#he invests all of her earnings and makes sure no money she makes stays liquid at least not enough to allow her security of living by hersel | Explore Tumblr Posts and Blogs

401kgoldira · 3 years

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Best Place To Get An IRA

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State-run Chinese companies have actually also obtained risks in mines in Peru and Ecuador to support supply. Zijin's production losses in Buritica might moisten market interest for Colombia, as it looks for financial investment in untapped down payments of gold, copper and various other minerals. Gold IRA Custodians

#gold

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xmxisxforxmaybe · 4 years

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ok! so i was listening to does your mother know that your out, right? and at the same tine a video of angelina jolie came into my feed, you know her being iconic. and so i started thinking 👀 a smut where like a 22 year old rami is like being cheeky and flirty with a woman older than him, she at first is indifferent to him, which gets him super nervous. so now she started to take an interest in him, which gets him even more nervous and her more confident. and she has super bde and don vibes

I was in the middle of a Papi/Dega request when this came into my inbox and captured my muse ... and I mean threw a pillowcase over its head and threw it in the back of a van and MADE me write this. Thank you, Anon, for this brilliant request.

* * * * *

Rami was captivated by her, and so were most of the men, and a few women, at the afterparty. Granted, he was new to this side of the acting scene having just finished a minor role in a fairly big stage production in New York City, so instead of walking up to the woman and jostling for a place in her queue, he stayed back and watched.

He felt out-of-place, not at all filled with the confidence he had in LA. Yeah, LA was LA, after all, but he knew people there, and he knew enough about how Hollywood worked to fit in.

Here . . . for maybe the first time in his life, he was the odd man out.

As Rami turned away from the beautiful woman and shuffled over to the bar, a flash of a scene from his and Sami’s favorite novel, The Great Gatsby, popped to the forefront of his thoughts.

When Nick felt out of place, he got roaring drunk. Sounds like a plan to me, Rami thought, his 22-year-old self feeling more at ease knowing he was about to rely on good, old-fashioned liquid courage.

Rami ordered a beer and a double shot of tequila.

One tequila, two tequila, floooor, his mind sang to himself as he ordered another round of each, his initial wave of discomfort beginning to wane.

By the time he finished round three, he knew he had to talk to the beautiful stranger. Clearly, she was someone of importance, maybe even someone famous.

Rami stood up from his barstool, and wobbled, which wasn’t unusual. There was rarely a time in his life when he didn’t have a bruise or a cut from falling down or running into something. Sami had clearly gotten the balance gene.

Rami missed his brother terribly, never imagining they would be living in different cities. He looked to his left and sighed, wondering what Sami would say if he saw his twin, Rami Malek, high school flirt, afraid to talk to a woman.

Shoot your fucking shot, Ram. Why wouldn’t she want to get to know you? his brother’s logical voice sounded in his mind.

“Shoot my shot,” he said under his breath as he made his way to the more crowded part of the room and began looking for the woman.

He didn’t have to look long, and he also couldn’t believe his luck: there she was, standing alone and looking at a large fishtank that was in a darkened corner of the room, the only real light coming from the tank itself.

His balls in his throat, he walked quickly to where she was standing, reminding himself to put one foot in front of the other, lest he fall flat on his face.

His brother would be in stitches if that happened, and the entire family would know within the hour.

But Rami made it, right-side-up, and before he could lose all his nerve, he blurted out, “Nice fish, huh?”

The woman glanced over at him, a bit startled.

“Oh, yes. They are. I always lose myself in my thoughts when I watch them swim. I don’t know exactly why I find it so soothing.”

Rami just stared at her as she spoke, completely smitten. Her speech was so articulate, definitely that of a fine stage actress.

Or someone very, very wealthy, Rami thought, once again thinking back to his favorite novel.

The woman looked at him, clearly expecting him to reply, but he couldn’t find the words.

“Uh . . . huh,” he managed, still studying her face.

She was older than him, but by how much he wasn’t sure—at least a decade. Her face held a sort of vitality that was hypnotic. This was a woman who lived her life by her own accord, a woman who knew things, a woman who held the promise of things that were just . . . good.

“I do apologize, but have we met?” she asked, bringing Rami out of his stupor.

“Uh . . . uh, no. I don’t think we have. I’m an actor. I was in the production,” he finished lamely.

She looked at him thoughtfully for a moment, then said, “Johnny. You were Johnny.”

Rami looked at her, taken aback that she made the connection.

“Yeah. Yeah, I was. I’m—” he faltered.

She raised her brow, encouraging him to continue.

“I’m surprised you knew that.”

“It’s my business to know, Mr. . . . Malek, I believe.”

Rami gave her the same quizzical look, and this time she laughed. In that moment, he thought that if he could only listen to one more sound for the rest of his life, it would be her laugh.

“Rami. My name’s Rami,” he said sticking out his hand.

She slid hers gracefully into his, but her grip was strong, professional.

“I’m Y/N Y/L/N, and I’m pleased to officially meet you, Rami Malek.”

No, no. If I could only listen to one more sound for the rest of my life, it would be her saying my name, he thought.

“Do you mind if I ask . . . what it is you do?”

“I do many things, Rami, but my connection to this particular evening is a financial one.”

“An investor,” he stated, nodding his head to indicate he was impressed.

“The investor,” she replied. “If I’m going to do something, I do it. When it comes to the theater, if I’m going to invest, I’m going to be the sole investor. That way, a production feels more like it’s . . . mine. I hope that doesn’t sound arrogant. I’m not an actor, but I love the process. This is as close as I can get to the stage without making a Bottom out of myself,” she said with a smirk as she referenced A Midsummer Night’s Dream.

Rami chuckled, and teased, “With jokes like that, I can see why you stay out of the spotlight.”

She laughed, and it was clear she was surprised she laughed so freely with this very young, very handsome stranger.

“Y/N!” called the producer of the play. “I’ve got someone I’m dying for you to meet.”

Before the producer could whisk her away, she leaned into Rami and said, “I don’t normally do this, but I’d like to talk to you again. Here’s my card,” she said as she reached into her clutch.

“Call me. And maybe next time you won’t need six tequila shots before you pluck up the courage to talk to me,” with a wink and a ghost of a touch along his jaw, she was gone, swallowed again by people who just wanted the privilege of being near her.

Rami looked into the crowd, gobsmacked that she had been watching him, too.

* * * * *

With a throaty laugh, she kicked off her heels as Rami backed her into the wall as soon as they were secured in her large apartment. Rami had never been in a place so luxurious, and normally he would have liked to have a look around, but the feeling of this woman’s body under his hands damn near made his brain short-circuit.

Over the past few days, he had learned that she was not just a decade older than him, but two and a few odd years. He had also learned that she was intelligent, passionate, sophisticated, and could make him harder than he had ever been in his entire life with no more than a casual glance. His near-constant erections were proving to be a very difficult barrier to overcome, considering the amount of time they had been spending taking in shows, dining out, and going to a myriad of high-society events.

When she asked him to come up for a nightcap, he had to discreetly adjust himself as he followed her into the elevator. And as soon as the doors closed, she grabbed his lapels, pulled him to her, and kissed him, a soft, sweet kiss that somehow still made his toes curl.

“Do you want that nightcap?” she breathed against his lips, ever the proper hostess.

“No, thank you,” Rami murmured as he moved her hair to the side and attached his lips to her neck.

She laughed, that sweet, soft laugh that made him think of a gentle rain falling in the morning.

“Then perhaps we should take this to the bedroom,” she said, pulling away and taking his hand to lead him down a long hallway and up a set of stairs.

His trousers were uncomfortably tight as he watched the way her ass moved in her pretty dress as she climbed the spiral staircase, quickly and eloquently since she had left her shoes by the door.

Rami glanced around the room and once again couldn’t believe that his life was currently real, that this was happening, that he was about to have sex with the most beautifully intriguing woman he had ever met.

They made quick work of each other’s clothes and she hummed with appreciation at his body. He was lean, but not from effort. Life in the city that never sleeps was difficult, and between looking for roles, rehearsing for the ones he did manage to get, and working odd jobs to earn enough money to keep under a roof, eating wasn’t much of a priority.

She, on the other hand, was fit, classically attractive if you will, but not in an overdone way. She did look closer to her age than to Rami’s, except for her confidence and her passion. She knew who she was, loved herself, and because of that, her confidence and passion shone, and quite literally, made her beautiful.

She turned down the bed in a rush, sliding into the middle of her cloud-soft sheets. Rami settled between her legs and kissed her with all the passion he felt, which was so much that it left her breathless.

“Drawer,” she husked out, waving in the direction of the nightstand.

Rami reached over and pulled out the box of condoms, quickly rolling one on.

She took advantage of his lack of balance and rolled him onto his back, grinning down at him as she lowered herself onto his covered cock.

Rami groaned, a deep rumble that reverberated through his chest. He wanted to watch her, but his eyes rolled back at the incredible sensation of being inside of her for the first time. He wanted to savor it, but she began to move, rocking her hips and pulling his hands from her thighs to her breasts.

Rami opened his eyes and watched as she squeezed his hands around her breasts and when he looked up at the way her head was tossed back in bliss and the way her bottom lip was caught between her teeth, all because she was mounted on his cock, he lost control.

And in an embarrassingly quick culmination of passion, Rami came inside the condom with a whimper.

Immediately, his hands covered his face as he groaned, praying to GOD that the bed would swallow him whole.

“I am so sorry,” he mumbled from underneath his palms.

“Sorry for what?” she said with a laugh. “For finding me so attractive that you stayed in the moment and gave yourself over to passion instead of disconnecting by reciting . . . what do actors recite? Lines from a monologue? I’m guessing it’s not the usual sports statistics?”

Rami lifted his hands from his face and looked up at her; his cheeks were red, either from his intense orgasm or from his intense mortification.

Before he could apologize again, she put her finger to his lips.

“Stop agonizing over a beautiful moment. Do you know how good that made me feel knowing how excited I made you?”

Rami finally gave her a small smile, though it was evident he still felt ashamed.

With a roll of her eyes and a sigh, she grasped the base of his cock where she felt the condom and let his softened dick slide out of her. Carefully, she pulled it off of him and moved off the bed to toss it in the trash.

“Now that we’ve gotten that,” she said gesturing to his limp cock, “out of the way, we can concentrate on real pleasure.

“Is there anything you know you don’t like to do in the bedroom?” she asked, her head cocked to the side.

“Uh . . . I don’t think so?” Rami said with hesitation.

“If you want me to stop anything at any time, just say stop. Okay?”

Rami nodded, his lips parted as he intently watched her.

“Your eyes are going to make you a star,” she said, her head still cocked to the side as she returned his gaze.

He blinked as he blushed, a slight red flush creeping up his neck.

“Well,” she began as she rummaged in her drawer until she withdrew a small tube of lubricant, “when you’re young, you’re awfully resilient. Not to knock men my own age, but they tend to have a lack of stamina. Nature’s fault, of course, but women, well we really don’t reach our sexual prime until our 30s, even late 30s I dare say.”

Rami listened as she climbed back onto the bed, settling between his thighs. He wondered if he should feel awkward in this position, but as he watched her spread lubricant on her index finger, he felt his cock twitch.

“So, what that means, is that women end up with a significantly less amount of time to have great sex because they finally feel attractive enough to get a partner who meets their standards and because they finally know their bodies well enough to make demands of their lovers.”

She paused and shot him a seductive smile as she pressed her finger to his perineum and started to massage him.

“Jesus,” Rami moaned.

“Undisputedly a man. God, however . . . I like the sound of that,” she said in a low voice as she slipped her well-lubricated finger into Rami’s ass and brushed his prostate.

“Ohmy . . . GOD,” he cried out, his thighs jerking, but her body stopping them from slamming together.

“That’s better,” she replied in that same low, sultry voice as she bent to take his dick in her mouth.

Rami’s cock hardened instantly, and he found himself filled with an intense need to fuck this woman senseless.

“St-sto-stop,” he managed, and she lifted her head and slowly extracted her finger.

Rami was animalistic in his movements; he sat up and flipped her onto her back, burying his face between her thighs. He wanted her soaking when he slid inside of her again, so when she began to give him directions, he responded to every single command.

He didn’t feel shy the second time they fucked.

Or the third.

Or the fourth.

By the time the morning light peeked through her windows and he positioned himself at her entrance for the fifth time, he felt like he really had found god.

And she was a woman.

#Rami Malek smut #Rami Malek #thirsty thursday #Rami x female character #sort of x reader

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defendourhoodz · 5 years

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Blue Cat Cafe CLOSED - The Boycott On the Property Remains!

Defend Our Hoodz is proud to announce, after three years of hard-fought struggle, the boycott against Blue Cat Cafe is victorious and the gentrifying, white supremacist hub is now closed for good. A moving truck was seen removing the last of their things yesterday, Feb. 4, 2019. We're told that they've had irregular hours for months and are no longer able to pay their rent.

Now that they are shut down, we continue to uphold the boycott against the landlords, Jordan French and Darius Fisher (also known as F&F), who violently demolished the Jumpolin Piñata store in February 2015.

Any business attempting to lease the space will face the same fierce boycott we have held against Blue Cat that has led to their closing.

From Blue Cat's opening day in October 2015, until now, we've maintained a militant boycott. The demand three years ago was to not provide F&F rent money because of their demolition of the Jumpolin pinata store. When Rebecca Gray, the owner of Blue Cat, ignored this demand, we pursued a strategy of direct action, to make Blue Cat so unprofitable that they couldn’t afford to pay F&F.

For all those who have stood with us, and seen through the lies, the distortions of gentrifiers, and even attacks from supposed community leaders about our organizing and group, we thank you immensely for your support. This victory is yours as well, especially if you have ever joined us on the picket line or spread the word about the boycott of Blue Cat Cafe.

For anyone who defends gentrification, Blue Cat Cafe, the scumbag landlords Jordan French and Darius Fisher, and ignores Blue Cat’s alliance with nazis and trump supporters, ignores their countless customer reviews of animal neglect and poor sanitation, and denies their employee testimonials of abusive management and wage theft - you stand with all of the racism and exploitation that the landlords, Blue Cat, and their white supremacist allies have carried out.

If Blue Cat Cafe and Rebecca Gray, ever deserved empathy (which they didn’t), she gave up any supposed high ground when she invited her Nazi brother and his fellow fascists to organize a picket-busting gang to attack us. Those who attack us and defend her are directly on the side of exploitation and white supremacy, and today, your side lost the battle.

Some may claim that we didn’t have anything do with their closing, and it wasn’t our tactics that won this. This is pure fantasy. Blue Cat Cafe is leaving because they couldn’t withstand the unified force of people militantly holding them accountable. We made her Gentrification project unprofitable.

The fact is, if a cat cafe were to be successful anywhere, it would be Austin, where the dominant, mostly white, liberal ruling-class is notorious for valuing animal life over Black, Chicano, Immigrant, and working class people. We are an animal-obsessed city, and for as long as Blue Cat has existed, people have used the cats as a shield for the actions of Blue Cat Cafe, F&F, and the Nazis themselves. The landlords knew what they were doing by leasing to Blue Cat - they are also in the PR game. They thought cute cats would get people to shut up.

But, it was our resolve and principled struggle against Blue Cat Cafe that has led to this outcome, not the same tired paths of those who want to surrender at the first sign of a long and difficult fight, especially one that will not build political careers or bring in non-profit funding.

Blue Cat Cafe started their first day of business crossing a community boycott against the landlords, Jordan French and Darius Fisher. Blue Cat Owner Rebecca Gray thought she knew better than the community and those saying to decrease the profit from the site after F&F violently demolished the Jumpolin Piñata Store. She was notified multiple times, asked by the Jumpolin family and the barrio not to move in, but she ignored their calls. For this, Blue Cat was picketed on its opening day, and on a regular basis ever since.

Those first pickets were tame - but Rebecca Gray consistently escalated things. Our pickets would stay on the sidewalk, but she would insert herself into our picket, bumping into us, and like a soccer player taking a dive, fake that we pushed her. She would get in people’s faces, like the entitled middle-class business owner that she is, and try to argue with us, when we had made it clear that the only thing to discuss was if she would close her business.

Our resolve caused her to grow more and more unhinged each time she encountered us. At one picket, she came out to the picket line drunk, and proceeded to roll around on the ground, making lewd gestures that disturbed those of us there.

We have known that Rebecca is a alcoholic and has multiple DWIs. While racists and ignorant people claim that working-class people in the barrio are drug-users and don’t deserve to keep their communities because they are irresponsible - the owner of Blue Cat Cafe was a dangerous alcoholic who drives with a suspended license, endangering others in the community. This is the blatant hypocrisy of gentrifiers and small business owners (of all backgrounds) who believe they are harder working or more noble than those who don’t own a business. The fact is that Rebecca needs professional help and has no place operating a small business.

Over time, numerous customer and employee reports began to emerge of animal neglect and employee mistreatment. Kittens were adopted out with diseases. Liquid Feces would be left on the floor and employees would pay for animal care out of their own pockets. Employees also reported wage theft and abusive treatment from Rebecca.

Our struggle escalated when Rebecca accused our organization of an incident that occurred in October 2016. Someone tagged the building and glued the locks shut. We don’t know who did this, yet Rebecca clearly implied it was us to the Austin-American Statesman, who never contacted us for comment.Because of this sloppy reporting, Alex Jones of Infowars himself picked up the story, and began to direct his rabid, racist Trump-loving followers to attack our organization. Rebecca did an interview with Infowars, where she referred to us as ‘hate group’ and ‘terrorists’.

From that point on, the alt-right and white supremacists made Blue Cat Cafe their own pet cause. The interviews with infowars helped fuel her gofundme, which raised over $15,000, including a $500 donation, left with a comment that said: ‘I hope these protesters die a slow horrible death’ and other violent and racist statements.

We have had regular white supremacist trolls ever since. Nazis in town for the “White Lives Matter” rally in November 2016 spoke of plans to visit the cafe and called to offer their admiration and support.But this still wasn’t the full view of her white supremacist ties. We began to notice a man lurking around our March for Jumpolin in February 2017.

Not long after, he was seen at another white supremacist event, an attack on the revolutionary May Day march, and he was identified as Paul Gray, Rebecca’s brother.And then, we came face to face with Paul when Rebecca invited him to ‘protect’ Blue Cat from our pickets. He gathered fellow Nazis, including Erik Sailors, and others who would later go to Charlottesville, and attacked our picket line on site, before we had even reached the sidewalk of Blue Cat Cafe.

While they attacked first, we and our allies defended ourselves. Erik Sailors, who has gained national notoriety since then, left the encounter with a split head, stitches, and a permanent scar of his stupidity. It has been revealed that Erik and Paul both were two Nazis who were putting up white supremacist propaganda on the Texas State campus in San Marcos in December 2017.

For being uncompromising about gentrification and Blue Cat Cafe, for fighting Nazis, we have earned the insults of people from many backgrounds. And while some may vote for Trump, and others think they’re liberal - they share one thing in common - they took the side of a gentrifier with ties to Nazis because of their own delusions of what is the ‘proper’ way to fight gentrification.

But we know they are on the wrong side of history. We stand in solidarity with militant anti-gentrification groups across the country, especially our comrades in Boyle Heights LA. They too have maintained longstanding boycotts against art galleries invading their community, and because of their resolve, have seen their movement grow, and one by one, the galleries start to fall. The forces of capitalism are beginning to fail in their strategy of using art galleries, or quirky coffee shops and cat cafes, as their forward guard of gentrification.

We know this is only the beginning. Other communities must take up the militant anti-Gentrification fight. But we know that capitalist interests will become more vindictive and more violent in protecting their investments. They will try to target leaders, and anyone affiliated with them. They have money and investments on the line.As Blue Cat Cafe demonstrated when they originally defied the boycott, the on-the-ground gentrifiers don’t think they are responsible for enabling exploiters like F&F, yet they paid rent into their pockets every month and helped shield F&F this whole time.

Now, with their space vacant, we warn anyone even considering moving into the space vacated by Blue Cat Cafe - we will go ten times harder against you than we did against Blue Cat. While Rebecca faked ignorance about the boycott, any business owner claiming the same will be exposed as complete liar.

If working-class Austinites truly want to fight gentrification, and not just feel defeated by it, they must take on the struggle of making sure that gentrifiers, developers, and other exploiters feel as uncomfortable and scared as the working-class feels in the face of gentrification.Gentrification destroys communities, leaves people homeless, leaves children traumatized, the elderly stressed and strained to survive. It is a war, and the longer that we act like it can be fought through fake peace - through going through the system that creates gentrification itself, the longer the working-class will feel defeated. But we are hopeful.

We didn’t give up on our fight, and we have won a small battle. We continue to fight new fronts, like Lou’s Bodega, or our ongoing campaign to stop the ‘Domain on Riverside’ that threatens thousands of students and workers. There are many others on the horizon, but we have been tested and will continue to grow stronger.

Join The Struggle - Fight Gentrification with Revolution!

Boycott the Landlords, Jordan French and Darius Fisher, who Demolished Jumpolin!

Destroy Profits from Violent Displacement!

Build the Militant Anti-Gentrification Movement and Fight for the Working class!

#austin #gentrification #bluecatcafe #boycottbluecat #east austin #eastside #victory

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justtextmeoppa · 7 years

Text

❝ I broke my wings pt.1 ❞

Plot: When you finally find a different side of your boss and you start asking yourself who's really that person.

Pairing: JinkixReader

Words count: 3,2k+

Genre: RealLife!Au / not fluff but maybe in the second part lmao

Gif isn’t mine, credits to the owner! ♥

P.S. I want to dedicate this scenario to a particular person. It’s the first person I met on Tumblr after a time of absence and was the first outside of my family to believe in my abilities as a writer. Her opinion has always been incredibly important for me and this is a little gift I wanted to make her, although as "thank you" seems really “dingy”. It's not just because she believed in me, but also because she always proved to be (still today) a person to rely on, a person with whom it’s always pleasant to spend time talking about cutthroat (don’t worry, I’m talking about Jinki and Jaebum with their angry expressions) and everything else. Thanks to Lee Jinki we met but fortunately it was just the beginning. I never told you, but I love ya.

- M.

For the umpteenth time, your boss had forced you to stay till late. You couldn't understand whether it was hatred towards you or simply sadism towards his employees.

Your eyes ached for the effort to stay repeatedly in front of the computer screen, but you were aware that not ending the practices that you had entrusted was even worse than losing some degree to the sight.

The sound of something resting on the table will momentarily distract you from the myriad of black words on white you had in front, words you didn't even remember at that time.

"Drink, it will help you." Minho's soft and kind voice gave you a moment of peace, while sitting by your side and observing the intricate pattern of notes scattered around the desk. "That man never ceases to surprise me. He can get to kill because of tiredness even the most tireless of his lawyers. "

"Thanks for the coffee.. I'm fine, really. "

"It's three o'clock in the morning and you're here from a whole day, Y/N."

A sigh escaped from your lips while you sealed them against the cardboard of the glass, savoring the slightly bitter taste of your coffee. Minho knew your tastes and fortunately, he never was wrong to get you what you loved most.

"Why don't you confront him? It almost seems like you hate "

"First, he founded this company at the age of 23. He's our boss and one of the most influential men in all South Korea. I don't need to be fired, I need work. "

Your answer will silence momentarily and in the moment that, with the corner of your eye, you would realize that it was on the verge of answering again so you rested a finger on his mouth, silencing him.

"No, you're forbidden to talk Choi Minho. Then you are here too, why?? "

"Because despite being my boss, Jinki is also my friend and I care for him."

"Then go to him instead of wasting time to me!" You mumbled almost taking the chair from under his butt, immediately returning to your notes.

Being part of the lawyers' team of a large multinational with a turnover of more than 80 billion won a year wasn't easy, but still assured you to work and have a roof over your head. That was your only concern at the end of the day.

When you finally were alone your attention focused on a legal quibble that a company, on the verge of going bankrupt and being acquired by yours, was trying to take advantage of them.

They wouldn't have won, not until you'd had a life.

~ ~

"Have you found a way to strengthen your strategy?"

"Yes, sir."

"I don't want to lose this cause, I don't pay you salaries at six zeros to lose."

His tone never changed. Always placid, cold and aloof. As if even his own work bore him.

But if any person had watched Lee Jinki into his eyes he would have seen pure determination. He wasn't a person who loved to get trampled and his employees had understood it well.

"Y/n?"

"Sir."

"I hope you solved that problem that I entrusted to you yesterday." He said without looking into your eyes, as he used to do.

You watched him and even if you earned enough you knew that the blue night suit he wore at that time could cost more than your salary for a month.

You shook your head to drive away that useless thought, resting in front of him a file with all information useful for the acquisition. Even though you were a lawyer, you were so accustomed to carrying out other tasks that his requests no longer surprised you.

He browsed the file quickly, almost annoyed, and nodded just returning to the documents he had before.

His slight nod was his leave, so after slightly bowed head in a salute, you turned to start walking towards the door.

"Y/N."

To the sound of your name, you blocked immediately, staying next to the door but face towards him. Never give him his back, the first rule you had learned after being hired.

"Tonight there's an important dinner, for charity and for finding investors. You and Minho should be there, I want to have legal support in case I need it. "

"Sure sir." You said quietly, despite mentally you was cursing him; "Fancy dress?"

"Of course, you can avoid those floral dresses, okay?"

You wouldn't answer that, you just bowed your head and left his office. For the umpteenth time, and you didn't know how he'd hurt you with a simple phrase.

First, he ruined the plans of your evening, in other words celebrate your birthday, and then he also hurt your pride. Lee Jinki would have, sooner or later, found death by your hand.

~ ~

"Yah, why do you let him treat you like that?!?!?!".

The umpteenth scream of your best friend made you raise your eyes to heaven, while in front of the mirror you tried some clothes that he kindly brought you. They were not of your taste, but for that kind of evening they were perfect and you knew that her sister wouldn't say anything.

"Y/n answer me or I burn that Gucci you have in your hands and it would be your best choice!"

"Kibum you never burn a Gucci, rather you would jump from the top floor of a sixty storey building."

"True, but these are details. It's your birthday today, your parents came here especially for you! Also Jonghyun and Taemin, why?!?! "

"It's my job.." It was your only answer, while you were wearing that black Gucci that oddly you didn't completely disgust. It had a slit on its left leg, a huge v-neck on its back so much to discover completely your back and seemed to be made for your body.

"He has a team of lawyers. Why you?? "

"And Minho."

"But who cares about that big baby with his smile from the cover; " brushed off the matter by throwing yourself on your bed, giving you the black underwear you had resting on the blankets.

"At least I have you explaining how to dress me, otherwise I would have worn one of my beloved clothes with flowers"

"Rather than Gucci, I burn those. You have a bad fashion sense, Y/n. "

Your middle finger got up and he accepted it whit a huge fake smile while you took everything you needed to run into the bathroom to start getting ready.

If your boss had asked for elegance, you would have given elegance to him.

~ ~

One thing in favor of Jinki you had to say. His limo was pure perfection.

You and Minho were seated on the rear seats, a glass of fine champagne in your hand, while with a boyish look you enjoying the inside of the limo. You were alone, aware that your boss was already at dinner, too busy looking for new investors for the cause.

"Do you know he has invested in a new project?"

"Which project?? How to make more money in less time and not to let your lawyers sleep? "

"No, It's a project for the protection of orphaned children and exploited as child labor."

Minho's answer didn't do what you'd expect and a sudden knot at your throat made you almost choked with the icy liquid. You would never have said that the cold and detached Lee Jinki had a very delicate subject at heart. A delicate subject for you too.

"Oh..."

"You're one of his best lawyers and don't control his financial shifts?"

"For those, he has another team of experts.." You murmured without adding anything else, emptying the glass; "Then it's a good thing if he cares about those problems, he can with all the money he has."

The limo stopped right at that time and he, of course as a gentleman he was, descended first, holding the door open specially for you.

The delicate fabric of the dress tickles your skin while you left the flap of it after getting off of the car, while your gaze heaved and lay on a man on the stairs.

You would have recognized his profile anywhere and in a white dress he could even stand out more than ever in the darkness of the night.

He was looking at you two or better, for a moment you had the feeling that he was just looking at you.

But then he turned, giving his back and entering the building without even coming to greet you. You were used to that, you were used to being completely invisible to him. Not that you would be sorry, but if he were slightly more cordial to you than you would have rejoiced more at work.

Minho, next to you, offered you his arm and at a slow pace, you two started to walk toward the entrance.

The air was cold that evening, despite it being an evening of late May, and the desire of your warm blankets made you regret that you have decided not to wear any kind of clothes beyond the black dress.

"Ready for vultures? They'll try to pin every won from your wallet" He chuckled into your ear, continuing to guide you without any problems.

"They'll find little in my wallet, a fifty-won banknote and candies' litters."

~ ~

You were on your third glass of champagne, excluding the one drunk in the limo, but fortunately, you were holding the alcohol perfectly and you were still perfectly lucid.

The voices came almost muffled to your ears, you had completely strayed with the mind just noticed what kind of people occupied the large tables specially embellished for the evening.

Boring, it was the word that drew nearer to describe that heap of people all the same to your eyes.

You touched Minho's shoulders, engaged in a conversation on with someone you didn't know, walking away and finding shelter outside.

The balcony was long and wide as much as your home, but it didn't surprise you much. That building had been built to convey greatness and was quite well able to its task.

"Are you bored?"

Even without looking at him, his voice was unmistakable, so you continued to observe the view in front of you in absolute silence.

"Keep it." He handed you a glass of champagne, which you accepted with a little smile, while he was resting with both elbows on the balcony balustrade; "Nice view, eh?"

"MH."

"Something wrong, y/n?"

"Nothing, sir." You lied, starting to sip with little sips the champagne.

"I don't understand how you can be one of the best lawyers in Seoul when you can't lie."

"He'll discover that I lie more than he believes."

You were perfectly able to feel his gaze on you and in a daring impulse you turned your face towards him, letting your eyes meet.

He had removed the tie and had unbuttoned the first button of the shirt, making that the first time you didn't see him fully composed and dressed to perfection.

"Do you think I don't know when you lie?" He asked you, a little smile widened on his plump lips and even that was a first time for you, that in three years you had never seen him smile; "Your voice trembles, a small wrinkle will form between your eyebrows and your gaze continually moves."

"He's a careful observer."

"Only if it's worth it."

"Oh God, this looks so much like a romantic movie scene. Please don't tell me that now he shall declare his eternal love and that his being an asshole with me was only a tactic to win over me. "

The words came out of your mouth just before you could put a brake, leaving you completely astonished before him.

You just called your boss an asshole, and if that will be the cause of your layoff, you'd hate yourself until your least breath.

"My behavior as an asshole, as you called it, is due to the fact that I prefer to keep hanging the people who I think are talented." He answered quietly, lifting an eyebrow with a frown amused.

He looked like another person that night, he was even able to smile or use sarcasm. Did he was the same person at work that all of you always called "The Monster under the bed"?

"And still Y/N, she's certainly not an easy type."

"Excuse me?!?!"

"Happy Birthday, Y/N." He whispered without answering your question, resting a small package on the balustrade and moving away, returning to the heavy atmosphere of the dinner.

"How the hell did he know.."

With your slightly trembling hand, you would take the package, undecided if you open it and give it a peek, or return to him immediately.

You didn't want any kind of gift, especially not from your boss that that night seemed to be switched with a sort of good twin.

"Gifts are made to be open, Y/n".

His voice caught you by surprise, so much so that jolted and the glass in your hands fell disastrously to the ground.

Crystal from who knows how many hundreds of won completely destroyed in a thousand pieces at your feet.

"What do you want from me tonight, sir? I don't understand! He even made me break a glass that maybe costs more than my dress! "

"I wanted to make sure you opened the gift. And don't overreact, nothing costs more than your dress.. At least not the glass and silverware. I guess it's Kibum's choice or am I wrong? "

In hearing the name of your best friend getting out of his lips you blocked yourself completely, watching him seriously for the first time during the evening.

"How do you know Kibum?"

"Same schools."

"How small the world is. Anyway; " You started, taking the package and stepping over the crystals on the floor," keep your gift as well. You're my boss; nothing more than this. " Gently You took his hand and rested the package on it, feeling the softness of his skin under the touch of your fingers. He had strangely small and chubby hands that for a moment completely stole your concentration.

The umpteenth bow of the head and with slow steps you headed to the windows doors, rethinking only at that time to that only question that he had not answered.

"What did you mean?"

"When?" He asked you curiously, taking a couple of steps towards you.

"When you said I'm not an easy type."   The annoyance was blatant in your tone and he seemed to notice. Jinki was always aware of every little thing and after years still didn't understand how he could do it.

"What I said. First, you had this aspect that keeps everyone away. "

"Speaks the least approachable person in the world." You puffed, crossing your arms over your chest.

"Second, your intelligence scares everyone. You're acute, refined and lethal when your begin to speak and everyone have fear when you're near. "

"Huh, thank you."

"Third, you've a bad taste in dressing."

"Personal opinion, cannot be considered a test in favor of the thesis that I'm not an easy type."

"Fourth, you're extraordinarily beautiful."

The only thing you didn't expect him to say struck you in full, making you for a second stagger on the heels that Kibum had forced you to wear.

His eyes were bent down and welcomed, indeed completed, the smile that he was addressing you at that time.

The second smile in three years, it looked almost like a record.

"I'm an asshole with you, more than with others because you are the same as me Y/N and it scares me. I'm not used to having someone matching up to me or reminding me that I can be weak too. I built that company out of nowhere, giving up everything. Family; friends, love. It was my choice and I didn't regret it. But when I look at you, even if we have only four years of difference, I see me of many years ago. And I wonder how it would have been if I had made different choices. I'm so asshole with you because I hope one day you fire and you're looking for something better, something that doesn't break your wings in the way I've broken mine. "

His words were a blow to your heart more than his compliment, while your heart lost some beating and a strange warmth emerged on your cheeks.

You were blushing but you didn't understand the reason, while in spite of the desire to answer him you were completely unable to utter a word.

"Y/N-ssi, you could do it all. Don't make any trouble, don't give up on everything, " He added again to speak to you in a formal way, approaching you and with a quick gesture he took off the jacket of his suit.

He gave it to you and slightly groggy you would accept it silently; gently laying it on your shoulders.

You were a few inches away, thanks to the heels you were practically at his height, and at that moment you could see a totally different man in front of you.

"What?"

"I like to work for you sir, though sometimes your behaviors hurt me. I love the fact that you undertake so much for the rights of those who cannot defend themselves. Despite the bad times, the waivers, the tiredness.. Working for you is something that makes me happy. "

"Now you'll declare your love, Y/N-ssi?"

"We're not in a movie for teenagers, sir. I'm sorry to disappoint your dreams. " Smiling you turned and it was your time to leave him, who remained to stare with an amused smile even though just hinted.

You had just returned to the salon when someone joined you, letting something slip into the jacket pocket you wore.

Your boss outdo you, turning just with his head just to watch you. He pointed his finger at the jacket pocket, making you a little nod and disappearing almost immediately in the crowd.

No, at that time you preferred Lee Jinki's asshole version. Sighing you reached the mysterious object, what else was your birthday present.

A little smile drew onto your lips, but you decide that it was not the right place to open it.

Especially not under his gaze because you knew, actually you were totally sure, that in some way he was always ready to grasp even the smallest details around him.

40 notes · View notes

cebu-realestate · 4 years

Text

Philippine Real Estate During COVID-19

AKIN to world crises prior to now, the present coronavirus illness 2019 (Covid-19) pandemic apparently has forged doubt on the Philippine real estate economic system’s prospects. And but, for all of the doom and gloom eventualities, one factor for certain, in line with Philippine real-estate specialists and gamers, is that this well-being emergency opens up alternatives for each the real-estate traders and builders.

With this in thoughts, they agreed that now’s the right time for the market to accumulate a bit of a property as builders want to satisfy their expectations simply after they take care of present conditions of their subject amid the unfold of the virulent, lethal virus.

“Highest and best use of Philippine property will become even more important for investors and developers. Flexibility is key. Covid-19 is indeed a crisis, but every crisis brings opportunities,” KMC Solutions Cofounder Amanda Carpo advised the BusinessMirror.

“While the pandemic has brought about many uncertainties and challenges across a broad spectrum of investors and customers, basic microeconomics principles still point out to clear advantages of investing in property.… I do believe that developers should be sincere in adapting to the different rigors and demands brought about by the new normal,” added Golden Bay Landholdings Inc. (GBLI) Chief Operating Officer (COO) Jardin Brian Wong.

Philippine Real Estate is Crisis-proof

NO matter what the financial setting is, actual property, not like some industries, is resilient sufficient to offer good returns. In reality, it’s the third-safest funding subsequent to gold and certificates of deposit, per an examination by world public opinion and knowledge firm YouGov.

“Property has long been the gold standard for investment because of a plethora of reasons,” Wong famous.

Foremost of such causes, he stated, is that it’s extremely tangible funding that the consumers can see and really feel. Second can be the legacy side—these belongings will be handed out from era to era—arguably giving them a way of safety.

The third is its worth era. “Over time, Philippine real estate tends to increase in value exponentially while in comparison, actual money contracts due to a plethora of reasons like supply and demand, inflation and fiscal pressure,” Wong identified.

He was famous that property investments are thought of to be secure not like different potential income streams like shares, bonds, and different securities that have fluctuating tendencies and are extra inclined to market shocks.

Sharing the identical concept with him, Carpo views actual property as a great instrument for traders to diversify their funding portfolio. She stated: “Equities are much more volatile and carry more risk in general, and real estate can help manage volatility and risk and make your investments more efficient. More than ever, investors need to understand the effects of volatility. That is what we will be experiencing in the near future.”

Cautious transfer

ALTHOUGH property is effective funding generally, the prime mover of KMC Solutions cautioned consumers to be extra sensitive about their targets and timeframe.

In these troublesome occasions, a downward development in real-estate values is predicted. Nonetheless, it could be a great time for traders to come back into the market.

“If you are investing, you should know whether you are a safe, aggressive, opportunistic investor,” Carpo stated. “You should know your expected return and the volatility involved.”

Because excessive returns include excessive dangers, it’s pure for property seekers to search for belongings that aren’t so risky however have an honest return.

“Real estate is efficient in that sense,” she stated. “An investment in real estate is a long play and balances the volatility of a portfolio of equities, bonds, and cash. It builds wealth and helps grow wealth since you can also use it for leverage.”

For the good thing about property homeowners who must promote their belongings—given the risky markets paired with unpredictability on when the well-being disaster will finish—Carpo had this as a reminder: “If you need to liquidate, make sure that you will be able to re-invest the proceeds or use it for something essential. It may be time to tighten belts. It may be time to discard ‘sentimentality.’ Be flexible.”

For those that nonetheless have sufficient assets or money available, she admonished them in a different way. “If you have income-producing property or one that has good intrinsic value and can afford to hold on, it’s my personal preference to play the long game.”

Maximize your funding

STILL within the lockdown mode, traders can maximize their real-estate funding in two methods, Wong stated.

An adage that claims, “Our home is our sanctuary” works—practicality-wise—throughout this time that the Luzon-based enhanced group quarantine (ECQ) is carried out to assist comprise the speedy unfold of the virus.

“I believe that investing and having our own homes during a pandemic provides that extra safety and security mechanism that everyone should have,” he stated

Second can be the economical side. The COO of GBLI stated real-estate belongings is usually a lifeline to help dwindling earnings streams or to help cash-strapped stability sheets.

“Consumers can leverage these tangible assets to secure much-needed funding or aid during extraordinary emergencies like this,” he stated.

Looking past the well-being emergency, traders must leverage on the stretched fee phrases and lock in adjusted costs that builders now provide to them. Availing themselves of such drastically reduces the month-to-month publicity of every shopper.

“Most of these payment terms are over three or four years. So, hopefully, by then the world economy and global health system would be over the initial ‘shock’ to the market and would have adjusted fairly well. When everything goes back to normal, buyers might enjoy the same benefits they would get,” Wong careworn.

Catering to market demand

EXPECTING a heightened shopping for an impulse from the market throughout this pandemic, Golden Bay assures that it has an agency grasp of the promotion it operates in.

“We adapt to market conditions and try our best to bridge impending gaps between market trajectory and consumer appetite,” the COO bared.

At current, he stated initiatives underneath design improvement and development phases are being reviewed and, subsequently, strengthened to suit future market necessities.

“As a company, we always make it a priority to be nimble and reactive to the ever-changing demands of the market, and we are prepared to adapt well to these changes,” emphasized Wong.

In a bid to be delicate to prospects’ wants given their present state of affairs within the time of Covid-19, he stated the agency is within the strategy of implementing versatile and extra inexpensive fee schemes for his or her goal consumers.

AboitizLand, Cebu Landmasters

This effort is much like different gamers’ initiatives to in some way assist property seekers, particularly those that have misplaced their jobs or technique of livelihood due to the government-imposed ECQ, to manage.

In a current developer webinar sequence of Lamudi, AboitizLand Inc. offers incentives to consumers, reminiscent of reductions, to assist them in their monetary want. This reward scheme can also be given to sellers by adjusting their fee charges in recognition of their being “frontliners” within the enterprise.

“The challenge is not just in the new model of selling. The challenge [is more on the fact that] the people we’re selling to have [fewer] resources. In fact, that’s the bigger challenge. You’re talking now to people who have [fewer] resources, and not only [fewer] resources, but the uncertainty of that resource,” stated David Rafael, chief govt officer (CEO) of AboitizLand.

Regional participant Cebu Landmasters Inc. (CLI), however, has prolonged fee schemes for many who acquired pre-selling items. Also, the agency reassures shoppers by telling them that the costs received change.

“In the next few months, prices of construction materials will soften because a lot of the inventory was not acquired. There are possible adjustments, a review of the pricing,” CLI CEO Jose Soberano III stated.

Torre Lorenzo Development Corp. (TLDC), in the meantime, has a special strategy. Considering that it caters to the high-end market, whose widespread concern is the time of supply of the items greater than versatile fee phrases, the corporate offers very important info to maintain patrons within the loop.

TLDC CEO Tomas Lorenzo additionally shared that they’re working for the Philippine real estate rental market. He stated: “People who can’t afford to buy are going to shift to leasing. In Torre Lorenzo, we have quite a substantial portion of our projects for lease.”

New regular

THE unprecedented well-being emergency the world is now going through is altering the best way individuals work, play, eat, and stay.

“Some of these adaptations may be permanent,” stated Carpo. “Just like 9-11 where, over time we recognized we live in a world where terrorism is possible and we are used to security checks, screening, and metal detectors, this pandemic will force workplaces, homes, shops, restaurants, factories to think of health and safety measures to prevent disease.”

Apart from the necessity for properties to have correct airflow, sanitized areas, and social-distancing measures, amongst others, she stated that one other new regular can be a change in design ideas.

“We will have to rethink high-density living. We will have to, more than ever, think of our environment and the space we live in,” she famous, including that each trader and builders must turn into data-driven of their decision-making. “We are in uncertain times and we must be willing to adapt. Adapt or die.”

Golden Bay, for one, sees plenty of expertise utilization from the best way they do enterprise will emerge from the disaster.

“From an operational point of view, some jobs would be done remotely from the confines of employees’ homes. Investment in technology for sales and marketing purposes will rise significantly since developers will try to reach customers through the web. Over-the-counter payment forms will be forgone in favor of cashless transactions. On the engineering front, developers would want to review existing and future projects in the pipeline to adapt to new demands of society,” Wong stated.

“Business Mirror by Roderick Abad (May 10, 2020)”

#Coronavirus #COVID

0 notes

house-and-lot-for-sale-in-cebu · 4 years

Text

Philippine Real Estate During COVID-19

Philippine Real Estate is Crisis-proof

“Property has long been the gold standard for investment because of a plethora of reasons,” Wong famous.

Cautious transfer

ALTHOUGH property is effective funding generally, the prime mover of KMC Solutions cautioned consumers to be extra sensitive about their targets and timeframe.

In these troublesome occasions, a downward development in real-estate values is predicted. Nonetheless, it could be a great time for traders to come back into the market.

“If you are investing, you should know whether you are a safe, aggressive, opportunistic investor,” Carpo stated. “You should know your expected return and the volatility involved.”

Because excessive returns include excessive dangers, it’s pure for property seekers to search for belongings that aren’t so risky however have an honest return.

Maximize your funding

STILL within the lockdown mode, traders can maximize their real-estate funding in two methods, Wong stated.

“I believe that investing and having our own homes during a pandemic provides that extra safety and security mechanism that everyone should have,” he stated

Second can be the economical side. The COO of GBLI stated real-estate belongings is usually a lifeline to help dwindling earnings streams or to help cash-strapped stability sheets.

“Consumers can leverage these tangible assets to secure much-needed funding or aid during extraordinary emergencies like this,” he stated.

Catering to market demand

EXPECTING a heightened shopping for an impulse from the market throughout this pandemic, Golden Bay assures that it has an agency grasp of the promotion it operates in.

“We adapt to market conditions and try our best to bridge impending gaps between market trajectory and consumer appetite,” the COO bared.

At current, he stated initiatives underneath design improvement and development phases are being reviewed and, subsequently, strengthened to suit future market necessities.

“As a company, we always make it a priority to be nimble and reactive to the ever-changing demands of the market, and we are prepared to adapt well to these changes,” emphasized Wong.

AboitizLand, Cebu Landmasters

New regular

THE unprecedented well-being emergency the world is now going through is altering the best way individuals work, play, eat, and stay.

Golden Bay, for one, sees plenty of expertise utilization from the best way they do enterprise will emerge from the disaster.

“Business Mirror by Roderick Abad (May 10, 2020)”

#Coronavirus #COVID

0 notes

house-and-lot-cebu · 4 years

Text

Philippine Real Estate During COVID-19

Philippine Real Estate is Crisis-proof

“Property has long been the gold standard for investment because of a plethora of reasons,” Wong famous.

Cautious transfer

ALTHOUGH property is effective funding generally, the prime mover of KMC Solutions cautioned consumers to be extra sensitive about their targets and timeframe.

In these troublesome occasions, a downward development in real-estate values is predicted. Nonetheless, it could be a great time for traders to come back into the market.

“If you are investing, you should know whether you are a safe, aggressive, opportunistic investor,” Carpo stated. “You should know your expected return and the volatility involved.”

Because excessive returns include excessive dangers, it’s pure for property seekers to search for belongings that aren’t so risky however have an honest return.

Maximize your funding

STILL within the lockdown mode, traders can maximize their real-estate funding in two methods, Wong stated.

“I believe that investing and having our own homes during a pandemic provides that extra safety and security mechanism that everyone should have,” he stated

Second can be the economical side. The COO of GBLI stated real-estate belongings is usually a lifeline to help dwindling earnings streams or to help cash-strapped stability sheets.

“Consumers can leverage these tangible assets to secure much-needed funding or aid during extraordinary emergencies like this,” he stated.

Catering to market demand

EXPECTING a heightened shopping for an impulse from the market throughout this pandemic, Golden Bay assures that it has an agency grasp of the promotion it operates in.

“We adapt to market conditions and try our best to bridge impending gaps between market trajectory and consumer appetite,” the COO bared.

At current, he stated initiatives underneath design improvement and development phases are being reviewed and, subsequently, strengthened to suit future market necessities.

“As a company, we always make it a priority to be nimble and reactive to the ever-changing demands of the market, and we are prepared to adapt well to these changes,” emphasized Wong.

AboitizLand, Cebu Landmasters

New regular

THE unprecedented well-being emergency the world is now going through is altering the best way individuals work, play, eat, and stay.

Golden Bay, for one, sees plenty of expertise utilization from the best way they do enterprise will emerge from the disaster.

“Business Mirror by Roderick Abad (May 10, 2020)”

#Coronavirus #COVID

0 notes

cebu-real-estate · 4 years

Text

Philippine Real Estate During COVID-19

Philippine Real Estate is Crisis-proof

“Property has long been the gold standard for investment because of a plethora of reasons,” Wong famous.

Cautious transfer

ALTHOUGH property is effective funding generally, the prime mover of KMC Solutions cautioned consumers to be extra sensitive about their targets and timeframe.

In these troublesome occasions, a downward development in real-estate values is predicted. Nonetheless, it could be a great time for traders to come back into the market.

“If you are investing, you should know whether you are a safe, aggressive, opportunistic investor,” Carpo stated. “You should know your expected return and the volatility involved.”

Because excessive returns include excessive dangers, it’s pure for property seekers to search for belongings that aren’t so risky however have an honest return.

Maximize your funding

STILL within the lockdown mode, traders can maximize their real-estate funding in two methods, Wong stated.

“I believe that investing and having our own homes during a pandemic provides that extra safety and security mechanism that everyone should have,” he stated

Second can be the economical side. The COO of GBLI stated real-estate belongings is usually a lifeline to help dwindling earnings streams or to help cash-strapped stability sheets.

“Consumers can leverage these tangible assets to secure much-needed funding or aid during extraordinary emergencies like this,” he stated.

Catering to market demand

EXPECTING a heightened shopping for an impulse from the market throughout this pandemic, Golden Bay assures that it has an agency grasp of the promotion it operates in.

“We adapt to market conditions and try our best to bridge impending gaps between market trajectory and consumer appetite,” the COO bared.

At current, he stated initiatives underneath design improvement and development phases are being reviewed and, subsequently, strengthened to suit future market necessities.

“As a company, we always make it a priority to be nimble and reactive to the ever-changing demands of the market, and we are prepared to adapt well to these changes,” emphasized Wong.

AboitizLand, Cebu Landmasters

New regular

THE unprecedented well-being emergency the world is now going through is altering the best way individuals work, play, eat, and stay.

Golden Bay, for one, sees plenty of expertise utilization from the best way they do enterprise will emerge from the disaster.

“Business Mirror by Roderick Abad (May 10, 2020)”

#Coronavirus #COVID

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preciousmetals0 · 4 years

Text

Titanic Earnings; Choppy Sailing; Cinemas Failing

Titanic Earnings; Choppy Sailing; Cinemas Failing:

A Titanic Earnings Season

The markets rallied sharply last week in anticipation that things are starting to get better. And, admittedly they are … where the pandemic is concerned.

According to the Centers for Disease Control and Prevention (CDC), the outbreak is finally stabilizing across the U.S. Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases, believes that the U.S. could ease travel restrictions as early as next month.

This is all good news. It means that life will return to normalcy relatively soon. However, this is just the tip of the pandemic iceberg where the U.S. economy is concerned.

This week marks the beginning of what’s possibly the most important corporate earnings season that many investors will face. An earnings season of Titanic proportions … if you will.

In the past two months, nearly every major U.S. company has issued a guidance warning revolving around COVID-19. General Electric Co. (NYSE: GE), Ford Motor Co. (NYSE: F), Apple Inc. (Nasdaq: AAPL), Walmart Inc. (NYSE: WMT), etcetera, etcetera…

Right now, Wall Street is fully prepared for a $#!% storm when it comes to corporate earnings for 2020’s first quarter. What it isn’t prepared for is guidance for the rest of the year and beyond.

“It’s been remarkable to watch markets just climb higher and higher,” Emily Roland, co-chief investment strategist at John Hancock Investment Management, told The Wall Street Journal. “We haven’t really seen markets reflect the full extent of the damage that coronavirus is having to corporate profitability.”

Right now, analysts project a 9% year-over-year decline in corporate earnings for all of 2020, according to data from FactSet Research Systems Inc. (NYSE: FDS). That’s a major shift from prior forecasts for 9.2% growth for the year. And it could get much worse.

“My guess is somewhere between a half and three-quarters of analysts have yet to take a knife to their earnings [estimates] because they don’t know what knife to take to them and how deep to cut,” said Nuveen Chief Equity Strategist Bob Doll.

With the start of the first-quarter earnings season just hours away, we’re about to find out.

The Takeaway:

Several years ago, while walking with our two children, my wife slipped on a patch of ice and shattered her ankle. In an attempt to keep our kids safe, she tried to remain standing on that ankle and keep walking. She’s always been one to push through the pain. She’s a stubborn one, and I love her for it.

The surgery took two hours and included a box of hardware that even Home Depot Inc. (NYSE: HD) would be proud of.

But, while patching up my lovely wife took mere hours, the rehabilitation needed to return to normal lasted roughly a year. It turns out that trying to stay on her feet did more damage to her tendons and muscle motor control than doctors initially realized.

Right now, Wall Street finds itself in a very similar situation.

In March, the pandemic shattered the U.S. economy. The Federal Reserve, the U.S. government and the Department of the Treasury all provided emergency assistance, employing their own exceedingly large box of “hardware” to fix the problem.

Relieved investors tried to stay on their feet, encouraged by the lowest stock prices seen in years. The government’s surgery was over. Everything should be fine now, right?

But, as with my wife’s ankle, the U.S. economy won’t be fully healed anytime soon.

This earnings season will likely uncover quite a bit about how extensive the economy’s “tissue” damage really is. It will take months of therapy before we see anything like the pre-pandemic bull market.

And when that truth finally comes to light — likely within the next couple of weeks — investors are in for a rude awakening.

The Good: 5G Can’t Melt Steel Beams

Apple is finally ready to take a bite out of the 5G market.

According to the infamous “people familiar with the matter,” Apple is rolling out redesigned iPhones with 5G capability this year. There’s a total of four new iPhones reportedly in the making: two to replace the flagship iPhone 11 Pro and Pro Max models, as well as two low-end models to replace the iPhone 11 base model.

The new phones will reportedly forgo the 11’s curved screen design in favor of flat stainless steel edges — a more iPad Pro-like design, according to the people who shall not be named.

The leaked info goes on about the iPhone designs more in detail … but, honestly, aside from the 5G functionality, the only real info of note is that there will be a bump in processing speed. Again, not a big shocker. But it does put the iPhone on track for more augmented-reality content and boosts the potential for artificial intelligence implementation in the devices.

I guess we could distill this Apple news down to “5G iPhones Coming! (Allegedly),” because that’s really the only major change in the new iPhones. An expected change … but a welcome one, for sure.

Oh, and no, 5G does not cause COVID-19. Just stop with this nonsense, please.

(Editor’s Note — Not sure where to start with investing in 5G tech? Click here now!)

The Bad: Choppy Waters

Great Stuff reader David R. asked us over the weekend: “What about the class action lawsuit against CCL? What is that going to do to the stock and dividends?”

In case you weren’t aware, a class-action lawsuit was filed recently against Carnival Corp.’s (NYSE: CCL) Costa Cruises subsidiary. The claim alleges that the company failed to warn passengers about potential exposure to COVID-19, and that Carnival failed to take appropriate precautions.

Given that Carnival has faced several of these class actions before — most recently involving robocalls — I don’t think the lawsuit by itself is that much of a concern for investors.

However, the CDC last week extended its “No Sail Order” for all cruise ships for an additional three months. Combined with a recent offering of 71.9 million CCL shares, this No Sail Order could be very problematic for Carnival investors — especially since the company was left out of the U.S. government’s $2 trillion bailout package.

So, I don’t think the class-action suit is a major problem right now. Carnival has much bigger fish to fry — like just trying to stay afloat.

The Ugly: AMC’s Rocky Horror Show

I hope you’re not waiting with antici … pation for movie theater stocks to come back. Nothing short of a time warp will return this industry to normal after the pandemic shutdown.

If you want proof, look no further than industry bigwig AMC Entertainment Holdings Inc. (NYSE: AMC). The company’s silver screens have been dark since mid-March due to travel restrictions and quarantine orders. As a result, AMC reportedly contacted the law firm Weil, Gotshal & Manges over the weekend to explore a potential chapter 11 bankruptcy filing.

This morning, analysts at both MKM Partners and Loop Capital downgraded AMC shares, citing a potential bankruptcy. Loop cut AMC to hold, while MKM says to sell the shares.

“Based on our view that theaters will be closed until at least August and our belief that AMC lacks the liquidity to stay afloat until that time, we expect the company will soon be faced with filing for bankruptcy,” MKM said in a note to clients.

If we’re being honest here, the movie theater model was already headed to the graveyard.

The companies make more money off of concessions and add-ons than actual movie tickets. Furthermore, direct-to-streaming releases of blockbuster films is already happening at Netflix Inc. (Nasdaq: NFLX) and Amazon.com Inc.’s (Nasdaq: AMZN) Prime Video.

Now that the major movie studios are getting a taste of that sweet, sweet direct-to-streaming cash without the silver screen distribution costs, the industry may never be the same again.

Today’s Chart of the Week comes courtesy of Earnings Whispers. You can see that there are quite a few major banking names on this week’s list, including JPMorgan Chase & Co. (NYSE: JPM) and Bank of America Corp. (NYSE: BAC):

But the real story on the U.S. economy will come from names like Bed Bath & Beyond Inc. (Nasdaq: BBBY), Fastenal Co. (Nasdaq: FAST) and J.B. Hunt Transport Services Inc. (Nasdaq: JBHT). So, while the mainstream financial media focuses on banking giants, keep your eyes peeled for retail, manufacturing and transport earnings and guidance.

Remember: Great Stuff will be here to help make sure you don’t miss those important reports!

Great Stuff: Sleep on Your Toes

If you’ve followed Great Stuff the past few weeks, you won’t be caught off guard when the dogs of the Dow start howling. And if you’re the bargain hunting type, the time will soon come to start prowling.

When you’re on the Street, you’ve got to be able to pick out the easy meat with your eyes closed.

When volatility hits and stocks trade for pennies on the dollar, that’s your time to strike … when the moment is right without thinking. And you don’t have to keep one eye looking over your shoulder … as long as you hold solid, well-run companies, that is.

That’s why you need a guide … a way to keep from going hog-wild in this pigsty. You need Banyan Hill’s own Charles Mizrahi.

Instead of seeing stocks as just heaps of data or wiggles and jiggles on a chart (as some folks do), you’ll see how to spot bona fide game-changing businesses. In fact, Charles’ approach has given him runs where he picked 36 stocks in a row that went up 50% or more!

Click here to learn about Charles’ approach.

Don’t forget, you can always check Great Stuff out on social media: Facebook and Twitter.

Until next time, be Great!

Regards,

Joseph Hargett

Editor, Great Stuff

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goldira01 · 4 years

Link

A Titanic Earnings Season

The markets rallied sharply last week in anticipation that things are starting to get better. And, admittedly they are … where the pandemic is concerned.

This is all good news. It means that life will return to normalcy relatively soon. However, this is just the tip of the pandemic iceberg where the U.S. economy is concerned.

This week marks the beginning of what’s possibly the most important corporate earnings season that many investors will face. An earnings season of Titanic proportions … if you will.

Right now, Wall Street is fully prepared for a $#!% storm when it comes to corporate earnings for 2020’s first quarter. What it isn’t prepared for is guidance for the rest of the year and beyond.

With the start of the first-quarter earnings season just hours away, we’re about to find out.

The Takeaway:

The surgery took two hours and included a box of hardware that even Home Depot Inc. (NYSE: HD) would be proud of.

Right now, Wall Street finds itself in a very similar situation.

Relieved investors tried to stay on their feet, encouraged by the lowest stock prices seen in years. The government’s surgery was over. Everything should be fine now, right?

But, as with my wife’s ankle, the U.S. economy won’t be fully healed anytime soon.

And when that truth finally comes to light — likely within the next couple of weeks — investors are in for a rude awakening.

The Good: 5G Can’t Melt Steel Beams

Apple is finally ready to take a bite out of the 5G market.

The new phones will reportedly forgo the 11’s curved screen design in favor of flat stainless steel edges — a more iPad Pro-like design, according to the people who shall not be named.

Oh, and no, 5G does not cause COVID-19. Just stop with this nonsense, please.

(Editor’s Note — Not sure where to start with investing in 5G tech? Click here now!)

The Bad: Choppy Waters

Great Stuff reader David R. asked us over the weekend: “What about the class action lawsuit against CCL? What is that going to do to the stock and dividends?”

Given that Carnival has faced several of these class actions before — most recently involving robocalls — I don’t think the lawsuit by itself is that much of a concern for investors.

So, I don’t think the class-action suit is a major problem right now. Carnival has much bigger fish to fry — like just trying to stay afloat.

The Ugly: AMC’s Rocky Horror Show

I hope you’re not waiting with antici … pation for movie theater stocks to come back. Nothing short of a time warp will return this industry to normal after the pandemic shutdown.

This morning, analysts at both MKM Partners and Loop Capital downgraded AMC shares, citing a potential bankruptcy. Loop cut AMC to hold, while MKM says to sell the shares.

If we’re being honest here, the movie theater model was already headed to the graveyard.

Now that the major movie studios are getting a taste of that sweet, sweet direct-to-streaming cash without the silver screen distribution costs, the industry may never be the same again.

Remember: Great Stuff will be here to help make sure you don’t miss those important reports!

Great Stuff: Sleep on Your Toes

When you’re on the Street, you’ve got to be able to pick out the easy meat with your eyes closed.

That’s why you need a guide … a way to keep from going hog-wild in this pigsty. You need Banyan Hill’s own Charles Mizrahi.

Click here to learn about Charles’ approach.

Don’t forget, you can always check Great Stuff out on social media: Facebook and Twitter.

Until next time, be Great!

Regards,

Joseph Hargett

Editor, Great Stuff

#Timor Invest

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yahoonews7 · 4 years

Link

On paper, there's an intriguing bull case for miner Freeport-McMoRan (NYSE:FCX). Freeport-McMoRan stock looks cheap. Copper prices have dipped of late, but have at least one important long-term tailwind. And Freeport has steadily improved its balance sheet in recent years, cutting net debt by over $12 billion between the end of 2015 and the end of 2019.Source: MICHAEL A JACKSON FILMS / Shutterstock.com But the key phrase is "on paper." In practice, there's a huge stumbling block to the bull case for FCX stock. Even if Freeport-McMoRan can drive higher free cash flow, as bulls and the company itself project, there's a long-running concern as to where that cash flow is going to go.The answer, according to a recent interview with Freeport-McMoRan's chief executive officer, is not to shareholders. Given the history not just of Freeport but the entire mining industry, that's a significant problem.InvestorPlace - Stock Market News, Stock Advice & Trading Tips The Case for Freeport-McMoRan StockFCX stock already has been a solid investment in the last few years. Shares bottomed in January 2016 below $4, as pressure on the company's since-divested oil and gas assets weighed on the stock. From that bottom, Freeport-McMoRan stock has more than tripled -- and there's a case for more upside ahead. * 20 Stocks to Buy From the Law of Accelerating Returns After all, production should increase nicely in the next two years. After its fourth-quarter report last month, Freeport guided for copper sales to reach 3.5 billion pounds in 2020, up from 3.3 billion in 2019. In 2021, however, the figure should spike to 4.3 billion, as the Grasberg mine in Indonesia, of which FCX owns 49%, returns to normalized output after a shift to underground mining.From there, copper prices need to cooperate, and that's always a risk. Copper prices are notoriously sensitive to the global economy; the commodity has been nicknamed "Dr. Copper" for its ability to provide a leading indicator of macroeconomic strength. A poorly-timed recession -- or even continued softness in key markets in Asia -- could pressure prices and thus Freeport's earnings and cash flow.But there's one potential long-term driver for copper demand: electric vehicles. EVs are "copper hogs," meaning growth from the likes of Tesla (NASDAQ:TSLA) can boost copper prices. and those prices drop almost straight to Freeport's bottom line. It's not as if shares are expensive even in the current moderate-price environment; should copper spike higher from here, Freeport stock likely does the same. Balance Sheet and Cash FlowFinally, Freeport's balance sheet is in much better shape. As noted, debt has come down dramatically in a matter of years. The company has over $5 billion in liquidity, and a higher stock price if it wants to make an acquisition. If Freeport doesn't make a deal, free cash flow should impress -- particularly if copper prices rise.Indeed, with its fourth-quarter presentation, Freeport-McMoRan modeled solid free cash flow in a higher-price environment. At $3 per pound, up from a current ~$2.60, operating cash flow in 2021-2022 would be in the range of $5 billion.Capital expenditures currently estimated at $2.4 billion for 2021 suggest free cash flow around $2.6 billion. Put even a 10x multiple on that figure and FCX gains over 50%; increase the multiple, and the upside could be even higher. Where Does the Cash Go?To be sure, that paper case does require some help from copper prices. Models for 2021-2022 at $2.75 a pound suggest free cash flow under $2 billion. A market capitalization currently near $19 billion thus likely doesn't see that much upside without pricing help. But investors in mining stocks are looking for leveraged returns on gains the underlying commodity -- and on paper FCX stock is set up to provide precisely those returns if copper gains.But that gets to the practical problem, and the interview CEO Richard Adkerson gave to Reuters at the end of last month. Adkerson noted the potential for higher cash flow and a higher stock price which would allow the company to make acquisitions."I'm looking forward to having a new experience in my career toward accessing alternatives and deciding which way we go…We don't have a clear directive now on what that direction could be, but we will be attractively situated and will have an opportunity to add value through investments," he told Reuters.Those investments could include not just acquisitions but the construction of new mines.In other words, the incremental free cash flow Freeport-McMoRan hopes to drive isn't going back to shareholders. It's going back into the business under Adkerson's direction. And that should worry, if not terrify, FCX shareholders. Adkerson's HistoryAdkerson was named CEO on Dec. 10, 2003. Under his watch, Freeport-McMoRan stock has declined by 42%.There isn't an external reason for the pressure. Copper prices, according to data from YCharts, have increased 174% over that span. Meanwhile, diversified miner BHP Group (NYSE:BHP), which has significant copper holdings, has seen its stock more than triple. Including dividends, BHP has posted a total return of more than 450%. For Freeport-McMoRan stock, total returns remain modestly negative.One big reason for the decline was the aforementioned move into oil and gas, spearheaded by Adkerson. Freeport-McMoRan spent $20 billion on two acquisitions in 2012 at the height of the oil boom. The moves were instantly criticized by Wall Street and by investors; Freeport stock dropped 16% in a single day on the announcement. Allegations of self-dealing soon followed.Less than four years later, Freeport managed to get less than $4 billion for its assets at the nadir of the oil bust. Over $16 billion in shareholder value was destroyed.An investor might believe -- or want to believe -- that Adkerson and the Freeport board have learned their lesson from the disastrous acquisitions. There's no evidence they have.The Freeport-McMoRan dividend was slashed in 2014; the board hasn't hiked the payout since despite a paltry 1.6% yield and the expected growth in free cash flow. Adkerson, at least per his interview, is looking to spend more shareholder money after the company spent the last four years recovering from its foray into oil and gas.There are thus two scenarios here. Copper prices fall or stay roughly flat, and Freeport-McMoRan stock likely does the same. Or copper prices rise, giving Adkerson free reign to go and spend billions of dollars more of shareholder funds. Neither sounds particularly attractive. The Mining ProblemTo be somewhat fair, this is not a Freeport-only problem. As I detailed back in 2018, gold miners like Barrick Gold (NYSE:GOLD) have done a disastrous job of fulfilling their mission of providing leverage to the gold price. Barrick, Kinross Gold (NYSE:KGC) and AngloGold Ashanti (NYSE:AU) all saw their shares fall by over 60% even in a rising-price environment.Recent performance for mining stocks has been better, but it's still not as good as it should be in theory. Even the gains in Freeport stock over the last few years are more a case of the stock rallying sharply from 2016 lows than any real improvement on the ground. FCX stock actually is down 20% over the past three years despite basically flat copper prices. The Bottom Line on Freeport-McMoRan StockWhat makes a stock like FCX particularly problematic is that the exchange-traded fund revolution has created far better alternatives. An investor who is bullish on copper can simply buy copper through an ETF. She can lever up that bet through the use of margin or a 2x or 3x ETF. Those trades have risk if copper prices decline of course; so does FCX.But if copper prices rise, that investor doesn't have to let Adkerson determine what to do with her gains. ETFs do have fees, but they're generally minimal; meanwhile, Adkerson's pay packages from 2016 to 2018 alone totaled over $50 million, according to Freeport's most recent proxy statement.If Freeport-McMoRan and Adkerson truly had learned their lesson and were looking to use potentially higher cash flow for increased shareholder returns, that would be one thing. Clearly, they're not. History, and the -42% returns under Adkerson's 16-year tenure, both suggest that it is a real problem for Freeport-McMoRan stock.As of this writing, Vince Martin has no positions in any securities mentioned. More From InvestorPlace * 2 Toxic Pot Stocks You Should Avoid * 20 Stocks to Buy From the Law of Accelerating Returns * 10 Strong Lottery Ticket Stocks That Could Soar in 2020 * 7 U.S. Stocks to Buy on Coronavirus Weakness The post The Interview That Should Terrify Owners of Freeport-McMoRan Stock appeared first on InvestorPlace.

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#World news

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729renegades · 5 years

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THINK BIG, START SMALL, STAY FLEXIBLE

To eliminate any preconceptions, let me define ‘budget’ for the purpose of this article. A budget is a manifestation of a unique business model created by the business owner and expresses his or her values and aspirations. It’s a detailed plan of how you’ll spend and earn money over the next year.

I spent time last week with a venture capitalist on two funding renewals. Her due diligence requirements include a 12-month budget. She offered the following insight, “I always look to see who’s using their budget to tick the box and who’s using it to run the business.” Let’s take a look at what she means.

There are three ways to define future financial numbers: projections, budgets, and forecasts. I recommend thinking of projections as long-term numbers. They’ll tell the business owner where the company’s financial and operational numbers will be in one, three, and five years’ time. In a similar way, a budget will tell you your short-term numbers, most likely over the next twelve months. Finally, there are forecasts, which are real time adjustments made to the budget during the year to sharpen year-end numbers. These changes are usually made on a quarterly basis and reflect how actual quarterly numbers differ from budgeted ones.

Projections or Longer-Term Numbers

There are three main reasons to create projections. Firstly, they are needed to know the business’ financing needs 6-18 months ahead of time. Secondly, projections are used to value companies. They are also a tool to set goals and expectations: goals for the management team and staff, and expectations for the board and outside investors.

Early stage businesses search for the right business model. They operate in cash mode 24/7 and test hypotheses for product/market fit in real time. At this stage, the entrepreneur’s role is to innovate; the customer’s role is to validate. With all this uncertainty, it seems implausible to create three or five year projections.

Despite this tension, the business owner must be able to envision future growth, competition, and the long-term profits of the business.

She must keep in mind three fundamentals when projecting her numbers. They should be driven by scenario analysis, realistic assumptions, and a clear understanding of the main drivers of the business, namely the key performance indicators.

Scenario Analysis

There are many external factors beyond the control of the business owner, such as competitors releasing a disruptive technology, or key customers unexpectedly going out of business. To avoid being blindsided to potential risks and opportunities, it’s important to envision different scenarios when modelling. The most frequently used scenarios are: best case, most likely or ‘base’ case, and worst case. There is, however, no preset number of scenarios you can use.

When performing scenario analysis, make sure there are 3 types of people in the room. The optimist will imagine the future where every opportunity works out. The pessimist will ask: “What if we’re unable to hire that person?” or “What if there’s an unforeseen delay in launching the product?”. Finally, the realist compares similar businesses to yours and looks at history to see what their path turned out to be. Each person will force you to start over in your assumptions and numbers until, several iterations later, you’ll have a workable plan.

Assumptions

The essence of business forecasting is to predict future cash flows based on realistic assumptions and assigning probabilities to each of them. Learning occurs as you follow each potential path and evaluate each potential outcome.

Always start with your assumptions and clearly document them. A big mistake is to focus first on the outcomes you would like to see. Examine where the numbers come from,their roots, before prematurely congratulating yourself on the outcomes.

Billionaire Vinod Khosla, CEO of Khosla Ventures, and ex-founder of Sun Microsystems provides this warning to entrepreneurs: “The more success you’ve had in the past, the less you challenge your own assumptions in a new venture. The more credentials someone has, the more assumptions he or she makes.”

Get as much feedback as you can around your assumptions. If you have them, ask your investors and board to review them. If you’re a solo-entrepreneur, ask mentors and peers whose wisdom you respect.

Budgets or Short-Term Numbers

In my experience, these are the four budgeting errors to avoid:

1. The business owner is lazy and uses someone else’s budget template. Budgeting is more art than science. You must design your own budget.

2. Never use blanket percentages in your profit and loss statement to project forward 12 months. The lazy business owner will increase revenues by 40%, expenses by 20%, and expect net profit to increase 20%. Instead, frame your budget around the key milestones to hit, the different products you’re selling, or your customer markets.

3. A budget that has been created as outlined in mistake #2 above will invariably show a % cushion incorporated into each important number. I’ve also seen a separate line item at the bottom of the budget that’s called ‘cushion’ and is a plug number to make the numbers more conservative. Both methods constitute poor modelling. Instead, as mentioned previously, each number should be chosen conservatively based upon assumptions and KPIs.

4. The lazy business owner waits until the end of December, or dare I say February, to start creating the budget and ends up stitching together a rushed and feeble plan. Every successful business owner should set at the beginning of each year a financial calendar for the company. Nestled into it is a budgeting timeline that differs for the size of your business.

The business owner who is guilty of making these mistakes has ‘ticked the box’, in the words of the venture capitalist at the start of the article. Although he has a budget to submit, it fails to be an effective tool with which to run the company for the next 12 months.

Budgeting in An Early Stage Business

The budgeting process differs depending on the stage of your company. We will apply the concepts discussed earlier in this article to an early stage growth business, which I define as employing between 1 and 10 staff. In my next article I’ll discuss what projecting and budgeting looks like for companies with 10-100 employees and beyond.

At this early stage of growth, it’s tempting to start with the budget and neglect establishing long term projections due to uncertainty around your business model. Delaying, however, would be a mistake. Budgeting is a refinement of the projections. Always do your projections before budgeting.

The budgeting process launches annually in October or November with final approval in December by your board or your team. Two people can do your budget, likely the collaboration between the business owner and a finance savvy person.

It’s clearly a budget. It’s got a lot of numbers in it – George W. Bush

Start with the structure of a 3-year financial model. Lock down key business or performance metrics for the next 12 months and commence creating your assumptions. In the act of planning the business owner identifies her risks and builds contingencies against them.

It’s especially important to project conservatively in an early stage business. Revenue lines and drivers change often as you continue to mould and develop your business model. One key goal of the revenue section is to show product market fit, indicated by total revenue.

Your focus with expenses is on hiring and people costs. The business owner wants to determine the number of staff she is able to hire, and at what salary level, in each month over the next 12 months. There will be a cash burn analysis at the bottom of your budget to help with this analysis.

This is your monthly liquidity analysis; it tells you how much cash you have left each month to invest in your business. It will also tell you in what month you’ll run out of cash if you continue to follow your plan. Please refer to ‘The Numbers Game’ article in October 2015 where I explain this topic in detail.

Once approved by the board, share your budget with the entire team. I recommend only showing and providing the rationale behind the major line items. It’s important that your team understands the reasoning behind your numbers, but the

details can be distracting to them. Ensure that the monthly cash flow projections are removed. There is no benefit to alarm your team if you will be running low in cash in the future. The budget must make sense to your staff internally

and to your board of directors externally.

We’re in a bull cycle where growing as fast as possible is desired and even encouraged. In fact, last year, Reid Hoffman, the co-founder of LinkedIn, designed and taught a class at Stanford Business School called “Blitz-scaling”.

However, Vinod Khosla provides a strong warning against scaling without having appropriate product/market fit and an established business model. He says: “The more money you raise and the more people you hire, the more difficult it is to

execute on your plan. And that can lead to disaster. It’s much easier to discover your plan when you have less people, and less money. The plan is never complete until the business model is set and that could be a long way down the road. Use

your budget early on to establish your business model, not to figure out how to grow at the highest rate possible.

Forecasting or Real Time Numbers

Successfully implementing a budget is a continuous iterative process, especially during the early years.

Each month report actual numbers vs budgeted numbers and track how you’re doing. Keep an account of lessons learned, unexpected outcomes, difficulties encountered, and changes in future plans. This will be presented at board meetings and used for strategic planning.

If the budget is relatively close to the actual numbers being recorded, then you’re running according to your plan and no adjustments are needed.

However, if there are large discrepancies, new forecasts must be made during the year in order to come up with more accurate year-end numbers. In this case, the budget is not thrown out, but comparisons are now made between actual numbers and the original budget, and actual numbers and the new real-time forecasts.

Having an inaccurate budget should only be viewed as temporary defeat. It means your plan doesn’t work. Many business owners fall into the trap of lowering their year-end numbers. Instead pivot and create a new plan. Repeat this process until you find one that works.

As the business progresses, your assumptions will start to become fact and you will gain greater clarity into your business model. Then, creating a budget moves beyond a boring requirement into the astute entrepreneur’s toolbox for a smarter business.

from Blog | 729renegades http://bit.ly/2w6wPSn

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levyheritageagla998-blog · 5 years

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Levy Heritage: 11 Thing You're Forgetting to Do

Property Investments Abroad

One element of building investing which frequently obtains neglected is a financial investment building's cash flow. We implement both value-add as well as income-focused investment approaches across all major building fields in Sweden, Finland, Denmark and also Norway. With our value-add funds, we seek to get http://query.nytimes.com/search/sitesearch/?action=click&contentCollection&region=TopBar&WT.nav=searchWidget&module=SearchSubmit&pgtype=Homepage#/real estate transitional buildings in the most liquid Nordic markets where a possession can be boosted https://www.levyheritage.com/he/ by active asset administration such as redevelopment, adjustment of usage, or repositioning. With our income-focused funds and requireds, we seek well-located, top quality financial Additional reading investments that generate eye-catching risk-adjusted returns for our capitalists across market cycles.

By leveraging the purchase of a financial investment home, the needed regular settlements to service the debt create a continuous (as well as sometimes huge) adverse money circulation starting from the time of acquisition. This is in some cases described as the carry price or "carry" of the investment. To be effective, investor need to manage their capital to produce adequate positive revenue from the residential property to at the very least counter the bring expenses.

Financiers typically use cap rate to compare residential or commercial properties, in addition to likewise utilizing cash-on-cash returns, similar building prices as well as ROI. Conversely, financiers use ROI to assess both lasting investment buildings as well as fix-and-flip properties The ROI is the general rate of return on a property consisting of financial obligation as well as money spent. ROI does take the financial obligation on the building right into consideration.

A realty investment trust (REIT) is a business that makes financial debt or equity financial investments in commercial property. Generally, REITs offer a profile of real estate to capitalists. Investors get shares of the company and also gain earnings from its financial obligation and also equity investments in the type of returns. Similar to a mutual fund, REITs were produced as a means to provide regular investors public accessibility to realty financial investments. By law, a REIT must make a minimum of 75% of its gross income from real estate as well as spend a minimum of 75% of its assets in real estate. Furthermore, it has to disperse a minimum of 90% of its taxable income to shareholders yearly.

Tax obligations issue, however the bottom line is that the Internal Revenue Service will not strain you on cash you don't make; modifications in tax obligation legislation will certainly for the most part just alter just how much of your earnings is secured from taxation. Except on the margins they don't effect analysis of little scale real estate investments. Realty uses you more means to stay clear of taxes than various http://cbonds.com/organisations/emitent/77761 other type of investing, unless you're a hedge fund manager making use of http://www.hoovers.com/company-information/cs/company-profile.levy_heritage_ag.384d1b6625facd32.html brought rate of interest.

To day, YieldStreet has actually seen greater than $600 million spent for its system from more than 100,000 members, with an expected 12 percent IRR as well as greater than $300 million in major and interest settlements made to its financiers. Already an individual had to be a certified capitalist to take advantage of this. That was already a development on those financial investments being limited just to organizations, but it is still a relatively tiny pool of customers. In the UNITED STATE, where YieldStreet operates, being a recognized investor has a details set of standards that includes individuals having a net worth of a minimum of $1 million or with annual income of $200,000 or even more.

Eldad Peri is the creator and also proprietor of the Eldad Peri Team. He started his occupation with a law practice in 2004, and after gathering proficiency in realty, he expanded his business to new areas of activity, and now completely possesses the Eldad Peri Group as well as its subsidiaries, from the areas of legislation, property and entrepreneurship. Eldad Peri has an attorney certificate in Israel.

Formerly, Moira worked on the Investments group at the CIM Group where she serviced the procurement, funding, growth, lease-up, and also disposition of property properties throughout the United States. Moira began her occupation in financial investment administration at Pacific Alternative Property Monitoring Company ( PAAMCO), where she focused on the implementation of different financial investment techniques for institutional financiers.

Of course, the top quality of an investment group depends entirely on the business supplying it. In theory it is a secure method to get into real estate financial investment, yet realty financial investment teams are susceptible to the exact same costs that haunt the mutual fund market. More important, they are often private financial investments where deceitful monitoring teams take investors for a trip and leave them with only lawful process to look forward to. To avoid undesirable shocks, it is vital to do your research on the company and also conduct a comprehensive testimonial of the information in the investment offering.

Buying realty gives you flexibility. You can invest in realty, accumulate your portfolio gradually, as well as utilize your rental earnings or fix-and-flip revenues as your major income source. You can handle your residential properties and also tasks around your schedule and also work for on your own. This supplies you the adaptability of setting your own timetable. Purchasing property does not have a wage cap, so your earning possibility can be endless.

This is what inspires both realty flippers and also proprietors. They can take out a second mortgage on their residences and put down repayments on two or three various other residential properties. Whether they rent these out to make sure that revenue from tenants pays the mortgage or await a Discover more possibility to sell for a revenue, they control these possessions, regardless of having just laid a tiny component of the complete worth.

The residential or commercial property supervisor will certainly also help you locate the appropriate lessee, conduct referral checks and also make sure they pay their lease on time. It is important also that you don't conflict excessive with tenants due to the fact that there are legislations that provide legal rights, so always attempt to appreciate them. You ought to nonetheless make normal independent examinations of your residential property to make sure that the occupant is looking after your financial investment but always go through your agent and offer lots of notice.

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torrancehomes1 · 5 years

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South Bay Homes:Sam Xavier the interview.

South Bay Homes:Sam Xavier the interview.:

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Un edited auto Transcript:

well welcome to amazing South Bay homes