#NEVER join bank accounts. keep a hold on your assets.

[marzipanandminutiae]

thoughts on "tradwives" as a 19th-century social historian

It's great until it's not.

It's great until he develops an addiction and starts spending all the money on it.

It's great until you realize he's abusive and hid it long enough to get you totally in his power (happened to my great-great-aunt Irene).

It's great until he gets injured and can't work anymore.

It's great until he dies and your options are "learn a marketable skill fast" or "marry the first eligible man you can find."

It's great until he wants child #7 and your body just can't take another pregnancy, but you can't leave or risk desertion because he's your meal ticket.

It's great until he tries to make you run a brothel as a get-rich-quick scheme and deserts you when you refuse, leaving your sisters to desperately fundraise so your house doesn't get foreclosed on (happened to my great-great-aunt Mamie).

It's great until you want to leave but you can't. It's great until you want to do something else with your life but you can't. It's great. Until. It's. Not.

I won't lie to you and say nobody was ever happy that way. Plenty of women have been, and part of feminism is acknowledging that women have the right to choose that sort of life if they want to.

But flinging yourself into it wholeheartedly with no sort of safety net whatsoever, especially in a period where it's EXTREMELY easy for him to leave you- as it should be; no-fault divorce saves lives -is naive at best and dangerous at worst.

Have your own means of support. Keep your own bank account; we fought hard enough to be allowed them. Gods willing, you never need that safety net, but too many women have suffered because they needed it and it wasn't there.

#history #women's history #pregnancy mention #my mother (born 1953) drilled this into me from an early age: have a safety net. have a skill and keep it up to date. have your own money #NEVER join bank accounts. keep a hold on your assets. #well and good to be a stay-at-home wife and mother- I know other lesbians who want that even! #but if your partner is your sole financial support...you're courting danger IMO

[virtualnachocrown]

What investment app do you find useful?

The Indian stock market is seeing unprecedented growth. It recently passed the $3 trillion level, which is a new high. This phenomena is drawing a lot of fresh money. You appear to want to join the party because you clicked on the link on this page. Online stock market investing is now possible. Stock market applications take centre stage. Invest in any asset from the convenience of your phone. Despite the fact that there are several similar applications available online, we have chosen to recommend the finest one here. We typically select stock market applications based on a few essential criteria. Here are a few that you should never overlook. The usefulness of these apps depend on these exact criteria. 

The user interface of an app determines how excellent it is. Even if an app has a lot of features, it's useless if you can't utilise it effectively. Its makers must take the user's comfort in mind.

The goal of web apps is to help people save time. An app has to be able to do several actions at the same time. It should not become entangled in a transaction. Such occurrences might result in financial losses. Traders that engage in intraday trading require a high level of speed.

The stock market is a fast-paced environment. In a couple of seconds, market patterns may change. As a result, it's critical that you obtain all pertinent information from the Stock market app itself. So, see if the app allows you to access market data.

It is impossible to keep track of change in every market. As a result, the app should keep you up to speed on all current happenings. It should send out notifications in a timely manner. Here is one such high-end app which is brought to you by IIFL Securities, a reputable financial organisation. It may be downloaded from both the Android and iOS app stores. This programme is one of the most useful stock trading apps currently accessible on the market.

Some of the best features of the app:

Live portfolio tracker: A separate portion of the app has all of the information about the assets you hold. As a result, keep an eye on how your holdings are performing in real time.

Real-time price quotations: You may get real-time price quotes for stocks and other assets. The data is obtained straight from stock exchanges using the app. As a result, there are no delays.

Charts and various trading tools: The software includes many forms of charts for stock price activity, such as bar graphs, candlesticks, and so on. They aid in the comparison of stock price variations over short and extended periods of time.

Personalised watchlist: Investors may create a watchlist for stocks they wish to keep an eye on in the future.

Transactions that are quick and secure: The app is capable of completing all transactions quickly and securely. Transferring money between bank accounts is simple and secure. It comes with a "m-pin" function that adds an extra degree of protection.

Alerts: All of the most recent market news is delivered to you in a flash via notifications. As a result, you're always on the lookout for important market changes.

Given these beneficial characteristics, we can conclude easily that the IIFL Securities stock market app is the most useful Stock trading app. To enjoy the experience, download the app right now to get started on your investment adventure.

#trading app

[kajolkajul]

Aufin

Aufin is a decentralized cryptocurrency fund designed to help investors make profits every day

Preview

These are decentralized financial instruments, also known as digital assets, which were created to allow investors to increase their money while they sleep. The Aufin protocol will use blockchain technology to perform fully automated crypto investment actions. It will be a source of passive income for any investor looking for daily profit as well as long term asset growth.

Aufin crypto auto staking and compounding defi protocol is a cryptocurrency platform that can help people make a lot of money in the future just by joining the project.

Aufin crypto auto staking and compounding defi protocol is a cryptocurrency platform that can help people make a lot of money in the future just by joining the project.

AUFIN CONTRIBUTION TO DEFI MATTERS

The Aufin protocol is a new crypto staking and compounding defi protocol used by all financial products developed on the Aufin platform. The system is built around smart contracts and offers users a simple method to make money.

Aufin is a decentralized (defi) finance protocol that enables secure on-chain bond investment and incorporation. Aufin tokens (AIF) will be used as transaction fuel for all ecosystem services.

Aufin is a technology that automates the staking and compounding of cryptocurrencies in the background. Aufin will also assist you in tracking your portfolio profit and loss data, as well as provide market trend analysis.

By automatically depositing funds in a timely manner into cryptocurrency market accounts, Aufin's crypto defi protocol allows every user to benefit from the best potential interest rates. Deposits are only made if the bank's interest rate is high enough; otherwise, the money stays in his wallet and earns interest on his balance.

AUFIN UNIQUE FEATURES

Using the power of blockchain and our patented smart contract technology, Aufin crypto's auto staking and compounding protocol is the simplest way to generate passive income with very minimal maintenance costs.

The greater the staking and compounding returns on Aufin crypto, the longer you hold it. This protocol is intended to provide the best returns over the longest period of time. The goal is to keep the token price as stable as possible.

Aufin is a decentralized community based crypto staking and compounding platform technology. It is the first of its kind to provide a crypto-friendly ecosystem for investors and companies.

Benefit Token Holder

Aufin focuses on developing DeFi that provides benefits and incentives for Aufin token holders. Here are some of the benefits for $AUN holders:

Okay with Aufin Insurance   — 5% of all exchange fees are held in Aufin Insurance which supports and supports tagging awards by maintaining cost solidity and significantly reducing the risk of loss.

Simple and Safe Betting   — Aufin tokens generally stay in your wallet so you don't have to bother placing them under the control of outsiders or concentrated forces. You just buy and hold because as a result you get the gift in your own wallet so no more messed up tagging process in any way.

Interest Yield with Automatic Payouts   — You really don't want to stress about having to re-stake your tokens. The interest yield is paid naturally and accumulates in your own wallet, promising you will never miss an installment.

APY Still the most important  — Aufin paid 480,419.00% at the start of the year rivaling anything in the DeFi field to date. After the first year, borrowing costs drop during the Epoch.

Fast Interest Payouts   — The Aufin Protocol pays each Aufin Token holder every 10 minutes or multiple times each day, making it the fastest auto-generating convention in crypto.

Automatic Token Burning   — One of the amazing elements of the Aufin Protocol is a programmatic symbolic consumption framework called “Aufin Fireplace” which prevents supplies from going crazy and getting out of hand. Fireplace consumes 2.5% of all Aufin Token market offerings and is forfeited in similar individual exchanges.

AUFIN'S MISSION

The most successful crypto investment and auto-staking protocol is Aufin's auto-staking and compounding defi technology. It allows you to invest in a pool of smart contracts programmed to stake, pool and return your sums at predefined intervals.

OUR ECOSYSTEM

Aufin is a Crypto Auto Staking and Compounding Decentralized Economy (Defi) system that uses smart contract technology to provide real-time transparency and fairness while also providing a return on investment over the staking life cycle.

Aufin is a cryptocurrency based on the DeFi protocol. The Defi protocol is an automated staking and compounding system for cryptocurrency wallets. You can create multiple wallets, each with its own set of features and parameters. Automated betting is a concept that allows your cryptocurrency to be spread automatically across multiple platforms depending on predefined rules.

IN BRIEF

AUFIN is a Binance based system that allows you to generate passive income in the form of cryptocurrencies without having to manually intervene.

The defi protocol is an automated staking mechanism that allows you to earn interest simply by storing defi coins in your wallet and allows your wallet to connect to the network. If your coins mature, the protocol will automatically stake them by transferring them to the network, and it will also stake them to increase your interest while the network is staking.

$AUN is a customizable stock BEP-20 token that rewards holders using positive rebase conditions. - Adjusted LP 4% of trading fees back to liquidity ensuring increased security. - Risk Free Value 5% of trading fee is transferred to Aufin security which supports and supports stamping rewards given by positive rebase. - Vault 2.5% of purchases and 4.5% of direct settings to the vault that manages Aufin's insurance.

$AUN TOKEN $AUN tokens are distributed every ten minutes for the next twelve years as a reward to token owners.

Every time you receive an AUN reward, your position in the queue to get paid again is automatically moved up, meaning that even if you occasionally miss a payment, your total earnings will always increase as long as you are tokenized. holder.

NO TEAM TOKEN

WITHOUT ADDITIONAL MINT

WITHOUT PULLING THE GEM

TRADE COST

When you trade as an investor, on average you have to pay 16% of the value of your trade in transaction fees (known as “taker fees).”

The lower fee structure we have at Aufin gives us the ability to return 480,419.00% annually to our investors' credit accounts.

BUY TRADE FEES

Aufin Insurance….5%

Aufin Treasury… .2.5%

Aufin Fireplace… .2.5%

Aufin Auto-Liquidity…..4%

SALES TRADE COST

Aufin Insurance….5%

Aufin Treasury… ..4.5%

Aufin Fireplace… .2.5%

Aufin Auto Liquidity……4%

CONCLUSION

The Aufin Protocol is a protocol that allows users to earn continuous compound interest on their assets.

This is done by using Ethereum smart contracts to allow users to store their assets in the #Aufin Wallet, where the protocol will generate interest automatically.

The protocol will use the Ethereum blockchain technology to allow users to earn a continuous, fixed compound interest.

Useful PROJECT LINKS Website:   https://www.aufinprotocol.com Twitter:   https://twitter.com/ProtocolAufin Telegram:   https://t.me/aufinbsc Media:   https://medium.com/@AufinProtocol Discord:   https://discord.gg/KyNcSPquNP

Name: Aliandho

Btc Url: https://bitcointalk.org/index.php?action=profile;u=3428431

[shotsbyshae]

The Reckoning

Warnings: Language

Words: 2.4k

Pairing: Ransom Drysdale x Fem!Reader

Summary: The aftermath of Freaking Me Out

Song: The Reckoning by Halestorm

Ransom Drysdale Masterlist

*Spoiler free: no movie connections whatsoever.

I should have known better than that. I should have known all along.

For the first several days, the TV screen in the corner of the room stays off.

A black void.

You can’t stand the sight of his face popping up every few minutes.

The sound of his name and yours in the same sentence.

You never imagined you could be angrier than you were when Steve left.

Unaware you’d allowed Ransom that much control over your emotions – how?

When?

Being stuck in a hospital bed only agitates you further and you constantly find yourself apologizing to Parker for snapping at him – at least he’s understanding. He takes your anger with stride and doesn’t look at you with pity, his dark eyes only full of warmth and kindness. Peter doesn’t let you see his anger, unlike Sam and Bucky, who don’t try and hide their hatred for Drysdale.

***

“Both accounts are in your name,” Sam states, as Ransom sits across from him in the small interrogation space. “Both show large cash withdrawals, a total of fifteen grand – money to hire the shooter?”

Ransom shakes his head, “No, I swear – I had nothing to do with it.” His eyes plead with the man across from him. “I’m telling the truth. I sure as hell never paid anyone fifteen thousand dollars to shoot her. I wouldn’t.” He glances to the bank statements that Sam slides in front of him.

“That’s not what your girlfriend says,” Barnes interrupts from where he’s leaning against the wall.

He slams his fist on the table angrily, “She’s not my –” His voice trails off as he takes a moment to calm down, lowering his voice. “She’s not my girlfriend. I barely fucking know her.” Ransom huffs as he glances back at the statements once more, noticing something. “Wait – this one isn’t even my account.”

Almost 2 Weeks Later

Ransom’s losing track of time in the S.H.I.E.L.D. containment facility, but at least it’s better than prisoner. He’s asked anyone who will listen and everyone who won’t, to try and contact you.

“I just need five minutes – please.”

If anyone will believe him – it’s you.

Right?

Are you still in the hospital?

Surely not.

If that’s the case, then why haven’t you been by to see him?

Ransom knows why.

Hell, he’d believe it too if he were you.

The door to his cell unlocks and Nick Fury enters, his face solemn as he closes the door behind him slowly.

“Mr. Drysdale,” the man greets him with a sympathetic sigh. “This isn’t easy – it’s about your grandfather – Harlan.” Ransom’s brow furrows in concern at the agent’s demeanor. “I’m sorry, but he passed away this morning.”

***

Three black SUVs slowly roll to a stop in front of the large mansion. Wilson climbs from the driver seat of the second vehicle while Barnes exits the passenger side, both dressed in solid black S.H.I.E.L.D. uniforms. Bucky opens the rear door and not-so-gently jerks Ransom from the backseat. He’s dressed in a black suit – curtesy of his mother – wrists cuffed.

“If you make a move,” Sam comments, slipping the key into the cuffs.

“Please – do,” Bucky smiles menacingly as Wilson removes the shackles, then shoves the man forward.

Once inside the house, Ransom sees the rest of his family have gathered in the study. His father, Richard stands at the sight of him and walks towards the foyer, while his grandfather’s attorney Alan exits the kitchen opposite the study.

Ransom hears Fury’s voice behind him, but it’s the sharp sound of heels clicking against the old hardwood that catches his attention. He turns, surprised at the sight of you walking into the foyer, hands shoved casually into the pockets of the black trench coat you have tied at the waist.

His heart stops.

Never fully realizing how much he’s missed you until this moment.

He’d give anything for a moment alone with you – to talk – apologize and explain that he had nothing to do with it. He could never hurt you – would never in a million years do that – not to you.

When you glance at him, it’s cold – empty. It’s obvious your mind is made up and there’s no salvation for him. It shouldn’t surprise him, it’s not like anyone’s ever really believed in him.

Why would you believe me?

“What’s she doing here?” Richard asks Alan, disgust apparent in his voice as he glances at you.

“It was one of Harlan’s requests,” the attorney responds with a shrug of his shoulders before entering the study.

Richard moves closer to Ransom, placing a hand on his shoulder, “How are you holding up, son?”

He cuts his eyes at his father, annoyed at the mock attempt of sincerity, before his attention turns back to you moving past him to the study, “Thanks for coming.” His words are soft, and they make you stop in your tracks. “Granddad would’ve appreciated it.”

You turn sharply on Ransom, your glare almost as hateful as your tone, “I’m here for Harlan – not you.”

 Once everyone is settled inside the study, Ransom’s thoughts drown at Alan’s voice as he speaks from the front of the room. He’s sitting in a corner chair, where he can see you from the corner of his eye. Barnes and Wilson standing directly behind him – vigilant over their prisoner. You’re standing in the back, poised like a force to be reckoned with. The look in your eyes is cold and calculating – a look Ransom is familiar with.

If he hadn’t invited you to the book launch, maybe this wouldn’t have happened. That crazy bitch Ashley was obviously jealous – that’s the only motive he can think of.

His eyes glance around as Alan lists everything Harlan owned, and he slowly begins to realize only his parents and Uncle Walt are present for the reading of the will – odd – not that he cares.

“Harlan wrote up a small statement here. ‘Recently I made choice, after witnessing something I didn’t think possible, which would leave my grandson, Ransom Drysdale as the sole heir to the Thrombey fortune.” Ransom’s eyes widen in shock at the revelation, his mind racing with those words. “Unfortunately, due to the recent events with Ransom, that is no longer an option. Therefore, I, Harlan Thrombey, being of sound mind and body – blah, blah – my assets, both liquid and otherwise, leave in their entirety to –” Alan’s voice meets a stunned silence as your name falls from his mouth.

“What the hell?!” Walt exclaims, slowly standing up angrily.

“You’re joking, right?” Richard stares at Alan for a moment as Linda glances back at you slack-jawed.

“I’m afraid not,” Alan says calmly.

“How is this even possible?” Walt shakes his head, his face turning red.

“I’ll tell you how,” Richard remarks, turning towards you menacingly, his finger stabbing in your direction. “That manipulative bitch.” He practically snarls. “You got inside Harlan’s head, making him think Ransom could be anything more than the ungrateful prick that he is.” Richard’s eyes narrow for a brief second, ignoring Linda’s protest at his comment.

“Richard!”

Ransom begins to object to his father’s tirade, but Barnes clamps a hand on his shoulder roughly, keeping him in his seat. The look Bucky shoots down at him isn’t just a warning – it’s something more.

Drysdale grips the ends of the chair arms angrily, knuckles turning white from lack of blood flow as his father continues the verbal assault. “Maybe, if he’d paid his little girlfriend more than ten grand, she would have put that bullet through your heart and saved us all a lot of trouble.”

Ten.

The number strikes Ransom and he glances between Wilson and Barnes. From the look the two of them share, they caught it too and he looks over to where you stand, seeing the tick in your jaw.

You begin to cross the study toward Richard, “Funny, no one ever said publicly how much Ashley was paid. That information was –” The sound of your heels echoes on the hardwood as you take each step painstakingly slow. “Classified.” An all-knowing smirk begins to spread across Ransom’s features. “Even when my guys questioned him and said fifteen grand had been withdrawn from his accounts, he just assumed that was how much Ashley was paid – until he saw the accounts and realized one of them wasn’t his. You seriously didn’t think we wouldn’t run the other charges on the account you opened in Ransom’s name?” You raise a curious eyebrow at Richard who is fuming at your revelations. “Go and pull the security footage from those hotels. A separate account under your son’s name for your affairs – smart – even for you, Dick.” Linda looks over at her husband in shocked silence and betrayal.

A sense of relief begins to wash over Ransom and for the first time in weeks, he feels like he can breathe again. You glance slightly over your shoulder at him, the determined look on your face unwavering, but you wink at him.

Richard drops his head as Walt shakes his head, furious with his brother-in-law, “Dammit Richard.”

Turning your glare over to the other man, you fold your arms across your chest, “And you – thinking Harlan wouldn’t recognize Ashley as the intern from three summers ago at the publishing company – really?”

Flashback

It’s almost a week into your hospital stay when there’s a knock on your door before it opens slightly, revealing a familiar bald head.

“Are you up for a visitor?” Fury questions. “There’s someone who’d like a moment with you.”

“Okay,” you respond hesitantly, it’s not like Nick to ask before doing things.

“Parker – outside,” he states and Peter jumps to his feet quickly, following the order.

You’re surprised when Harlan Thrombey enters the room slowly, closing the door behind him. He turns to you with a look of concern on his elderly face, “Hello dear, we need to talk.”

Present Day

“Publishing wasn’t for her though, was it? She joined the army, only to be dishonorably discharged,” you shake your head in disgust before waving your arms out in front of you. “All of this – why?” Glancing over at Ransom in the chair. “Because you were jealous of your own son – your own nephew?”

“He was going to leave him everything,” Walt responds, his frustration apparent in his features. “And why? Because he wrote a fucking biography?”

“No,” a voice from the balcony above states and everyone glances up to see Harlan standing at the rail.

The shock and surprise evident on everyone’s face except for the S.H.I.E.L.D. agents in the room. Linda gasps at the sudden appearance of her father and Ransom stares at his grandfather in amusement, almost laughing as he utters, “Ho-ly shit.”

“Not because he wrote a fucking biography,” Harlan repeats Walt’s words. “But, for the first time in his life, I saw him doing something he was truly passionate about. That’s more than I can say for anyone else in this family.”

***

Ransom slowly follows you out the front door after having a talk with Harlan. Barnes and Wilson several steps ahead, escorting Richard and Walt out to the awaiting SUV. Fury and Harlan are close behind them, watching as Linda screams in her husband’s face.

“God, this was – something. It definitely had Granddad written all over it,” Drysdale comes to a stop beside you. He glances over at you, gauging your mood. “I mean – you were –”

“Awesome.”

“I was going to say terrifying,” he clarifies, noticing the smirk you try to hide. “But that works too.”

“It wasn’t all Harlan’s idea,” you remark. “I had some input.”

Ransom glances over at you sincerely, “Thank you.”

“Sorry it wasn’t sooner,” you remark. “It took Harlan to make me start questioning things.” You look up at him honestly. “I was too angry to think rationally, easier to think the worst I suppose. I should have known better though – I'm sorry.”

There’s a look of relief and forgiveness in his eyes, “It’s okay.” The two of you watch as the SUV with Walt and Richard inside pulls away. There’s a weighted silence before he says quietly. “I’m sorry – sorry that I couldn’t keep you safe around my own fucking family.”

You shove your hands into the pockets of your coat, glancing up at him almost playfully, “Since when do I need saving?” His blue eyes flick over to you, a smile slowly spreading across his face. You shrug your shoulders, “Besides, you gotta admit – this would make for an interesting book.”

“It would,” Ransom agrees, trying not to look too excited by your suggestion. “I’m sorry, but is this you agreeing to a book?” You narrow your eyes at him, but the devious smile on his face doesn’t falter. “Maybe we can discuss it over dinner.”

“Dinner?” a small laugh escapes you at his sudden brazenness. “Easy tiger.” A sly smile crosses your face. “How about you pick one - dinner or a book.”

Ransom bites the inside of his lip, contemplating your proposition, “That sounds like a trick question.”

“Bet your ass it is.”

He watches you for a moment, before that classic smug demeanor of his returns, “In that case, I have to go with the book.”

“Really?” the surprise on your face doesn’t faze him.

“Yea – I mean dinner only guarantees me an hour, maybe two, then what?” You’re unable to hide the smile playing on your lips as he continues. “A book – well a book gives me weeks, and if it does well, it could have a sequel.” The smile on his face is wide – childlike humor in his eyes. “Hell, it could turn into a series – you could be stuck with me for a long – long – time.”

Ransom stares down at you with a devious glint in his blue eyes and you shake your head. That wasn’t the response you’d expected, and he knows it.

Damn him.

“You’re an asshole,” you smirk at him.

“You like it,” he retorts before you begin walking down the steps. “Where are you going?” He calls after you.

You spin on your heel, not losing a step in your stride as you continue to walk backward, “We’re going to dinner Ransom, and you’re driving.”

He sprints to catch up with you, grabbing for the passenger door of the SUV before you can. Bright eyes staring down at you as he opens the door, “Always. So. Bossy.”

You climb into the vehicle, trying to match the smug smile he carries so well, “I think you like it.”

Ransom waits until he closes the door and starts around the hood of the SUV before he makes his remark under his breath, mimicking your earlier phrase.

“Bet your ass I do.”

#ransom drysdale #ransom x reader #ransom drysdale x reader #ransom drysdale fanfiction #ransom drysdale fanfic #knives out #knives out fanfic #knives out fanfiction #fanfic #avengers fanfic #avengers fanfiction #marvel #mcu #steve rogers #steve rogers x reader #steve rogers fanfic #steve rogers fanfiction

[notebooknebula]

Dr. Paul White of RealNumberz

https://www.jayconner.com/dr-paul-white-of-realnumberz/

Jay Conner is joined by none other than Dr. Paul White, the founder and CEO of White Orthodontics, and author of several best-selling books.

White Orthodontics is a high-end, technology-focused orthodontic practice based in Virginia.

Dr. White created RealNumberz with his son, Trey, to utilize the latest technology to “supercharge” his real estate investments.

RealNumberz is the only comprehensive software application designed to help investors manage a diverse set of assets that includes rental properties, private lending, fix-and-flip, and fix-and-hold projects, as well as mortgage notes and syndications.

This incredible software eliminates investor anxiety by using real-time data and an automated reminder system to allow real estate investors to maximize their returns with 50 percent less time.

Paul believes the key to achieving financial freedom has as much to do with optimizing your existing investments as it does with acquiring more of them.

RealNumberz is the easy-to-use solution for the ongoing problems associated with late or inaccurate rents, incorrect note payoffs, uncontrolled and over-budget rehab projects, “yield drag”, and much, much more.

RealNumberz has helped many of its clients save thousands of dollars and manage their real estate investments from their pockets! Go to https://www.realnumberz.com to see how you can “supercharge” your portfolio with this amazing software!

Real Estate Cashflow Conference: 

https://www.jayconner.com/learnrealestate/

Free Webinar: 

http://bit.ly/jaymoneypodcast

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.

#RealEstate #PrivateMoney #FlipYourHouse

————————————————————-

Jay Conner (00:00): Well, hello there and welcome to another episode of Real Estate Investing with Jay Conner. I’m Jay Conner known as the Private Money Authority. Also the host of the show today. And if you’re brand new to the show, we talk about all things that relate to real estate investing. We talk about how to find off market deals, motivated sellers. We talk about how to get your deals funded without relying on banks or mortgage companies also talked about how to rehab houses. We talk about how to sell them fast. And just as importantly, we talk about how to automate the business because after all, why are we in this business? Well, we’re in the business for the wealth and the freedom. So we’re not looking to replace our day job with another job, called real estate investing. We’re looking to run the show to where we are running our business and our business is not running us.

Jay Conner (01:03): Well, again if you’re brand new, I started back in 2003 in Eastern North Carolina, investing in single family houses. And for the first six years, until 2009, I relied on the local banks. I got cut off like the rest of the world did in January, 2009, after being in the business for six years. And I learned about this world of private money and private funding. How to use people’s individual investment capital and their individual retirement accounts to where I can have an unlimited number of private lenders into an unlimited number of private deals. As of today, my wife, Carol Joy, and I have got 49 private lenders individuals, just like you, that are investing with us and and funding our deals. So if you are also interested in learning how you can get funding for your deals and not ever miss out on another deal, because you didn’t have the money and you don’t want to rely on your credit, you don’t rely on your verification of income and your credit score.

Jay Conner (02:05): I’ve got a free gift for you. And that free gift is to come join me, access free for the first 30 days to my new Private Money Academy membership. So why in the world would you want to come check me out for free? Well, first of all, you get me live two times a month in a Zoom coaching call in the group setting for all of the members. Right now, we’ve got about 150 members or so, and it’s growing very, very quickly. We do that twice a month. You can bring all of your questions to the Academy membership, Zoom call. And we also update content every month, talking about locating deals and funding and et cetera. And on each Zoom coaching call twice a month, we put one of the Academy members such as yourself in what we call the hot seat, where we analyze your business, figure out what your challenges are and help you put together a plan to help take you to the next level in your business.

Jay Conner (03:04): So come join me for free for the first 30 days at Jay Conner, www.JayConner.com/Trial again, that’s Jay Conner, JayConner.com/Trial. You will absolutely love coming and checking out these Zoom calls and et cetera, with all the benefits that you get as being in the membership. Well, if you are brand new to joining the show, you may not know this, but if you’ve been tuning in for awhile then my lands, we launched June, 2018. We’re almost North of 300,000 downloads and growing very, very quickly. I have some amazing experts here as guest on the show. Well, today is no different. Let me introduce to you my friend and expert. Well, this gentleman is the founder and CEO of a company called White Orthodontics, which is a high end technology focused orthodontic practice in Virginia.

Jay Conner (04:12): And he’s also the author of several bestselling books. Now this gentleman also created a service that is called Real Numberz that ends in a Z. And he created that with his son, Trey, and the reason he created it, they created it was to utilize the latest technology to supercharge their real estate investments. Well, here’s what Real Numberz is about. It is the only comprehensive software application that’s designed to help real estate investors manage. And that’s the key word because this gentleman is an expert when it comes to managing deals after you bought them, which is a challenge for some people, but he designed this software to help real estate investors manage a diverse set of assets, which could include rental properties, private lending. There you go! Fix and flip properties, buy fix and hold properties, as well as if you’re into notes, mortgage notes, or syndications, his software will also help manage those investments as well after you get in.

Jay Conner (05:25): So this incredible software that he and his son Trey developed eliminates the number one investor anxiety by using real time data and an automated reminder system that allows real estate investors to maximize their return with 50% less time of yours involved in the deal. He also believes the key to achieving financial freedom has much to do with optimizing your existing investments as it does with acquiring and getting more investments. Well, his software Real Numberz is that easy to use solution for the ongoing problems associated with later inaccurate rents, incorrect note pay offs, uncontrolled or over budget rehab projects, and much, much more. In addition to that, this software has helped many of their clients save thousands of dollars and manage their real estate investments from their pocket. So with that, let me welcome my friend to the show and expert Dr. Paul White. Hello, Dr. White!

Dr. Paul White (06:35): Hey Jay, how are you doing?

Jay Conner (06:37): I am Fantastic! And just for the sake of these, may I call you Paul on the show?

Dr. Paul White (06:42): Oh, please do.

Jay Conner (06:45): So. Welcome to the show Paul. So glad to have you. Of all the experts and guests that I’ve had on this show. I haven’t had anybody else come on the show with this type of software and this kind of service to help real estate investors. I mean, in my business still today, we keep up with everything on an Excel spreadsheet. Seems to work pretty well since our average profits are 67,000, but you know, one of the four pillars that I teach in my business is what I practice. And that is automation. I actually work in the business less than 10 hours a week because of automation, other software we use and the team we have. And so I’m so excited to hear about this automation software that you and your son Trey have developed.

Dr. Paul White (07:33): Well, Jay, thank you so much for having me and, you know, I appreciate so much what you do and the great coaching that you give your clients. And it’s an issue that I have seen. It’s the same thing you just said. There’s just not much out there, right? We’ve never had anybody on that talked about this stuff. And it was a problem that I had and, went to solve the problem by looking for software. And all I found were spreadsheets and things like that. And I had sort of a bigger list of things I wanted to accomplish. And so spreadsheets are great, but they don’t take care of everything that you want to do with them. And so as a matter of fact, I was a member of a mastermind years ago, and I’m doing a lot of what you were coaching and that is to acquire stuff.

Dr. Paul White (08:09): You know, I had been for too long that guy that did what Dave Ramsey said, and that was to just save your money and pay off all your debts and do all those things. And that’s great if you’re in debt or if you have, if you can’t manage your money, but it’s not a great formula for managing wealth , and so anyway I started, you know, I had some money saved up. So when I got into these masterminds, I started, you know, acquiring a bunch of assets and I was feeling really good until the phone started ringing, you know, for more money and, you know, verifying payoffs and all this stuff. And I just started going, Oh my gosh! You know, what do I do? And here’s the problem. I went and talked to some of the guys in the group that had been in there before me.

Dr. Paul White (08:43): And I said, what are you doing to kind of keep track of all this stuff? And surprisingly the answer was nothing, you know, and occasionally the really sharp guys were using spreadsheets. And so then I asked, okay, well, what, what kind spreadsheet? And one guy said, well, I got this one off the internet. And other guy said, well, I got this from my brother-in-law. And I looked at him and they weren’t even the same, you know, and as orthodontists, we were like things nice and straight and neat, and even, and I just, I wouldn’t see in any kind of congruency there. So it made me a little nervous. So that’s sort of how it got started.

Jay Conner (09:11): There’s no doubt. There’s a huge demand for this type of service. Let me go to your background for just a moment.

Dr. Paul White (09:17): Sure!

Jay Conner (09:17): Please share with me and the audience, your story. You’re a doctor. And you know, you can straighten people’s teeth, right? And then you got into real estate investing along the way. So let’s hear your backstory.

Dr. Paul White (09:31): Well, you know, thank you for the question, cause it’s a great question. And it’s a lot of what we wrestle with it, you know, Warren Buffet famously said, you know, if you don’t make money, while you sleep, you work till you die. And that was sort of a, you know, kind of a crazy thing. And the Aha moment for me was when I finally understood the difference between income and wealth, you know I have a great job, but as Kiyosaki would say in his book, Cashflow Quadrant, I owned my job and that was all I had. I didn’t have wealth and I wasn’t building any wealth I was just working. So, you know, just like you’re trying to do with your clients, we’re trying to have freedom. You have to have income for that. Actually I have to have wealth from that.

Dr. Paul White (10:08): And I had income and I didn’t have freedom. And even still with my job, I own a good job and I make a good living, but I can’t leave the job for more than, you know, a week or so because of the amount of work that it creates before I leave and the tremendous amount of work that leaves when I get back. And so you just never gone very far and you’re always, you know sort of tied or chained to the practice. And so that was sort of a big Aha for me, is understanding that if I’m going to have some more freedom, I have to have something that’s making money while I’m not there. And for me, orthodontics was not that, not that thing. I love it it’s been great, but I started looking for other ways to make money and I discovered what you know, and what all your clients have known or will know.

Dr. Paul White (10:46): And that is that all the wealthy people in the world that are successful have real estate as a major portion of their portfolio, if not all of it. And so including our current president. Thanks. So, anyway it’s one of the things that I’ve learned is that real estate is the way to go. And, as I said, when I was in this mastermind sort of, you know, a little hand holding and trying to learn how to learn the ropes I just found that no one was keeping track of things. And so you see these pictures of messy desk and and so mine, wasn’t a messy desk. It was on a pool table. So I had paperwork spread everywhere and I was just excited, you know, I was acquiring stuff left and right. And I was just leaving this pile of, paperwork and assets behind me.

Dr. Paul White (11:26): And I thought, that’s all I had to do. Right. Cause you hear the term passive income. And so I thought that was it right? I’m there I’ve arrived. And then, you know, the headaches started coming and the questions started coming and you’re getting a lot of emails and phone calls asking for more information or more money or any of these things. And I just started going, Oh my gosh, how am I going to handle this? So my, momentary moment of sort of peace and I feel finally arrived and I’ve got it going, just sort shattered into the reality of my portfolio was chaos. And so I had to find a way to get control of it. And and that’s when I went to my son. Cause I know you mentioned you know, spreadsheets Excel. And to be honest with you, I’m a little intimidated by that.

Dr. Paul White (12:08): It’s not that I don’t like numbers, but for some reason I never learned Excel and all the other software that I ever learned, I just sort of picked it up and started working with it. So, and I can do the basics in Excel, but I can’t really do, you know, create all the sales and do those kinds of things. And so I asked my son who is a programmer. I said, can you make me an Excel spreadsheet? And he said, sure, what do you want on it? And so I told him a few things and as he’s programming, I said, I started asking more and I started adding more things. He goes, alright, do me a favor before I keep this madness going, make a list of all the things you want this to do, and then I’ll make it happen. Right? And I made the list and I handed it to him and he goes, he said, data, a spreadsheet.

Dr. Paul White (12:42): I mean, spreadsheets, can’t do this kind of stuff. I said, If I said, so what are we doing? He goes, you need an app. And I went, A what? Cause I had no idea what an App was Right? And so that’s how we started Real Numberz. And that’s been the, probably the most rewarding thing for me has been to have these ideas of how I want to manage my real estate and all the different investments that are real estate related investments have him sort of have these ideas in my head and I write them down on a piece of paper and he makes it happen. Now in the software world, they call Wire Frame is how you plan out every little step in the development of software out. And I, I call what I’m doing, you know, Wire Frame me. He said, dad, just writing crap on a piece of paper.

Dr. Paul White (13:20): You’re not Wireframing so, that’s been kind of fun, but it’s been amazing. Number 1, to recapture some of the money or my investment in his education. And number 2, to be able to work together with him and sort of work through these tools. And to be honest with you when it first happened, you know, and I looked at for spreadsheets, I go, well, there’s gotta be something else out there. And I looked everywhere for some software that was as comprehensive as what we’ve created and there’s nothing out there. So that’s been, you know, my why for 30 years was to make the quality of orthodontic treatment in the Richmond area better than it was when I got into it. And now my why’s to help real estate investors know their numbers so they can get to freedom faster.

Jay Conner (13:59): I love it! S, what different, before we actually get into what Real Numberz does.

Dr. Paul White (14:07): Sure!

Jay Conner (14:07): And the benefits of it. Because it definitely sounds multifaceted as to what it will do before we get into that. What type of different business models can this software serve and help real estate investors? For example, my business model is two fold. I either buy them in single family houses. So we’re talking to here all single family houses, I mean, in my case. So that will be a subset of my question. What different business model is that many single family houses only is it also commercial? We’ll get to that in a second. But in my single family house world, I’ve got two business models. I buy them. Business model, number one, I buy them, I fix them up. I flip them, I cash out, right? So we kill the golden goose, no wealth right there.

Jay Conner (15:01): That’s just big checks. My second business model or that I do with other deals is I’ll buy them. If they need fix up, I’ll fix up. If they don’t need fix up. And they’re a pretty house in either case. The second business model is I sell on rent to own. Now what makes my rent own or selling a lease purchase different is I actually believe it or not actually require my buyers to enter my credit repair program. And I actually help them get a mortgage. Therefore, 80% of mine cash out. Most of the real estate investors may be 5% cash out on least purchase. Those are my two business models. So leading up to my question what are the different models that Real Numberz will serve?

Dr. Paul White (15:54): Yeah, that’s a great question. Well, you know, what’s so funny about software and this is a true expression software’s never done. So you have this long runway of things that we’re trying to accomplish. And, basically real numberz is divided into four basic buckets. One is real property. The next one is private lending. The third is mortgage notes. And then the fourth is funds and syndications. And so within the real property space you can it takes care of any kind of property think of multifamily, single family you know, self storage, all those kinds of things. And, and what’s really neat about it is also there’s a dashboard for the entire portfolio. And so what we’re trying to build is a piece of software that not only manages all of your properties or all of your assets day to day as needed, but it also gives you a global input about how you’re doing as far as having some kind of target date for retirement or job transfer or, you know, whatever it is that you’re trying to do.

Dr. Paul White (16:49): And so what we’ve gotta do is have weighted average returns on all those things. And that’s a pretty complicated piece that we’re building. As far as real estate now, all there’s a general ledger for the entire portfolio for your entire asset base. And so, regardless of what kind of assets or different types of assets you’re doing, there’s a ledger that keeps track of all the money coming in and out of your portfolio. Then each individual asset has a ledger as well. And so it obviously takes care of transactions. And then those ledger items are then used to drive analytics, and then eventually it’ll drive tax reporting as well. And one of the features that we added to it, what’s sort of speaks to your fix and flip is I, years ago I was buying active turnkeys, like you’re talking about.

Dr. Paul White (17:35): And I had bought a piece of property and and from a guy in CG and so they were rehabbing it. And then I got an email that said we needed, you know, $8,000 more. And so I just wired the money site on scene. And, you know, one of the challenges with professionals, doctors, dentists, lawyers, whatever is at least for medical professionals, is we do whatever it takes to make things right for a patient, even if it costs us money. So we’re just, you know, we just want people to trust us. So we do whatever it takes. And we tend to have that same mentality with those that we work with. And what I’ve discovered in all other walks of life is not everybody’s that way. And even there’s some, I guess, in the medical profession, not the way, but I don’t know any of them.

Dr. Paul White (18:15): And so we’ve just always done whatever it takes to make it right. So there’s a high level of trust. So if somebody said I needed $8,000 more, I just would wire the money. Right? I don’t do that anymore, but that’s what I did when I first started. And it turns out after the the property had been rehabbed and closed, and then we had a tenant in place. We had actually then just finished creating real numberz. So I went back and just to play with the software, entered in all of the the data from the acquisition. And it turns out that that $8,000 was $8,000 over the budget. And I didn’t know it, and I had no clue. And and so I called the property management. So what’s the deal with this $8,000 is, Oh, we put new windows in the house and I go, well, great!

Dr. Paul White (18:53): I’m not saying I wouldn’t have done it, but that certainly would have been a decision I would have liked to been involved in. And so that really sparked me to create one of the features of a real property is a thing called a rehab tracker. And so you create a budget and you create as many different rehab projects as you want to name them. And then you put the amount of the budget, and then you start making deposits towards that budget, which come off your balance sheet, but then any of the charges against those do not, again, hit your, ledger again. So it keeps track of those things, and it keeps a running balance of how much money was spent in those kinds of things. So it can certainly be used for that. If you’ve got a business where they’re flipping a bunch of houses all the time, you know, there are other softwares out there where you need a professional to help you develop it for you, but for the average investor, it’s a great, it’s a great solution.

Dr. Paul White (19:37): That’s a fairly inexpensive to be able to manage those things, and then to have the property and track the income, if you’re renting it as far as the the selling part of it, it’s one of the things that’s actually in development is a sell feature that then you create a subject to, and then seller finance the houses as well. So in our mortgage note section, we already have that capability. So you can then turn and open that app up in the mortgage part, and then keep the mortgage that way, if you want it to. But eventually I want to meld the two, but we’re trying to get a basic program that works for enough people. Cause that what you’re talking about is fairly sophisticated. So,

Jay Conner (20:12): So you mentioned there’s actually four different categories for Real Numberz, one was flipping, Right?

Dr. Paul White (20:22): Well, real property in general. Yes.

Jay Conner (20:24): So just real property though whether you’re flipping or holding,right?

Dr. Paul White (20:27): right, right.

Jay Conner (20:28): And then you said private money or private lending. Tell us how.

Dr. Paul White (20:31): Yeah.

Jay Conner (20:32): Tell us how the software helps that category.

Dr. Paul White (20:37): That’s ,Thank you for the question. Yeah, one of the things that’s funny is, you know everything that we do in Real Numberz, I wanted everything lifestyle wise to be able to my portfolio from my pocket. So everything you need is stored on the app. Your pictures, your photos, your contacts, your documents,security duct, documents, all those things are right there in the app. And so one of the things that’s interesting if you’ve done, I know you have, but I don’t know about your listeners that have done private lending, but you know, at some point in time that the borrower wants to pay you back. And so they want you to verify the payoff. And again, because of my ignorance and inexperienced, I just assumed when they gave me a pay-off amount, I went, yep, that’s right. And it turns out I went back and checked them off by several thousand dollars or one of them.

Dr. Paul White (21:18): And so, and I typically lend out of my self directed IRA for those, those types of investments. And so one of the things that I kept noticing was the sense of urgency when they want to close all of a sudden, they out of the blue, they need to close some cause some deals coming up or they need money. And so anyway I got an email one time that said,we want to close this deal today, if possible, can you verify this pay-off? And I got, well, you know, my stuff, the documents are on a pool table back in my house. I don’t even have them here at work. And I’ve got my hands in somebody’s mouth all day. And so, I said, I can get it to you as fast as I can.

Dr. Paul White (21:52): And so, you know, worked all day. And then I went home and then I found the folder. At first I had things in piles on the pool table, my wife at least put them in folders put address on. So I found the folder and I find the the promissory note and I started doing the math. And at first I didn’t even understand that. So I’m doing it monthly, which is not the right way to do it either. And so of course now know that. And so I did the math for how much I was owed. Then I had to log into my self directed IRA account, find that asset, then look at all the amount of money that had been paid to me and then subtracted them, and then add it back to my original principle. And five hours later, I got the instant pay-off for him.

Dr. Paul White (22:27): And I was like, well, there’s gotta be a better way to do this. And so, because each asset, regardless of whether it’s your lending or flipping a house or whatever, has its own ledger, you’re tracking all the payments that you’ve received, which actually saved me a lot of money in the long run. But anyway, and so it knows the deal of the, of the original note, even if you’re wrapping somebody, which you can do, you can have a, we shouldn’t use the term JV, but a partner in the terms it’ll keep track of what the partner what his portion of the deal is. If you’re wrapping somebody. And when you hit, pay-off, there’s a button called pay-off and you hit that button, select a date, and it’ll give you the pay-off amount instantaneously. And it’s accurate. I closed five lending deals in January and every one of them was wrong to my favor, you know? And so it’s nice to have a piece of software. I just pull it out of my pocket and do find the, you know, open the app, find the asset and then push a button. And it tells me what I need. So it takes no time. And, It’s really kind of fun to be able to do that and people know, I know what I’m talking about now, so.

Jay Conner (23:25): That’s awesome! So that’s,

Dr. Paul White (23:27): yeah,

Jay Conner (23:28): That’s an App or that category confirms to the private lender as to how much they should be paid off.

Dr. Paul White (23:37): That’s right. So, yeah. And so it’s great for me. So I’m doing mostly most of the lending, so it’s telling me to pay off what it should be so that they, and they want me to verify it. So that’s the way that it works best. What’s really interesting is again, before I hadn’t created the software with my son I went back and again, sort of historically looked at a deal I’d done. And it turns out that they had missed a payment to my IRA. And I just thought, I didn’t really understand what a custodian did. I just thought they keep track of all the payments and call them when there’s a missed payment. And then they will give you some analytics to tell you how much money they’re making. And it turns out that that’s not right either. I looked up the word custodian means, it hold your stuff.

Dr. Paul White (24:19): You know, so I had closed the deal. I went back and just entered all the numbers. And this particular borrower had not paid a $1,500 payment during the whole transaction of the whole note. But then they closed the note as if they had paid that. So I missed a $1,500 payment, you know, and didn’t even know it and had already closed the note. So I couldn’t get that money back. So the app, just for that reason alone has saved me thousands and thousands of dollars. And it’s been great. And we hear that same thing from other investors that use the software.

Jay Conner (24:50): And I suppose that, of course, for the app to give you an accurate pay-off, then when you receive money you or someone is putting in the App, Oh, I received.

Dr. Paul White (25:03): that’s right.

Jay Conner (25:03): $1,500 payment on such and such a date. So it’s keeping up with what you have received so far.

Dr. Paul White (25:09): Yeah. And even if you get part of your capital returned, it’ll track that as well. So it’s really doing the math based on what you’re owed and what you’ve already received. And so that’s really, you know, and again, if you have a lot of these going, it’s hard to keep up with that kind of stuff. You know, spreadsheet can do it, but you know, what’s great about this software is it sends me a reminder of somebody misses a payment. Now, again, my need was somebody didn’t pay me and I didn’t know it cause an IRA is not calling them. I thought they were right. So, now I get a reminder if the payment has not been entered as received into the software. And so it’s a great way for me not to have to scan all the investments all the notes that I’ve got to see if there’s a problem. You know, it tells me if there’s a rent, a missed rent payment, it tells me I don’t have an interest payment from a loan, or if a note, a monthly payment hadn’t been made, all those things I know without having to go looking for it. So it really does make it easy to it reduces my stress and it alerts me when there’s a problem. So I can kind of keep doing what I’m doing and not have to worry about it all the time.

Jay Conner (26:06): Dr. Paul White’s website, that you can check out Real Numberz is www.RealNumberz.com , Paul there’s two other categories you mentioned that this software keeps that where, so it keeps up with any kind of real property investment keeps up with private money when you are the lender and what was the third category?

Dr. Paul White (26:32): Well, the other is a mortgage note, and I make a distinction between private lending and mortgage notes, because it’s a longer term investment and what’s unique about, and you can do these things with a lot the private lending, but a lot of private lending is usually straight answers with some points. And so what’s interesting with mortgage notes is you know, it’s an amortizing investment. And so it keeps track of all those things. And basically you can just buy a note and hold it and that, and just have this income for as long as you want. But there are other things you can do with a mortgage note that really can supercharge it. And one of the things you can do is sell it. And you can sell either a portion of it, or you can sell all of it.

Dr. Paul White (27:08): If you sell a portion of it’s called a partial.And so you can actually, in some deals, like if you bought a note, that’s, you know, say $50,000 and you bought that note for $30,000 let’s say a 10% rate, you can turn around and sell it to another friend or investor let’s say a 6% rate and get your 30,000 back out of it. And they will tell you in the app itself, it’ll calculate the number of payments that you have to sell in order to get your money back. And then at the end, the note comes back to you and you’ve got zero money in and invest it. And yet you have this stream of payments that are coming to you. And so, you know, a zero invested money returned is a pretty good infinite return that we all like to hear about.

Dr. Paul White (27:45): So that’s one of the things you can do. And the other thing you can do is borrow money against that note. So it’s just like having a house where you can borrow money against it. You know, it has that same kind of value to a bank or to a private lender. So there’s the things, and it keeps track of all these things. And again, if you sell five months, five years of a mortgage note, it creates a reminder at 4 years and 11 months to tell you that this payment’s coming back to you. So again, it gives you a heads up when a note is coming due when investment’s coming due. When rent is coming. And when the end of a lease on a rental that you have, it’ll send you a reminder, say this rental is coming due in 30 days. And so it helps me to send a note, send that very thing I just forward it cause it comes to my desktop or to my phone to be able to forward that note to the property managers say, okay, what are the plans for this property? We got anybody rolling here. Is he going to reinvest, you know, or renew? And so that way, again, I look like I’m on top of my game and I’m not having to do all that. I love that kind of aspect to it.

Jay Conner (28:41): That’s what I call automation. And then there’s a fourth category that this app provides service for, right?

Dr. Paul White (28:47): Yeah. Some people do funds or syndications and we’re just starting to build that part of it out. It’s mainly to track, you know, the issue with funds or syndication, is really no money in it and not much is returned to you until the deal closes. So, you know, a typical fund or syndication, will go five to seven years. Some of them pay off early. And so that one, we haven’t put as much time into it. Cause not as many people do those. It’s a great way for people that maybe don’t have a whole lot of experience to, if you can trust them. That’s, that’s the deal because a lot of those things can, you can lose your principal real quickly. So you have to be able to trust the people that you’re doing business with, but you don’t have to know a whole lot about real estate. But again, everything has due diligence. A better way is to have somebody like you start them off with a single family home because you can see that thing. You have all the control where you have no control over a syndication. So it’s one of those things that we’re sort of programming out for some of the other investors that have requested that. But most of what we do is those first three buckets.

Jay Conner (29:45): So the bottom line Paul, as I understand it is whether you are investing in single family houses, commercial, any kind of real property, the software is going to keep up with where you are and make sure you’re not, you know, wasting money or losing money, same thing as a private lender, make sure you got coming to you. What was in the promissory note and then mortgage notes, which are longer term you can do fractionals and then again, syndications. So, wow!This is simply amazing, Paul! And I’m so glad I’ve had you on here. So what do people need to do to go check out this software?

Dr. Paul White (30:25): Well you know, if you go to our website, RealNumberz.com and there’s a 14 day free trial. If you want to check it out, we’ve now adjusted it. So we’ve got a special running now where there’s a discount of 30% off the monthly fee and we do it by property. So if you have five properties or less, it’s less than it’s $47 a month as a subscription. And you have all the software, one of the cool piece of software that I didn’t talk about, there’s a piece of software attached to this, again, that you can’t do with a spreadsheet that actually connects to your bank account securely. So we don’t store any of the data. So it’s secure and encrypted, but it’ll pull the numbers and the transactions that go to that account. So on the general ledger, you’ll get uncategorized transactions and you would simply assign those transactions to one of your assets and it automatically populates the the ledger for that particular asset.

Dr. Paul White (31:14): And then it keeps track of all the other things that are going on. So it’s really helps you understand what’s going, coming and going and your business account. So it’s a great way to keep up with things and you should have a separate business account. Don’t keep this in your personal account. I’m sure you already have taught them that, but I’ve seen guys do that too. And it’s like, yeah, they have no idea where their money is or what’s going on with it. And you have to keep some reserves. Cause you know, real estate takes a little bit of management sometimes. So anyway, and then there’s an unlimited version of that, which is which also includes the mortgage notes part plus all the other things. And it’s unlimited data, all those other things and it’s $97 a month with a discount.

Dr. Paul White (31:49): And so one of the things that’s interesting to me is we had a client that was, I think he was spending a thousand dollars a month for a Bookkeeper’s account just to keep track of some rentals. And I’m like, dude, we can save you some money here. And he jumped on this in a heartbeat. He goes, this is way more than what I was getting before. I said, well, that’s, you know, we’re trying to make it something that you just, after you start using it, you won’t want to go without it. And that’s been my experience. It has saved me literally thousands, thousands of dollars.

Jay Conner (32:14): That’s wonderful!

Dr. Paul White (32:15): Yeah.

Jay Conner (32:16): Well Paul, thank you so much for joining me here on the show. And folks there you have it. Be sure and check out www.RealNumberz.com And go check out how to stay on top of your business and save a lot of money. Paul, thank you so much. I look forward to staying connected with you and folks, I’m Jay Conner, Private Money Authority wishing you all the best. Here’s to taking your Real Estate Investing business to the next level. We’ll see you on the next show!

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

[need-a-new-hobby]

The Crossing

Piper was baffled. She kept glancing between files. On one hand, she could join the rest of the team with the stalker case in Maryland. On the other, a woman named Audrey was charged with murder of her husband whom she claimed abused her. Suddenly, there was no choice. She looked up at Hotch and smiled sadly. “I’ll get my stuff.”

As Spencer got ready to go into the conference room, he noticed Piper packing her go-bag. “You’re not coming with us?”

“There’s a possible abuse case in Boston. I’m gonna go with mom and dad.” Spencer nodded meekly, his mouth drawn in a line. 

“Be safe.”

“So just to be clear,” Piper paced, tossing a mandarin between her hands, “Audrey Henson killed her husband of 20 years while he was sleeping. She confessed while sitting next to the body at the crime scene and repeated her confession at the lockup.”

“She’s not denying it.”

“Okay, and her lawyer is building a case around battered wife syndrome?”

“Yep.” Piper nodded.

“There's never been a domestic violence report filed from that home and not a single medical record documenting injury. Not one witness who can say they ever saw or even suspected abuse. Am I with you so far?”

“Toe for toe. Theories?”

“Well, there’s no reason to believe physical abuse right? That doesn’t mean there was no abuse at all.” She sighed as Hotch just blinked at her. “Abuse can be more than physical. And often it’s the ones you never expect.” Clearing her throat, she continued. “Other than physical, abuse can be verbal, psychological, emotional, financial, sexual, harassment and stalking, spiritual or religious, reproductive, image-based abuse. Directly from the Handbook for Domestic Violence.”

“So what are you trying to say?” Piper took the seat opposite Hotch and Rossi and clasped her fingers.

“If she’s going through battered wife syndrome, it’s more likely some form of psychological and emotional abuse, but...”

“Spit it out.” Rossi ordered, exasperated.

“They’re the hardest to prove and easy to tear apart in a court of law.” Hotch began pacing and Piper stared at her mandarin. “She won’t have any financial records, no access to insurance, bank accounts or inheritance. She probably doesn’t have many friends and her kids...” She struggled to keep her voice steady. “Depending on their emotional maturity, they either don’t care at all, or they’re doing everything they can to get her out.” Hotch kept pacing and Rossi noticed how the young doctor maintained eye contact with her mandarin.

“We’ll get Garcia track any record she may have. Once we get the story straight, we’ll go in. Piper, stay out here and note her behaviour while we’re talking to her,” Hotch planned. Piper kept staring at the mandarin. Her phone buzzed and she excused herself.

“Hey, how’s your case going?”

“Typical single stalker case but I dunno. Some elements are weird. He never shows his face so he’s probably hiding his identity or self-image issues. How bout you? Everything okay?”

“No. Jeez, Spence, I’m trying to be professional but...”

“No, I get it. Your mom.”

“I’m just afraid they’re gonna find out. Pretty sure Rossi’s already got a clue.”

“Look, you have to protect this woman. You know emotional abuse cases the best out of all of us. What’s your gut say?”

“You sound like Derek.”

“Take that back. You take that back right now.” Piper smiled.

“Thanks.”

“For what?”

“Being you. Knowing exactly when to call. Exactly what to say.”

“I guess cheering you up comes naturally to me.”

“Dr Reid, did you just make another joke? You’ve been spending too much time with us.”

“No-one else I’d rather spend time with. You gonna be okay?”

“Me? I’m the king of okay. Well, queen really.”

“That's a rubbish title.” Piper laughed. “Be safe.”

“You too.” She flipped her cell shut, slipping it in her pocket, smiling. She turned right, shook her head, then turned left into their workspace.

“Good, you’re back. Garcia has news,” Rossi updated her, noting her newly cheerful mood.

“There's no driver's license, no passport, no bank account. It's not even jointly held. Her name's not on their plastic, their checks, their mortgage, their car titles. Nothing, nothing, nothing. Aside from a birth certificate and a marriage license, there's no actual record that Audrey Henson even exists.”

“How many years in the current home?” 

“It looks like they've lived in that house their whole married life”.

And we're certain there are no medical records that point to a history of abuse?” 

“Actually, sir, there's no medical record at all beyond the birth of their second child Nathan.” 

“What about life insurance? Any assets? Any financial motive for Audrey to kill her husband.” 

“No. I mean, there's insurance, but Mrs. Henson isn't the beneficiary of any of the policies.” 

“She's not?”

“Sarah, their 19-year-old daughter, is.” Piper scoffed.

“No wonder the kids don’t care. She murdered their golden goose.”

“That is a very dark but accurate metaphor. Every asset is in the name of everyone except Audrey.”

“Thanks Garcia.” Hotch cut the line. “We’ll talk to Sarah first.” Piper nodded, grabbing her blazer.

^-^

4 people sat in a large room. Nathan Henson sat, arms crossed on the plush leather sofa. Rossi leaned against a cabinet while Sarah paced opposite him. Hotch sat with perfect posture in the leather seat as Piper stood behind him near the door. “Is that what my mother said, that he hit her?” Sarah scoffed.

“We haven't spoken to your mother yet, but we understand it's being suggested by her attorney,” Hotch explained. 

“Unbelievable. She's actually blaming him?” 

“So you don't believe she was abused?” Piper asked as calmly as she could.

“If anyone was abused, it was my father-- what he had to put up with being married to her. She was a lousy cook. She couldn't do the laundry right. The house was always filthy. Hell, she couldn't even grocery shop without some kind of supervision.” Something fired up within Piper. But she held her tongue.

“Supervision?” Hotch took over.

“She'd get all the wrong things. Wrong brands, too much or too little of something. And my father was always patient with her. Always. She's just... she isn't... She's not bright,” Nathan explained. 

“You mean she's mentally challenged?” 

“No, I mean she's stupid.” 

“This is your mother we're talking about here,” Rossi said, furrowing his eyebrows. 

“No, we're talking about a woman who killed the only real parent we've ever had. Our father was kind and gentle and loving. He always had time for us. Always. He was at every game, every school event, everything important.” 

“And what about your mother?” 

“She never went to anything. Not once in my whole life. I guess she just couldn't be bothered.”

“So if your father didn't abuse your mother,” Piper asked, “why did she kill him?” 

“Probably just to take him away from us. She was jealous that he loved us more than her.” 

“Why would she think that?” 

“Because he said so all the time.” Piper excused herself politely and dialled the first number that popped in her head.

“Hey Pipes. How’s your case going?”

“Every sign’s pointing to what I was afraid of.”

“You talk to the kids?”

“Yeah. They’re acting exactly like... Exactly like Lucy did. They hate her, Spence.”

“Have you talked to the mother yet?”

“No, not yet. We wanna go in knowing as much as possible. I just...I need to clear my head.”

“Well, go over the facts. Just keep talking.”

“This woman has nothing to her name. If her birth and marriage certificate were lost, she wouldn’t exist. The kids say she’s stupid..” Piper’s voice broke. “They say she couldn’t do anything without supervision. Spence, I don’t think I can do this.”

“I know, Pipes, but you’re the only one who can. Keep going.”

“The father always told her he loved the kids more than her, he was always patient with her, she couldn’t cook or do the laundry...” She trailed off.

“Piper, talk to me.”

“She was invisible. God, Spence, you’re the best. Thank you.”

“Still haven’t done anything, but I’ll take it.”

“Be safe.”

“You too.” Piper turned off her cell and turned to see the two kids walk out. She smiled politely, then walked in. 

“He made her invisible. Think about it. There’s nothing she inherits, no financial motive, her kids think she’s a failure because she can’t cook or do the laundry, always needed supervision, no-one wanted her around. They made her invisible.”

“We still have to actually talk to her,” Hotch reminded her softly and she just nodded. “Let’s visit the house first, though.”

^-^

Inside the bedroom, Hotch examined the family portrait. “Seems like a perfect family.” He handed the photo frame to Piper. “What do you see?”

“Audrey’s standing further away. Father has both hands on the kids’ shoulders, suggests they’re closer to him than her. She’s the only one who isn’t smiling. Wearing all white and a pearl necklace. Suggests purity, innocence, wholeness and completion but can also seem stark, cold, and isolated... I dunno, maybe I’m reading too much into it.” She said as she gazed forlornly at the picture. 

“Two mattresses. Not very intimate.” Rossi noted. 

“And for a lousy mother, room’s kept pristine,” Piper scoffed. Rossi agreed, pointing to the perfectly kept hangers and shoe stand. They walked back outside into the centre of the room. 

“Something’s missing...” Hotch noted. Rossi looked up from the bloody mattress back to Hotch and Piper.

“The rest of the blood.”

“Someone cleaned up.” Piper said scornfully and she walked out. 

^-^

Back in their large workspace, Piper walked in, gleefully holding up their lunch. “Rossi, your pesto pasta with chicken and tomato. Hotch, your kung pao chicken. What’d I miss?”

“JJ just updated me about their stalker case, they’ve given them a profile, should be wrapped up soon.” Hotch held the photo of the Henson family gently. “You know, sometimes you can’t see it but... they look pretty happy.”

“All families have issues Hotch,” Piper remarked as she sat down. “Everyone wants to pretend they don’t, but sometimes it’s instability, addiction, rebellion. There’s always something.”

“Well, that’s comforting. Besides, happiness is easy to fake when you only have a split second. You should see how many happy-looking photos I have of me with my exes.”

“Yeah, how many times were you married? 6?” Piper joked.

“It’s like the number doubles every time. I only got married 3 times.”

“Were you ever happy in any of your marriages?” Hotch asked. Piper left to answer her phone.

“I don't know. Maybe. Maybe not. If I was, I can't remember. I'm not sure if me and the idea of being married is a good mix.”

“You kept trying.” 

“Well, I didn't have any kids.” 

“What do you mean?” 

“Well, I mean I might have tried harder if there were children involved.” 

“I tried.” 

“Hotch--” 

“I gave absolutely everything to... Haley and Jack and my job.” 

“So something had to give.”

“Yeah. You're right. But it doesn't mean that I am any less committed... Or try any less hard for my son.” 

“Hey, hotch, what the hell do I know? The only people I've ever made happy were divorce lawyers.” 

“Well, we've got 4 failed marriages between us. We're experts at something. Where does it all go wrong? 

“Everybody has their breaking point. Your wife reached hers.”

^-^

“Drew. Hi,” Piper spoke softly into the phone.

“Hey, you free?” 

“Well, both my bosses are talking about their failed marriages so... Yeah, I’m free for a few minutes. How are you?”

“Good. Missing you. You coming to visit anytime soon?” 

“I dunno. I’m in Boston right now. Working a battered wife case.”

“Jeez, I hate those cases. Domestic disputes are the worst, right?” She heard him laugh derisively on the other end.

“Well, they’re messy, that’s for sure.”

“I remember my last domestic dispute case. This guy claimed his wife was being abusive. Here’s the kicker; not a single scratch, cut or bruise. He claimed it was emotional abuse, like cut the crap. You know what I mean?”

“What happened to him?”

“Nothing. There wasn’t any evidence of abuse and I figured the guy just wanted a divorce, so I left it.”

“Oh.”

“Hey, have you given any thought what we talked about yesterday?” 

“What, moving to Florida? I--I don’t know, Drew, I have a life here, friends, a job--”

“That you didn’t even apply for. I mean, weren’t you just some history teacher? You caught a break, Pipes. Don’t fool yourself. C’mon, you really wanna keep flying around from DC to Boston to Michigan to wherever else a case pops up? Or do you wanna be with me?” 

“I-- Give me some time, I’ll--I’ll figure it out. Wait, Drew, wh--what if you come to DC?”

“And what? Play house while you travel state-to-state? That’s so stupid. C’mon Pipes, you’re smarter than that.”

“Listen, I gotta go. I’ll call later.”

“Sure thing, sweetheart. Bye.” She heard the dial tone and slipped the cell back in her pocket, tapping her heel to the ground, trying to swallow the lump in her throat. Once she was ready, she turned on her heel and went back in.

^-^

9am. Piper read through the files one last time while munching on a warm chocolate chip muffin wearing her favourite cardigan. Hotch glanced at her ever so often, mostly because that cardigan wasn’t a good sign. He remembered the last time she’d worn it during a case was Reid’s abduction, when she’d needed comfort. She smiled at Rossi who’d gone out to get them fresh cups of coffee. When their makeshift breakfast was finished, Hotch wiped his mouth with a napkin and announced for them to start interviewing Audrey Henson.

“You understand why you’re here, Mrs Henson?” Hotch asked gently as Rossi pulled up a seat next to her and Piper remained standing like a watchdog next to the door, listening intently.

“I killed my husband.” 

“And you're aware that you don't have to talk to us?” 

“What else is there to say? I shot him.” 

“Why?” 

“It's what I had to do.” 

“Had to?” 

“It sounds... terrible.” 

“Did Philip ever hit you?” 

“Hit me?” 

“Was he abusive?” 

“No. Never. Not even when I probably des--no, he was very patient with me.” 

“Why did he need to be patient?” 

“Well, are you kidding? Look at me. After Nathan was born, I completely let myself go. I'm fat, I'm a terrible housekeeper, I'm a terrible cook. No, believe me, I needed a husband with a lot of patience. 

“Audrey, Nathan tells us that you never attended any of his sports or school functions, that you were never there, not even once.” 

“He's probably right.” 

“Why didn't you?” 

“Well, I was doing such a terrible job at home, I didn't want to embarrass my kids out in public, too.” Rossi met Piper’s eyes which were starting to blink more than normal, her nose twinging pink. She just nodded at him. Pulling the sleeves of her grey cardigan, she left the room and glared at the ceiling. The district attorney walked up to her.

“So, what’s the verdict doc?” Piper steeled herself.

“Audrey Henson was never physically hit by her husband.”

“I knew it.”

“And yet,” Piper steamrolled ahead. “She has been profoundly abused by him.”

“But you just said--”

“That’s the problem you have. She has been psychologically tormented just like prisoner’s-of-war, Patty Hearst, Elizabeth Smart, they all say the same thing. They had no place else to go. He had complete control over her. He cut off all her contact with the outside world.”

“You’re kidding.”

“We’re not,” Hotch interrupted from behind Piper. “Come on in. There’s one last thing we still have to ask. Might pique your interest.”

Inside the room, Hotch asked her one last thing. “We'd like for you to take us through the killing step by step, as well as you can remember.” 

“I had just-- I was finishing up the laundry, and, uh, I was hanging up my husband's shirts in the closet. I looked over and I saw him on the bed, and I knew it had to be then, that that was my only chance. And so, I decided I had to kill him. I picked up the gun... And I shot him. I shot my husband.” 

“And then you... Sat there and waited for someone to come home?” 

“Oh, no, no, no, no. I had to clean up.” 

“Why?” 

“Well, there was blood everywhere.” 

“And did you clean up to hide what you had done?” 

“No. No, I was going to tell Sarah what I had done when she got home. I wasn't hiding anything.” 

“But then why clean all the blood up?” 

“Because the police were going to be coming. Philip would have been furious if I allowed all those strangers into the house with a mess like that.” Piper sat down besides her and held her hands as Hotch, Rossi and the D.A. left the room.

“Can I say something?” Piper asked her as she looked back with doleful eyes. “You remind me of someone.”

“Really?” Piper nodded, humming.

“She was wonderful and kind and I took her for granted. I’d like you to know, I think of you as the same.” As the officer came to take her away, Audrey asked her who it was.

“Her name was Aubrey. Aubrey Bishop.”

#criminal minds #criminal minds x oc #bau #bau x oc #hotch #aaron hotch hotchner #aaron hotchner #agent hotchner #agent rossi #rossi #papa rossi #spencer reid #spencer reid x oc #doctor spencer reid #dr spencer reid #dr piper bishop

[chaniters]

Blood in the water

Part 8 of @kruk-art‘s Awan Cormac’s series. 

Awan mixes out some detective and thieving along with Steel and Anathema. 

Tried to write up something a bit funnier this time too!

___________________________________________

“It’s like she’s everywhere now,” Anathema says watching Elyise’s billboard trough the car’s window. This isn’t the first sign you’ve seen, they’re all over the highways and TV. This one is massive, displaying her in a power pose in full costume. The fine print states her new slogan, which she accidentally said in an interview. If you recall she was crying about her mother’s death as the reporter kept pushing the questions “It’s not the powers or the cape that define a hero, but the sacrifices they decide to make”

“Reaper’s investing lots of money on her career,” you say leaning back. With Steel on the wheel and Anathema on the companion’s seat, you’ve got the whole backseat to yourself. “He’s even become her manager. I talked to him, and he says he thinks she can carry off his legacy now that he's’ retired.”

“Well, she’s amazing right?… Fighting her own supervillain mother… I thought that shit only happened in the movies they make”

“Not anymore,” Steel says taking a turn off the highway.  “And there’s already a movie in the works”

“Already?” you ask

“Yes. She’s a real inspiration. Doing things by the book all the time, even if it means fighting her own. Registered as a hero in under a week. Unlike some other people.” you can feel his gaze squinting at you through the mirror.  

“Well maybe you should ask her to join the Rangers” You say looking back.

“That’s a very real possibility” he answers dryly.

Eventually, Anathema breaks the uncomfortable silence that follows. 

“So what do we know about this scene?”

“Nine dead. And they’re saying it’s not pretty so I hope you didn’t have too much for breakfast” Steel answers “Because we’re almost there” 

-----------Half an hour later------------------

“This is fucked up,” you say circling around the bloodstains. Forensics already took samples and pictures so you have free reign over the scene. This isn’t the worst you’ve seen considering your past, but the killings in this warehouse are not something you’ve seen before.

“It’s really bad,” Anathema says looking at the corpse on the floor and the stains on the wall. “But I bet Steel’s seen worse right?” he adds nervously.

“No kid, he’s right” Steel answers looking at a severed hand, nearly split in two between the fingers. “This really fucked up. You have to be a really sick bastard to go all the way about actually dismembering people” 

Anathema goes silent, his first time in a murder scene bloody enough to put Steel off his game. He’s clearly feeling the pressure but trying to keep appearances while you and Steel are unphased. 

“Annie, why don’t you go talk to the forensics team, see if they can get us a first hand on the DNA results when they’re done?” you ask “We could end up catching the culprit from the database alone.”

“Aahh.. sure! I’ll go do that!” he says walking off trying not to look too relieved. 

Steel approaches, speaking in a lower tone as Anathema goes outside.

“You beat me to it”

“It’s good enough that he didn’t throw up in here.”

“I’ll be honest, I’ve never seen anything like this, even during the war. It’s sickening. And it makes me wonder what’s the worst thing you’ve seen Sidestep because you’re going through this mess like it was a walk in the park”

You frown lightly. Always looking for clues, this one. Can’t let your guard down for a minute. 

“It’s usually the living you should be scared off” 

“True enough. You’re the detective, or so you claim. What do you make of this?” 

Your gaze runs trough the crime scene slowly as you describe what your instincts are telling you.

“Seven males, two females, all dead and the cause seem to be severe, brutal slashing cuts. I haven’t seen a single stab wound, this isn’t knives we’re dealing with. Some sort of sword perhaps? The assailant also must be of incredible strength, enough to dismember with clean cuts, going straight through the bone. Went through them like paper” 

Steel nods slowly, seeing what you see as you continue your assessment

“The victims had an impressive array of firearms, and two of them are modded with extra strength” you add glancing at a thorn mechanical arm “And what’s more, they fought back as hard as they could. The attacker came trough this window, and their response must have been almost immediate” you point to the numerous bullet holes and cracks on the wall by the window. 

“The attacker did not use a gun, or at least none of the victims was shot, so unless it was bullet-proof we’re most likely going to get a clear sample of their DNA around one of the bloodstains on this wall. I mean, every shot here must have been aimed at them.” 

“They used heavy ammo too,” Steel says running a finger through a large crack. 

“I’ll defer to you on that, you’re the specialist. How much firepower would you say the victims were packing?”  

“Let’s just say they would have put my armor to the test”

“Now that’s unnerving. Alright, so the attacker broke in, messed them up while they kept shooting at it, broke through here, and entered this hidden room which they somehow knew was here, then stole everything inside these medical-supply boxes and finally jumped down the street this way” you say looking through the broken window.  

“Impressive” Steel nods “And It could be just right I'd say.” 

“There’s more. They had tons of guns, were hiding in a nowhere apartment on the bad side of town in a semi-abandoned building,  and they had a secure room hidden behind a false wall with broken needles and medical supplies behind them. I’m going to make a wild guess: They were dealers. Hero-drug dealers that is. That’s why the boxes are empty. The attacker took the drugs”

“You can’t be sure they were dealing hero-drugs” Steel complains

“Not from the scene. But look through the window” you say looking down. He joins you trying to see what you see. 

“You know who that is, right?” you say pointing at the stout figure with the top hat.  It waves back with a jovial smile revealing sharp shark-like teeth as it walks to the building’s entrance... 

“You’re right. Hero drugs it is. No way in hell Hollow Ground’s number one stooge would show up here otherwise.”

“We’ll need to talk to him. Lewie doesn’t show up to these things for nothing. This definitely must be one of HG’s places.”

Steel sighs. “Do we have to?” 

“He’s the only one who might know who did this”

“Agreed. But he won’t say a word to us. He must be just showing up to assess the damage. I bet he owns the building, that’s always his excuse”

“I can take Annie and then see what we can find meeting him at his office? He doesn’t really know us well. An I know you can’t stand talking to the guy”

Steel squints at you. “Are you trying to make me owe you one?”

“Not really, but it wouldn’t be terrible if you helped out next time I need something”

He studies you with a calculating gaze for a moment.

“Fine. You and Anathema go for it, he makes me want to squish his head every single time he gets within arms distance after the things he pulled on us”

“So you’ll owe me one?”

“I’ll think about it” he offers, but you know it’s a yes. 

“Great! Enjoy your crime-scene big guy” 

________Later, that afternoon____________

“Smells like fish in here. Can I open a window?” you ask without waiting for a response as you simply open it yourself.  

The big, shark-faced person sitting in front of you squeezes his plastic cup with a huge scaled hand while holding the forms you presented in the other one. Fish references are no to his liking it seems.  Anathema’s just reading a magazine on traveling he found in the reception room. 

“So let me get this straight Sidestep… You want a loan from me, for the purpose of -and I quote-  “Fucking fighting crime hell yeah”, but you won’t give me your real name, or your social security number. In the “Gender” item you just wrote “Enemy of the Patriarchy” and your occupation just states “Kicking evil’s ass”. No assets to your name, no previous employments, references, no bank accounts, insurance or anything. Also no driver’s license. … hm... And let’s not forget your address “1234 Chicken Dinner Road”. Excuse me but I’m not sure that’s an actual road here in Los Diablos…”

“Ok fine, maybe I don’t have all my paperwork with me, but I’m totally reliable!” you whine from your chair. 

 “I know you think I’m dying to get every hero to enjoy one of our exclusive loan products but this is really stretching it. Perhaps if you offered some fingerprints or took off your mask, we could…”

“Sorry! I think I got glue on my hands while putting on the costume today. Do you see? Can’t take it off” you say pretending to try.

He narrows his gaze at you, his annoyment palatable in your mind. 

“Do I kick them out boss?” Debra, the modded thug standing on the corner says looking at the two of you.

“I’m really really busy Sidestep. Perhaps it’s time you and your friend hit the road?” 

“What? You haven’t even read Anathema’s form yet!” 

“He’s just wasting your time!” Debra complains

“Not true! Anathema’s the one who wanted it, I just wanted to see how good my credit is… sorry. I just never asked for a loan before. Maybe I’ll do it better next time?”  you talk back.

“He’s asking for a loan too?” Lewie says turning to him, losing all pretense about being interested in you. Giving a loan to a ranger would be great publicity to him 

“What?” Anathema snaps out of his magazine as he’s mentioned.

“Of course he is. For his vacations. He’s taking several friends on a cruise for a few good weeks of wild fun, you know, the really good stuff.  And we know you've organized some of the best cruises for your own friends. Maybe you can help him out?”

“Well I have on occasion been known to organize legendary cruises, that’s true,” the Loanshark says with a smile that aims to be cordial but just looks plain murderous. He’s vulnerable to flattery, you sensed as much. 

“Dear Sidestep. What the heck are you doing to me?” Anathema whispers gently at your ear pulling back at your suit’s shoulder fabric. 

“What does it look like I'm doing my dear friend Annie? Getting you a free vacation” you whisper back with an equally charming tone, smiling at Debra and the Loanshark as if this were your normal interactions. You’re also sending them a mental command to distract them from the whispering because sharks have a very good hearing of lower sounds. 

“Yes, I know that. But have you considered I don’t want to ask for a loan from a literal loan shark?” he says pulling you even closer.

“Remember the time I got the wrong door and accidentally entered Steel’s room once and he had a two-hour fit? Well to get back at him I stole his ranger manual and sort of never gave it back. I’ve been studying your regulations, and you’re allowed extraordinary expenses during investigations. This is an investigation, and the loan is an extraordinary expense. You can have the Ranger’s pay for it” 

“That can’t be a real thing,” he says squinting at you. 

“Perhaps you forgot the time Ortega went to investigate those mobsters in the casino and lost all that money on the dice table to overhear their conversation…?”

“Uh… that’s not... right”

“Of course it’s not, but it’s legal,” you say handing the Loanshark the paperwork you filled in for Anathema

“Ohh what have we here” the Loanshark goes over the forms. “Now this is a completely different story” he adds going over the pages. “We can do things kid. Great things! How many grands do you need for this cruise…?” he says standing up “Have you gone over destinations yet?” 

“Ehr... no?” Anathema goes on.

“Give him the whole speech Lewie. I don’t think he’s ever had so much money at once before, least of all spent it”

“I will! Come here my new best friend!” he says patting his back “Follow me to the other office. We have to discuss this over drinks. Me and the rangers! I knew it would happen one day. We’re going to talk business!”

“I’ll be out of your hair Lewie... I’ll show myself out” you say sending another distracting command, specifically to Debra this time. 

“Wonderful, wonderful. Your friend leaves you in good hands Anathema. This way please”

“... help…?” Anathema whimpers as the Loanshark guide him away. 

You head out to the streets pretending to leave while actually maintaining the mental command to distract Debra so she doesn’t make sure you’ve walked far enough. She just acts as if you had already left for good. 

Perfect. 

As they turn a corner, you start climbing the rooftops making your way back. A single push of a button activates the scrambler you had prepared for The Void, freezing all the Cameras in a loop, while turning the alarms in the building offline. You knew that thing would come in handy. A single jump and you enter trough his office’s window. That’s why you opened it from the inside it in the first place. 

Time for the fun part. Snooping around his stuff…

You sensed stray thoughts about his ledger being in the room. It takes a few moments before you find the safe, hidden under the carpet. The hatch’s lock is relatively easy to pick, but the computerized code lock on the actual safe is not. 

It takes a painfully long amount of fiddling before you manage to plug in the cellphone you modified to the electronic lock. Normally a lock like this would be impossible to crack, but you’ve got access to the farm’s top-of-the-line black-ops decryption protocols programs… another thing Nathaniel thaught you. 

It had been a while since you felt this thrill… They could get back and find you anytime. A quick scan reveals Debra hasn’t returned to the security desk yet, preferring to check on Anathema.  He seems to be playing along with your plan, distracting the Loanshark just long enough for….

*Bleep* the lock goes, as the safe opens. 

“Yes!” you whisper to yourself as you check the contents. 

Several ledgers, and a few labeled data-rods. And a lot of money. You get to work immediately, taking quick pictures of each page with your phone. It takes a painfully long time, but you have to do it, the Loanshark’s old-school and he believes nothing’s safe inside a computer so everything he knows about Hollow Ground’s operations should be here. 

You sense they’re about to be done with their chat as you finish the last pages. 

You scramble to check out the data-rods. The labels are all names of relatively known people…politicians, and some heroes. You notice several dedicated to Ortega. One reads “Public drunkness, barging at the casino”. Another one goes “Unlawful arrest of citizen -me- claiming he’s blackmailing witnesses”. The next one goes “Crazed claims about me working for Hollow Ground and threats of violence”. And the last one simply reads “Marshall Charge, getting to second base with Lady Blades”.

Wow. Lady Blades? That villain was one of Ortega’s first enemies when he was just a sidekick. Clearly the Loanshark is digging dirt on Ortega and has found a fair share of it. It’s not a real surprise since Lewie is the closest thing Hollow Ground has to a spokesperson, and Ortega’s been trying to get him to talk for ages. 

You’re about to close the safe when one last rod catches your interest. Its label reads “Riley.  Ask first before using”. So he’s got dirt on her too? Weird since she’s only just now become a public hero persona. The Loanshark would never admit to having a boss. Hollow Ground doesn’t officially exist. Whom else could he ask about this? And it says Riley, not Elyise? 

The rod could contain anything, and this could ruin her chances of entering the rangers. You’re not going to let him blackmail her. You plug the data-rod and copy it as well before setting it back. You’re not sure why you’re doing this even... There’s something funny about this being in the Loanshark’s safe. 

Time to free all these people from his clutches. 0

You take a small device from your inner pocket and set it into the safe around the data-rods. A press of the button and it starts buzzing before emitting an electrical discharge that fries all the electronics inside.

The Loanshark might find out it was you at some later point, but you’re not going to let him keep dirt on half the city. Charge and Elyise can thank you later. 

Footsteps approaching… you get out through the window, jump off a few rooftops and land on the streets before deactivating your scrambler, the alarms inside his building going back online. You don’t sense anything from Debra so they don’t suspect. 

Turning around the block, you find Anathema waiting for you nervously.

“Did you get it?” he asks as you approach

“Oh, I got it. And some extras too”

“Great. Because he’s waiting for me to make a final decision about the loan”

“So are you going to take it?” you smile

“ Of course not! I’m not going to owe anything to that asshole!” 

“Well, I could give you a loan myself now!” 

“You? How? You never have any money!”

“Lies. I have a job now!” 

“And what’s that?”

“Stealing from assholes!” you say letting him take a peek of the Loanshark’s money in your pocket.”

______________________________________

My fanfics: https://chaniters.tumblr.com/post/181692759294/my-fanfiction-for-fallen-hero

DISCLAIMER: This is a work of fan fiction using characters and the setting of the Fallen Hero: Rebirth and upcoming Fallen Hero: Retribution games written by Malin Riden. I do not claim ownership of any characters from the Fallen Hero wold. These stories are a work of my imagination, and I do not ascribe them to the official story canon. These works are intended for entertainment outside the official storyline owned by the author. I am not profiting financially from the creation of these stories, and thank the author for her wonderful game/s, without which these works would not exist.

#fallen hero: rebirth #fanfic #Awan Cormac #marshall steel #Anathema #fallen hero spoilers

[billehrman]

Fed Provides Bridge to the Other Side

Jay Powell and the Fed are in front of the curve providing all the money that the U.S. economy will need to stay afloat. The Fed announced Thursday an additional $2.3 trillion lending program for states, companies of all sizes and individuals. Basically, the Fed is back-stopping everyone, even banks and junk bonds, providing the financial bridge to the other side.  Spreads continued to narrow last week which confirms that Fed policy is working. As Powell said, “we will act until the economy is on the road to recovery.” We believe him!

It now appears that the coronavirus in the U.S. will soon peak, deaths could be around 60,000 (well below even the low end of the initial estimate), and the economy will slowly reopen sometime in May region by region. But life will not get anywhere close to normal until there is an antibody test and vaccine which probably will not be on the market until mid 2021. While we expect a therapeutic within months, the freedom to move about will be limited to a degree until there is a vaccine.

Stock markets had a great week led by the laggards, but be careful. While the Fed is keeping all company’s solvent, permitting investors to move further out on the risk curve, it does NOT mean that these companies will recover sufficiently once the virus passes to justify their current valuations. In fact, we expect many won’t make it. Remember the money that companies receive now is a lifeline to just keep them afloat until a recovery occurs.  But what happens afterwards?  We would continue to avoid any company taking government money until we fully understand the terms, the impact on their P and L, cash flow and balance sheet. Clearly, we need to analyze what their business will look like on the other side first and foremost. Won’t you think twice before travelling on a plane, going to a crowded restaurant, shopping in the mall, staying in a hotel, going to a movie, sports event, Disneyland, show or concert, taking a cruise, going to school, going to an office, holding face to face meetings, going to a doctor’s office and so on?

The bottom line is that we will not be close to an ‘all clear’ until there is testing, therapeutics and vaccines for all, which won’t happen until sometime next year.  Yes, we may start slowly going out in May, but life will not be the same for a long time. That is why we expect the recovery to be drawn out into a U, not a V as the administration wants you to believe.

Our overriding theme remains that there will be a huge change in mindsets caused by the coronavirus. The new normal will be spending more time at home using the internet increasingly for social media, shopping, business, education, healthcare, legal and accounting services, videoconferencing; entertainment, gambling, sports, and many other functions which were heretofore done out of the home. The winners are obvious, making up the core of our portfolio. Data centers/semis, cloud usage, smart devices and 5G are long term beneficiaries, too.

Bob Swan, COO of Intel, and Michael Dell, COO of Dell, both confirmed last week that demand for smart devices, especially laptops and tablets, is exceptionally strong. Bill Gates and many others want the government to provide billions to buy smart devices for all families/children in our country that cannot afford them. Therefore, we expect that semi demand will continue to surprise on the upside due not only to strong demand from smart devices but also from the need to expand the capacity for data centers, the cloud and gaming.

We recently added to our portfolios some financially strong companies with great managements and strong business plans that will thrive on the other side, gain market share, increase profitability, cash flow and dividends.  Fortunately for us, these stocks got unfairly punished by program trading taking no prisoners which created great entry points for us.  

As of Friday morning, the number of worldwide coronavirus cases has exceeded 1,617, 204 with more than 97,039 deaths. The U.S alone accounted for 466,299 cases with more than 16,686 deaths. While the numbers are horrific, it appears that cases are cresting in Italy, Spain, France, Germany, Australia, New Zealand, New York, California and Seattle. Social distancing appears to be working everywhere limiting the growth of cases and number of deaths.  But we cannot let up too early which may allow for reacceleration in the number of cases.

We are convinced that opening our economy, even to the new normal, will be a very slow process, by region, for the reasons already stated. Therefore, the Fed and government are not nearly done yet. Both will do all that is necessary to provide a bridge to the other side which may not begin in earnest until mid-2021. While a multi trillion-dollar infrastructure program is right for so many reasons, we do not see both parties agreeing to one until after the November election. Even if one is passed this year, it won’t probably be implemented until 2021.  But, better late than never.

Stay the course investing in the winners including some special situations in the new normal while avoiding companies whose future and financial strength are clearly questionable today and on the other side.  The Fed and government will continue to do all in their powers to provide a bridge to the other side, but the recovery will be an elongated U rather than a V. It will take longer and take more assistance than currently funded.  Monetary authorities and governments abroad whose countries are inflicted with the virus are also providing all the financial assistance and liquidity needed to get to the other side. While China is recovering, we expect the Bank of China to increase monetary easing further while the government expands fiscal stimulus to offset weakness in exports due to a sharp drop in foreign demand. The world will be awash with liquidity pushing investors further out on the risk curve. But do not get complacent as all boats will not be lifted in the end.  

We also do not own bonds, the dollar, oil, non-residential real estate, and private equity whose asset valuation is at risk.

The weekly investment webinar will be held on Monday, April 13th at 8:30 am EST. You can join the webinar by typing https://zoom.us/j/9179217852 into your browser. You can also use your phone by dialing [phone] or [phone]. Meeting ID is 917-9217852 and password, if needed, is 073986.

Remember to review all the facts; pause, reflect and consider mindset shifts; turn off your cable news; do independent research and …

Invest Accordingly!

Bill Ehrman

Paix et Prospérité LLC

[beamscarf20-blog]

Learning To Buy Crypto

Setting up a cryptocurrency account takes minutes, however you'll need to supply some information, including your Social Security number (if in the USA) and the number to your bank account, debit card or credit card to money your bitcoin account. Record and secure any new passwords for your crypto account or digital wallet (more on those listed below). Don't make use of a credit card. Although some companies authorize you to acquire bitcoin by credit card, making investments by borrowing from a high-interest item like a credit card is never ever a good concept. this site and other cryptocurrency investments are not insured by the Securities Investor Protection Corporation for exchange failures or theft, a safeguard that traditional stock brokerage accounts enjoy right up to $500,000. Some exchanges like Coinbase supply private insurance, however that doesn't protect against specific online breaches like somebody else misappropriating your password. Using a protected, personal web connection is important whenever you make financial decisions online. Buying bitcoin while at the coffee store, in your hotel space or utilizing other public internet connections is not advised. ## 2 - Choose how to hold bitcoin. Bitcoins can be saved in two sort of digital wallets: a cold wallet or a hot wallet. With a hot wallet, deals normally are faster, while a cold wallet often includes additional security steps that help to keep your assets secure yet at the same time take longer. ### Hot wallet. With a hot wallet, bitcoin is kept by a relied on exchange or service provider in the cloud and accessed through an app or computer internet browser on the web. Any trading exchange you join will offer a complimentary bitcoin hot wallet where your purchases will immediately be saved. However numerous users prefer to move and store their bitcoin with a third-party hot wallet service provider, also generally free to download and use. Why select a wallet from a supplier aside from an exchange? While advocates say the blockchain innovation behind bitcoin is much more secure than traditional electronic cash transfers, bitcoin hot wallets are an attractive target for hackers. As Bitcoin.org alerts: "Online wallets and lots of exchanges suffered from security breaches in the past and such services typically still do not supply sufficient insurance coverage and security to be used to save money like a bank." There are lots of hot wallet service providers, offering a series of wallet types. Here are a couple of: Coinbase: Also a popular bitcoin currency exchange, Coinbase uses complimentary online hot wallets and insures losses due to security breaches or hacks, employee theft, or deceitful transfers. Electrum: Software that allows your bitcoin to be saved on your laptop computer or desktop. Blockchain: Like Coinbase, Blockchain is an online hot wallet; unlike Coinbase, Blockchain isn't a currency exchange and is considered a less appealing target for hackers. Mycelium: A mobile-only bitcoin wallet, with variations available for Android or iPhone users. Although some hot wallet suppliers use insurance coverage for massive hack attacks, that insurance may not cover one-off cases of unauthorized access to your account. ### Cold wallet A cold wallet is a little, encrypted portable gadget that allows you to download and transport your bitcoin. Cold wallets can cost as much as $100 but are deemed much more secure than hot wallets. Cold wallet suppliers include: Trezor: This business uses little, key-size cold wallets varying from about $80 to $170.

Journal Nano: Designed like a thumb drive, Ledger Nano has cold wallets varying from about $60 to $120. When developing accounts for your digital wallets and currency exchange, utilize a strong password and two-factor authentication. ## 3 - Make your purchase After connecting your bitcoin wallet to the bitcoin exchange of your pick, the last step is the simplest-- making up your mind what amount of bitcoin you want to invest in. While bitcoin made news in May 2019 by cresting to $8,000 for the very first time in a year, bitcoin (trading symbol BTC or XBT) can be purchased and offered for fractional shares, so your initial investment might be as low as, say, $25 or even less. ## 4 - Manage your investment One option is to purchase bitcoin now and then sell it if and when its resale value moves higher if you like the idea of day trading. If you see a future for bitcoin as a digital currency, possibly your investment strategy is to hold and purchase for the long haul. Whatever your strategy, understand that owning bitcoin creates a complicated tax situation.

#how to invest in bitcoin

[carl95896-blog]

Detailed Notes On costoto safety

The cost of the inspection by itself is just not superior. The price of fixing matters, in order for the car to move the inspection, may very well be large. Transfer to Asset Safety?? You cannot be docked at the chosen framework to complete this motion.|??On the|Around the|Within the|About the|To the|Over the} onset of the business scenario, there was no justification for it,??he explained. ?But at the conclusion of the working day, we see improvements and productivity that we didn’t see up entrance.??You will find there's widespread concept in management that what will get measured receives managed. This also relates to the collection of data with respect to safety costs. At the time knowledge collection starts, Individuals providing the info turn into much more conscious of these prices and start handling them, consciously or unconsciously. This is probably the synergistic results of monitoring charges.|When scheduling your shipping and delivery having a gun Risk-free moving enterprise, you must offer just as much info as possible. This could make certain that you receive an accurate estimate.|Achieve an Advantage About Your Friends: Due to the superior quality of BCSP credentials, as shown by its compliance with nationwide and/or internationally recognized benchmarks for certification of individuals, most Keeping a BCSP credential have designed an edge for by themselves.|Given that the standard of choices is a purpose of the quality of data input, figuring out details trustworthiness is vital. Other analysis factors essential for the correct working of the expense design include:|Seemingly I can not go any place else to have the work accomplished because I'd safety accomplished at this place. Is that this true?|The financial institution isn't going to retain an additional list of keys on your safety deposit box as a result of safety and privacy troubles. There is only one established and that is given to you so if you shed it you must get a complete new lock/list of keys.|This on line company is furnished by Texas.gov, the Formal Web-site of Texas. The cost of this company incorporates cash that guidance the continued functions and enhancements of Texas.gov, that's provided by a third party in partnership While using the Point out.|I delight in sharing my particular activities in my journey again to financial well being and arranging for your upcoming -- that will involve sending two Young children to school and early retirement.|Besides the educational necessity, BCSP candidates will need to have Expert safety encounter. Skilled safety working experience ought to meet up with all of the next conditions for being viewed as suitable by BCSP:|Your driver license or identification card amount, Your date of birth, The last 4 digits of your respective social protection quantity, and|Lots of individuals invest in safety deposit bins to hold their jewelry, funds and essential documents. These packing containers are individually secure containers held in banking institutions that work as storages that protect against theft, fire, floods, and so on.| To be a precaution, it is best to create a copy of your safety deposit box critical and hold each keys in addition to one another and in safe destinations (not with your house keys or motor vehicle keys). Dont preserve the keys with a keyring or within an envelope Using the banks identify or the location of the safe deposit box. Give your additional critical only to a person you belief.|A sound program and excellent, conscientious practices dont really need to come with a steep rate tag ??we even outline the methods to create a PPE Software.|Citations and fines for noncompliance are high priced and Since theyre regarded as penalties and never working fees, OSHA and OSH fines aren't tax deductible.|Its all about deciding the fee vs . the value for your personal staff and fantastic-tuning it to meet your business goals.|Talk to your contractor with regards to the disability as well as exercise degree of the individual needing the modifications and with each other you can come up with a customized solution for your house.|the safety expires immediately after 36 times, so the vendor is out the hard cash if bike is not acquired in that timeframe...|Despite the fact that cost cost savings absolutely are a motivator, safetys most significant return on financial investment may be human cash. Businesses must not foundation conclusions on irrespective of whether a selected improve will bring about Price tag discounts, but in its place on whether or not it is going to preserve employees Protected, As outlined by Widdowson.|I are actually a Licensed tightwad striving for financial freedom because I became pregnant with my initial child -- And that i decided to discover a method to continue to be house with him entire-time.|Though the economic return on expense ??elevated productivity, improved customer service, dollars price savings from less accidents ??could assist with the promote far too, he added.|Ensure that you inspect them for old , splintering or rotting Wooden. You an outfit your home with the latest and strongest locks, but if they are positioned in old rotting doorways an intruder could merely force them in. Despite the fact that changing doorways and Home windows will include to the costs, it could be the only approach to guarantee your safety and safety.  Go on Studying} When they show you they "are not in a position to make it happen", insist that it may possibly and that you have completed it just before... there is certainly always an individual lazy on the pc not eager to bypass the automatic make/model Auto search. The Safety Income Survey shows that the certification course of action furnished them with correct skills in the sector. The certification did what it is meant to do - ensured the knowledge needed for apply. activities,??regulating professional medical do the job ailments and mistake reporting.|Low rider mentioned: Any new rider who does not know A lot about bikes really should usually buy a Accredited bicycle. Click on to expand...|As massive purchasers, regulators, conveners, and providers of wellbeing care services, states have distinctive options to further improve affected person safety and safeguard the general public. 1 system in position in only over fifty percent of states is the implementation of an adverse event reporting technique. This report describes the position of and trends in condition adverse occasion reporting systems as of November 2014. Read the complete report printed Jan. 2015. |Other firms have observed similar advancement. Alcoa states that when it started focusing on turning out to be a safer corporation, the Pittsburgh-centered aluminum company saw its earnings boost from $0.|In case the station the assets are increasingly being automatically moved to is not really in the exact method, the participant must spend fifteen% of the belongings' worth to launch them from asset safety. If it is similar method, the demand will be 0.5% with the property' benefit.|Step one of the Value product is always to determine the boundaries of the data collection search. What charges will likely be gathered and deemed? What strategies for defining fees will likely be applied? How will fees be sorted and classified?|You may also prefer to get the momentary driver license or ID by electronic mail, but it's essential to print it to ensure that it to generally be a valid doc.|OSHA approves two protocols for respirator in good shape tests Brief use of hand sanitizers may not be adequate to eliminate flu virus: research Taking in at your desk?|We use cookies to offer you a better practical experience. By continuing to browse the internet site you happen to be agreeing to our usage of cookies in accordance with our Privacy Plan.|Prior to now 20 several years, the responsibilities of safety professionals have expanded. Safety troubles have become far more advanced and modern safety pros should continuously maximize their know-how foundation. BCSP credential holders are One of the most extremely educated, educated, and skilled people in the safety field.|The accountability should be the prevention of harm to people today, property, as well as setting, in lieu of responsibility for responding to damaging situations.|We reserve the best to determine which responses violate our remark plan. (Anonymous remarks are welcome; merely skip the ??name|title|identify}??discipline from the comment box. An e mail deal with is necessary but will not be incorporated with the comment.)|The Section of Labor would not endorse, takes no responsibility for, and workouts no Handle in excess of the joined Business or its views, or contents, nor does it vouch with the precision or accessibility of the knowledge contained around the vacation spot server.|The owner can prefer to Get well person items or your complete contents in the container at the same time by deciding upon and dragging the objects from your Asset Safety wrap in the hangar or cargo hold.} Invest in Test??menu button. You may have just one (one) year from your approval of the application to acquire and sit for assessment, and could sit with the Test Anytime following a 6 (six) 7 days waiting around period of time from the final Test endeavor.|Select a financial institution Risk-free more than a home Secure. Whilst home safes can be had for as minor as $ninety nine, theyre less difficult for burglars to crack. Most residence safes bodyweight fewer than 100 lbs, so its not that tough for thieves to walk off with all your Harmless ??plus your valuables.|Regardless of the variances in the expense-estimate styles, Kolosh pressured which the Expense financial savings from safety are actual. ?Safetys not just a good matter to do,??he mentioned. ??It has|It's|It's got} many financial relevance also.??You can not put a value tag on preserving the overall health and safety of you, All your family members and your pets. Many of the threats to your own home's safety usually are not visible and you should seek the services of knowledgeable to come in and test your property for matters like asbestos, water and air good quality, mold, direct and various toxins.|But specialists say the personal savings exist, and ??armed with the ideal figures on The prices of injuries ??safety pros need to be able to efficiently argue that investments in safety will cause cost savings down the road.|When you've got a copy of anything significant (like your will or insurance policies papers) in a safe deposit box, your relations should be able to retrieve Those people objects should you, personally, can not.|Kijiji is your Close friend. Not sure about London precisely, but in the GTA there are lots of shops who can do same working day Safety and one-2hr Work opportunities.|The cost to deliver your vehicle nearly emission & safety specifications may be during the hundreds according to what your vehicle wants. Brakes, shocks, catalytic converter just to call a couple of illustrations.|Dont have faith in anyone who suggests that a safety system will not be cost-effective. Especially in scaled-down organizations.|Ships which have been boarded by a capsuleer won't be moved into asset safety. They will be undocked or be in Area over the pilots following log in after the framework has been decommissioned or wrecked.|If you purchase an uncertified bike and afterwards deliver it in for saftey to change possession, it could grow to be really pricey.|The more upfront and complete you will be with the small print necessary for your shift, the smoother your shipping will go. Moreover, you are going to avoid any surprises with additional service fees occur delivery day.|Look at providing the originals to your lawyer, and making copies to go with your safe deposit box or to offer an in depth friend or relative.  Supply|Affected individual safety also contains endeavours to reduce well being care-affiliated bacterial infections that end result from therapy inside of a hospital or other professional medical treatment environment. The goal of affected individual safety initiatives is to lessen soreness, suffering and deaths associated with preventable, unintended hurt to a individual.|You should Note: Rear See Safety reserves the best to change/modify the problems of our coverage in almost any way at any given time.|A far more exact calculation of safety charges could be reached which has a cost product depending on how the Group basically operates, making use of serious-time Price estimates. This process is dealt with in more depth underneath.|As recognition for BCSP credentials grow among the employers, federal government organizations, peers, and the general public; those holding just one have a competitive edge for safety positions and assignments.|Supply the next documentation into the license and permit expert: Software substitute, and} Safety Manner lets you keep utilizing knowledge at minimized speeds just after your details allowance is utilized up for your month. You'll be able to remain on the web with no stressing about overage expenses. Value accuracy. This really is connected to the dependability of the actual number??a combination of the supply of the info and who really supplies it.|A significant variable is acquiring satisfied benchmarks recognized by peers for professional safety exercise. It signifies that you have risen earlier mentioned the competition simply because you have already been evaluated by professional friends towards Those people expectations.|When swimming inside the ocean, be conscious of riptides. If you need to do get stuck in the riptide, Do not swim versus The present; instead, swim parallel into the shore.|The fee to move or supply your Protected is a brilliant expenditure for the safety and for shielding your Protected and residential. The pricing supplied on this page is just a mean. You must contact your neighborhood Liberty Secure seller for final pricing.|Consequently, gathering fantastic info during the early implementation phases turns into a Consider continuing to show worth over time. You will discover many various strategies to find out a company's price of safety. What follows is 1 fundamental method.|You'd probably must pay them possibly a labor fee, or expense of A different safety, yes. Simply because they'll need to examine the car to more info make sure the part was changed, and that It is really safe. If it have been one thing like a bulb, tire, etc. in which they will visually see it than no.|Simply just enter your issue and availability, and TalkLocal will do the rest. Within minutes, you have to be within the cellular phone with a professional corporation who is prepared to assist you out.|Some providers nevertheless Slice back on safety mainly because its deemed much too pricey. New PPE may not be while in the budget, or there may be an excessive amount of going on at do the job to prevent output and squeeze in safety instruction.|While safety deposit bins are resistant??to fireside, flood, heat, earthquakes, hurricanes, explosions and various disastrous situations, there is absolutely no promise that the products will never get destroyed.  Its smart to set your valuables inside a water-resistant container right before putting them in the Protected deposit box for included protection.|Suspect information and facts/unsure summary. During this class you suspect that the knowledge is not really superior, but can't be particular that it's bad.|Some indirect prices will be the identical it doesn't matter your enterprise, Some others will be a lot more marketplace precise. By way of example:|The proprietor with the box and the financial institution agent need to be current once the safety deposit box is becoming drilled. Bear in mind, the expense of drilling and changing the lock/keys is all on you.|You could search online for the particular regulations, I provide the hyperlink at your house but am on my iPad at the moment. For anyone who is alittle mechanically inclined, you are able to do your own personal inspection that could signify excess of the bit of paper.|On top of that, when something comes about to your member of your family, or if It truly is just a improve in age that causes incapacity, and also you find yourself needing to retrofit your property to accommodate for the new dwelling circumstance, remodeling will permit the disabled individual in your home to truly feel far more empowered and unbiased.|To aid our function, and continue to be a no cost website, we receive a Fee from a few of the backlinks we share.|The OHST is sponsored with the Board of Accredited Safety Gurus, and provides a great mixture complex credential. This certification won't require a school degree. The needed 200 problem test is Similarly divided in between safety and wellness.|Whenever you offer your info, we will under no circumstances give or market that data to any outdoors organization or personal for its use in solicitation. We'll preserve the confidentiality within your information and facts though applying it to aid your romance with Rear Watch Safety Inc.} A nationwide safety Corporation that championed required seat belt rules is now calling on governors and legislators in all fifty states to ban cell phone use while driving. of lawyer??(your published authorization for one more individual to transact organization on the behalf), passports (in case of an emergency journey), health care-treatment directives should you turn out to be sick and incapacitated, and funeral or burial instructions you make.|Although the process was regarded as a tripping hazard, the corporate believed elevating the conveyor off the ground could well be also highly-priced. Even so, immediately after an worker tripped above the conveyor and broke a hip, the corporate realized the procedure had to be raised.|jukon stated: I'd personally avoid "as is" bikes. When the person can't care more than enough to get a piece of paper in your case he most likely can not treatment more than enough to just take great treatment of your bicycle. Simply click to increase...|I have bought my previous two cars and trucks and two bikes unsafetied and use that to my advantage when bargaining, considering the fact that most sellers would rather not cope with the hassle of having it safetied|The CSP Exam is the second-degree examination expected in The 2 check system. This five and one particular-50 % hour Computer system delivered examination is made up of two hundred concerns that analyze the prospect's applied information and the applying of experience obtained as a result of Experienced practice. The two the ASP as well as the CSP are administered through the BCSP.|CCOHS describes that even tiny organizations with an excellent safety background can slide prey to unexpected costs that ironically stem from endeavors to save money.|With minimal complication premiums being more and more identified as a significant evaluate of fine clinic efficiency, initiatives to reduce complication prices are being pursued Along with the expectation of serving to clients and minimizing payers??reimbursement bills along with companies??expenses. Published in Overall health Affairs, October 2012. See: |During all the years I've been dealing with Rear Watch Safety, they've by no means let me down. I have experienced them ship a multitude of components to different addresses all over the nation and so they virtually have 100% achievements rate with my company. Their customer care is usually pleasurable to speak with, there is constantly somebody there swiftly (no extended keep instances), and they're seriously experienced about the merchandise as well!|If you might want to get a substitution with out switching any information on the entrance of the card, it's possible you'll use the net Card Replacement attribute, provided you might have the following data:} When staff members aren’t snug at do the job, they’re extra likely to move on to a brand new occupation. This results in a company that is less aggressive because the greatest employees won’t want to work there.-in??from management to the safety perform, so that it will become a Section of the culture of a corporation.|It was once within the $eighty variety but seems like the more recent, much more thorough requirements have amplified The prices somewhat. Commonly, brake work would be the #one expense I feel. normally new pads or some rotor grinding. If it is a properly held automobile, there actually shouldn't be something extra.|This really is something that has happened persistently at Schneider Electric powered, Widdow son explained ??a approach or modify is authorized with safety improvement remaining the justification, and unexpected Positive aspects to organization coming later on.} You can go elsewhere to obtain the operate finished, but as the wheel must be eradicated for the ball joint to be replaced, the Inspecting Shop will cost you an hourly fee to examine and confirm which the do the job was done. to present, 1 location to a different, a person team to a different? that drives conduct in a company. What will get rewarded gets recurring, And just how an motion is calculated and as opposed gets a foundation for habits modification. So, the mere motion of measuring costs will drive enhancement in those expenses. And which will come to be the most important offering point of all.|Is the fact a lot of of the price to inquire? Or can it be a crimson flag that there is likely to be anything seriously Erroneous With all the bicycle?|Whilst The prices of a safety program aren’t carved in stone, many of them are fairly very easy to quantify. For instance, you almost certainly know the cost of PPE employed by your employees. But some expenditures aren’t easy.|You put your hard earned money in a very financial institution.  You place your meals inside of a fridge.  You place your clothes in a very closet.|Obviously, monitoring safety prices might be a complicated and time (and energy) consuming procedure. The more you are doing, the more you are able to do. All of it depends on The key reason why for collecting the information in the first place and what you intend to utilize it for. So, coming entire circle, we arrive Yet again for the aim. If you are only seeking to get some perception of wherever, inside of get of magnitude, your fees are, then you can use many of the fundamental ??rules|guidelines|principles|policies|regulations|procedures} of thumb??and get there at a tough estimate of prices.|The next NCSL Difficulty short was distributed to condition legislators and legislative staff across the nation.} Safety and the tiny organization A environment of distinction?? For Females in safety, a mentor can present guidance and open doors Staff and diploids: A snapshot Again to well being: How to proceed about very low again discomfort these two principle prices factors separate assists companies observe how they change with time and really helps to present how investments in safety can in fact minimize the expense of non-safety.??the 200 problem 4 hour Test measures a persons understanding of the speculation and apply of primary adult education and learning and confirms understanding and practical experience within the SH&E specialty place(s) in which they train.|of charges, not true prices. A significantly less theoretical solution draws on the present cost accounting construction of your Business. In spite of everything, cost details is currently staying accumulated to price possible jobs and Invoice for do the job in place.|Asbestos may be in paint, vinyl ground tiles, steam pipes and furnaces. Asbestos gurus can perform residence inspections, acquire samples of material, assess its affliction, and advise about what corrections are necessary and that's qualified to generate these corrections. Try to remember, materials in fantastic condition isn't going to should be removed Except if it'll be disturbed. If removal is warranted, be ready as sometimes, you may have to relocate while this is getting carried out. Fees for these products and services may vary tremendously|The believed once-a-year cost of further clinical and short-term disability bills affiliated with healthcare problems is $19.five billion. For a longer period hospital stays and the cost of dealing with professional medical error-relevant accidents and problems are The 2 significant expenses associated with health-related faults.} 토토 솔루션 tricky??versus ??soft|gentle|delicate|comfortable|smooth|tender}??expenses, direct compared to oblique, identified vs . unrecognized, and the like. Thus, the level of detail can range between quite simple to pretty complex, according to your objective. Hence, it is not difficult to discover how The prices of safety will vary so noticeably from one enterprise to another.} Prompt data is instantaneously obsolete. Only by far the most banal ideas can properly cross wonderful distances in the velocity of light. And something that travels pretty significantly extremely speedy is scarcely value transporting, Particularly the vacationer.??- Ted Simon, Jupiter's Travels|Also is it crucial to convey to mechanic (for Value factors) this is for automobile registration (obtaining license plates, and many others) as opposed to an inspection to help while in the purchasing/advertising of a vehicle?|Only you know whats within your Secure deposit box ??not the lender, not your family, not anyone that you choose to don’t personally explain to on your own.  The associated fee for any safety deposit box varies dependant upon dimensions.  Rental charges are billed yearly.|  Industry experts say its smart to possess a specified energy of lawyer to handle your economical affairs ??which include usage of your box ??in the event you are struggling to since you are disabled or touring, among the other causes.  Should you have a power of lawyer, moving into your safe-deposit box gained to be a challenge.  Source|That is an embedded ingredient within the technique, positioning limits on all another features. Reliability is actually a evaluate of your trustworthiness of the information. The dependability of knowledge is usually put into 1 of four classifications:|It takes advantage of a company's income margin, the normal costs of an injuries or ailment, and an indirect Price multiplier to task the level of sales a company would wish to generate to go over People prices.|I've observed the price of the bicycle which has a safety inspection and certificate is generally priced at about $250-300 in excess of the "as is" rate. I'm probably not guaranteed what the typical price of this safety is.|The motive force license office personnel will ascertain if it is necessary to concern a completely new quantity when reviewing your case.|Individual Asset Safety is induced when an Up well Framework is ruined, un anchored, or even the participant manually activates it. At the time asset safety has been induced, an entry will look within the players "Asset" window underneath a tab referred to as "Safety".|safety Pays OSHA. Interactive program that assists employers in evaluating the impression of occupational accidents and health problems on their own profitability.|An administrative law judge Using the Occupational Safety and Wellness Overview Fee has upheld fines from an Ohio corporation. An inspection disclosed several staff members experienced signs or symptoms of the likely lethal respiratory sickness after sweeping up pigeon droppings.|Spool up time is the lag. Who put the lag inside a lag? Who put the bomp within the bomp bah bomp bah bomp? Who put the ram inside the rama lama ding dong? Click on to expand...|"I don't know" or IDK. With this classification, you would not have enough knowledge of the source to make a determination about the reliability of the information.} people today??side of things ??invest in safety so workers do not get harm, as an example.|Liberty Safe endorses that you've knowledgeable and skilled team of movers transfer your current Safe and sound or provide shipping and delivery of your respective new Harmless to your own home.|The more you are aware of at the programs outset, the more you’ll be capable to evaluate success and value in the months, months, and many years to return.|Sure This is often for a single ball joint. While using the safety it will' be cost me $450 whole at this particular explanation.|The research concluded that enforcement functions had been connected to a substantial fall in statements incidence fees and costs Which related results may additionally be attributable to Consultation visits. See Summary.|I am some a yard mechanic In terms of my motor vehicle but bikes are entirely new and overseas to me.|Is the fact that an excessive amount of the selling price to talk to? Or could it be a red flag that there could possibly be some thing very seriously Improper With all the bicycle? Click on to extend...|The Division of Labor won't endorse, requires no accountability for, and exercises no Regulate about the linked Group or its views, or contents, nor does it vouch to the precision or accessibility of the data contained around the desired destination server.|You'll find so termed "get it done by yourself" kits, but you might want to closely take into account their use. Whilst These are cheaper than using the services of an expert, they may or may not Provide you with all the necessary effects at an accurate stage. Rate ranges for an expert range enormously - dependant upon the dimension of your property and what exams you would like done. Don't forget, Additionally you could really need to shell out some dollars to fix the problems uncovered.  Carry on Looking through|Client safety refers to rules, tactics and systems to stop individual hurt or injury, such as attempts to forestall professional medical mistakes. These problems, often called adverse situations, are occurrences of unintended harm from healthcare care. The leading types of medical errors are therapy problems, failure to complete indicated checks, and avoidable delays in treatment.|We make this recommendation to your safety and to avoid harm to your Harmless and residential. The prices for the fire rated residence safes and vaults available for sale on our Web page never involve delivery. They may be for pickup in a supplier only.|The existence of direct-based paint in a home doesn't always indicate You will find a guide-centered paint hazard to occupants. To verify, you may want a different screening approach - either a risk evaluation or hazard screen. Either way, a specialist process is necessary and may be necessary if you decide to eliminate the toxic lead discovered in your home. The typical price of poisonous guide abatement ranges from $5 to $20 per square foot - based on the region during which you live. The fee is much more if you need the direct removed from the outside of your house since there will have to be protective screening expected.|These figures, Whilst superior, are more likely to be decreased than the actual cost of a single death because both models replicate only immediate prices. Immediate expenditures include things like staff??payment, health care charges, civil liability or litigation costs, and property losses.|If, in its place, the Corporation thinks in the value of safety as a value driver and sees it being a vital factor for escalating profitability, then a more precise process??such as|like|including|for example|for instance|which include} explained in the following paragraphs??must be|should be|has to be|have to be|need to be|needs to be} crafted.|For safety, administration have to quantify bucks used to circumvent accidents and Examine it to the quantity of profit or savings generated by this kind of exercise. In the following paragraphs, we will handle the fee element of your equation.}}

[plergusocrypto]

AUFIN

The Aufin Protocol is a protocol that allows users to earn continuous compound interest on their assets.

Preview

These are decentralized financial instruments, also known as digital assets, which were created to allow investors to increase their money while they sleep. The Aufin protocol will use blockchain technology to perform fully automated crypto investment actions. It will be a source of passive income for any investor looking for daily profit as well as long term asset growth.

Aufin crypto auto staking and compounding defi protocol is a cryptocurrency platform that can help people make a lot of money in the future just by joining the project.

Aufin crypto auto staking and compounding defi protocol is a cryptocurrency platform that can help people make a lot of money in the future just by joining the project.

AUFIN CONTRIBUTION TO DEFI MATTERS

The Aufin protocol is a new crypto staking and compounding defi protocol used by all financial products developed on the Aufin platform. The system is built around smart contracts and offers users a simple method to make money.

Aufin is a decentralized (defi) finance protocol that enables secure on-chain bond investment and incorporation. Aufin tokens (AIF) will be used as transaction fuel for all ecosystem services.

Aufin is a technology that automates the staking and compounding of cryptocurrencies in the background. Aufin will also assist you in tracking your portfolio profit and loss data, as well as provide market trend analysis.

By automatically depositing funds in a timely manner into cryptocurrency market accounts, Aufin's crypto defi protocol allows every user to benefit from the best potential interest rates. Deposits are only made if the bank's interest rate is high enough; otherwise, the money stays in his wallet and earns interest on his balance.

AUFIN UNIQUE FEATURES

Using the power of blockchain and our patented smart contract technology, Aufin crypto's auto staking and compounding protocol is the simplest way to generate passive income with very minimal maintenance costs.

The greater the staking and compounding returns on Aufin crypto, the longer you hold it. This protocol is intended to provide the best returns over the longest period of time. The goal is to keep the token price as stable as possible.

Aufin is a decentralized community based crypto staking and compounding platform technology. It is the first of its kind to provide a crypto-friendly ecosystem for investors and companies.

Benefit Token Holder

Aufin focuses on developing DeFi that provides benefits and incentives for Aufin token holders. Here are some of the benefits for $AUN holders:

Okay with Aufin Insurance   — 5% of all exchange fees are held in Aufin Insurance which supports and supports tagging awards by maintaining cost solidity and significantly reducing the risk of loss.

Simple and Safe Betting   — Aufin tokens generally stay in your wallet so you don't have to bother placing them under the control of outsiders or concentrated forces. You just buy and hold because as a result you get the gift in your own wallet so no more messed up tagging process in any way.

Interest Yield with Automatic Payouts   — You really don't want to stress about having to re-stake your tokens. The interest yield is paid naturally and accumulates in your own wallet, promising you will never miss an installment.

APY Still the most important  — Aufin paid 480,419.00% at the start of the year rivaling anything in the DeFi field to date. After the first year, borrowing costs drop during the Epoch.

Fast Interest Payouts   — The Aufin Protocol pays each Aufin Token holder every 10 minutes or multiple times each day, making it the fastest auto-generating convention in crypto.

Automatic Token Burning   — One of the amazing elements of the Aufin Protocol is a programmatic symbolic consumption framework called “Aufin Fireplace” which prevents supplies from going crazy and getting out of hand. Fireplace consumes 2.5% of all Aufin Token market offerings and is forfeited in similar individual exchanges.

AUFIN'S MISSION

The most successful crypto investment and auto-staking protocol is Aufin's auto staking and compounding defi technology. It allows you to invest in a pool of smart contracts programmed to stake, pool and return your sums at predefined intervals.

OUR ECOSYSTEM

Aufin is a Crypto Auto Staking and Compounding Decentralized Economy (Defi) system that uses smart contract technology to provide real-time transparency and fairness while also providing a return on investment over the staking life cycle.

Aufin is a cryptocurrency based on the DeFi protocol. The Defi protocol is an automated staking and compounding system for cryptocurrency wallets. You can create multiple wallets, each with its own set of features and parameters. Automated betting is a concept that allows your cryptocurrency to be spread automatically across multiple platforms depending on predefined rules.

IN BRIEF

AUFIN is a Binance based system that allows you to generate passive income in the form of cryptocurrencies without having to manually intervene.

The defi protocol is an automated staking mechanism that allows you to earn interest simply by storing defi coins in your wallet and allows your wallet to connect to the network. If your coins mature, the protocol will automatically stake them by transferring them to the network, and it will also stake them to increase your interest while the network is staking.

Tokenomics $AUN is a customizable stock BEP-20 token that rewards holders using positive rebase conditions. - Adjusted LP 4% of trading fees back to liquidity ensuring increased security. - Risk Free Value 5% of trading fee is transferred to Aufin security which supports and supports stamping rewards given by positive rebase. - Vault 2.5% of purchases and 4.5% of direct settings to the vault that manages Aufin's insurance.

TOKEN AUFIN

Based on the Binance network, the BEP 20 coin is built for fast value transfers between businesses and consumers.

AUFIN (AUTOMATIC MINING FINANCIAL NETWORK)

is a blockchain technology featuring automated staking and compounding, enabling anyone who has AUFIN tokens in their wallet to collect daily profits.

These are referred to as AUTO-STAKING, which pays the user with 100% of all transactions, and COMPOUNDING, which accumulates all the interest received into your account.

Buy Link :   https://app.bogged.finance/bsc/swap?tokenIn=BNB&tokenOut=0xB7F3d845D693C930Fa0fA1c4d71bB6Ba40ab6af4

Website :  https://aufinprotocol.com/ Whitepaper :  https://docs.aufinprotocol.com/ Telegram :  https://t.me/aufinbsc Twitter :  https://twitter.com/ProtocolAufin Medium :  https:// medium.com/@AufinProtocol Reddit :  https://www.reddit.com/user/AufinProtocol/ Perselisihan :  https://discord.gg/KyNcSPquNP Bitcointalk :  https://bitcointalk.org/index.php?topic=5393738.0

Username:plerguso Link: https://bitcointalk.org/index.php?action=profile;u=2579950

[cryptobright]

Koinomo (KMO Coin): Decentralized Financial Revolution System in Blockchain Technology

Koinomo (KMO Coin) is a cryptocurrency Assets that will storm the world in the year 2021, lunched based on Binance Smart Chain (BSC), that is growing in popularity day by day, with the aim to be used by entrepreneurs, small businesses and start-ups for Utility purposes.

Koinomo platform is made up of highly intelligent, motivated and experienced professionals in all areas of financial activities. The average type of customer ranges from individual, entrepreneurs, business owners, start ups, banks and financial corporation’s willing to invest their funds in a time like this. Koinomo project is a global Platform, created with the objective of providing members of the ecosystem with the most secure, safest and reliable investment plan with the $KMO Token. Users can always make huge and massive profits with a low risk.

What is Koinomo?

Koinomo is a platform for the future of fund management using Smart contract's based on blockchain Technology. Koinomo Project (KMO Coin) decentralized system is a global marketplace for all cryptocurrency assets. It is building a robust and fully compliant platform that offers a broad range of peer-to-peer cryptocurrency-specialized solution. These include a high-frequency financial trading platform capable of real-time spot trading and margin trading and over the counter crypto trading industry across the world.

Vision

Our main goal is to enable users to benefit as much as possible from the new investment opportunities created by decentralized finance with the least amount of constraints possible. Therefore, users combine multiple income streams while maintaining full flexibility of token use. The betting mechanism built into the Koinomo protocol works without requiring any user action. Users do not need to lock their tokens and do not need to claim their rewards as the staking process is fully automated.

The investor on an incredible Platform brings good returns. Join the Koinomo Platform today and start making your profit. Trading is a nice business when you trade on an incredible platform like (KMO Coin) and your funds and profits are always safe and secured.

The Koinomo company has created all the favorable and convenient tools needed for investing, start ups, institutions, and individuals. Investors will also be able to get massive returns on all investment made on the platform. The Initial Coin Offerings (ICO) token will be released on the basis of BSC Network and will listing on PancakeSwap. It’s compatibility of the token with third-party services wallets, exchanges website of the trading wallet, a desktop version and mobile versions of the KMO Wallet for Android and IOS operating systems, which makes it possible for anyone to become an Koinomo user right now.

The Koinomo project aims to make decentralized financial products available to non-tech-savvy users. KMO Tokens allow gas-free automatic staking rewards:

• Multi Beneficiaries

Since the Embedded Staking Protocol (see next paragraph) allows full availability of token use in other Binance Smart Chain, rewards can be "doubled" using Koinomo. In this way, staking rewards work like an additional layer of passive income in crypto.  

• Comfortable

Koinomo bets are embedded in the standard BEP-20 transfer function and are fully automatic and 100% passive with no user decision or interaction necessary to receive the prize.  

• Flexible

Koinomo is compatible with Binance Smart Chain based Utility projects. KMO Coins can be used like all standard BEP-20 tokens to collect, lend, generate farms, mine and so on, all of this while continuing to generate additional stake tokens to holders.  

• Fair

The embedded Koinomo protocol stakes evenly adjusts all balances according to the embedded offer development curve. No preference of any kind is given to any particular holder. All wallets are treated the same way, regardless of balance, transaction volume or other parameters.  

• Transparent

Open source Koinomo. All program code and contracts are available via Github and can be checked and tested by anyone. Due to the implementation of a single contract, manipulation of the contract logic or the maximum supply is not possible, there is no additional minting of coins. Bet prizes are fully transparent and predictable.

• Stable

With Koinomo, no reward release event at the end of the lock-up period can result in a cyclic dump. Except for market reasons, selling Koinomo has never been easier or more profitable at any given point in time, creating less volatility.

• Independent

With Koinomo you remain independent because tokens are always liquid while earning rewards (without locks) and can be freely transferred or invested in other Binance Network products.

Koinomo strives to create and maintain a very safe, secure and flexible as it stated above, at climate that is ideal for invest/trade. In the coming years, Koinomo is pursuing a structure for itself as a whole IEO limiting as a phase for advanced cash friendly worldwide while freeing from all climates of damage to individuals, financial managers, new organizations, private courage to contribute, trade , implement and develop by having a setting in the whole market that guides monetary authenticity, candor and development.

Koinomo platform has also employed team members with the required experience needed to make each department in the platform drive and generate Profits. They are working always to make KMO Token get more value and attractive and also at the same time help Investors feel comfortable and make cool Profits.

KMO EXCHANGE AND ITS NATIVE TOKEN

Koinomo project (KMO Coin) is an new investment company which starts operations by creating and issuing KMO Token. Koinomo project is created and based on the Binance Network. KMO Token is a digital currency designed to represent the digital balance in a certain asset in the digital world. Tokens are needed to make activities in Platforms possible and easily done. Token management is always implemented via a smart contract, which does the function of recording the value of assets and data of token holders and also enable the transfer of tokens from one account to another.

TOKENOMICS: Pre-Sale & Values      

Start: Sept 9, 2021 (9:00AM GMT)    

Number of tokens for Sale: 4,000,000 KMO (40%)

End: Sept 16, 2021 (11:00PM GMT)

Token Presale Price:      1 BNB = 2100 KMO

 Acceptable currencies: BNB

 Minimal Transaction Amount: 0.3 BNB

In Conclusion

Koinomo truly is the best protection coin for decentralized cash, offering complete contributing flexibility and various conservative income streams at the same time. The Koinomo project targets bringing in decentralized cash things available to non-very much educated customers. The KMO Token engages sans gas customized checking rewards. With Koinomo a virtual money is by and by available curiously, which offers the opportunity to profit by stamping rewards while keeping token opened and liquid, energetically open for use in any Binance Network thing at the same time. All wallets holding KMO Tokens thus and always partake in the checking cooperation.

For more information Connect to Koinomo

Website: https://koinomo.finance/

Facebook: https://www.facebook.com/Koinomo/

LinkedIn: https://www.linkedin.com/company/koinomo/

Reddit: http://reddit.com/r/koinomo

Telegram: http://t.me/Koinomoannouncement

Twitter: https://www.twitter.com/koinomotoken

 Author By:

Bitcointalk Username: Crypto Bright

Bitcointalk Profile link: https://bitcointalk.org/index.php?action=profile;u=2903200

BEP-20 Wallet Address: 0x686a1Da514673eb8fF3bF9B281F5958C23DcA1eB

#Koinomo kmo BinanceSmartChain BSCGem BSC investwithkoinomo

[olko71]

New Post has been published on All about business online

New Post has been published on http://yaroreviews.info/2021/05/americans-cant-get-enough-of-stocks

Americans Can't Get Enough of Stocks

Americans are all in on the stock market.

Individual investors are holding more stocks than ever before as major indexes climb to fresh highs. They are also upping the ante by borrowing to magnify their bets or increasingly buying on small dips in the market.

Stockholdings among U.S. households increased to 41% of their total financial assets in April, the highest level on record. That is according to JPMorgan Chase & Co. and Federal Reserve data going back to 1952 that includes 401(k) retirement accounts. JPMorgan’s Nikolaos Panigirtzoglou, who analyzed the data, attributes the elevated allocations to appreciating share prices alongside stock purchases.

The enthusiasm for stocks comes as market volatility has been edging lower and the S&P 500 has hit 25 records this year, fueled by a stellar earnings season and the prospect of an economic recovery that is speedier than many predicted. Meanwhile, stimulus checks have fueled a record rise in household incomes, boosting spending and helping propel the recovery.

In the coming week, the monthly jobs report and earnings results from companies like Uber Technologies Inc. will provide clues about the strength of the recovery.

Millions of new brokerage accounts were created during the Covid-19 pandemic and some investors who first tried their hands at stock or options trading over the past year have stuck around, adding to their investments. Financial advisers and money managers said their clients have grown more comfortable holding stocks as they witnessed the powerful rally over the past year, with some even questioning why they need bonds in their portfolios with yields still so low.

The steadily rising market—recently lifted by impressive earnings from companies like Facebook Inc. and Alphabet Inc. —has drawn even more investors in. Retail clients at Bank of America Corp. have bought stocks for nine consecutive weeks, while hedge funds and other big investors have recently fled the stock market, analysts at the bank said in an April 27 note.

Damon White, a 44-year-old physician assistant based in Sewell, N.J., said he started learning about stocks and options through social media platforms like TikTok while he was furloughed from his job last year.

Damon White has recently poured money into stocks like Tesla and American Airlines.

Photo: Damon White

He is back at work but says he still frequently checks in on his investments, recently pouring thousands more into the market, particularly in stocks like Apple, Tesla Inc. and American Airlines Group Inc., bringing his total stockholdings to more than $400,000.

“It was nerve-racking when you’re putting in a substantial amount of money,” Mr. White said. But, “if you have a quick finger, you’ll sell…and you’ll lose out in the long term.”

He doesn’t hold any bonds and plans to keep putting money into stocks.

Many individual investors haven’t been deterred by the market’s swoons. Data from research firm Vanda Research show that individual investors tend to buy more shares when the S&P 500 is down 1% on the day than when it is up by the same amount, and that their resolve to buy during selloffs has strengthened during the pandemic. Some have even borrowed to amplify their stock-market bets.

David Sadkin, a partner at Bel Air Investment Advisors who oversees $4.6 billion for wealthy clients, said the share of their money that is sitting in the stock market has increased to about 65% from roughly 45% last year, while he has whittled down investments in bonds. As his bondholdings mature, he has gradually reinvested the money into stocks.

The yield on the 10-year Treasury note settled at 1.632% Friday, up from around 0.915%, where it started the year, but still a low level historically.

“In order to achieve our clients’ goals, we need to take on more risk,” Mr. Sadkin said. “We intend to continue to reallocate into risk assets while interest rates stay this low.”

Other investors have been even more aggressive. A survey by the American Association of Individual Investors showed that investors’ allocations to the stock market hit around a three-year high of 70% in March. And margin debt—or money that investors borrow to buy securities—stood at a record as of March, Financial Industry Regulatory Authority figures show.

Randy Lee, a 31-year-old software engineer based in Lansing, Mich., said he was initially drawn to the quick thrills of options trading, witnessing his small investments roughly double or triple within hours.

Now, he says he still plays in the options market but also holds “boring” stocks like Royal Caribbean Group and Kraft Heinz Co.

Randy Lee says he doubled contributions to his retirement account.

Photo: Randy Lee

Jolted by the uncertainty of the pandemic, he also started stashing away more money in his retirement account. He doubled his biweekly contributions to the account and opened a Roth IRA account, which he has added to in recent weeks. Most of his holdings are in the stock market.

“I just never had that much time to just sit at home and look at this stuff,” said Mr. Lee. “What better place to create money like everyone else than to start playing the stock market.”

SHARE YOUR THOUGHTS

How has your strategy changed (if at all) in this period of stock-market frenzy? Join the conversation below.

He is optimistic about stocks, particularly after seeing the tech behemoths report record profits last week. But he does worry about a market crash in the future and has bought some cryptocurrencies, which he views as a hedge against a downturn.

He isn’t alone—the rising prices of everything from lumber to dogecoin to stocks has triggered worries about a market bubble. And to some analysts, the exuberance surrounding the stock market is flashing a warning sign.

“Retail investors have made a lot of money on many things including equities over the past year. At some point, given how high their equity allocation is, the risk is they decide to get out and take profits,” said Mr. Panigirtzoglou, a managing director at JPMorgan. “That is effectively what happened before in 2000.”

Write to Gunjan Banerji at [email protected]

Copyright ©2020 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8

#PAID

[frm-cfa]

What Is the CFA Charter?

The CFA (Chartered Financial Analyst) charter is a postgraduate professional designation that certifies the competence and ethics of financial analysts. According to CFA Institute, which offers the charter, it is the most respected and recognized investment management designation in the world. The process of earning the CFA charter will give you deep knowledge in the areas of investment analysis, asset management, and ethics.

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Many of the top financial firms employ CFA charter holders because they are seen as having attained the “gold standard” of the industry. Holding the CFA charter demonstrates mastery of a broad range of practical portfolio management and advanced investment analysis skills.

CFA charter holders provide guidance to businesses and individuals who are making investment decisions. Assessing the performance of stocks, bonds, and other types of investments, they work in banks, pension funds, insurance companies, and other businesses. Some of the most common roles for CFA charter holders include:

Portfolio manager: Portfolio managers are in charge of a fund or group of funds, working with analysts, researchers, and clients to stay current on the markets.

Research analyst: Research analysts review data and market movements to make future predictions.

Risk manager: Risk managers help their company anticipate changes and avoid potential financial pitfalls.

Financial advisor: Financial advisors typically help clients with investments, tax laws, and insurance product selection decisions.

What is a CFA Charter holder?

CFA Institute has a global network of over 135,000 investment professionals and numerous societies around the world. The CFA charter is recognized by regulators, universities, and certification programs in at least 30 countries and territories. You’ll gain unmatched career resources and relationships by holding the charter and joining a CFA Society, as well as access to jobs around the world that require a CFA charter or candidacy.

The requirements for becoming a CFA charterholder are as follows:

Achieve the required work and/or educational experience. Before registering for Level I of the CFA exam, you need to have completed a bachelor’s degree, be in your final year of a bachelor’s degree, or have 4,000 hours years of combined work experience and/or undergraduate education.

Take the exams. Although passing even just Level I of the CFA exam is an impressive addition to your resume, you need to pass all three in order to become a CFA charter holder.

Submit reference letters. Submit two to three professional reference letters (two if one is an active member of the local CFA society to which you’re applying, three if not).

Have a valid international passport and live in a participating country.

Complete your application to become a CFA charter holder. The CFA charter holder application requires that you have qualifying work experience in addition to your professional references.

What is the CFA Exam?

The CFA exam is made up of three levels, each designed to test your knowledge of different investment tools and skills. You should expect to spend approximately 300 hours studying for each level. Candidates typically take between 4 and 5 years to pass all three levels of the CFA exam.

CFA Exam Topics

The Learning Outcome Statements (LOS) and core concepts on the CFA exams are built from the Candidate Body of Knowledge™, which is developed by CFA Institute. While the curriculum is updated every exam cycle, all three levels of the CFA exam focus on the same 10 topic areas. Exam weights vary by level and can change slightly from year-to-year. The following topic areas are covered:

Ethical and Professional Standards

Quantitative Methods

Economics

Financial Reporting and Analysis

Corporate Finance

Equity Investments

Fixed Income

Derivatives

Alternative Investments

Portfolio Management

What is the CFA Level I exam?

The CFA Level I exam is a computer-based, multiple-choice test that will take you approximately 4.5 hours to complete (broken into two 2.25-hour sections with an optional break in between). There are 180 total questions, all of which are free-standing. There is no penalty for incorrect answers, so try to answer as many questions as you can.

Keep in mind that you must meet certain qualifications in order to take the CFA Level I exam.

What is the CFA Level II exam?

The CFA Level II exam is similar to Level I in administration method and timing, but the 88 multiple-choice questions on this exam are vignette-based, not free-standing. You’ll be given case items to read, each followed by 4–6 related multiple-choice questions.

You can register for Level II of the CFA exam once you pass Level I.

What is the CFA Level III exam?

The CFA Level III exam is also a computer-based, 4.5-hour exam, but the format is significantly different from Levels I and II. You’ll begin Level III by answering 8–11 essay questions, the prompts for which will all be based on vignettes. Section 2 of the Level III exam consists of 44 vignette-based, multiple-choice questions.

CFA Exam Pass Rates and Exam Results

Everyone who takes a CFA exam is provided with a “pass” or “did not pass” exam result and a summary of performance in each topic area. Level I and II results are released within 60 days of the exam date and Level III within 90 days.

The CFA exams are notorious for their difficulty. The exam pass rates for the June 2019 CFA exam were:

Level I: 41%

Level II: 44%

Level III: 56%

The pass rate for the December 2019 Level I exam was 42%.

To pass, a candidate needs to meet the minimum passing score (MPS), which is never given and varies year-to-year. Candidates will receive an indicator of the score range for each topic area instead (<50%, 51–70%, >70%), along with their final result. Level III candidates are provided with only two topic area summaries: one reflecting the essay portion and one reflecting the item set portion.

Individuals who do not pass the exam are also given more information about their performance relative to all other candidates who did not pass. All candidates who did not pass are divided into 10 equal score bands, which shows how well an individual score compares with the overall scores of others who did not pass.

Charter vs. Certification

In the finance industry, there are a number of certifications, such as Certified Public Accountant (CPA), CERTIFIED FINANCIAL PLANNER ™ (CFP® ), and the Financial Risk Manager (FRM®) certification. The difference between charter and certification, especially in the US, is not very distinct. In forum discussions, the consensus is that a charter gives its holder the right to do something, such as use a mark to demonstrate proficiency. A certification is simply proof that you have the skills or have completed specific education to do a specific task.

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