#would it be great to get a $400 loan and pay it back over 2 months?

[libertarian-druid-in-greater-vt]

Fucking hate short weeks at work, the weeks after always suck ass.

Bitching about finances in the tags

[bettsfic]

how i got an agent, or: my writing timeline

when i started writing, i had no idea how publishing worked and i had a lot of misconceptions about it. but i just signed my first literary agent so i thought i’d share what my experience has been getting to this point, in case it helps anyone else with their own publication goals. i’m also including financial details, like submission fees and income, because “i could never afford to pursue writing as a career” is something that kept me from taking the idea seriously.

for context, i write mostly literary fiction and i’m on the academic/scholarly writing path. this process looks a lot different for other genres. 

i didn’t write this in my pretty nonfiction narrative voice; it’s really just the bare-bones facts of how it went down, how long it took, how many words i wrote (both fanfiction and original fiction), and how much it all cost. 

background

2002 - 2005: read a fuckton of books, wrote some fiction, wanted to be a writer but knew it would never happen, journaled every moment of my life in intimate detail

2006: started working full-time (at a chinese restaurant) while still in high school, also started taking courses for college credit; no time to write, and forgot i had ever wanted to be a writer

2007: graduated high school, started college (psych major), still worked at the restaurant, moved out of my parents’ house into an apartment with my boyfriend; my dad got diagnosed with stage 3 colon cancer

2008: continued college full-time, quit the restaurant and started part-time as a bank teller, broke up with bf and moved in with a friend at an apartment where the rent was obscenely high; had to pick up a second job altering bridal gowns

2009: continued college full-time, started dating someone else, moved in with him, had to support him, took a third job as an admin assistant 

2010: continued college full-time, still had 3 jobs; my dad’s cancer became terminal

2011: my dad passed away; i graduated college with a 3.9 and $31k of debt; quit 2 of 3 jobs; got promoted at the bank; my bf cheated on me and we broke up; moved back in with my mom

2012: a very dark time; also, bought a house (because where i’m from, it’s cheaper to buy than rent)

2013: discovered fandom

2014, age 24

this is the year i started writing and posting fanfic. prior to that i was a compulsive journaler but had no drive or desire to become a writer, despite how much i had written when i was a teenager. it seemed like a very childish dream. at this point i assumed writing was just a phase like all my other hobbies i’d picked up and set down. 

but fandom proved to be really healthy for me, and i made some good friends who encouraged my writing and made me want to be better at it. i was really not very good at writing. i don’t think i had any natural creative talent whatsoever, or even a particularly vivid imagination. the only thing i had going for me was the ability to put thoughts into words after a decade of obsessive journaling.

i started writing in spring, and by the end of the year my total word count was 311k. i was making a decent income at the bank, insofar as my bills were covered and i had health insurance. i still had a significant amount of credit card debt from college that i was trying to pay down, and which was eating up all my extra income. 

2015, age 25

i continued writing through 2015 and went to visit @aeriallon, whom i’d met in fandom and who told me i should consider applying to MFAs. i was miserable at the bank and knew i wanted to go back to school, but i didn’t think there was a chance in hell a grad program would accept me, since my writing wasn’t very good and i hadn’t so much as taken a single english class in undergrad. she told me to just look around and do a few google searches to see what i found. 

when i started searching, i assumed i would probably be more compelled toward an MEd or MSW programs and go the therapy route, which is what the plan had been in undergrad before my dad died and my life got derailed. i never wanted to be a banker, but i’d got a promotion into commercial finance that paid decently, so i took it and told myself i’d work for a year before going back to school. but then i kept getting promoted and one year became many.

i ended up being more drawn to creative writing MFA programs because they seemed to want people with weird backgrounds like mine. also the classes sounded fun and the programs were funded. i didn’t know how i would be able to afford my mortgage payment or sell my house on a fraction of the income i was making at the bank, but i figured i’d apply and see what happened.

it took 6 months to get a writing sample ready to apply to MFAs. it was the only ofic story i’d written as an adult, and in retrospect i had no idea what i was doing because at that point i didn’t read literary short fiction. but i got the sample as good as i could get it and completed my applications. i applied to 6 schools and got accepted into 1. 

in 2015 i wrote 250k. i can’t find my application spreadsheet from that year, but i probably spent between $300 and $400 on application fees. early in the year, i had finally managed to pay off my credit card debt and save a little bit of money.

2016, age 26

the school i got into was within driving distance of my house, so i didn’t bother moving. i tried to quit the bank but my boss convinced me to stay on 2 days a week working from home. i agreed to it, because my grad stipend wasn’t enough to cover my bills, and i was counting on what little savings i had accrued to get me through the program. i still had no drive or interest to publish. i mostly just wanted to go back to school so i could learn how to be better at this thing i really enjoyed doing.

in the MFA, as you might imagine, i had to read a lot of stuff and write a lot of stuff, and was encouraged to begin submitting some of the short stories i wrote for workshop. i was not particularly into the idea, considering it seemed like a lot of work for little reward, and also i didn’t think my stories were very good.

i also started teaching english comp. i hated it and decided that after the MFA, i never wanted to do it again. haha. hahahahahaha

in 2016 i wrote 343k. i didn’t apply/submit in 2016 so i didn’t pay any fees, but my grad stipend was $14k for the academic year, plus the income i was making at the bank.

2017, age 27

i did a complete 180 and decided i loved teaching more than anything else in the entire world, and i was willing to do whatever it took to become a teacher. i realized that to become a teacher, i needed to publish. begrudgingly i started submitting to literary journals. i also applied to summer workshops and got into tin house, which i highly recommend if that’s something you’re interested in. at tin house i met my dream agent, who seemed really interested in my work and encouraged me to query her as soon as i had a book done. 

a lot of personal drama happened that year. i was still working at the bank in addition to teaching a 2/2 and taking a full course load. in summer i had a long overdue mental breakdown. 

2017 was a rough year. i wrote 149k. this is the year i started keeping a dedicated expenses spreadsheet. i spent $174 in submission fees. tin house tuition with room and board was a little over $1500 + travel. i thought it was worth it because i met the agent i thought i would later sign, but that didn’t pan out. (i made some great friends though!!) tin house was definitely an unwise financial decision; i paid for it out of what little i managed to save in 2015.

2018, age 28

early in 2018, i went from teaching comp/rhet to creative writing, which only cemented my desire to teach writing as a career. i realized i was far better at teaching writing than writing, but i knew i had to keep writing to keep teaching (shocked pikachu.jpg), so i kept submitting to journals. i got my first story accepted. i didn’t receive any payment for that publication. i quit the bank early in the year (finally! after 10 years!) and was terrified about money, in part because my student loan payments were coming out of deferment and i was still paying off my hospital bills from my breakdown. 

in spring semester, i won a few departmental awards (totaling $500ish) and got a second story accepted (again, no payment). i also got accepted to another workshop which i will not name because i hated it. i graduated in may and defended my thesis in july. the thesis would later become my short story collection, zucchini.

in fall, i stayed on at my school as an adjunct, and started writing training wheels which would later become an original novel called baby. 

i wrote 450k in 2018. i paid $373 in submission fees. i was also nominated for an award for one of my publications but didn’t win. the workshop i went to was like $4000 with room and board (it was a month-long workshop). i got 75% of it covered with scholarships and i paid for the rest of it out of my savings, and even though i’d intended to drive there, my mom ended up buying me a plane ticket. again, i met a lot of big-wig writers i thought for sure would help me get an agent. i told myself i was networking, and that publication was all about Who You Knew. but that turned out not to be true for me.

as an adjunct i made $3200 per course, and i taught 3 classes in fall. in winter, i got my shit together and started applying for creative writing PhDs, mostly to convince my family i was doing something with my life, with no expectation that i would get in. in winter i applied to 2 schools. with application fees and the GRE, i ended up paying well over $500.

2019, age 29

in spring semester, i taught 2 classes while i revised training wheels into baby. when i had a completed manuscript, i finally pulled the plug and used all my networking contacts to get my dream agent i’d met at tin house. i queried her, and a very popular and well-regarded author i’d met at the other workshop emailed her on my behalf to tell her good things about me. i thought for sure i had it in the bag. this author also touched base with a few other agents whom he thought would like my work.

i didn’t hear back from any of them. not even a “no thanks.” i set down querying for a while. 

i got a third story picked up and published around this time, and i was paid $25 for it. they also nominated me for an award, and i don’t think i won? but i can’t find out who did win so idk.

my grandpa passed away and i decided to sell my house and move in with my grandma so she wouldn’t be alone. i got rejected from both PhD programs i applied to and decided to get a “real job” instead, and began applying for random positions that offered health insurance, because i knew i was drastically undermedicated and it was becoming a Problem.

near the end of spring semester, i moved out of my house, put it on the market, and was interviewing for a community development manager position for a nonprofit. at the same time, i found out about another university that was taking late-season applications, and i applied. five days later, i got accepted. one day after that, i got a job offer for the nonprofit. since i had no idea how long it would take for my house to sell, and being unable to afford both rent in a new city and my mortgage payment, i deferred my PhD acceptance for a year and decided to work at the nonprofit for a while. the risk was that i could only defer my admission, not my funding, so there was a chance that the following year i wouldn’t get the same funding package.

i lasted one month at the “real job” before i had another breakdown and ended up quitting. 

my house sold for well under the asking price and i received only $4000 in equity once it was all said and done. that’s a lot of money to me, but considering that i’d been paying on the house for 7 years, i was expecting a lot more.

i had a year to kill until the PhD so i decided to take a break from teaching and apply to artist residencies instead. i applied to 8 residencies and got accepted into 4, but only ended up attending 3, because the 4th was outrageously priced and there was no indication of the cost when i had applied.

in winter i picked up querying agents again. i queried 10 agents every other week. i also got a ghostwriting gig writing children’s books that paid $800 a month.

in 2019 i wrote 417k. i spent $441 in submission fees (to residencies and contests, not agent queries. never pay money to query an agent!!). i ended up teaching 3 classes fall semester.

2020, age 30

i started out the year driving across the country going to residencies. the first cost $100 (no food), the second cost $250 (A LOT OF VERY GOOD FOOD), and the third paid me $500. i was at the third when the pandemic hit.

the query rejections started rolling in. i gave up in february after 60 queries. of those 60, i received 7 manuscript requests for baby, but the consensus was that it was too long and plotless (you got me there.jpg). at the second residency completed and revised zucchini and decided to begin querying with that instead. i could only find a few agents who accepted collections so i only queried 16. i got one request for the manuscript but then didn’t hear back. i gave up in april shortly after the pandemic hit. 

when i figured the collection, like the novel, just wasn’t publishable, i started submitting to contests which is the more standard route for the genre. i submitted to 12 in total and was a finalist in 1. i was rejected or withdrew from the rest.

the PhD program reached out to ask if i was still interested in starting in fall, and i said i was, so they put me in the running for funding again and i was accepted. the stipend was $17k per academic year.

like most of us, i got totally derailed in spring and stopped doing basically everything. the ghostwriting gig started paying $1500 a month and i also started my creative coaching business, which slowly but surely began to supplement my income. i also received the $1200 stimulus. 

when school started, i quit the ghostwriting gig. i had no intention to continue querying either book, but i saw a twitter pitch event called DVpit (diverse voices) and decided to participate. for those who don’t know, a twitter pitch event is where you tweet the pitch for your book and use the hashtag, and agents scroll through the tag and like tweets. if an agent likes your tweet, you query them. 

i got one like, so i followed up with the query. the agent asked for the full MS and a couple weeks later followed up with the offer for representation. we talked on the phone, she sent me the contract, i asked for a couple changes, and then signed! 

so far this year i’ve written 375k and paid $518 in submission fees. i’ll give more details when i do my end of year roundup next month. oh, and i finally paid off my student loans.

totals

word count: 2.3 million

agent queries: 77

agent MS requests: 9

agent rejections: 28

agent no responses: 44

short story submissions: 86

short story acceptances: 3

short story income: $25

total submission/application fees: $1472

my (final) query letter

honestly this query letter probably isn’t very good which is why i got such a minimal response, but it got the job done eventually.

Thank you for expressing interest in ZUCCHINI through this year's DVpit event.

ZUCCHINI is a collection that views sex through an asexual lens. It poses inquiries into constructs like gender, sexuality, and love to dissect the patriarchal/puritanical foundations from which our social perspectives often derive. Being a collection about asexuality, each story portrays a relationship that develops from forms of attraction other than physical.

In one story, a grieving widow purchases her first sex toy; in another, a woman uses sex to cope with the death of her abusive father, and later in the collection faces the long road to recovery; an administrative assistant seeks out a codependent relationship with her boss; a masochist hires a professional sadist to lead him toward self-actualization; a woman begins to recover from her sexual assault by staging a reenactment on her own terms; and lastly, two lifelong friends in a queerplatonic relationship decide to get married. Asexuality is an under-acknowledged identity within the LGBTQIA community and is often misunderstood. In seven stories, ZUCCHINI dissects the notion of attraction, explores the intersections of sexual identity and trauma recovery, and conveys the experience of intimacy without physical desire.

Three stories in the collection have been published in literary magazines. “Lien” appeared in volume 24 of Quarter After Eight and was nominated for the PEN/Robert J. Dau Short Story Prize for Emerging Writers. “An Informed Purchase” appeared in the summer 2018 issue of Midwestern Gothic and won the Jordan-Goodman Prize in Fiction. “The Ashtray” appeared in issue 16 of Rivet Journal and has been nominated for a 2020 Pushcart Prize.

Complete at 53,000 words, ZUCCHINI is a collection in conversation with Carmen Maria Machado’s HER BODY AND OTHER PARTIES, Lauren Groff’s FLORIDA, and Samantha Hunt’s THE DARK DARK.

If ZUCCHINI is of interest to you, I would be happy to send you the manuscript. Per your guidelines, I've appended the first twenty pages below, which is the entirety of the first story.

what comes next

i’m going to spend january revising the collection per my agent’s feedback. when i send it back to her, she’ll shoot it out to the first round of publishers. my understanding is that the goal is to get multiple offers on it so that it has to go to auction. if there are no offers, she’ll do another round of submissions, and so on, until we’ve exhausted our options. if that happens, we’ll reassess, but by then hopefully i’ll have another novel finished.

meanwhile, i’ll be continuing the PhD which entails teaching a 2/2, workshop, and 2 lit seminars per semester. i’m also still doing my creative coaching, writing fanfic, and working on my original projects. in summer, i’ll finally be moving to hopefully start going to school in person next fall. 

the PhD is a 3 year program with an optional fourth year. i don’t see myself finishing in 3 years so i do plan to take the extra year unless something comes up. after the PhD, i’m not sure what i’ll do. a lot will probably change by then so i’m trying not to commit to one idea. i might apply to post-doc fellowships and tenure track positions, or i might leave the country and teach overseas, or i might move to LA and try to get in a writer’s room somewhere. i’ve got a lot of options.

overall thoughts/stuff i learned

first of all, you don’t have to go through all of this to publish a book. you could feasibly just write a book and query agents. the only reason it took me this long is because my PTSD brain was sabotaging me every step of the way and i didn’t start taking anything seriously until i found something i was willing to fight for (teaching). i went the MFA/literary route but other, faster routes are just as good. maybe better. probably better. actually if there’s any chance you can go a different route, you should take it.

reflecting on all of this, very little of it has anything to do with talent or being a good writer. nor does it have to do with being at the right place at the right time. i’ve only made it this far because i took very small steps over and over again, and during that walk met people who could help me -- the authors who have mentored me, the editors who accepted my stories, the agent who signed me. and as i got further along my path, i started being able to help other writers in the way i was helped. 

i don’t believe i’ll ever be a great writer. the best thing i can say about my writing is that it’s competent and accessible. everything i write sets out to do something and most of the time it gets the job done. i don’t imagine i’ll ever be able to financially support myself with publishing, and i’ll certainly never be famous or well-known, but i’m good enough to keep making progress. i’ll probably continue to find opportunities that are adjacent to writing and that will keep me afloat, pending my health and provided the country doesn’t devolve into civil war. 

probably the most important thing i learned in all this is that having a wide appeal isn’t the goal. you don’t write to be lauded or liked. you have to stay as true to yourself and your interests as you possibly can, so that the people who come across your path can see you and help you. you’ll need those people; no one gets anywhere alone. if you pander, if you’re too concerned with praise and success or being adored, you won’t make it very far. the rejection will eventually kill you. 

with all that said, my advice to you is this: never stop writing. the ability to share our stories is the single most precious thing we have. you can’t let anything stop you from telling your stories the way you need them to be told.

[societysonlooker]

Hey guys so heres some food for thought: I ho to college in 2020, work 20 hours a week and make minimum wage. I am in a scholars group at my school and as a result get a third of my tuition in scholarships. The rest of my tuition is paid by a state program for households who make below 125k a year.

In 1980 my mother went to the same school, worked 15 hours a week, and made less then minimum wage, as she was a waitress. She had no scholarships.

The difference? She could afford to pay for her education by herself, and with her remaining pay was able to pay for an apartment with her also minimum wage, part-time worker boyfriend, who was also paying for his own education. They were 18. In highschool, they bought their own cars with their own money.

Meanwhile,

I can barely pay my phone and car bill, and my housing at my college is on loan.

I will owe my school 60k, plus interest when I graduate in housing alone. If i choose to leave my state and work somewhere else before my 5 years out of college are up, i will owe my state 16k plus interest. I go to the cheapest university in my state, and my prospective salary out of college if I get my master's is 30k a year. Meanwhile, I will be at least 60k in debt. I'm lucky enough that my parents were willing to take a lot of the loans in their names, because at least my credit wont be screwed if I ever cant pay, I'll just have to pay them back.

Explain to me how this is ok.

My tuition is 6k a year, and my room and board 15 k a year. Additionally, the mandatory meal plan for on campus freshman is 1500 a semester. Right now, I'm paying for that with the local scholarships I won in my hometown. I applied to over 60 scholarships, writing them at lunch and between school ending and driver's ed. In the meantime. I'd been driving illegally for months to get to doctors appointments, go grocery shopping, and take care of my friends whose parents couldnt give less of a shit about them.

Last semester I went through burnout. I finally broke amd couldnt do more then just go to my classes. I was seriously depressed, and took it out on myself. If I could drag myself down to the dining halls it was a miracle. There were times I wanted to cook, but my dorm had an ant problem the school wouldnt fix, so we couldnt keep food in there. I lost 20 pounds in 3 weeks, then gained all of it back the next two weeks, and over the rest of the semester gained another 15 pounds. I wanted to kill myself for the first time in over a year. I was isolated, alone, and was both constantly freezing and in the dark, because my room had three outside walls, but only had one window, and our heating was broken, yet the school refused to fix it, saying there was nothing wrong with it (the METAL vents were literally freezing to the touch and my plants above them would have ice covering the dirt the mornings after I'd water them but o-fucking-k). And that was all great for my S.A.D. I couldnt even talk to my friend from highschool cause they're all in different time zones. Unsurprisingly, I failed 2 classes and got all C's in the rest, except, ironically, my calculus class, which I had failed in hs. In calc, I got a B.

And now, because my gpa is below a 2.8, I could lose my scholarship. And if that happened I'd have to drop out. And theres no way to get help for it. It doesnt matter than I experienced burnout. It doesnt matter I had a major depressive episode and could hardly function. It doesnt matter my school was refusing to help my living situation while extorting 2k a month for one bedroom with less then 100 sq feet, a shared bath and no kitchen. Or that alone I would spend MAYBE 400 dollars in groceries in the same 15 weeks my school made me pay 1500 dollars for. I promise you, I'm not eating a hundred dollars in food a day. Especially when Every. Single. Meal. Is pork with a shitty green doused in far too much oil and rice. (Dear gods please just serve a fucking burger or some chicken for fucks sake half your students are Muslim and Jewish and all you fucking serve is pork).

There is something wrong here, and its that we dont care about people. It's that my roomate cant come live on campus next year because her parents had to choose between her room and board or their mortgage. It's that my ex's mom had a legal battle with the school about why his classes he failed last semester need to be rendered incomplete instead of fails, because he had MULTIPLE STOMACH ULCERS, and COULD NOT get out of bed most days. It's that I went through legitimate medical struggles, and may not be able to return to college because of the financial crisis they may yet cause me if I dont get straight A's this semester.

Currently, living at home and taking my classes online, I am doing exponentially better than I was ever doing at school. EVEN THOUGH I also have to deal with my family, who in the past, has been incredibly abusive to me. My grades are improving due to the familiarity of home and my reduced anxiety about planning my day around getting to classes. Next semester, I wont be able to continue taking my classes online, because my school doesnt offer it.

My dorm has a system that you cannot host the same guest in your dorm overnight more than 6 times a semester, even someone who lives on campus. Even if you have an extra bed that you're paying for to keep empty. And if that's not the most poorly hidden attempt at stopping students from letting homeless students or friends live in what is basically the apartment they pay for, then idk what the fuck is.

Currently, my math professor gave us two options for the textbook: we can buy the $130, 70 page book the department wants us to buy, written by some department head and his friends, or we can use the free PDF of the textbook my professor --the man who writes the tests-- wrote.

And listen its 230 in the morning but like,

The college system is the most ableist, classist thing I've ever seen, and I fucking hate it. Fuck tuition, fuck room and board, fuck meal plans, fuck textbook schemes. Fuck everything.

[notebooknebula]

Brad Smotherman on Flipping Real Estate

https://www.jayconner.com/brad-smotherman-on-flipping-real-estate/

Brad Smotherman manages a 7 figure flipping business, and hold notes across Middle Tennessee. We invest in multiple states, and have houses from Michigan to Georgia right now.

Real Estate Cashflow Conference: https://www.jayconner.com/learnrealestate/

Free Webinar: https://www.jayconner.com/training/wtgtmn-webinar-rev2-podcast/?oprid=&ref=42135

Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $64,000 per deal.

The Private Money Academy http://www.JayConner.com/Trial

———————————————————————-

Jay Conner (00:01): Well, hello there! And welcome to another exciting episode of Real Estate Investing with Jay Conner. I’m Jay Conner, your host of the show. Also known as The Private Money Authority. And if you’re brand new to the show, here on this show, we talk about all things that relate to real estate investing. We talk about investing in single family houses, commercial projects, small apartments, self storage, land deals, notes. And we also talk about how to get funding for those deals creatively and with private money. Now, if you’re brand new to this show, I’m known as The Private Money Authority, because from 2003 to 2009, I relied on the local banks and mortgage companies to fund my deals. But then I got cut off with no notice in 2009, but it was one of the biggest blessing in disguise. I was introduced to this wonderful world of private money.

Jay Conner (01:02): Since that time I’ve never missed out on a deal. I’ve rehabbed over 400 houses. Done even more deals creatively. And the reason I’ve never missed out on a deal since 2009 is because I got the cash ready to buy those all cash deals. And as we know, most of the sellers require all the money. So I’ve got a brand new free gift for everybody that’s tuning here on the show. And that is, I just launched The Private Money Academy. Which is a monthly membership where we actually have two live zoom conference a month with yes, yours truly me. For at least an hour to an hour and a half answering all your real estate investing questions. Getting you plugged into private money and funding for your deals. And we also have a hot seat session where we will take one of the members of the Academy, put you in the hot seat, analyze your business, and create a plan to take you and your business to the next level.

Jay Conner (01:57): So I have a free gift for everybody tuning in, and that is four weeks absolute free access to The Private Money Academy. And you get to come on the next two live shows for the Academy membership. Absolutely for free! You can take advantage of that and learn all about it after the show today at http://www.JayConner.com/Trial that’s http://JayConner.com/Trial Be sure and check that out, come on in to the membership for free, and I’ll see you on the inside of those live zoom conference coaching calls.

Jay Conner (02:41): Well, as you know, if you’ve been tuning in to Real Estate Investing with Jay Conner, we have amazing guests and experts here on the show. And today is no exception. Before I bring my special guest out of the green room and here to the forefront. Let me tell you just a little bit about him. Well, my guest today is a real estate investor and a mentor. And he owns and manages a seven figure per year flipping business. So my guest and I, we’ve got a lot in common. Well, his passion is being a top house flipper in the nation. And his other passion is also helping other newer investors build a sustainable real estate investing company. Well, with 11 years, he started back in 2010 on the real estate investing side. With 11 years in the real estate investing business, he’s invested in over 15 States. And yes, today on today’s show, we’re going to be talking about how do you do this business remotely and totally virtually.

Jay Conner (03:41): He also has houses all the way from Michigan to Georgia. And today he has completed over 550 transactions today. Yes, he knows what he’s talking about from experience. In addition to that, he focuses on buying single family flips creatively. Using both subject to the existing note strategy, and he buys a lot with owner financing. In fact, he is known as the Owner Finance Guy. He also uses the strategy of selling retail or with owner financing, with creating wrap around notes. I know you’ve heard that terminology. Wrapping around a note. And if that’s sort of a new term to you or an old term, and you don’t know what it means, we’re going to talk about that on today’s show as well and how you can utilize that strategy as well.

Jay Conner (04:34): Well, he is also the host of one of the top 100 business podcasts in the nation. And the name of his podcast is Investor Creator. And there on the podcast, he teaches new and seasoned real estate investors. How to take their house flipping business to a multiple six or even seven figure income without sacrificing freedom. After all, what do we want in this real estate investing world is, wealth and freedom. And my guest today is an expert in that area. My guest lives in Nashville, Tennessee. And with that, welcome to the show, my friend and expert, Mr. Brad Smotherman! Brad, welcome to the show!

Brad Smotherman (05:18): Jay, I appreciate you having me on. I have a feeling we’re going to have so much fun with this. I’m just going to have to take a nap after we get done.

Jay Conner (05:24): Yes, you are! My lands! Brad, I’m so excited to have you on. And I know just by your intro, your bio and the short period of time that we’ve been around each other, we’ve got a lot in common. In fact, my best guess, one of your core values, and one of your secrets to success is having the mindset and the framework of putting other people first, having their interests ahead of your interest. Would you agree with that?

Brad Smotherman (05:52): Hundred percent! A hundred percent!

Jay Conner (05:54): So Brad, first of all, you look entirely too young to be this successful, but anyway, I’ll go beyond that statement pretty quickly. You’re from Nashville, Tennessee. You grow up in Nashville?

Brad Smotherman (06:06): I did. Born and raised.

Jay Conner (06:08): You’re sing country?

Brad Smotherman (06:10): No. I don’t see anything. And that’s a good thing for everybody that would have to listen. So for the people that know how to sing it I’ll just listen politely like everyone else.

Jay Conner (06:20): But now you enjoy going to the Grand Ole Opry, right?

Brad Smotherman (06:22): Oh, certainly! And like I was telling you guys before I’m out taking my grandmother to see Merle Haggard there twice, and we saw George Jones once and just had a great time. So, absolutely!

Jay Conner (06:33): That’s awesome. Well, I’m excited to have you here on the show today. Brad, because you’re known as the owner financed guy. You’re an expert in the area of buying houses on terms controlling them creatively or whatever. So first of all, if you would explain to the audience, what is your business model look like?

Brad Smotherman (06:59): Well, I think my business model is a little bit different than most because everybody out there, especially the past five or six years, what they wanted to do is, you know, they wanted to wholesale something. They wanted to fix something and flip it. And you know, the past 10 years we’ve had an explosion of these fix and flip TV shows. And frankly, Jay, those shows just give me anxiety. Like I can’t watch them. Literally. I went to the dentist the other day and asked me what I wanted to watch as I’m sitting there in the chair. I was like anything, but this HGTV stuff, right?

Jay Conner (07:25): Well, wait a minute, Brad. Now, why would I, why would a reality show that I’m sure is real, that shows you how to make a hundred grand in 30 minutes with no headaches. Why would that give you anxiety?

Brad Smotherman (07:36): Well, just like, you know, I mean, it’s not real. And then, you know, secondly, I’m looking at what they’re spending on the kitchen. I’m thinking I could do it for a sixth of that. And then the person buying the house, it’s like, well, what do you do for a living? And they say, well, we catch butterflies and rainbows all day. And our budget’s 2 million bucks and it’s just like, it just doesn’t seem exactly genuine to me. But maybe they’re just in a different market, a better market than I’ve ever seen. Let’s just say that.

Jay Conner (08:01): Yeah! I get it, Brother, I get it. Sorry to interrupt. What’s your business model looks like?

Brad Smotherman (08:04): Yeah. And that’s a hundred percent fine. So, you know, I started in 2010 and my background was very similar to yours in a certain way, although I didn’t live it. So I worked for a builder developer. Well, I sold real estate through college and everything was going really, really well up until the crash of ’08. And in 2009, the bankers came in and said, well, sorry, we’re going to have to call your loan. You have 30 days to pay us off. And as you know, during that time, there’s really no way to refinance commercial lending, you know, especially a development loan. And so it bankrupted them. And luckily I was able to learn the lessons from the crash without actually having to be involved in the crash. And so when that happened, I realized very quickly, I didn’t want bank money in my business. Very similar to what you’re dealing with. Right?

Brad Smotherman (08:46): So it’s like, guys, being able to raise private money is paramount to this business. Like what Jay is talking about is super, super important. But, so I got started in 2010 and back then, you really couldn’t wholesale because no, very few people had an equity position that was big enough to where you could wholesale it. And then also the fix and flip model was very difficult because that couldn’t get money. And so I had to find another way. Well, what I found worked. Has always worked and what I feel will always work is creating owner financing. And so what we do is we buy creatively when we buy and then we sell with owner financing and a vast majority of our transactions. We still go retail at times and that’s okay. But what we want to do is we want to create longterm cash flow with longterm capital assets. And for me, I’d rather have that in mortgage notes. I feel like it’s far more scalable than rentals. We’re able to get paid to take the note in most of our transactions. It’s not like I’m putting cash out there to invest. We’re getting longterm assets given to us. And I just had to find another way because I couldn’t, I didn’t want to wholesale, I couldn’t wholesale. And the fix and flip model looked like really difficult to me during that time. And so we’ve been pretty much doing a similar model ever since.

Jay Conner (09:53): So to recap what you just said, tell me if I got it right. Your core model is buy on terms, buy with owner financing, buy with subject to, buying creatively without paying all the cash. Take that same property, turn around and sell it creatively to a new buyer with owner financing or what have you. So let’s break that down. First of all, you said, the reason you do that is because you want to build longterm wealth by leveraging an asset that’s going to continue to pay you monthly for a long time. Is that right?

Brad Smotherman (10:38): A hundred percent. That’s right.

Jay Conner (10:40): So in today’s market, I know from my own business, I know from my students’ businesses that finding a deal today in the multiple listing service is a bonus. The deals are not in the multiple listing service buying large. So we have to find our deals off market. We have to find houses that are not in the multiple listing service. So if you don’t mind pulling back the curtain for us just a little bit and give us a little sneak peek as to what is working for you today to find these people that have houses for sale, or maybe they haven’t considered selling their house. How do you find these deals?

Brad Smotherman (11:30): That’s a great question. Well, I mean, as we know, everything starts with a motivated seller. So the foundation of the business is marketing for motivated sellers. Now for me, real estate is a means to an end. I mean, if I can do this business with dump trucks or swimming pools, I would do that. I’m not in love with houses. They break, they smell bad. Some of them. One of my apprentices yesterday in San Antonio, he’s buying a house that has 70 cats in it. And I can’t imagine how bad that is, but you know, at the end of the day, marketing comes down to two different avenues. We can do sweat marketing, or we can do paid marketing. Man. When I started, I didn’t have any money. So I had to do the sweat marketing side of things. And so the examples of that would be, you know, putting out bandit signs, you know, although you’re paying for the sign, what I would do is I would put them out Friday night and pull them up early Monday morning.

Brad Smotherman (12:13): And so a hundred signs, a couple of hundred bucks would last me three or four months, right? So that’s more of a sweat technique as opposed to leaving them out. Another one that were having a lot of success with is actually networking with wholesalers because wholesalers are slave to the 70% rule. We’re able to go in and do deals that they can’t do, right? Because we buy creatively as opposed to just throwing cash offers around all over the place. Right? So I’ve got an apprentice in Texas. He’s done three transactions this month, where wholesalers are bringing him the deal. You know, one of them is at a 0% owner finance rate. Now why a wholesaler would want to make a $5,000 assignment fee on a deal where we’ve got like four years and this thing is going to be paid off and we’ve got an $80,000 note on it.

Brad Smotherman (12:55): I don’t really understand. Okay. So that’s a couple of options in terms of sweat marketing. What I hope for people is that they understand that marketing is an investment. It’s not a cost. So effective marketing should at a minimum of 25 X. So if you’re spending a thousand dollars in effective marketing per month, you should over time buy at $25,000 per month in equity. Right? As an average. Now, what I hope for people is that if you have to start with the sweat side, that you go to the paid marketing side, as soon as you can. Okay? So in my world, the best paid marketing that we can do is Pay-per-Click so being there on Google ads, whenever they’re there, like people are searching for us. Searching, sell my house fast, or companies that buy houses. We want to be there. When people have already realized that they have a problem and we can be there to offer a solution, but it has to be done very well. I know a lot of people that have lost a lot of money when it comes to doing Pay-per-Click campaigns, because they don’t understand how to drive traffic number one, and how to create conversion. Once someone is, has landed on a page number two, but those are examples of sweat marketing paid marketing that we use in our business.

Jay Conner (13:57): Excellent! So as we know, and most of our audience here knows. When talking to an off market seller, a person that owns a single family house, you know, they don’t have it in the multiple listing service. They have some type of motivation. Most of these people are going to be anticipating when you’re starting that conversation with them of you buying their house. Most of these people like 99% of them are more having their mind that, well, if I sell my house, I’m going to get all the money, right? I mean, it’s like, that’s the traditional way. I sell a house, I get all the money. But now, you come along and you are going to be talking to them about creative selling or them becoming the bank. Or there’s a note and they’re going to get payments. What are your secrets? And as our friend Eddie would say, talk off points. Well, what are you, what are your secrets or scraping that takes a person that’s never considered selling on terms and waiting for all their money over time, from the point of then expecting to get all the cash up front?

Brad Smotherman (15:06): That’s a great question. And what I would submit to you is the first thing that we can’t do is make offers. So in my world, I really feel like an offer is a commodity to shop. And I can’t even begin to tell you how many houses that we’ve gone in and bought because, you know, two or three other investors had gone in and left an offer behind for them to think about. And then we come in because we won’t give them our price. They’re giving us a price. We’re making sure that that’s the least that they will take. And then we’re going to switch it to terms. So let’s say that someone says, well, and we talk about things in terms of cash at closing. So if somebody owes a hundred thousand dollars and they want to sell the property for 115, then I’m going to switch it and say, well, so your cash at closing is $15,000.

Brad Smotherman (15:48): So assuming that they would sell to me for that $15,000 cash at closing, then I’m going to say, well, you know, I can do that. If we can do it another way, and this is how we can make it work. So I’ve never given them a price and they’ve given me the price. So I mean, what we’ve done there is we’ve made it very difficult for them at that point to really begin to pull back and think about it because we’re giving them their number. We never give a price ever. Now, Jay, there’s some times that we do pay cash for properties, we just bought one outside of Huntsville, Alabama, about a month ago that the people had paid $160,000 cash for it in 2012, we paid 15,000 for it. And, you know, it’s like at that price, I don’t really feel the need to negotiate terms.

Brad Smotherman (16:29): You know, it’s like, we’ll just pay the 15K. And I thought about it. It kinda hurt my feelings to not get 0% owner financing on that 15. But I was like, you know, they need the money. They need the 15 grand we’ll just go ahead and pay it. But the short answer is I think the real skill is to, to be able to negotiate with people, without giving them a price, giving them an offer. I feel like if you give an offer, it’s a commodity, a commodity for them to shop. I also think it’s kind of acrimonious. People feel like they’re good negotiators because somebody can say, well, I want $200,000 from our house. And you can say, well, how does a hundred thousand sound? I don’t think that’s negotiation at all. I think that’s horse trading. And like my family came from the agriculture world.

Brad Smotherman (17:09): So, I mean, we were pig farmers. I mean, and I saw that growing up all the time, you know, that doesn’t work for houses as well. Like if we can make people realize that we’re not there to take advantage, if we can make the number work, then we will make it work. But there’s equity. There’s two types of equity. There’s equity at price and equity in terms. So if we can create equity in terms, a lot of times that’s a better equity position for us to have as a longterm play, as opposed to just like really working in the 70%. If that makes sense.

Jay Conner (17:37): Do you ever offer or give multiple offers or multiple strategies of saying, okay, if you want your price, we can do it this way. If you’ve got to have all cash, we can do it this way. And if you want a third option, we can do it this way. Or do you, most of the time stay with say the the terms negotiation and conversation?

Brad Smotherman (18:02): And that’s a great question. So we don’t do like the three offer strategy of like, we can do it this way, this way, or this way, this way, because what I’ve found, at least in my own personal experiences that I had people say, well, I want this price with that term.

Jay Conner (18:14): They want to pick and choose the way they want it.

Brad Smotherman (18:18): Yeah. It was like, we’ll take this closing date. We’ll take that price with those terms. It’s like, well, that’s not really how it works. What I’ll say to that is it’s really common for us to, to bounce back and forth between price and terms. So if someone says, okay, this is the price that we want, they’ll say, well, if you want it like that, here’s how we can make that work. And they said, well, that doesn’t work for us. And then we’ll go back and say, well, is that price the least you would take? And so we start talking about pricing in. And I’ve had situations where we have to kind of go back and forth three or four times before we land somewhere. And it’s generally somewhere kind of in the middle that we find that people will work within kind of the median based on what they’re hoping for. You know, if we can substantiate pricing and values and costs to where we can show like, Hey, these are the numbers that you’re working with. Like, this is the value. This is the cost to get it there. Here’s my breakeven number. You know, what are you hoping for your cash at closing people generally tend to be a little bit more reasonable if we can substantiate why they should accept a lower price and what they were hoping for.

Jay Conner (19:15): When you have someone that is agreeable or at least open. They’re open to the idea Terms and, you know, taking payments or equity over time or whatever. Do you, in your, in your conversation, do you tell them how long or how long the term of the note would be? Or do you ask them what’s the longest they could go? Or how do you get to that agreeable length of the note?

Brad Smotherman (19:51): Yeah. So what we talk about is in terms of some now and some later, so we’re going to talk about it and say, okay, how much cash do you need at closing to make it work? And they’ll give us a number and we’ll kind of negotiate that. It’s like, okay, if I can get you X at closing, then how soon were you hoping to get, no, we do it this way. We can either do payments every month, like an annuity or retirement plan, or we can do a lump sum in the future, which were you hoping for? Generally, people kind of gravitate towards the payments per month. But the thing that we never mentioned is interest. Okay. We never really talk about terms. We’re going to talk about it in terms of, you know, $20,000 at closing and $500 per month until paid.

Brad Smotherman (20:27): And so people are kind of looking at that and saying, especially if they’re a landlord. Guys, if you’re, if you’re dealing with a landlord that has free and clear property and they’re tired landlord, you should absolutely be able to negotiate owner financing because these people are open to receiving payments. That’s what they bought the property for in the first place. Well, if we can just kind of segment it to being like, well, how much do you need at closing? What would you like a lump sum in the future? Or would you like monthly payments? Generally, they’re going to say, well, I’d love monthly payments and we can negotiate something, but we never really talk about it in terms of, well, it’s a 10 year loan and here’s the rate we never mentioned. Certainly we’d never mentioned interest. We don’t really ever talk about the term as well.

Jay Conner (21:03): So you would agree that most of the terms that you structure are payments with no interests?

Brad Smotherman (21:10): Correct. A hundred percent. I’ve only paid interest twice on owner finance deals. And both of those were properties I wanted. They were both lake properties and I was like, I’ve gotta have this. I think I paid a 3% rate on one and four and a half on the others.

Jay Conner (21:24): I love it! I love it! Well, Brad, now let’s really change gears from the owner financing thing and the term thing to this world that you’re in of investing remotely. My lands! You are in, you’ve invested in 15 States. You invest from Michigan to Georgia. And when I asked you a question that could take you three days to answer, but you got about three minutes instead.

Brad Smotherman (21:55): We’ll work with that.

Jay Conner (21:55): But how in the world do you invest remotely in 15 different States? And we know what, we know everybody’s concerns are. I mean, how do you find those deals, you know, out there in a different state, what’s your boots on the ground? How do you make sure you’re not being taken to the cleaners? How do you manage all that stuff remotely? And you know, my land! You can’t drive by it and see what’s happening to the property. I mean, what does that world look like?

Brad Smotherman (22:24): Yeah. And you’re right. That would be about a three hour answer. But to put it into three minutes, the first fundamental that we have to understand is that the farther away we are from our own personal market, the cheaper the property must be. So we have to have a higher discount. Now, I’ll buy something at 60 cents on the dollar cash in my backyard, but I’m definitely not going to do that, you know two States away, right. So we have to have a greater discount because you’re a hundred percent, right. We’re going to have issues that we don’t expect right now. We don’t have, you know, a large amount of like workforce that can help us in these deals generally. Right. So what we’re going to do is we market to areas that we like, okay. And because we’re marketing in big geographic areas, our lead cost is actually quite a bit lower.

Brad Smotherman (23:12): It’s substantially lower. So we can do one of two things. We can either have a lower ad budget, or we can keep our ad budget the same and have maybe three or four times a lead flow. Okay. So let’s just say we have four times the lead flow. Well, what that means is that, that deal that comes around twice a year, three times a year is going to happen for me roughly every two months. Or, you know, the deal that happens every four months is going to happen for me every month. So I can be a little bit more picky based on what I’m looking at. And so in terms of the value, the decisions are very easy, actually. So I mean, case in point, we just bought one in Montgomery, Alabama. The property had a comp across the street that sold in in February for 76,000, we bought this one for 13, so we have it under contract.

Brad Smotherman (23:59): And so once we have an under contract, we go into due diligence. So the first thing we’re going to look at is value. So what is the value based on what we expect right now? So we feel like roughly this thing’s worth $75,000 and I can probably owner finance it for 89 or maybe 99,000 with a 10K down payment. You know, at a minimum 10K. So with that, we’re gonna talk to two or three brokers in that market, real estate agents that are gonna give us CMAs. Give us an idea of value. And then we’re going to then once the value looks okay, we’re going to switch to condition. So we’re going to get actually a home inspection on this property. Okay guys, once we have three different CMAs from agents and they all kind of make sense for one another, like there’s congruency in those three CMAs, and then we go and we get the home inspection, we’re going to know really everything that we need to know in terms of that property, especially with the discounts that we’re buying.

Brad Smotherman (24:48): So, I mean, the question being is that a little bit more risky than buying it around backyard? It certainly is. Whenever, if you were paying dollar for dollar the same amount, but if you’re paying 60 cents in your own backyard or 20 cents in another state, then I would ask you, well, which is more risky at that point. Okay. So short answer, we’re going to get things under contract that we feel pretty comfortable with. Then we’re going to verify and find the facts that we know and what we don’t know. At that point, we’re going to make a final decision. Sometimes we have to renegotiate price most of the time we don’t, because it’s just such a severe discount on the front end. And I mean, in terms of management, the thing is that we’re owner financing most of these, almost all. And so if we’re owner financing things, we’re serving the least served in the most underserved buyer pool in the country.

Brad Smotherman (25:32): There’s a lot of people that need owner financing. And since March, this is what I heard from Eddie Speed yesterday. And Jay, I know, you know, Eddie. So he said that if a hundred people could get a mortgage in March before this COVID thing hit, then right now there’s 64 people that can get a mortgage that’s left out of those hundred. Well, what happened to those other 36 people? Did they just decide not to buy? Well, no, they need owner financing at this point. So we’re serving a very needed, a very underserved buyer pool that needs owner financing. So sell the house with owner financing, create the note. I don’t want ownership and property. I feel like property is liability. We want to own the paper. Okay. So we create owner financing. So the house owner financing to have a longterm cash flowing asset. And in a nutshell, that’s how we buy remotely.

Jay Conner (26:18): To what extent do you buy houses remotely with owner financing? To what extent is, are you comfortable with the amount of repairs or rehabbing involved?

Brad Smotherman (26:33): Yeah. I mean, we’re not going to rehab anything. So if the property means that the grass cut, somebody better go cut the grass because we’re going to buy it. We’re going to sell it as is, you know, the best example that I have with this. I had a house that I bought for $2,000 one time. And now I don’t understand why people do what they do sometimes. Jay, I know that doesn’t resonate with you. I’m sure that you’ve never seen anything that didn’t make sense. But for me, I see a lot of things that don’t make sense in my world. And this lady sold me the house for $2,000 and she had just done new vinyl and new windows on the exterior. They surely looked great, but she said, I don’t want you to go in the house because I’m afraid you won’t buy it.

Brad Smotherman (27:07): This was maybe six or seven years ago. And I’m actually going to look at houses. I said, well, respectfully, I have to go look at, you know, I have to go inside. And so this lady, the roof look kind of bad, but I didn’t realize how bad the roof was. She did new vinyl, new windows. She didn’t do the roof. And so water had been pouring into this house for like four or five years. And so like, literally the back half of this thing was gone. I mean, it was like molded. It was soft, the subfloor, you couldn’t stand in the kitchen, all this, it was a mess! But we sold it with owner financing. As is! Like, I’m not going to do that kind of construction. I’m not a construction guy. Literally I had to come over. I had to have a handyman come to my house and replace the doorknobs because I don’t know how to do any of that stuff. So like, I’m terrible.

Jay Conner (27:46): You and I have something else in common, my friend!

Brad Smotherman (27:49): Glad to hear that, man! I think we’re like kindered souls just, probably not from the same parents, just generationally, but you know what I’m saying? We’re cut from the same cloth.

Jay Conner (28:00): A brother from another mother.

Brad Smotherman (28:04): For sure.

Jay Conner (28:07): So you’re not gonna do any, you’re not gonna do any major rehabs. I get it. So my lands! How do you find, so are you finding most of these deals remotely in other States? Again, as you mentioned using Pay-Per-Click. Google Pay-per-Click.

Brad Smotherman (28:25): A hundred percent. So, I mean, these are people that are actively searching to solve a problem and we’re there when they need to be.

Jay Conner (28:30): I love it when people are looking for me and I’m not looking for them.

Brad Smotherman (28:34): Big difference because people don’t understand the difference in the negotiation structure. So, I mean, if I’m contacting someone to sell me something, versus someone contacting me to buy something, that’s a huge difference in the frame of negotiation. And so we always want to be where someone is searching for us. If we can be, of course, there’s always exceptions. You know, like anything works some of the times. So we can do the text, we can do the direct mail. I used to do 70,000 direct mailers a month. I don’t do any of that anymore because it comes down to, I don’t want to contact someone to sell something. I want people contacting me to buy something.

Jay Conner (29:08): Final question, Brad. At least almost final question I have to, I have to precursor that. So we know how you’re finding these deals. You got all these people that need owner financing. They don’t know there’s a way. So how in the world do you get the word out to all these people that you’ve got owner-financed terms available? How do you find the buyers?

Brad Smotherman (29:29): And that’s a great question. So our big three are Craigslist, Facebook marketplace, and then putting yard signs out that say owner financing. And so…

Jay Conner (29:38): My number one on a, so I sell, I don’t do owner financing out here in this market. That’s another conversation. I do a lot of rent to own. I love your model. Regardless. It’s the same buyer, whether they’re buying owner financing or they’re buying rent to own. But with that, Facebook marketplace, hands down. Is my best lead source for finding these owner finance buyers.

Brad Smotherman (30:04): Yeah. It’s really amazing. I’ve got a, I’d say she’s at least half time and probably closer to three quarter time. And the poor girl, she probably has carpal tunnel by now because like you post a house for sale with owner financing and all of these buy-sell-trade groups. And like, you can see like the computer almost begin to melt because it’s overheating from all the people responding. And it makes sense. I mean, it’s really common in a market. So I’m in Nashville, Tennessee. The last time I checked, there were 2,700 houses on the market on the MLS to service everyone that could get mortgage financing. Well, there were three that were offered with owner financing and they were mine. And so it’s like, if that’s the case, you can see the disparity in the supply demand curve. You have a huge group of demand for very, very little inventory. And so selling the houses never really been a problem.

Jay Conner (30:53): I love it! Brad, I know my audience wants to stay connected with you. How can they stay connected with Brad Smotherman?

Brad Smotherman (31:00): Yeah. So for those that are interested more on owner financing and what we do, then you can listen to my podcast, Investor Creator, on iTunes and the various other platforms. And if anybody wants to reach out to me directly, feel free to do so. At http://BradSmotherman.com

Jay Conner (31:13): That’s awesome, Brad! It’s so great to have you here on the show, Brad, I really enjoyed our conversation. I know the audience did as well. And so let me give it to you for parting comments and final advice.

Brad Smotherman (31:26): You know, the thing that I want to say to people is, always would try to instill the amount of hope that I can, you know, I think a lot of people want to do this business and they have a lot of fear. And I remember how that was in 2010 when I started, because you know, I started in the brokerage business. I was a realtor and not a super successful one at that. I made a living, but you know, whenever I decided to be an investor, I thought, gosh, like nobody’s going to leave a loan in place. Nobody’s going to sell out a discount. Nobody’s, you know, and it’s the same thing that I’ve heard, you know, and here’s kind of like the hierarchy of beliefs that fell down for me. I thought nobody would leave alone in place. Well, that happened.

Brad Smotherman (32:01): And then I thought, well, nobody’s going to sell at 50 cents on the dollar. And then that happened. And then I thought, well, nobody’s going to give me 0% owner financing. And then that happened. And then I thought, well, all of this is because we’re that good in person. We can’t do it on the phone. And then we started buying all of those on the phone. And so at the end of the day, I mean, this business works. It’s an amazing business. It changes lives. And if you feel compelled, you have a passion for the business and you have a passion to help people with their problems and you can do very well in this business. Stay with it.

Jay Conner (32:28): That’s awesome! Brad, thank you so much. And thank you! My audience for tuning in. It’s always great to have you here. And I know you found this episode very valuable. I’m Jay Conner, The Private Money Authority. Wishing you all the best and here is to taking your real estate investing business to the next level. And I’ll see you on the next show. Bye for now!

[anne-lister-adventures]

Saturday, 11 April 1840

6

12 1/2

Slept comfortably – Fine morning breakfast at 6 40/’’ and off at 7 1/4 – Government House nobody asked for anything but the soldier who made our fire and waited upon us and he seemed satisfied with the half Silver Ruble I gave him – Very comfortable with our 2 rooms – Finding that we must have 10 horses all the way bethought me to go quick and did the 21 versts in 2 1/4 hours – 

Magnificent narrow defile of wooded rock and hill – Towers – One village Tower seemed to be round generally square, and tapering a little but one Tower very tapering on high projection of rock – Broad bed of river but not much water – glens right – Now at 8 20/’’ pass wood bridge over stream from one of them, and passed another such bridge before – 

The characteristic of these mountains is, sharp ridges and points and deep sillonnemens and rounded ditto ditto ditto as we get lower down – Here trees along the very crête of the high snow-covered back mountains green spots up the glens, and little Legian Sâcles here and there – The mountains of our Defile over the Aragna all wood – Beech, and some poplar and some alder and willow near the water’s edge – Fine sunny morning – 

Our near for wheel-tire coming off – This (at 8 20/’’) the 2d.[2nd] time of stopping 5 minutes to hammer it on – At 9 1/4, 8 pair oxen to a plough, or harrow? and little picturesque village and round Tower and old ruined castle on high wooded rock-ridge above – These old castles and Towers on this side the mountains generally ruined or unoccupied now – Soon after our stoppage at 8 20/’’ the valley opened out to about double width i.e. from about 100 to 200 yards broad and from the last village (at 9 1/4) full 1/4 mile wide valley beautiful as ever – 

Ananoor and its handsome spruce looking castle-fort finely situated on rounded hill in beautiful recess of the valley right – Very picturesque – The most picturesque good handsome old castle like fort we have seen – Several picturesque good huts, and 2 or 3 houses, and a large squad of soldiers – Seems a thriving little place in the midst of wooded mountain beauty – 

Ananuri or, as Anne calls it, “Ananoor”. (Image Source)

Broad streamy river – A-[Ann] sketched the fort from the North East – And I stood (200 or 400 yards lower down on our road forwards) taking its outline from the East – It has 2 great entrances North and South – Very commanding and picturesque and apparently in excellent order – 

The fort at Ananuri. (Image Source)

The postboys once en route impatient to be going on – Jumped into the carriage, and as they would not wait for me, I would not wait for them – Hurried them on as I had done the last stage – Impatient at having twice the horses to go au pas – 

In 1/2 v.[verst] off flew the tire of near fore wheel and before we could pull up the spoke ends were worn an inch shorter – A-[Ann] and I walked and the Kibitkas stopped at the large handsome barracks 1 v.[verst] from Ananoor – After a long delay, it turned out the soldiers could not mend us – 5/- en argent for a little wheel that after all would not do – 10/- en argent asked by a peasant for 4 large heavy wood wheels and commonest of their kind – No! After much talk between George and the Courier (never can get a clear account of what can be done or what not – or make an order understood between them with long parley) sent back one of the post boys for 2 Teleagas, but George saying it was uncertain whether it was first arranged for him to go with the servants’ Kibitka and all the baggage which I had had taken out of ours – And the Courier and Domna walk with us – But when the Courier went about the Teleagas George was to go with the baggage, and Domna walk with us – No! Elle n’était pas marcheuse! She went with the driver, and George and A-[Ann] and I walked – Gave the soldier 1/05 to take charge of our Kibitka till sent for, and the Courier went back and we set off to walk at 12 – 

A-[Ann] and I were in advance till the 2 Teleagas galloped up at 12 1/2 amid several companies of soldiers passing – A young officer stood staring at the change of baggage from the Kibitka to the Teleagas, our bags, and writing cases, and books which I myself mainly arranged – Told him briefly in French our Itinéraire – The thought came over me (foolish for he was too young?) it be Countess A.[Alexandrine] P-‘s[Panin’s] brother – Was he Captain Tolstoy – No! At 1st he said he was Tué – A mésentendue – His French not worth much – Should we stay long at Tiflis? – Cela dépend – Should have des connaissances there – The name of Galovine electric – Bows, &c. – 

From soon after the barracks (from Ananoor the valley widens) the valley still windening and as we ascended the hills of the road from soon after there the beauty gradually decreased till at 12 1/2 we had little more than an ordinary sort of valley neither very fertile, wooded, nor pretty – Drove off at 12 40/’’ we now quite leave valley and beauty and drive over the downs – A droll sort of cut-across-the-field road – In 1/2 hour (at 1 20/’’) from top of down pretty little blue lake in the distance and high sort of large plateau – Then descend – Meet several baggage-carts with the queer elephantish seen-at-Alexandrine oxen – 

Drove down up Dushet (pronouced Dooshet) nice good looking fort, and 1/2 dozen houses – A sort of city in these parts – Arrive at 1 40/’’ – 

The city of Dusheti, seen from the Georgian Military Road. (Image Source)

Pother about sending for our Kibitka – Nobody can explain shortly and clearly and quickly – At 3 the Master of the Post sent a man and 3 horses the 10 1/2 v.[versts] for 2/40 en argent par unne grande complaisance that he would only shew to me – Bien! But he was to pay driver and all – And he said there would be no difficulty about getting from here to the next Station – He would lend us a wheel – 

A-[Ann] and I out at 3 to 6 – She sketching – The Commandant of the ville came and said in German her sketching was not allowed – I referred him to George – He came in – Asked for passports – Read them – Not sufficiently civil at 1st and when more so at last I coldly bowed and never answered his German salutation – Then out sauntering about with with George and lastly with A-[Ann] till 6 – The driver wanting paying – The Postmaster wanted 1/- en argent for the loan of his wheel the 24 v.[versts] to the next Station – Annoyed at this – A peasant asked 12/- en argent to take the Kibitka in his cart from here to Tiflis – Sent word, I would take the wheel and pay the price, and be off at 7 a.m. to go au pas – And at the Station probably arrive with only the one borrowed wheel fit to go farther – All our 3 wheels bad – 

Tea – Had just written so far now at 11 1/2 – In the break down this morning broke my French watch glass – Had warm weak wine and water on arriving – And boiled plums and one boiled egg this evening – Could not eat any bread – Domna poorly – A-[Ann] thinks she will return with the Courier from Tiflis – I told George I thought she was enceinte – He had thought of it this morning – A pretty concern – 

This evening stood by a man weaving cotton not 1/2 yard wide at -/35 per Geogian archine = about 1 English yard – Very simple looms – He sit in little hole dug in the mud ground floor of the room – Cottages quite underground – The people the women afraid of us – Curious oven sunk in the ground floor of the houses –

7 1/4 to 9 1/2 Pasanaoor to Ananoor                         (21)

10 10/’’ to 1 40/’’ A-[Ananoor] to Dooshet               (11 1/2)          

 [in the margin of the page:]            Ananoor

[in the margin of the page:]            Dushet

[in the margin of the page:]            man weav[in]g

[in the margin of the page:]            ver[y] fine day –

Page References: SH:7/ML/E/24/0081

[go-redgirl]

President Donald Trump provided Breitbart News during an exclusive Oval Office interview with a six page document detailing several of his administration’s accomplishments.

The document, which is up to date as of early August and provided by the president to Breitbart News during his Oval Office interview on Monday, goes through what the president said was “page after page” of accomplishments.

This is for you,” President Trump told Breitbart News as he handed the six-page document across the Resolute Desk. “I just had this done. These are the accomplishments. It’s page after page of stuff look—nobody’s done.”

The document contains just one subjective shot at his opponents in the establishment media, echoing the president’s claim that he has boosted television ratings and subscription sales and website traffic for the media. “Saved the NY Times, saved the Washington Post, and saved Cable TV,” reads the first item at the top of the first page.

In that vein, during his interview with Breitbart News, the president took some shots at establishment media outlets like CNN and MSNBC, which he called MSDNC.

“I think CNN is election interference because, you know, they are just an organ pipeline for the DNC. Look at what they do. Same with MSDNC,” Trump said. “Look, MSDNC is an absolute vehicle to get the word out. They should actually pay campaign contributions on what they’re doing. This is about a campaign contribution. I’ve never seen anything like it. MSDNC, CNN, the networks, everything—and yet, here we are. Look. Do you notice, it’s oval? It’s not round. But when you think about it, it’s hard to believe because the press is corrupt a hundred percent. If you look at it, the press is corrupt. Much of it, not all of it, but I would say most of it.”

Trump said that even Fox News has slipped from its former glory.

“Even Fox is not the same. Let’s not kid ourselves,” Trump said. “Fox is a big difference from what it was.”

Then, he made a comment in line with the document, noting that he believes the establishment media will struggle when the day comes he is no longer president, because whoever replaces him—whether it be Democrat Joe Biden next year, or somebody four years from now—will be boring.

“Someday when I’m not here, they’re all gone,” Trump said. “Because nobody is going to write. They’re not going to write about sleepy Joe Biden.”

While the document does have that one gratuitous shot at the media on the top of the first page, the content on the rest of the six pages of material lists several real demonstrable and actual accomplishments of the Trump administration—including during the coronavirus pandemic. This six-page document that the president handed to Breitbart News serves as perhaps the most substantive compilation the president and his team have put together detailing what they have done to help the American people through the worst of the pandemic, as well as several other successes the president has had throughout his administration.

The first major bullet point on the first page is titled: “The Great American Comeback is already underway.” It cites how the Trump administration added 1.8 million jobs in July, “exceeding expectations for the third straight month.” It also notes that Trump oversaw the addition of nine million jobs since May, “surpassing market expectations by a total of 12 million new jobs.”

“Over the last three months, we added over four million leisure and hospitality jobs; 1.47 million retail jobs; 1.17 million education and healthcare jobs; 743,000 service jobs; 623,000 manufacturing jobs; and 639,000 construction jobs,” the document continues.

It notes that half of the new jobs created are full-time, and that wages have increased by 4.8 percent year-over-year. The document cites the rapidly dropping unemployment percentage during the pandemic, now back down as of July to 10.2 percent, and noted that African American and Hispanic job creation has boomed during the past three months, rising by one million and 2.3 million respectively in those communities. Overall, job gains since April, the document from the president says, have recovered 42 percent of jobs lost to the pandemic already with 80 percent of small businesses reopened and retail sales spiking in May and June with a record-setting 18.2 percent increase in May and 7.5 percent increase in June.

The document cites several other economic successes of the Trump administration during the pandemic and then shifts into the next section, which details efforts the president made during the pandemic to provide economic relief to get the country through the worst of times. Walking through the over $3 trillion in relief that the president provided to American workers and businesses, the document says the Trump administration saved “many tens of millions of jobs” through signing the $2 trillion CARES Act, which sent direct cash payments to 80 million American workers, and approved $670 billion for the Paycheck Protection Program (PPP), which has processed more than five million loans to small businesses and, according to the document, “saved 50 million American jobs.” The document also cites Trump’s recent executive actions to provide a payroll tax holiday through the end of the year, an extra $400 per week in unemployment benefits to those who need it, to help stop evictions, and to defer student loan payments.

Then it shifts into public health actions the president has taken to “vanquish COVID-19,” which the document says is “the greatest national mobilization since WWII.” It cites the Trump administration’s travel restrictions on China, Europe, and Iran, as well as the administration developing the “most advanced testing system on earth” that has already conducted 65 million coronavirus tests—and notes that despite the United States being just five percent of the world’s population, this country, thanks to the Trump administration, has conducted 25 percent of the world’s coronavirus tests so far. The document cites “Operation Warp Speed,” which has moved three vaccine candidates into Phase Three trials already–a “record time” for vaccine production–and the recently announced $1 billion deal with Johnson & Johnson to “manufacture and distribute 100 million doses” of vaccine when approved.

The document notes that the Trump administration has “reduced mortality by 85% since April through the use of therapies such as Remdesivir, dexamethasone, and antibody treatments.” It notes that the Trump administration has “secured over 4.1 million doses of Remdesivir, enough to treat over 650,000 patients,” and has “treated 86,000 Americans with convalescent plasma” which can “reduce mortality by 50%.” It notes too that more than 230 more clinical trials are underway for more potential emerging treatments.

As for personal protective equipment, the document the president gave to Breitbart News noted that the administration has coordinated with private sector partners to deliver more than 196 million N95 respirator masks, 815 million surgical masks, 20 billion gloves, 34 million face shields, and 354 million gowns. The document says the administration has “replenished the long-neglected National Stockpile by tripling the number of N95 masks on hand to over 45 million,” tripled the number of gowns available to 15 million, and quadrupled the number of ventilators to 75,000. It also says the administration, using the Defense Production Act, “awarded contracts for 200,000 ventilators” to be produced, and that no American who has needed a ventilator to fight the coronavirus has been denied one anywhere in the country.

The document also cites various actions the president has taken on prescription drug prices, as well as on law and order. Specifically on that front, it notes that since the president launched Operation LeGend to send federal officers to a number of U.S. cities including Chicago, Albuquerque, Cleveland, Detroit, Milwaukee, Memphis, Kansas City, and St. Louis, the government has already made 156 arrests, and cites the president’s successes in Portland, Oregon.

The document continues by citing the president’s successes on trade, rebuilding the U.S. military, tax cuts, regulation rollbacks, energy production, confirmation of federal judges, immigration and border security, caring for veterans, healthcare, battling the opioid crisis, fighting human trafficking, and other fronts.

The president also provided Breitbart News with, in addition the six-page document, a notecard on official White House card stock detailing the president’s successes when it comes to appointing and then confirming with the GOP-controlled U.S. Senate federal and appellate court judges and Justices to the U.S. Supreme Court.

That document noted that Trump has so far gotten two U.S. Supreme Court justices confirmed in his first term, as well as 53 appellate court judges and 143 U.S. district court and trade court judges. In total, that’s 232 judges in his first term. By comparison, former President Barack Obama got just 200 total judges confirmed in his first term—and Trump says he will do far more than the 232 he’s at now.

“We’re at 232 judges. We’ll be at 300 judges by the end of the year,” Trump told Breitbart News during the Oval Office interview. “That’s amazing isn’t it?”

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Economy Health Politics Donald Trump economy Jobs On the Hill oval office pandemic recovery White House

_______________________________________________

OPINION:  History in the making by the greatest President, Donald John Trump, like no other in our life time! 🇺🇸🇺🇸🇺🇸🇺🇸

[areylapierce]

Real Estate Broker's Guide For Retirement Planning (Part 3 of 3)

Both the most common ways to use SDIRAs in real estate are: (1) Purchase an investment property (2) Fund a real residence loan Purchase of an investment property: A real estate agent listed the REO fourplex that was in pretty bad condition. The proprietor prior to the lender getting it back from the foreclosure proceedings cleared the property, did no repairs or maintenance, just received the rents from the tenants as long as he could. Gradually two of the tenants moved out because of the poor problems and the other two quit paying rent because they discovered the owner was going to lose the property to foreclosure. They labeled the owner's bluff and quit paying and the operator disappeared from sight. About 12 months after the find of default was filed the lender now owned the house and property and listed it with a local real estate agent. The professional upon listing the property gave the two remaining tenants "cash for keys" and both tenants packed up and even vacated their units. The property was now 100% vacant. A Buyer's agent had the perfect buyer for it. He previously been working with John for a couple of years. John was self-employed owner of a computer company. John couldn't fix anything but his childhood friend was a general contractor and was able to do all the needed work on John's previously acquired real estate. John did have experience owning rental properties, that were bought in similar condition to the fourplex. After a period John had taken advantage of the opportunity to set up an IRA not to mention always contributed the maximum to it. John was not aware that she could use his IRA to invest in real estate, something he recognized and loved being involved in. John had been very happy with his IRA investments by investing in mutual funds which will had performed real well. When his knowledgeable real estate professional shared with him that he could set up a Self Instructed IRA and invest in real estate, he knew this was a really perfect situation for him. He contacted one of the Custodians out of your list I provided and completed the paperwork the fact that enabled the new Custodian to have his existing IRA folded over into a SDIRA. His timing was perfect, 8 weeks later the stock market did its meltdown. John got $177, 000. 00 now sitting in his SDIRA in which to invest in real estate. John and his agent happen to be very selective; they didn't jump at any put up. They waited over a year until the right deal arrived. A deal that John could use his skills to maximise his return on investment. The property was listed for $275, 000. John and his agent knew that this fourplex received sold for $200, 000 more than the list rate three years earlier. John's agent presented an offer for the purpose of full price the first day it hit the market. John had previously been preapproved for a 55% loan to value non- recourse loan with the bank that he had been doing business with for years. The next SDIRA the loan has to be non-recourse so don't expect to have any loan to be more than 65-70% loan to importance. Don't forget that the law requires the property to be the only collateral. There can be no personal guarantee which allows the lender to come after the SDIRA holder in event of foreclosure. John had believed the rehab of the property would be at least $15, 000 with a worst case cost of $20, 000. On his proposal he used the worst case determine knowing that with a $125, 000 down payment and $5, 000 closing costs he would still have $27, 000 placed in his SDIRA. The remaining funds could be used for sustaining costs as he was rehabbing the property and screening process for good tenants. John's contractor friend estimated that he would've the property in A+ condition within a month. Within with three months John with the help of his real estate agent had four quality tenants each renting a unit at $850/month. John will now be receiving in excess of $1, 200 per month that is going into his particular SDIRA. Monthly Operating Statement: $3, 400. 00-Monthly rental prices of $850. 00 X 4 units -$200. 00-6% allowance for vacancy -$1, 000. 00-30% operating prices. John's agent does management -$900. 00--$150, 000 nonrecourse loan for 30 years at 6% interest Bottom-line is $1, 200. 00+ per month is going into John's SDIRA. Each month the management company sends the Custodian a check, John never handles any of the funds. John's SDIRA is only earning 8% per year, but John has recently turned down two offers in excess of $370, 000 to sell his / her A+ fourplex which is one of the most desired properties in town. The things excites John the most is that if he decides selling the property he doesn't have to do a 1031 Exchange towards defer taxes. The sale proceeds will go directly into his or her SDIRA and will be deferred until he starts withdrawing dollars after he turns 59 1/2. John's real estate agent seems to have shared John's success story with a couple of his pre-existing clients as well as three solid referrals who would like to form a small business group with John for future projects. Some of the investment decision funds will be from SDIRAs and some will not be. Properly put in place this is allowable. They have a couple exciting possibilities that they are building offers on. Fund a real estate loan: This is the most popular area of SDIRAs. I started arranging private investor fiscal loans in 1997 and was given the opportunity to see the power in controlling your retirement through SDIRAs. As I started appointment private individual investors and I brought potential borrowing products to them I was amazed that many of them had huge amounts of money to fund real estate loans. Often when it came moments to vest the loans (the beneficiary name on the loan) it was vested in part or in whole in a SDIRA. Gradually as I developed my investor relationships I enjoyed the particular investor's stories of their financial successes. Many of the investors began having their SDIRA invest in real estate loans back in typically the 1970's. When they originally started they were usually buying supplier carry back notes at a discount. Eventually that developed to broker arranged real estate loans as the laws transformed in the early 1980's. Broker arranged loans created enable you to be in compliance with usury laws. Of course they however bought discounted carry back notes as the opportunities came out. The broker arranged loans were the type of loans i was presenting to them. They typically were a loan who for various reasons needed to be funded by a private dollars source. Loans where: (1) Borrower had lots of collateral and needed quick loan (2) Borrower was in property foreclosure (3) Borrower has an unusual type property (4) Debtor had poor credit (5) Borrower needed funds pertaining to tenant improvements to lease out the property The record was endless with reasons borrowers needed a private real estate investor funded loan. It was very challenging and exciting to arrange these loans. The guidelines on the loans were often one of a kind to the particular situation, but the loan to value highly seldom changed: Single family owner occupied 70% Greatest loan to value Single family non owner engaged 65% Maximum loan to value Commercial 60% The most loan to value Industrial 55% Maximum loan in order to value Land 35% Maximum loan to value Keep in mind certain situations dictated higher or lower loan to make sure you values. As an example a residence in Newport Beach, FLORIDA would definitely generate a higher comfort level and higher loan for you to value than a house in a less desirable part of Southern region Central Los Angeles. Every loan would have its own pluses and minuses which will factor into the rate/terms and loan amounts. The up to date passing of the SAFE Act in 2008 has had the effects of inspiring many new laws on both the talk about and federal level that have a great impact on single family group loans. That is why it so important to do business with professionals. Manage people who know the laws, are members of the good industry professional groups such as California Mortgage Association on California, have experience and a proven track record. The last part of the world you need is a real estate loan that violates legal issues. Recently my company had a loan request for a stockroom building brought to us. The building was free and also clear in a nice industrial section of Southern California. The actual owners of the building had recently inherited it plus were not in need of a large amount of cash, which in this case the buyer/borrower didn't have. The owner was willing to carry back a second trust deed if the buyer/borrower could arrange a loan. Any buyer/borrower had very poor credit due to the rapid expansion regarding his business and the constant need for cash that he wasn't paying back on time. The buyer/borrower had been turned down by each lending institution in town. Frustrated because the building would be perfect for the expanding business and with the possibility that the seller would be willing to assist with the financing this was an opportunity that he couldn't lose. The particular sales price was $1, 700, 000 which was a very fair price, but as always we instructed an appraisal from an appraiser who specialized through this type of property. There is too much at stake to guess within the value of a property. The potential liability in occasion of something going wrong with the loan later on caused by an "inflated value" presented to us by sometimes the borrower or mortgage broker is a very high price paying. We also required an environmental report due to the types of property. Don't skip any steps, do your sufficient research. The appraisal did come in at the $1, 700, 000 sale price. We agreed to make a loan for $1, 000, 000, which was about 60% loan to worth. My investors were happy to get 10. 25% regular monthly interest only payments for five years with a couple of year prepayment penalty. My investors were very risk-free with a 1st trust deed on a nice warehouse at a fairly decent area of Southern California. The buyer/borrower was basically very happy because he was able to acquire a great property just for his growing business without expending valuable cash reserves. He was well aware with his poor credit as well as need to get a stronger financial statement it was going to possibly be at least two years before he was going to a bank loan. Owner of the property was also very pleased because they received the million dollars and a monthly payment check from the $700, 000 second trust deed that they carried back from new buyer. 100% financing didn't provide the needed protection for the dealer of the property. They also got a personal guarantee from patron as well as cross collateral on another property owned by your buyer. Privately funded real estate loans are an important area of real estate financing, especially in today's tight real estate finance current market. Through your SDIRA you can participate in them. I can take note of you thinking, "I don't have that kind of money to advance loans". I don't either, yet my investors as well as I would do these loans. You are allowed to pool your own SDIRA (or other investment funds) with other buyers to make loans. Often this is accomplished with a loan group or with a private money lender that is skilled within grouping investors together. The group of investors would receive title to the loan as "tenants in common" and possess an undivided interest per their percentage of the home loan. It wasn't uncommon to have six to eight investors on one payday loan. By the use of grouping investors together to fund a loan I been given a statement today for my share of a $150, 000 loan that goes into my SDIRA. I did the loan with two other investors six years ago. Typically the loan amount of $150, 000 is secured by a $650, 000 lovely single family vacation home(non owner occupied) from a great part of Southern California. The loan pays 12% interest and the monthly payment from the borrower always arrives promptly. 12% sure beats the wild swings of the stock game lately. You that are familiar with the Rule of seventy two know that 12% will double your investment in half dozen years. Take this opportunity to use your real estate proficiency or the skills of a real estate professional to take control of this future. Use SDIRAs to create an abundant retirement for you additionally your family.

[50pence]

Will be able to Real Estate Still Be a Good Investment?

That's a question we are all expecting today. Why? Because of the many stock market investors who speculated in real estate, the problems surrounding sub-prime loans with the ending up foreclosures and bank failures, and falling home rates. If the late Dr . David Schumacher, my mentor for those past 10 years and author of the now-famous book, Any Buy and Hold Strategies of Real Estate, were however around, I know what he would say because he believed it during the last downturn in 1990-1995. He would tell us will not worry. This is only temporary and part of the normal circuit of real estate. It creates bargains that can benefit you will. This cycle has been happening since Montgomery Ward developed offering homes for $1, 500 through its fashion magazines. As sure as the sun rises and the seasons can be purchased and go, real estate will make those who own it rich more than a period of time. He would add that now is the best time to get incredible bargains in real estate. The Real Estate Cycle Real estate is still the perfect investment possible. It always has and always shall do well in the long run. This is the fourth real estate cycle I have been by means of and non-e of the downturns were fun. However , if you have had patience and look at the long term, your real estate will go right up in value more than any other investment. Do not treat realty as you might treat the stock market, worrying about the ups and down. Since 1929, real estate has gone up typically five percent a year; if you stay away from the obvious non-appreciating locations like Detroit, it is more like seven percent a year. Within that rate, properties will double in value through 10 years with compounding. Add a federal tax benefit of twenty-eight percent plus state tax deductions, the depreciation write-off for rental property, and the eventual pay-down of the payday loan and you have a strategy rich people have always utilized to accumulate wealth. Flippers Over the past 30 years I have watched many flippers who buy, fix up, and market. I do not know many who have much net really worth or are wealthy because of flipping. It is simply a highly risky way to make money. Those who have prospered are the ones who sadly are in it for the long haul and patiently watch their qualities increase in value over time. This past downturn was created through speculators who all flipped at the same time, putting too many components on the market for sale and rental. I guarantee that covering the long haul, you will always regret selling any property you will have every owned. Buy and Hold Since time tickets by anyway, the buy-and-hold strategy is a great way to turned into rich. Dr . Schumacher experienced at least five real estate cycles and did extremely well, acquiring an eventual net worthwhile of over $50 million. You just can't go wrong on purchasing an inexpensive condo, townhouse, or single-family home from a good location where there are jobs. Make sure you have a fixed-rate loan, make sure it cash flows, hold on to it for the purpose of 10 to 20 years, and you have a property that has bending or even quadrupled in value. When you need to retire, only do a cash-out refinance to live on or to supplement the retirement pension. For example , the first property I purchased pertaining to $75, 000, a townhome in Lake Arrowhead, FLORIDA, is now worth $650, 000. My first oceanfront property, which I purchased in Long Beach, CA, in 1982 for $112, 000 and used as my place, is now worth $500, 000. One-bedroom condos I paid for in Maui, HI, in the late 1990s for $80, 000 are now worth $400, 000. Homes I bought round the same time in Phoenix, AZ, for $75, 000 are actually worth twice that. I could go on and on and regarding. What are your Options? What are your options to building wealth in these days? The options are to buy real estate and build wealth or to not purchase property at all, to struggle a lot and possess nothing to show for it. 1 . You could do nothing. The particular 25 percent who do not own a home end up with no sources when they retire. They have a car loan and owe an average of $9, 000 on their credit cards. Those who do not purchase rental place may be forced to work past age 65 to supplementation their meager retirement income. 2 . You can try to depend upon your retirement. The above chart shows that you should not depend on your own retirement income alone to support you, because it won't. The on Social Security or most retirement programs land up living below the poverty line and are forced to be effective until they drop, so that is not a solution. Other investment decision options are not doing so well, either. 3. Invest in any stock market. We are definitely in a slowdown (I refuse to feel we will have a recession), so the stock market is not going to flourish for several more years. 4. Invest in gold and silver. They have already crafted their run; it is doubtful they will do much better. Silver and gold are used as a hedge against inflation and a weak greenback. It looks like oil prices are headed down as well as dollar is strengthening. 5. Invest in real estate. Those who commit to real estate almost always do well. The following graph shows how the finest one percent in income have acquired their huge selection. As you can see, the vast majority have invested in real estate. Don't Think Short-Term Real estate is not designed to be considered short-term. Right now, real estate will be down in value in many cities, but it is going together in many others. It is a terrible time to sell and retrieve any equity. Only about five percent of the properties will be for sale. Most homeowners and investors are simply holding on in their real estate and are waiting for the next upward appreciation cycle. Typically the Four Greatest MISTAKES People Make in Real Estate Realty always does well when purchased correctly. It is folk's choices and sometimes greed that mess up an essentially perfect investment. MISTAKE #1. Purchasing Property That is Dozens Can Afford Often individuals are attracted to and purchase a home they cannot afford to pay for. They struggle their entire lives just to make the particular payments. Then if they have an illness, job loss, or perhaps divorce, they are in big trouble. MISTAKE #2. Selecting Properties That Don't Cash Flow When rental properties 're going up rapidly, everything seems desirable and people purchase nightly rental properties that don't cash flow. Often that can lead to problems with large, negative cash flows when the market softens. Properties that cash flow are a no-brainer. They are great it doesn't matter what happens. These are the ones you want to buy and hold. Gradually they will be paid off. MISTAKE #3. Refying Too Much Out Once prices are going up, one is tempted to take out the maximum amount able on an equity line on one, s home or instigate a cash-out refi on a rental property. That is dangerous should one cannot make the payments or support typically the negative. It is like abusing one's credit cards, which often leads to bankruptcy. It is especially discouraging when values drop under the loan amount, as is happening with many individuals right now. One should not get discouraged, they will eventually bring back to their original value and then surpass that, usually with 2½ to 4 years. MISTAKE #4. Getting the Erroneous Loans We have all seen the problems with sub prime borrowing products. Those with low incomes were not the only parties using all these loans. Some bought million-dollar homes in a gamble construct y would up in value. Five-year Option ARMS even became popular, but they caused major problems to the real estate investor when they reset. Loans like these should be refinanced straight away. The same is true for adjustable-rate mortgages. Fixed-rate loans is the only suitable loan type for anyone who plans to keep on to his properties. Second Quarter 2008 Shows Best part Sales are up in 13 states, especially in the states hit hardest (California up 25. 8%, Nevada away 25%, Arizona up 20. 5%, and Florida " up " 10%), a strong sign that the market has bottomed as well as returning to normal. In addition , 35 cities across the U. Utes. show an increase in prices from the first to the subsequently quarter. Yakima, WA, rose 9. 9%; Binghamton, NEW YORK, rose 8. 7%; and Amarillo, TX, rose 7. 2% from a year ago. Conclusion It is never exciting to be in a down cycle and see the equity in your residence and rental property slip away. However , do not be frustrated, this is just part of the cycle of real estate. These downward cycles are always good times to pick up more property within great prices, but be sure you keep a reserve just for unforeseen problems (such as illness or job loss) so you can still make your payments. Make sure you purchase good real estate in good locations, priced below the median rate for the area, in markets that have good job development. Properties will return to their 7-plus percent appreciation then you can watch your wealth build once again.

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Update on the Mun

so i have been lurking on here for a while, not really doing any drafts or replies. I’m not abandoning this blog and these muses, I just haven’t had the motivation lately to be active on this account. I have been active on my other blogs for the most part. you can find me on @forcedintoperfection @thevirginandthefool @worldsfastestpredator @strongestcullen  @zorii-unknown and/or @brokenprincessofasgard  

Now for the shitstorm that is my life right now.

If you’re basically homeless and you know it clap your hands  *clap clap*

So we (by we I mean my mom, little brother and I) finally got evicted for reals like around Feburary-ish. My mom’s bright idea for temporary living was to move in with the worst person possible, her crazy ass aunt (on my grandpa’s side). 

Not only was the move stressful, but living here is terrible, and most of that is because my mother’s aunt (i have disowned her so no she’s not my great aunt) is doing everything in her power to make us feel unwelcome. Before I go into details, let me point out that my brother refused to come stay here because he has never felt welcome in this house, so he’s staying with family from our grandmother’s side (still crazy, but slightly more reasonable). And although I technically still have a room there, I did not stay because they hate animals and the great aunt that lives there once told me that if she could make it up the stairs to our old apartment she’d kill my cats. Later she denied it, but yeah... that’s the kind of crazy on that side’ of the family.

I was going to take my cats and live in a hotel from paycheck to paycheck. i had done the math and i could afford 7 days from one paycheck if i literally didn’t buy anything else, and the hotel had free breakfast i didn’t have to worry about food at least if i could save some of the breakfast for lunch then probably do dinner at a family member’s house. (yeah not the best plan but for me if I’m giving up my cats to a shelter I’m giving up on life. plus hotel accepted animals and was legit cheaper than a putting them in a pet hotel which would have been 22 a night per cat... i have 5 cats and a part time job) BUT low and behold my mother pulls some strings with the aunt (only after catching me crying on eviction day because I didn’t know what to do with my babies) and suddenly I can keep the cats as long as they stay in the basement. Not ideal, but more affordable for me so I take it.

Now back to the hell house I’m trapped in.

1) It took a while to move everything in, but I think we were almost full settled in by a Friday or Saturday night. On the Monday (which was like day 3 of living there) my mother’s aunt not only called me repeatedly on my phone, she kept yelling my name from the first floor. When I finally become conscious enough to go see what she wants, she is telling me that I sleep too much, It’s ridiculous how much I sleep, I need to go get a job, I’m not going to sleep my life away in HER house, yada yada, then she goes on about how by my age she was living on her own and paying off her own car (both were confirmed to be lies by sources that were alive at that time. crazy bitch was still sleeping in the bed with her mother at 22).. Now maybe you think that’s not so bad? but I forgot to mention one little detail. 

It was only 8:10 AM  and I had class at 10 am.

My alarm clock was literally set to go off 20 minutes from that time. Not only was it early as fuck, but I had a class to go to so it wasn’t like i was going to be staying in the house all day. SHE KNEW I HAD CLASS, THAT WAS WHAT PISSED ME OFF THE MOST. I had literally been discussing my classes with her for weeks prior to even moving in with her. Another thing that interested me was how she conveniently waited until my mother had left to start harassing me. anyway, so i get dressed because im mad as hell by this point, and i get ready to leave in under 15 minutes so we’re around 8:30am by this point. When I get downstairs she is demanding that I come into her room, and against my better judgement I do but I’m in no mood to talk. She takes one look at my face and asks me “why are you pissed off?”  As if she didn’t know why. I don’t want to curse her out because I wasn’t raised to do things like that so i keep my mouth shut. She keeps trying to get me to talk, and at this point angry tears that I have been trying so hard to hold back are falling and she tells me I’m being dramatic and I’m over reacting. I tell her I have to go to class more than once and she’s still demanding that I sit and talk with her, so I just walk out.    She calls my phone more than once but I don’t answer because I am a) driving and b) still mad as hell. she leaves voicemails. 1 saying that im being overreacting and stuff. the second comes a few hours later with a fake apology after she apparently talked to my mother. I later find out that she lied to my mom and told her that she forgot I had school, yet when I was not trying to talk to her she was telling me i had 2 hours before i had to be in class.. so yeah and that was only the start of day 3 of living there.

2) Fast forward a few days because in this family, we apparently just go on like nothing happened after conflicts like this. My mom comes to me in the morning and warns me that the aunt had threatened to call the human society to take my cats away because I ‘don’t spend enough time with them’. Which pissed off my mom as much as me because she’s seen what I’ve done for these cats in the past 2 years. (especially with Brenda, who is a rescue stray I took in after she was covered in tape by strangers and either dropped at our door or she limped her way up the stairs to us for help, and the two litters of kittens she had in our apartment) 

The aunt confronts me about this after I come down to feed them by asking me “do you really want the cats” and then telling me not to get an attitude when I say “of course I do” rather defensively. She tells me the b.s. she told my mom to which i point out that we literally just got here, i have classes 5 days a week and work 7 days a week. Plus, she’s usually sleep when I come in after work so she doesn’t see me dragging my aching body (still sore from doing the brunt of the moving) down to the basement to replace the food and water and spend time with them before I go to bed and I would literally be sleeping down there if it wasn’t for my mom nagging me about my health (which tbh comes second to the cats in my opinion but she disagrees). She doesn’t seem all that convinced, and my anxiety was through the roof for the longest because i wasn’t sure if i was going to come back to a cat-less basement after work. 

My therapist has been having an earful btw. Literally the week before I knew we were being evicted I spent most of a session trying to find something to talk to her about and now I have at least one new problem ever week. 

3) This woman has no respect for me or my mother. She’s verbally attacked my mother and berated her more than once. (today included) and at one point accused my mom of using her father for money(who died only 2 years prior, and who is the only one who took responsibility for making all the funeral arrangements and is still struggling to pay that bill because no one else wanted to help). This is sidetracking a little, but my mom did a lot for my grandfather. Brought his medical supplies with a loan she had taken out from her job, literally came to wash him up multiple times because his in house nurse wasn’t doing it, and pretty much ran every errand he asked for her and if she couldn’t do it she had me do it for her... so yeah to say she was using him was really fucked up and it really hurt my mom.

3.5) One morning (last week) i literally caught her and her ‘tenant’ (aka her brother’s ex girlfriend who he left for his wife 2 years ago and refuses to leave his family’s home) talking shit about me and my mom. How we’re dirty,  my mom walks too loud, complaining about us having mini conversations late at night (which only happened once), calling my mom fat, and saying that she’s not  ‘dainty’ and ‘feminine’ enough and they don’t know how she kept a man for so long... really just talking trash while im standing at the top of the stairs listening. I wait until they finish to say anything and they’re not even ashamed or apologetic. The aunt literally says “good. now you can tell your mom what i said” after  i said i heard just about all of it. She seemed offended when I refused to be her messenger. She then tried to talk shit about my mom to me, going as far to tell me that my mother a ‘fat slob’. And because I don’t want to be kicked out before we find a place, I have to bite my tongue and just walk away while she purposely baits me and tells me to ‘speak my mind’. 

There is so much more I could write about, like how she (a woman who has never had a cat in her life) is always telling me how to take care of my cats like I don’t know what I’m doing, yet she’s basing this all off the dog she had (but didn’t really want or take care of) over 10 years ago.  Or how she likes to try to provoke me or my mom (but mostly me because I’m the easier target I guess) whenever she’s bored. The fact that she forced cable boxes on us, then demanded my mom pay her $400 for the installation of the cable despite us both making it very clear we didn’t want it. How she’s always trying to say someone is trying to use her as if my mom isn’t paying $800 a month for two little ass rooms and a bathroom/kitchen we have to share with two other people And sooo much more. 

I’ve ended up self harming for the first time in about two-ish years while staying here. My suicidal thoughts are  happening very often and honestly I’ve turned to drinking my feelings away when I’m not cutting them away. I’ve literally been so stressed that my period disappeared for like 3 months (no im not pregnant. gotta be sexually active to get pregnant so yes its stress) and I’m pretty sure I’m developing some sort of repressed anger issues that I should probably mention to my therapist but I keep forgetting. 

So that’s pretty much what’s been going on in my life lately. 

And I don’t know how to end this so... there

[soulesssoprano]

Money money money

I'm raging inside today.

Have you ever heard of "Financial Abuse"? I sure as he'll never did until after I was a victim of it...

I knew things seemed off when all of the utilities went into my name. Everything we purchased had to be in my name. I knew I couldn't trust him with money and yet I continued to give him that power.

For 5 years MY income tax checks always went to things he wanted or claimed we needed.. such as.... holy shit I have no idea. The only ones I can remember are the last two because I got them within 2 weeks of each other (I screwed up my taxes for 2015 so I got my tax return for 2015 and 2016 in March of 2017) April of 2017 was when we got back together after he was kicked out of Pennsylvania and we moved to Florida.. so both of those entire checks went towards my final months rent, travelling to Florida and just general living expenses when we got there.

My credit score is below 500. I have mountains of debt that are almost all in collections because I was literally NOT ALLOWED to pay on anything including my student loans.

Like I am so fucked.

Honestly, I am more angry about the financial abuse he put me through than the emotional and sexual abuse.

I can and I am finding my way through dealing with the mental issues I now have because of him.

What I cannot stand is that I am in the shittiest financial situation I could have ever imagined making less than $30,000 a year AND I AM FUCKING STUCK.

My car is a 2002 with over 200,000 miles on it. 3 months ago I put $500 into this fucking car. I've had to put 3 new tires on that bitch in the last 10 days totally about $200 and now it needs several things to pass inspection. I literally cannot afford to fix this car. Honestly, it's not even WORTH fixing.

I'd love to be able to go get a new (to me) car. But living paycheck to paycheck and having literally $0 in my drained savings will not allow me to do so.. oh yeah and my credit score makes this a laughable thought anyways.

My mom suggested a buy here pay here car lot. Great idea. Except every one around here has a minimum WEEKLY payment of $100... so that's at least $400 a month. I couldn't even squeeze an extra $100 a month out of what I get to pay for a new car.

Someone please tell me what the fuck I am supposed to do. How am I supposed to get loans to consolidate or refinance and get back on track? I can't afford the high monthly payments on my student loans as it is let alone try to pay off bills in collection.

I broke down crying in the middle of Wal-Mart today because my job doesn't offer health insurance yet (very small company) and my medication was going to be $93. I did end up finding some coupons online and got them for $10 later, but that's beside the point.

My family is not in a good enough financial situation to be able to help me either. My mom does anything and everything she can for me. She had $50 to her name to get her to payday and she put $45 in my bank account so I could pay my phone bill this month. I hate that. That's my mom. I feel a responsibility to make sure she is okay, too. Her leaving herself with $5 to make it an entire week just so my phone would continue to work absolutely kills me.

I can not live like this any longer.

Someone please help.

Please

[pacejennings1-blog]

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Insurance Help Please? I obtained a page today indicating that my medical insurance is approximately to be canceled. I have been on my mom's insurance forever. She's impaired and may not function so that it was circumstances funded system. (Tenncare) I'm too old to stay under hers anymore and so I used myself. Listed below are my credentials. I'm 19 plus a full-time college student. I've a component time career and make about 500-600 per month. My overall monthly bills are about 450 (not rising gas and food). I'm having to be determined by my children to also endure right now. I donot understand why I used to be rejected health insurance a month once I essentially create negative money? I am definitely anxious that I may need to have surgery shortly and because I just found out I have PCOS with a significant tumor on my ovary that is right. I'm going to the physician at least one time a month to monitor the advancement of the tumor. I seriously can't afford my very own health insurance. Is there something I can do? Also medical health insurance does not be offered by the area I work. Thanks in advance." "Somebody hit my car, but doesn't have car insurance.?" I went outside to acquire in my vehicle, and found that somebody struck my people side-door. A girl said she found it happen, but could not get any information on the automobile apart from that it belonged into a neighbor's pal and arrived. Well I obtained telephone # and the girls title from your friend, but they did not feel she's auto insurance. Must I also bother should I contact the cops and document run police statement and a hit or calling your ex? I will note that this lady hit my vehicle of a month before. Until I had her info, I needed to wait. Is it too late to call the cops?" How much money might a 16 year-old need to buy annual insurance to get a sports-car? how much money would a 16 yearold need to pay for yearly insurance on a sportscar? For instance a 1999 ford mustang Car Insurance. I have been in an auto accident and need assistance. Please helppp!!!!? I am working our car insurance companies with both, and found myself in a car accident. I had been not at ticketed or fault. What car would cost more to insure? would like advice. They're showing me I must spend my deductable, and get it. Same with all the rentalcar! But I-donot have the cash to-do all of this? Please, supply advice!!!" Having trouble deleting auto insurance with allstate? I named my local Allstate gentleman on Monday the 22nd. I soaked into my Allstate bill online about the 27th, and he stated he'd stop the plan also it nevertheless was not ended. I called their 24-hour customer care and spoke with an individual who stated they'd devote the demand to stop the coverage again. I sign into my lender today and so they WITHDREW my March fee! And so I named them again and so they mentioned the policy was still effective. The lady I talked with tonight claimed they will need to discover evidence that I am with Geico now. Why didn't anybody tell me the first two times? What do I must do to acquire my policy to become postponed? I've been having a few different automobile insurance organizations in my evening and I've NEVER had that much of a concern obtaining the coverage cancelled! That I'm afraid and as of now I am owed by them well over $200 they're going to enjoy with activities with me before I get my cash back. What are selections and my privileges??" 1999 Pontiac Grand Am SE auto insurence? Just how much will it cost for me personally monthly just estimate the price please to possess insurance on that auto thanks and so are ponitacs goood with-there engine and all that it has 172000 miles on it for $2900 should i take it or na just tell me concerning the insurance please cheers Do I've to have auto insurance? I had insurance I now offered the vehicle and push a company car 100% of that time period and use to own a-car. I named my insurance dude and advised him to stop it and he suggests that Illinois features a state-law that claims I've to own insurance on the car since I reside acquainted with my parents and everyone in the home includes a vehicle. I really could probably get in to at least one of there automobiles and be not insured. He was told by me I actually donot cuz I still a-car with company insurance he said I've to really have a coverage with my title about it by law is this accurate? How much does business car insurance charge? Just how much does business car insurance cost? Is California's New Auto Insuranse Law Forced? A loophole has closed in the regulation that permitted people to enroll with good insurance and end a short time afterward or to register their automobiles with artificial insurance. Today once you end your insurance, the insurance business will tell you also auto's and the DMV electronically enrollment will undoubtedly be terminated? What happens afterward? You possess the ticket that is valid looking on your automobile...So Can Be police currently planning to be preventing at this point you just to check for insurance? How do you get your subscription re-instated if revoked under these situations?" "How much wll insurance is paid for by me if im 16?? aint got an easy car or anything-but just how much if my parent gives me on or how much wouldn't it be easily pay(easily can try this at 16) Auto Insurance? What's the top auto insurance for somebody who is 18 a good insurance that dosent cost that much How do I get my motor insurance cheaper? Hi am 31 and got 8 years no clams I am finding it hard to have it cheap and drive a corsa vxr Car Insurance for 17 year old? British? I have tried calling corporations - all of them state 'we can't give you a quote' sites - 'cannot quote' How am i designed to get insurance... I dont mind spending something upto 7000 I've attempted with 3 vehicles that were different... Even a 1.0L and still no quotes. Lamborghini insurance cost? On a 100K 2005 lambo for 20-year old with a clean driving record not looking for a precise solution, this is just a problem me plus a friend wondered about what might the insurance value be" Cheap auto insurance I mean cheap? Observed insurance is significant and just handed my test, I need anything or some kinda voucher to get to guarantee my vehicle. Any tips. UK ONLY" What's a 2Dr car that's insurance charges that are reduced? 000 selection runs well" Term Life Insurance Title? My spouse and I are in 50is and our 40's. We have created A/N trusts and moved our assets in their mind, and have a locations that may benefit from the property tax-saving these trusts afford. We recently both bought $1M 10-year renewable term life-insurance procedures that we expect you'll retain for 10 years. We decided never to use-life insurance trusts as the purpose of the policies will be to exchange the deceased spouse's lost money if among us dies relatively soon, not to raise our closing estate, and also the trusts are significantly costly. Since we want the disposition of possessions specified there to be used for this income we each specified our own trusts since the receivers. The trusts give the money, and theory if needed, to be paid to the partner, and for the remainder to become settled to our kid in the remaining spouses death. The issue of property of the policies is more bounce. Our attorney says that it generally does not make much distinction who possesses them, since the importance (house) taxed is only one-year's premium, not the $1M. Our accountant suggests that the $ 1M is taxed, which the other partner should owns each coverage in order to avoid tax on that amount. A pal stated that there is no means of avoiding or somewhat decrease the tax, thus only keep the possession as is (each partner possesses their own policy). There is while in the ointment another fly the fact that the insurance carrier (Ma SBLI) makes some types of trust control expensive and more challenging. I am confused. What property is the best? What is that choice's benefit? Thanks for the time." Where to find out how much gas i need for a Mercedesbenz c300? Okay so i'm guess to accomplish a vocation project and pick a task and where iam planning to reside,medical insurance etc.For my task i selected a Mercedes Benz c300 for my vehicle.For energy alternative i selected covers and it price 2.909 per gallon.How do i figure out the typical charge for a week and/or month?First resonable solution get best answer.i actually need this so please help me!thankyou! :)" "Easily crash, could my parents motor insurance rise?" If im and i freeze on learners permit, wouldn't it go up? He explained i and because i called my insurance broker dont must be like a driver be covered listen. I reside in colorado btw if that concerns." "When auto insurance refuses to protect a collision, how to proceed?" My boyfriend crashed his pal's car lately. He'd agreement to travel it but happened to find yourself in an accident. His friend has insurance for your car and my partner has his insurance, but neither ones' insurance may protect the automobile. He considers his possibilities are restricted to only overpowering the car payments or going to trial (the buddyis insurance claims it ought to be claimed as stolen if he doesn't spend up). Shouldn't the friend's insurance be expanded to protect my sweetheart? Are not there other options?" Getting Insurance to get a license? I am having a hard time getting my without insurance. I have a permit but I need insurance to take the drivers test, but I don't have anyone to put me on theirs so I can take the test. Is there anything I can do so I can get insurance. Please help me I might suggest that you try this web site where one can compare quotes from the best companies: http://freeautoinsurance.xyz

[kragbrady32-blog]

Air ride suspension & Insurance?

Hello, I am male, nearly 18. I want to buy a 2004 / 5 Mini cooper for my first car. Insurance at about 1000 - 1500 quoted. When I get it I want to do some visual mods such as new rims, possibly a colour change, window tints. I know I have to notify my insurance company, whomever it may be and it probably wont effect what I'm paying. But I also want to lower the car, so I researched this and came across these air - ride kits that are air suspension that can be lowered and raised all from in your car with buttoms. These arnt hydralacs, there quite slow to adjust. This would be great for me as I live in a town but I have to drive on a lot of moorland roads, so I could raise it on the moors, lower it in the cities and on motorways etc... Would this effect my insurance at all? Its quite an expensive mod but would it change ( increase ) my insurance costs? Cheers, Alex. I suggest that you try this web site where one can get quotes from different companies: http://insure4car.xyz Which insurance carrier could be the cheapest to get an 18-year old? Iv passed my examination, and bought a citreon saxo 1.1, iv been on many evaluation websites along with the finest quote i get is 3500 third party just which is a lot of. Can anybody help me find a better offer Cheers" Are you currently in support of getting rid of medical insurance if you have preexisting situations? Are you currently in favor of eliminating health insurance for those who have pre-existing conditions? "Just how much per month may be the regular homeowners insurance payment over a 100,000 residence? Cheers a Marine but automobile insurance as well as 20 firmis need to charge me 500$ a month??? HELP? I simply got my certificate two months back I'm while in the marines and registered after I was 17 and in florida it cost 350$ to truly get your certificate before you are 18 and that I couldn't afford it. I'm a guy that is very busy and it took time before i could obtain it. Every two weeks i make 600 and i am planning to obtain a vehicle i am stationed at camp lejeune NC. For that vehicle loan i will be spending about 350 to 400 monthly. Its not that I'm paying interest to the mortgage for 11 for devoid of any credit that bad. However the insurance companies need to impose me everywhere from 450 to 700 per month i have simply checked out a couple of companies but it takes forever to fill in the knowledge and some of them do not read my target because i am on a military platform so i need to call them-and you all no how that goes. Thus my problem is what is a companie that will not be superior. I've to get full-coverage because of the mortgage. please simply considerable answerer's and from personal experience. I'm an, sorry basically wrote things wrong I'm not in a reputation faculty. But assume you for the aid a fantastic evening, and have." "Does anyone understand of getting your newborn stay, the typical daily charge?" I know many people have insurance that helps cover a particular %, but what sum may be the genuine cost the clinic expenses the insurance carrier along with the patient pay?" How come motor insurance therefore pricey for an 18 year old? I was looking at estimates and so they all range from 1000-1400 simply for half a year over a Nissan Sentra SR - E spec v. Which insurance may be the cheapest and you also could recommend. Its to get a scholar only for university and work. "WHERE MAY I FIND CHEAP AUTO INSURANCE ON MY FIRST CAR, iM 17?" I DONT WANT TO COVER 8000 I WOULD LIKE CHEAP,, AID:)" I want affordable health insurance. & cheap? Actually im browsing a cheap and affordable for my gf. She's working careers with all the annual income of $ 16,000, but she doesn't get any company gains... She has been sick alot lately and im genuinely worried for her, specially when she is only 20-year old dwelling her step parents. Her stepparents got 2 children of their own so her requirements are completely ignored by them, so it is up to me to accomplish my far better assist her. She's disqualify with medical since her step parents make alots of money. Can someone please supply me about getting affordable health insurence for your low income, some information? Perhaps some link there? Thankyou" Looking for a health insurance? I'm 23 and my spouse is 25, we are in excellent wellness, and therefore are trying to find health insurance. I would like an affordable strategy, but in addition the one which is generally accepted. I understand insurance isn't just affordable, but I really hope you-all can go with what I'm saying. Cheers" Co-Consumer Autoinsurance? All, I assisted ex GF to purchase a car. I thought I had been cosigning for loan but apparantly I'm a co customer of vehicle. The enrollment is her or me. I dont mind being in charge of loan. If she messes up mortgage I'll make funds. She informs me she's vehicle correctly covered etc. What worries if she lets insurance mistake or cause a significant incident could I end up in difficulty me is. Can I guarantee myself against her making insurance mistake or creating major injury/destruction? I actually have no individual automobile insurance (have business automobile). Is there other things I can do to safeguard myself? Im very focused on this. Do I need to be? Terry" Insurance companies that dont enable pit bulls? Does anybody know what insurance companies defianatly won't insure you when you have pit bulls. I am aware some that'll I simply wish to know those that definately wont." "From these vehicles, what type can have the cheapest insurance? Suzuki Forenza 2007 Mazda3 2005 I had hail damage to my car and my insurance carrier did an estimation which can be 100% less than 3 reput I had my car ruined by hail and I have comprehensivr coverage. My insurance carrier had an adjuster do the estimate and his appraisal is 100% less than 3 additional calculated I'd completed (a few of which weer by merchants they work with...CRP). They are telling me it can be taken by me in and they will pay the merchants an extra look for the excess charges. I really don't need to consider it in as a result of my deductible and they are informing me just about the only method i can actually recoup the cash owed to me is to have it set...I buy my plan so when I am aware it, I'm eligible for the settlement of the damage and it is my selection to possess it fixed or not...am I appropriate or inappropriate in my own knowledge????" Is it too simple to get onto disability insurance while in the United States? 8,753,935: Employees on Impairment Collection Another History in September; Exceed Populace of 39 States the amount of individuals acquiring national disability insurance obligations struck still another file in September, improving to 8,753,935 throughout the month from the past document of 8,733,461 emerge August, according to freshly launched data in the Social Security Management. The 8,753,935 employees who got national disability insurance obligations in September realized the 50 states' populace of 39. Colorado only 11 statesCalifornia, Ny, California, Illinois, Philadelphia, Iowa, Mi, Georgia, North Carolina and New Jerseyhad more individuals inside them compared to amount of individuals about the national disability insurance rolls in July." Car-Insurance need advice? I've one car with 24 years no claims and am likely to function as policyholder for my daughters vehicle. Can i set down that i have 24 years no-claims or do i have to begin again (in the feeling set 0 along??)Im very confused by the approach as i haven't needed to do this before, plus it is very difficult for him to afford insurance if we-don't get it done in this manner so if anybody knows of any good cheap insurance firms" Medicare or additional health insurance that is affordable? I live in NY, merely moved below and have to find somewhat inexpensive medical insurance. Up till now was covered by strategies through employers. Is Medicare protection that is reasonable? Can it be very different from others?" Inexpensive auto insurance safe to possess? Iam likely to purchase car insurance along with the premiums Iam finding are very minimal, $72.00 per month (Modern) and $92.00 (Geico). But I had been thinking whether it's secure, and I picked the stateis lowest minimum coverage that was accessible /ok to achieve that? Thanks:)" Sweetheart experienced crash has insurance/SR 22. Whose insurance will soon be responsible? My boyfriend has received an insurance plan having an SR 22 about it for pretty much annually. It finishes in 6 days. He was driving my auto to function and got into a collision that has been his problem. My car has hardly any damage and that I don't believe the other vehicle was severely damaged. My mother has an insurance policy on my vehicle (I live along with her) But because my sweetheart was driving and he has insurance with all the SR 22 doesn't which means that that it will go on his insurance? Isn't that the actual explanation he had to really have the SR22 within the first-place? Cheers. "Do you want proof insurance when receiving certificate in alabama?" I cant have it by tomorrow although i know you will need it. Since they have the info stored within the computers is it okay? i need support!!" How much would insurance cost for my moped? Therefore I'm likely to be 16 shortly and Iam planning to get a 50cc scooter. Could someone tell me what insurance's average-cost could charge please? Cheers "Because she got 9 penalty items our children car insurance has more than doubled. she wishes?" Me get her wear that insurance then to acquire insurance on her vehicle. While she is under my insurance, if she gets points could that influence the insurance on my own cars' price or could provided that she caused a collision produce my insurance increase. I really could get a years insurance on her car for less than the buying price of 1 regular payment she'd have to pay for her own insurance. what you think. She will be disqualified from driving if she gets 3 more points. what i have composed mightn't seem sensible. I wish to learn easily do that on her behalf while being on my insurance could that put up my insurance prices for what or several my vehicles and he or she gets disqualified if a collision is caused by her or wouldn't it just result my insurance. while shes on my insurance. * 41 minutes ago - 3 days left to reply. Additional Facts 40 minutes before we live in the UK. Sorry this really is extended i found it difficult to publish what I used to be really looking to ask. 33 minutes ago i know if she causes an accident while she's on my insurance ot might influence my insurance fees but when she was to acquire disqualified while she's on my insurance could that effect me inurances oin anyhow. She don't be on my insurance anymore if she gets disqualified. 14 minutes previously only 3 of her penalty factors are for rushing. she explained the other 6 things are because there is a mixture up along with her insurance last period and he or she was uninured for 4 nights and was grabbed by the police. She got 6 details for that in court a few months ago. She hadnt visited work to signal for this so she got captured for that although she said she that she had called them and approved the coverage they assumed it would continue quickly and sent her to restore it. She was merely uninsured for 4 nights as a result of her mistake that time. Sorry if you answerd this-but i put it on US bing responses by way of a mistake plus it didnt appear in UK google answers and so I desired solutions from people that knows about motor insurance in the united kingdom" Do you have medical health insurance? Just how much is it per month in that case? how old are you? What type of deducatbale have you got? Feel free should you choose not have insurance, to reply additionally? Furthermore, do you assist obamacare?" What's insurance expense? A review of the ledger of Khan Company at December 31, 2006, provides the following data regarding the planning of yearly adjusting entries. 1. Prepaid Insurance 800, $9. The organization has individual plans on its structures and its particular automobiles. Coverage B4564 to the building was obtained on July 1, 2005, for $ 6. The plan has an expression of 36 months. Coverage A2958 about the cars was purchased for $ 4. This plan features a phrase of a couple of years." What motor insurance coverage is actually essential? And just how much of each do you really require? Where may I acquire medical health insurance? Iam possess a low-income and Iam buying correct insurance policy. Thus my boss won't get an insurance for me personally, I are a component time career. Please if everyone knows any...show more" Air ride suspension & Insurance? Hello, I am male, nearly 18. I want to buy a 2004 / 5 Mini cooper for my first car. Insurance at about 1000 - 1500 quoted. When I get it I want to do some visual mods such as new rims, possibly a colour change, window tints. I know I have to notify my insurance company, whomever it may be and it probably wont effect what I'm paying. But I also want to lower the car, so I researched this and came across these air - ride kits that are air suspension that can be lowered and raised all from in your car with buttoms. These arnt hydralacs, there quite slow to adjust. This would be great for me as I live in a town but I have to drive on a lot of moorland roads, so I could raise it on the moors, lower it in the cities and on motorways etc... Would this effect my insurance at all? Its quite an expensive mod but would it change ( increase ) my insurance costs? Cheers, Alex. I suggest that you try this web site where one can get quotes from different companies: http://insure4car.xyz How can I get my insurance? I'm 17 years of age. Insurance ca n't be afforded by my dad since he's 4 kids plus they wont offer him free insurance. I reside in Georgia. I would like insurance cause I end-up paying out WITHOUT ANY HELP like 90$ to visit the doctor. I don't think it really is alright not to have insurance. So what do I actually do? Where do I do this? Could they allow a 17-year old to get insurance by their home (being a modest)" Do you think aero updates may cause my insurance to move up? I wished to then add aero upgrades for my car and stay near Va international raceway. I also want to decrease it and get performance wheels. You think my insurance will be increased by this considerably? I'm simply curious what others believe although I cannot call until tomorrow. 16 yr-old Insurance question.? On what auto insurance might charge every six months/ from the year for a 16-year old child who has already been in an accident, not with another car, what could the insurance cost on the 1994 camaro v6 any guesses." What's the top website review and to reseach autoinsurance rates? What's a good website when studying autoinsurance, touse. One where each other and I can get numerous rates from numerous insurers and compare them?" Who offers reliable and inexpensive car insurance? Money is truly tight at this time, and my car insurance is around $120 a month with Liberty Good. I am considering different agencies that provide great support and are less expensive. Is Geico great? Any kind of other firms I should have a look at? Our history isn't too good. One racing ticket." What's the least expensive motor insurance to have to get a 22-year old for full coverage? What's the cheapest car insurance to get to get a 22 year old for full-coverage? Question about Auto Insurance Prices? I'm had my drivers license for about 2 months, and 17 years old. Insurance costs are not mad low for me personally at this time. I want to understand how long does it take for your costs to reduce? I've Allstate today, nonetheless it may change, and if it affects anything I live-in California. Cheers" Auto insurance yay...? Therefore first-off let me only say I know that the cost I.e will be changed by all the variables going into this. Sort of auto I've, range I will be driving etc. I was just curious if anybody can inform me just how much I'd expect to pay per month for car insurance easily was voided the final time around? I used to be spending 90 a month $ time me over charged another month, therefore I did not pay it I quit my job. I know smart! Lol.) Would it not increase just because in the past I've shown that I'm false? Does one also HAVE to have full coverage over a car you havenot fully paid off yet? This could be dif state to state. (MN) worthwhile info would be appreciated cheers:)" Insurance appraisal?15?Sportbike? I will be 9 and 15 weeks with a permit. I'll have a Honda CBR 600RR and that I wondered just how much would my insurance be? What the chapest and how can i have the cheapest. Become a carefull rider. https://www.linkedin.com/pulse/how-get-temporary-car-insurance-one-week-florida-irene-davies in Arizona? My father and I have not been in decades to a doctor, he is almost 55 and it's definitely time he gets a checkup. We create a lot to get state insurance although unfortunately, we are not the wealthiest the folks. If you'll find any inexpensive insurance options I was wondering. The lowest priced I Have had the opportunity to get is $133 per month which is still not pretty low for us. Oh be 19 in a few months, which appears to be the cutoff household insurance era." "Does anybody know where-to get cheap UK motor insurance for a 17 year old guy, preferable uder 1000.?" Does anyone know where-to get cheap UK motor insurance for a 17-year old male, preferable uder 1000.?" Motor insurance lowering (OFFICIALLY!!!!)? Right, i inform the entire history. Im 17 in a few months, thus my parents have granted me 000 for insurance and a vehicle, 5, which i imagined could be lots for something decent. however, as i need to insure the automobile myself (no fronting), as well as an organization one heap of c**p expenses over 3,000 to ensure. I understand I really could get move plus, but any kind of other ways to reduce the payments that are ridiculous legally? And what are the providers who give a superior value for individuals that are new? Cheers for your aid:)" "To get a 17-year old, simply how much about is auto insurance (relatively) and which sites are cheaper? We were imagining Place or State Park "Just how do I get the best offer on a rental car, and what about insurance?" I do want to get the best price I could, although I'm likely to Orlando for 3nights, and want to rent a car while I am there. What is the easiest way to accomplish this...recommendations/suggestions? I am also somewhat confused about the entire insurance problem, since this can be my firsttime hiring a vehicle. I really do not want to pay double just to get insurance basically don't actually need it. Please clarify. Cheers!" Are bank holidays operated on by insurance companies? I'dn't mind getting some insurance for my moped tomorrow, but I observed its bank holiday monday...Can this stop me getting through to them?" Paying for Insurance problem? Alright, how is it possible for me personally to fund insurance for only a few nights rather than a month at the same time? If so, how?" Whats the top motor insurance site to review? Trying to find cheap auto insurance, plz:)" Rental-car insurance? I simply offered my car (02/04) and am looking to rentacar until I choose the new-car (02/05-02/15). What happens towards the auto-insurance that I'd with all the car that I recently bought (I settled the coverage until 02/16). Was it immediately fired once my automobile was bought by me? Because my plan handles the insurance for your rentalcar also, if it will proceed until 02/16, I dont need to pay for added rental insurance at a rental store (I really believe I paid around $13 per-day before). Likewise, does debit cards (from nearby banks) also usually address the insurance for your rental car too (I am aware most of credit cards accomplish that)." "I am discriminated against by motor insurance organization because I had been not blessed in the united kingdom?" I had a quote for auto insurance via a well-known national company. They were informed I talked to your agent and had no beliefs, claims etc. I rang and had a UK permit for 5 years and he or she confirmed the offer. I decided to take and named them, the next time. We experienced my info and the adviser claimed, so that you were delivered in the UK? I said no, I am a UK homeowner but I was born abroad. I talked to a manger who explained it was legitimate when I told him I was specific it was illegitimate because the only information that had transformed was my place of start and took issue, he ultimately stated the initial offer would be honoured by him. The coverage was subsequently acquired by me with a one off transaction. Insurance is just a racket and I do not think they should be alllowed to acquire by with this. Does anyone know anything about that and so what can be performed next-to make sure it doesn't eventually other folks?" Motorcycle Insurance 16yr Old? I'm 16, about getting a crotch rocket, I'm thinking, and only wanna know about insurance. State: Minnesota Year of cycle: 1995-2005 I'm considering 650cc - 750cc I've encounter on cycles (dirt bikes) I do realize their is some difference I've a grade average of Bis or more." Hard expense of insurance class 17 cars? Hi all, I am looking at a Lotus Elise for my next vehicle. Its insurance group 17 and I'm 25 with almost two years no statements. Anyone know around exactly what the insurance could be? Thanks xx" Sports car with minimal insurance price? I'm 16 and i'm planning to get yourself a vehicle when iam 18. I'm keeping more income up so i will get a great car. I get vehicles very seriously. I thought of getting even a car or a 1990-1996 miata like that. I need a need a superb hunting automobile that's rwd transmission." Car crash today what? insurance problem? I used to be in my own first major car crash, my car was totaled. I used to be waiting at the light to make a left turn, the natural arrow emerged on and that I went plus some one from the other part of the lane inside the opposite way went a red light and hit me, he promises about the document he does not understand how the incident happened. I recently wanted to know what do you think can happen? His information is not on my police record although a was talking to the police. It has to go through his insurance what are the chances not me and that they will realize that he was within the wrong??" "Just how much could be the annual average insurance to get a sixteen year ?" Simply how much is the yearly normal insurance for a sixteen year . Liability only. And if you need to understand insurance and the vehicle corp 21st insurance, and its a 1995 Ferrari f355. Please offer authentic averages and that I am serious so please severe and authentic solutions. The reason is please inform me the price only for per year. Please true solutions and severe." Health Insurance Distress? Iam a college student at the time of right-now and I'm covered under my mother's program. She's an OR nurse pretty much anywhere I get in this town I actually donot need to pay considerably to have a scheduled appointment because all of them are with people who perform for a medical facility she works for. Within the slide I will attend a two states aside where my choice to get college medical insurance or enroll to acquire it can be waived by me. Considering my health insurance for this specific spot do I enroll for your college insurance only truly works? or renounce? Since I am aware I will be receiving checkups and such on campus anyway." Air ride suspension & Insurance? Hello, I am male, nearly 18. I want to buy a 2004 / 5 Mini cooper for my first car. Insurance at about 1000 - 1500 quoted. When I get it I want to do some visual mods such as new rims, possibly a colour change, window tints. I know I have to notify my insurance company, whomever it may be and it probably wont effect what I'm paying. But I also want to lower the car, so I researched this and came across these air - ride kits that are air suspension that can be lowered and raised all from in your car with buttoms. These arnt hydralacs, there quite slow to adjust. This would be great for me as I live in a town but I have to drive on a lot of moorland roads, so I could raise it on the moors, lower it in the cities and on motorways etc... Would this effect my insurance at all? Its quite an expensive mod but would it change ( increase ) my insurance costs? Cheers, Alex. I suggest that you try this web site where one can get quotes from different companies: http://insure4car.xyz

[mwcowan]

Mark & Georgia’s 2018 Philippines Trip

Here we go again, another trip, another blog. For those of you familiar with our recent Road Trip blog this will be of a different sort because it’s going to be a different sort of trip, a mix of business and pleasure. We’ll be based at Georgia’s mom’s house in Manila, making a series of short trips here and there over the next month. Hopefully it will result in some interesting thoughts and photos.

Day 1:  Graeagle to Sunnyvale to San Jose to SFO

Seems like I was driving all day, although it was a pleasant drive until I got close to the Bay Area into all the traffic. I’ve really gotten used to the “traffic” in Graeagle, where it’s unusual to see more than 3 cars in town. At Georgia’s suggestion I drove straight to EBR for a visit with my old colleagues and to check up on how things are going there. Quite well it seems, with a number of development projects underway, what we engineers like. But everyone seems to be really stressed with all the clinical and regulatory related tasks on their plates now. That’s what I knew would be coming with the US clinical trial, and I’m even more certain I picked the right time to retire.

Took an hour in that lovely traffic to drive from EBR to Georgia’s sister Dinah’s house (all of 12-13 miles) and another hour to drive to SJC and back for Georgia to return her rental car (she had flown there last week). An hour to pack Georgia’s stuff and back on the road to SFO. In our Road Trip blog it was noted that Georgia has trouble packing light and this trip is no exception.

The box weights 69.5 pounds (carefully titrated as the airline limit is 70), the black suitcase is about 55 pounds, the red carry-on is acceptably light. Not shown is a backpack. Yes she has problems packing light. OK, to give her a break, since we’ll be in Manila on Thanksgiving, the box contains a frozen turkey, ham, and all the fixings for a proper Thanksgiving dinner, things that you can’t get in the Philippines. Plus a LOT of other goodies for her mom, our snorkel gear, etc..  She got her standby cleared quickly, got her ‘luggage’ checked with a few stares from the baggage handlers, and was soon off to her flight to Hong Kong.

With my flight to Tokyo in the morning, I overnighted at an inexpensive motel near SFO,  one that turned out to be unexpectedly nice. At least I wasn’t itching in the morning.

In case you don’t know, in the interest of national security we don’t fly together. That’s not really it… Georgia flies Cathay Pacific since she gets family privileges from her sister Vinee, a CP flight attendant. Georgia pays a ridiculously low fare for business class. I fly United since I spent so much time with my butt in their seats for business travel I can buy the cheapest economy fare and use my miles to upgrade.

Day 2: SFO to Hong Kong (Georgia) and Tokyo (Mark)

Both of us had very bumpy flights, on mine the seat belt sign was on most of the time, and the flight attendants were told to buckle up multiple times. Didn’t stop me from eating and drinking my way across the Pacific though; I arrived in Tokyo fully stuffed. Georgia reports the same on arrival to HK.

Flying in the front of the plane is the only way to go; I fear the day when my miles run out. Georgia may have to take a job with an airline so I can get family privileges. Anyway, she’s continuing on to Manila this afternoon while I’m overnighting in Tokyo at another airport hotel and flying on to Manila tomorrow morning. The flight with a 19-hour layover is a lot cheaper than one with a short connection, saving much more than the cost of a hotel. That’s a good enough reason but I admit to being a travel wuss, I like having this break to get cleaned up and rested. No reason to hurry!

Day 3: Tokyo to Manila

Easy travel day to Manila for Mark; couldn’t sleep so got up early and went to the airport (a 2 min walk from my hotel) and had breakfast at the nice ANA lounge. Smooth flight to Manila but with the usual holding pattern on arrival. I’ve never flown into that airport without doing at least a few circles. I think the airport planners are the same people who planned the traffic control in Manila.

Speaking of Manila traffic, shortly after I arrived we needed to drive Georgia’s mom to meet with the family attorney to have some documents notarized. Off we went to Alabang, one of Manila’s districts, with Mark driving and only a vague idea of where we were going… after many calls to the attorney we finally decided we’d never find the meeting spot and just parked and told him where we were. He knew the area well and was able to find us. By the time we headed back home it was dark, which makes driving in Manila even more terrifying. People all over the place, motorcycles, trikes, and jeepneys pulling in and out and stopping wherever and whenever. Feels like you’re inside a video game. Luckily we got home before we ran out of lives; Mark quickly headed to the fridge to grab a much-needed San Mig.

Sorry for not having more pictures, but there havn’t been many photo opportunities up to this point. Things will pick up in a day or two.

Day 4: Manila to Tacloban

A couple errands this morning then back to the house to pack our bags for a 3-night trip (nice light luggage this time!) then to the airport for a quick flight to Tacloban on Leyte island. A couple days of business to conduct here and in Catbalogan on the nearby island of Samar. You probably remember Tacloban from the 2013 super-typhoon Haiyan (Yolanda in the Philippines). Tacloban was the center of devastation from this storm. The city was all but destroyed; nearly 6000 perished in this city alone. Flying in we could see one of the reasons the storm wreaked such havoc – the city and territory surrounding it are very level and low-lying, stretching flat many miles until the mountains are reached. Besides the winds which removed nearly every roof in the city, storm surges of up to 20 feet did the most damage, including completely leveling the airport we flew into. We didn’t know what to expect, but were pleased to see a strongly recovering city and meet a few people whose strength, determination, and pride are readily apparent. There are still a few reminders of the storm, we saw 4 or 5 abandoned, gutted, roofless buildings, but almost all traces are gone and the city has been rebuilt, at least on the roads we passed.

In a striking contrast to Manila, traffic here is very civilized. Our taxi driver actually stopped and let another car enter a roundabout before him! To regress a bit and explain Manila traffic, in the US we drive (most of us at least) by the lines on the road and by rules where for every situation the right of way is defined. Right of way in Manila is determined by which car can squeeze a millimeter in front of the other. Georgia has remarked that it’s a great waste by the government painting lines on the roads as no attention whatsoever is paid to the lines, the number of lanes being defined by the number of cars, trucks, and motorcycles that can possibly squeeze side to side within, and often beyond, the edges of the roadway. It can seem like total chaos, but carnage and catastrophic accidents are minimal as traffic speeds using these principles are generally reduced to a crawl.  Vendors in flipflops can walk in between and around cars without fear of being run over as they can move faster than the cars can.  It surprisingly works as long as you’re in no hurry to get somewhere.

A side note... if you like a glass of wine or two, finding it can be challenging as the Philippines is not at all a wine-drinking nation. Interestingly enough, grape cultivation and winemaking were brought to California by the Spanish Catholic priests and followed the path of the missions. Yet with 300 years of Philippine colonization by the Spanish, grape growing appears to have been unsuccessful here and wine can be difficult to find.

Normally we don’t worry about it and settle for a cold San Miguel. This evening Georgia was craving a glass before dinner so we asked at the hotel desk where we could find a bar or restaurant that could help us get a fix, and we were pointed to a place across the street.  Georgia was excited when the menu had a small wine list, including two Cabernets and a Merlot. She asked for one of the Cabernets; the waitress said she had to go check if they had it. She came back shortly and apologized, saying they were out of that wine. Georgia asked for the other Cabernet. Sorry we’re out of that one too. OK, what about the Merlot? Sorry ma’am, we’re out of the Merlot too. Do you have any wines? No ma’am, we’re out of all wines. Amusing to us at least as this is a recurring story – we’ve even seen nice restaurants in large hotels in Manila, with impressive wine lists, unable to produce anything but a Barefoot Bynum red. Maybe Georgia goes to work for an airline, and Mark starts a wine import business. We finally got a lead for a nice Italian restaurant, which had a good selection of Italian wines. An excellent dinner and Georgia finally got her wine! Another thing you wouldn’t expect here is great Italian food – we both feel that we’ve found some of the best outside of Italy, in restaurants started by Italian ex-pats who have been captured by Filipina wives (or vice-versa)! I can understand that. 😊

Day 5:  Tacloban to Catbalogan

This morning’s business was a meeting with the local head of the Philippines Land Bank. This is a government-chartered organization obtaining land and re-selling to farmers. The income from the farmer’s loans funds the acquisition of property. The subject transactions here are about 165 hectares (400+ acres) of family-owned property in Catbalogan, much of which has been settled on by squatters/farmers. This is the type of land the Land Bank is trying to get, to officially distribute to the squatters and make them legal taxpayers. The family has been trying for many years to deed the property over and receive payment. Many frustrating years, always being told that this document or the other is needed; when that’s produced there’s always another. And then the next time they go back, the official they were working with isn’t there any more and no one has any recollection of previous actions.

The meeting went well, it seems that the government is making an effort to centralize and simplify these things, for example going forward this can be handled through the office in Manila rather than having to travel to Tacloban. According to the official very little is left to do before this can be completed. Georgia warns that we shouldn’t count on this assurance yet.

Now we’re tourists for the afternoon – our driver picks us up from the Land Bank and we head towards Catbalogan. We’d hired a driver and car for the day to take us around on our errands and then deliver us to Catbalogan, about 110 km from Tacloban. On the way he drove us through one of the areas hardest hit by the typhoon, a low-lying seaside area of shanty homes. You may remember seeing post-typhoon pictures of a large freighter sitting on land quite a way from the water – rather than removing the whole thing they left it in place, some 300 meters from the water, built some structure around it and turned it into a memorial for the Typhoon victims. Strange to see a freighter in the neighborhood but a fitting tribute.

The disturbing part of it though is the neighborhood. The whole area was completely swept bare, but it’s been rebuilt as it was, with poorly constructed shacks of wood and tin. That’s how the people lived before, and what they know, but it’s a shame that the government didn’t help relocate them or at least build more substantial homes.

We drive over the San Juanico bridge which links Leyte and Samar islands, the longest bridge in the Philippines, built during the Marcos regime. Current president Duterte plans to build a longer one (mine’s longer than yours!) linking Luzon to Visayas but it hasn’t been built yet. Following the bridge is a winding 2-hour drive up the mountains and back down into Catbalogan.

Catbalogan is a city “in the provinces”. I’d heard that term before but wasn’t sure what Filipinos were referring to – the meaning is similar but more polite sounding than our euphemism “out in the boonies”. It’s a busy city, but very remote and without many of the amenities you find in the larger cities. We’re booked at the most expensive hotel in town: a “deluxe triple room” with private bath is $34/night. The room is cozy with a double and a single bed and not much space to move around, but the hotel is spotlessly clean, due we think to the army of OJT (on-job-training) helpers from a local high school. At least 20 of these always-smiling faces are constantly cleaning and re-cleaning, each one stopping to give us a warm greeting whenever we appear, coming or going.

To me, Catbalogan is the “city of trikes”. Manila has a lot of trikes, but this city is totally clogged with them, and they’re all in (slow) motion all the time. Both motor- and human-powered, passenger trikes and delivery, they’re everywhere. Colorful, each has been customized by its owner, with the owner’s name and often a favorite bible verse or a personal testament to the glory of God emblazoned on front or back. Some busses and delivery trucks are also on the streets, but few private cars. Why would you need one? A noisy and bumpy ride on a motor trike costs 8 pesos (about 15 cents) to take you anywhere in the city. The pedal trikes are the economy ride, only 7 pesos. We go first class!

You can play a quick video of a trike ride in Catbalogan here:

https://photos.app.goo.gl/3SMSh43GFNhmnvf79

Day 6:  Catbalogan

Business day #2 with visits to the Registry of Deeds (task is to get the deed to the property annotated with the names of the new settlers), then to the Department of Agrarian Reform (task unknown). Conference with Georgia’s sister in the US and back to the DAR to ask for a map of the new property division. Both the ROD and DAR have promised to have the documents ready tomorrow morning so back we’ll go.

While here in Catbalogan we’ve been “taken care of” by a family that is linked to Georgia’s by a long friendship. Third-generation daughter Bayan has been helpful getting us to the various appointments; today we met Lola (grandmother) Noling, the family matriarch, at her electronics and appliance store she’s been running for 65 years. She’s 87 and going strong, no hurry to retire. We were chatting in the store and asked if they knew a place that had good Tomalos – a Filipino take on the tamale with rice “masa” around a pork filling, coated with peanut butter, then wrapped in banana leaf and steamed. With typical Filipino hospitality, it seemed only minutes before table and chairs were pulled out and Tamalos and Lumpia appeared for us to try. Different, delicious, and RICH! Georgia and I couldn’t quite finish a whole one. And also in true Filipino fashion just as we were putting our forks down we were asked what we’d like for lunch. Oh jeez, didn’t we just finish lunch? Lola Noling definitely wanted to take us out so we agreed to dinner, we’ll meet her at the store around closing time.

Dinner was at a nice restaurant right on the harbor, with Lola Noling, daughter Collette (Bayan’s mom), two of her sons Bong and Jun, Bayan, and a few more family members. A feast of delicious food, more than enough beer, hilarious conversation with her sons trying to speak English and me trying to understand Taglish – it was one of those amazing times that leaves you with a smile, a warm heart, and a new family.

Day 7:  Catbalogan to Tacloban to Manila

Georgia thinks I’m writing too much. Maybe I’m trying to find things to write about in the absence of any real interesting travel. I’ll keep it short today.

Two more appointments this morning. First back at the DAR to pick up maps of the property. This visit was successful. Then an appointment at the Registry of Deeds to meet with the registrar whom Georgia had an appointment with yesterday but she wasn’t in the office. She was most helpful (not) explaining the number of documents that still needed to be completed and 2 new cities we would have to visit to get this done. One step forward, 2 back.

We took a shared ride van back to Tacloban, through rain most of the way. The highlight of the day was a 30 minute trike ride from the van terminal to the airport, in the rain. Remember, these things don’t have doors – Mark held an umbrella out as a door/windshield and managed to stay pretty dry. His luggage tied to the back of the trike didn’t fare quite as well.

Day 8:  Manila to Nasugbu

Finally! Today we made the 2 ½ hour drive from Manila to Nasugbu, the location of Kawayan Cove and our house-to-be. This is the third time we’ve made this drive ourselves (no driver) and it’s starting to seem familiar, at least when we get out of Manila and onto the Cavite Expressway heading south. Today I got very much the same feeling as when I drive from the Bay Area to Graeagle, with lots of traffic and the associated stress until we reach Auburn, about halfway there. After that it’s an enjoyable drive through the mountains and pine forests the rest of the way. This was very similar – through Manila, Cavite, all the way to Naic it’s a lot of traffic and those ever-annoying trikes. Past Naic you enter the mountains, tropical jungle rather than pine trees, and all the traffic, trikes, and stress disappear. Finally we get our first view of the Batangas coast, and get that peaceful feeling that we’re getting close to home.

We’re staying for three nights at Punta Fuego, a members-only golf and residential club just up the coast from Kawayan Cove. Luckily one of Georgia’s brother-in-law’s parents are members here and can make reservations for us at one of the club’s guest “casitas”.

Lovely place with a lot of different beaches and nice amenities – we looked at properties here but as this is one of the older developments along this coast all of the better lots are already taken, and we had our hearts set on an ocean view. Not to mention the prices, and the monthly dues, and all that…

Tomorrow we get to see our house for the first time!

[instantpaydayloans123-blog]

A Guide to Emergency Cash Loans and Payday Loans

In this rapidly weakening financial climate, emergency situation money fundings as well as payday advance loan are ending up being significantly popular. The trouble with these is that an increasing number of people that have never called for a short-term unprotected financing in the past are locating a requirement to acquire one for that 'rainy day' for which they have actually no longer been able to save up.

Lots of people are spending their cost savings, and also the term 'life financial savings' is currently a little bit of a joke. Those that can afford a life savings scheme do not require it, and also those that need it can't manage it. Obviously I do not suggest that essentially, due to the fact that lots of people are conserving and also require their cost savings, but nonetheless the view is pretty exact. Saving is obtaining harder, as well as when that unanticipated cost comes then those that few years ago would have had something put by to cover it no more can.

Hence the rise in Emergency Payday Loans Direct Lender finances and also payday loans, as well as there is truly extremely little to picked in between them. This overview is planned for the newcomer to this sort of short-term loaning, and how you can make it benefit you, or exactly how it can cost you greater than you can rally pay for. It's everything about utilizing the financing for the ideal factor and paying it back as concurred.

THE QUANTITY

Unless you are dealing with a company with couple of precepts, you will likely be supplied no greater than as much as $1,000 for your very first funding. Some business restrict that to $600 for first time customers. The reason for that is that the financing is not protected, and even though lawsuit would withdraw the cash back from your revenue, a lot of lender prefer to not do so for a big quantity, and it is easier and also more economical to recover a percentage than a big quantity.

Once you have effectively settled your very first funding, after that the quantity you can consequently borrow continuously boosts.

THE FACTOR

The reason for taking such a car loan has to be engaging. If you can borrow from a family member or good friend then do so since it will inevitably be more economical for you (unless they bill you a high interest rate!). It is not economical to make use of an emergency funding to pay one more funding, although if you remain in danger of defaulting on accredit card payment you could think the added cost worth maintaining your excellent credit record: no rate can be put on that.

However if your credit report is shot, as it is with many people looking for emergency situation cash money, it would likely make no distinction besides the reality that you could likely work out reduced fees with the bank card service provider than you would obtain with a payday advance loan.

There are various other factors for needing emergency situation cash money car loans in addition to being not able to pay routine costs, among them family members deaths where the life insurance is insufficient to meet all the expenditures. This is becoming more typical as process surge while financial investment prices stay stagnant. The very same holds true at the various other end of the life scale: weddings. These too can be high cost events that couple of pairs or their parents have actually had the chance to prepare for economically.

In such instances, emergency situation payday advance are an advantage, and it is an instance of obtain the event over and paid for and after that bother with repaying it. Nevertheless, as well as this is among the major points of this section, a routine lending, either protected or unsafe, will be significant more economical than an emergency situation financing. So if you have 2 or 3 weeks to spare, get a routine financing that can be paid over a longer time period. Emergency situation cash money lendings are actual emergency situations when money is short.

THE PRICE

Rate of interest differ, but they are not termed that - they are generally described as the charge. That can be anything the loan provider desires yet the average is around 25% for as much as a month. So if you get paid on the last day of the month and also borrow $400 on, say, the 10th, you will certainly pay back $500 the complying with payday. And also if you stop working to do so, due to the fact that you can't afford it, then you can 'roll over' the lending and also settle it the following payday with one more charge, so you pay back $600.

That is why you should be able to fulfill the setup. To individuals in genuine need, who have probably simply had an enormous drainpipe on their regular monthly wage for whatever reason, $400 to trend them by on grocery bills till completion of the month is great, as well as they can conveniently settle $500 from their income. Nevertheless, if not, after that it can be really costly, that is all I am saying. I am not saying do not do it - heck I have actually done it two times myself, which is why I know so much concerning it - however do it with your eyes open and pay promptly.

THE PROCESS

There are numerous different treatments, as well as not all lenders work the same way. Below are several of the variables:

1. Credit score checks: some loan providers will certainly accomplish a credit check and also some will not. You could get a reduced cost if you have a great credit document, but a bad debt record will certainly not stop you getting the emergency cash money lending. Due to the fact that:

2. Safety and security: the car loan might be legitimately classed as unsafe, yet you need to be in employment to obtain one, and likewise have an inspecting account, or bank account as it is hired the UK. The safety and security is that the lender has you sign a direct debit type to ensure that the settlement is extracted from your checking account on cash advance.

Currently, they have no ways of recognizing when your payday is, however if you stop working to pay they can have an arrestment order on your earnings, to ensure that your next income comes with the repayment taken off. Your company is bound by legislation to adhere to the arrestment order. That can be unpleasant, which is why you should stay with the arrangement.

3. Plan: The manner in which my two finances were prepared went as so with 2 different lender:

a) I applied making use of an on-line form, offering the common personal information, plus my monthly take-home pay, my pay date, as well as the telephone number of the business - not the name, simply the number.

b) I completed an online direct debit required providing my bank details and also account number.

c) The loan provider called the business and also asked for me. When they were put through I was asked my date of birth as well as monthly wage. That was how they checked that I benefited the business, and also me knowing the details indicated that it was I that completed the type.

d) The cash money was put into my savings account.

That was it - with both companies. Now I know that some ask for you to fax your financial institution statements as well as payslips, but you can stay clear of that if you take care of the firms on my internet site. There are the very easy ways and the hard ways. In fact among the two business I managed had the money in bank within 2 hrs of me applying through a MEN settlement - that type of settlement normally costs a fee, yet it came complimentary. Well, you recognize what I suggest. I didn't pay for it beforehand allow's claim, however it was definitely included in the cost!

So there you are. That's exactly how I did it. Twice. I paid them back at the correct time, and also the fundings assisted a large amount. I no more need such solutions but they are great if made use of correctly. I can help you do the exact same point if you really need the money: but you have to truly need it currently, because otherwise you are better setting up a longer term protected or even unsecured finance.