https://www.schroederandcorealestate.com/blog daily 0.75 2026-01-15 https://www.schroederandcorealestate.com/blog/8-best-date-night-spots-in-austin monthly 0.5 2026-01-15 https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/d1731a18-deca-4170-ac76-837b49bea607/boat.jpg BLOG - The 8 Best Date Night Spots in Austin - Make it stand out Photographer: Riley Glenn https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/a1505714-938e-4805-b7cc-e3fe7e6d917d/date+night+austin BLOG - The 8 Best Date Night Spots in Austin - First up, let me introduce you to Lazarus Brewing Co. in East Austin. Lazarus Brewing is owned by a former pastor turned brewmaster and naturally, he gives you some subtle Bible references throughout the menu and space. With beer names like “Walks on Water” and “40 Days and 40 Nights,” it’s a fun, tongue in cheek nod to the owner’s roots while remaining completely accepting and inclusive of all. The beers brewed here are exceptional, the tacos are incredible, the indoor/outdoor seating is spacious and most weekends they have live music in the evenings! Next up on my low-key date night list is Hold Out Brewing Co. on the West end of downtown Austin. Hold Out is high up on my list not only because they have an expansive beer list and arguably the best chicken sandwich in the city, but also because they have a huge lot behind the building that offers guests free parking. If you live or have been downtown, you know what a big deal it is to have free parking space! And for the finale on my day drinking, beer loving date spot suggestions list is going to be Meanwhile Brewing in South Austin. When I tell you this place is massive, that doesn’t even do it justice. Meanwhile is almost an amusement park, no joke. Offering guests ample outdoor seating, playgrounds and a soccer field for any kiddos who may be accompanying you on your date, a food truck park that are all so tasty, TV’s to watch sports games, a stage for live music events AND plenty of indoor seating for the days you don’t feel like sitting outside. The menu here is expansive and offers both brews and liquor for the non beer drinkers. I’m telling you, this spot is a must visit. https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/30d6519b-007c-4a5d-b662-16f1c996ed21/Screenshot+2026-01-15+at+11.05.09%E2%80%AFAM.png BLOG - The 8 Best Date Night Spots in Austin - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/d1731a18-deca-4170-ac76-837b49bea607/date+night+austin BLOG - The 8 Best Date Night Spots in Austin - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.schroederandcorealestate.com/blog/10-things-to-know-before-moving-to-austin monthly 0.5 2026-01-15 https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/133eaba6-1ea9-4c5c-afc0-09a52c46b113/ausitn+tx BLOG - 10 Things to Know Before Moving to Austin, Texas - Make it stand out Photo by Mitchell Kmetz // Unsplash https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/214e468f-62fc-4c1e-816d-944fe217d751/360+bridge BLOG - 10 Things to Know Before Moving to Austin, Texas - 2. On that note, you should be aware of what we call the main roads and highways so you can get around easier. Loop 1 - “Mopac” 2244 - “ Bee Cave” I - 35 - “35” 6th Street - “West 6th” and “East 6th” (very different sections, and don’t get me started on “dirty 6th”) Martin Luther King Jr Blvd - “MLK” N Capital of Texas HWY - “360” (three sixty) 3238 - “Hamilton Pool Rd” San Jacinto - “San Jack” https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/e581b819-c34c-4fba-8f56-54e68d2ab053/lady+bird+lake BLOG - 10 Things to Know Before Moving to Austin, Texas - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/d4246002-12e6-473f-8c9e-c791f32353b1/muny.jpg BLOG - 10 Things to Know Before Moving to Austin, Texas - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.schroederandcorealestate.com/blog/how-to-win-a-multiple-offer-situation monthly 0.5 2026-01-15 https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/f6484350-8f30-431c-a156-cabfeed3d757/multiple+offer+situation BLOG - How to Win a Multiple Offer Situation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/17039318-d783-4678-8bd0-545864d4a965/g.jpg BLOG - How to Win a Multiple Offer Situation - After wrapping up our showings, and only a few minutes of deliberation, they decided they wanted to submit an offer on the third home we saw, just as anticipated! Since I had already done my research beforehand, I knew that this home was fresh on the market with multiple offers already, which meant we needed to be competitive. I also knew that this home was priced appropriately and that we had room to offer over asking price by doing a CMA. FYI - A CMA or comparative market analysis is a report that uses similar properties in size and proximity to asses the market value of a subject property. In multiple o ffer situations, offering over the seller's list price isn't the only thing you can (and should) do to create a winning offer. There are a number of terms in a contract that can create a competitive offer, which we will define in this situation as an offer most appealing to the seller, who has multiple to choose from. As someone who has never lost a multiple offer situation, I'm going to share some of them with you right here, right now. Price - But this is the obvious one, right? You’ll want your agent to run comps (that CMA report we talked about earlier) to determine how much above list price (if any) you should offer and still ensure the home will appraise. Earnest money amount - Earnest money is considered a sort of “good faith deposit” that is usually 1% of the purchase price. You deposit this with the title company and it is protected by your option period which will we talk about soon. You can increase this amount to 2 or 3% to show the seller you are a strong and serious buyer. Option period length and fee - In Texas, an option period is the first couple of days in the contract where you, as the buyer, can back out for any reason. It’s unrestricted. You can do an inspection and decide you are no longer comfortable purchasing that home, you can find a different home you like more, you can even just change your mind and decide not to buy a home at all. The only penalty is losing your option fee as it goes to the seller for taking their home off the market for you. Here in Houston, standard option period for the average priced home is 10 days for an option fee of $150 or so. In a multiple offer situation, shortening your unrestricted right to terminate, lets say from 10 days to 7 or even 5, shortens the time you can back out for any reason making the deal more appealing to the seller. Increasing your option fee is obviously more beneficial to the seller as it’s the money they get to keep if you do back out. So you can make a big impact by changing your option period length and fee. Home warranty amount - It’s common to write a Home Warranty into the contract that requests the seller to pay for your first year of this policy. These policies range from $300-750 or so. This option makes a smaller impact on the sellers net, but an impact nonetheless. Type of financing - Cash is usually king, of course, because it doesn’t require the risk of an appraisal or come with the possibility that the lender can’t fully qualify the buyer and make it to the closing table. If you are financing, a conventional loan is seen by most agents as the “strongest” form of financing as you can put over 20% down. When you put 20% or more down on a home, you can usually ask for the lender to waive the appraisal and compete with cash offers from that perspective. While FHA and VA loans are great products, sometimes they get a bad rep. This is important to know because if the seller’s agent isn’t educating their clients on the differences, they can lead their sellers to believe your offer isn’t as strong as a conventional offer. FHA loans often come with lower interest rates for a lot of buyers and a VA loan has one of the highest closing rates, often meeting or EXCEEDING those of conventional loans (making it less likely for the deal to fall through). The more you know! Leaseback - Depending on the seller’s situation, if they still need to secure their next home, offering them a leaseback, where they lease the home back from you after closing, at little to no cost to them is a terrific way to stand out against the competition. Appraisal contingencies - I’ve said the word appraisal a handful of times above, so let’s talk about it. An appraisal is done but an unbiased third party to determine the market value of the home matches the contract price. If, for any reason, the appraiser determines the home does not meet the value, you as the buyer can usually back out of the contract and get your earnest money back (just not the option fee). This is obviously a huge risk for the seller as the appraisal only comes back a week or two before closing and can mean they are taking their home back on the market and starting over. If you are able to make up a portion of the difference in the case of a low appraisal, there is a way to write that into the contract and strengthen your offer tenfold. Close date - This one also depends on the sellers situation, but if they are already moved out it’s likely that a quicker close date is better than the traditional 30-45 day timeframe. Ask your lender the quickest they can close your loan and often they can get that down to 21 or even 14 days. Your agent having the ability to gain intel on a seller's situation and using that to help guide you on structuring the best deal possible for both parties is the absolute most important piece. And guess what... My winning streak remains! We won! What a great way to end to a busy weekend, right? https://www.schroederandcorealestate.com/blog/how-to-get-your-real-estate-license-in-texas monthly 0.5 2026-01-15 https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/cf41028e-f606-4108-b3d2-06624a8ccc50/IMG_8900.png BLOG - How to Get Your Real Estate License in Texas - A Step by Step Guide - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/d2e2aca0-1c49-4e90-9a5a-fece5ccd696f/IMG_8897.png BLOG - How to Get Your Real Estate License in Texas - A Step by Step Guide - First, I confirmed I met the three qualifications to become a licensed real estate agent in the state of Texas: You must be a citizen of the United States or a lawfully admitted alien You must be 18 years or older Meet TREC’s qualifications for trustworthy, honesty, and integrity Next, I had to complete TREC's requirements. First was 180 hours of the required qualifying education. There are lots of different real estate schools to choose from! Since I had already found a team to sponsor me, my team lead suggested I go with Aceable Agent, which thankfully was the more affordable and flexible option. It was self-paced and allowed me to finish the classes and take the tests on my own schedule. Note: the exams are proctored so you do have to actually study! If you're not a self-learner and prefer a classroom environment, our team recommends Champions School of Real Estate (who also has online and self-paced options, just more expensive). Keep in mind the courses are tedious, but don’t let that stop you from being motivated to finish as soon as possible. Either before, during, or after taking classes be on the lookout of any teams you’d like to sponsor you. This is crucial to your future business and success. I was very fortunate to come across such an incredible and supportive team that took me under their wings right as I started my classes. Because of their encouragement and accountability, I was able to complete my courses in 5 months. That said, I know many agents on our team who finished in just one month! It's totally dependent on your schedule and which class route you decide to pursue. The required courses to get your real estate license in Texas (as of this blog post) are: Principles of Real Estate I (30 classroom hours) Principles of Real Estate II (30 classroom hours) Law of Agency (30 classroom hours) Law of Contracts (30 classroom hours) Promulgated Contract Forms (30 classroom hours) Real Estate Finance (30 classroom hours) https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/f6484350-8f30-431c-a156-cabfeed3d757/IMG_8899.png BLOG - How to Get Your Real Estate License in Texas - A Step by Step Guide - Here's how the different real estate schools compare in pricing: Aceable Agent: $449 - 593 Champions School of Real Estate: $980 - 1134 360 Training: $356 - 396 Kaplan: $499 - 899 Realtor Academy: $899 - 989 The CE Shop: $360 - 710 RealEstateU: $249 - 377 After completing the courses, I applied for a license through the Texas Real Estate Commission (TREC). The application process consisted of submitting proof of completion of my classes, fingerprints, and a background check. The application itself was $185 and the fingerprinting and background check were around $40. Once everything was received and approved, I was able to take the state and federal Real Estate Exams. That's right, it consists of two parts. You are required to pass both the state portion (40 questions in Texas) and national portion (85 questions). To pass the state portion you’ll need to answer at least 21 questions correctly and for the national portion you’ll need to answer at least 56 questions correctly. The first time I took the test I passed the state, but failed the national. Thankfully, I was able to try again 2 days later and only had to retake the one I failed, to which I so happily passed! If you talk to ANY tenured real estate agent they will tell you this: It's okay to fail. A lot of them actually did their first time around. You get THREE tries! If you fail three times, you have to take additional education before retrying the exam. The real estate exam costs $43 per attempt. https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/a75f8514-ee01-47e9-a2c3-330670765481/PIC_1310.jpg BLOG - How to Get Your Real Estate License in Texas - A Step by Step Guide - Here are a couple of tips that helped me study and pass the exams quickly: If you’re not taking your courses through Champions School of Real Estate, I highly recommend purchasing their Exam Prep study tools. Both the exam prep booklet and online practice exams were KEY to me passing the actual exams because the questions were worded so similarly. It's $120 and worth every penny. PREP AGENT! Prep Agent on YouTube was a GAME CHANGER for me. Whether you’re at home at your desk with your pen and paper taking notes, or driving to the grocery store, listening to his exam question seminars were what kept the information fresh in my mind. Be committed to dedicate the time for studying! After passing, I waited a couple of days (standard is 5-10 business days) for the official email with my TREC License number! This comes with another fee of $205. Now, if you haven't already, it's time to find a team or brokerages to sponsor you. Once you’ve connected to a team and/or been accepted by a brokerage, you can start signing up for all necessary accounts needed to run your business like the local MLS, Supra Key and NAR dues. Keep in mind, these are only the expenses to get licensed. You are then responsible for your MLS dues (our are quarterly and annually), Supra Key fees and brokerage fees - different brokerages have different fees and splits! Not to mention the cost of other things like lockboxes, marketing, ads, headshot photography, signs, e-signing platforms, CRM systems, listing photography, leads, etc. And there you have it. That's how YOU can get your Real Estate License in Texas. Good Luck! And let me know if you’re looking for a stellar team to support your journey… I know one ;) https://www.schroederandcorealestate.com/blog/which-houston-airport-is-better monthly 0.5 2026-01-12 https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/dfb149ed-43ea-47f1-8115-ab61dcf4ea50/airport BLOG - Which Houston Airport is Better? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/311943a8-dfc3-4d1a-8aca-664cd4afa08a/hobby BLOG - Which Houston Airport is Better? - Hobby Airport: HOU is situated just 7 miles south of downtown Houston, making it much closer to the city center compared to George Bush Intercontinental Airport (IAH). This close proximity results in shorter travel times and lower transportation costs for passengers traveling to and from downtown Houston. Pros: Convenience for domestic travel: HOU primarily serves domestic destinations within the United States, offering a wide range of flights to popular domestic destinations. Low cost carriers: HOU is a hub for several low-cost carriers, including Southwest Airlines, which offers competitive fares and a vast network of domestic routes. Terminal accessibility: HOU features a single terminal layout, which simplifies navigation for passengers and reduces the likelihood of confusion or delays associated with transferring between terminals. Parking options and affordability: HOU offers a variety of parking options, including both on-site and off-site parking facilities, with competitive pricing and affordable rates compared to other airports. Cons: Limited terminal amenities: While HOU offers a variety of amenities and services for travelers, including dining options, shopping outlets, and lounges, the overall selection and quality of amenities may be more limited compared to larger airports like IAH. Limited public transportation options: While HOU is accessible by METRO bus routes, public transportation options to and from the airport may be more limited compared to other airports in larger metropolitan areas. Restricted airline options: While HOU is a hub for low-cost carriers like Southwest Airlines, passengers may have fewer airline options compared to IAH, which serves as a hub for multiple major airlines and offers a broader range of carriers and alliances. https://www.schroederandcorealestate.com/blog/san-antonio-airbnb monthly 0.5 2026-01-15 https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/bade4a10-ace8-4446-9a2f-ad3199763356/best+airbnb+in+san+antonio BLOG - Best Airbnb’s in San Antonio - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/bade4a10-ace8-4446-9a2f-ad3199763356/san+antonio+airbnb BLOG - Best Airbnb’s in San Antonio - The Loft – Monte Vista Nestled in the heart of the Monta Vista District, this charming Airbnb offers a unique stay in a beautifully renovated 1900’s residence. Recently transformed, the loft garage now serves as a cozy and inviting space, perfect for relaxation. The loft features one bedroom, comfortably accommodating up to two guests. You’ll find the space both serene and stylish, with thoughtful touches throughout. The highlight of this property is its stunning backyard, complete with a dreamy pool, making it an ideal spot for unwinding after a day of exploring the city. Located in a walkable neighborhood, the residence is just three miles north of downtown, providing easy access to the city’s attractions while maintaining a peaceful atmosphere. Surprisingly affordable, this gem offers both comfort and convenience for your stay. Book The Loft - Monte Vista Here https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/2c42f134-7cf3-4a53-a750-c655ca7256ae/alpaca+airbnb BLOG - Best Airbnb’s in San Antonio - Casa Alpaca - Cibolo Welcome to Casa Alpaca, the ideal retreat for anyone looking to escape the daily grind of city life. Nestled on a beautiful property backing up to Cibolo Creek, this charming guest house offers a peaceful and adventurous getaway. This home features 2 bedrooms, 4 beds, and 1.5 baths, comfortably accommodating up to 5 guests. You’ll have the pleasure of meeting your favorite neighbors—alpacas! If you’d like to feed or interact with them, let the host know, and they’ll arrange a time for you. Located on a fenced, 4-acre private property, the 1,400 square foot guest house is perfect for unwinding and reconnecting with nature. Inside, you’ll find a dedicated workspace, a game area with a foosball table, high-speed internet, TVs, Netflix, and all the must-haves for a comfortable stay. The outdoor amenities include a grilling area, a space for playing horseshoe, and a picturesque grapevine patio, perfect for a romantic dinner. With direct access to Cibolo Creek, you can bring tubes, a canoe, fishing rods, and bathing suits for some outdoor fun. Casa Alpaca offers the perfect blend of relaxation and adventure, making it an unforgettable getaway. Book Casa Alpaca Here https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/be75b128-4df7-4956-8b39-d6a1968b1c87/san+antonio+airbnb BLOG - Best Airbnb’s in San Antonio - Rustic Home – JW Marriott Welcome to your perfect family getaway! This rustic-styled home offers a comfortable and peaceful retreat, ideal for relaxation and quality time with loved ones. Located near the JW Marriott on the TPC golf course, this home is perfectly situated for those looking to enjoy the area’s premier attractions. The house accommodates up to eight guests with three bedrooms, five beds, and two baths. The beautiful backyard is perfect for entertaining, providing a serene setting for family gatherings. The fully equipped kitchen is designed for cooking delicious meals, ensuring you have everything you need for a comfortable stay. Centralized in San Antonio with easy access to highways, this home offers convenient travel to all the city’s top destinations. Whether you’re here for a golf getaway, a family vacation, or simply to relax, this rustic retreat provides the perfect setting for your stay. Book Rustic Home Here https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/adde0e7e-1134-4f5d-ab20-915dd6c27ea0/san+antonio+airbnb BLOG - Best Airbnb’s in San Antonio - Luxury Bungalow – The Pearl Experience the perfect blend of history and modern luxury in this fully renovated 1950s bungalow, located just a few blocks from the Pearl, downtown San Antonio, and the historic Government Hill. Created and designed with pure heart and soul during its restoration, this inviting space offers a fresh, modern aesthetic while preserving its historic charm. This luxurious bungalow comfortably fits five guests with two bedrooms and two full baths. The fully renovated kitchen features marble accents and complete stainless steel appliances, perfect for any cooking enthusiast. Smart TVs and all essential amenities are provided, ensuring a comfortable stay. With three parking spaces available, convenience is key. Enjoy the spacious, modern interior design, ideal for a weekend getaway or a longer stay. Minutes from top attractions, this bungalow is a true gem in the heart of San Antonio. Book Luxury Bungalow Here https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/909c058a-e5f9-434c-9251-6895e937d04d/san+antonio+airbnb BLOG - Best Airbnb’s in San Antonio - Historic King William Home Welcome to this stunning architect renovated home located in the heart of the historic King William District. Built in 1907, this beautifully designed space blends historic charm with modern comforts, making it perfect for families or groups of friends. The home offers three bedrooms, four beds, and 2.5 baths, comfortably accommodating up to ten guests. The property is surrounded by majestic oak trees and boasts intricate architectural details throughout. The original hardwood floors and three exposed brick chimneys preserve the home’s historic character, while 100-year-old longleaf pine adorns many of the walls, adding a rustic touch. With three living areas, a great room featuring an open kitchen, and a dining area overlooking the outdoor patio, there is plenty of space to relax and entertain. The front porch is perfect for enjoying a warm cup of coffee, people-watching, and soaking in the neighborhood’s ambiance. Centrally located, this home offers easy access to the Riverwalk, local restaurants, unique shops, museums, and galleries. Whether you’re here for a weekend getaway or an extended stay, this King William District home provides a comfortable and intimate retreat in a beautifully designed setting. Book Historic King William Home Here https://www.schroederandcorealestate.com/blog/valentines-gifts monthly 0.5 2026-01-09 https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/8d1b896a-703f-4175-a16f-de567314419f/valentines+gifts BLOG - Valentines Gifts They’ll Love — thank us later - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/095fef67-9bb7-4473-9fa6-a292e5242764/oak+and+luna+necklace BLOG - Valentines Gifts They’ll Love — thank us later - Personalized necklace from Oak and Luna! Engrave it with your anniversary date, wedding location coordinates, or simply your names paired with a heart! Use code PHW for 20% off! https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/fde56151-f6b1-4b89-9a98-c6da394a0ad5/oak+and+luna+mens+bracelet BLOG - Valentines Gifts They’ll Love — thank us later - Personalized bracelet from Oak and Luna - keep it simple with your names (or even the kids // grandkids names), or engrave your anniversary date! Use code PHW for 20% off! https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/e487c3e4-5f22-4681-a978-b7bc22270a57/gifts+for+valentines+day BLOG - Valentines Gifts They’ll Love — thank us later - Eternity flowers from Venus et Fleur — for those of you who haven’t come across these before, these are REAL floral arrangements that last over a year. I personally have an arrangement that’s going on it’s 6th year (and still smells just as amazing). https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/d299493f-5a14-4917-bb77-e10c0a0607c4/valentines+gifts+for+her BLOG - Valentines Gifts They’ll Love — thank us later - Baccarat Rouge 540 is THE gift for her is she is into perfume. The scent is luxurious, amber-y, and lasts all day! https://images.squarespace-cdn.com/content/v1/66bd1ce988541d279e079e55/e6621353-7e6a-47b8-a482-d11e89072aff/valentines+gifts+for+him BLOG - Valentines Gifts They’ll Love — thank us later - The ridge wallet comes in multiple different colors and designs and comes with a lifetime warranty! https://www.schroederandcorealestate.com/blog/tag/getting+licensed monthly 0.5 https://www.schroederandcorealestate.com/blog/tag/buyers monthly 0.5 https://www.schroederandcorealestate.com/blog/tag/san+antonio monthly 0.5 https://www.schroederandcorealestate.com/blog/tag/texas monthly 0.5 https://www.schroederandcorealestate.com/blog/tag/real+estate+license monthly 0.5 https://www.schroederandcorealestate.com/blog/tag/airbnb monthly 0.5 https://www.schroederandcorealestate.com/blog/tag/airports monthly 0.5 https://www.schroederandcorealestate.com/blog/tag/date+night monthly 0.5 https://www.schroederandcorealestate.com/blog/tag/multiple+offers monthly 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