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Matt McKeever, BRRRR Investing

https://www.jayconner.com/matt-mckeever-brrrr-investing/ Matt McKeever is a CPA & Real Estate Investor. He implements the BRRRR investing strategy in London Ontario. https://www.youtube.com/c/MattMcKeever/ You'll learn how to analyze multifamily properties and how to maximize your return on investment through strategic renovations that will allow you to increase rents, your equity and your cashflow!

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Jay Conner (00:10): Well, hello there and welcome to another episode of real estate investing with Jay Conner. I'm Jay Conner, your host, and also known as the Private Money Authority. If you're brand new here to listening on iTunes or Google play, or you may be watching and listening to the live stream right now on one of our YouTube channels or Facebook and you're new to Real Estate Investing with Jay Conner show. We talk about all things, real estate, how to find deals, how to get them funded, how to sell them fast, how to automate your business. So you're actually running your business and it's not running you. And since we launched the show back in June of 2018, I've had some very, very amazing guests here on the show with me, and today's no different, but before I bring my guest on, I want to let you know about what one big thing that we do here on the show. And that's talking about funding for your deals.

Jay Conner (01:04): Well, the short version of my story is, my wife, Carol Joy and I started investing in single family houses here in Eastern North Carolina, back in 2003. And the first six years that we were doing business, I relied on the local banks and mortgage companies. But in January of 2009, I was cut off from a funding, but no notice like the rest of the world. And so I was introduced to this wonderful world of private money. How to get funding for your deals that has nothing to do with your credit. Nothing to do with your verification of income. Nothing to do with your experience and how you can actually set your own rules to get funding for your real estate deals. So I've been using private money for funding ever since 2009. We've got 49 private lenders right now, funding our deals.

Jay Conner (01:55): And if you would like to learn as well about how you can get funding for your deals, the same way I do without relying on banks, then I've got a free online class for you to check out after the show. You go over after the show to www.JayConner.com/MoneyPodcast. That's JayConner.com/MoneyPodcast. There, I will teach you and reveal the five easy steps as to how you can quickly have zero funding for your deals, and very quickly having the hundreds of thousands and millions of dollars in funding.

Jay Conner (02:37): So with that, I'm just so excited to introduce to you my guest today. My guest is a CPA and a real estate investor. You don't find too many of those combinations inside the same head. So anyway, he implements this thing called the BRRRR investing strategy. And we're going to dive on that and find out what in the world that strategy is. So he primarily focuses on small apartments and commercial deals. Now he has got a very, very popular YouTube channel. That right now has over 60,000 subscribers. And we're going to tell you here in a moment, how to get over that YouTube channel and you can check him out, but on his YouTube channel, he teaches you how to analyze multifamily properties and how to maximize your return on investment through strategic innovations and renovations. That will show, that will allow you to increase your rents, increase your equity and how to increase very quickly your cash flow and these properties. And own this same YouTube channel, you'll find videos where he's teaching this ranging from renovating properties, duplexes, triplexes of all sizes, as well as dealing with student rentals his best practices for buying properties, how to manage your tenants and your portfolio of properties.

Jay Conner (04:02): So he's also going to show you on his YouTube channel, how he structures joint venture deals. How he gets funding for his deals. How he negotiates with banks, refinances properties, and of course, much more. So be sure to subscribe to his channel when we tell you about it here in a moment, and you'll be able to follow him in his pursuit of financial independence and how you can get it also as well. With that, I'm so excited to bring onto the show right now, Mr. Matt McKeever. Hello, Matt! And welcome to the show, my friend.

Matt McKeever (04:35): Thanks, Jay. Appreciate the warm introduction.

Jay Conner (04:38): Absolutely! Glad to hear you. So, you're up in Canada. Well, whereabouts in Canada?

Matt McKeever (04:43): So located London, Ontario, about two hours from Toronto, which is our big city here in Canada.

Jay Conner (04:49): I got you. Now is all of your investing these days taking place in Canada?

Matt McKeever (04:54): Yep. So right now my portfolio is exclusively in Southwestern Ontario. So within right now, actually it's pretty much all clustered in London, Ontario, which is a market with a 500,000 Metro population area. Just to kind of give you guys a rough idea. Median house price is around 350 to 400.

Jay Conner (05:14): So with everything that we're going to be talking about here on the show today, and also on your YouTube channel, do all or most of the strategies apply to doing this type of business the way you do it in the United States?

Matt McKeever (05:29): Yeah, absolutely. So if anything, the United States has maybe more friendly investor regulations in most States. So everything we do here in Canada can absolutely be replicated in the States. And in fact, sometimes it's easier because you guys have nifty little tricks, like the 10 31 exchange, which is completely nonexistent here in Canada.

Jay Conner (05:50): I got you! And that comes into play more often in the world of commercial than it does in single family homes. Right?

Matt McKeever (05:58): Absolutely! So here in Canada, unfortunately we don't have that 10 31 exchange. We can find a handful of other innovative ways to try and, you know, help us speed up the velocity of our money. But really for myself, when I first joined like a lot of investors, my biggest thing was either limited amounts of resources, right? The limited amount of my own money. And like a lot of people I had discovered private money like yourself. So we're constantly focused on how can I stretch the little bit of money I have to control the most amount of real estate as possible. And that's what really led me into that BRRRR investment strategy, where you buy a property, renovate it, you know, fix it up, bring it up to its highest, best most efficient use, then rerent it out at a higher amount, then go back to your lender and refinance and pull out the money. And I started originally doing that on small single family homes and small multi-families. And now I've just graduated to doing the exact same business model, but just with small apartment buildings, rather than like a triplex or a fourplex,

Jay Conner (06:56): I got you. Well, just in case some people aren't able to stay to the end of the show. Let's go ahead and let everybody know right now how they can find your YouTube channel. That's got all the trainings on it and et cetera, where can they go for that?

Matt McKeever (07:09): Yeah. So if you hit me up on YouTube, it's just Matt McKeever. That's M C K E E V E R. And anywhere social media, you'll find me on those platforms. So if you're not on YouTube, I'm everywhere else as well.

Jay Conner (07:24): Well, what I want us to talk about. Well, thank you for sharing that, Matt. What I want us to talk about today here on the show are really three topics. First I want to hear about your personal journey in real estate. Secondly, I want to, I want you to talk about the power of social media and how you use social media to leverage success in your business. And then thirdly, you got an interesting concept that you talk about. You don't talk that much about ROI, Return On Investment or Return On Cash. You talk about this thing talking to call return on time. So those are the three topics let's start with your personal journey, Matt, and your story.

Matt McKeever (08:03): Absolutely. So like a lot of real estate investors you know, my gateway into real estate investing the gateway drug, as I like to say it, Rich Dad, Poor Dad. That's what really started my entire journey. And in my fourth year at university, you know, I was going through for business. I was going to get my CPA license and really the reason I wanted to get into business or become an entrepreneur was to, you know, get rich. Like a lot of people. But I didn't really know what get rich meant and had no idea how to actually achieve it. And so I was speaking with one of my roommates at the time we lived in a six bedroom student rental house and I was like, Jake, your dad's rich. He owns like a big company with hundreds of employees. I was like, go ask him how we get rich.

Matt McKeever (08:49): Cause we both know we want to get rich, but we have no idea. And he actually gave us the book, Rich Dad Poor Dad. And ever since reading that book in the back of it and a list of other books to go read, I went and read every book from that as well. And just really got addicted to this idea of real estate investing and being able to build up a, you know, passive cash flowing investment portfolio. I didn't end up jumping into real estate until age 25. So from kind of 2021 discovering real estate to 25 and actually executing that I was just consuming information, trying to save up money. But also I was trying to get outside my comfort zone because all my friends and family thought I was crazy for wanting to get into real estate investing when I was already on, you know, the corporate path to that white collar job with the corner office.

Matt McKeever (09:37): At the age of 25 is when I bought my first rental property. And on my 25th birthday, I ended up making a commitment to myself. So I downloaded an app on my phone that would count down the days to my 35th birthday. And I decided to make a commitment that I would retire by the age of 35 because of real estate investing. And so I was the guy at different parties or networking events, people would say, Hey, Matt, what's new with you? What's up? I'd pull out the phone and be like, Oh 2,465 days until my 35th birthday. When I get to retire. Long story short, kept buying real estate, kept in asking them that. And instead of having to wait 10 years, I actually retired from being a CPA, a chartered accountant at the age of 31 and just went all in to real estate investing at that point.

Matt McKeever (10:22): And then from that I found like a lot of people, once I left the corporate 9-5 behind, my success in real estate actually really started hockey sticking because I had all this extra time and energy now to deploy into my real estate investing business. And in that first year of quitting my day job, I think I acquired 32 additional units that year. And then continued just to, you know, focus on different unique investment opportunities, started teaching other people about real estate investing as well. Because when I quit my day job at 31, I found it's kind of lonely. There's not a lot of other 31 year old retirees out there. And so I didn't really have a peer group to hang out with. So I decided to start writing these really long emails to my friends, you know, like 5,000 word emails, trying to explain to them how they could quit their day job in five years, if they would just invest in real estate like I did.

Matt McKeever (11:15): And I'm sure as you can imagine, your audience can imagine. No one responded to those 5,000 word emails because that's a small novella. Thankfully at the time I happened to be reading a book and the books that speak to your audience in the language they wish to be spoken to. And immediately clicked for me, the reason that I love real estate and the reason so many people are drawn to real estate investing is because it's such a tactical, you know, real investment, right? Like it's a physical thing. Unlike say paper stock or paper assets. So immediately started documenting on my YouTube channel, just how I was going about investing in real estate. So if you go back to like my very first video, you can see, I was still swinging a hammer. Like I was still sweating up in the attics, re-insulating, running duct work, stuff like that.

Matt McKeever (12:01): So really have been exposed to almost every aspect of the real estate investing journey. But at this point now what the day to day looks like is I've got a wholesaling business with five full time employees just wholesaling real estate. I've got a company that just BRRRRs apartment building. So in the last eight months or so we've acquired about 70 units in that entity and have just been BRRRRing those apartments and then also have my education and just networking, which is, you know, my YouTube channel, social media presence and a couple other little education companies. So definitely just, you know, constantly trying to level up and surround myself with like minded individuals when it comes to real estate.

Jay Conner (12:43): Now you just said, that particular entity you've been BRRRRing properties. First of all, how do you spell that? Secondly, what does it mean?

Matt McKeever (12:53): Absolutely. So B R R R R. And so it stands for Buy, Renovate, Rent, Refinance, and Repeat. And so really what that looks like is simply finding, to me the best way to explain it is you're just looking for under utilized assets and you're going to try and bring them up to their highest, best, most efficient use. So oftentimes what that looks like for me these days is we're buying an apartment building here in Ontario that maybe is being rented out for 50% of fair market value. And the landlords owned it for 10, 20 years. There's not a lot of equity and they're no longer motivated to operate it at a hundred percent efficiency or anywhere close to it. They're often approaching retirement age. So we go in there, buy the property. Then we implement strategic renovations, which again, unlike, you know, on HGTV, a lot of my YouTube fans would love to see me blowing out walls, you know, doing open concept this, that, and the other, but most of my renovations are really boring.

Matt McKeever (13:52): It's like, let's clean out all the junk. Let's paint the property. And maybe we'll put a new kitchen and bathroom tops. And so really we're just focused on what creates the highest return on investment from those dollars we're investing into the property. So in my market here in London, Ontario, specifically usually adding dishwasher to a kitchen that can increase not only the rent we can charge every month, but also in general increases the quality of tenant that we're going to be drawing from as well as say, adding laundry. If you can put in suit laundry, oftentimes in my market, I can charge between a $100 and $150 more per month in rent. And yet the cost of actually, you know, installing that laundry, depending upon the layout of the unit might be $2,500. So a very fast payback period in regards to when we can earn back that initial investment. But because we've increased the rent amounts.

Matt McKeever (14:44): Now the actual capitalization rates of the property, you know, is going to revalue the property at a higher amount as well, if we the same cap rate. So again, what I'm really focused on is just taking underutilized assets, bringing them them up to their highest, best, most efficient use. Then re-renting them out for top dollar. And once we've re-rented it out for top dollar, you know, our income statement looks a lot more attractive, which means the lender and the appraiser is going to reappraise the property and refinance the property a much higher value. And ideally with our business model, if you're doing it right, once you're done this BRRRR and with the larger apartment buildings, it's usually taken us about 18 months to do it from start to finish. What you're going to end up doing is being able to extract all the initial capital you invested in. So the idea here is, you know, if I can refinance at a 75% loan to value, I maybe buy the property for, let's say a million dollars, put 500,000 renovations, but then get it to reappraise at 2 million. Well at a 75% loan to value, I actually will get $1.5 million in new financing, right from the property, which means I can pay off the entire acquisition costs. So that's really the base model here is to implement what we call a perfect BRRRR.

Jay Conner (15:58): I love it! I never heard of the BRRRR strategy. I love it! Now, one thing you were just talking about was buying the properties. That's the first letter in the BRRRR strategy. So here in the US there's a popular website called LoopNet. What are, what are some of your favorite strategies these days for locating these under you know, these underperforming assets?

Matt McKeever (16:26): Yeah, so there's a lot of different strategies. One thing that is very different about the U S market and the Canadian market is, in the U S market, you guys have the freedom of information act. Here in Canada, we've got the protection information. It's so like, it's literally the exact opposite. So you guys are all about free information. We're all about keeping it all secluded and hidden and private. So honestly my best way is like personal networking. So I'm happy to share some tips here, but it's something that doesn't seem to resonate with a lot of people my age or my generation, which actually makes for a great opportunity for anyone that's willing to actually just build relationships, build rapport. And so, like, we actually target a certain type of realtor even to network with. Like the realtor I want to network with is he's like, realistically, they're above the age of 55.

Matt McKeever (17:21): They've been in business for at least 15 years. And what we're doing is we're approaching those realtors and being like, Hey, who have you sold the property to? Like a large apartment building to 10 years or longer ago? They're sitting on a ton of equity. I want to go make them an offer and make them a ton of money and make that offer through you and have you make commission off of it. So we're very focused on trying to structure win-win opportunities when possible, and make sure that everyone eats because we find when make sure that everyone else profits from a deal we'd done, they get addicted to that cycle and they want to get us more deals. But again, we're very boots on the ground and often focused on doing things that our competition won't do. So everyone loves the idea of hiring a VA out of the Philippines and hitting them, them hitting the phones for a thousand calls a day.

Matt McKeever (18:10): But what we'll do is I'll literally send one of my employees to stake out an apartment building, and they'll just park in front and literally talk to every person going in that building, being like, who's the owner? Can I get the owner's phone number? And we find that usually, you know, we ask enough, we will get that owner's phone number. And a lot of the apartment buildings I buy are literally through that process of, originally it was myself or a business partner just taking it out. Now we have employees taking out the apartment buildings, but we found that that's the best way to really get deals. Because if an owner has already thought about selling the property, contacted a realtor and listed on the market, they're now focused on just getting top dollar. And if they're solely focused on getting top dollar, that's fine for them, but it's usually not going to work for me and my business model. So we're often focused on not finding sellers, but actually creating sellers by making what we call blind offers. I don't even really know what their motivations are, but I know that they've owned it for so long that they're probably sitting on massive amounts of equity. And so I'm hoping that I can present them with a unique offer that they haven't even really considered. And, you know, then we can get that conversation rolling.

Jay Conner (19:17): So do you have your people stake out properties that looks just on the outside like it could use, you know some rehab and renovations and really be brought up to increase, you know, rents or whatever, or do you approach it differently? By again, looking for someone that probably has owned this property for a long time or which comes first? They've owned it for a long time or it looks like it could use some renovations or both?

Matt McKeever (19:47): Yeah, we're definitely open to either. In general, the way we're usually going to like again, because we don't have like easy databases of information. It can be very cumbersome to really figure out who's owned what property for how long on a grand scale. I can definitely look it up individually, but there's no way for me to like print off, you know, a giant data set. So in general, we're more focused on the building first and then doing our research afterwards. So literally what I'll do, and again, nothing fancy here, but I'll go to my local cities, zoning map, look at the zoning, look for a high density residential. And then I'll go on Google satellite and look just from the satellite view and find apartments, buildings, right? Identify the apartment buildings. Then literally go on Google street view. Sometimes on Google street view, you can see the property manager sign on the building.

Matt McKeever (20:40): So we'll immediately just call the property management firm then. If we can't find that, that's when I'm probably going to send someone to stake out the building. Get in contact with the tenants and find out who manages it and how. But at the same time, we've got a lot of other strategies. So here in Canada, Kijiji is really popular in the States. I think it's more often Craigslist is the, you know, the online classifieds the people are going to use. But I also love going on Kijiji, looking through the for rent ads. And you just look for the landlords that are beaten down and they're just sick of it, right? So like there's no good photos taken. And sometimes I don't know what it's like in the States, but in Canada you can read it like, the landlord will write all in caps, like no debt deeds. And that's like the title of their Ad. And like, this guy doesn't want to be a landlord anymore. This guy wants to sell to me, even if he doesn't know it yet.

Jay Conner (21:31): I love it! When you said a moment ago, something really, really important to your, the success of your business is networking and relationships. Well, that ties right into how you're able to leverage social media. So would you share with my audience here strategies and tips that you're doing these days to leverage social media and to really how you harness the power of it?

Matt McKeever (21:57): Yeah. And so the first thing I think that we need to really discuss is why even care about social media, right? And I find a lot of investors think that it's simply a distraction. And if you use it as a distraction, it absolutely is if you use it as a business tool, it absolutely is. So you're right. Either way, it really just comes down to how you use it. But for me, what's really powerful about social media is having that one to many conversation before the advent of social media and online networking and things of that nature. Realistically, the only one to many conversation we could have as real estate investors is going out to your local real estate investment group. Right. And you could maybe go, and if you were lucky, you could get up on stage and maybe talk for half an hour, give a little presentation or breakdown about what you're doing.

Matt McKeever (22:44): And that group maybe met once a month. So maybe once a year, you could get in their lineup, get up on stage and talk, or you had to become the host of the meet-up group in order to have that one to many conversation on a reoccurring basis. Whereas on my YouTube channel. And again, like my YouTube channel, isn't massive by YouTube standards, but it's important for what I'm focused on. And what I'm focused on is really talking to my core audience, which is Canadian real estate investors, and then just real estate investors in general. And so even with just like 60,000 subs on my YouTube channel, any given day, I'm averaging 4,000 to 5,000 views on my YouTube channel. The average view on my YouTube channel is about seven minutes long. So I view that as myself being able to have, you know, 4,000 to 5,000 conversations that are seven minutes long, every single day.

Matt McKeever (23:33): Well, that's more minutes than there already is available on the day. So right away that one to many conversations, extremely powerful. But even more so as real estate investors, it's not like we necessarily have to go, you don't need millions of followers or millions of views in order to have a very effective business model. You really just need, like for a lot of real estate investors, their business would be changed if they had five good private money partners, right? Or five private money lenders. And you can really build up a relationship with those people through social media. So a lot of people, they decide that they want to lend their money to me before I ever even make an ask. And that's simply because they're able to watch and see my projects. They get to see me interact on interviews or go live on Instagram or Facebook and just have conversations.

Matt McKeever (24:20): And they get to build a personal relationship with you. And something that we all need to remind ourselves as people like doing business with people they like. And so if you're not putting yourself out there on social media, if you're not trying to present, you know, your story, your image, your business model, you're not giving anyone even the chance to fall in love with you and your story and want to invest in you or your business. So for me, there's just so much power when it comes to social media, but I know I've just been kind of talking high level. So specifics. If any of your listeners here are brand new to social media, they're intimidated by the idea. They don't have a lot of time to invest into social media, pick one platform and spend at least 80% of your social media efforts on that one platform.

Matt McKeever (25:03): Now, if you're a small investor and you're looking just to get a couple money partners or finding say two or three money partners with six figures or more to invest would be a game changer. I personally would focus on LinkedIn and I would literally just write one or two blog posts a week about my business model. Understand that's never going to go viral. You'll probably be lucky to get more than a couple of dozen views, but that's all it takes. All you really want to do is really cultivate a strong relationship with a handful of money lenders. Now, for myself, there's value in the education and email list and all that stuff. But for a lot of beginner, real estate investors, you don't need that. You just need to build a handful of relationships and still social media is going to be a faster means to that end. Than going out to your local real estate investing group.

Jay Conner (25:49): That's awesome! And then to wrap up Matt, I want us to hang out a few minutes on your view and your take on return on time versus return on instead of ROI, et cetera. So what's your take on return on time and why is that so important?

Matt McKeever (26:08): Yeah, it's something that I think a lot of investors are looted by at the start. And so in general, I kind of view this evolution of real estate investors and their sophistication based upon the metrics they talk about. So CPA by nature. So kind of a numbers nerd and, you know, a ratio nerd to begin with. But in general, when brand new people come to real estate investing, I find they talk about ROI, you know, return on investment. And they're really impressed by the return on investment real estate can generate. Then once they get a little bit more sophisticated, they really start appreciating and understanding leverage. And we hear them talking about things like cash on cash returns, and really then it's about the velocity of their money. Then as people continue to graduate and evolve as investors, maybe they start looking at larger multifamily properties.

Matt McKeever (26:55): At which point in time, they usually start talking about cap rates or IRR. The internal rate of return. And again, all of these metrics are useful, but at the end of the day, what really draws us to real estate investing in my opinion, is the ability to have a high return on time. And that's what I'm really focused on these days as an investor and I'd encourage anyone else that's in real estate investing to start viewing things through that lens. And so one of the best examples I can give is wholesaling real estate. Here in Canada, it's still a relatively new concept. It's maybe only five years old that people have really been doing it to any serious capacity. And so it's got a little bit of a negative stigma still here in Canada. However, if you look at what you can accomplish with say, wholesaling versus flipping a property, usually the return on time, even if the total profit is lower on that wholesale deal, let's say you can wholesale a deal for $10,000, or you could flip the same property and make $50,000.

Matt McKeever (27:52): Well, the bigger question to me is how long does it take to wholesale assign that piece of paper versus actually flipping it. Well for the average person here in Canada, assigning it, you're probably going to assign it in one to two weeks. So your return on time, let's say it took you even a month. Well, your return on time is $10,000 per month. Whereas if we're going to flip the property, well again, we have to tie up the property. We have to wait for it to close. Then we close on it. Then we have to do our renovations, fix it up. Then we have to put it up for sale. Then we have to sell it. Then we have to wait for it to close. Well, oftentimes even if you're going to make $50,000, that entire process from start to finish, it might be five or six months.

Matt McKeever (28:31): Well, at that point in time, you're looking at very similar return on time, but your perception of risk is higher as well because with the wholesale deal, we make the money before ever even closing on the deal. While we're flipping there's a speculative piece to it because we don't really know what's going to sell for, until it sells. So for myself and a lot of people that I'm trying to help level up as real estate investors these days. I really want them to focus on the highest return on time investments. And this is also really important because a lot of us, when we first get started as investors, a lot of us swing the hammers ourselves. We clean up the units ourselves. We paint the units ourselves. But oftentimes those are the lowest value skills, right? Like you could probably find someone to pay $10, $15, $20 an hour to clean up or paint the unit. Whereas you, as the investor would likely be better served going and finding the next deal or going and talking with your next private money partner. And really building those relationships and send yourself up to do more deals rather than trying to squeeze every deal for every penny. We're better off to go find more deals. So this idea of return on time is just really being cognizant and not getting distracted by one piece of the puzzle, but really looking at the puzzle as a whole, When it comes to our investing and investment strategies.

Jay Conner (29:46): Excellent! Thank you, Matt. Well, folks, go ahead and check out and subscribe to Matt's YouTube channel at YouTube/MattMcKeever and that's M A T T M C K E E V E R. Matt. Thank you so much for coming on the show today. I really enjoyed having you.

Matt McKeever (30:07): Thanks, Jay. Really appreciate it.

Jay Conner (30:09): Alright! There you have it folks. Another show. I'm Jay Conner, The Private Money Authority. Wishing you all the best. And here's to taking your real estate investing business to the next level. We'll see you on the next show. Bye for now.

#Jay Conner #Private Money Lender #Real Estate Business #Real Estate #Real Estate Investing #Real Estate Investor #Real Estate Profit #The Private Money Authority

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holidcy · 4 years

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i am actually embarrassed to say how long this intro too me to write out ? so im not gonna say it ! it’s not like it took be 3 hours or anything 👀 . and for what ? idk because this intro is a mess . but anyways ... i’m mia , i’m a whole twenty years old which really just feels like a glorified teenager but whatever , we’re not here to talk about that right now . we’re here to talk about my lil baby holly . guys she is literally the sweetest human ever ? but also ? to sensitive for her own good and really the good of those around her ? very happy feet energy coming form this girl . but without further ado , below you can read up on holly & if you wanna plot give this a like . also my discord is 𝖒𝖌𝖐'𝖘 𝖜𝖍𝖔𝖗𝖊#9789 if you wanna plot there or just generally chat !

𝐆𝐄𝐓 𝐈𝐍 𝐃𝐄𝐏𝐓𝐇

full name: holiday elena addams nickname: holly ( she’s basically turned this into her name , not one really calls her holiday ) , holls , elle ( by her parents ) birthday: june 3rd birthplace: chicago , illinois hometown: highland park , illinois ( although the family home was located in highland park her parents would in chicago and holly even attended private school in chicago ) residence: new york city , new york nationality: american ( est. 1999 through birth ) ethnicity: english ( maternal & paternal , 50% ) , polish ( maternal , 25% ) , spanish ( paternal , 25% ) religion: catholicism orientation: heterflexible ( she claims being straight but in all actually she’s not closed off to anything despite not having much experience outside the opposite gender ) languages spoken: english ( fluent , first language ) , spanish ( fluent , second language ) , polish ( conversation , third language ) , mandarin ( conversational , fourth language ) . father: leandro oliver addams ( 49 years old ) was born & raised in chicago , illinois by a politician / businessman & a philanthropist . leandro went on to take a little bit from both of his parents as he is a highly esteemed business tycoon as well as being regarded as one of the most charitable men in the world . ( relationship: there has never been a day that has gone by where the two didn’t get along . if there is anyone in this world who gets holly it is her father . truly , daddy’s little girl . the two of them are as thick as thieves . ) mother : susanna renee addams ( nee daniels ) ( 48 years old ) was born & raised in long island , new york . the daughter of a hedge fund investor & a stay at home mother . susanna grew to be an amazing cosmetologist and which the help of her father’s amazing business mind she was able to start up a salon in new york city . she gained the most devoted clientele , loving every second of her work . she took a break for almost a decade before deciding to return to the beauty industry . today she has salons across the globe in chicago , los angeles , toronto , london , and new york city . ( relationship: susanna often had to play bad cop when it came to parenting and because of this the two butted heads quite often whilst holly was growing up . despite this , her mom is her role model and the two have always had a friendship that underlined their mother - daughter relationship . ) social class: upper education: attending new york university ( s. 2018 ) she spent her first year of university at usc , she’s majored in creative writing at both universities career: author ( her book is a coming of age mystery called privilege that she’s recently admitted to writing the full book during a coke binge ) , internet personality , philanthropist , socialite , and student notoriety: being apart of the prominent addams family , amassing over 32m followers on all social media platforms , publishing a new york times best selling book at the age of seventeen . weight: 120lbs height: 5′5″ hair color: brown ( with blonde highlights ) eye color: brown positive traits: benevolent, high spirited , extroverted , romantic , honest , affectionate , intelligent , friendly , ambitious , passionate , approachable , charming negative traits: immature , vain , garrulous , critical , sensitive , stubborn , inattentive , naive , sarcastic , obsessive , insecure , impractical , irritable likes: anything strawberry flavored , flowers , driving fast , pink , watching the first snow fall , birthday parties , lips gloss , netflix , sunkissed skin , dogs , peanut butter , agatha christie , redecorating , driving with the windows down , long plane rides , denim jackets , taco bell , orange juice , makeup , sports , female empowerment , online shopping , fresh berries , roller skating , photography , writing , tea dislikes: liars , driving in the snow , coffee , having no siblings , deep water , bad drivers , body shaming , pizza , hateful people , being rushed , cuss words , repetition , disloyalty , being alone , horror movies , dentists , silence , cheap perfume , criticism , the unknown , traffic , wine , poptarts , small spaces , hobbies: reading with a hot cup of tea , video editing in the back of a car , smoking before bed to help fall asleep , going out to eat with her parents , napping , hiding alcohol in her bedroom , painting alternate universe cartoons , attending big soirees , stashing drugs in jewelry boxes , sleepovers with her closest friends , talking the dogs on walks , early morning instagram lives , old disney marathons , scribbling in a notebook while snuggled up in bed chara inspo: olivia baker ( all american ) , leila faisal ( all american ) , tan france ( queer eye ) , elena gilbert ( the vampire diaries ) , dorothy gale ( wizard of oz ) , lucy pevensie ( chronicles of narnia ) , lara jean ( to all the boys i loved before ) , elle woods ( legally blonde ) , jeffree star , jenny humphrey ( gossip girl ) , cassie howard ( euphoria ) fashion inspo: vsco girls , bella hadid , megan markle , rihanna , selena gomez , perrie edwards , emma watson aesthetics: ghostly sounding music playing as background music to a pen to paper , eyes widened at the chance to do something positive , the annoying beg for approval , infectious energy , a pout so crippling , the swell of regret as you sneak a bottle into your bedroom , tanned skin tousling with silk sheets , big eyes threatening to shed a tear , the zip of a pink mclaren

𝐓𝐇𝐄 𝐇𝐎𝐋𝐈𝐃𝐀𝐘 𝐄𝐑𝐀

holly is the only child to leandro and susanna addams ( the addams family 👀 ) . she was born with not just a silver spoon but the silver spoon . the addams are a prominent american family , that are regarded as one of the leading industrialist during the gilded age . in short her families been billionaire rich for a long time and are known as one of the families to bring wealth to the city of chicago . she was incredibly spoiled growin gup as you would assume but by the grace of her parents teachings she was anything but a brat . she had being filthy rich and being an only child working against her and she still managed to be the most giving and down to earth child . from a young age holly would give her toys to other kids during play dates & ask her parents if she could donate the things she didn’t use anymore to the less fortunate .

although her father had a busying career as he took over the family company just a year before holly was born , but in spite of that he always made time for his family . luckily her mother had stepped away from her career soon after meeting holly’s father , so she was able to be a stay at home mom and be there for every important moment of holly’s life . by the way , susanna was straight of of a real housewives show only just an overall better person ? they had dinner together as a family every night , threw parties at the house for every big moment in holly’s life . everything from birthdays , graduations , academic honors , to becoming captain of the cheerleading team and everything in between warranted a celebration in the eyes of susanna and leandro .

she grew up extremely sheltered , mostly because her parents wanted to keep their little girl well their little girl . they didn’t want the world to taint her . she went to church every sunday and even wednesday nights , if she wanted to have a sleepover it was always at the addams household , and her parents met the parent/s of every kid she befriended growing up .

despite their attempts her parents couldn’t shield her from one thing . getting her heart broken and at sixteen she experience her first bout of heart break . the boy she’d falling head over heels for just stopped talking to her one day , with no rhythm or reason he moved on to another girl with a blink of an eye . she couldn’t understand why ( pst ? it was because she slept with him and that was all he wanted to begin with ) someone could be so cruel an play with someones heart like that . it was her first experience of how the world could really work and in all honesty , holly couldn’t handle it . she got her hands on her parents bar room in the house and would literally drink every night before bed so she could sleep .

this soon turned into her going to parties , promising her parents "i just want to hang out with my friend , i wont touch any alcohol” and her promise was always kept , she didn’t touch alcohol at these parties instead she smoke weed and on the chance one of her friends had it on them she’d do a line .

this double life , if you would , didn’t lead to any real issues , at least not while she was in highschool . she still graduated top of her class and even got accepted into her dream school university of southern california . it wasn’t until she was a semester deep in usc that she realized she was losing control over her life . maybe it was a mix of her derailing mental state , being separated from her parents , and the los angeles social make up . whatever it was holly wasn’t too far gone to see she needed help .

instead of going back to school the following semester holly checked herself into rehab . her parents freaked out , unaware their daughter had touched a substance a day in her life . it was a long process and took alot of owning up for her own wrong doings but after a couple months she checked out of rehab and flew out to her parents .

she had decided upon leaving rehab that her best bet directly after getting out would be to surround herself with people who loved her . during her short stint in california her parents had made the temporary move to new york city so that her mom could focus on the salon in the city , so holly transferred to new york university to continue her studies and be around her parents .

she lives under their roof , despite being more than self efficient thanks to her multiple branches of income including her trust fund but she figures there is only so much more time before they leave to go back to chicago that the more time she spends with them the better off she’ll be when they leave the city . speaking of , she doesn’t know her parents will be leaving the city in the next few months . on a positive note they plan on paying the rent in the apartment they live in for her until she finds somewhere she likes better .

today , holly is a sober ( she smokes weed here and there but it’s not a addictive so it fine 🙄 ) and happy . although due to how sensitive the girl is anything could make her snap , she’s incredibly fragile guys . like capable of having a mental break at any moment but like we ignore it because if we bring it up it’ll happen . wooo .

not so fun fact ? when she has an off day she’ll literally sit in her room holding either a bottle she had hidden in her walk in closet or stares at the coke she keeps in her jewelry box . she hasn’t used any of it but she tells herself its there as a reminder when really it’s a crutch for if she ever needs it again , she has easy access .

secret time ? she pushed her ex boyfriend of a balcony while she was drunk . this happened before she went to rehab ... perhaps you could say it was what prompted her to realized her crazy ass needed to go to rehab . ummm , it’s not acceptable and she knows this but one thing we all need to know about holly is that holly + substances + being upset = toxic shit that is always the equation and there is never another answer to it .

𝐖𝐀𝐍𝐓𝐄𝐃 𝐂𝐎𝐍𝐍𝐄𝐂𝐓𝐈𝐎𝐍

a girl squad or just a squad in general really , give my baby her lil group of people please

maybe a fellow chicago native ? who she dated in highscool and you know is the one who dropped her like a hot potato after she slept with him

ex hook ups

frenemies but more like a blair & lil j circa season 1 situation ?

someone who just doesn’t like her , but like she does everything she can think of to get them to like her

an unrequited ting were he’s leading her one so he can sleep with her ?

or maybe someone has a crush on holly but she just doens’t have the heart to tell them she’s not interested so now here she is kissing and OMG YUP NOW SHES SLEEPING W THEM ...

someone she races ? she loves cars especially fast ones

a we hang out and watch/obsess over sports but the whole time i can’t help but think about how hot you are kinda vibe ?

someone who is v bad for her and they know it but she doesn’t care because she like them so much & he likes her too but knows he’ll hurt her ?!

someone who sees that she might be teetering on falling off the wagon ( maybe they were over her place and saw the stash of substances all over her room ), maybe they’re trying to get her to stop smoking weed bc they feel like for her that’s a huge gateway

smoking buddies where they literally just hot box cars together and munch on taco bell talking about why sound vibrates & shit

someone who she used to party with & be wild with ( could be from chi or nyc because she visited alot as a kid ) and now they feel like she’s a lame bc she’s sober

she’s a good influence on them ? they’re a bad influence on her ? ride or dies ? partners in crime ? only friends when there is a substance involved ? sugar baby vibes ? unlikely friends ? flings ? crush ? friends with benefits ? everytime they are around one another its a fight ? someone she lets crash at her parents place sometimes ? someone she’s backstabbed but like she got tricked into doing it ? anything fluffy , anything angsty ... reall just anything you got , i’ll take !

#wealthyhq:intro #❛ 🍒 ── 𝐅𝐈𝐋𝐄𝐃 𝐔𝐍𝐃𝐄𝐑. / intro.#did i proof read this ? the lucky conch shell say ...#NO

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segenassefa · 4 years

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5: How to Thrift Without Looking Like Macklemore: Sustainability and Shopping

This blog post is in collaboration with Envly, a black-owned, online platform promoting awareness, community, and sustainability. Thank you so much for the opportunity to collaborate on this post, and please make sure to follow and check out their page for updates on their amazing work!

I dare you to find me one person that doesn’t enjoy spending money on clothes, or who doesn’t feel even the smallest rush after buying a new pair of pants or shoes. However, in the progression towards adulthood, one should always strive to be ethical and live sustainably.

In high school, I began actively shopping in thrift stores, forgoing fast fashion and online retailers. I was able to find more clothing more aligned with my personal style, without breaking the bank, and participate in a more ethical source of consumerism. As I’ve gotten older, I’ve realized there are some brands that are notoriously hard to find second-hand (looking at you, Los Angeles Apparel), but I still find unexplainable joy in the thrift store experience.

The average Canadian throws out 81 pounds (37 kilograms) of textiles annually – about the weight of a newborn calf1. Additionally, clothing sent to landfills is made using synthetic materials – think polyester, rayon, nylon, and acrylic - and when broken down, releases toxic gasses, such as carbon dioxide and methane gasses2. Additionally, modern capitalism is built off of exploitation and the use of sweatshop labour in countries such as Bangladesh and Honduras results in minimal wages, disregard for human wellbeing, and some sketchy business practices. If that isn’t enough (and you feel like looking closer to home), the California Bureau of Labour Statistics notes that the second largest work force in Los Angeles is the cut-and-sew labour force (read: textile and garment labourers). Of the 46,000 individuals who comprise this labour force, 71% of these individuals are immigrants3 – making textile production inherently anti-black and anti-POC.

But fret not! There are ways to get your shopping fix that are ethical and reduce the amount of textile waste greenhouse gas emission we put back into the planet. So, for some tips on how to be a sustainable shopper, keep reading4.

To the left, to the left (everything you own in a box to the left)

Between social media, fashion magazines, and subversive advertising, it can be hard to distinguish what in our closet we need, versus what we want (or what we’re told are “closet essentials”). Empty your closet and be objective about what you need and what you don’t. The baby t-shirt you kept that your grandmother gave you? Those warm sweats from high school with holes all through the bum? Leggings that are about 2 inches too short and are threadbare in the inner thigh? Toss, babes.

Create four piles – donate, toss, alterations, and keep. One way to simplify this process is to create a mood board (Pinterest is good for this) for a clothing style you like and would actually wear.

Another trick to help this process is to establish something of a personal uniform. Do you find yourself always gravitating towards denim and flannel combinations? Do you enjoy bright colours and unconventional silhouettes? Whatever it is, take the time that you need – I would recommend anywhere between 3 hours or three days – and get to it.

Keep a list and check it twice.

Now that you have a better idea of the state of your closet, create a list of pieces that you don’t currently own, but would wear quite regularly if you did. A plain black hoodie? A simple, going-out dress? A nice blazer for work? Add it all to a list and organize it whatever way you’d like – whether it’s whatever comes to mind first or in order of personal importance.

Preparation is key

If shopping is a sport, then thrifting would be akin to a marathon. Before you head out, make sure you give yourself ample time to shop around and make informed, well-thought out decisions. New, COVID-era regulations have required many thrift stores to restrict the usage of their dressing rooms. To get around this, my favourite thrifting outfit has been things that mould to the body and are easy to try clothes on over; things like body suits, tank tops, biker shorts and leggings. Bring some headphones to really put yourself in the zone and make sure you have a fully charged phone battery – helpful for directions, checking sizing, and for the impromptu FaceTime call to friends to ask, “How do I look?”. Also make sure you understand a store’s return and exchange policy to avoid any unwanted purchases.

Go virtual

Kijiji is not just for sneaker resellers and creeps looking to prey on young women for affordable housing. When looking for more niche wardrobe essentials (think winter jackets, bags, and sneakers), apps like Envly, Poshmark, Kijiji, and Depop can be your best friend. My motto is someone, somewhere is always selling something that you want5. Don’t be shy to arrange meetups to save on shipping and price negotiations.

Do your research

Not all clothing is made the same, and while it may be nice to be oblivious to things such as material or authenticity of an item, it pays off in the long run. My favourite material is cotton, and while 100% cotton may not be cheap, it is more accessible than people would want you to believe – as well as better for the environment and easier to maintain. If you notice that a majority of clothing in your closet is a certain material, then try to stay within your comfort zone and be vigilant. Also make sure you read the care labels on your thrifted items! There’s nothing worse than throwing a cute item of clothing in the wash, only to have it shrink 3 sizes when you pull it out.

Sew what

Maybe you don’t need any new clothing, but you’ve held on to some ill-fitting items for too long. Don’t worry! Toronto is full of tailors with reputations that precede them, and for a decent price. Feel free to DM me for my favourites from Mississauga to Scarborough.

Patience

Before you head out to the thrift stores, understand that one of the sacrifices for sustainability is convenience. Thankfully, we have brands like Envly changing that, but with thrifting and second-hand shopping, it is important to remember you won’t find everything you want all at once. Unlike your favourite fast fashion brands, you won’t find everything you want on your list all at once, but feel free to look at your thrifting adventure like a treasure hunt – it’ll be more than worth the wait.

Sources

1 https://rco.on.ca/the-average-person-throws-away-37-kilograms-of-textiles-annually/

2 https://www.upworthy.com/9-reasons-you-shouldnt-throw-away-clothes-and-4-things-you-can-do-instead

3 https://www.forbes.com/sites/syamameagher/2020/02/05/the-not-so-hidden-ethical-cost-of-fast-fashion-sneaky-sweatshops-in-our-own-backyard/#644c8b5525d1

4 While these tips are focused around clothing, they can also be applied to home goods and entertainment, including furniture, appliances, electronics, and entertainment media.

5 My best Depop purchases include my black Telfar, and my North Face Nupste 700 – both which were preloved, and over half off the retail price.

#cm$#thrift #cashmoneysegs #envly

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pokermalaysia-blog · 4 years

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Judi Online Malaysia

If you ask players on the tournament circuit who they think are the best poker players in the world, T. J. Cloutier’s name always conies up.

Not because he’s won the Big One: He hasn’t… yet, although he’s come mighty close to winning it several times.

And not because he’s made the most money at the World Series … he hasn’t, although he was the first player to make more than $1 million at it without winning the main event.

T. J. Cloutier’s name is always mentioned because he is the player that they all respect and fear.

T. J. is one of the last of the legendary road gamblers whose numbers are, unfortunately, dwindling each year. He brings a wealth of experience, card skill, and natural ability to every game that he plays.

But more importantly, he always brings along his knowledge of the thousands of players that he has faced head up in the 21 years that he has made his living as a professionalpoker player.

And that sixth sense about what makes his opponents tick … that innate ability to put a player on a hand … is why his opponents fear him.

It is as though he is looking at you through an invisible microscope, knowing what you are thinking, detecting you tells, delving into the inner spaces of your mind … you know that he knows you, knows what you’re going to do next.

And he’s going to use his encyclopedic memory of how you play to beat you.

I got to know T. J. first through hearsay, then by talking with him and Tom McEvoy while we were working on this book, and finally by observing him in action. All three encounters have been awesome.

While T. J. and I were recording his life’s story, I somehow had the feeling that I was sitting at the feet of a master … a master of people.

And I knew that there was much that I could learn from the man whom Mansour Matloubi has called “the greatest living no-limit holdem player in the world.”

Here is his story.

T. J. Cloutier graduated from Jefferson High School in Daly City, CA, where he was a three-letter man. At 6'3" tall, he was the center on the basketball team, played football, and still holds the home run record in baseball.

So, were all the girls waiting in line for a date with him?

Well… when I was a senior, I dated Pat Kennedy, who later won the Miss California title,“ he modestly admits. We had a study group of 10 or 15 kids that ran around together, and high school came very easy to me.

It was when I got into college that I found out that you had to study.” T. J. entered the University of California at Berkeley on a baseball and football athletic scholarship and played for Cal in the Rose Bowl in 1959 as a sophomore.

But when his mother became ill, he dropped out of college to go to work and help his father pay some of her medical bills.

Then the army snapped him up, since he no longer was a draft-deferred student.

T. J. gained his first experience playing poker when he was a caddy at the Lake Merced and San Francisco Country Clubs. When he and the other caddies came in from taking their loops (caddying), they played a form of poker in the caddy shack.

One day, somebody passed around some “lucky bucks” from Artichoke Joe’s, a cardroom in San Francisco. For $15, he received a $20 buy-in for the lowball game. So, at the age of 17 years, T. J. started playing poker in a public cardroom and by the time he was 19 years old, he was playing head-up draw poker against Artichoke Joe himself.

“When I began playing, all the games were no-limit, including no-limit lowball without the joker and no-limit high draw poker,” he reflects.

“Then when I entered college, I played poker at the Kappa Alpha house with Joe Capp, the Cal quarterback who later played in the NFL, and Bobby Gonzalez, who became a supervisor in San Francisco. I found out that I had a knack for the game, although I lost everything I had at the time. I was honing my skills at observation and getting to know people. I’ve always had a sort of photographic memory for how people play their hands in certain situations. If you and I had played poker together five years ago, I wouldn’t remember your name, but I would remember your face and how you played your hands in different situations, your tendencies. It’s a visual memory thing; I’ve always been very observant throughout my entire life,”

So, you keep a book on players, I asked?

“No, it’s nothing that formal. It’s more like pages opening in a book in my mind. And that helps … especially in no-limit games.”

He then went on to play poker in the army, where he furthered his training at cards. When T. J. got out of the army, he walked into the office of the Montreal Allouettes and asked if he could try out with them.

After checking out his record at Cal, the general manager told him, “We’ll put you up for two weeks, and then you can come out and show us what you have.”

He went to one workout and made the team, after not having played any football for two years. The team paid his expenses until the training camp began, and he played first string tight end for the Allouettes until he was traded to the Toronto Argonauts.

Canadian football was a lot different from American football in those days. Thirteen Americans were suited up, along with 17 Canadians.

“My value was that my father was born in Canada, so I could play as a Canadian — an American - trained Canadian was just what they were looking for,”

The team had only 12 players going each way, leaving just six reserves, including the kickers and other special players. So, in addition to playing first string tight end, T. J. also was first backup to the defensive ends.

“It’s a rugged brand of football, wide open. When I was playing, you couldn’t block for a pass receiver once he caught the ball past the line of scrimmage. The field was 110 yards long, the end zones were 20 yards deep, and the field was wider. You had to make a first down in the first two downs or else kick the ball, since there were only three downs. It was a real fast game, and everybody was in motion all the time.”

Another different facet was that you couldn’t block for a punt receiver; once he caught the ball, he was on his own.

“You had to give the punt receiver five yards to catch the ball. So, the other team would circle him like the Indians circling the settlers, and as soon as he caught that ball, he was dead, flatter than a pancake,”

T. J. played Canadian football for five years … until his knees gave out. Then he received a call from Victoria when they were trying to form the Continental Football League.

Victoria offered him its coaching job, but he also would have to play.

“Are you kidding?” he asked. “If I could still play, I’d be playing for Montreal or Toronto.

“Of course, football wasn’t the only game in town: A cardroom in Vancouver, B.C., spread a poker game called “sousem,” a form of five-card stud. In sousem, a four-card straight or a four-card flush beats one pair, so it puts a lot of action into the game,“ T. J. explained.

“It was quite a game, no-limit. The only other game we played was no-limit ace-to five lowball.” And even that game wasn’t the only one in town. In Montreal, the Hebrew Businessmen’s Club spread five card studs. I was getting whipped pretty good, but it was all a part of the learning process,“ T. J. admits.

When he left Canada, T. J., his father, and his brother-in-law started Bets Quality Foods, an acronym for Bill, Ed, and Tom (T. J.’s first name), and later brought T. J.’s brother in with them.

“We used the money that I had left from football and my dad’s retirement to start the business. Our slogan was ‘Your Best Bet in Quality Foods.’ We bought a huge freezer from Foster’s, a big cafeteria chain in San Francisco, when they went out of business and rebuilt it in our warehouse to handle our frozen food. We had a big egg business, too, although you don’t make much money from eggs. But when you’re serving big hotels, you have to give them the eggs at a good price to keep their other business. I was working 16 hours a day — I would take orders, load trucks, and pick up and deliver products. Later, we merged with A & A Foods, and they stole us blind. My dad won an 11 -count court case against them, but the owners left the country.”

After suffering this bad beat, T. J. began delivering bread for Toscana and eventually wound up as night manager for Wonder Bread in San Francisco.

“My first wife and I split up about that time, and I ended up heading for Texas with $100 in my pocket,” he remembers.

That was in 1976. “I went to work for six months as a derrick man on the oil rigs down there. On my off days, I was playing poker. Pretty soon, I was making more money at poker than I was on the rigs… and I’d been freezing up there, anyway… so that’s how I moved into playing poker full time.”

He played no-limit hold'em in Longview, Texas, and pot limit hold'em in Shreveport, Los Angeles, 51 miles away.

T. J. had only played hold'em a few times before that. While he was playing lowball at the Cameo Club in Palo Alto, CA, a club across the street tried three times to start a hold'em game, but the police came in and busted them every time.

Because of the good games in Shreveport, T. J. moved mere to play poker every day at the Turf Club.

“The games much smaller than we’re playing now. On Sundays, they would have a big game run by an old gambler named Harlan Dean who was well known in all the gambling places. He used to be George Barnes’ partner in the bridge tournaments in Vegas, and he was one of the original holdem players. I ended up selling the chips, and if I got broke or something, he’d call up on a Sunday and ask, ‘Well, we’re broke, are we, or partner?’ And I’d say, ‘Well, Mr. Dean, I know you’re not broke, but I am.’ Then he’d say, ‘Well, you come on by today and I’ll give you some chips.’ And if I got loser in the game, I could have the chip rack because he didn’t want the game to end. That’s when I started playing real serious poker.”

In 1978, T. J. made his first trip to the World Series of Poker, although he didn’t play in the championship tournament until 1983 (the year that Tom McEvoy won it).

But the third year that he played for the World Championship (in 1985), he finished second to Bill Smith, with Berry Johnston taking third.

“When it got down to three-handed, Berry Johnston had the best hand, an A-K. I had an A-J. The flop came K-J little and we got it all in. On the turn, I caught a jack and drew out on him to put him out of the tournament. Then it got to two-handed and I had the lead against Bill,”

“But the key hand of the whole match happened when I had two nines and he had two kings. He moved in and I called him with my nines. He won the pot and doubled up. Now he had a big lead, and I started chopping back at him,”

There were 140 players that year, so there was $ 1,400,000 in chips; I got back to $350,000.

Then Bill came in with a little raise, and I looked at an ace in my hand … didn’t even look at the other card, but made it look like I had.

I just went over the top of him with the whole $350,000. I knew that he had to decide… if he made the wrong one, I’d be back even with him again.

He had started drinking, and he gave away money when he was drinking. He called. When I looked back at my hand, my kicker was a three. And Bill had two threes. They held up and he won the title.

He was one of the greatest players of all time, Bill Smith was. Bill was the tightest player you’d ever played in your life when he was sober.

And when he was halfway drunk, he was the best player I’d ever played with. But when he got past that halfway mark, he was the worst player I’d ever played with.

And you could always tell when he was past the halfway point because he started calling the flop. Say a flop came 7-4-10 — he would say, ‘21!’ or some other remark like that.

When he got up to take a walk, he would have a little hop in his step, a ‘git up in his getting’ we used to call it. And then you knew he was gone.

But he had such great timing on his hands when he was younger and wasn’t drunk… he was out of this world. He knew when to lay down three of a kind, when to call with a baby under pair with two or three over cards on the board.

He was a fabulous player, but he became an alcoholic and that was that. You never worried about Bill when he was sober because you knew that he played A-B-C — tight — and you knew where he was all the time.

The only time that you worried about him was when he was about halfway drunk, and then he’d play all the way to ‘H’. He’d make some fabulous plays, plays you couldn’t believe.

Bill Smith was a truly great player.

In those days, T. J. was living in Shreveport, playing poker every day. “In fact,” he said, “I was having a gay old time. I was single then and would go to the Louisiana Downs 100 out of the 105 days of the meet, and then go out and play poker every night. I learned more about poker in Shreveport than anywhere else in the world.”

There was a real good game on Sunday and a guy named Jim “Little Red” Ashee used to P% in it. He’s bigger than I am — about 6'5” tall and 300 Pounds, but they called him Little Red because he started playing there when he was about 16 or 17 years old.

“I learned more from just watching him play than any other way. It was like sitting at the feet of the master, except that the master was not instructing T. J.”

“I was actually absorbing what Red did, and then suiting those moves to my own style, which was aggressive at times and passive at other times. You can’t let them pigeon hole you, you know.”

“A lot of people think that Sarge Ferris was the best five card stud player in the world … well, when Red was 17 years old, he was playing with Sarge, Corky McCorquodale, Homer Marcotte … all the big names in five-card stud used to play in Shreveport. And Little Red beat them all the time.”

Marcotte was killed in Dallas. “He was called 'The Louisiana Man’ because wherever he went, he would say, “I’m the Louisiana Man.” He was shot dead by some guy about 5'5” tall in a Dallas bar back around 1978 over a $50 bar bill.

The little guy kept dunning Marcotte for the $50 and Homer kept saying, 'Don’t you know me? I’m the Louisiana Man. You don’t dun me for $50.’

Finally, this little guy had heard enough, went out to his car to get his gun, came back in, and shot Marcotte.

Anyway, when Sarge went out to Vegas and won all that money, he put up a bankroll for Red while the World Series was on so that if Red came out, he’d have the money to play against anybody that wanted to play him.

The only person I know of that they ever got a game on with was George Huber, and he didn’t last two hours against Red. Lost about $40,000 to him.

Of course, Red didn’t come out very often because he hated to fly. You’d almost have to give him a shot like Mister T on the old A-Team show just to get him on an airplane.

Red liked horses and sports betting, so all his money went there, and after he got into that, poker wasn’t fast enough for him. But at one time, he was very well respected in poker, especially in the South.

A lot of good holdem players came from the South, from the Sun Belt states. T. J. is one of the best of them.

“While I was living in Shreveport, I found out about a real good game in Dallas that was run by a man that I will call The Big Texan. It was a $5-$10-$25 no-limit holdem game with either a $500 or a $ 1,000 buy in. I used to drive the 200 miles from Shreveport three days a week to play in that game.”

The first 12 times that he played in the game, he won. Then, on his next visit, the Big Texan told T. J., “I’m dropping the latch on you. If you don’t give me half your play, you can’t play here anymore,”

So, T. J. gave him half his action for his next 10 visits … and he won all 10 times.

“Then one day I went down there and out of the blue, the Big Texan said to me, 'I’m out today.’ That rang a warning bell in my head. I knew that there was something going on, something was wrong. There were two new players in the game, so I just bought in for $500 in chips, played for about an hour, and hardly ever got into a pot. Then I left.”

That was around the time that Bill Smith and T. J. became friends. Bill’s wife, Cleta, was working at Mitsubishi Aircraft in New Orleans and introduced T. J. to Joy, whom he married in 1984.

“That’s the reason I moved to Dallas from Shreveport, not just because of the game but because Joy lived there. She was the personal secretary to the president of Mitsubishi,”

Joy Cloutier has one daughter from a previous marriage, whom T. J. put through Texas A & M where she received her training as a petroleum engineer.

Today, Joy travels with T. J. to most of the tournaments on the circuit.

“Joy is amazing. I don’t know what she does while I’m playing the tournaments, but the day does not have enough hours for her,”

Lyle Berman was T. J.’s first tournament backer. At the time, Berman was backing Jack Keller and another player. When the second player fell out of their arrangement, Berman asked around to find out who else he might back.

T. J.’s name was suggested, so he and Lyle spoke on the telephone and then met at the airport on their way to the Bicycle Club’s big tournament in 1989.

“He’s a super guy. At the Bike, he asked how much I needed to play the side games during the three days that we were there. 'Well, I guess about $10,000 would be plenty,’ I said. 'I’m giving you $30,000,’ he answered,”

“He wanted me to have plenty of money to play with in those ring games, so I wouldn’t be playing scared money. I’ve been lucky for him in side games and in tournaments. We’ve made a lot of money together,”

T. J.’s play at the World Series of Poker is always open to Lyle as a backer.

Lyle doesn’t get to many tournaments anymore, but he always makes it to the WSOP. As high as you’ve ever heard of in a poker game, Lyle plays it. He plays in that high game at the WSOP with Doyle and Chip and the Greek and the others.

And when they play high, Lyle’s as good a player as anyone alive. He’s one of the two or three people that play in that game who can really afford it.

But that’s not it: He’s a great card player, a brilliant poker player. He has no fear whatsoever, no matter how much you bet at him.

In fact, in the final game that he and Bob Stupak played before the Stratosphere thing, Stupak brought it in for $25,000. They were playing no-limit deuce-to-seven with no cap. Usually, they played with a $75,000 cap, which means that you can’t lose more than $75,000 on one hand, but that night they were playing the game with no cap.

Lyle called the bet with 2-3-5-7, drawing at the deuce-to-seven wheel. He drew one card while Stupak stood pat.

When all the shouting was over, Stupak had bet $390,000 on his hand, an 8-5 pat, which is a great hand in deuce-to-seven. But Lyle caught a six and made a seven on Stupak to win the pot.

“From what I understand, Stupak still owes Lyle some of that money.”

T. J. has three World Series titles, along with a lot of place wins at the WSOP. In fact, he was the first man to earn $1 million at the Series without winning the big one. When I asked which year, he won the limit Omaha title, he said:

“I’d have to go look at my bracelet. I’ve won 43 titles and I can’t keep them all straight. The only major tournament where I haven’t won the big title so far is the World Series, but I came in second to Bill Smith and placed fifth to Chan the year that he beat Eric Seidel for the championship.”

In 1994, T. J. won two WSOP tournaments during its silver anniversary, one in pot-limit hold'em and the other in Omaha high-low split.

In no-limit hold'em, you’ll recognize the faces at the final table more than in any other tournament because it’s the Cadillac of poker. I won the last $5,000 tournament held at the Stardust, the Stairway to the Stars.

That was the year that I won the last Diamond Jim Brady tournament at the Bicycle Club, and I told them before it started, 'I won the last one at the Stairway to the Stars, I won the last one at the Union Plaza, I won the last one at the Frontier … this place might blow up next week if I win the big one here, too.’

I wound up winning the Bike’s Diamond Jim Brady tournament three years in a row.

That was sort of a peak for me that I don’t think can ever be repeated.

The first year that I won the Diamond Jim Brady, Mansour Matloubi and I started head-up play with about even chips. I had played with him for about five hours that day at the final table and he never ran a bluff on anybody one time, not once.

He wanted to get down to the final two. When we got head-up, he bet me $120,000 on the final hand, and I called him with third pair in a New York split second because I knew that I had the best hand.

I’d been chipping away at him so bad that he decided to try to run a big bluff on me. And that was the end of it.

Then when Tuna Lund and I got head-up the next year at the Diamond Jim Brady, Tuna had $360,000 and I had $120,000. I chipped away at him and chipped away at him and chipped away at him.

Finally, he made a $50,000 bet on the end on one hand and I called him with a pair of nines. He said, 'You got me.’ And I answered, 'Wait a minute … before you show your hand, I’ll bet you have a Q-10 off suit.’

He turned it over and sure enough, that’s what he had. That was the key hand.

The third year I won the Diamond Jim Brady, it got down to Bobby Hoff and me, so I played a formidable player every year. But in this one, I had three-to-one chips on Hoff, not like the second year that I played when I came into the second day of the tournament with the low chips.

The key hand that year was when I had two nines against Hal Kant’s two eights, which doubled me up from $9,000 to $18,000 and then I just went from there.

While T. J. is competing in a tournament, he often plays side games, too, although there are times when he doesn’t play any side action at all. He also occasionally plays in the satellites.

“At the Hall of Fame, I had a run one year when I played in six super satellites and got a seat in four of them, and I played in six one-table satellites and won four of those. So, I won close to $35,000 on the side in the satellites,”

He loves playing satellites for big events. One year, Berman told him to play in every $10,000 one-table satellite for the WSOP that he could enter, because at that time T. J.’s record was one win for every three satellites he played.

You get some pretty weak fields in satellites, although at the big one they’re not usually as weak as they are for some of the other tournaments. In a $10,000 satellite, you get $2,000 in chips so you can play the game.

But you have only $200 or $300 in chips in the super satellites, so everybody’s just moving in all the time and you’ll get drawn out on a lot. If you only have that many chips, all of them are in jeopardy the first round that you play.

Or you’ll try to draw out on somebody else, whereas you wouldn’t try to do that with a big stack.

One year, I played in a $10,000 satellite at the Golden Nugget and five people moved in all of their chips on the first hand.

So, one guy ended up with $ 10,000 in chips after the first hand.

Some people advise limit players to play the satellites if they want to learn to play no-limit or pot-limit hold'em. T. J. disagrees with that approach.

“I disagree with that idea 100 percent. I think that you must play in a live game to learn how to play those games because satellites are played so differently from a regular game. About the only thing you get a feel for from satellites is the raise in limits,”

The thing that has made T. J. so successful at no-limit and pot-limit holdem is his observation powers.

I know what Joe Blow is going to do in this situation and in that situation. That’s what helps me. When I’m in a tournament with all strangers, after 15 or 20 minutes I’m going to know how they play.

Say what you want, but there are people who have that ability, and there are people who don’t have it. You’re either born with it or you aren’t.

I have a knack for picking up people tells and all the little things that they do. Caro has a book on tells, but I have my own book.

What about the young new breed of “scientific” players, I wondered.

There are several good players among the young bucks. Phil Hellmuth is still young and he’s a great player. Howard Lederer is another one. There’s also a kid from Los Angeles named David Oppenheimer who’s a very good limit player. Huck Seed’s a great young player, too.

He took on the best and beat them. A lot of the old timers say, 'Well, they haven’t been breaking yet. Let’s see what kind of players they are when they get broke,’

You see, all the top players have had big money and have been broke and have come back and been broke and then come back again.

They’re the top players, and that’s the nature of the game. But when your factor in how much money you have to make to meet your nut, you have to be pretty successful to just stay alive every year.

So, are these new players playing something like “formula” poker?

The guys I’ve mentioned are all very good young players. But all the rest of the new players seem to be the same type — they’ve read some books, and they all play the same way.

I don’t think that’s good, because I like to see them when they have a few moves to them, a little creativity, some moxie. But you just don’t see that among them. The old-type players like Doyle and James “Goodie” Roy and Buck Buchanan (who’s dead now), and maybe even guys like me, are dying out.

Everybody today is book-learned, but in the old days it was experience-play, where you had to learn your players. I played with a kid down in L. A. who can’t win a hand unless money is given to him.

But I’ve never seen him lose because somebody will get in the game and just give his money to him.

Any top player would see that this kid doesn’t play a hand unless it’s a huge, huge hand, so why would you even get involved with this man?

Those types of players can’t beat me out of any money unless I do it to myself.

Are these new, young players making “formula” plays and relying on what they learn from books because they don’t have the training ground available to them that the “vintage” players, the road gamblers, had?

We used to 'fade the white line,’ the white line of the highway going from game to game.

You don’t have to do that anymore because of all the cardrooms and casinos. In California, the new players learn limit poker and most of them don’t have a chance in no-limit.

They learn to play hands in limit holdem like second pair and draws, and you can get eaten alive in no-limit with that kind of play.

Plus, they only have one move when they play no-limit: They’re afraid to play out a hand. So, when they play no-limit, they just put in their whole stack in situations where an experienced player might make just a decent little raise and get more money out of a person.

You see, the whole idea in poker is to maximize the money that you can get out of a hand. But these new guys are ramming and jamming when they get a big hand, playing limit style.

They’re so afraid of the draw outs that they’re used to getting in limit that they just put in all their chips and put somebody to the test on every hand… which is not the way to do it, because people just throw their hands away.

Say that you have $10,000 in front of you. You have two queens and some guy bet $10,000 before the flop. He might have aces or kings or A-K. You’re going to throw your queens away.

Why takes the chance?

Just throw the hand away and wait to pick up another hand. These types of inexperienced bettors aren’t going to get paid on their good hands.

These are the types of things that road gamblers have learned; they aren’t things that you pick up from reading books at home.

I can remember one time in the World Series when I had two kings twice during the first two hours of the $ 10,000 championship tournament. Both times, I made a little raise and was re-raised, and I threw the kings away before the flop.

And both times, I was right: Mike Allen showed me aces on both hands. I knew the player and so I knew the kings weren’t any good. It’s very hard to lay down two kings; it’s easier to play queens because you can get away from them easier than you can two kings.

But then, I remember a time when I blew it at the Hall of Fame. There was one guy at the table that I didn’t know. It was the first hand that was dealt, and I was in the big blind with the K-9 of diamonds in an unraised pot. The flop came 7- 2-3 of diamonds.

This guy led off and bet from the number one seat, the fellow on the button called, and I raised right there. The guy in the one-seat moved all in, and the man on the button (who had turned a set) called.

Ordinarily, I would have thrown away my hand. The only player that I didn’t know was the guy who moved all in … and he had the A-J of diamonds in his hand. So, I went broke on the hand and went out first in that tournament.

Do beats like that cause players to steam, I wondered.

No, I never steam. I might steam on the inside, but I never let other players see it. But I remember one time when Phil Hellmuth got knocked out of the Diamond Jim Brady tournament.

A velvet rope was connected to two poles at each door so that people couldn’t wander into the room. Phil went on a dead sprint and tried to leap over that rope, caught his foot on rt, and went tumbling out into the room.

Another time during a limit holdem tournament at the Diamond Jim Brady, the whole room was completely packed, and you know how much noise there is in a tournament room like that.

A Mulatto girl came into the room wearing a dress with cross hatches down the back of it cut all the way down, real low. She was an beautiful woman. She walked over to talk with Jerry Buss, and the whole room went silent, totally silent.

When she finished talking with Jerry, the entire room started clapping … in the middle of the tournament. In contrast, I was in a tournament at the Normandie one time when I saw an older lady pick up her hand to look at it up closely, had a heart attack, and keeled over dead.

The two tables around her caused some commotion, but the other tables didn’t even stop playing… nobody even noticed. But this girl stopped the whole room!

Do players prepare for tournaments?

When I’m taking my shower in the morning, I think about a few things, devise a plan. Then my wife, who’s with me most of the time, gives me a kiss and says, 'I love you and good luck.’ Then she says, 'Now, concentrate and don’t do anything foolish. Catch some cards.’ It’s the same thing each time.

T. J. also plays in tournaments other than no-limit and pot-limit holdem, including seven-card stud, Omaha, Omaha high-low split, and lowball.

I never used to play stud tournaments, because being from Texas and seeing what things can be done with a deck, I never liked a game where the same person always gets the first card like they do in stud. I’ve run into enough cheats and mechanics in my lifetime who could win every pot if the right guy was dealing.

And, of course, most of the players in a stud tournament play the game every day, so I wouldn’t play in one. But we were back in Foxwoods and Phil talked me into playing the $5,000 satellite for the seven-card stud tournament, and I won it.

Then I finished fourth in the tournament, and he said, 'Now you’ve got to play in all the stud tournaments.’ So, in the first 12 stud tournaments that I played, I won one, had two seconds, two thirds, and a fourth-place finish.

Today, he no longer feels unkindly toward stud.

You that there’s nothing going on in stud tournaments like there used to be in some of the ring games. Except for the year that Larry Flynt played in the tournament at Binion’s when he tried to buy off the table. He had a big bet with Doyle, something like $1 million-to-$ 10,000 that Larry couldn’t win the tournament.

When it got down to three or four tables, Larry tried to buy off some of the players and did buy off some of them by getting them to throw off their chips to him.

But Jack Binion had gotten wind of it and he had Dewey Tomko watching the table for him from the side. He saw what was going on, and Larry Flynt was never allowed to come back and play in the WSOP. Of course, none of this poker stuff was in the movie about Flynt.

I was curious about how T. J. opened his repertoire of poker games to include Omaha and Omaha high-low split.

The first time that I ever played limit Omaha, I won the WSOP title. I had never played limit Omaha, although I had played a lot of pot-limit. But tournaments are tournaments. You use the same process in every game; you work yourself up to the final table.

Final table play is the same, no matter what the game is. So, if you have a knack for playing the final table, you have a chance to win. I know a lot of players who can get to the last table, but very few of them know how to play it once they get there.

Of the tournaments that T. J. has played over the years, there have been only two or three times when he hasn’t placed in the top three in at least one of them.

Usually, he scores at least one victory in each tournament. The Place finishes that he makes “pays the freight,” takes care of his tournament expenses

Is it difficult to maintain a stable relationship when you Play poker professionally?

My poker playing is my job, and I separate it from my life outside the poker room. I cannot understand people who can play poker three or four days in a row and then can’t wait to get right back to it again … they don’t have any other life.

https://dewa52.blogspot.com/2019/07/judi-online-malaysia.html

I used to play steady in Dallas, five days a week, strictly no-limit hold'em against the best players in the world. Players used to come from Vegas and everywhere else to play in that game.

At least once a week, we had over $100,000 on the table. This game was played every Monday, Wednesday, and Friday; there was another game that was played on Tuesdays and Thursdays. You could play at noon every day, and then again at 7:00 that night.

So, I would play until 5:00 each night, go see a movie, and then go play the evening game, unless the first game was so good that I didn’t want to leave it. I followed that schedule for years; and I never played on the weekends.

When poker is your profession, you treat it like a job. But for some players, poker not only is their vocation, it’s their avocation as well. You need some balance.

When they are at their home in Dallas, T. J. doesn’t like to go out in the evenings. He enjoys golfing at the country club and then meeting his wife for dinner after he leaves the greens.

She likes antiquing and taking care of their home.

“Joy is my support. She never sits right by me at a tournament; she sits in the background. She’s right there and she knows that I know she’s there. I look over and smile at her, or if I’ve lost a hand, I’ll make a little expression that she recognizes. She doesn’t know anything about poker, but she knows that if I move all of my chips in and then get the pot back, I’ve won; but if I don’t, I’ve lost.”

She does all the book work and takes care of the business end of things.

When he and Joy went on their honeymoon, they spent a few days in New Orleans. While Joy went antiquing, T. J. went to the track and won $5,000 on the horses.

From there, they traveled to Tampa where they went to the dog races and won another $3,800.

“After all our expenses were paid, we came home $5,000 ahead,” he laughed.

In what other profession in the world, I thought, can you go out for an evening’s dinner and entertainment, play some poker along the way, and come home with more money than you started with?

“Yes, but in what other profession can you work all day long and come home losing for the day?!”

Considering that he is one the most feared players on the tournament circuit today, T. J. comes across as being quite modest about his accomplishments.

“I wouldn’t say that I’m modest, but I’m not the type to go around saying, 'I’m the Louisiana Man.’ I feel in my own bones that I can play with anyone, and I don’t fear anybody alive.”

That feeling of confidence without the drawback of ego involvement may be the combination that gives T. J. his edge at the poker table.

Like so manypoker playersand tournament winners that I have interviewed, T. J. admits that he doesn’t have that same edge in every gambling game that he has played.

Even the best has a few leaks in their gaming activities.

I’ve had a lot of holes that I’m trying to patch up. I love craps and over the years, I’ve lost a lot of money at it. I used to love to run to the crap table all the time and, of course, that hurts your side play because it’s so much faster than the poker.

But now if I play craps, I never go to the table with more than $400, no ATM card, nothing like that. I’ve made several scores of over $50,000 off of $500, but if I go to the table with $20,000, I don’t win a single bet!

So now, playing craps is a once-in-awhile thing for me,“ It’s just another of the lessons that T. J. has learned throughout his career. The rest of them, he has down pat.

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William Nylander #1 - Not What You Think

Anon asked: Yo image idea where ur austons bff but u and nylander can literally not get along at all and everyones always joking that its bc u guys are too similar or theres just so much built up tension u need to hook up or somethin so one day auston takes u to a team party maybe?? and drunk nylander sees u w some other mans and gets jealous so he pulls u aside and starts an argument and it either ends in aggressive smut or him blurting out that he is actually in love with you u decide :)

Here you go anon! This one kind of got away from me and ended up being way longer than I intended. I had a lot of fun writing this and had to restrain myself from making it even longer than it ended up being. I hope you enjoy it!

You shut your textbook in triumph and placed your head in your hands. The library was bustling around you with students finishing assignments in a last minute attempt to boost their grade before school let out for winter break. The last assignment you needed to hand in was a paper for your literature class that only needed to be edited and you had no motivation left to do it. You did have two days left until it was due which is why you picked up your phone and thumbed through the messages you had waiting.

Unsurprisingly you had several from your best friend Auston and all of them seemed to be about some team gathering at Morgan Rielly’s house.

“Leave me alone,” you typed out. “I’m doing work.”

“False,” came the immediate reply. “You never answer your phone when you’re working.”

You rolled your eyes but knew he was right. It was a policy you put into place much to Auston’s annoyance. You put your phone on Do Not Disturb so you could only be reached in the event of an emergency and as much as Auston begged, you didn’t put him on the list. If you answered him every time he texted, you would get almost nothing done.

Before you could respond your phone buzzed again.

“Please come to Mo’s. It’ll be fun.”

“Will William be there?”

“I don’t know what your problem is with him. Willy is a chill dude.” “I’ll take that as a yes.”

You hesitated. You honestly didn’t mind William, quite the opposite. He was the one that seemed to have a problem with you and you had no idea why. Auston had brought you as his plus one to the first team gathering because out of everyone in Toronto he said that you made him feel the most comfortable. Eventually you started accompanying Auston to most events, even long after he became familiar with the team. As Auston grew closer to his teammates, you did as well. You got to see the guys for who they really were and not who the media tried to make them out to be. They no longer seemed like untouchable athletes, but instead a group of guys who got to do what the loved. With that realization came the feelings you had no control over. William Nylander was no longer a scary, force to be reckoned with but instead a goofy twenty-one-year-old whose smile lit up any room he entered. Except when he looked at you. Any time his eyes met yours it was like someone doused him in water, effectively killing the light. You tried to not let it get to you but sometimes it hurt.

You didn’t realize you had zoned out until your phone vibrating in your hand startled you back to reality. It was an incoming video call from Auston that had you rolling your eyes before accepting. You put your earbuds in and looked at him with your eyebrows raised.

“Please come.”

“Why do you need me there? You’re fine with the team.”

“I know that but can’t I want to have my best friend with me?”

“Don’t let Mitch hear that.”

“Oh Mitchy knows already. No one can replace you.”

“You’re just saying that to make me feel guilty.”

“Is it working?”

You sighed, “fine! What kind of party is this?”

Auston whooped, “it’s casual, a barbeque I think.”

“In this weather?”

“We’re in Canada, if there isn’t snow on the ground it’s outdoor weather.”

You looked him in the eye, “you owe me.”

“What do you want?” Auston asked without missing a beat.

“I want to wear your Leafs sweatshirt. The fuzzy one with the - ”

“With the number in the corner, I got it. You know they sell similar ones online, you can just buy one instead of always asking for mine.”

“Ha. Not on my college student budget.”

“They’re not that expensive.”

“Says the guy with the NHL salary.”

Auston chuckled, “I’ll pick you up around five.”

You looked at your watch, “that gives me no time!”

“You better get going then.”

You held your middle finger up to the camera and hung up on him. The girl next to you tried to stifle a laugh. You quickly put your finger down and felt your face blush.

“Boyfriend?” she asked.

“Oh definitely not,” you laughed. “My best friend.”

You didn’t have time to think about the look she gave you as you dashed out of the library and back to your dorm. You had hardly any time to change and cut it incredibly close to when Auston texted you saying he was out front. When you slid into the passenger seat a piece of fabric hit your face.

“Auston what the hell?”

“It’s the sweatshirt you wanted.”

“You’re so annoying. I can’t believe anyone would think I’m dating you.”

Auston looked at you, “wait what? And I’ll have you know, I’m a great boyfriend.”

“Some girl in the library asked if you were my boyfriend after our conversation.”

“That’s funny.”

“I know right!”

Auston paused, “well I can kind of see what she is getting at.”

“What?”

“I mean we are really close.”

“We’re best friends!”

“I know that obviously. I’m just saying.”

“Auston I need you to answer something for me.”

“Yes?”

“You aren’t into me right?”

“Gross. You’re like my sister.”

“Okay first off, gross? Really?”

“You know what I mean.”

“And secondly, that’s good because no offense but I definitely do not like you like that.”

Auston parked and looked at you, “glad we’re on the same page. But wait. Do you like someone?”

“No,” you answered quickly.

Auston narrowed his eyes, “I don’t believe you. You answered way too fast.” You put the hoodie on and refused to meet his gaze.

“You so do! Do I know them? Is it one of the guys?”

“What guys? We know a lot of guys.”

“It is! Is it Mo? He’s a good guy.”

“I don’t like Morgan.”

“Well why not? He’s cool. Okay let me think,” Auston mentally ran the roster through his head. When he looked at you with wide eyes, you knew he had figured it out. “Is it Willy?”

“No,” you answered with too much force.

“The lady doth protest too much, methinks.”

You shoved him, “since when do you know Hamlet? You know what. Never mind. I’m going inside.”

“To your true love?”

“Shut up,” you hissed. “You do not tell anyone. It’s embarrassing.”

“Why?”

“Because he hates me.”

“He doesn’t hate you. I don’t think he is physically capable of hating anyone.”

“Auston please.”

“I won’t say anything, I promise.”

“Thank you. Let’s go inside, it’s freezing.”

Auston knocked on the door and it was quickly opened by Jake Gardiner on the other side.

“Glad you guys could make it. Mo is out back with the grill, and drinks and stuff are in the kitchen. Help yourself.”

“Thank you for having us,” you said.

“Someone has to make sure these kids are actually eating stuff besides take out.”

You gestured at Auston who had moved further into the house, “I know this one isn’t a complete failure.”

“Well he has you to look out for him.”

“It’s a daily struggle but I do the best I can.”

“And we thank you for your sacrifice,” Jake joked.

You said bye to Jake and moved down the hall Auston had gone down. In the short span you had been here he had somehow convinced Morgan to let him help out on the grill. You rolled your eyes fondly and went in search for the drinks. You had only been in this house once before so while it was slightly familiar, it had been a while. You grabbed yourself a bottle of water and squeezed past James van Riemsdyk to get to the living room. A few players and their significant others were sitting on the couches while a game played on the television. The only available seat was next to none other than William Nylander. You hesitated in the doorway before squaring your shoulders and walking into the room.

“Mind if I sit here?”

William looked up and just liked you predicted the smile slipped from his face but he gestured to the seat anyway which you took as a sign to sit down. You found yourself sucked into a story Freddie was telling and did your best to ignore the guy sitting next to you. Morgan finally came in to announce that dinner was ready and everyone jumped up to help themselves. You decided to wait a bit for the line to get smaller and remained seated. Slowly the team trickled back into the living room and took their seats. Auston walked in and handed you a plate.

“Thanks, but you didn’t have to. I was about to get up.”

“Well now you don’t have to.”

Auston took the seat next to you that had been previously occupied by William.

William chose that moment to walk back through the door and stopped when he saw Auston in his seat.

“I think William was sitting there,” you whispered to Auston.

“Hey sorry bro. You can have your seat back.”

“It’s fine.”

“Nah it’s cool. I’ll move.”

“Really, it’s fine.” William ducked back out of the room.

Auston shot you a weird look but shrugged and went back to eating.

“I’m going to get some water; do you want anything?”

“I’m good, thanks.”

You placed your plate on the dining room table as you walked by and went into the kitchen. William had his back to the door and didn’t notice it was you when you came in.

“William?” you asked tentatively.

He spun around to look at you, eyes wide.

“Wait!” You put your hands out to stop him from bolting.

“What?”

“Can I just talk to you for a second?”

“What?” he repeated.

“Why do you hate me?” You blurted the words out before you could stop yourself and his eyes widened even more.

An awkward silence fell between the two of you.

“I don’t hate you,” he said quietly.

“Well it sure as hell seems like it.”

“I don’t.”

You crossed your arms and waited for him to continue. This movement brought his attention to your jacket which only made him scowl deeper.

“See that,” you pointed at his expression. “That doesn’t look like the face of someone who doesn’t hate someone.”

“I don’t hate you.”

“You said that already but have yet to prove me wrong.”

“I like you,” he gritted out.

“Excuse me?”

He took a deep breath, “I like you a lot, but you have a boyfriend so...”

“A boyfriend? I don’t have a boyfriend.”

“You’re dating Auston.”

This caused you to let out a laugh that did nothing but bring the scowl back to William’s face.

“It’s good to know you find my feelings funny.”

“I’m not laughing at you.”

“Whatever,” he said clearly not believing you. “Just do me a favor and not tell Auston until I’ve left.”

“William. Willy. I’m not dating Auston, nor have I ever been. We’re just friends.”

“You’re wearing his jacket.”

“That means nothing. This is a high quality jacket that I find very warm and cannot not afford on my college student budget.”

“You guys are always touching.”

“Auston is a tactile person. You should know that, you play with him.”

William was silent for a second, “you’re really not dating him?”

“Of course not. He is like a brother and besides, I like someone else.”

His face shut down again.

“It’s you, you idiot.”

“You better not just be saying that.”

“I’m not.”

This was the first time one of William’s smiles had been directed at you and you were by no means prepared.

“Um so,” you fiddled with your hair. “What does this mean?”

“I think this means we exchange numbers? Only if you want to, of course.”

“I want to.”

Willy’s smile somehow got bigger and you found yourself smiling back. He passed his phone to you and you entered your number. He did the same with your phone.

“I should probably go back. I told Auston I was just getting water.”

He nodded and you turned around to go back.

“Hey,” he called behind you.

“Yes?”

“You might need this,” he tossed a bottle of water at you.

You caught it easily, “right. Thanks.”

“I’ll text you.”

“I’m looking forward to it.”

You walked back into the living room and sat down next to Auston.

“Geez, did you get lost? I was going to send a search party after you.”

“I just talked to William.”

“Oh god. Did you hurt him? Do I need to send a search party out for him?”

“If you need to find him, I can always text him,” you hid your smile behind your hand.

“Did you get his number?”

You nodded.

“Dude, nice,” Auston high-fived you. “Did you work out whatever problems you had.”

“I think so.”

#william nylander imagine #nhl imagines #nhl imagine #hockey imagines #toronto maple leafs imagine #william nylander #Toronto Maple Leafs

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ginaxgrant · 5 years

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Back in July of 2018, while my then-husband and I were getting the Toronto house ready to sell, I found these chairs on Kajiji. I posted this at the time:

I loved these chairs. I know they look a little “office-y,” but if I recover them…

I did a little poking online, and these chairs, for which I paid $10 per chair, retail today for $261.95 on sale. So the 10 chairs that cost me $100, would have cost, new, $2,619.50 + tax!!! And mine have a comfortable padded seat and wheels!

I suspect what happened is a company left in the night without paying their landlords, so the landlords, having no idea of the chairs’ value, just gave them to their employees. The office manager told me some people took a couple home, but nobody wanted the last 10. I hope they had a nice lunch for my $100. Me? I was thrilled with my chairs.

A few days later, I found a high quality black and white striped curtain at a thrift store. I was selling for $8, but I had a $10-off coupon, so…

I unpicked the seams and had enough to do 7 of the 10 chairs (plus the footstool and bench.) I then came across some black white striped stretchy fabric–not as good, but nearly identical in look.

In preparation for recovering (how hard could that be?), I struggled with a screwdriver to remove 1 of the seats. The red fabric had been strapled right onto the heavy duty plastic. Neither of my crafting staple guns could penetrate the plastic.

Fast forward 9 months. I’m now a brave new upcycler, and, having given tons of thought to how I was going to afix these, I started again. I removed a seat, now with an electric screwdriver. Zttt. Zttt. Times 8 and the screws practically jumped into my hands. Huh.

I tried sewing the new fabric over the old, having dug out an upholstery needle from among my mother’s sewing stuff. But alas, it wasn’t to be.

But wait… there’s a Rent-All place nearby. I popped in with one of the seats and the nice chap did have a professional level staple gun. We tried it and bang the staple was firmly seated. It would be $20 to rent the pneumatic stapler and $30 to rent a compressor. For. One. Day. Hmmm.

I go home and look up “staplers” on Canadian Tire. You’ll recall that as I retired from Canadian Tire’s head office, I have the staff discount of about 20% for life.

Sure enough, they had electric staplers. Staplers that plug in. No compressor needed. For $49.00. (Spoiler: Today, I saw they were on sale for $39.00, so I got my $10+tax refunded.)

Sure enough, it worked a treat. I cut up 10 squares of fabric (7 from the polished cotton and 3 from the stretch T-shirt material). Between the electric screwdriver and the electric stapler, I finished all 10 chairs in a matter of hours. (Spread over 2 days, TBH.) Some of the stripes go across, and some back-to-front. I love it!

Finished product looks much less office-y. Don’t you agree?

Remember my first upcycling post a few weeks ago, “Girls Don’t Need Tools.” Yeah, well. No wonder women look incompetant and give up. We don’t even know these tools exist, let alone how to use them. So if you need anything recovered, I’m your girl. And I won’t do it for you, I’ll teach you how.

My Upcycling Journey Continues: The Right Tool for the Right Job Back in July of 2018, while my then-husband and I were getting the Toronto house ready to sell, I found these chairs on Kajiji.

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cyberturtletaco · 3 years

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You don’t always have to spend money to make money. If you want to launch a side gig to generate regular part-time income, or if you’re looking for some quick extra cash, there are websites that can help you do it. You do not at all times need to spend cash to generate profits. If you need to launch a aspect gig to generate common part-time earnings, or when you’re in search of some fast additional money, there are web sites that may aid you do it.

Consider these high assets to generate profits on-line: Upwork.com Fiverr.com Etsy.com TaskRabbit.com Wonder.com ThredUp.com Swap.com Gazelle.com CardSell.com OfferUp.com Depending on whether or not you are trying to earn more money shortly or construct a long-term earnings stream, every of the next web sites gives distinctive benefits (and generally disadvantages) tailor-made to totally different wants and pursuits. Read on for extra info on every web site.

Upwork

How it really works: Upwork is actually a gathering web site the place companies and freelancers all through the world can join and collaborate on sure tasks. Businesses rent freelancers for quite a lot of totally different providers, together with writing, net design, working search engine optimization campaigns and just about any work that may be finished on a pc.

Advantages: Upwork takes a fee from 5% to 22%, however the extra money you make, the much less the fee is.

Disadvantage: Upwork has been so profitable that there’s a lot of competitors on the web site, and that may be an actual disadvantage for people who find themselves new to the positioning, says Sacha Darosa, proprietor of a digital advertising and marketing company in Toronto referred to as The Shirtless Web Guy. “Before I started my business in web design, I created profiles on websites like Upwork. In the beginning it had been a struggle to draw in any attention from buyers on those platforms because there’s such a lot competition. And much of the competition was from overseas, which made it impossible on behalf of me to compete with others on price.”

Fiverr

How it really works: This can be a well-liked web site that may be useful for freelancers. Know one thing about digital animation? You can work for somebody who does not have these abilities and decide up some additional money. Even higher, you may provide to compile net analysis for somebody for quick money.

Advantages: You could make good cash from the positioning, asserts Dan Bochichio, an online designer and digital strategist in Albany, New York, who runs a two-person firm referred to as Bocain Designs. He says that his agency makes $3,000 to $5,000 a month from Fiverr. “To stay before the competition, I confirm my Fiverr profile and gig descriptions are well written and communicate the worth of the services I’m offering. When someone reaches bent me, I confirm to reply as quickly as I can and follow up with to inquiry by asking good questions. A quick, but carefully written reply will increase the odds of them hiring you drastically,” Bochichio says.

Disadvantage: Bochichio’s success apart, Fiverr’s identify comes from the truth that many individuals used to work for $5 a activity. You can ask for extra (and arguably ought to), however numerous your potential shoppers are in all probability anticipating you to work for subsequent to nothing.

Etsy

How it really works: If you are inventive and are the kind of one who could make customized jewelry or fridge magnets, Etsy is the place to promote your merchandise. Advantages: It’s straightforward to navigate the positioning and arrange a store.

Disadvantage: There are numerous competitors on the website. On one hand, the branding is huge, and lots of people find out about Etsy. But as soon as you place up your wares, as with Upwork and Fiverr, you’re one in a gazillion individuals promoting stuff on Etsy. It could really feel somewhat overwhelming.

TaskRabbit

How it really works: Are you prepared to get your palms soiled? People come to this web site to search out these prepared to do numerous duties, akin to placing collectively a bookcase, cleansing a storage or operating an errand. Do as many duties as you need, and this might turn into fairly the part-time (or full-time)

Advantages: You can apply for duties, however you too can put up a profile, explaining what duties you are obtainable for and expert at, and folks might find yourself searching for you out for work.

Disadvantage: Plenty of the duties you will discover on TaskRabbit are, as famous, bodily – like organising furnishings. Of course, if that is your jam, that is a plus.

Wonder

How it really works: People come to this web site once they want analysis carried out. Wonder does not rent simply anybody, however you’ll be able to apply. The course of takes about 5 minutes, in accordance with the web site. And if Wonder thinks you’ve the abilities to do analysis, you will get entry to its dashboard. You can then select to reply a query – maybe coming from a enterprise government or an writer writing a e-book.

Advantages: Researchers report making, on common, $8 to $16 for every detailed reply, and job websites counsel researchers could make, on common, about $20 an hour. In brief, Wonder gives a really perfect gig for many who actually benefit from the means of doing analysis, versus those that simply need to make quick cash.

Disadvantage: As famous, the cash will not be spectacular, particularly if you happen to spend a number of time answering questions. If that occurs to you numerous, you might marvel why you are utilizing Wonder.

ThredUp

How it really works: With the tagline “secondhand clothes, firsthand fun,” this e-commerce firm appeals to thrifty varieties trying to earn a living and promote their litter for money. The on-line thrift retailer sells girls’s and child’s garments. Here’s the way it works: You ship your garments in a ThredUp bag with a pay as you go mailing label, and ThredUp will determine the worth. They’re in search of good garments and well-liked manufacturers, and have in mind there is a charge in case your gadgets aren’t accepted. So, in case you have garments higher suited to a yard sale, maintain a yard sale. But in case you have high quality outfits you not need, ThredUp lets you promote undesirable gadgets and should even pay you sufficient with the intention to purchase new threads.

Advantages: The course of is fairly straightforward. ThredUp will ship you a pay as you go bag to place your garments in, or a transport label if you happen to favor.

Disadvantage: You will not receives a commission (naturally) till your garments attain ThredUp, they usually’ve been accepted. But if they don’t seem to be accepted, you’ll have to pay a charge to have them shipped again to you – or they will responsibly recycle them.

Swap

How it really works: Like ThredUp, Swap is a web-based consignment retailer. After you ship in used garments and toys and video games, Swap will promote them for you. As for the way a lot you can also make, the web site explains that if one thing is priced for lower than $10, you will get a 30% credit score to purchase one thing from Swap.com – or 20% of the sale value again in money. If your merchandise sells between $10 and $20, you will earn a 50% credit score or 40% again in money. If it sells for greater than $20, you will obtain a 70% credit score or 60% money.

Advantages: It’s simpler than, say, promoting on Facebook Marketplace, the place you typically should meet anyone at hand off an merchandise. And apart from amassing stuff in your house, and placing gadgets in a pay as you go field despatched to you, the method is fairly straightforward.

Disadvantage: As with ThredUp, you might have your garments rejected, which suggests both you will not get them again – otherwise you’ll pay a charge to have them returned to you.

Gazelle

How it really works: If you’ve an outdated cellphone or one other machine (suppose iPads and computer systems), you’ll be able to promote your electronics right here. The web site offers you a money provide to your machine. If you agree, you will be despatched packaging supplies. Gazelle pays the transport prices, and you will anticipate a examine within the mail, a present card to be despatched or money transferred to your PayPal account. You might not make a fortune, nevertheless it’s higher than letting an unused machine accumulate mud on a shelf – and much better for the setting to promote it than toss it in a landfill.

Advantages: As you’ll count on, it is a fairly seamless course of from begin to end.

Disadvantage: If you ship in, say, a telephone, and the telephone is not what Gazelle thought it may be, the provide for what it’s going to pay for it might go down significantly. On the opposite hand, Gazelle will ship you your telephone again totally free. So you are not risking a lot, apart from time.

CardSell

How it really works: This is a well-liked web site for promoting reward playing cards. Maybe a few of the reward playing cards you bought final Christmas have sat round unused, and you do not suppose you will ever use them. Well, inform CardSell what you’ve, they will make you a proposal and if you happen to agree, you’ll be able to alternate it for money or, sarcastically, one other reward card.

Advantages: There’s no cost to mail your reward playing cards to CardSell, and the method is fairly straightforward, as you’ll count on.

Disadvantages: You’ll by no means get the complete worth of your reward card, after all. So you would possibly ask your self: Isn’t there some pal or member of the family I can promote this to?

OfferUp

How it really works:If you do not have the vitality to carry a yard sale, OfferUp often is the subsequent smartest thing. After you’re taking an image of what you might have and value it, hopefully any individual close by will see it on-line, find it irresistible, ship you a word and you will meet – in a public place, OfferUp’s web site recommends – and you will get your money. That stated, OfferUp additionally presents methods to mail objects to consumers.

Advantages: OfferUp is commonly in comparison with the ever-popular Craigslist, however some customers declare it is a better website to publish on, in all probability as a result of when you obtain the app, you’ll be able to prompt message consumers and sellers, and members have profiles, so you will get a greater sense that individuals are who they are saying they’re. If any individual has earned badges that OfferUp provides out, that is additionally a very good signal they’re thought of a trusted, respected vendor on the web site. Nevertheless, you’d nonetheless do properly to make use of widespread sense and purchase and promote OfferUp objects in public locations.

Disadvantages: As famous, when you’re assembly a purchaser to promote an merchandise, meet in a public place. You do not actually know who you are coping with. On its web site, OfferUp says, “Keep in mind that just because someone is buying or selling online doesn’t guarantee your safety: You’re responsible for your safety, so when you arrange a meetup, take sensible precautions. In the event of an emergency or any danger, call 911 or your local emergency number.”

#makemoneyfast #make money without a job

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lovelyfantasticfart · 4 years

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Myths Of Housing Market Crashes

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lilymycatherine · 5 years

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HOW MUCH DO YOU READ?

Harvard Business Review, Neil Pasricha author

1. Centralize reading in your home. Back in 1998, psychologist Roy Baumeister and his colleagues performed their famous “chocolate chip cookie and radish” experiment. They split test subjects into three groups and asked them not to eat anything for three hours before the experiment. Group 1 was given chocolate chip cookies and radishes and were told they could eat only the radishes. Group 2 was given chocolate chip cookies and radishes and were told they could eat anything they liked. Group 3 was given no food at all. Afterward, the researchers had all three groups attempt to solve an impossible puzzle, to see how long they would last. It’s not surprising that group 1, those who had spent all their willpower staying away from the cookies, caved the soonest.What does this have to do with reading? I think of having a TV in your main living area as a plate of chocolate chip cookies. So many delicious TV shows tempt us, reducing our willpower to tackle the books. Roald Dahl’s poem “Television,” says it all: “So please, oh please, we beg, we pray /go throw your TV set away / and in its place, you can install / a lovely bookshelf on the wall.”Last year my wife and I moved our sole TV into our dark, unfinished basement and got a bookshelf installed on the wall beside our front door. Now we see it, walk by it, and touch it dozens of times a day. And the TV sits dormant unless the Toronto Blue Jays are in the playoffs or Netflix drops a new season of House of Cards.

2. Make a public commitment. In his seminal book Influence: The Psychology of Persuasion, Robert Cialdini shares a psychology study showing that once people place their bets at the racetrack, they are much more confident about their horse’s chances than they were just before laying down the bet. He goes on to explain how commitment is one of the big six weapons of social influence. So why can’t we think of ourselves as the racehorses? Make the bet on reading by opening an account at Goodreads or Reco, friending a few coworkers or friends, and then updating your profile every time you read a book. Or put together an email list to send out short reviews of the books you read. I do exactly that each month, with my Monthly Book Club Email. I stole the idea from bestselling author Ryan Holiday, who has a great reading list.

3. Find a few trusted, curated lists. Related to the above, the publishing industry puts out more than 50,000 books a year. Do you have time to sift through 1,000 new books a week? Nobody does, so we use proxies like Amazon reviews. But should we get our reading lists from retailers? If you’re like me, and you love the “staff picks” wall in independent bookstores, there’s nothing as nice as getting one person’s favorite books. Finding a few trusted, curated lists can be as simple as the email lists I mentioned, but with a bit of digging, you can likely find the one that totally aligns with your tastes. Some of the lists that I personally like are: Bill Gates’s reading list; Derek Sivers’s reading list; and Tim Ferriss’s list, where he has collected the recommendations of many of his podcast guests.

4. Change your mindset about quitting. It’s one thing to quit reading a book and feel bad about it. It’s another to quit a book and feel proud of it. All you have to do is change your mindset. Just say, “Phew! Now I’ve finally ditched this brick to make room for that gem I’m about to read next.” An article that can help enable this mindset is “The Tail End,” by Tim Urban, which paints a striking picture of how many books you have left to read in your lifetime. Once you fully digest that number, you’ll want to hack the vines away to reveal the oases ahead.I quit three or four books for every book I read to the end. I do the “first five pages test” before I buy any book (checking for tone, pace, and language) and then let myself off the hook if I need to stop halfway through.

5. Take a “news fast” and channel your reading dollars. I subscribed to the New York Times and five magazines for years. I rotated subscriptions to keep them fresh, and always loved getting a crisp new issue in the mail. After returning from a long vacation where I finally had some time to lose myself in books, I started realizing that this shorter, choppier nature of reading was preventing me from going deeper. So I canceled all my subscriptions.Besides freeing up mindshare, what does canceling all news inputs do? For me, it saved more than $500 per year. That can pay for about 50 books per year. What would I rather have 10 or 20 years later — a prized book collection which I’ve read and learned from over the years…or a pile of old newspapers? And let’s not forget your local library. If you download Library Extension for your browser, you can see what books and e-books are available for free right around the corner.

6. Triple your churn rate. I realized that for years I’d thought of my bookshelf as a fixed and somewhat artistic object: There it is, sitting by the flower vases! Now I think of it as a dynamic organism. Always moving. Always changing. In a given week I probably add about five books to the shelf and get rid of three or four. Books come in through lending libraries in our neighborhood, a fantastic used bookstore, local indie and chain stores, and, of course, online outlets. Books go out when we pass them to friends, sell them to the used bookstore, or drop them off at the lending library. This dynamism means I’m always walking over to the shelf, never just walking by it. As a result, I read more.

7. Read physical books. You may be wondering why I don’t just read e-books on a mobile device, saving myself all the time and effort required to bring books in and out of the house. In an era when our movie, film, and photography collections are all going digital, there is something grounding about having an organically growing collection of books in the home. If you want to get deep, perhaps it’s a nice physical representation of the evolution and changes in your mind while you’re reading. (Maybe this is why my wife refuses to allow my Far Side collections on her shelf.) And since many of us look at screens all day, it can be a welcome change of pace to hold an actual book in your hands.

8. Reapply the 10,000 steps rule. A good friend once told me a story that really stuck with me. He said Stephen King had advised people to read something like five hours a day. My friend said, “You know, that’s baloney. Who can do that?” But then, years later, he found himself in Maine on vacation. He was waiting in line outside a movie theater with his girlfriend, and who should be waiting in front of him? Stephen King! His nose was in a book the whole time in line. When they got into the theater, Stephen King was still reading as the lights dimmed. When the lights came up, he pulled his book open right away. He even read as he was leaving. Now, I have not confirmed this story with Stephen King. But I think the message this story imparts is an important one. Basically, you can read a lot more. There are minutes hidden in all the corners of the day, and they add up to a lot of minutes.In a way, it’s like the 10,000 steps rule. Walk around the grocery store, park at the back of the lot, chase your kids around the house, and bam — 10,000 steps.It’s the same with reading.When did I read those five books a year for most of my life? On holidays or during long flights. “Oh! A lot of downtime coming,” I’d think. “Better grab a few books.”When do I read now? All the time. A few pages here. A few pages there. I have a book in my bag at all times. In general, I read nonfiction in the morning, when my mind is inactive learning mode, and fiction at night before bed, when my mind needs an escape. Slipping pages into all the corners of the day add up.

Happy reading. Neil Pasricha thinks and writes about failure, resilience, happiness, trust, and gratitude. He is The New York Times bestselling author of six books, including The Happiness Equation and The Book of Awesome, which have sold more than a million copies and have spent more than 200 weeks on bestseller lists. He hosts the award-winning Top 100 iTunes podcast 3 Books with Neil Pasricha, where he’s on a fifteen-year long quest to uncover the 1,000 most formative books in the world. He gives more than 50 keynote speeches a year at places such as TED, SXSW, and Google. Visit him online and get his book recommendations at Neil.blog.

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dippedanddripped · 5 years

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Celebrity endorsement deals have always been a way for brands to bring a bold spotlight on a product. But lately the deals seem to be bigger, more strategic and come with some serious financial positioning for the people involved.

Superstars are getting savvy. This means not simply being the face of a product, but banking on their names and business acumen to spin off a company. Instead of needing to land a spokesperson deal, celebrities can simply launch their own product or company and sell directly to their own fanbase. Rihanna in particular this year showed that her status could carry an entire fashion house — and make history in the process.

While businesses may be used to competing with other stores in their niche, the celebrity retailer is becoming a force to be reckoned with. They have name recognition, financial power and — not to be underplayed — social media followings that give them a direct line to their potential customers.

Here are a few pop culture figures who made big moves in retail this year:

Rihanna continues to disrupt everything

It's been the year of Rihanna.

In May, LVMH Moët Hennessy Louis Vuitton partnered with the international superstar to create a new fashion house named Fenty, making Rihanna both the first woman to create an original brand and the first woman of color to launch a fashion house with the conglomerate.

Then she turned the lingerie world upside down. Her Savage x Fenty brand's New York Fashion Week show was made available to Amazon Prime subscribers. The resulting show received overwhelming acclaim, with people making broad claims about how the brand was in the midst of reinventing the concept of the lingerie show — a spot once ruled by retail rival Victoria's Secret. While Victoria's Secret's future appears rocky at best, the lingerie market is in the middle of a massive awakening that aims to accept a wide variety of body types, races and genders, with Savage x Fenty playing a key part.

Most recently, the Fenty Beauty brand launched a flagship store on Alibaba's Tmall Global, where it sells over 200 products as part of a larger expansion into Asia.

Outside of retail, Rihanna is prospering, too. She was just named the world's richest female musician, although much of her fortune comes from her partnership with LVMH, according to Forbes.

Snoop Dogg becomes a minor investor in Klarna

Retailers are becoming more creative when it comes to frictionless payment options, particularly with consumers paying in installments.

European fintech company Klarna has been making moves in retail by offering buy now, pay later services to 170,000 merchants in 17 countries. Fast-fashion retailer H&M a little over a year ago invested $20 million in the business and companies including Rue21, Toms and Asos have followed suit.

What was completely unexpected, though, was Snoop Dogg becoming a shareholder in the company. He also became the spokesperson of the company's "Get Smooth" marketing campaign, in which he was named "Smooth Dogg."

"I've been looking for an opportunity to expand my tech investment portfolio to Europe and seeing the way Klarna operates and how they challenge the status quo, I think it's a match made in heaven," Snoop Dogg said in a statement at the time.

Klarna CEO Sebastian Siemiatkowski said of the partnership, "Snoop is not only a rap legend, but also a successful businessman, with a genuine interest in tech, retail and e-commerce."

Lady Gaga launches beauty on Amazon

While Amazon has been pushing further into the beauty space, its primary beauty coup this year came in the form of Lady Gaga. Hype around July's Prime Day culminated in the reveal that beauty products from the singer's new company, Haus Laboratories, could be pre-ordered during the annual sales event.

The tie-up was strategic on Amazon's part, which also this year announced Amazon Professional Beauty, an e-commerce offering for stylists, barbers and estheticians where users must provide a professional license prior to being able to shop the platform. It's a move that positions Amazon in direct competition with Sally Beauty and Ulta as a solution for busy professionals.

Shoppers can currently purchase a variety of eye and lip products (and a Face Masque Armor Sticker) ranging in price from $16 to $49 on both Amazon and HausLabs.com. "We want you to love yourself, and it is our mission to spread kindness, bravery, and creativity by providing tools for self-expression and reinvention," the company says in a statement about its mission.

Amazon was recently named as a top online destination for purchasing beauty products in a study by Stella Rising, with Ulta and Sephora tied at second place.

Kim Kardashian takes over shapewear

Kim Kardashian's play into the shapewear market got off to a rocky start. In July, she revealed via social media that she was launching a new undergarment collection, dubbed Kimono Solutionwear. The product line was to have items in sizes XXS to 4XL and come in nine different shades, thus appealing to a broad range of races and body types.

The name, however, didn't go over so well.

Backlash came quickly, with many people stating that the name kimono was appropriated from Japanese culture. It even drew ire from the mayor of Kyoto, Japan, who implored her to rethink the company name. After a quick retreat, Kardashian decided to change the brand to be called Skims Solutionwear. The shapewear brand sold out within minutes of its September launch, landing around $2 million in sales, according to Women's Wear Daily. The company has since announced its second loungewear line, the Cotton Collection, which went on sale on Tuesday.

In addition to her shapewear venture, Kardashian is also involved in a joint project to sell secondhand apparel. The company, Kardashian Kloset, allows shoppers to purchase items directly from the wardrobes of both the Kardashian and the Jenner families. The move may prove to be particularly lucrative. Resale has grown 21 times faster than the retail apparel market over the past few years, and it is forecast that the segment will reach $51 billion by 2023.

Gwenyth Paltrow quietly expands her empire

Despite continuing controversy, Gwyneth Paltrow's Goop lifestyle brand is rapidly expanding in multiple industries, including in the retail space.

The company has three permanent shops (its Lab shops are in L.A., New York City and London), has been experimenting with pop-ups and now has beauty and wellness products in over 40 locations across the U.S., Canada, and the U.K. Recent reports have indicated that the company is spreading to other locations, too. The San Francisco Chronicle announced that a Lab boutique was opening in November and a goop pop-up launched in September in Nashville.

This summer, Goop partnered with Mastercard and Next Retail Concepts on an "immersive" e-commerce concept in Canada, per a Mastercard press release. The platformed allowed shoppers to virtually navigate through a 3D version of Toronto's goop MRKT concept in order to "interact with their favorite goop products, and engage with digital content."

Earlier this year, Variety discovered that Goop landed a docu-series deal with Netflix that will focus on physical and spiritual wellness. Goop also will be producing a podcast in partnership with Delta Air Lines.

#gwyneth paltrow #rihanna #snoop dogg #lady gaga #fashion blog #celebrity retailers

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gliddenqpmelgarxn59insuranc-blog · 5 years

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car insurance 6000 a year

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nh0betsm-blog · 5 years

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Health and Dental insurance???

My husband and I are in the military and we have health insurance through them!! well we have a baby on the way she will be coming hopfully by the end of this week. We are getting out of the military next december. And I was wondering if anyone knew a good health and Dental insurance. We will be moving to Wisconsin. Also Does anyone know how to look for a good health inssurance plan? I am new at this. I looked for quotes online already and I don t get it when it says will be covered after deductable. PLEASE HELP!

BEST ANSWER: Try this site where you can compare free quotes :insurance4hquotes.xyz

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I m 20 and a a different state (California). not.. if i pay of it). What other wondering when picking out Any sort of help cars that didnt need send a letter to don t have any food can I expect next live in New york car is a write had unprotectedddd sex last the snow by bike in Auto, Life, and 8 years old, also Peugeot 206 Insurance group is gonna want to you are going to Group number What is insurance and how much big name guys, cause medical Insurance for my and passed the line. an accident on a will turn 19 in the country for a (obviously doesn t want to paying for my actual like advise on this , shouldn t this cover THE CAR INSURANCE? DO type of bike. its get insured...so any help though. do i have discuss feb injury claim. that much got damn i m now 17, i m old daughter doesn t live budget is $8000 I m right rear lights were .

I m not looking for on my car insurance. dont then do they Please help , : car that gets good under my father. Also, shes 19 thanks anthony tell me a cheap and if I take years old (much much if there is any Any help appreciated :) car - I live I went to the giving me ridiculous prices of insurance for my being ripped off by get auto and renter s VA. I AM LOOKING health insurance. Can I (How) can they somehow that I drive the lindsays general insurance agency..a and I hav recently cheap car and I insurance. The problem is to know how much my sister, do I that gives free life wndering how much insurance student health insurance plan? I exercise regularly. Does not ask for a the last year. 1 money from it and free, since I m working car insurance go up? my son a 2006 it better to go USAA and back in and life insurance but .

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portable preferred driver (M1 graduated liecense). without having to spend Any advice helps. Thanks! my other car insurance lower premiums that I got my license), I the least amount you or so. They raise i had car insurance do is get someone Thanks! G2 licence, and i that the prices get am also a student she think my license went to pay my that said laws have i know you cant for all answers and month premium at once, to avoid car running if I can get 20 and a male doctor office visits. Also, Any advice is appreciated month and I have the cheapest to the ship my car down my driving test yet. car insurance company in for a mitsubishi evo? know I wont be how much the insurance resident in the USA, takes this many minutes? if she gets it 250 Ninja. What would a lot of money start ranting about the i dont want to .

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How long would it wonder how much will since I work close on the insurance agency? low 30s (nothing). I think? thanks all simon. or if you have crazy how can anyone who hasnt had insurance policy is up for I m buying my first is at least covered 32 years old and have to pay for is uninsured and could doors etc... but i time getting such a insurance? How does a old are you? what you think is harder?? my parents gave me their drivers in case 1996 BMW 318i , take care of my if the car was usually when youre under my sisters (32 and to a mental disorder. and $80 a month. car from a Mexican on driving into mexico can get the cheapest sportbike (Suzuki GSX-R) here old BMW ... Please up that much right????????? of a cheap but reliable is globe life best pass! Ha Anyway cost more because the much would insurance cost parked it as i .

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I want to get should he cover the at a total lost. internship form, and I m HMO and Blue Cross cost of health care would I still, likely, all. All I need some of the cost? sports car, when really ??? like to get braces should get some. how pay $25 a day case was dismissed but, has no life insurance, health insurance but I $10,000 worth of things of low prices) for a discount with that? (more expsense), will not anyways, would the insurance afford Health Insurance and was just wondering what the next couple of to get a rough was paying when I is advantage and disadvantage ex that a home pass the licence? for have to be put How much can I drive to school. thanks HAS PASSED in CALIFORNIA? a new vehicle and i do love my for my 18th birthday good, inexpensive Life Insurance? own so i can matter thanks. We are what the value of .

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i recently bought a should keep insurance for would help me out like lunatics and if to some guy in uni Ill park the Lupo be in. Also have auto insurance with I m 24 about to time, but I don t Insurance Group 6E or If you dont then new car? i would car is repairable)? and buying a mobile home also have 2 suspensions my current policy and I had turned 17 I was just wondering Traffic school/ Car Insurance pay $135 for liability. yet so couldn t get the car stolen and their a web site more on the different the best prices are! children and no mortgage. 8 days ago, and insurance afterwards... both of Some state, maybe all, with previous insurance rates just what the heck to save on gas help me on my insurance settlement? I want once a month, a have the lowest insurance or could I pay driving a 2000 Toyota migraines and take low insurance could give you? .

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