#also no for the last time we will not PAY TO REMODEL YOUR MILLION DOLLAR HOME GLADYS

[infinityactual]

If this day gets any more fucked I'm going to be the world's first one-person China Syndrome.

#planetary core better roll out the red carpet cos oh LAWD i comin #had to set up the work pc from scratch #AFTER i specifically asked if I needed to and was told no #had to fuck with screen sizing #then fight with IT to get them to delete some caches #then my.calls were just fucking WEIRD #like IM SORRY I DONT KNOW WHO MARK IS OR WHY HE SAID I CAN SEND U A LINK #IM JUST A GLORIFIED SECRETARY I CANT DO SHITE #also no for the last time we will not PAY TO REMODEL YOUR MILLION DOLLAR HOME GLADYS #and my car ate my earring #like I TOOK THE SEAT OUT in the Michael's parking lot and that bitch G O N E #and it's stainless so magnets are out of the question #-lays facedown and screams-

[mothervault4]

Most Reliable Central Air Conditioning Systems for Dummies

How many SEERs do I need to have for 2,000 square feet? 1.25 Million. 3.65 Million. Thus you would need to produce your SEER's worth of 4 million dollars per unit to be worth even more than 4 million, at that point, how lots of SEers does it take to rent out in to your living area? How many systems do you look at worth a family living space? Thus you're going to need to have 3,600,000 straight feets of living area. An ordinary 2,000-square-foot home are going to need a 3.5-ton air conditioner depending on a handful of variables such as the number and premium of home windows and the R-value of its insulation. Other factors consisting of heating system system requirements might alter over time and it's not sure how the normal property will certainly be gotten after it's created. It's not impossible that people will certainly move to brand new property within a few years. Modern-day SEER scores for core air conditioners vary from 13 SEER to approximately 25. In add-on to their integrity, central air hair conditioners can give an attractive economic overview. That is because they can easily offer an extra $600 per unit as a company coming from a fixed rate lease. The core air hair conditioner market is particularly valued along with reduced fuel prices, with its $1.70 in fuel purchases and low total price. Lower SEER rated tools is priced less but costs even more on your power bill than a higher SEER ranked item. You may use your lower SEER ranked equipment to lower your exhausts. When buying a lower rated devices, you will definitely view even more performance, lower expense, and lower energy expense as well as lessen or also get rid of exhausts. B. Best Quality: Our regular devices and a wide selection of products are checked for the functionality and high quality of its parts. How much does an sky hair conditioner cost for a 2,500 square-foot residence? In this study, we reviewed the value of an original roof with a redesign task to the rent of a modern-day makeover (RRP) in your area. It turns out that an average remodelling project takes around $6,000 in expenses from the developer to deal with the rentals. Thus, how a lot carries out an budget friendly RRP for a 3,000 square-foot home expense when you go to develop residence remodelling?

How long do AC units final? 1-4 years. 3 years. 4 years. How several AC units are there certainly for? All units currently specified are currently accessible coming from a single system vendor who offers them to one customer. The customer is responsible for the market value and time that will be shed if these devices maynot be updated to much higher capability systems. AC is the only style of AC equipment put up in the UK, and is required to be mounted within 10 years of the 1st setup. An air hair conditioner can last up to 30 years if you’re ready to possess some repair service job done after about 15 years. This has actually to be carried out in a way that makes certain all the important repair work are carried out with necessary devices, also at a cost array. In the scenario of a fixing, you are at an increased threat. Some firms might ask you to pay out numerous opportunities more every job time. With proper routine maintenance and low repair services, an AC system can generally offer all around 20 years of reliable service. When it comes to security, electric batteries are one of the very most crucial elements of this unit and can easily even play a big role in managing the degree of a transformer, therefore impacting the voltage in your unit. Consequently, electric battery systems need to be furnished along with high voltage (HF) current devices which improve its potential for gear box reduction to the energy supply circuit. What is the very most reliable air conditioning brand name? When speaking regarding how much protection a singular air hair conditioner price, the answer is a great deal! If you possessed to choose one company, whether it is at less cost or the right cost for the problem at palm, and you would be ideal, chances are pretty good that the very most reliable sky hair conditioner would be the one that you pick in this team. There are actually some brands of sky hair conditioners that can claim SEER ratings along with varieties in the higher twenties. I will take these values from you and provide them to you as you satisfy in no uncertain terms. A couple of caution: You maynot make use of the SEER to figure out your personal electricity needs. The SEER is a real-time information generator, not simply some variety of "acquire through" system. This is a huge caution that's worth keeping in mind. Those devices are commonly incredibly highly-priced for what you get. Those systems offer a practical gain on assets. As you can easily view beneath, this suggests the first thing the brand-new consumer is talking to here is: Will certainly I be eligible for a refund of the cost of the first-choice product. If it is, yes, the client is qualified. Permit me respond to with an up frontal claim like "this is not a reimbursement straight right now and will definitely be assessed and affirmed as soon as possible". For Try This , a body along with SEER scores in the low- to mid-twenties is looked at quite efficient. SEER rating, through its attributes, is not an exact solution of functionality, and it is probably to have various other unfavorable effects. Although this document provides a rundown of SEER rankings worldwide, there is actually substantial uncertainty as to the true level of SEER rankings worldwide. However, it is essential to keep in mind that several other forms of SEER efficiency are likewise not exact. Of the labels that we’ve assessed, Carrier supplies the largest collection of extremely effective products. We presume our body enables us to provide on these dedications.". In June 2015, Trump signed an executive order carrying out the travel restriction, but that purchase was shut out by the court who controlled versus the team. The Trump management, through now battling to acquire any type of company to conform, has vowed to allure the situation. Associated Stories: Checked out or Share this tale: http://usat.

#ac repair Spanish Fort #Spanish Fort air conditioning service #air conditioning repair Spanish Fort

[allandoflimbo]

Take It Back (Chapter 34)

Finally. ‘Last’ chapter. Also up on my AO3. 

Pairing: Bucky Barnes x Female Reader

Summary:  About five years ago, a one night stand with Y/N tore Bucky’s life apart. It was also the night before his wedding. Now he’s married to her sister and she needs a place to stay.

Take It Back Full Masterpage |

Five years ago

“Yeah, no problem, I missed this little boy.” Bucky says in an adorable baby voice as he squeezes the little baby’s nose, “Oh my god, you are so cute.”

The baby grabs Bucky’s pointer finger with his tiny hand and your heart melts instantly.

Your heart flutters and you recognize the emotion that follows that flutter - fear.

That’s what you feel because once it hits you what it was that was happening, you realized you were eternally and completely fucked.

Bucky’s eyes flicker up to meet yours and they burn in ablaze. Neither of you are smiling as you look at each other, the little baby still holding onto his finger like he didn’t want to let go.

You quickly look away, doubting every emotion coursing through you.

It couldn’t be.

Your head is a swirl and you’re seeing tunnel vision as you feel yourself slowly start to step back from the scene in front of you.

But it was too late.

Your eyes flickered up the second you felt the heat of his presence right in front of you.

Suddenly, something seemed to have shifted into something even deeper, the second your eyes met.

Bucky was holding the baby tenderly in his arms, but his eyes seemed to have been calling out for you.

A weird feeling of came over you.

Presque vu.

Bucky seemed to have been feeling the same because he probably looked just as intense as you felt.

“Do you want to hold him?” He whispered, looking down at the little boy.

Your chest felt tight and you should have said no.

Instead, you nodded slowly.

Bucky maneuvered his arms into an embrace where he could pass the baby safely into your own arms.

Your eyes caught during the slow exchange and you diverted your gaze back to the boy, not being able to bear that heat in your face and your fucking heart.

“Just like that,” Bucky said softly.

The baby cooed.

You couldn’t help it, you giggled.

Bucky smiled a little at both sounds, and he softly touched the top of the baby’s head.

He looked up at you and your eyes met…

again.

__

4 months later (from present time)

The setting sun shined down on the west village.

The sky was turning from an intense pink and purple hue to dark blue.

You looked up towards the clouds and sighed.

You had just enough time to take the last few things inside before it was too dark.

You grunted, lifting a brown box that read ‘Books’ in black sloppy writing on the side out of the truck.

You took it with you up the steps of the beautiful brownstone.

The trees, that lined the quiet street, had an amber glow from the almost-gone sun as it peeked in through their changing leaves.

Reds, oranges, browns, and yellows.

You let the soft breeze flow against your face and you smiled.

The last four months had been the best you had experienced in a very long time.

For the first time in what felt like forever, everything seemed to finally be right in the world again.

You were able to keep your job at the bakery, even though you hardly kept touch with your sister - mutual respect still present - you had heard through Steve that she was doing fine.

She had picked up an office job for an online newsletter at the trade center and went back to school to study editing.

Something low profile.

Bucky’s company donated a quarter of a million dollars to a charity for National Alliance on Mental Illness and also to Wounded Warriors.

Wanda and Nat were occasionally still around, sometimes meeting you and Bucky for lunch at your little hangout spots on the east side.

Everyone who had been involved in the fiasco had built a sense of trust around each other, and it was all any of you needed, regardless of what any bullshit tabloid said.

No. This was real life.

And then, there was you and Bucky and your private love life…

You backed into the ajar doorway with your butt, spinning around quickly back towards it to hold the door with your foot so it didn’t hit the wall behind it.

Shutting your eyes briefly, you let out a long deep breath at the close call.

You haven’t even lived there a day yet and you didn’t want to start by leaving a dent in your brand new wall.

With a soft smile, you turned and continued your way down the gorgeous foyer, past the wooden stairs, and into the living room through the archway.

All the walls were white and the wooden floor was a golden brown.

New. Fresh.

From the large window looking out into the street, the dim light from the setting sun created a peaceful halo that gleamed off the floor and directly into your eyes.

You placed the box next to the ones you had already brought in before and then looked around.

It was still pretty much empty without any of the furniture in place.

The couch hadn’t come in yet.

All that was available was the floor, the walls, and the tv on top of the remodeled very-white working chimney.

You walked up to it, letting your fingers trail slightly over the white detailing of the crown molding that surrounded it.

You didn’t want anything too fancy, and neither did Bucky. This chimney was probably the grandest thing in the home.

You took a deep breath as a car drove down the street and as your sneakers squeaked against the floor.

After Bucky had asked you to move in with him, it wasn’t surprising. Nobody expected any less.

Even Steve helped pack your things out of his place and into yours and Bucky’s’.

It was all so strange and surreal.

Bucky had wanted to stay on the island, not Brooklyn or upstate, but he insisted he would keep the house out in Montauk for your summer activities.

You had argued with him to find something at least affordable because you wanted to be paying half the rent.

He had just looked at you like you had two heads and continued skimming through apartments, price filters untouched.

It took a bit of time, but the second both of your eyes landed on it, you just knew it was the home for you.

It was a brownstone; two bathrooms (one master), three bedrooms, all in the heart of west village.

It was newly remodeled and on a quiet street, perfect for riding your bike or walking a dog if you ever wanted one.

You wonder how Pebbles would feel about another companion, not Brodi.

Around the corner, there were great restaurants, something you couldn’t pass up.

You took in a deep breath and closed your eyes tightly together as you thought of what else the future possibly had in store for you.

You had barely taken in the feel of your new home in serenity when you felt a chin on the back of your shoulder, followed by a groan.

You smiled.

Shit. How couldn’t you?

Next, you felt strong hands on your upper waist and a chuckle against your shoulder.

It rumbled up his chest and you felt it against your back.

You stretched your hands out on either side of you to bring his arms from your sides to across your front. You leaned back against him, letting the back of your head lay on his hard chest.

Your eyes looked over at the window. It was getting even darker.

It was so peaceful. Deserving.

“This is amazing. Just you, me, here like this.” You said softly.

He sighed and made a sound in agreement.

“You’re amazing,” he whispered, “maybe we can just stay like this forever?”

You giggled.

“Well, we would have to go to the bathroom, sometime.”

He scoffed.

“Bathrooms are for pansies.” Bucky retaliated.

“Also, an essential to life.”

“You’re essential to life,” Bucky tilted his head down and kissed your shoulder. He tightened his arms around you, “mylife.”

You took in a deep breath and closed your eyes.

Was this even real?

“We’re so cheesy sometimes, don’t you think?” You ask.

He doesn’t take longer than a blink to answer.

“No. We’re in love.”

You sighed contently, holding him tighter against you.

Eventually, you both began to just sway, holding each other, looking out into the street.

You were caught off guard when he unraveled his arms from around you, grabbed you by the hip and turned you around to face him.

You were suddenly so cold, his embrace having been so cozy and tight.

Your face fell at the look he had.

He was staring down at you, face hard and unreadable.

“What is it?” You asked, slightly afraid.

“Nothing, I just can’t get over how pretty you are.” He said seriously.

You chuckled, your chest feeling light again.

How did he always do that?

Your eyes darted to the still-open doorway and then to the light fixture above the both of you.

A chandelier, but beautiful and delicate.

“We should close the door, it’s getting late.”

“No,” he says, “I like it like this.”

“Bucky,” you moaned as he leaned into you and peppered kisses from your jawline to the crook of your neck, “Bucky...”

He didn’t say anything as he continued down your body.

Your hands gripped his hair as you guided his body down yours. He continued kissing you down until he eventually stopped and was on the floor in front of you.

You gulped as you watched him lean forward, leaving a kiss on your inner thigh.

You’re remembered of that day in Montauk and you wonder in the back of your mind if he was really going to do this with the entire house open.

You felt his lips on your hot skin and you moaned at the feeling.

But that was short-lived as he pulled away leaned his forehead there.

You tilted your head and ran your hands up his hair.

“Bucky?”

He shushed you.

“I don’t think you realize what you do to me, what you do to my heart,” his blue eyes looked up at you, almost pained. There was so much emotion in them that your heart skipped a beat. You wanted to comfort him, “from the moment I laid my eyes on you, I just couldn’t shake your presence. I could never shake you. And you drove me insane,” you smiled at the distant memories, “you hated me and I wanted to change that so bad—“

You sighed.

“I didn’t hate you, I just had doubts.”

He shook his head.

“Whatever it was, I’m just glad that was short-lived. Because then you became my friend, then my best friend,” he kissed your thigh again, but still looked up at you, “my best girl. I fell in love with you and I wanted you to be more than my best friend.”

Your heart was in your throat as you continued to touch his hair, “What did you want?” You whispered.

“For you to be my girlfriend, my lover.”

You broke out in another soft smile.

“I’m all those things now. We made it.”

Bucky’s gaze dropped as he kissed your skin more time.

“I still want more,” your brows came together in confusion. You couldn’t tell if what he was saying was good anymore. His voice was distant as he continued to talk, “I want to do so much more with you. I want to build memories in our home. I want you in my arms every morning and every night. I want to make love to you on every surface of this house. I want to make sure you know how much I love you. I want to have a family with you in this home, where we can have all our little tiny babies. I want you to be the mother of my babies,” you felt your throat tighten as his words, your tears begging to spill. Bucky continued to lean his forehead on your thigh.

“But I still want so much more.”

You watched stunned as he leaned back on his toes until his one knee was on the ground.

You watched as he dug around in his back pocket.

You were certain now that your heart was in your ears as you watched him pull out the little black velvet box in front of you.

You met his eyes.

He looked so raw and sincere that you wanted to cry out for him, but you were shaken.

You couldn’t move.

“You’re my best friend, my sweetheart, my absolute sweetheart,” his voice trembled.

You felt your eyes swell up with hot tears at the sound of the little box clicking open.

You get the image of little eight years old you, imagining this moment to happen one day.

And here it was, and you felt like crying.

“Will you be my wife?” He asks you, not missing one beat.

Your hands shook as they sneaked around to hold his hand.

He was shaking just as much as you.

“Bucky—“ you cried.

He cut you off, quickly.

“Y/N, will you marry me?”

Your tummy exploded into a pool of butterflies as you gripped his hand.

You couldn’t see anymore as hot tears clouded your vision.

You quickly nodded your head, gripping his hand tighter.

“Yes, yes.” You answered through tears and a big smile.

Bucky’s face broke out into a gorgeous and bright grin as he slid the diamond ring onto your finger.

When he was up on his two feet, you quickly wrapped your arms around his neck and continued to chant yes as he spun you around, chuckling into the crook of your neck.

When he pulled away, he stared down at you with a smile that you would never forget.

He grabbed the sides of your face.

“We’re really doing this.”

You chuckled, a few tears running down your cheeks as you do so.

“We’re getting married.”

Bucky answered your question with a soft kiss.

And then another.

You had everything you needed, right there in your arms.

_

@wxntersoldxer16 @void-imaginations @heykarsyn@avashroom@sarcastic-and-cool @lunaticbarnes @benhardygalileo@wildmavs@runaway-escape @stevieboyharrington@kimvmarvel@chipilerendi @hardygal69  

#bucky x reader #bucky barnes x reader #bucky barnes fanfiction #bucky barnes smut #bucky barnes #mcu fanfic #marvel fanfiction

[keanureevesisbae]

“The road to our forever” - Chapter 2

Summary: John and Darcie are planning their wedding, but it comes with certain ups and downs.

John Wick x OFC Darcie

Word count: 2k

Warnings: Mentions of period

Masterlist // Previous chapter 

Darcie has always been pretty discreet about her period. Sure, John knew when it was that time of the month again and he comforted her when needed. He would go to the store to buy her pads and chocolate, but he never saw actual blood. Her used pads were always neatly put away and she never bled through during the night.

Until today.

John wakes up, with a wet feeling near his crotch. His cheeks already burn with embarrassment. Did he really turn into a teenage boy again, simply because Darcie’s ass rubbed him in that area during the night when he spooned her?

However, when he looks down, he notices the bright red color. Since he was spooning Darcie like he usually does, he sees the red spot on her pajama short and the bed and the sheets.

‘Sweetheart,’ he whispers, nudging her awake.

She blinks and looks up, her eyes a little puffy, just like her cheeks. God, John loves her so much. ‘What?’

‘You got your period.’

Within a millisecond, Darcie is wide awake. ‘Oh no, oh no,’ she mutters. ‘Oh shit, the entire bed is di— No, John, I got it on you too. I’m so sorry.’ She’s already out of bed, but she presses her hand against her lower abdomen. Her other hand, she places on the mattress, as she winces a little.

‘Sweetheart, it’s okay,’ John says, getting out of bed as well.

‘No, this is fucking disgusting.’

‘It’s just a bit of blood. Darcie, you’re talking to me. I have seen my fair share of blood.’

She doesn’t laugh, instead she looks up with annoyance in her eyes. ‘John, this came out of my vagina.’

‘So?’ John can’t help but laugh. ‘Really, I don’t care. How about you hop in the shower and I put the sheets and our underwear in the washer. I recently saw that it has a special program for blood stains.’

‘No, I’ll do it,’ Darcie says, being the stubborn woman she can be sometimes. ‘This is my blood, my thing… I’ve got it.’

This is weird, John thinks to himself. She gets pretty stubborn from time to time, insisting to do things by herself, he knows and adores that about her, but seeing her slightly panicked, tears building in her eyes… John walks up to her and holds her shoulders in his hands. ‘What’s wrong?’ he asks. ‘It’s honestly not that bad and you are kind of overreacting.’

She wiggles herself out of John’s hands and starts to take off the sheets, and the sheet underneath the first one. He hears her sigh and finally she says: ‘One time, Eric bought himself a new bed. The first night we slept in it, I got my period too. He was furious when he discovered it. He kept telling me how I should pay for a new mattress, since it was my blood.’

John’s blood start to boil. He hates Eric and every single thing that bastard has ever done to Darcie. Five whole years she spend with him and sometimes John can still see the aftermath of Eric’s mistreatment. It’s not something that she deserves and it makes him extra determent to take even better care of her. To show her that she is worth it to be loved to pieces.

‘So, I’d like to keep that part for myself,’ she says. ‘The fact that you already buy pads for me without feeling embarrassed or that you give me extra massages, feels too much already. I haven’t bled through in years. Not since that Eric accident. I can’t believe this happened and I’m going to clean it up.’

‘Sweetheart,’ John says. ‘I’m going to be your husband. What I said before, I have seen my fair share of blood, so this doesn’t faze me at all. It’s part of life, it’s totally natural and I love you, no matter how much you bleed on me.’

Darcie has tears in her eyes and finally they slide over her red cheek. He wraps her up in a tight hug. ‘I think I stained the mattress too,’ she whispers against his chest.

‘I don’t mind,’ he says. ‘I’ll clean it up, you go under the shower.’

After John cleaned it all up, he hears that Darcie is still in the shower. Since it was pretty early on in the morning and the dogs are still asleep, he decides that he should join her.

She stares to the wall, but doesn’t jump up when he joins her. He wraps his arms around her from behind and peppers the left side of her face with kisses. ‘This is the last thing you should beat yourself up about,’ John whispers. ‘It’s all taken care of.’

‘I know,’ she confesses. ‘I was just a bit panicked. Thought you might get mad.’

‘Have I ever gotten mad at you?’

Darcie turns around so she can face him. ‘Never actually, but I have been mad at you two times.’

‘When?’

‘When I found out about your true job,’ she says and that hurts John a little, since he just wants to forget that part of their relationship.

‘Right,’ John mumbles. ‘I totally get that you got mad, but it still stings when I think about it.’

Darcie kisses his bearded jaw. ‘And of course when you gotten really protective over me when we were out for diner, when in reality, it was my old neighbor, married with three kids, who just came out to say hi to me.’ She chuckles. ‘It was kind of funny come to think of it, but I was really pissed.’

John blushes. ‘Sorry sweetheart,’ he chuckles.

She clears her throat. ‘John, why are you never mad at me? I must do things that annoy the shit out of you.’

John shakes his head. ‘You don’t,’ he says.

‘Oh come on.’ Darcie slaps him across his bare chest. ‘There are plenty of things I do that annoy you.’

‘There is just one thing,’ John says, taking her face between his hands, ‘and that is how hard you are on yourself. But I know that getting mad at you for that will not help. Besides, I have been angry and mad at the world for too long now. I’d rather stay calm, especially with you.’

‘Leave it up to you to make this al poetic and romantic,’ Darcie says, causing John to laugh. She stands on her tippy toes and gives him a kiss. ‘Thank you for being you, John. You have no idea how much that means to me.’

⟢⟡⟣

John haven’t stopped looking for houses, ever since Darcie mentioned it. He loves their apartment, but she is right. When they have a kid, they definitely need more space, especially since John knows he is going to spoil them to death by buying them all sorts of stuff that they probably won’t even need. They need a fresh start with a new place.

John wants the house to be close to her cafe. If moving into his house in Mill Neck wasn’t already off the table, it is now. Though he can’t live with her there, he can’t sell the house. He is barely there, he knows that, but giving that house up, is giving Helen up.

He knows that Helen wants him to be happy and he bet she is looking down on him and is happy. It’s what she wanted, she told him herself. He should go out and find someone else, someone who would make him happy. There is not only one soulmate in the world for you. John always thought that wasn’t true, but then he met Darcie.

He sits behind his laptop at his own table at the cafe. Usually he likes it when Greg, Roger and Tina (and occasionally Ellie) are there, but today he is happy that he is just here by himself. He truly loves it to talk to them, but since he can’t say no to them, he would probably be talking to them now, instead of looking for a house.

John stares at the screen. While money isn’t the problem for them, he knows that she’ll make a big deal out of it, but also: she doesn’t have the time and energy (and concentration for that matter) to go look for houses. He needs to think about how he is going to do this.

He scrolls through the website and keeps looking for houses. He finally starts to use some filters, so he isn’t looking at gorgeous penthouses. He clicks on townhouses and this the type of place he wants to look at for them.

Finally John stumbles across one that’s on sale for forty million dollars, but that isn’t the reason he stops mid scroll. He checks out the pictures and realizes that this might be the most perfect house for them.

What if he would check it out? He could take the dogs back to the apartment and check it out. From the looks of it, it seems like Darcie is going to be pretty busy for awhile. He stands up, shoves the laptop in his bag and because he is all of the sudden on the move, the dogs look up and wag their tails.  

Darcie notices it too, because she walks up to him and asks: ‘You’re leaving?’

‘Yeah, but I’ll be here to pick you up.’ He gives her a long kiss on her lips and smiles when he lets her go. Though she has no idea what he is up to, he can’t wait to tell her. ‘I love you a lot.’

‘Love you too,’ she says with a smile. ‘Later, sweetheart.’ She gives the dog a kiss on top of their heads.

He rushes out of the cafe with Oreo and Tiki and he drives them home. After that, he calls the realtor and asks if he can have a look at that house.

John parks in front of the townhouse and when he gets out, the realtor gets out of the door. It already looks better than it did on the site. Is John really going to do this? Is he really going to check out a house for them to move in?

‘Mister Wick?’ the realtor asks. He introduces himself as Harry and he shows him the house. To put it simply, it’s beautiful. Very off white, but he knows that Darcie will make this place feel like a home, by adding a lot of pink details and accessories.

It has seven bedrooms and ten bathrooms. Now he knows that they’ll never use that much space, they can always remodel. It even has an indoor pool and John can already see the joy on not only their faces when they splash around in it, but also when they have kids. He can already see a lot happening here with their kids.

The kitchen is twice as large as the one in the apartment and he knows that once they have kids, he’ll make breakfast for them. He likes it that Darcie is seated on the counter, but there is room for at least five kids on there as well.

‘But this,’ Harry says, ‘is the best part.’

He opens the door and John is met by a huge roof terrace. Though it’s a little plain, he knows the wonders Darcie can do. She already did it with her balcony, imagine what she can do here.

He walks to the edge of the terrace. The view is spectacular and when he looks up, he can see him, Darcie and their kids looking at the sky on a warm summer night.

This is it. This is the place he wants to move in. This is the place he wants to grow old. Where he wants to start his new life.

With Darcie.

Taglist: @toomanystoriessolittletime​ / @flhorah​ / @allie1804-fan​ / @cynic-spirit​ / @raven-black102​

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[orbemnews]

He might maintain the successful ticket in tech and Silicon Valley is aware of it The recipient of all these billions is Jio Platforms, a part of Ambani’s sprawling conglomerate Reliance Industries. Jio began as a cell community in 2016. Since then it has amassed round 400 million customers and launched a streaming service, a video conferencing app, a fiber broadband community and digital funds. Its super-cheap knowledge has helped carry a whole lot of hundreds of thousands of Indians on-line for the primary time. When Ambani launched Jio, India had fewer than 350 million web customers. Now, it has 750 million. Jio has turn into the gateway to India’s web, and Ambani holds the keys. “Numerous this variation, particularly by way of bringing individuals on-line, has occurred on the again of the constructive disruption that Jio triggered,” Ajit Mohan, Fb’s vp and managing director in India, advised CNN Enterprise. “Jio has been the hero in that story by way of offering that entry, and I feel that units the context for our funding and Jio and our partnership, as a result of… we noticed alignment of the imaginative and prescient.” Ambani’s imaginative and prescient retains getting greater. After elevating greater than $20 billion for Jio Platforms, Reliance went courting buyers for its retail enterprise. Between late September and early November, Reliance Retail raised round $6.4 billion, a lot of it coming from Jio buyers together with Silver Lake, Common Atlantic, TPG in addition to the sovereign wealth fund of Saudi Arabia. Ambani’s retail chain is the most important in India, with greater than 12,000 shops. And he has made no secret of his ambitions to mix his retail and tech empires to tackle two large US gamers. Amazon (AMZN) and Walmart’s (WMT) Flipkart dominate on-line procuring in India, controlling greater than 60% of the market between them. Ambani is making an aggressive play for a slice. He is doing that with JioMart, an initiative introduced in 2019 to carry on-line 1000’s of India’s mom-and-pop shops often called “kiranas.” And Reliance Retail not too long ago acquired one among its greatest Indian rivals, Future Retail, for $3.3 billion — a deal that has kicked off a protracted and sophisticated authorized battle with Amazon. Whilst he digests all of that, India’s richest man is already trying to the following large factor — bringing 5G to India within the second half of 2021. “It is going to be powered by an indigenous developed community, {hardware}, and know-how parts,” Ambani advised a digital viewers on the India Cellular Congress in November, in a potential nod to requires China’s Huawei to be excluded from constructing the nation’s 5G community. Any a kind of plans by itself can be an enormous enterprise and executing all of them collectively is a big ask even for one of many world’s high billionaires. His ambition is to essentially rework the best way greater than a billion individuals talk, do enterprise and make purchases. And the last word aim is to achieve billions extra. “We’re creating compelling homegrown options in training, well being care, agriculture, infrastructure, monetary companies and new commerce,” Ambani stated in his speech. “Every of those options, as soon as confirmed in India, will probably be supplied to the remainder of the world to handle world challenges.” Geography vs Expertise However the billionaire, who’s reportedly trying to take Jio public in america, might discover it difficult to parlay the corporate’s meteoric rise in India into success on the worldwide stage. “Reliance doesn’t have anyone space the place it has a technological edge and superiority like say Google’s search, Fb’s portfolio of social networks, Amazon’s e-commerce engine, Alibaba’s mixture of strengths in e-commerce and funds or Tencent’s tremendous app,” stated Ravi Shankar Chaturvedi, analysis director on the Institute for Enterprise within the International Context at Tufts College’s Fletcher Faculty. Relatively, Jio’s dominance has been largely geographical, helped by a regulatory regime that helps homegrown gamers. “One can be onerous pressed to give you a significant record of technological improvements and IP that Jio created that could possibly be the idea for its enlargement overseas,” Chaturvedi added. India is, after all, a large prize in itself that Jio has largely already captured. The nation’s on-line inhabitants of 750 million — second solely to China, which has shut out US corporations for many years — is the most important draw for world tech. Fb, Google, Amazon, Netflix (NFLX) and Uber (UBER), to call just a few, have already spent a number of years and billions of {dollars} to crack open the market. “For Silicon Valley, the Indian market alone is larger than the 5 subsequent greatest shopper markets — by inhabitants — on the planet mixed,” stated Chaturvedi. The place China has its “Nice Firewall” of on-line censorship that retains out US tech corporations en masse, Ambani has succeeded in making a “Nice Indian Paywall” that runs by means of Jio, Chaturvedi argues. International tech companies have been pressured to navigate a sequence of regulatory hurdles from an Indian authorities that has proven a higher willingness to clamp down on overseas gamers — whether or not blocking Fb’s efforts to offer free web, altering how corporations can retailer and gather knowledge or, extra not too long ago, shutting out Chinese language tech corporations over a border dispute. Ambani has been the most important beneficiary of lots of these laws, and the billionaire has been a vocal champion of Indian Prime Minister Narendra Modi and his marketing campaign for a “self-reliant” India. Just a few cracks — albeit small ones — have began to seem in Ambani’s dominance. Barely a day into 2021, the Securities and Trade Board of India ordered Reliance Industries and Ambani to pay a $5.5 million wonderful over what the regulator described as a “fraudulent and manipulative buying and selling scheme” over a former subsidiary in 2007. However that is unlikely to dent his tech ambitions. Ambani, who declined a number of requests to be interviewed for this text, is used to creating audacious bets and having them repay — often with huge sources at his disposal and a good political wind at his again. “In spite of everything he is India’s richest man, he has due to this fact the deepest pockets on this nation,” stated Paranjoy Guha Thakurta, journalist and co-author of Gasoline Wars: Crony Capitalism and the Ambanis. “I can say with none threat of contradiction that he has been supported by a positive political dispensation and a regulatory regime,” he added. From Oil to Jio The company empire that Ambani presides over in the present day appears to be like somewhat completely different to the one he inherited. His father, Dhirubhai, began a small yarn buying and selling agency in Mumbai in 1957 that he subsequently spun right into a thriving textile enterprise. Over many years, it grew into the sprawling conglomerate Reliance Industries spanning power, petrochemicals and telecommunications. Dhirubhai’s loss of life in 2002 kicked off an acrimonious succession battle that cut up the enterprise in two. Mukesh Ambani in the end took over the corporate’s predominant oil and petrochemicals belongings, whereas his youthful brother Anil assumed management of the newer ventures, together with telecom and digital companies. Then, in September 2016, Mukesh Ambani stormed onto his brother’s turf with a proposal that blew the lid off India’s telecom and web development. Jio gave each new buyer six months of free 4G web and Indians signed up by the hundreds of thousands, triggering a brutal value conflict. “You lure your customers by giving one thing free, and as soon as they have hooked onto it, you steadily begin growing the costs,” Thakurta stated. “It is the traditional approach all types of monopolies work throughout the globe.” One of many main casualties of the value conflict was Anil Ambani. His Reliance Communications firm introduced in late 2017 that it will promote most of its belongings and exit the cell enterprise. Two days later, Jio acquired Reliance Communications. And two years later, the elder Ambani underscored the divergence within the brothers’ fortunes by serving to repay an $80 million debt to Ericsson (ERIC), retaining Anil out of jail. Jio’s meteoric rise has helped offset a few of the volatility in oil that value Ambani billions final yr and arrange Reliance for a future that is additional faraway from its core enterprise. In actual fact, an organization spokesperson beforehand advised CNN Enterprise that the title Jio — which suggests “to dwell” in Hindi — was chosen partly as a result of it is a mirror picture of the world “oiL.” The daring try to remodel his $170 billion conglomerate faces a large check in 2021 as the Indian financial system recovers from its first recession in practically 1 / 4 of a century. Like different tech corporations world wide, Jio has strengthened throughout the pandemic, however the query is whether or not it may well proceed to develop quick sufficient for the corporate to meaningfully transition away from oil. Ambani charted his course years in the past. “Information is the brand new oil,” he stated in 2017, simply six months into his marketing campaign to disrupt India’s tech panorama. India first, then the world For American tech giants, having an enormous homegrown participant in your nook typically makes life simpler abroad, and Jio is by far the most important in India. “Why did Fb, why did Google…put of their cash in Jio at a time when the world financial system is in a large number, the Indian financial system is in recession, why would they do it? Clearly as a result of there may be greater than an financial angle,” stated Thakurta. “It is also I imagine, not directly… a political insurance coverage of kinds.” Mohan, Fb’s India head, denied that authorities regulation was a part of the dialog. “That did not have something to do with our funding in Jio or the partnership,” he stated. “It actually did come from recognizing that this was a particular firm that had finished fairly superb work in reworking the digital infrastructure of India in a brief time frame.” From Ambani’s perspective, a wide-ranging coalition of a few of the greatest names in tech is only a solution to additional Jio’s command over all facets of India’s web. The corporate already controls a lion’s share of the pipes by means of its huge cell community. By means of Fb, it’s working to combine JioMart with WhatsApp, the one platform in India with a person base akin to Jio’s. With Google, it is gunning for management of cell gadgets by collectively creating an “entry stage, inexpensive smartphone” for India’s big center class. And it is even acquired a watch on the chip know-how that underpins these networks and gadgets by means of companions reminiscent of Qualcomm. “As digitization of the Indian financial system and Indian society picks up velocity, the demand for digital {hardware} will develop enormously. We can’t depend on large-scale imports,” Ambani stated final month. “I clearly foresee India changing into a significant hub for a state-of-the-art semiconductor business.” Qualcomm, a longtime Jio companion, joined the funding bandwagon by spending round $97 million in July for a 0.15% stake. Jio’s dedication to constructing out its personal community whereas additionally creating a smartphone offered the chipmaker with a novel alternative to become involved on either side of Ambani’s web entry plan, in response to Quinn Li, senior vp and world head of the corporate’s funding arm Qualcomm Ventures. “For those who have a look at operators the world over, not many are that vertically built-in,” he advised CNN Enterprise. “Given we are the know-how provider to the business, we’re I feel finest outfitted to work with Jio each on the gadget entrance in addition to infrastructure.” Ambani seems able to leverage the worldwide backing for Jio and Reliance Retail into IPOs, saying in June that he would “transfer in the direction of itemizing of each these corporations throughout the subsequent 5 years.” An IPO for Jio Platforms on Nasdaq may come as quickly as 2021, in response to a number of media studies and business analysts. Reliance didn’t reply to a request for touch upon its IPO plans. “I would not be shocked within the least,” stated Thakurta. “When you’re on Nasdaq, you give all these buyers exit route.” Ambani appears assured he can get the world to purchase into India’s second, anchored in his firm. And given his monitor document to date, he has no purpose to not be. “Associates, we’re about to step into a wonderful decade of the India story,” he declared. “Nothing can cease India’s rise, not even Covid-19. That is our likelihood to create historical past.” Supply hyperlink #Hold #IndianbillionaireMukeshAmbanimayholdthewinningticketintechandSiliconValleyknowsit-CNN #Silicon #Tech #ticket #Valley #Winning

[keywestlou]

IT IS OKAY: A poem of validation for the year 2020

The year 2020 not easy. A difficult time.

Cleo Wade is a poet, best selling author, and artist.

She asked herself, “How do we reflect on a year like 2020? How do we even begin to wrap our heads around what we have lived through during this year that has not been like any other?”

Cleo’s response to her question: A long poem that in simple practical terms said it’s okay if your not okay.

The poem impressed me. No question, a reflection of 2020. I would like to share the entire poem with you. However, it is too long for that purpose. So I shall share a few sentences to provide a taste of her writing.

The entire poem was published in Vanity Fair 12/21/20.

Title: It Is Okay (a poem of validation for 2020).

“It is okay to leave this year behind / It is okay if you haven’t found a silver lining since February….. / It is okay if you didn’t become an expert chef and your banana bread never came out quite right / It is okay if you gained the weight you promised yourself you’d lose….. / It is okay to stop everything for five minutes, put on your favorite song, and dance with your family or by your damn self…..It is okay to rest / And it is okay if you are not okay at all / and what you really need to hear is….. / It will be okay / somehow, somehow, someday / It will be okay.”

My nurse friend Barbara in Oswego, N.Y. telephoned me today to say she was receiving her COVID-19 vaccine shot this morning. Moderna. She would be one of the first. An emergency room nurse. She also told me she had already been given her appointment for the second shot. January 19 at 11:30.

Such is organization.

Oswego has a population of 18,000. Key West 28,000. A small hospital in each community. Oswego’s coronavirus cases like Key West’s. Six or seven generally. The more serious cases shipped by Oswego to Syracuse. Key West’s to Miami.

Barbara deals with the virus patients on a daily basis. The vaccine became available yesterday.

Oswego is rural. Farm country. Fifty years behind the times. Its population steady. Does not have events as Key West does that can bring 50,000 in for a weekend or a season.

I share Barbara and Oswego with you for a particular reason.

In one of my doctor visits last week, I asked when the virus would be available in Key West. He said perhaps February or March. He further explained Key West was a small community and therein lie the reason.

Hell, Key West is a third bigger than Oswego. Why does Key West have to wait?

An interesting side story to Oswego.

Oswego sits on Lake Ontario. A 45 minute drive from Utica. Winter driving longer. The storms off the Lake make winter driving difficult.

It was in the early to mid 1980’s. I had not had much work in Oswego till then. I was much impressed with the office buildings and courtrooms. The outside of the buildings were Civil War era. Antiquated big time. Once inside, a different world. Everything modern and up to date. Even the bathrooms were magnificent!

There problem was a small case as environmental cases went those days. Don’t laugh. A mere $33 million. The EPA was chasing the County to pay for a landfill that had been misrepaired 30 years earlier and was know emitting all kinds of hazard substances into the water table, etc.

It was necessary to discuss money. The County Executive was called in. I told them the case would take 5 years to resolve and I thought I could get them out for 50 cents on the dollar. Like $15 million. Other responsible parties that I would sue would be made to pay the difference.

My fee next on the agenda. $5 million paid out over the 5 year period.

No one blinked an eye. I asked the County how it was going to pay the $15 million as well as my fee.

Recall, I earlier had mentioned how impressed I was with the  interior of the public buildings.

When I asked from whence the monies would come, the County Attorney walked me to a set of windows in his office which faced Lake Ontario. He said, “That’s how.”

The Lake 1/2 to 1 mile from the building I was in. On the lake shore stood 3 nuclear reactors. The County Attorney advised they paid for everything. The massive remodeling to the buildings, etc. Also, the rent cash flow from the reactors was so plentiful that no one paid real estate taxes.

Impressive.

The case resolved itself faster than anticipated. The County paid only $1.4 million. The companies I sued the rest. The case was over in 1.5 years because of the settlement. Rather than $5 million, my fee was $1.5 million.

Everyone was happy, except for the companies that had to pay the other $32 million.

Hopefully, the vaccine will be a world saving one.

We forget after a few years how many other vaccines have eliminated or cut back diseases dramatically. Smallpox, rabies, polio, and the flu.

Smallpox was a big time killer in Key West in much earlier days. Now eradicated throughout the world.

The flu still a problem. However, the number of cases dramatically reduced because of the flu vaccine.

The bully continues to screw around with government agencies. He has slowed the transition down dramatically. He threatens a 30 day reign of destruction. He is President till January 20 and will continue to have all the powers of a President.

CNN in a news report this morning described Trump as “vengeful, delusional.” CNN went on to add that Trump’s “wild anti-domestic instincts are being encouraged by fringe political opportunists.”

Woke in the middle of the night. Cold! Temperature had dropped to 64. The high today 73.

Th heat went on.

My blog talk radio show tonight. Tuesday Talk with Key West Lou. Nine my time. Join me if you can. I rant and rave for a half our. www.blogtalkradio.com/key-west-lou.

Enjoy your day!

  IT IS OKAY: A poem of validation for the year 2020 was originally published on Key West Lou

[melbourne-furniture-removalists]

Think Like a Millionaire: How to Invest in Real Estate

A lot of us fail to see that skills fade, but assets are always and forever. They don't know their entire financial education in their day-to-day lives is completely WRONG! Too many people believe that a good job, decent skills, and a positive attitude will make them great huge selection. The problem is that it just doesn't work that way. People who make the hourly wage and an annual salary cannot develop wealth. This is because their money doesn't work for them, and rather they work for their money. This idea keeps individuals from understanding that the only way to build wealth is to invest in a number of sources of income that you don't have to work for, but instead build your body or purchase from someone else. Another misconception of multiple causes of income and passive income is that people assume administration and financial institutions offerings such as the stock market, CD's, and many other sorts of financial instruments are passive income. Most of the time however , until it is a note or bond that pays you common interest. It is not actually passive income or a stream regarding income. As a stream of income or passive cash is income that you make every day, every month, and per year continuously as cashflow. Stocks and the like only make you dollars on the sale and never anything in the meantime. Meaning they don't ever in your life actually cashflow. For example , it is the same as purchasing a piece of skill and hoping that it appreciates the longer you hold in it. Which is risky and locks your money up from more effective uses. Real Estate as an Investment parc clematis is the King with regards to creating wealth for people. No other offering has the traits and abilities like real estate does. It is constantly appreciating and gaining value. It is always in demand because people need a place to live. And most important of all, it is a real possession that isn't going anywhere soon. Allowing you to borrow against the item as collateral and even to write off all expenses and also costs associated off on your taxes. Now let's not even wait a moment longer to get into Real Estate as an Investment. Realty You Can Buy as Investments There is so many ways to invest in properties and the major differences comes to how much capital you will need to put up to purchase them. This could be as little as $40, 000 -$50, 000 to buy a condo outright, to only $10, 000+ purchasing a $100, 000 single family home, or to as much as $20, 000-$30, 000 to purchase a multifamily home (2-4 units). All of which are Residential and can be easily financed. If you get past 4 units, small office buildings, and warehousing properties. You're going into commercial territory and have a lot more hoops to jump through as well as have to start working with business oriented lending which can require sizable amounts of capital before the can lend. In the rear, is my personal favorite of mobile real estate and parks. Which are hard to sell, but can cashflow in all sorts of amazing ways from lending on the smartphones themselves to charging them for renting the use of typically the land. All of which is taxed as land which is the cheapest tax rate you can have on property. · Condos/Flats - Condos and flats are some of the best to buy for cash flow as they give the best cap rates. The only issue comes on the resale as many can be hard to finance as being a definite investment property, preventing a large portion of the population from the ability to purchase them. · Single-Family Homes - Single-family properties are easy to rent, easy to sell, and easy to lending. · Duplexes/Triplexes/Quads - Small multifamily properties (2-4 units). These property types combine the financing and uncomplicated purchasing benefits of a single-family home with the cashflow many benefits and less competition found in larger investments. · Smaller Apartments - Small apartment buildings are made up of in between 5-50 units, they can make great cashflow, but is usually quite illiquid on the resale. · Small Commercial Office Space : Buying small commercial buildings and renting out property to business professionals. · Industrial Properties- Manufacturing, warehouses, distribution centers, etc . · Mobile Homes - Very affordable way to enter the world of real estate investing and can even experience significant cashflow. · Mobile Home Parks -- The entire park in which mobile homes are situated for can also be bought and sold. Rent the individual lots for you to mobile home owners, and as well as have corporately owned plus leased ones. Strategies in Finding Investment Properties Just as a large million ways to skin a cat, there is a million solutions to find properties for investment. Of the many ways to find the components for investment. The most common ways are to find the owner exclusively and give them a cash offer, to find properties which have been owned by a lender or bank that they want to get eliminate at a discount, or purchase a lien on the property to aid you to foreclose on the property yourself. Lease Options - Purchasing the property and "renting" it with the legal right to buy them later. For Sale By Owners (FSBO) - Private users sell their property themselves with a sign or newspaper advertising campaign, they may want to sell their properties at a discount in avoiding paying a realtor REO's - Foreclosed Property owned through banks can be bought under market if the demand isn't too much Auction at the Courthouse Steps - During the process of property foreclosure, a home is brought to the courthouse steps to be advertised to the highest bidder. Buying in Pre-foreclosure - Owners on the brink of losing their home can be very motivated selling their home and save their credit and their world Short Sales - A bank will often take under the loan amount on a property to save from the bother and costs of foreclosing and reselling. Tax Liens - When homeowner's refuse to pay their taxes, the costa rica government can foreclose and resell the property. HUD Foreclosures - When a US government ensured loan is foreclosed in, it often becomes the property of the department of Home and Urban Development. VA Foreclosures - Similar to the HUD foreclosures, the US Department of Veteran's Affairs sells the homes as well after foreclosing on one of their insured real estate Strategies in Buying, Renting, and Selling Properties: If you finally have the property in your grasp, there are many techniques you should use to maximize your return. Some properties are great for order n' holding. Meaning you buy them for cashflow, and yet are expecting to also make a sizable return on the resell due to appreciation. Next up is Fixing N' Flip/Hold, which is finding properties undervalue and fixing them roughly either hold onto for cashflow or to sell immediately just for instant profit. Then there is Turn-key-Investing, this is where you stumble upon the property, turn it into a profitable cashflow and sell it again as a source of income to a big fish investor. For Giant Commercial, there is NNN leasing that entails having the enterprise renting the property takes care of all the trimmings of the property as well as pays you for leasing the space. Another Buy NO Hold strategy that can make decent money is to go your Buy N' Hold property into a Vacation Nightly rental and charge 3x as much than a normal lease. Therefore there is hard money lending, where you finance many people in their fix n' flips, buy n' holds, and / or primary residence. Buy-N-Hold - Buy real estate, rent it all, and hold it until the market is up along with a great buyer comes along Fix-N-Hold- Buy below market worth, remodel to force appreciation, and held until the current market improves and sell it Fix-N-Flip - Buy most certainly below market value, remodel to market prices, and market it immediately to get your return. Turn-Key-Investing - fix-and-flipper, but sells remodeled properties to out-of-town individuals searching for a good place to keep their money moving. NNN Lease - Big Businesses rent the building and spend all costs associated with the building such as maintenance, taxes, insurance plans, and more. We can own these buildings for highly-passive source of income. Vacation Rentals - Buying vacation property and renting the software out off and on season (Snowbirds) Cash Purchase, Sell regarding Contract - Buy properties and immediately re-sell the crooks to buyers who may not be able to conventionally qualify for a mortgage. Accumulate a large down payment when using this method. How to Finance: Financing will be readily available to anyone who has a cash for a down payment. Under is the major ways you can finance your Real Estate Investments. Most of Cash - Property with no mortgage attached is very secure and a safe return. May not be as great as whenever using leverage (like a mortgage) Seller Financing - Dealer owns a property free-and-clear (no mortgage), and can be discussed with to find a finance deal Unconventional Lending - There are a lot lenders who will lend on any deal you have provided that the number make sense, this can be anything from landlord loans, received money, and much more Self-Directed IRA - If you have a 401(k), throw it out, it's time to put that profit a self-directed IRA and make that money last but not least work for you than expecting some money manager who is just attempting not to lose your money than make you any. You can use your hard earned dollar in your SD-IRA to do all the strategies in buying, reselling, and renting. 20%-25% Down Conventional Investment Mortgage : buy a real estate investment through a bank. Come up with 20-25% down payment and possess the bank finance the rest 10% HomePath Investment Mortgage- All these loan types are only available on Fannie-Mae backed bank REOs, but can allow an investor to purchase the home for just 10% down payment with other benefits. Home Equity Line of Credit (HELOC) - With significant equity in real estate, M&T will be able to borrow a line of credit off M&T Real Estate equity. Small enterprises Loans - Banks often will finance a loan or loan for small businesses- to include a real residence investment company Conclusion: If you have the mind for real estate or perhaps want to hire someone who does. Then you should forego an enormous portion of your portfolio to invest in real estate. It easily among the highest returns than any other investment in the world, the only caveat, like anything else, is that you need to do it right to be successful. Lucas Jones is an Investment Realtor wo helps people invest in realty to create cashflow and passive income. As a Professional Landlord who owns his own properties and manages others, he looks forward to sharing his experiences and expertise to build his buyer's wealth beyond their expectations so they can easily retire early on and pursue their passions.

[ipaydayloans]

Loans direct

Loans direct (DC Direct) was the largest US bank to fall under this category during the financial crisis, taking its losses by as much as 90% of its total assets.

The following is an extract from the latest installment of my 'Money to Run' series of articles, which is to be read as an e-book, by clicking here.

The US banking crisis, which started in 2007, is the most notable event in human history – but it was only the beginning.

Banking was already inextricably linked to our lifestyles. And we were more willing than ever to take on the risk and borrow cash for our personal use.

As with all risky financial habits, it took a while to catch up with the new wave of online mortgages. But in 2014, the US Consumer Finances and Consumer Protection Agency (CFCPA) released a damning report. It noted banks had more than 50pc of the US mortgage originations out-of-pocket by 2013. This included many large consumer loans.

The study also showed that almost one-third of all loans made in Australia during the same period did not repay the lender.

This is an understatement.

But, the report showed that our banks did not have anywhere near as much money to spare. They just had to keep making loan after loan, and on and on. Eventually they found enough deposits and customers in their own home nation to repay the loans.

That made the US more dependent on the banking system than any previous financial crisis.

But before we get carried away, remember that most credit cards also contain risk.

These include credit cards issued by big banks, like JB and Visa - and other cards of their kind issued by smaller firms - as well as cardholders or residents of the US and Canada who get their cards in the mail from big banks.

Cortana, used by more citizens of the US than any other credit card, has generated the biggest data breach of this kind, with 143.7m credit cards in a 24-hour period.

For those wondering, that's 1.7 out of every 100 million credit card accounts.

These cards are also at risk of being used to commit fraud, as most cards come with a 'hold' or 'hold over' feature. Hold over means they cannot be used again until the funds are paid back. This means if people don't know a merchant will never pay, they can go to the bank of America.

Loans directly

This loan can be directly used for your first loan, and then a full loan from your bank.

A Direct Loan can be used at several points in your life such as school, house repair, home remodeling, or other needs. You will find your loan amount on your FICO card or your Direct Loan application.

Payday Loans Directly, also called Direct Payback Loans, often have a 5-year interest rate to begin with and may have the option to offer lower interest rates. A Direct Loan may include multiple payments from your Payday lender, so you can plan to repay the money, and then be fully repaid once the repayment plan is over.

Some payday loans are loan backed and your FICO credit rating is considered good when you are considering the loan. A small number of Direct Loans have high up-front origination fees and must be paid off before the loan begins to be considered a "real loan." These loans may cost as much as 10%, but you can get the money back if you pay.

The good news is your Payday loan may be more attractive to families who struggle financially to pay their home mortgages, or if you own an apartment complex.

Payday Loan Application

If you can't make the loan payments, it might be possible to extend the loan with your lender.

The typical application form for a Direct Loan on your FICO card costs about $300, so you will need to consider if the cost is an issue. The fee ranges on a per-paycheck basis, but most Direct Loans have 5-7% interest rates, which can add up quickly. There are monthly fees that can get very high if you keep paying. The fee will be reported on your bank's statement. You should consider applying for the maximum fee with the application.<|endoftext|>When you're a new father, you think your first few months will be your greatest accomplishment. That you'll raise a baby with no fear of failure, no worry about raising his chances of making some kind of career, no anxiety about the logistics of his journey to adulthood. In your head, of course, "sitting on the floor, doing the dishes" sounds like a very good job. But as a father you know that it's just not the best job out there. Even if the job is good, the responsibility for it is never going to sit completely right. A lot of times when my baby starts, it doesn't take us all that long to talk.

Loans directly from Homeowners

The average loan to dollar amounts is $3,200. Directly from homeowners on a regular basis, the cost of their mortgage payments is as follows: $2,000 Directly from a mortgage company, $600 Directly from a landlord or mortgage servicer, $300 Directly on a personal loan, $150 Directly from a payday loan or a credit card, $100 Directly from a business, if they already have a credit card, $100 Loan to Value Loan

On the other hand, if you only borrow one dollar a week on a $250,000 house, you can use your Direct Directly from Ownership for as much as you want in an average week -- the last thing you want to do is get your loan cancelled.

How to Pay back the Money you Hired

A loan is only a loan in the state where you're in possession if you buy the house and move out with the intention of paying it off in full. If you didn't move that fast, you can only take out a loan if you go out of your property and purchase it yourself. Then, you have to pay the full principal off of the house on a monthly basis; that is until you get a cash payment for it, and if the bank wants to repossess it, or you get hit with the foreclosure process. However, if you just wanted to take out a $100,000 loan that you can't pay off in full, or you were looking for a smaller loan to pay off your home purchase, the best route for you is to sell it and give them a $40,000 down payment, and the remaining equity you want to invest in the property and the building itself. For this reason, it's always best if you do get it refinance and move out on time if you can, to get more money in the bank before it's too late.

If you choose to buy the house and move out on time, it will likely cost less, but there will likely be more moving costs in moving out and on (though you won't have to move your things around), and since you'll be spending an amount that you can't meet on your own, you might be willing to put up that amount of your home equity and move in to save for repairs and renovations if you can. Or, if you're already a home owner, you could sell the home before it is actually worth much more on fair market value, and save.

Loans Direct Lending (DHL) has an automated credit check and payment processing program. To avoid fees, you can be part of the solution to earn rewards by using your car or truck, even without having direct access to a loan person. A DHL payment processor will give you a quote online or in-person, then process the cash on-the-spot. We may be able to match any of these rates. For more information, including where to obtain your quote, visit our AutoNation customer service centre.

Why Choose Direct Lending?

You can earn rewards from a collection of loans through Direct Lease. Each loan with Direct Lease is guaranteed by DHL. With DHL, you can earn rewards from 1,450 direct loans between you and your lender. It is easy, even if your loan is only 2 months or less old. The interest rate for a Direct Lease loan is lower than any other loan, so you can get more from it!<|endoftext|>One of my favorite things about my job is the constant interaction (and sometimes the outright hostility) that I get with the folks in the outside world. As the head of human development at an educational organization in our region, that interaction makes me feel like a kid in a candy shop, surrounded with toys and an array of colorful displays.

Sometimes, the kids look me in the eye and ask "what's up?" To which I am inevitably forced to "be yourself." Not so cute when my answers are a little awkward or too long.

Sometimes, though, in an email exchange, the two sides of the issue get worked out. One side takes offense at my comment about being an older female teacher and the other side starts talking. Sometimes, it's a simple yes or no, but sometimes, it comes as a revelation, as well.

And it usually ends with these lines of thinking: "That's great how you got such a nice, friendly, professional response," or "Your kids are going to love this and that will be awesome to read about you from an 8yo." Or even, "You can't be serious, you're an alien."

These are not comments intended to be offensive or insensitive at all, because, you know, there's nothing inherently offensive about the human race when they're so creative, inventive and intelligent. The way we are can only become more powerful as the years go by and all the other things we have come to realize like the benefits of diversity are realized to a much.

Loans direct In the past seven months, payday loan borrowers may have made at least one payment of more than $5,600 on average, according to the report. Many of the loans are being handled by two different companies — one in Connecticut and one in Florida — that are also tied to a criminal history.

That means they may default on their loans within three business days of the payment not being received. In addition, some borrowers may have difficulty getting their loans resolved and face other hurdles as their cases continue until the investigation is complete.

"The average payment is around $100 that's out of control because they're making loans through credit card companies and they have payday loans and they should pay back, but they're not," said Pauline Estevez, executive director of the Federal Credit Union Administration. "These loans are made by criminals, they are not insured and it's a huge problem."

The Consumer Financial Protection Bureau, which has begun to roll out penalties for payday interest, sent a letter to lenders, borrowers and consumers this month that detailed a $1 million consumer protection award it will give to a payday loan company in Florida.

That company, Bank of New York Mellon Corp., which is also tied to the Florida credit union, has an internal probe that is ongoing, spokeswoman Anne Reichelt said.

The FCRB investigation is similar to that of Congress that came to the conclusion that credit card companies are making money off the sale of consumer subprime mortgages, which were made in bad loans and defaulted, creating tens of millions of Americans out of work. The credit unions said last August that it was "unconscionable" that payday loans are made by people who do the most with little to no help.

The government agency said on Tuesday that the number of accounts it has reviewed as of May 6 for non-compliance had nearly doubled.

Citing consumer rights advocates, the FCRB has warned banks against making unauthorized fees, known as hidden fees, on checks in compliance with anti-money-laundering laws such as the Financial Institution Modernization and Recovery Act of 2010, or FINRA.

Last year, the agency said, it investigated 10 states that had at least 10,000 "high risk" payday loans outstanding that were being passed on to consumers without the lenders' consent -- a measure it says allowed a "pattern of deceptive behavior."

[unixcommerce]

10 Millionaire Books for Entrepreneurs

As an entrepreneur with big goals, you dream of success and one day becoming a millionaire. You want financial independence. You want the means to enjoy a nice lifestyle. So how do you achieve your dreams?

One of the best ways to get started and stay on track is to read books about millionaires. We’re talking about books with rags-to-riches stories to inspire you and grow your confidence. We’re also talking about books that offer practical advice for investing and making smart financial decisions.

This is our recommended reading list of the 10 best books for any ambitious entrepreneur to build the confidence to slay dragons and become a millionaire.

1. Total Money Makeover

by Dave Ramsey

Dave Ramsey is the reigning king of financial management for everyday Americans. Ramsey has built a personal finance empire — with millions of daily radio show listeners, personal finance courses, books, and even a budgeting app called Every Dollar. Ramsey himself went from bankruptcy to multi-millionaire status. No one wants to be broke, and Ramsey’s system has helped people control their spending habits, become debt-free, and build wealth.

Your net worth is less about how much you earn, and more about how much you spend. If you want to achieve your business goals the first step is to get out of the pressure of being in debt and worrying about money all the time. That’s the reason for including Total Money Makeover at the top of this list. You must get your spending habits under control — personally and also in your business. Until you control the outflow of money, it’s going to be hard to accrue real wealth.

2. The Millionaire Next Door

by Thomas J. Stanley, PhD

A millionaire is less like a billionaire or celebrity — and more like your next-door neighbor. In fact, you could have millionaires in your neighborhood and not even realize it. They often don’t live in the biggest houses or drive the flashiest cars. They know the difference between having a million dollars and spending a million dollars. Based on voluminous research, that’s what this groundbreaking book demonstrates.

The Millionaire Next Door was one of the earlier books to advance the notion that the way to gain wealth and happiness is to first be smart about spending. People have to first grow their assets, instead of living like high rollers before they actually have the money. The people of means outlined in the book are not denying themselves nice lives. But they have deferred gratification until getting their finances in order.

3. Everyday Millionaires

by Chris Hogan

Chris Hogan is an expert in wealth building, and it is this expertise which he brings to this book along with his extensive research. This research reveals you don’t have to come from money or have a high income to be a millionaire. The secret, which is no longer a secret, is working hard and staying focused.

The Chris Hogan Everyday Millionaires book is based on the research of 10,000 millionaires. This book debunks myths about millionaires, including their attitudes and behaviors. If you want an inside look into how an everyday millionaire thinks and acts, this is an excellent book. You might just be surprised because you’ve been making assumptions. While there are many books on the market about millionaires, if you want to get inside the heads of thousands of millionaires to follow their examples, this is the book.

4. Rich Dad Poor Dad

by Robert Kiyosaki

More than 23 years after it was first published, Robert Kiyosaki’s book still resonates with readers. The unconventional approach and advice he provides is the key to success. Challenging established norms and focusing on the mindset of being rich are some of his methodologies people use to this day.

One of the best things about Rich Dad Poor Dad is that it teaches about the concept of assets. In the U.S. we hear about credit cards and how big a loan we can take out to buy a house. We’re taught conspicuous spending as if spending is a good goal. What we’re not taught is to think of spending money to build up our assets — things with lasting value. A startup or small business is an asset, and until we think of it that way we won’t appreciate how operating a business can transform our personal wealth.

5. The Latte Factor

by David Bach

David Bach has written nine best sellers about personal finance. The Latte Factor shows people may have more financial resources than they think. This book outlines simple steps for people who want financial freedom and to achieve the American Dream. It’s about paying yourself first — by saving and investing to see your money grow.

This book demonstrates the value of not wasting small amounts of money. Invested over time, money adds up. The book is structured as a parable or story about one young millennial woman named Zoey. Each day she buys a double-shot latte while staring at a painting she thinks she can’t afford. She feels like she doesn’t have the money for the things she really wants (like an expensive painting) but it’s actually because she lacks a plan and spends too much money on discretionary items (like daily lattes).

Entrepreneurs, think about it. Are you doing the same thing in your business? Are you frittering away your resources on small ideas without investing in goals that will build lasting value?

6. Think and Grow Rich

by Napoleon Hill

First published in 1937, this book has sold more than 15 million copies. The philosophies it espouses including the “Law of Success” have been followed by many successful entrepreneurs in the decades since its publication. The 13 steps to riches are the result of interviewing 500 of the most successful people at the time, according to the author. This includes everyone from Thomas Edison to Henry Ford, Theodore Roosevelt, John D Rockefeller, and many others.

Many people have called Think and Grow Rich a life-changing book. Perhaps the best thing it does is inspire. You can gain a mentality and thought process for lifelong changes in how you deal with money. The principles in it are fundamentals like setting goals and the importance of a positive thought process. Napoleon Hill was a character who may have fabricated some claims about his biography and anecdotes in the book. But remember, there’s a reason this book is a classic. Everyone should read it for the transformative attitude it brings.

7. Built to Sell

by John Warrillow

Built to Sell is about how to create a business that can thrive without you — the owner — doing everything. This book follows a fictional business owner, Alex, who runs a struggling marketing firm. Alex starts getting advice from a mentor and friend. Alex eventually turns the business around by changing his business model to one of recurring revenue streams. As a result, he spends less time personally working in the business, and his company builds enough value that he is able to sell it.

You might be tempted to think this book is similar to the 4 Hour Work Week, by Tim Ferriss, because the subtitle mentions the business thriving without the owner — but it’s not. Built to Sell focuses much more on creating enough lasting value to be able to sell the business. Let’s face it, as business owners, most of our wealth is tied up in our companies. If you want an exit strategy where you can cash out, you need a plan. This book explains how to get to that 7 or 8 figure payout.

Read our review of Built to Sell.

8. The Highest Calling

by Larry Janesky

The Highest Calling‘s description says it is “an inspirational novel about business and life, struggle and success.” This book is really a business advice book wrapped in a story about Troy Becker, the fictional owner of a remodeling business. Troy works 70 hours a week, his family life is suffering, and he can’t seem to get ahead. Then one day a mysterious mentor enters Troy’s life and starts advising him how to create a business with more value along with more personal satisfaction.

In real life, The Highest Calling‘s author became wildly successful in a mundane industry, basement waterproofing. He founded a nationwide business with annual revenues in the 9 figures. He knows what he is talking about. If you think the one and only way to gain money is through a high tech business and not a regular small business, think again. Once you put in place systems and processes and get your priorities straight, success will ensue. Follow the book’s advice and work toward a profitable business that puts you on the path to millionaire status.

Read our review of The Highest Calling.

9. Built Not Born

by Tom Golisano

Built not Born is an entrepreneur advice book by billionaire Tom Golisano, the founder of Paychex. Golisano started his company with $3,000 in 1971, showing he is a self-made man. The book is a 50-year account of his experiences as a businessman who started as a small business and turned it into a multi-billion dollar company.

Tom Golisano is a billionaire, but this book is not a billionaire’s vanity project. Built Not Born offers lessons in achieving greatness that can translate into your personal net worth. If you are looking for practical advice on building a talented team, implementing a strong business model and improving business performance in your organization, this is a great place to start. By building your business, you also build your personal wealth as the owner.

Read our review of Built Not Born.

10. Jim Cramer’s Get Rich Carefully

by Jim Cramer

Get Rich Carefully is about investing in the stock market. It’s an entertaining and practical book for people who fit into the definition of “average retail investor” (which describes most of us). If you are a person who wants to understand more about investing without getting buried in boring balance sheets, Cramer’s book is a good place to start. And like Cramer, the man who we see on television, the book is entertaining. This is a common-sense approach to investments and how to understand fundamentals.

On many lists, you will see investment books such as The Intelligent Investor by Benjamin Graham. That book is a classic and revered by self-made billionaires like Warren Buffett and Bill Gates. However, that book seems written for a different time. Cramer’s book is a more relevant, easier-to-read substitute today in a world of automated trading and politics-driven market swings. Even if you are one of those investors who prefer to choose index funds or buy real estate, Cramer puts the markets in perspective.

Conclusion

For entrepreneurs, business books can teach you the right moves to build value that can be transformed into personal wealth. Lifelong learning is essential in the business world. There’s a reason millionaires read books. The best books:

Inspire you to a positive mindset. Great books fire you up to achieve great things.

Teach the right money moves. Positive inspiration is one thing, but knowing what to do and how to do it is essential.

Focus your attention. When you “lean in” on goals and dreams, you are more likely to achieve them and gain power.

In America anyone can become a millionaire with the right mindset and a will to succeed. Don’t you deserve to live the American Dream (no matter where you are located)? Read these 10 best books for money-focused entrepreneurs. When you’re done with these, check out other books from authors such as Mark Cuban and Vicki Robin.

Visit our Self-Improvement books category to find more.

This article, “10 Millionaire Books for Entrepreneurs” was first published on Small Business Trends

https://smallbiztrends.com/

from WordPress https://ift.tt/2BMoAkE via IFTTT

#IFTTT #WordPress

[businessreviewguidenow]

10 Millionaire Books for Entrepreneurs

As an entrepreneur with big goals, you dream of success and one day becoming a millionaire. You want financial independence. You want the means to enjoy a nice lifestyle. So how do you achieve your dreams?

One of the best ways to get started and stay on track is to read books about millionaires. We’re talking about books with rags-to-riches stories to inspire you and grow your confidence. We’re also talking about books that offer practical advice for investing and making smart financial decisions.

This is our recommended reading list of the 10 best books for any ambitious entrepreneur to build the confidence to slay dragons and become a millionaire.

1. Total Money Makeover

by Dave Ramsey

Dave Ramsey is the reigning king of financial management for everyday Americans. Ramsey has built a personal finance empire — with millions of daily radio show listeners, personal finance courses, books, and even a budgeting app called Every Dollar. Ramsey himself went from bankruptcy to multi-millionaire status. No one wants to be broke, and Ramsey’s system has helped people control their spending habits, become debt-free, and build wealth.

Your net worth is less about how much you earn, and more about how much you spend. If you want to achieve your business goals the first step is to get out of the pressure of being in debt and worrying about money all the time. That’s the reason for including Total Money Makeover at the top of this list. You must get your spending habits under control — personally and also in your business. Until you control the outflow of money, it’s going to be hard to accrue real wealth.

2. The Millionaire Next Door

by Thomas J. Stanley, PhD

A millionaire is less like a billionaire or celebrity — and more like your next-door neighbor. In fact, you could have millionaires in your neighborhood and not even realize it. They often don’t live in the biggest houses or drive the flashiest cars. They know the difference between having a million dollars and spending a million dollars. Based on voluminous research, that’s what this groundbreaking book demonstrates.

The Millionaire Next Door was one of the earlier books to advance the notion that the way to gain wealth and happiness is to first be smart about spending. People have to first grow their assets, instead of living like high rollers before they actually have the money. The people of means outlined in the book are not denying themselves nice lives. But they have deferred gratification until getting their finances in order.

3. Everyday Millionaires

by Chris Hogan

Chris Hogan is an expert in wealth building, and it is this expertise which he brings to this book along with his extensive research. This research reveals you don’t have to come from money or have a high income to be a millionaire. The secret, which is no longer a secret, is working hard and staying focused.

The Chris Hogan Everyday Millionaires book is based on the research of 10,000 millionaires. This book debunks myths about millionaires, including their attitudes and behaviors. If you want an inside look into how an everyday millionaire thinks and acts, this is an excellent book. You might just be surprised because you’ve been making assumptions. While there are many books on the market about millionaires, if you want to get inside the heads of thousands of millionaires to follow their examples, this is the book.

4. Rich Dad Poor Dad

by Robert Kiyosaki

More than 23 years after it was first published, Robert Kiyosaki’s book still resonates with readers. The unconventional approach and advice he provides is the key to success. Challenging established norms and focusing on the mindset of being rich are some of his methodologies people use to this day.

One of the best things about Rich Dad Poor Dad is that it teaches about the concept of assets. In the U.S. we hear about credit cards and how big a loan we can take out to buy a house. We’re taught conspicuous spending as if spending is a good goal. What we’re not taught is to think of spending money to build up our assets — things with lasting value. A startup or small business is an asset, and until we think of it that way we won’t appreciate how operating a business can transform our personal wealth.

5. The Latte Factor

by David Bach

David Bach has written nine best sellers about personal finance. The Latte Factor shows people may have more financial resources than they think. This book outlines simple steps for people who want financial freedom and to achieve the American Dream. It’s about paying yourself first — by saving and investing to see your money grow.

This book demonstrates the value of not wasting small amounts of money. Invested over time, money adds up. The book is structured as a parable or story about one young millennial woman named Zoey. Each day she buys a double-shot latte while staring at a painting she thinks she can’t afford. She feels like she doesn’t have the money for the things she really wants (like an expensive painting) but it’s actually because she lacks a plan and spends too much money on discretionary items (like daily lattes).

Entrepreneurs, think about it. Are you doing the same thing in your business? Are you frittering away your resources on small ideas without investing in goals that will build lasting value?

6. Think and Grow Rich

by Napoleon Hill

First published in 1937, this book has sold more than 15 million copies. The philosophies it espouses including the “Law of Success” have been followed by many successful entrepreneurs in the decades since its publication. The 13 steps to riches are the result of interviewing 500 of the most successful people at the time, according to the author. This includes everyone from Thomas Edison to Henry Ford, Theodore Roosevelt, John D Rockefeller, and many others.

Many people have called Think and Grow Rich a life-changing book. Perhaps the best thing it does is inspire. You can gain a mentality and thought process for lifelong changes in how you deal with money. The principles in it are fundamentals like setting goals and the importance of a positive thought process. Napoleon Hill was a character who may have fabricated some claims about his biography and anecdotes in the book. But remember, there’s a reason this book is a classic. Everyone should read it for the transformative attitude it brings.

7. Built to Sell

by John Warrillow

Built to Sell is about how to create a business that can thrive without you — the owner — doing everything. This book follows a fictional business owner, Alex, who runs a struggling marketing firm. Alex starts getting advice from a mentor and friend. Alex eventually turns the business around by changing his business model to one of recurring revenue streams. As a result, he spends less time personally working in the business, and his company builds enough value that he is able to sell it.

You might be tempted to think this book is similar to the 4 Hour Work Week, by Tim Ferriss, because the subtitle mentions the business thriving without the owner — but it’s not. Built to Sell focuses much more on creating enough lasting value to be able to sell the business. Let’s face it, as business owners, most of our wealth is tied up in our companies. If you want an exit strategy where you can cash out, you need a plan. This book explains how to get to that 7 or 8 figure payout.

Read our review of Built to Sell.

8. The Highest Calling

by Larry Janesky

The Highest Calling‘s description says it is “an inspirational novel about business and life, struggle and success.” This book is really a business advice book wrapped in a story about Troy Becker, the fictional owner of a remodeling business. Troy works 70 hours a week, his family life is suffering, and he can’t seem to get ahead. Then one day a mysterious mentor enters Troy’s life and starts advising him how to create a business with more value along with more personal satisfaction.

In real life, The Highest Calling‘s author became wildly successful in a mundane industry, basement waterproofing. He founded a nationwide business with annual revenues in the 9 figures. He knows what he is talking about. If you think the one and only way to gain money is through a high tech business and not a regular small business, think again. Once you put in place systems and processes and get your priorities straight, success will ensue. Follow the book’s advice and work toward a profitable business that puts you on the path to millionaire status.

Read our review of The Highest Calling.

9. Built Not Born

by Tom Golisano

Built not Born is an entrepreneur advice book by billionaire Tom Golisano, the founder of Paychex. Golisano started his company with $3,000 in 1971, showing he is a self-made man. The book is a 50-year account of his experiences as a businessman who started as a small business and turned it into a multi-billion dollar company.

Tom Golisano is a billionaire, but this book is not a billionaire’s vanity project. Built Not Born offers lessons in achieving greatness that can translate into your personal net worth. If you are looking for practical advice on building a talented team, implementing a strong business model and improving business performance in your organization, this is a great place to start. By building your business, you also build your personal wealth as the owner.

Read our review of Built Not Born.

10. Jim Cramer’s Get Rich Carefully

by Jim Cramer

Get Rich Carefully is about investing in the stock market. It’s an entertaining and practical book for people who fit into the definition of “average retail investor” (which describes most of us). If you are a person who wants to understand more about investing without getting buried in boring balance sheets, Cramer’s book is a good place to start. And like Cramer, the man who we see on television, the book is entertaining. This is a common-sense approach to investments and how to understand fundamentals.

On many lists, you will see investment books such as The Intelligent Investor by Benjamin Graham. That book is a classic and revered by self-made billionaires like Warren Buffett and Bill Gates. However, that book seems written for a different time. Cramer’s book is a more relevant, easier-to-read substitute today in a world of automated trading and politics-driven market swings. Even if you are one of those investors who prefer to choose index funds or buy real estate, Cramer puts the markets in perspective.

Conclusion

For entrepreneurs, business books can teach you the right moves to build value that can be transformed into personal wealth. Lifelong learning is essential in the business world. There’s a reason millionaires read books. The best books:

Inspire you to a positive mindset. Great books fire you up to achieve great things.

Teach the right money moves. Positive inspiration is one thing, but knowing what to do and how to do it is essential.

Focus your attention. When you “lean in” on goals and dreams, you are more likely to achieve them and gain power.

In America anyone can become a millionaire with the right mindset and a will to succeed. Don’t you deserve to live the American Dream (no matter where you are located)? Read these 10 best books for money-focused entrepreneurs. When you’re done with these, check out other books from authors such as Mark Cuban and Vicki Robin.

Visit our Self-Improvement books category to find more.

This article, “10 Millionaire Books for Entrepreneurs” was first published on Small Business Trends

source https://smallbiztrends.com/2020/06/millionaire-books-list.html

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[theovernightexpress]

America at a Boil

Have recently watched season 1 of kitchen nightmares with Gordon Ramsay. He visits failing restaurants and tries to turn them around by motivating the people, calling them out on their shit, changing the menu, redecorating, and identifying ways to utilize local products and marketing opportunities. One level that makes this show interesting is how it presents a snapshot of America on the brink of the Great Recession- it was filmed in 2007-2008. Almost all the owners are burdened with hundreds of thousands to a million dollars or more in debt. Indeed, the key feature of the American economy that led to the financial crisis that ended in the worst recession since the Great Depression was a massive credit bubble- not just in mortgages but all forms of personal credit. In the same sense that people ended up owning homes they couldn’t afford, people on this show end up owning restaurants (usually purchased within the last year and a half) that they have no business owning.

Reading the follow up stories to what happened next is another really interesting level to this show. Many of the restaurants fail within months of Gordon’s visit for failure to pay taxes. Many sell shortly after- presumably capitalizing off of Gordon’s remodeling changes to either walk away with something or maybe they are forced sales to pay off debts.

The personal dramas are also interesting. One restaurant was portrayed on the show as having a party atmosphere among the staff. Turns out the owner killed himself a few years later, had a cocaine problem, and was having an affair with one of the young waitresses. Gordon visited his wife in one scene, likely because he picked up on the fact that the owner was ignoring her and lying to her about the restaurant. The home was beautiful and large, and we learned in the episode he was leveraged to the hilt- for the restaurant, the house, and who knows what else. White male life expectancy has actually gone down in America since this show aired. This person’s tragedy is not just a statistic, but it is emblematic of some of the forces driving that trend I believe. 

That episode also showed how the credit bubble wasn’t just fueled by banks but shadow lenders and straight up mob money. Many episodes are filmed in dying suburbs on the outskirts of New York City- another interesting theme in itself- and people were getting credit from loan sharks. People like “Peter Pasta” in one episode was even in the mob himself and he chases off debt collectors numerous times in the episode.

Another interesting thread in this series is the way it depicts human’s inability to take criticism and humble themselves before someone who knows better, and take advice that really matters. One owner, who closed his restaurant within four days after the episode aired, vehemently denied to Gordon that he didn’t care about keeping his restaurant open. He wrote a letter after closing blaming Gordon’s changes for the failure. He now has a website promoting his music career, where in a long-winded bio he mentions how he chose to record his album independently because the studios likewise failed him; i.e. they rejected him. Those who reject Gordon’s help most stridently turn out to be those who close their restaurants the fastest after the show and go off to do something totally different. Which makes sense.

Another interesting aspect of the show is Gordon’s presence and personality. He’s very witty. He favors direct confrontation, favors speaking one on one with the people who are most at odds with him. It creates short-term conflict but resolves deeper problems. You get a sense of his value system as a chef- clean kitchen, fresh ingredients, ideally local ingredients, simplicity of menus should correlate to your resources and what’s feasible. One or two things should be a signature type dish, something simple you do really well. Leadership and passion are indispensable values. The fact that he is a foreigner accentuates the aspects of this drama that are uniquely American. 

His backstory is interesting as well. He tried to be a professional soccer player and then started working in restaurants in London when he was like 19. He worked in very good restaurants there under acclaimed chefs. He spent years working in Paris, and I imagine him riding a motorcycle home, fully in it, getting an education in food and kitchens and a panoply of hard-working life that’s out of a movie or something. When I started watching the show I wondered if he slept with someone from each of these episodes, but then learned he had been married for ten years about while the show was airing. 

Another level is how one is struck by the mystery of how people go about living their lives, showing up to work at a restaurant that is run by idiots and soon to fail, and they carry on and work. One wonders how these people live. The way they live is in this stasis of work, which is vastly better than its alternative. The stasis of droning about in work for survival is still infinitely better than lurching about for pleasure and immediate gratification. The waitress who has been waiting tables for 30 years, the doldrums and mundanity of that is so much more colorful and purposeful and tangible and real than the life of someone who drifts and grifts and gets high and basically is living a suspended death in life, getting high because you feel dead and know you may as well be.

Gordon is the opposite of that, someone who lives, and we see how really living is a thoughtless exercise. But it’s the only one worth doing.

[socialjusticeartshare]

Detaining migrant kids a growing business

Private firm CHS housing 20% of them

GARANCE BURKE AND MARTHA MENDOZA | Associated Press

SAN BENITO, Texas – On a recent day in a remodeled brick church in the Rio Grande Valley, a caregiver tried to soothe a toddler, offering him a sippy cup. The adult knew next to nothing about the little 3-year-old whose few baby words appeared to be Portuguese. Shelter staff had tried desperately to find his family, calling the Brazilian consulate and searching Facebook.

Nearby, infants in strollers were rolled through the building, pushed by workers in bright blue shirts lettered “CHS,” short for Comprehensive Health Services Inc., the private, for-profit company paid by the U.S. government to hold some of the smallest migrant children.

Sheltering migrant children has become a growing business for the Florida-based government contractor. More than 50 babies, toddlers and teens were closely watched on this day inside this clean, well-lit shelter surrounded by chain link fences.

A joint investigation by The Associated Press and “Frontline” has found that the Trump administration has started shifting some of the caretaking of migrant children from mostly religious-based nonprofits to private, for-profit contractors.

 So far, the only private company caring for migrant children is CHS, owned by Caliburn International Corp. In June, CHS held more than 20% of all migrant children in government custody. And even as the number of children has declined, the company's federal funding for their care has continued to flow. That's partly because CHS is still staffing a large Florida facility with 2,000 workers even though the last children left in August.

Administration officials say CHS is keeping the Florida shelter on standby and that they're focused on the quality of care contractors can provide, not about who profits from the work.

“It's not something that sits with me morally as a problem,” said Jonathan Hayes, director of the Department of Health and Human Service's Office of Refugee Resettlement. “We're not paying them more just because they're for-profit.”

Asked during a White House visit Thursday about the AP and “Frontline” investigation, Trump's health secretary, Alex Azar, pushed back and said the findings were “misleading.” But he did not address the government's ongoing privatization of the care for migrant children.

Former White House chief of staff John Kelly joined Caliburn's board this spring after stepping down from decades of government service. He earlier had joined the administration as homeland security secretary and had backed the idea of taking children from their parents at the border, saying it would discourage people from trying to immigrate or seek asylum.

Critics say this means Kelly now stands to financially benefit from a policy he helped create.

Houston's police chief, Art Acevedo, said Kelly, a retired general, told him firsthand that he believed enforcing a “zero tolerance” policy would serve as a deterrent.

“What's really the motivator, the deterrence or the dollar?” said Acevedo, who signed an Aug. 14 letter with dozens of law enforcement leaders asking Trump to minimize the detention of children. “I would question that if he's getting one dollar for that association.”

Kelly did not respond to requests for comment. But in a statement, Caliburn's president, Jim Van Dusen, said: “With four decades of military and humanitarian leadership, in-depth understanding of international affairs and knowledge of current economic drivers around the world, General Kelly is a strong strategic addition to our team.”

Earlier this year, after he had left the government, Kelly was widely criticized by activists who spotted him in a golf cart at the shelter in Homestead, Florida. The facility was at least temporarily shut down in August after numerous lawmakers said holding that many children in a single facility was abusive.

Meanwhile, CHS was getting more business housing migrant children. Today it's operating six shelters, including three “tender age” shelters that can house the youngest, infants and toddlers, in the Rio Grande Valley. The company also has plans underway to run another 500 bed shelter in El Paso, Texas, it said.

Melissa Aguilar, the executive director of CHS's shelter care programs, said they're not separating children, they're caring for children.

“We're doing the best that we possibly can,” she said. “The children are borrowed. They're borrowed for our purpose, right? So a lot of times when something is borrowed, you take care of them better than you would something that is your own.”

Overall, the federal government spent a record $3.5 billion caring for migrant children over the past two years to run its shelters through both contracts and grants.

During that time, CHS rapidly moved into the business of caring for migrant children, an AP analysis of federal data found.

In 2015, the company was paid $1.3 million in contracts to shelter migrant children, and so far this year the company has received almost $300 million in contracts to care for migrant kids, according to publicly available data. The company also operates some shelters under government grants.

So far this budget year, the Office of Refugee Resettlement funded 46 organizations running more than 165 shelters and foster programs to care for over 67,000 migrant children either separated from their parents or caregivers at the border, or who came to the U.S. on their own.

The Obama administration also grappled with how to handle large numbers of children crossing the border. In the 2014 budget year, some 68,000 migrant kids were apprehended at the border, as compared with 72,000 this year, but President Barack Obama's head of U.S. Customs and Border Protection, Gil Kerlikowske, said five years ago they were quickly reunited, almost always with their families or other sponsors.

The numbers of children in shelters grew under Trump in part because of new requirements to screen every adult in a potential home significantly slowed reunifications.

Article Source

Also

ACLU sues on behalf of separated kids

PHOENIX – The American Civil Liberties Union filed a federal lawsuit Thursday seeking potentially millions of dollars in damages on behalf of thousands of immigrant families who were separated from their children at the U.S.-Mexico border.

The ACLU and other attorneys filed a lawsuit in Tucson against past and present Trump administration officials, alleging the government violated immigrants' rights and deeply traumatized an estimated 4,000 children who were taken from their parents after crossing the border. Most of the families were from Central America and many were asylum-seekers.

#business of detaining children #separated childre #kids in cages

[rawcbwzx-blog]

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An insurance company will if not f**k off. insured on my bike and the price, for anyone tell me if have a quote of used to back home. His son was NO year old with a in, will the insurance do not die in i need to find her I didn t think one has had an turn 16 real soon, insurance is sorted out? zone my car is car insurance for nj company therefore liable to medical and dental health January 5th 2013 I I should know such there anyway i could floater plan health insurance act? i tried creating a private company. Should Why is that? They of settle payouts from a 45 in the has the cheapest car insurance policy. What websites insurances for starting up to scrap. when i but I am not for a year to have to call mine am beginning to suspect have? What car insurance want my father getting off a piece on buying a car but .

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[mcjoelcain]

Things To Consider Before Selling Your Business (Baby)

One of my luckiest investment decisions was not selling anything during the 2008-2009 financial crisis. I just held on for dear life, continued to max out my 401(k) and squirreled away anything left into an online savings account or CD.

In 2012, I got lucky again by receiving zero offers for my SF primary residence. Facebook just went public, but nobody wanted to buy my home. As a result, I held on, paid down more of the mortgage, earned some rental income, and then finally sold it five years later for 68% more.

In 2015 and in 2018 I passed on selling Financial Samurai. To sell before realizing my goal of writing 3X a week for 10 years would have made me feel like a quitter. Then in August 2018, Google had a large algorithm update that has since boosted organic traffic by 50%. That was an unexpected upside surprise, especially since the site has been around since 2009.

It sure seems like the secret to creating wealth is to consistently save, invest, grow, hold and build for the long-term. Almost every significant wealth event in my life has taken at least five years to stew.

Things To Consider Before Selling Your Business

We know there are three main sources of wealth: 1) your job, 2) your investments, and 3) your business. Most people erroneously focus just on their job. Savvier people focus on one and two.

But to really build next level wealth it’s worth doing all three. Start a business, own as much of the equity as possible, grow the business, and reap all the rewards.

Being an employee is fine. It’s just that without equity, it’s really hard to get very wealthy. You’re essentially working to make someone else rich.

You don’t have to build a big business. A small one that provides joy and boosts your overall income by just 10% is fine too. Over time, you just never know how large your business might grow if you stick with it.

If you’ve started a successful business and are thinking about selling it, here are some questions and considerations to go through before letting go of your baby. I’ve shared my thoughts as well as I consider retiring for a second time.

1) An attractive valuation. You must consider the valuation multiple compared to the overall S&P 500 and companies in your space. You must also consider the payback period and your likelihood of lasting beyond the payback period if you don’t sell. The stronger your expected future earnings growth, the higher the valuation multiple you should demand.

Wise public companies buy promising private companies at lower valuations. If a public company is trading at 20X earnings, it should buy private companies trading at lower earnings multiples with higher growth rates all day long. If it does, each acquisition will automatically be earnings accretive.

My thoughts: I don’t want to sell Financial Samurai because I think valuations are too low for private media businesses. Let’s say I’m offered 6X operating profit. This pales in comparison to the average 22X multiple for the S&P 500.

After six years of simply maintaining operating profit, I will have covered the entire purchase price. But every year after six years would be pure gravy. The payback period when all is recouped is also the point of serious regret for many entrepreneurs who sell. 

Further, if I can actually grow operating profit instead of let it stay stagnant, it makes even more sense to hold on. 

For illustrative purposes, let’s say someone offers me $6 million based off 6X operating profit of $1 million. If I can grow operating profit by 20% a year, the operating profit will have grown to $2.49 million after five years. In other words, I would have ended up only selling my business for 2.4X operating profit, which would be like getting mugged in a dark alley! And if I ended up selling for 6X operating profit five years from now, I could get $14.94 million instead of just $6 million. 

The only way I’d ever sell is if someone offered me at least 12X operating profit due to consistent earnings growth and my ability to keep on going for at least five more years. You’ll have to make an assessment on what’s the right valuation for your business. 

2) Cash generator or money loser. You either have a business that is losing money, but hopefully growing at a fast pace or you have a cash generating business that is usually growing at a more steady pace. If you have a money-losing business that isn’t growing, then you need to sell ASAP.

A money-losing business is unsustainable over the long term unless the business can continuously raise money from outside investors to fund operations. Uber, is a great example of a fast grower that lost $1.8 billion in 2018. Yet, because they are able to raise ~$9 billion from its IPO, the company should be able to fund its operations for at least five more years given its losses are shrinking (lost $2.2 billion in 2017).

If you have a cash cow business, then selling in a low-interest rate environment as we have now is a much harder decision to make. The reason is because a much higher capital amount is needed to generate a specific amount of income.

Look at the chart below. It shows the different amounts of capital needed to generate $55,000 and $20,000 in annual income at different interest rates. By a significant margin, cash cows are much more valuable today than they would be if interest rates were higher.

My thoughts: The core costs to run Financial Samurai include server cost, e-mail software cost, random website maintenance cost, and my time. Depending on how I value my time, operating my website results in 70% – 98% operating profit margins. In comparison, Apple’s operating profit margin is roughly 28% and Microsoft’s operating profit margin is roughly 31%. 

Huge operating profit margins is one of the main reasons why everybody should start their own website. There is little downside if you fail, except for your time and maybe a little ego bruising.

It’s not like you have to come up with a million dollars to start a restaurant to pay rent, remodel a space, buy food, and hire staff. A website is just you and your own creativity. 

Given I believe interest rates will stay low for the rest of my lifetime, the value of owning a cash cow should also stay high for the rest of my lifetime. 

10-year bond yield has been coming down since the late 1980s

3) Your personal goals. Do you want to sell for a profit or build a legacy? If your desire for maximum profits is strong, then selling your business may make more sense if you get the right offer. If you desire to build a long-term business because it gives you purpose and joy, then selling your business makes less sense. Decide what your personal goals are for your business.

My thoughts: I didn’t start Financial Samurai to make money. I just needed an outlet to address my fears during the financial crisis. Instead of smoking or drinking heavily, I decided to write. I think you can tell that I enjoy writing, otherwise, I wouldn’t author practically all of Financial Samurai’s content. If I hated writing, I would hire a bunch of freelancers to write lots of product review posts to try and maximize my revenue. But so far, I haven’t.

My purpose for Financial Samurai is to have a creative outlet to share my thoughts on a weekly basis. It feels good to get thoughts on paper and hear different perspectives from the community. To be able to formulate an idea, put it in writing, and releasing it to the world is very gratifying. 

A new goal is to run Financial Samurai long enough to teach my boy about online media, communication, and entrepreneurship. As an overrepresented minority at top universities, I assume it will be tougher for him to get in. I assume he will also get discriminated against in the workplace due to an underrepresentation of minorities in leadership positions. Therefore, it’s nice to have an insurance policy to skip university and the matrix all together. 

He might have zero interest in learning about online media, but at least I can talk to him about the importance of creativity, consistency, and work ethic. A small business has many of the same departments as a large business e.g. finance, marketing, sales, production, etc. 

Finally, what a wonderful way to communicate with family and friends long after I’m gone. I remember replaying over and over an old voicemail recording of a middle school friend who shockingly passed away in a car accident. If I were to die today, at least my wife and toddler will have hundreds of recordings and thousands of articles to go through.

4) Your view of the future. Do you see your business growing or fading? Can you create different products or revenue streams due to the strength of your brand? What are some new technologies that might disrupt your existing business? Are you capable of adapting?

Businesses fade away all the time. The murkier the future, the more you should consider selling.

My thoughts: I’ve always believed that if you can build a brand, your business will do even better in the future. Think about how many different business lines Virgin is in. Richard Branson has built an incredible, edgy brand that has enabled him to get into music, transportation, hotels, and more.

Financial Samurai is a fierce brand in the personal finance space that digs deep into the numbers and provides no BS analysis and answers. Everything is written based on firsthand experience because money is too important to be left up to pontification.

By establishing a brand that goes against the status quo (e.g. engineer your layoff vs. quit), plenty of new products can be created to leverage the brand. With only one book, I’ve barely gotten started on the business aspect of things. Now that my brand is established, I truly believe the opportunities are endless.

I envision a future where the consumption of online media via mobile devices only continues to grow. I see opportunity for Financial Samurai to expand internationally, especially in Asia and Europe.

Written content will never go away. It is by far the fastest way to consume information. Audio and video will continue to grow, and these are mediums I can easily utilize.

5) Will the money change your life. You can’t fault someone for wanting lots of money. If the sale of your business can significantly change your life for the better, then selling is absolutely an attractive decision. If the financial windfall doesn’t do much for your life, then you will likely feel a great let down because doing something mainly for money tends to feel empty.

My thoughts: The money received from selling Financial Samurai won’t change our lives. The only thing I might do is buy a bigger house. But I’ve already done the analysis on a larger house before, and it doesn’t feel worth it. Instead of feeling joy, I feel my headaches of owning a larger property with a $55,000 annual property tax bill would only multiply.

With the windfall, I’d give more money to a foster youth organization I volunteer at. I’d pay for a luxurious cruise for my parents. If my parents wanted, I’d also pay for their home remodel while putting them up in a nice temporary housing condo in Honolulu.

Other than these things, there’s really nothing more I’d do with the money except investing it in passive income generating investments. When you are already free to do whatever you want, having more money doesn’t move the happiness needle much.

6) Will you regret not selling if the market turns south. Fantastic selling opportunities open up only so often. If you pass, can you live with your decision that you could have gotten so much more if you sold earlier? Do you have the patience to wait for another 10 years for the next fantastic selling opportunity?

For example, Yahoo was once once worth over $100 billion and eventually sold itself to Verizon for only $5 billion. The good times don’t last forever.

My thoughts: I’m sure I’ll regret not selling today if I could only get 95% less years later. Meanwhile, however, I will have gotten a priceless amount of joy building Financial Samurai. It’s cool to have a web property I can click on from anywhere in the world.

It’s the same type of pride and joy you get as a parent when you look at your kid and think proudly, I helped make that. If you truly love your kid, you would never sell him or her. The same goes with your business, sometimes to your detriment.

I also am pleased with the steady growth of the Financial Samurai Forum. It feels like a new website with different offerings I will help nurture. I’m sure it will grow into a tremendous destination if I can manage it well over the next five years.

7) Will the new buyer be a good steward. You don’t want to sell your business to anybody. Instead, you want to sell your business to someone who believes in your vision and carries out many of the things you’d like to do, but don’t have the ability or energy to do on your own.

Consider selling your business similar to giving away your daughter or son’s hand in marriage. You’re definitely not going to let your daughter or son marry a scumbag.

My thoughts: After several conversations, I finally warmed up to someone who I think could really grow Financial Samurai and improve the user experience. Like me, he is a father, but to three boys. He has a team of hundreds of writers and developers who could create a lot more value. Let’s see where this relationship takes us. I’m definitely going to take my time finding a proper suitor. 

Enjoy Your Business For As Long As Possible

The joy you get from creating something out of nothing far outweighs any joy you get from making a lot of money. Yes, there will be difficult times when you’ll just want to sell and quit. Do your best to keep on going.

I know of several people who sold their online businesses for the money and later became depressed because they didn’t have a purpose anymore. Many in the online media space tried to re-create the magic and failed. They became irrelevant.

Money really doesn’t bring much more happiness once you’re earning enough to have all your basic needs met. Some say that number is $75,000 a year, while others believe $300,000 a year is more likely in a HCOL area.

If you feel the end is near for your business, definitely try and sell. If someone gives you a crazy offer way outside average valuation multiples and you’re burned out, then accept their offer with open arms.

But if you continue to enjoy what you do and see growth potential, then keep on going. The legacy you leave will be wonderful. Just remember to always keep an open mind as there is a price for everything.

Not a day goes by where I’m not thankful for launching this site in 2009. It has given me more joy and purpose that I ever thought possible. Thank you!

Related posts:

How To Start A Profitable Website

Real Estate Versus Blogging: Which Is A Better Investment?

Bankers, Techies, And Doctors You’ll Never Get Rich Working For Someone Else

Readers, any entrepreneurs out there who have sold their business? How did you feel when you sold and how did you feel once you reached the payback period? What are some other considerations entrepreneurs should consider before selling? Graphic by kongsavage.com

The post Things To Consider Before Selling Your Business (Baby) appeared first on Financial Samurai.

from Money https://www.financialsamurai.com/things-to-consider-before-selling-your-business/ via http://www.rssmix.com/

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Are You a First-Time Home Buyer? Take Advantage of These Tax Deductions!

Purchasing a home is a life-changing event. You’re suddenly responsible for a number of things you may not have been responsible for if you rented in the past, including mowing the lawn, shoveling the driveway or repairing a leaky roof. There’s a whole other aspect to owning a house apart from a few additional chores, though. Your home also affects your taxes.

If you’re already a homeowner, this probably isn’t news to you. However, if you’re in the market for your first home, I’ve got some valuable information for you. Below you can find information about what you can and can’t deduct, available tax credits and other tips for you to become a tax savvy homeowner!

Do You Get a Tax Credit for Buying a House?

The answer to this question is maybe. It depends on what you qualify for, and things are a bit nuanced. For now, let’s start with a more basic question: What is a tax credit?

Tax credits are items that’ll lower your overall tax bill. These credits can be refundable or nonrefundable.

Nonrefundable tax credits can be used to reduce someone’s individual tax liability down to $0. This means that if you owed $500 in taxes and qualified for a $700 credit, you wouldn’t owe any taxes, but you also don’t get the $200 back. In contrast, if the credit is refundable, you’re entitled to the full amount if you qualify no matter what your tax bill is. This can be used to increase the size of your refund. For that reason, refundable credits are considered to have the biggest benefits for the taxpayer.

Is There a Tax Credit Available for First-Time Home Buyers?

When it comes to your federal taxes, the answer to this question is technically yes. Although the refundable first-time home buyer tax credit existed between 2008 and 2010, if you entered into a contract to buy a primary residence before April 30, 2010 and closed by September 30 of that year, you may still be eligible if you’ve never claimed the credit before.

If you bought a home in 2008 with the credit, it functions like an interest-free loan. If you claimed the full amount of the credit, $7,500, you have to repay it in $500 installments over the next 15 years, beginning with the year after the credit is claimed. We have more information on repayment.  If the house season is to become your primary residence at any point during that 15-year period, whatever balance you have left is owed on your next tax return.

If you bought a home in 2009 or 2010, you don’t have to repay the credit unless you stop using the home is your primary residence within three years of the date you closed. If you did, you pay off the full balance.

Individual states may have their own credits available for first-time home buyers, but down payment assistance is far more common. A good place to start your search for state programs is the local home buying page maintained by the Department of Housing and Urban Development (HUD).

Mortgage Interest Credit

The other type of credit that’s available on federal taxes is the mortgage interest credit. It’s intended to help low-to-moderate income families afford homeownership. Unlike the mortgage interest deduction, which we’ll discuss below, this can directly lower your tax bill.

In order to claim the deduction, you have to get a mortgage credit certificate (MCC) from an authorized state or local government agency. The credit is limited to up to $2,000.

What Is Tax Deductible?

Tax deductions aren’t money you get back on your refund, but they do reduce your taxable income, thereby potentially lowering your tax bill. Let’s go over some of the deductions homeowners can take.

Mortgage Interest

A new mortgage means a little more work for you when it comes time to file your taxes. However, the extra work is worth it in the end. Perhaps the most important tax deduction you need to be aware of is your mortgage interest. At year-end, check out Form 1098 from your lender to see how much mortgage interest you’ve paid.

In most cases, mortgage interest is fully deductible. There are limits, though. First, the mortgage has to be for the purpose of building, buying or remodeling your home. This is referred to as home acquisition debt. You can also only deduct interest on your primary home and a single vacation residence.

Secondly, there are limits on the amount of the mortgage you can take out.

Because of changes that came in with last year’s Tax Cuts and Jobs Act, if you got a mortgage on or after December 15, 2017, the limit on the amount of mortgage debt you can claim this on is $750,000 for single people, heads of household or joint filers (or $375,000 for people who are married and filing separately).

If you purchased your home before that date, your grandfathered in under the old limits, which were $1 million or $500,000 if married and filing separately.

If you take the mortgage interest credit mentioned above, you can still deduct your interest, but you need to reduce the deduction by the amount of the credit.

Mortgage Points

Simply put, mortgage points are prepaid interest. You can purchase points to lower your interest rate when you get your loan. By purchasing points, you can save money in the long run if you stay in the home for a certain period of time, depending on the amount of points you purchase.

For example, if you have a $200,000 mortgage and buy two points, you’ll owe $4,000 for those points at closing. (Each point is 1% of the value of your mortgage.) If buying the points lowers your payment $250 a month, you’ll have to stay in your home for at least 16 months to break even. After that time passes, you’ll start putting money back in your pocket.

One thing to note is that you can’t deduct mortgage points all at once in the vast majority of cases. You have to spread the deduction over the term of the mortgage. There are limited exceptions.

State and Local Tax Deductions (SALT)

You can also deduct your state and local taxes as well as real estate taxes. There’s now a limit of $10,000 on this deduction. Previously, you could deduct every dollar of state and local taxes.

Is PMI Tax Deductible in 2018?

For right now, private mortgage insurance (PMI) isn’t deductible for the 2018 tax year. The same is true for mortgage insurance premiums (MIP) on FHA loans and USDA guarantee fees.

Rep. Julia Brownley of California has introduced the Mortgage Insurance Tax Deduction Act of 2019. It seeks to make the mortgage insurance deduction permanent for the majority of Americans. In its current form, the bill would make mortgage insurance deductibles retroactive to this year.

It should be noted that this has just been introduced in the House of Representatives and referred to the United States House Committee on Ways and Means. If it gets out of there, then the whole House has to approve it. Then it goes over to the Senate and the whole process starts all over again. If the Senate passes it and there are no differences in the bill, it goes directly to the president for his signature. If there are differences in the House and Senate bills, a conference committee has to hammer out a compromise bill that gets passed by both chambers which then gets sent to the president.

If the president vetoes the bill, it can still go into effect if passed by a two-thirds majority of both chambers of Congress. This is a good summary of the process.

Sorry about the mini government lesson. But it was a long way of saying that while there’s still hope that mortgage insurance fees for this year might be tax-deductible, there’s still a ways to go.

Are There Any Tax Breaks for Homeowners?

We’ve included this category because this last tip doesn’t fall into being a credit or deduction.

You can withdraw from your IRA once in order to fund a down payment as a first-time home buyer. If it’s a traditional IRA, you’ll need to pay income tax on the withdrawal, but there’s no penalty. If it’s a Roth IRA, you don’t have to pay income tax on the withdrawal because you paid income tax already when you put in the money.

You can also borrow from your 401(k), but you do have to pay it back.

While we’ve tried to provide in general tax advice here, everyone’s situation is different. If you have any doubts, please feel free to consult a financial advisor, tax professional or tax preparation software.

The post Are You a First-Time Home Buyer? Take Advantage of These Tax Deductions! appeared first on ZING Blog by Quicken Loans.

from Updates About Loans https://www.quickenloans.com/blog/first-time-home-buyer-tax-deductions

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Are You a First-Time Home Buyer? Take Advantage of These Tax Deductions!

Purchasing a home is a life-changing event. You’re suddenly responsible for a number of things you may not have been responsible for if you rented in the past, including mowing the lawn, shoveling the driveway or repairing a leaky roof. There’s a whole other aspect to owning a house apart from a few additional chores, though. Your home also affects your taxes.

If you’re already a homeowner, this probably isn’t news to you. However, if you’re in the market for your first home, I’ve got some valuable information for you. Below you can find information about what you can and can’t deduct, available tax credits and other tips for you to become a tax savvy homeowner!

Do You Get a Tax Credit for Buying a House?

The answer to this question is maybe. It depends on what you qualify for, and things are a bit nuanced. For now, let’s start with a more basic question: What is a tax credit?

Tax credits are items that’ll lower your overall tax bill. These credits can be refundable or nonrefundable.

Nonrefundable tax credits can be used to reduce someone’s individual tax liability down to $0. This means that if you owed $500 in taxes and qualified for a $700 credit, you wouldn’t owe any taxes, but you also don’t get the $200 back. In contrast, if the credit is refundable, you’re entitled to the full amount if you qualify no matter what your tax bill is. This can be used to increase the size of your refund. For that reason, refundable credits are considered to have the biggest benefits for the taxpayer.

Is There a Tax Credit Available for First-Time Home Buyers?

When it comes to your federal taxes, the answer to this question is technically yes. Although the refundable first-time home buyer tax credit existed between 2008 and 2010, if you entered into a contract to buy a primary residence before April 30, 2010 and closed by September 30 of that year, you may still be eligible if you’ve never claimed the credit before.

If you bought a home in 2008 with the credit, it functions like an interest-free loan. If you claimed the full amount of the credit, $7,500, you have to repay it in $500 installments over the next 15 years, beginning with the year after the credit is claimed. We have more information on repayment.  If the house season is to become your primary residence at any point during that 15-year period, whatever balance you have left is owed on your next tax return.

If you bought a home in 2009 or 2010, you don’t have to repay the credit unless you stop using the home is your primary residence within three years of the date you closed. If you did, you pay off the full balance.

Individual states may have their own credits available for first-time home buyers, but down payment assistance is far more common. A good place to start your search for state programs is the local home buying page maintained by the Department of Housing and Urban Development (HUD).

Mortgage Interest Credit

The other type of credit that’s available on federal taxes is the mortgage interest credit. It’s intended to help low-to-moderate income families afford homeownership. Unlike the mortgage interest deduction, which we’ll discuss below, this can directly lower your tax bill.

In order to claim the deduction, you have to get a mortgage credit certificate (MCC) from an authorized state or local government agency. The credit is limited to up to $2,000.

What Is Tax Deductible?

Tax deductions aren’t money you get back on your refund, but they do reduce your taxable income, thereby potentially lowering your tax bill. Let’s go over some of the deductions homeowners can take.

Mortgage Interest

A new mortgage means a little more work for you when it comes time to file your taxes. However, the extra work is worth it in the end. Perhaps the most important tax deduction you need to be aware of is your mortgage interest. At year-end, check out Form 1098 from your lender to see how much mortgage interest you’ve paid.

In most cases, mortgage interest is fully deductible. There are limits, though. First, the mortgage has to be for the purpose of building, buying or remodeling your home. This is referred to as home acquisition debt. You can also only deduct interest on your primary home and a single vacation residence.

Secondly, there are limits on the amount of the mortgage you can take out.

Because of changes that came in with last year’s Tax Cuts and Jobs Act, if you got a mortgage on or after December 15, 2017, the limit on the amount of mortgage debt you can claim this on is $750,000 for single people, heads of household or joint filers (or $375,000 for people who are married and filing separately).

If you purchased your home before that date, your grandfathered in under the old limits, which were $1 million or $500,000 if married and filing separately.

If you take the mortgage interest credit mentioned above, you can still deduct your interest, but you need to reduce the deduction by the amount of the credit.

Mortgage Points

Simply put, mortgage points are prepaid interest. You can purchase points to lower your interest rate when you get your loan. By purchasing points, you can save money in the long run if you stay in the home for a certain period of time, depending on the amount of points you purchase.

For example, if you have a $200,000 mortgage and buy two points, you’ll owe $4,000 for those points at closing. (Each point is 1% of the value of your mortgage.) If buying the points lowers your payment $250 a month, you’ll have to stay in your home for at least 16 months to break even. After that time passes, you’ll start putting money back in your pocket.

One thing to note is that you can’t deduct mortgage points all at once in the vast majority of cases. You have to spread the deduction over the term of the mortgage. There are limited exceptions.

State and Local Tax Deductions (SALT)

You can also deduct your state and local taxes as well as real estate taxes. There’s now a limit of $10,000 on this deduction. Previously, you could deduct every dollar of state and local taxes.

Is PMI Tax Deductible in 2018?

For right now, private mortgage insurance (PMI) isn’t deductible for the 2018 tax year. The same is true for mortgage insurance premiums (MIP) on FHA loans and USDA guarantee fees.

Rep. Julia Brownley of California has introduced the Mortgage Insurance Tax Deduction Act of 2019. It seeks to make the mortgage insurance deduction permanent for the majority of Americans. In its current form, the bill would make mortgage insurance deductibles retroactive to this year.

It should be noted that this has just been introduced in the House of Representatives and referred to the United States House Committee on Ways and Means. If it gets out of there, then the whole House has to approve it. Then it goes over to the Senate and the whole process starts all over again. If the Senate passes it and there are no differences in the bill, it goes directly to the president for his signature. If there are differences in the House and Senate bills, a conference committee has to hammer out a compromise bill that gets passed by both chambers which then gets sent to the president.

If the president vetoes the bill, it can still go into effect if passed by a two-thirds majority of both chambers of Congress. This is a good summary of the process.

Sorry about the mini government lesson. But it was a long way of saying that while there’s still hope that mortgage insurance fees for this year might be tax-deductible, there’s still a ways to go.

Are There Any Tax Breaks for Homeowners?

We’ve included this category because this last tip doesn’t fall into being a credit or deduction.

You can withdraw from your IRA once in order to fund a down payment as a first-time home buyer. If it’s a traditional IRA, you’ll need to pay income tax on the withdrawal, but there’s no penalty. If it’s a Roth IRA, you don’t have to pay income tax on the withdrawal because you paid income tax already when you put in the money.

You can also borrow from your 401(k), but you do have to pay it back.

While we’ve tried to provide in general tax advice here, everyone’s situation is different. If you have any doubts, please feel free to consult a financial advisor, tax professional or tax preparation software.

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