiet. The cultists had been defeated, their dark plans thwarted. Adam was nowhere to be found, and I was left to pick up the pieces of my shattered life.
In the days that followed, the weight of the ordeal began to lift, replaced by a newfound strength within me. I made the decision to leave the villa behind, a physical representation of the darkness that had consumed my life. With each step I took away from that place, I felt a sense of liberation and determination.
I found a small house nestled in the heart of Kruklanki, a place where the warmth of the community embraced me. As I settled into my new home, I realised that my journey was not just about protecting my child, but also about finding my own strength. Through the trials I had faced, I had discovered a reservoir of resilience and courage within myself that I never knew existed.
Father Christopher, my steadfast companion, continued to provide guidance and support. We spent countless hours in conversation, sharing our experiences and searching for meaning in the darkness that had enveloped Kruklanki. Through his wisdom and unwavering faith, I learned to embrace my role as a protector and a fighter.
As time went on, I saw the transformation within me. The fear that once gripped my heart had been replaced by a fierce determination to rebuild and find joy in the simple moments. I laughed with neighbours, embraced the beauty of the lake, and reveled in the innocent smiles of my child.
In the midst of the darkness, I found my own light. The journey had not only saved my child but had also saved me. I was no longer the frightened woman who arrived in Kruklanki, but a mother fortified by love and an unyielding spirit. Together, my child and I would create a new story, one filled with hope and the resilience to face any darkness that may come our way.
Despite everything, I found hope. Hope in the kindness of Father Christopher, hope in the strength of my love for my child, hope in the possibility of a new beginning. I had faced the darkness and come out on the other side stronger and more determined.
This is my story, a story of fear and courage, of darkness and light, of despair and hope. It's a story of a mother's love, a love so strong it can conquer even the darkest of evils. And it's a story of Kruklanki, a town that faced its dark past and emerged stronger.

Hi lovely people of blogsnark,
I was wondering if you have any recommendations of bloggers who are focused on their financial journeys? Dept repayment or strict budgeting or shopping bans?
And I'm really interested in more humble and relatable stuff rather than those who talk about investment, real estate, and their 6 figure income.

Okay so here is a crazy theory about the Eras Tour. So the stage is kind of shaped like a T and you know what else starts with T. Taylor Swift. But you know what else also starts with T. Tim McGraw, which is coincidentally the first song on her debut album. Also, soon into the tour, around the time when her break up with Joe occurred, she switched the song "invisible string" for the song "the 1;" Tim McGraw is the FIRST song on her FIRST album and it was part of her First set of surprise songs at the FIRST day of the Eras Tour. Right after Tim McGraw she dove into the stage. So what does this prove? That Taylor Swift, when she dove into the stage on the first night of The Eras Tour, actually went through a time travel portal and got plastic surgery in a different timeline and then time traveled again and went back in time and wrote Tim McGraw and the entirety of her debut album about her breakup with Joe & her time travel and real past self & that's why we have debut. Here's a song-by-song breakdown:
Tim McGraw: already explained. It's a breakup song and an Easter egg for the time travel.
Picture To Burn: again, breakup song. Could also tie into You're Losing Me with the line about the phoenix since phoenixes burn things. Also a 1989 Taylor's Version Easter egg because of the Polaroid album cover = picture.
TOMG: Easter egg for Midnight Rain because she talks about being sad at night and crying and tears are like rain and midnight is during the night. Drew is actually Matty Healy but the name has been changed to not inform her past self.
A Place In This World: this is a reflection on the real estate market after Joe kicked her out. it's so inflated these days and after spending all her money on the time machine and the plastic surgery so she could impersonate her younger self, she had no money for A Place In This World.
Cold As You: the parallels to You're Losing Me are strong. Both are about an ex (Joe) who didn't care enough. You're Losing Me has strong references to death and you know what happens after death? The body goes cold.
The Outside: the aftermath of Taylor getting kicked out by Joe. She's on the outside and none of her friends will let her in. Think of Dear Reader, where she talks about "pacing in her pen" because "her friends found friends who care." Her pen is actually the time machine where she is living with her cats because she can't find a home and her friends found friends who care.
TTWAS: This is about the first signs of struggle in her relationship with Joe. The person in this song is actually a metaphor for their relationship and isn't real. Their relationship is failing, and they're holding it together with smiles and fake happiness. Just like in the song "happiness" where she talks about "fake niceties."
Stay Beautiful: This is about how she wishes Joe would come back because he's so beautiful. However, the bridge (specifically "if you and I are a story that never gets told") was clearly added on by past Taylor after present Taylor returned to our time. Cory is also an addition by past Taylor.
Should've Said No: this connects to the end of the bridge of You're Losing Me, where she implores Joe to do something. He should've said no, or said anything at all. This also looks at whether Taylor was faithful or not, because of the references to cheating, which are actually not a face-value portion, but instead reference High Infidelity.
Mary's Song (Oh My My My): now we introduce the THIRD Taylor. This one is from the future of an alternate timeline where she stays with Joe. She has transcended the mortal plane and taken the form of past Taylor's elderly neighbors, telling her love story with Joe adapted to fit the elderly neighbors. But "past" Taylor is actually present time traveler Taylor and future Taylor is trying to change the timeline (to no avail, the song is too much of a deep cut). Notice the references to marriage showing this is an alternate timeline because Taylor rejects marriage in Lavender Haze.
Our Song: this is a past Taylor song that doesn't fit the narrative. Unknown why present Taylor didn't delete the demo.
IOMWIWY: This is a love song to Matty, because she's "the happiest she's been." It was reworked by past Taylor out of confusion and amnesia. However, "just a small town BOY and girl" is an artifact of the original.
Invisible: this is a You're Losing Me parallel about how Joe was invisible and Taylor wanted more attention, and about how he didn't fight.
A Perfectly Good Heart: this is about the plastic surgery, where present Taylor underwent full heart reconstruction to disguise herself as past Taylor from future Taylor.
I hope this all makes sense!

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My father passed a few weeks back, on the deed it is written TOD as my brother and I beneficiaries. My fathers wife is still alive but in the nursing home with dementia. Just 12 days previous to the TOD deed my father had transferred the property to his wife. However, the new deed is just my brother and I as TOD beneficiaries. Does the new deed replace the old? Or does she still have interest in the deed?