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#but the bottom two are cited there because i have 2 quotes from separate friends that im going to include and like. ik that you always
asfdhgsdkjhgb · 2 years
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doing research for my final unit in english class and i have 3 sources cited already :D !
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#EXPLAINATION IN THE TAGS#LONG RAMBLE#i havent written my essay yet and my debate is tomorrow but i have been doing my notes and research today and the information#that i have on there so far is from these reliable sources#but the bottom two are cited there because i have 2 quotes from separate friends that im going to include and like. ik that you always#give the source of a quote in the actual writing BUT i figure since they arent just being quoted--the quotes are being used as a#reliable source of information--i ought to cite the quotes as informational sources as well! so onto the source doc they go#i have yet to put my mla sources in alphabetical order but i will do that once i have other (more legit) sources in here as well#(tbf polygon should count as a reliable source in this case bc theyre a well established source of video game journalism!)#the green one is a friend in class saying ''shadow the hedgehog listens to limp bizkit but in the trans way not in the incel way''#and the pink one is a friend messaging me ''shadow and sonic are also autism and adhd boyfriends'' in conversation#i did ask both of these people if i could quote them in my thing / cite them as a source and they both consented to it#there is an official MLA citation for messages sent digitally but the conversation one i just based off of how youre supposed to#format personal interviews bc like. close enough#yes i put genuine research into just being able to cite my friends as reliable sources of information for this class#i hate this class for various brain reasons and like i dont hate the teacher but im still very much making this final unit a sort of#''im not trapped in here with you. youre trapped in here with me'' situation because my whole thing is going to be so much bullshit#but like. bullshit that is genuinely well researched for the most part
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bartlettcald · 4 years
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A Guide To Commercial Real Estate Loans
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Isolated incidents should not affect your ability to get a loan. How Can You Repair Your Credit? In most cases, a simple letter or phone call to the credit card company or business that originally gave you the credit can put you on the right track to having that scar removed from your report. It may not even be necessary though, based upon your recent credit patterns! Sometimes theyll require you to pay-off the balance of your debt or send in a letter explaining why you were late with your payment. Dont pay any creditor off without talking to a qualified professional financial advisor or mortgage consultant first! However, if you have a history of recent late payments, youre probably going to have to let time take its course (although there might be trick or two here you can use). There are a million scenarios I could review, but I think its important you walk-away with two key thoughts from this: 1) Your credit can make or break your ability to acquire a loan; and 2) you must know what is on your credit report, your credit score, and begin to examine and, if necessary, repair any credit problems immediately. What Role Does Your Investment History Play? Your investment property loan history or track record will play an important role in whether or not a lender will want to finance your next property. Investment properties, and their respective loans, are often looked upon as a higher credit risk than if you were buying your own home. So, if you have a proven track record of successfully selling or managing investment properties loans, with no late payments, then you are more likely to get your loan approved. The bottom line is that credit or, more accurately, credit history is a major determinant in your ability to finance commercial real estate. Pay close attention to this area of your finances if you intend to be an active investor and manage your credit as you would one of your properties: Actively. If you want to sell your building, you want to be able time it correctly so that you have achieved a full occupancy and are able to sell it before the market cycle turns down. The ideal time to buy is when the market is transitioning from a bear to bull market. Sounds pretty logical, doesn't it? You may not be able to get your hands on a crystal ball, but I've stumbled upon the next best thing! Recently a good friend of mine, Christian, led me to a very useful online resource for commercial investors such as myself. This site is one of the best I've seen for pinpointing and understanding commercial real estate cycles. On the site the company assembles detailed reports on market trends for every major market in the U.S., as well as markets in different parts of the world. Among the offerings on the site: downloadable reports as well an annual market report called Viewpoints; comprehensive commercial valuation and appraisal services; real estate specialty experts in such fields as condominiums, mixed-use developments, malls and complex retails, and much more. I can't do the website justice listing its features here, though. Take a look for yourself. IRR (the company) has recently been cited in news stories by the Associated Press, USA Today, and the New York Times, among others, proof that major sources are definitely paying attention to what the company has to say. I hope you'll find the site every bit as useful as I do. Contact me through the link below and tell me what you think. There are other risks in commercial real estate that you can mitigate through third party insurance policies. The most common form is title insurance. Most real estate professionals recommend that buyers obtain title insurance on any property they purchase and if a loan is involved, the lender will make it a condition of obtaining the loan. The purpose of title insurance is to protect the buyer in the event that problems are found with the title after the close. Even though all sales of real estate include a title search, it is a good idea for the buyer to purchase separate title insurance as an extra measure of protection against mistakes in the search. This extra insurance will help protect the buyer in the event of any undiscovered liens, disputes over property lines, or other matters affecting title. Another common, but important form of insurance for investment property is liability insurance. This provides the investor protection from liability in the event an individual is injured while on the property. This ties in because financing is a big part of owning a self-storage facility. Many questions arise regarding how to get a commercial loan for this commercial real estate that has a rising market and demand. First off, to improve your odds of getting a loan, deal with any maintenance needed at the facility. Do this before you have your assets evaluated, as you may need to take pictures of the photography for the lenders. Also make it clear to lenders that you understand the market and management systems. Although, you do not need experience in owning commercial real estate to own self-storage, it is good to have managerial experience. Before you get a quote from the lender take pictures of the property and the things around it. Also provide all information about the facility that seems relevant, such as how much space is on the property, and what you plan on doing business and price-wise. Another type of commercial real estate funding may be an investment property loan. In this case the property itself will be used to make money, for example, a shopping strip leasing space to tenants or an apartment renting units. Again, if these businesses are start-ups then personal credit becomes extremely important for qualifying. The final type of loan is called a hard money loan that is used for commercial real estate development projects. Older buildings purchased for rehab, new construction, or conversion projects all may fit into this financial mold. Hard money loans are usually designed to avoid early payoff fees as well as other fees associated with early payoffs. Banks set these prepayment fees and enforce them so they do not lose out on making the interest money after spending their time and money toward due diligence for the commercial real estate project. As a businessman you should understand the basic concepts of a loan and the loan structure. Be prepared to show a good credit score or construct a joint venture with a strong borrower. Understanding the individual underwriting criteria for these loans will also help you negotiate terms. You may want to consider a financial consultant or business professional to help you make the best decision on your commercial real estate funding options. That is; they are no longer at the bottom. Moody's says the June reading is 4.2 percent above the recession low that occurred in October 2009. With values 41% lower than they were about 3 years ago while rents have not gone down, this makes now the time to invest in commercial income producing property. If buyers and sellers are in fact coming to terms on pricing, the commercial sector can expect transaction volumes to rise steadily and prices to stabilize in the months to come. Moody's latest report also includes quarter-to-quarter price comparisons for each of the four general property types. In the second quarter, prices for apartment and office properties (income producing properties) increased by 4 percent and 3.9 percent, respectively. Retail and industrial properties (non income producing), though, weren't as fortunate. Retail prices dropped 10.9 percent, while industrial prices declined 2.9 percent. More proof for the investor that this is the time to invest in commercial income producing properties. Distressed properties are lower in value with greater appreciation and and cash flow because the amount financed would be lower yet rents are not. The real key to purchasing distressed income producing commercial real estate is availability of financing. Even though the markets and underwriting is tighter, with many lenders leaving markets of even leaving the business completely, there is many sources available to finance income producing commercial r.e. Programs are even available for down payment assistance. But a buyer must secure financing and understand his financing options before they negotiate with the sellers. The financing options are the key to success of the deal and often can not be added to a previously negotiated deal. Talk to your lender first to understand how you can put the deal together, before you negotiate a deal that does not work with the financing.
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darkwinterchild · 7 years
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Arrow: how season 1 set up the world
Originally posted on Reddit
Warning: a lot of words, as usual.
Worldbuilding is an important part of storytelling, so I wanted to talk a little about one of the most important pieces of worldbuilding in Arrow: Starling City itself. Because I think it has been neglected after the first seasons. The city used to be so full of life back in the days. It felt whole, it felt real and it felt grounded, and there are two major ways the writers managed to accomplish that: first, they introduced characters from all walks of life, both mains and minors; second, they set up a social background, the issue of class, and used that background to frame, color, compare and contrast their characters from the get-go - give them more depth and complexity.
So first, let’s look at season 1’s array of characters
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The main character belonged to Starling City’s elite: that was our point of entry, our main point of view. On the one hand, we had Oliver, Thea, Thea’s friends, Tommy, Max Fuller and Carter Bowen to represent the privileged youths of the city. On the other, we had Walter, Moira, Malcolm, Frank Chen and the people on the List (Adam Hunt, Martin Somers, etc.) to introduce us to the older generation and their shenanigans.
Middle class? The Lance family used to be at the center: Laurel, Quentin, Dinah and Sara (dead but certainly not forgotten). From there, we had Laurel’s friends and colleagues at CNRI (Joanna in particular), and we had Quentin’s friends and colleagues at SCPD (Pike, Hilton, McKenna). We also had Diggle and Carly, poor Rob, and Felicity Smoak.
The people of the Glades were given a voice via Laurel’s storyline as a lawyer: Emily Nocenti, Peter Declan, and Eric and Nancy Moore with their son Taylor. Roy, our main boy, was introduced in episode 15. Raisa, the Queens’ Russian maid, left an impression in spite of only being featured in episode 1. Others were antagonists, but they were still given depth and motivations: the Restons and the Savior in particular.
Organized crime in Starling City used to operate at every level. At the very top, we had Malcolm Merlyn and his organisation. Then, among the lesser rich, we had the Bertinelli family (Frank and Helena). Ted Gaynor and his disgruntled veterans belonged more or less to the middle class. Finally, down at the bottom, we had the Triad, the Bratva, and Count Vertigo’s drug ring.
Throughout the first season, the main characters also mostly all had their own distinct narrative space. Just to cite some of the most important ones: Laurel shared separate storylines with Oliver, Lance and Tommy; Felicity shared separate storylines with Walter and Oliver; Tommy shared separate storylines with Laurel, Oliver and his father; Thea shared separate storylines with her mother, Oliver and Roy. There were so many different factions with different opinions and different agendas, doing completely different things - which made it all the more exciting whenever these storylines intersected (and they all came together in the big finale). This was a way to breath life into their world: Starling City used to be more than just a bunch of vigilante saving nameless faces. It used to be Laurel and the lawyers at CNRI fighting the city’s corrupt elite; it used to be Tommy trying to find his place; it used to be Quentin Lance and SCPD fighting crime and chasing after the Hood; it used to be Walter, a good man trying to solve a mystery; it used to be Moira, trying hard not to drown in her conspiracies; it used to be Roy and Thea figuring out who they wanted to be; etc.
So, this diversity of POV wasn’t a coincidence, but a consequence of the choice the writers made when they incorporated class as one of the thematic pillars of their show. Once they made that decision, it was obviously very important to have both main and minor characters at every social level through which we could explore life in the city. Note also the variety of professions/life styles within the same social class: in terms of worldbuilding, it is doubly important, because of course that leads to a variety of locations. The city didn’t just feel different in season 1 because of all the characters, it also looked different because of all the different sets associated with these characters.
How class was used to ground Starling City and bring it to life
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The class issue was an integral part of the story. For a show based on a liberal superhero (from what I’ve heard), it is the one social justice issue they chose to tackle (racism, homophobia, sexism, etc. basically weren’t addressed at all), and they obviously put some effort into it.
Most characters and relationships during the first season explored class dynamics to some extend. When you look at romance, for example, class was the most essential element of Thea/Roy, a core element of both Oliver/Laurel and Tommy/Laurel (Quentin resenting these rich bad boys for what Oliver did to his daughters, Moira telling Laurel that her son loved being at her place because he didn’t feel like Robert’s son there, just himself; Tommy being cut off being an important part of the development of his story with Laurel; etc.), and definitely colored the way Moira/Walter as a high-end couple was written. Concerning characters, the fact that they were billionaires was a defining characteristic of both the Queens and the Merlyns, just like the fact that he was poor was a defining characteristic of Roy. Actually, we can’t just talk about a defining characteristic: their social standing was basically one of the driving character traits in their storylines, for all these characters.
Class used to be at the very core of show. Oliver’s story started when he realized his family’s fortune was built upon the suffering of others - when his father shot himself in the head and left him with the mission of righting the wrongs he committed toward the lower class. On the outside, the Hood was designed to be a champion of the people, an avenger going after the corrupt elite: he was the monster they created, karma in a way, consequences for all those who thought they could abuse their power and get away with it just because they had money. On the inside, the Hood is a deeply personal story about redemption and legacy, it is about an ex- billionaire playboy making amends for not only his father’s cruelty and indifference, but also his own mistakes - the entitlement that made him hurt his girlfriend horribly and irreparably, and left her sister dead at sea.
The Hood going after the List grounded the show in so many ways. First, it made his story different than all the other superheroes out there. Second (and particularly relevant to this post), it allowed the writers to explore the city in so many different angles: these people were not only businessmen but also accountants, investors, financial advisors, etc. By telling us their stories, the writers were also telling us how the city worked in all its complexities, who were the many different players. It made it more whole. Third, it meant the Hood had a justification for being a vigilante: he wasn’t there to replace the police back then, he was there to do what they couldn’t because they weren’t allowed to. Go after the guilty that eluded the law, that fancied themselves above it. His targets and his M.O. meant Oliver couldn’t do what he wanted to do by legal means. Each operation was carefully planned in advance, complete with detective work. This added a layer of believability to his story and the world they lived in that completely fell off in latter seasons.
The class issue wasn’t used to ground just the hero’s story into something real: it’s the same deal for the big bad’s plot. Everything about the Undertaking is a commentary on class, from Malcolm’s motivation (the crime-infested Glades that killed his wife), its execution (using his power as the most successful businessman in Starling to persuade or bully the other powerful players into joining his cause, take control of the corrupt first class via blackmail, infiltrate the law-enforcement, etc.: all of that to have a hand of command over every important chess piece in the city), to his end-goal (the annihilation of the poorest part of town). Actually, I’ve always found the diversity of Malcolm’s main group, the team that orchestrated the Undertaking, striking: he was the only white man, the others were two women, an Asian man, and a black man (Robert was killed right after they switched objectives so I’m not counting him). The only thing they had in common was their social standing, so you feel like it was deliberately constructed not to be a gender or race issue, but specifically a class one.
Even if you exclude the hero and villain’s plots, most storylines during season 1 had a relation to class in one way or another. The Savior? Fed up with the gangbangers in the Glades and the executives who let them run around free. The Huntress? Couldn’t stand her father oppressing the poor anymore. Ted Gaynor? Resentful over having to babysit rich kids. Firefly? He was created during the Nodell Tower fire, a tragedy that only occurred because the construction company that built it used substandard material to save a few bucks. Etc. Every single one of these storylines served to flesh out Starling City and its citizens a bit more.
Season 1’s most iconic quote is probably “You have failed this city” - the vigilante’s tagline. These words are directly related to the class issue, and what made them powerful was how thoroughly the writers set up the city’s social background, how full of life they made Starling feel.
The current situation
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Since season 1 was, well, the first season, it was its responsibility to set up solid foundations for the show, notably a believable world. A city in which the show could grow into something more. I think it did a good job, but the seasons that followed didn’t really respect that work with the exception of season 2.
The class issue was dropped somewhere after the first third of season 2, which was busy trying to introduce more comic-booky elements. Season 3 and on didn’t pick it up again. I feel like season 3 was trying to do something worldbuilding-wise w/ the League of Assassins, but failed miserably (they succeeded in destroying one of DC’s most legendary mythos that’s all, and I’m very bitter about it).
So what does Star City look like today? IMHO: boring. You’d think Oliver being Mayor would mean it gets more development, but it’s more bland and empty and dead than ever.
In terms of point of views in season 5 and 6, mostly all we get is Team Arrow in the Arrow Cave and Team Arrow in the Mayor’s Office. They killed, wrote off the show, or forgot about most of the characters that added layers and diversity to the city. Apart from the masks and their allies, mostly all we have now are some villainous POV here and there, most of them not even originally from the city but just coming around to cause mayhem for some reason (I do think the character of Susan Williams was a welcome break for that reason, but she wasn’t particularly well-received). I don’t even know how the city looks like anymore, empty warehouses is all I can see in my head.
It’s actually a joke how the background of the characters, wrt the totally dropped class issue, simply doesn’t matter now. We were left wondering where Oliver, the main character, lived for an entire season. Most of Team Arrow doesn’t have a job, and it’s only recently been addressed. Curtis, well-off genius who used to hold a good job in a giant tech company, can say stuff like “as a black man I’m 80% more likely to get shot than you” (/paraphrased) to Rene, poor latino guy from the Glades who has actually been a victim of random gun violence and used to be a marine - because the history of these characters barely matters anymore, it’s just superficial.
In terms of believability, all the work season 1 put into making it all seem grounded has been thrown out the window. Revolutionary tech is invented on the fly in a matter of minutes. Felicity can hack into anything in a matter of seconds - her and Curtis basically have God-like powers, I swear. I still don’t understand how Oliver manages to be the Mayor and also moonlight as the Green Arrow. Also he’s good at being the Mayor and Thea was an awesome Chief of Staff despite them having zero credentials in politics because our heroes can now be absolutely anything they want if the plot demands it (or just if it pleases the writers). He can pass magical bills on controversial issues that everyone is happy with because Star City is now just a bland simple-minded mass. The Arrow cave is more technology advanced than the NASA and honestly, since they don’t kill and only go after common criminals, I don’t even know why they haven’t simply joined the law enforcement - as a special unit or something, Marvel style. The whole vigilante thing seem pointless at this point, just another hurdle.
(I mean, for real, last episode, Dinah, instead of confronting Vigilante in her capacity as a cop, had to go put on her costume first - that I have no idea where she hid since FBI lady was snooping around. Seems inconvenient and a giant loss of time when people’s lives are at stakes, yk?)
Tobias Church can just show up and take control of Star City’s organized crime (which, btw, I’m surprised to see is even still around) in a matter of… what was it? Two weeks? Which completely undermines these guys, in addition to being unrealistic. It’s another thing that makes the citizens of Star City look stupid or useless, just like the fact people haven’t figured out Oliver and his little gang are the vigilantes makes them look stupid. The writers destroyed any credibility the city had as a whole.
So, yeah, the world of Arrow’s latter seasons is a senseless one, and Star City feels like it has lost its soul.
This is all my humble opinion. Thoughts?
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oajpw5f3-blog · 5 years
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