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plusfl · 3 years ago

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Private Home Sales

What is “Private Listing”, a “Pocket Listing”, or a “Whisper Listing”?

We are increasingly being asked “what is a Private Listing”, “what’s the benefit”, and “how do they work”. In South Florida there are a significant number of unique estate homes and ultra-luxury properties that would be better served sold and bought via a private listing, marketing and sale. There is tremendously large number of buyers that come to town and specifically ask us “what is off market that we can see” and home owners are asking “what can we do other than list our home in the MLS”.

Have you ever been to a fine restaurant, the host is handed the wine list then asks “do you have a private list?” The host knows that the Sommelier usually has a private stock of rare, unique, or ultra-expensive wines “in the back room” or something special from a wine distributor. Just as the Chef may have a special cut, is playing with a potential new menu item, or there’s a “whisper rumor” of “you must ask for the Chilean Sea Bass with the Lemon Tarragon Saffron Sauce, it’s not on the menu”.

There are a couple significant criticism of this strategy that needs to consider: That a private listing only benefits the agent and hurts the client because the agent receives the sell side and buy side commissions and that the lack of mass public advertising limits the number of prospective buyers. THIS IS NOT THE CASE. 1) THERE WILL BE A SIGNIFICANT PASS THROUGH COMMISSION OFFERED TO ANY BUYING AGENT, 2) IN MANY CASES THE PASS THROUGH COMMISSION WILL BE GREATER THAN THE COMMISSION THE SALES AGENT RECEIVES, 3) THE SALES AGENT UTILIZES ALL AVENUES TO SELL THE PROPERTY, INCLUDING THEIR OWN CLIENT NETWORK AND THEIR PROFESSIONAL AGENT NETWORK - THEY ARE PROFESSIONALS AT SELLING THE PROPERTY TO OTHER HIGHLY QUALIFIED AGENTS, 4) IN THE EVENT THE SALES AGENT ORIGINATES A BUYER - ALL PARTIES MUST AGREE IN WRITING, AND 5) THE PURPOSE OF A PRIVATE LISTING IS TO KEEP THE CASE OUT OF THE PUBLIC EYE (SEE CONFIDENTIALITY AND PRIVACY BELOW).

EXAMPLES:

The two most expensive U.S. home sales on record, the $117.5 million Woodside estate and billionaire Yuri Milner’s $100 million Los Altos Hills, Calif. mansion, were both sold via private marketing and sales. Many other significant homes have sold privately in recent years, at record breaking prices. Hedge fund billionaire and Sears Holdings Chief, Eddie Lampert, plunked down $38 million on a Miami estate on exclusive Indian Creek Island that hadn’t been listed for sale. In Naples Florida, two notable homes on the same street sold privately with in weeks of each other, each breaking the $40 million barrier. Another hedge fund billionaire John Paulson spent a combined$49 million on the Hala Ranch and an adjoining property in Aspen, Colo.; once listed for $135 million, the 56,000-square foot manse hadn’t publicly been on the sale block since the beginning of the economic downturn. Ken Griffin, another hedge fund billionaire, paid $15 million in the most expensive condo purchase in Chicago history, on a Park Tower penthouse that had been marketed privately. A massive oceanfront estate in Malibu, Calif. owned by finance billionaire Howard Marks fetched $75 million from an anonymous Russian couple in the city’s largest sale to date.

WHAT IS A PRIVATE LISTING?

Private listings (also known as “pocket” listings, “whisper” listings, “quiet” listings, and “rumor” listings) Property information about these off-market listings is passed through a private network of in-the-know realtors and select clients. An agent who keeps the listing in his or her “pocket” gets word out through a number of alternative means, including open house and private tours.

Private listings refer to homes being sold without being listed on the Multiple Listing Services (MLS). This strategy has been popular for years among celebrities and the wealthy seeking to shield their privacy. They increasingly are used by a broader segment as the demand for privacy increases, the buyer’s desire for a rare and unique opportunity, the uniqueness of homes are significant, and financial transactions become more complicated.

Essentially it's a private marketing and sales plan. Instead of a broad and public display of the homes information, agents restrict access to information about the house to their vetted buyer clients and their network of other worldwide affluent agents including real estate agents, lawyers, money managers, personal business managers, accountants, sports and celebrity agents, friends, and family. Such properties aren’t advertised to the public but pitched mostly by word-of-mouth among tight-knit networks of agents and their clients. Additionally, private listings generate an air of exclusivity.

WHAT’S THE BENEFIT?

1. Confidentiality

Your business is not everyone else’s business. Somehow the fact that a property is for sale, the asking price, the terms, and the ultimate sale has a way of finding the public domain. Many sellers and buyer do not wish that the public, family, friends, colleagues, country club members, or anyone else to know about their real estate activities or asset management. More than privacy, confidentiality serves folks whom wish to keep transactions, sale prices, terms, and financial profiles private and confidential.

Entering into a private listing agreement and conducting a private sale or purchase serves folks whom wish for confidentiality by not listing the property in the MLS. Offering price, sale price, and financial terms are not released to the public domain and the data is kept in the highest regards with the professional agents whom serve the clients. Identity, buyers wants, the property location, and other data may be withheld until all parties are qualified and vetted. Confidentiality and privacy is not only important to celebrities and sports figures but also to executives, medical professionals, heirs, estranged family situations, estranged spousal situations, politicians, foreign diplomats, foreign investors, institutions, hedge funds, and folks whom simply want to keep their business private and confidential. (See Privacy)

2. Privacy

In today’s technology world there are many websites devoted to tracking the whereabouts of business leaders, celebrities, sports figures, high net worth families, physicians, politicians, entrepreneurs, and anyone with a degree of success or intrigue attached to them. One can find addresses, images, home details, property values, tax information, financial profiles, net worth, compensation, and with the amount of data “leaked” or “hacked” additional private information seems to find its way into the public web.

Private listings protect seller’s privacy. Once a listing enters the MLS – and the accompanying national listing platforms like Realtor.com and Zillow.com – the details (which can include address) and images become the property of other platforms and essentially enter the public domain, meaning they can become easily shared by, for example, media outlets, gossip magazines, business publications, and sports publications. Sellers at the wealthiest end of the market spectrum often will list privately so they can avoid this unwanted forfeiture of their privacy.

3. Valuation - Unique, Rare, and High Valued Properties that require special consideration

Unique properties such as luxurious, waterfront, location, historical, new construction, remodeled, ornate, size, design, acreage, architecturally stunning, one of a kind, and owner profile – may not be easily valued based on typical factors. In many cases the construction or replacement cost may not be what the market would consider to be fair value.

Private listings should be accompanied with a due diligence packet including a valuation report that is backed by both facts and emotions. Such a valuation requires science and art in order to set seller expectations and to create a defendable presentation of price justification. Buyers or these types of properties will initially select a property based on emotions then conduct financial analysis and negotiations.

4. Sale Price

With a private transaction strategy the agreed upon sale price and terms is typically higher than a home that has been listed in the MLS for several years and has had several price reductions. The typical true carrying cost on luxury properties in 1.2% per month.

The sale price for unique properties is simply a “meeting of the minds”. Generally each party is financially secured and accomplished, has a key advisor acting as a sounding board, the buyer is typically a “cash buyer” with liquidity or borrowing power, neither party is needing to sell or buy a property, and once an agreement is made both sides are eager to close on the sale. These facts present an interesting set of challenges.

In a private transaction it is not uncommon for the broker to act as a mediator between the parties and arrange a meeting with all parties, a negotiation, which usually results in a successful agreement whereby everyone is pleased and honored.

5. Deal & Financial Structure (See Confidentiality & Privacy)

In any real estate transaction private financial data is exchanged. In larger priced real estate transactions there is a high percentage of cash transactions. Many buyers will borrow against other assets or securities as to not carry a mortgage on the property being acquired. The buyer may be an overseas investor, there may be some creative financing between the parties, there may institutions involved, or any number of other factors that require sophisticated financial understanding and counsel.

In a private transaction, by nature, both parties seem to have a higher tolerance for creativity and risk/reward. In a private setting price, terms and conditions can be settled and agreed upon quickly and in a professional manner. The data is not released to the public via the MLS as the MLS requires strict updates pertaining to seller identity, buyer identity, asking price, sale price, active status, contingent status, pending status, closing status and price, closing date, and disclose if transaction is a “cash” or “financed”.

6. Open House Traffic & Drive-Bys

Some sellers, particularly wealthy ones, don’t want to go through the hassle of listing properties and holding open houses, where dozens of people trample through, often with no real intent of buying. The fact of the matter is that 99.5% of the open house traffic only benefits the real estate agent as they use the luxury listing to capture sales leads. Additionally, open house traffic spends more time looking at photos, art, and other personal lifestyle insights that are in view at the home. When a home is listed in the MLS the address is disclosed and for a luxury home the owners will see increased auto and pedestrian traffic, typically from sight seers and the curious.

Private listing approach might make sense when the property’s “wow factor” (the price and the property itself) might draw more curious window-shoppers than actual serious buyers.

7. Well Qualified and Vetted Prospective Buyers

By nature of the private listing and the listing agent’s network, buyer prospects are highly qualified. Private sales agents, both on the sell side and buy side, will attest to the seriousness and capability of each prospect that receives significant data and tours the property. In some cases it may be acceptable for parties to enter into a Confidentiality Agreement before in-depth due diligence is conducted.

8. Test the Market

The MLS is a great tool for the majority of homes for-sale and really is beneficial for selling, but it’s geared toward a more generic search. Most luxurious, estate, and truly unique properties fall outside of the scope of the MLS. An estate that is privately listed for-sale may be public knowledge, but generally a qualified buying prospect is not searching the MLS, zillow.com, realtor.com for this type of estate.

Private listings are a great way to test a unique property’s marketability. The seller may want to measure the market demand as an early step in the overall marketing plan. Private listings let sellers test and evaluate the market when the agent introduces the property to select buyers and buyer’s agents and feedback, interest levels, and activity are measured. Then the seller and agent may make necessary adjustments to the marketing plan without having the property displayed in the public eye.

At the highest level of the “trophy home” market, luxury homes are fetching record breaking prices even without a bidding war. These multimillion-dollar homes are not bought and sold the way more modest homes are marketed. If a buyer can easily find a home’s value using the MLS (by looking at market comps), the seller will fare best listing on the open market.

9. Stigmatization – Negative

Private listings reduce the risk of a property becoming stigmatized if it is advertised publicly, if the property is listed for-sale for extended periods of time, if the property is listed, removed and re-lists, and the property has had multiple price adjustments up and down, which can all depress the value.

Private listing properties aren’t subject to a running count of the number of days it has been listed as it would in an MLS. An overpriced listing with a high “days on market” number will attract low offers. Stale listings look bad, pure and simple. Buyers don’t really know how long a private listing has been on the market, so the stigma of remaining unsold for great lengths of time doesn’t apply.

10. Stigmatization – Positive Private listing carry a certain stigma of the “wow” factor, exclusivity, the “rich & famous”, wanting what may not be available to others, luxurious, rare, and creates a sense of urgency to the buying prospect. These are difficult emotions to generate when a home is listed in the MLS, Zillow.com, realtor.com, luxury.com, and 100 other real estate websites. This is comparable to the “whisper rumor” of a hot stock before publically releasing year end numbers.

All of these facts listed above can be the secrets to selling and buying luxury and unique properties. Some or all of these may appeal to home owners and buyers but this approach should not be taken lightly and careful consideration must be given to clients’ needs and wants.

HOW DO THEY WORK?

For a Buyer

Find an agent whom specializes in these types of transaction in the area you are looking for. This agent is well connected with the business side of the seller’s network and activities not necessarily connected with the social side where there’s more hear-say, gossip, and rumors. Large and sophisticated transactions require a serious and professional relationship. The buyer should expect to be asked to sign an “Exclusive Buyers Representation Agreement”, which may need to be modified if the agent brings both sides together.

For the seller

The first step is for the seller to considering how serious they are about selling the property and what the property is worth to them. Then meet with an agent whom works with private transactions, knows the local market, knows ultra-luxury, and has referrals - to discuss the seller’s wants and needs. This should be a general discussion and explore the sense of a business relationship. Once the initial step is taken move into valuations, expectations, marketing scenarios, and agreement structure. The initial phase takes 1 – 4 weeks.

A marketing and sales plan is developed and agreed upon by the seller and the agent. This plan may include seller’s requests pertaining to privacy and qualifying buyers, premarketing activities, marketing, measurable and metrics, evaluation points, pivot points, expenses, and the desired sale time and price.

The agent and their team will prepare all necessary marketing and sales material and follow a strict flow and timeline. The marketing will commence and the seller should expect action, results, and quality communications.

When an offer is presented the agent will provide data, recommendations and negotiations, facilitate any meetings, obtain all necessary signatures, and have a team of professional real estate lawyers and title companies prepared to execute the agreement.

At Plus Realty we serve sellers and buyers of unique and luxury properties in South Florida. We are experts in the fields of Private Listings & Marketing, Traditional Listings, and Exclusive Buyer Representations. We have closed more private transactions than any other Brokerage in SW Florida. We bring over 50 years of experience in real estate, construction & remodel, business development, finance, venture, real estate, and private investing, start-up companies, venture funding, fortune 100 company partnerships, buying/selling auctions, and networking.

Consider us to serve you with your real estate wants and needs. Should you be interested in private sales, private purchases/inventory, or acquiring your dream S. Fla. property – please contact us for a private and confidential conversation. We hope you enjoy our letters and we look forward to working for you.

Plus Realty

Serving Clients Real Estate Needs in:

Sanibel & Captiva

Fort Myers, Bonita, & Estero

Naples

Miami – Ft. Lauderdale

Mike Stone

239-322-0044

[email protected]

www.plusfl.com

#Realtor #real estate #realty #Fort Myers #Sanibel #captiva #Cape Coral #estero #Bonita #Naples #Miami #ftlauderdale #homes for sale #home value #private sales #confidential #condo for sale

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larry-lynch-blog · 5 years ago

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The Ultimate Primer To New And Pre-Construction Real Estate

Are you thinking about purchasing or investing in new construction?

With a growing interest and a larger new construction market, more buyers are opting out of resale and turning to pre-construction.

But buying pre-construction is a lot different than purchasing a previously owned home. From delays and financing to choosing the right location and builder, there is a huge number of factors you need to be aware of and understand in order to make an informed decision.

In this article, we’ll cover 7 steps to consider before purchasing a new construction home.

1. Get a Real Estate Agent

First and foremost, whenever you purchase any property, you should always hire a qualified real estate professional. Just as the builders always have someone looking out for and protecting their interests, you need someone to protect yours.

And if you’re concerned about money, good news! As a buyer, it won’t cost you anything to use a realtor, since the builder is the one that pays the agent’s commission.

Your real estate agent will provide you a broad range of new construction information including whether purchasing a new construction home is right for you or whether you should go the resale route.

This realtor will also be able to give you contacts for qualified mortgage brokers to help you finance your home, as well as real estate lawyers that can review your contracts. Your real estate agent will help negotiate terms and upgrades with the builder for you and will be there to answer any questions you may have throughout the entire process.

Of course, you shouldn’t just hire ANY real estate agent. It should be one that has plenty of experience in new construction and has built strong relationships with builders in the area.

For more visits:Tyler Texas Real Estate

2. Choose a Builder With a Great Track Record

When purchasing new construction, (especially when it hasn’t been built yet) there’s always a level of risk involved. In essence, you’re making a purchase based on a promise. That’s why it’s essential that you choose a reputable builder with a strong track record of successful developments.

Construction experience is crucial when it comes to home development. It’s essential that you investigate how long the builder has been in the business, and how do their customers feel about their project.

Typically speaking, the longer a builder has been around, the better. That is not to say that new builders are not good. But longevity indicates that the builder has survived market downturns, and continues to do well.

Study past developments the builder has completed, and pay special attention to reviews from current owners, both positive and negative.

Next, take the time to actually go and see the properties they have built. If possible, talk to some of the owners in person. Let them know you are looking into purchasing a new construction home in the area and wanted to find out their experience with the builder.

Your real estate agent will also guide you in the right direction in terms of which builders have a good reputation and are known for quality and integrity in the business.

For more visits our sites:East Texas Real Estate

3. Study The Model Home

When you are purchasing new construction, most builders will have a model home. This model home will give you a great opportunity to see what the builder’s capabilities are in terms of craftsmanship.

As you’re taking the tour of the model home, make sure you ask lots of questions, and inquire about which features and finishes are standard and which ones are upgrades.

That’s because most developers will put all of the upgrades in a model home, which if you decide to add them to your home, they could bump up the listing price up by tens of thousands of dollars above the standard listing price.

For more visits:South Tyler Homes

4. Consider The Pros And Cons of New Construction

To some buyers, resale seems the obvious choice as they are not able to wait up to or more than a year for their home. But to others, having a custom-designed, brand new home make waiting that extra amount of time more than worth it.

But whether you should go the resale or new construction route would depend on your personal preferences and financial situation.

“Benefits of new construction include home and structural warranties, energy efficiency, and the latest building code,” says Mel Biondi, a top real estate agent in Naples Florida. “The drawback to new construction are most likely proximity to shopping, dining, entertainment, and work. In coastal areas like Naples, developers have to move further East from the coast to purchase plots of land for development. Buyers in these areas will have to weather the growing pains while commercial development catches up to serve the community needs.”

If you take the resale route, you’d be able to move in within a few months to a home with a lawn, gardens and finished amenities. The area will likely be developed as well in terms of sidewalks, parks, schools, restaurants, and shopping. And getting a mortgage to finance the home will be much easier as well. And best of all, you will be paying today’s market value, not a future projected value that some builders charge.

But with resale comes a lot more repairs and maintenance. There may be undiscovered issues with the home which didn’t show up during its evaluation, and you will have no warranty. Adding to that, any renovations or design changes you want to make to the home will be out of pocket.

But if you take the new construction route, you’ll be able to have a custom-designed, brand new home with next to no repairs or maintenance and warranty to cover you.

One of the biggest downsides is, of course, the amount of time it will take for it to be built. And even once the home is finished, don’t expect the neighborhood or surrounding areas to be developed either. There will likely be dirt roads, empty lots, noisy construction and few if any parks and trees.

Closing costs could also run you tens of thousands of dollars on the purchase price and you will be paying the projected appreciation on day of signing.

Weighing the pros and cons with your realtor will help you understand what is important to you and what choice makes the most sense for you.

For more visits:White House Homes for Sale

5. Get Your Finances In Order

One of the biggest differences between purchasing pre-construction vs resale is the way the properties are financed.

On a resale property, you may be able to put down as little as 1-3% as a down payment. But on pre-construction, you may need to have at least a 20% down payment.

That amount may seem large to put up front, but that down payment is typically broken up into smaller installments.

Usually, you’re expected to put down a few thousand dollars with the offer, then certain percentages at fixed times (such as 5% in 30 days, 5% in 90 days, 5% in 180 days), and finally a certain percentage at occupancy.

Deposits are usually higher at the beginning of the project since this is usually a requirement from the bank financing the project. But as the project nears completion, deposit structures become more negotiable, and you might be able to extend or even reduce your payments.

It seems obvious that regardless of purchasing a new home or a pre-existing one, you would make sure you have financing prior to looking. But if you have been pre-approved or financed for resale, it may not cover you for new construction.

Firstly, when you receive your pre-approval you are given a certain rate which likely will not last longer than 90 days. New construction can take more than a year to be built in which case your rate would no longer apply.

Secondly, your circumstances can change within the timeframe the home is being built. In a year you could lose your job, get relocated or separate from your partner in which you purchased the home with. If your circumstances change, so will your ability to close on the home, making it more risky for lenders to guarantee financing for such a substantial amount of time.

Thirdly, with new construction, you are likely making the deposits on the home throughout the year as opposed to already having the deposit saved. And you may only have to put 5% or 10% saved which is riskier for a bank to finance you.

Your realtor will be able to go over your finances with you to help you understand how much you are able to afford and how much you will need to save in order to make the deposits for your new construction home. They will also be able to refer mortgage brokers or guide you towards which banks are offering the most competitive rates.

6. Decide on the Location

When choosing your location, factors you might want to factor in are proximity to work, access to schools if you have children, strata fees, available amenities and access to surrounding amenities such as restaurants or parks.

And the location you pick will dictate the price point you are looking at. That’s because location is one of the biggest factors influencing price.

Look at any major metropolitan city anywhere in the world. The closer you are to the center of it all, the more difficult it gets to build new development, and thus the more expensive real estate gets. And as you venture out to the suburbs or ‘greater area’ of the city, prices tend to drop for comparative properties.

Factor this in when looking at pricing. You can get a lot more value for your money if you are willing to be a little further from the action.

Also, make sure you don’t overlook future developments in the area. You can get a lot of this information from your local city hall which will likely have a five-year plan for the surrounding area. This information will detail future schools, parks, stores, and transportation.

7. Negotiate On Upgrades, Not Price

The majority of builders are not typically willing to sell their units below their listing.

However, there’s a better chance they would be willing to negotiate on other things that will cost you money, such as upgrades, closing costs, furniture, appliances, etc.

You might also be able to negotiate on your deposit structure. Having to put down less down on the home will give you more time to save or give you the ability to finance a larger portion of the property.

You could save on closing costs (this is addressed in the hidden cost part of the article). And you can also ask for a cashback on closing, as opposed to having money taken off the purchase price.

If the developer agrees to any change in terms, make sure to have it in writing, usually done by an amendment to the contract, and signed by both you and builder.

Again, here is another place where your real estate agent will be instrumental. Your agents will know how to negotiate and where they can negotiate.

Thank you!

#realyestate #Tyler Texas Real Estate #East Texas Real Estate #South Tyler Homes #Tyler Homes for Sale #White House Homes for Sale #Flint Homes for Sale #Bullard Homes for Sale

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bestlawfirminanekeny-blog · 5 years ago

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Real Estate Attorneys

Have you decided to take the big step of buying a home or selling your valued property? No matter if your recent purchase is bigger or small, buying or selling real estate isn’t a simple process. There are many laws that dictate the specifics that most of you aren't acquainted with.

In such a case, a real estate attorney comes handy. You should consider hiring an experienced real estate agent to guide you through the legal process in the real estate industry. For any real estate expertise in Iowa, you should consider hiring Mark Gray – the best law firm in Ankeny.

Who are Real Estate Attorneys?

Real estate attorneys or real estate lawyers are legal professionals who specialize in the legal aspects of buying and selling real estate properties. A real estate lawyer may assist in many transactions associated with the transfer of property.

Many states in the US require the presence of a real estate during the transaction of real estate property namely

· Alabama

· Connecticut

· Delaware

· D.C

· Florida

· Georgia

· Kansas

· Kentucky

· Maine

· Maryland

· Massachusetts

· Mississippi

· New Hampshire

· New Jersey

· New York

· North Dakota

· Pennsylvania

· Rhode Island

· South Carolina

· Vermont

· Virginia

· West Virginia

Although your state may not require a real estate attorney to be present during the time of the transaction you will still be required to hire one to assist you with legal formalities and processes. Consider the best law firm in Ankeny for real estate expertise in Iowa. Keep in mind that having someone who is experienced with the law on your side may help you avoid any legal problems that can cause delays to your closing, and save you money in the long run.

Why do you need a Real Estate Attorney?

According to Iowa State Law, you can purchase and/or sell a residence by using a real estate licensee. Licensee is basically a salesperson or broker. However, a licensee can only help you during the transaction.

There are real estate documents that cannot be prepared by real estate licensees. Essential documents such as deeds, installment contracts, etc. are to be prepared by a real estate attorney. Realtor, Real estate licensee, agent, and attorney play different roles to assist you in the purchase or sale of your property.

·They document and review real estate transactions, including purchases, leases, inspections, and appraisals.

·They help to resolve title insurance and environmental issues related to real estate law.

·When things take a wrong turn in transactions, real estate lawyers step in to file and defend lawsuits in court. They also assist in dealing with the legal aspect of rental property and defend the rights of owners, landlords, renters, and tenant.

·They also specialize in land use, zoning, property development, property taxes, deeds, titles, and foreclosure.

Why would you need a Real Estate Attorney?

Although they specialize in and apply their legal skills to matters related to real property, there are some essential things they broadly cover.

a. Buying

Buying a new home or a property can be a serious task that requires an acute sense of expertise, especially for first-time buyers. After you’re done meeting realtors or agents and decide to buy a new property, you should consult with the real estate attorney to expedite the buying process. A real estate lawyer can help you understand the purchase agreement, prepare and process all legal documents, review closing documents prior to signature, and ensure that you receive the valid registered ownership of the new home.

According to IowaRealtors.com, Home sales grew by 3.2% in 2017 with 44,023 homes sold compared to 42,671 in 2016.

b. Selling

Like buying, selling can be a daunting task that requires a sound knowledge of the market, taxes levied on selling properties, agreements and other legal documents. Although it isn’t necessary to place a real estate agent during the transaction in Iowa, you would still require their expertise to ease the process.

A Real estate attorney can help you draw up legal documents, review any essential document that requires a signature, arrange for the transfer of deposits/security, and make arrangements for insurance verification. Although a lawyer performs fewer duties in the selling of a property than in the buying process, you would still require their expertise.

May 2019 Property Market Indicators for the State of Iowa

New Listings increased 5.4 percent for Single-Family Detached homes but decreased 2.8 percent for Townhouse-Condo homes. Pending Sales increased 1.1 percent for Single-Family Detached homes but decreased 10.1 percent for Townhouse-Condo homes. Inventory increased 4.5 percent for Single-Family Detached homes and 1.7 percent for Townhouse-Condo homes. (iowarealtors.com)

c. Benefits

Other than just buying and selling homes, real estate attorneys are beneficial for many reasons. They can be your front guy during any transaction. Their legal expertise and authority can help ease lots of processes.

They can also help simplify the legal jargons involved with real estate, tax, and state laws to make the process much less stressful.

Real estate lawyers may also help ensure that the client is legally covered (financially secured) during the entire deal.

According to the new state law authorized in 2018, Iowa will offer a 10-Year Tax-deductible saving account to go towards the purchase of the first home in Iowa.

d. Expense

Real estate attorneys do not come cheap. The clean and easy finish of work requires great expertise and effort that comes for a price. Attorneys can differ in their pricing strategy that is determined by the kind of deals they’re involved in. Some may charge flat fees while others may charge by the hour.

Be prepared to pay them a fee nonetheless. Most attorneys require payment regardless of whether the deal closes or not. Although retaining an attorney for real estate deals can be an added cost, the benefits far outweigh the costs and could save money in the future.

Most attorneys charge on an hourly basis, while others may charge for the whole process. The fringe charges may range from $150-$300.

Be prepared to pay anything from the US $500 - $1500 for a wholesome attorney job.

Real Estate Issues while Buying a Home

There are many issues that you must consider when purchasing a residence. These can apply when you purchase a property without the assistance of a realtor as well as FSBO 'For Sale by owner.'

The cost of living in Iowa is 89.5, i.e. Iowa is cheaper than most other states in the U.S. The median home price in Iowa is $141,000.

i.Offer and acceptance or real estate sales contract

Under the real estate law of Iowa, a contract for the sale of the home is only binding if it is in writing signed by the parties. Since the sale often involves a huge sum of money and the legal issues can be complex, hiring an attorney to review the sales contract becomes essential.

ii.Disclosure Requirements

A seller is required to submit the ‘Residential Property Seller Disclosure Statement form’ in accordance with the law of Iowa to the buyer once the buyer tenders an offer to purchase a house. It should be completed by the seller to the best of their knowledge. Both buyer and seller during the time of the transaction or before should sign two copies of the form and each should retain a signed copy for any future legal complications.

iii.Closing Process

Once an offer to purchase is accepted, the seller will need to locate the abstract of title for the real estate and get it updated and extended by an abstract company. The abstract lists all of the documents (e.g., deeds, mortgages, etc.) that are part of the public record at the county recorder’s office, the courts, and other government offices that affect title to the property.

iv.Closing Statement

If you’re a Buyer, and you have a lender who is providing financing then normally the lender will prepare a closing statement that reflects the purchase price, applicable credits (like accrued taxes, transfer taxes, earnest money, etc.), and the amounts due to seller at closing.

For Tax Purpose

The property taxes paid in September and March each year are actually for the prior fiscal year ending June 30 hence property taxes are always one year behind. Accrued and prorated property taxes are normally taken as a credit by the buyer against the purchase price.

v. Pre-closing

The condition of the title (as shown in the abstract) can change between the date and time of the last extension of the abstract, which is usually recited in the title opinion, and the date of closing. As part of the closing, buyers should obtain from the abstract company an oral update summarizing whether there have been any changes to the condition of title.

vi.Post-closing

After closing, the buyer or the buyer’s lender will want to record the deed, DOV, and GWHS. The abstract should be kept by the buyer or their lender.

The above details are furbished from the source IowaBar.org

Did You Know about Iowa Homestead Law?

Buying a new home also comes with the possibility of losing it. Especially when you don’t have money and creditors come calling. The primary concern should be saving your home. The Hawkeye state homestead protection laws of Iowa is designed to protect citizens from losing their homes in the event of a bankruptcy. These statutes allow a person in debt to set aside a specific amount of real property, referred to as a "homestead," that would be off-limits to certain types of creditors. The Hawkeye State allows citizens to set aside 40 acres of rural property or a half-acre of urban property under its homestead protections and caps the value of the protected personal property at $500.

Mark Gray Law Firm

Mark Gray Law Firm is a law entity practicing in the state of Iowa and is regarded as the best law firm in Ankeny. Located uptown, the lawyers with Mark Gray firm solely work with clients to buy, sell and develop both residential and commercial real estate.

We provide a wide range of legal and consulting services including, but not limited to, review and preparation of agreements, negotiations, and closings. We provide advice on the ownership of farm real estate and other commercial real estates.

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· Advice and assistance with respect to real estate ownership

· Real Estate planning

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notarypublic2you · 2 years ago

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NOTARY PUBLIC 2 YOU Traveling Mobile Notary Near Me in Fort Lauderdale

Florida Mobile Notary Services are available to meet you wherever you are at your home, place of business, hospital, airport, prison, courthouse, skilled care facility, or any other location. Are you looking for a mobile notary in Florida, or Fort Lauderdale? Searching for a local mobile notary public? We are trustworthy, on time, amiable, knowledgeable, and qualified with over 10 years of experience.

Notary Mobile Fort Lauderdale Florida Nearby notary services

A notary public is a person designated by the Governor of Florida to authenticate legal papers and confirm the signer's identity. Attorneys or government officials are examples of people who can act as notaries.

By requiring people to validate their documents before using them, notarization—the process of having a notary public sign your document—aids in preventing fraud. Similar to signing a contract in front of a witness, it can also prove that signer intended to sign the contract and wasn't coerced or otherwise under distress when doing so.

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mikeanzivino · 2 years ago

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Top Realtors In Bonita Springs, Florida

Mike Anzivino is the Best Realtors in Bonita Springs, FL. He has been in the real-estate business for 18 years and has helped hundreds of families find homes that are perfect for them. Mike does not just work with one family at a time, he also works with many contractors, lawyers and home inspectors to ensure his clients have an exceptional experience.

Why Choose a Realtor?

There are many reasons to choose a realtor when selling or buying a home. A realtor is a professional who is knowledgeable about the local market and can help you price your home correctly. A realtor can also help you find the right home in the right neighborhood and negotiate the best price for your new home.

How to Find the Right Realtor

When you're ready to buy or sell a home, you need a real estate agent who will work tirelessly on your behalf. But how do you find the right one? Here are five tips:

1. Get recommendations from friends, family, and colleagues. Chances are, someone you know has worked with a great real estate agent. ask them for a referral.

2. Check out online reviews. Take some time to read online reviews of local real estate agents. This can give you a good sense of what others have experienced working with them.

3. Ask about their experience. When you interview potential realtors, be sure to ask about their experience in the Bonita Springs area. You want someone who knows the market well and can help you get the best deal possible.

4. Pay attention to chemistry. It's important that you feel comfortable working with your real estate agent. Pay attention to how well you communicate and whether or not you seem to be on the same page about your goals for buying or selling a home.

5. Trust your gut. Ultimately, you need to choose the real estate agent that you feel confident about working with. Trust your instincts and go with the person that you feel is the best fit for you and your needs

The Process of Selling your Home

When you are ready to sell your home, the first step is finding the right realtor. You want someone who is knowledgeable about the Best Realtors in Bonita Springs, Florida area and has a proven track record of successful sales. The next step is to determine what your home is worth. Your realtor will help you do this by comparing your home to similar homes that have recently sold in the area. They will also take into consideration any upgrades or features that your home has that may make it more valuable.

Once you have an asking price, it’s time to get your home ready for sale. This may involve making some cosmetic changes like painting or decluttering. Your realtor will advise you on what changes will help your home sell quickly and for the most money. They will also help you stage your home so that potential buyers can see its full potential.

Once your home is on the market, it’s important to be flexible with showings and open houses. It’s also important to be realistic with your expectations. Most homes take several months to sell, so it’s important to be patient throughout the process.

Your realtor will handle all of the negotiations with buyers and their agents. Their goal is to get you the best price possible for your home while also making sure that the process goes smoothly from start to finish. Once a buyer has been found and their offer has been accepted, there are still a few steps left in the process

The Process of Buying a Home

The process of buying a home can be very exciting, but it can also be overwhelming. There are many steps involved in the process, from finding the right home to making an offer to closing on the sale. A good real estate agent will be able to guide you through the process and help you avoid any pitfalls. Here are some of the things you can expect when you're ready to buy a home:

1. Finding the right home: This is often the most difficult part of the process. You'll need to figure out what type of home you want, how much you can afford, and where you want to live. Once you have a general idea of what you're looking for, your real estate agent can help you find homes that match your criteria.

2. Making an offer: Once you've found a few homes that you like, it's time to make an offer. Your real estate agent will help you determine how much to offer based on comparable sales in the area, as well as any repairs or renovations that may need to be made.

3. Closing on the sale: This is the final step in the process, and it can take some time to complete all of the paperwork. Your real estate agent will be there to help with any questions or concerns that come up during this stage.

Blog Conclusion

Our top Best Realtors in Bonita Springs, Florida are dedicated to helping you find your dream home. They are knowledgeable about the area and can help you navigate the complex process of buying a home. They will work with you to find the right property, negotiate the best price, and close the deal.

When you work with one of our top realtors, you can be confident that you are getting the best possible service. They will guide you through every step of the process and make sure that everything goes smoothly. You can be sure that you are getting the best value for your money when you work with one of our top realtors.

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carolinatitleservice-blog · 6 years ago

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Advantage Of Getting Owner’s Policy Aside From Lender’s Policy

A fresh set of eyes (and extracts) might uncover issues, enabling you to repair them prior to you purchase. Danger insurance plan with appropriate recommendations and projects connected (when existing policies are to be designated) as needed by the loan provider. If not able to money a deal at the time of closing, the closer will have an "Extension of Escrow" signed by all celebrations. Your lending institution should offer a Closing Disclosure to you a minimum of 3 days prior to closing.

A common pick-up charge would be $250 per home mortgage being pleased. Why would you endanger your fair interest in the home by preparing a fill in the blank file from the regional shop? There are numerous title business and or lawyers that would prepare a deed for a very little cost to you as the customer. Your escrow file will grow, product by product, up until all of the conditions have actually been satisfied and escrow is all set to close.

Contact a Land Title sale agent or closer for the appropriate costs

You require to be sincere, considerate and reasonable, while still looking after yourself. Ask your property representative http://www.carolinatitleservice.com, peers who have actually just recently purchased a house or your loan provider for suggestions for a title company. This proficiency is the magic touch that keeps your consumers returning for more. When you have actually reached an arrangement with the seller, both of you will sign and preliminary any modifications made to the agreements and riders.

All set to deal with a title company you can rely on? When approaching a market price from this instructions, you might wish to think about including a purchaser's representative commission to your estimation. When a regional property market prefers purchasers over sellers, property buyers might feel pushed to ask sellers to spend for title insurance coverage.

Your representative will help with the exchange of home secrets at that time. A title search is suggested to discover mistakes prior to you purchase. 4 memo to members that was published on its site. A typical concern that we see when it pertains to title evaluation is making use of deeds that are bought at the regional shop.

Closing expenses differ considerably

Companies who have actually served their neighborhoods for generations will have the investigative experience and resources to carry out comprehensive public records searches and recognize any concerns prior to you take ownership of the home. In some states, Florida consisted of, this type of relationship is versus the law and can be thought about a rip-off. They move bank checks, transportation files and do a myriad of various jobs connected with offer closings.

There are actions both celebrations can take to guarantee a smooth closing procedure and transfer of the real estate title. A normal purchaser's deal to buy will consist of many contingencies-- for instance, a loan with appropriate terms, an acceptable assessment and appraisal of the residential or commercial property, evaluation and approval of covenants, title work and a study. It is unlawful for any company to charge any advance charges.

The celebration performing the Power of Lawyer should by offered by telephone the day of near validate they live and have actually not withdrawed the Power of Lawyer. Sometimes, these scammers will persuade the individual to wire them sophisticated costs. A trustworthy title company must assist you through the procedure. The more research study and info you have the ability to collect, the much easier it will be for you to make a noise, knowledgeable choice.

Just an Owner's Policy safeguards the purchaser needs to a covered title issue develop

Typically, you, as the house purchaser, would make the consultation for the house examination, with the property representative managing all the essential plans. At a normal property closing in Florida, you can anticipate to see the seller, the seller's lawyer, the purchaser, the purchaser's lawyer and an agent from the title insurance provider referred to as the title better. The brand-new lending institution info is likewise required so that there is instant access to the costs for the preparation of the Excellent Faith Quote for the purchasers.

When the HUD-1 has actually been authorized by the lending institution, any additions or modifications might postpone the closing and should be sent to the loan provider for approval in order to money the loan. Our objective is to make your next escrow smooth and error-free, and our proficiency starts at the very first phase of escrow: opening the escrow account. It is important that you keep in mind to finish the assessment and any resulting demands by the date defined, or the examination rider will be voided.

Research study the marketplace completely and keep up with the current advancements in the property market. If the celebration is out of the nation, they will require to set up for the recommendation of their files, which will then require to be confirmed by a file called an Apostille. Need to you choose to prepare among these yourself, please keep a couple of products in mind. We think that the finest tool is a knowledgeable real estate expert, familiar with the location in which your residential or commercial property is situate.

Location:

Carolina Title Service 3582 Oak St #236 Jacksonville, FL 32205 (973) 860-3633 http://www.carolinatitleservice.com/ https://goo.gl/maps/iPd9VCpPwfo

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safty · 6 years ago

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To the Rescue (Part II) Chapter 28: A Higher Calling

(Originally posted to Ao3 7.9.18)

Seth leans into Roman and Dean and gets an offer he can't refuse. Bonus: Polaroid pictures from their houseboat vacation!

It was a little disturbing how easily Seth was able to slip into his routine at first, even as his mother was sending him several different forms from the estate lawyer. Work was a means to move around and ignore his reality, and the moment he had left Iowa, the cloud of worry and indecision lifted somewhat. He wasn't sure why he'd imagined Dean and Roman accosting him about the truth of his situation, or even an explanation about how his time away had been. But as Seth settled into his first full day of being back in Florida, he began to feel slightly hurt that his boyfriends didn't seem to be noticing anything at all.

Their flow was slightly changed now by the fact that Roman's summer semester hadn't started yet, and when Seth went to find Dean outside during their usual lunch break, he couldn't find him. Instead, his boyfriend had taken some time to sit in the hot tub after his lessons and Seth didn't find him until his water safety class had wrapped. It obviously wasn't cause for a bad day, but after packing swag bags for the fundraiser all morning with headbands and keychains, Seth was feeling a little bored and listless.

The real annoyance came when Roman took an extra half hour to pick them up at the end of his shift, as he'd taken the Jeep Cherokee home after his morning Water X class. After five minutes of waiting outside and then feeling like he was going to sweat to death, Seth dialed his number and hovered by the check-in desk awkwardly.

"He just texted me he's leavin'," Dean said, coming around the corner with his work bag and drumming his hands on the counter. "Fell asleep I think,"

"Must be nice," Seth snorted, shifting his weight from foot to foot and yawning. AJ was behind the front desk, trying to make a phone call on the main line while Sami folded towels. Rather than trying to string a conversation together, Seth went to sit on the bench by the double doors, licking his lips anxiously. Could he really take the time to pour over some legal documents that night? Roman and Dean would probably want to know what he was doing if it took too long. Glancing up at his boyfriend, Seth watched as Dean leaned on the lobby counter and fidgeted with his phone. Why did Roman only text him ?

When the Jeep Cherokee pulled up and both men piled inside, Seth frowned slightly as he watched Roman turn in his seat and adjust the settings on the radio. Behind his sunglasses he looked rosy and sort of dull from his nap.

"Jus' don't know what to do with myself with all this time," Roman shrugged, "Have a few beers, take a few naps."

"All out of our boat tequila, what else you gonna do," Dean mumbled, relaxing in the back seat. Anxiety piling in his chest, Seth didn't say anything. He didn't want to overreact, but he thought it was rather strange how Roman been day-drinking by himself and then neglected to pick them up. Looking to his boyfriend again for some sort of reassurance, he found Dean was simply staring out the window, distant from the situation.

"How'd it go?" Roman tried, turning to Seth for a moment and trying to assess his mood as they continued down the road. "Knee still feelin' okay?"

"Fine," Seth sighed, more quiet than usual. "Should call the PT office… check in about an appointment."

It was a quiet drive, but Seth couldn't muster up the energy to strike up his usual balance of snarky and flirty. Not every car ride had to be a bastion of enthusiasm, but as they got off the highway, Seth began to close off again, feeling guilty and weird.

He wanted a hand or a hug or something. It all felt so hollow and strange, sitting in the car, being back in the mix of things and actively trying to forget what was actually going on. Now, without distractions, it was all weighing on his mind again. His grandpa was gone and he was left to pick up the pieces.

"You need a little snack?" Roman asked as they came into the Oakridge neighborhood.

"Huh?" Seth blinked, looking up. He'd heard the words, but they hadn't really registered in his brain.

"Frosty's?" Roman offered, giving his knee a little pat. "I got dinner stuff ready, don' mean we can't do dessert first."

"N-no," Seth shook his head. "I don't need it."

It was all that was said until they got out. Dean grabbed Seth's bag for him and there was an awkward moment where Dean refused to let Seth bring it in by himself. Heart pounding with nervous energy, Seth quickly went to busy himself with getting his dog outside and ignoring his boyfriend's pinched lips.

Kevin quickly ran to his preferred spot in the backyard to pee, the corner fence where a tall weed was growing. As he trundled along with his collar jingling, Crispy clucked and came out of the shade of the overgrown rose bush. Seth watched the chickens become alerted, then mellow, realizing it was just the small dog in the backyard.

He sat at the back table, sighing hard and actively trying to calm himself down. What he wanted most was to do muscle-ups or wall balls or some impossibly difficult CrossFit EMOM that had him clutching his chest for air. His body and his head hadn't felt right since he'd been injured and he shuddered to think how poorly his cardio had likely become now. Pulling out his phone and resting into the deck chair, he aimlessly opened the document his mother had sent him. Sure he had no answers to any question it might pose.

Seth didn't know what probate was, and every time he saw his full name printed across the document heading, he sighed again, at a loss. If his mother was the executor of the will, should he get his own lawyer just to make sense of all this?

Crispy clucked at his feet and Seth set his phone down, sinking his face to rest into his elbow. Could this wait? It had to. There was no way his brain could function, right then and there.

The door slid open, but Seth didn't sit up. Rather, he quickly flipped his phone upside down in the event it hadn't locked yet. His arms were sweaty and it was undeniably hot in the backyard, but Seth was of the mindset that he wouldn't really become comfortable anywhere.

"You hungry babe?" Roman asked, putting a hand in his hair and lightly massaging his scalp. Seth let out a humming noise, but gave no other answer. He simply sat, letting Roman pet his head until his boyfriend stopped and withdrew his hand. At the loss of touch, Seth sat up and realized the chickens had all come over to spectate, clucking suspiciously and looking substantially larger than the last time Seth had seen them all nearly two weeks ago. Lars, Seth's black hen was filling out her feathers well and looked a lot less awkward. Her feet appeared more proportionate after weeks of looking gangly.

"I could make you something lighter too," Roman suggested, putting his hand on Seth's back and tilting him against his hip. Dean idled out and stood by the doorframe, looking twitchy. It was all sort of overwhelming and Seth didn't want to cry for what felt like the hundredth time that week, but it was stinging at the edge of his eyes.

"I'm hungry, but…" he breathed, looking down at Kevin who immediately came to his aid, licking his hand. "I dunno… I don't really want…" his voice broke, betraying whatever semblance of togetherness he had. Roman's hand rubbed harder and Seth put a hand to his face, breathing deep.

"You don't have to be any way," Roman assured him in his low, sure tone. "Do you want to talk? Inside?"

"Air conditioning always makes me feel better," Dean offered, making Roman chuckle. It was a little unbearable outside and Seth nodded quickly, standing up and letting Roman guide him inside.

Even as he felt like he was breaking down, Seth knew he still didn't want to talk about any of the money issues he was facing. He slumped into the living room couch and Dean and Roman both sat right next to him, sighing slightly as Seth hastened to dab at his face and beard with a tissue. An unfiltered conversation was just going to bring up a lot of questions he didn't have the answers to and Seth really didn't want to make it obvious that he wasn't in control of the situation. Roman tipped him against his chest and Seth took a deep breath, smelling the faint scent of beer and body wash. Dean touched his leg awkwardly, like he was making the best of not having Seth's hair to play with.

"I… don't know what to say…" Seth said quietly, rubbing his eye and looking at the light moisture of tears on his hand. "I just… it's weird that he's gone and now I'm back here…" he swallowed hard. "I want to be here, I w-wanna to be with you guys and all… but my family…"

Roman nodded and rubbed his head. Seth just heaved a breath and stared out across the house where the chickens were gathering by the sliding glass door to observe. Surely he didn't have to go on at length about his grandfather, it was just grief, pure and simple.

"Do you… feel like you left too soon?" Roman tried, rubbing his shoulder and encouraging his conversation. "How did your family take it?"

"I needed to come back," Seth shrugged, sniffing hard. "Work… and shit… My family… I dunno. It's just… weird not having grandparents anymore I guess."

"They're still there," Roman offered, giving him a little squeeze. Seth had to stop himself from rolling his eyes a little, but he knew that his boyfriend was just trying to help. "Even when you think you can't talk to them… I dunno. This'll sound cheesy but sometimes it makes you feel better if you just talk to them out loud. Say the things you want to say to them."

"What happened to your grandma?" Dean asked, probably sensing Seth's indifference to anything that was even remotely unscientific.

"She died a few years ago. Cancer," Seth explained, swallowing hard. "So… my grandpa was all I had."

The thought of his biological father sat for a moment at the forefront of his mind, but Seth didn't dwell on it. The picture that he had found in his grandfather's possession was still sitting at the bottom of his suitcase with all of the rest of his laundry he still needed to put away. It was perhaps true that he did have some kind of grandparents out there somewhere that maybe even knew he existed, but they weren't family in Seth's mind, and he wasn't burning with any ambition to find them.

"Is there anything we can do?" Roman asked, running his forefinger warmly behind Seth's ear even as he shook his head. "I'm serious though, obviously this is just gunna suck for a little bit, but if you want us to help you… I dunno. We can do the laundry for a week or so." Roman looked at Dean for ideas. "We could find something fun to do, if you just want a lil' distracting or something."

"We could go workout tomorrow," Dean offered, shrugging. "Go to the lil' hole in the wall gym. Or Uce's place."

"I want that," Seth said automatically, Roman and Dean snickered and Seth managed a little smile, pushing a length of hair behind his ear. "I need to text Cesaro too… he probably thinks I fell of the face of the earth. Maybe if he's feeling okay-"

"Nope, just us," Dean interrupted, giving Seth's thigh a light spank. "Can't cheat on us with your exercise wife."

"Well," Roman cut in quickly. Seth honestly didn't care about the cheating rib, he was too busy blowing his nose into a tissue. "Just… reach out to us if you need it babe. Not like I got anything going on till late May anyway. Then I'll be real busy again."

"How was Easter though?" Seth asked, rolling around a little in Roman's embrace so he was more comfortable. He didn't want to talk about his grandfather anymore. On his back, with his head in Roman's lap and his leg's across Dean's, it was easier to hold a conversation. "Was it… hard with everything going on and all the driving and stuff?"

"Not that bad," Roman shrugged, looking to Dean. "We tried to get out of Orlando as soon as we could manage and gunned it all the way up to Tallahassee before we got food again. Jimmy and Jey's place is a little on the like, west side of Pen."

"They were so ready to go when we got in," Dean laughed, leaning back into the sofa and mimicking the cadence of Roman's excited cousin. "BIG UCE GUNNA GET SILLY HUH?"

"Yeah," Roman blushed, "Except I'm an old ass man now. Had to explain to them about how I was there to sleep, not drink."

"Did everything go okay with that though? Didn't one of them have some legal issue or something?" Seth asked, watching Roman's cheek twitch.

"...Yeah… I think he has some court date thing next month," he mumbled, pausing the fidgeting of his fingers in Seth's hair. "Did I tell you about that? It really wasn't a big deal, it's just if he gets another one they're going to give him whiskey plates I think."

Seth's whole body went numb as he realized Roman hadn't told him about his cousin's DUI. He'd only known because Seth had gone through his phone and read the conversations between Roman and his sister. Apparently, this didn't occur to Roman as a possibility and Dean looked unfazed, smoothing the hair on Seth's leg's flat.

"Y-yeah, you said something about it," Seth lied quickly. "On the houseboat I thought."

"Well, it wasn't a big deal. I think Dad said something to Jey about it, but he's used to it." Roman scratched his nose and Seth bit his lip, praying Roman didn't sense anything strange about what he'd let slip. "Well… anyways we went to church the next day and then did Easter stuff with my brother and sister's kids."

"I got a photo," Dean snorted, scrolling through his phone before handing the device to Seth, who held it over his face. It was a picture of Roman, lightly dozing on a deck chair with a heap of plastic eggs stacked on his lap. One of the younger kids, Milo or Tamar was sitting on the patio with plastic rabbit ears on and a basket in his own lap, grinning.

"Nice," Seth said, handing the phone back quickly and relaxing as Roman touched the back of his neck, making his spine tingle.

"It was a good trip though," Roman said softly, "Much less drama than last time."

"For us," Dean amended. "Your brother got it."

"Barely," Roman snorted. Seth blinked, confused and Roman snickered, drawing in a breath enthusiastically to explain the story. "And they ALMOST tried to get on my case but Summer reminded them that you were gone and that it would be unfair."

"Me?" Seth said, confused.

"Yeah, like-" Roman laughed, "Here's how it works. If my mom or dad is pissed, they have to throw it at one of us, and obviously since my boyfriend's grandparent passes away, I got a get out of jail free card."

"...huh…" Seth mumbled, slightly disgusted.

"Well it was somethin' about how…. Your sister's family planned a party without them? Or something?" Dean said, scrunching up his face in an effort to remember.

"Mandy planned her baby shower to be while my parents were on vacation and so there was some dispute about…" Roman sighed "....the logistics of two baby showers. Basically my mom was treating Rosey like he wasn't there the whole time, which is the most she'd ever do to get on his case. Dad said something to him at dinner about how the second party would be better at their place because they have a bigger grill…"

"Your brother is such a motherfucker," Dean laughed, clearly remembering something that Seth hadn't been witness to.

"I want to try that sometime, just blow them off like that." Roman laughed, quickly explaining for Seth's benefit. "My dad would tell him something and he'd just agree like 'oh yeah, probably,' and then just keep eating. So funny."

"Why don't you?" Seth asked, watching Roman's smirk go from a smile to an anxiously clenched jaw.

"I think the last time I tried to sass my dad he grabbed me by the ear and rammed me up against a wall," Roman said shrugging fast. "Even at my biggest, I was never as big as Rosey."

"You don't think you could beat your dad?" Dean asked. Seth let out a choked noise, disturbed.

"Only at football," Roman said, patting Seth's head with a sort of finality. "Anyways, you missed some great food, but we brought home your easter basket. Or at least, the stuff in it."

"My easter basket?" Seth blinked. He hadn't received an Easter basket since he was eighteen or so and living with his mom. Sure, he bought jelly beans most years and just ate them leisurely, but the pageantry of the holiday was for children.

"Wine and cheese," Dean said, pointing over to the kitchen. "That's what was in mine anyway. And chocolate."

Seth rolled off the couch in a sort of sloppy fashion, curious to see what he'd been gifted. Roman and Dean followed after him and Kevin eagerly scooted into the room, under the assumption that he might be fed.

"I just put it in the fridge, I never know which wines are supposed to be chilled and whatever." Roman said, pulling out a plastic bag and handing it to Seth. "I drank all mine the night of."

"It was a lil' bottle though," Dean said, taking the opportunity to grab an ice cream sandwich from the freezer. "That shit was really good, I barely felt it the next day."

"Oh wow," Seth said, dumping the contents of the bag onto the counter top and investigating what had likely been assembled under the assumption Seth was coming to Pensacola. Little scraps of golden plastic easter grass were clinging to the slightly moist wrappers of rich, dark chocolate bars, Lindt truffles and plastic wrapped cheese nibbles. A Starbucks gift card and a bottle of some dark and fancy looking wine were also included, along with a sweet envelope, that had been addressed with SETH in a black, archival pen.

"That's very nice of your family," Seth said, opening the envelope and finding a hallmark card with cartoony rabbits. Roman nodded and cracked open another beer, leaning on the counter next to Dean.

"Yeah, they mentioned something about us coming up for my birthday too, but I said we already had some plans. We might need to run up there for Mandy's shower…" he sighed hard, "We'll just see. I ain' going to two parties, so I'll let them figure out where I'm most needed."

"We got our photos back too," Dean said, watching Seth put the gifts back into the plastic bag and falter at a secondary envelope full of polaroids that had been sitting on the counter top already. "From the boat."

"Oh cool!" Seth said, abandoning a Lindt truffle momentarily to pull out the stack of developed photos. He'd hardly even looked at any of the snapshots he'd taken on his phone from the vacation, too consumed with his grandfather to make any sense of his time in the Keys. It had been years since he'd taken pictures with a disposable camera and he was eager to see what they'd captured.

"Most of them… didn't turn out." Dean said, laughing at Seth's confused face as he shuffled through the first few photos that appeared to be dark shadows. With the advent of modern technology, it surely hadn't occurred to most of them that traditional photography required specific lighting. Familiar static outlines of the three of them were posed with the fuzzy backdrop of their luxurious watercraft. After five bad takes, Seth grinned at some outdoor shots from their first day boating.

"Those were really nice." Roman nodded, looking over Seth's shoulder. Seth nodded, remembering how much fun they'd had. His spine tingled, recalling how warm and bright everything had been. It was strange to see pictures of himself from just a short time ago, unaware of the fact that his life would be changed so dramatically in just a few short days.

"The one with the manatee didn't come out that good," Dean said, watching Seth frown at what appeared to be a lumpy rock in the water. "If I had the money, I'd probably get like a nice camera or something."

"You'd have to learn how to use it," Seth chuckled, holding up another poorly lit photo that Dean had taken of Roman in the water, late in the evening and shadowy. "The chickens would be very well documented, I'm sure."

Luckily perhaps, the photo of the three of them at the southernmost point marker in Key West hadn't come out at all, barely visible in the dying light of the day. Seth hardly remembered his sloppy display of affection for Roman after they'd meandered around the streets in the picturesque little town. It had been such a strange night, and at the end of the trip, both he and Dean were so sun kissed, they looked pink in most of their pictures.

"We'll have to do that again some time," Roman said as Seth finished looking at the stack and gazed sweetly to both of his boyfriends. "Had a lot of fun."

"Yeah, definitely," Seth said, embracing them both individually. "It was."

That night, Seth slept better than he had in a week, helped along by some passionate lovemaking from Roman and Dean, each occupying his ass for the amount of time his knee allowed him to be rambunctious and mouthy, putting everything else out of his mind. Laying in the sheets, feeling blank and calm, he resolved to call his mother before the fundraiser and hash out whatever was necessary. Roman and Dean didn't seem to suspect anything was wrong, past the obvious lonesomeness of losing a family member, and Seth felt better about his situation as he watched his boyfriend's get ready for bed around him. Dean took a quick rinse in the shower and Roman disposed of a beer can by the bed, shamelessly striding around without any clothes, looking thick and sweaty from their activities.

As Seth laid in bed and followed them carefully with his eyes, he was positive of the fact that he couldn't leave them, not without a fight. Seth wanted to close his grandfather's estate and move back to Iowa, but not without these two men that meant so much to him. As impossible as their weird relationship was, there wasn't anything that said three men couldn't take over the property. Perhaps they'd raise some eyebrows, and surely they could hit some snag with all the legal jargon that went into home ownership and estate management. Seth had only lived with these men for about two months and things would be vastly different in another state, but still, the opportunity was too good to pass up.

"Gunna be hot tomorrow," Roman mumbled, wrinkling his nose at the weather broadcast on his phone as he plugged the device in and settled on his side of the bed. Seth scooted closer, wordlessly, his mind crammed so far inward he'd hardly heard. Roman would probably love to commit to a space as large as the farm, somewhere he could spread out and have a little bit of nature on all sides.

"Did the dog go out?" Dean called from across the house, from the kitchen where he was getting water. Seth nodded in Roman's arms and Roman tilted his head away from Seth's ear so he wouldn't deafen him.

"Yeah!" he hollered back, patting Seth's back and setting his phone down. Dean would love the farm too, probably the most excited about riding around on four wheelers and snowmobiles and doing the sorts of activities that were difficult in a city.

"You good?" Roman asked. Seth opened his eyes again, near sleep. "Did you need a Xanax or anything?"

"I'm good, thanks," Seth mumbled through his nose, glancing up at his boyfriend sweetly. "I love you. A lot. I wanna be with you for a long time."

"I wanna be with you too," Roman said happily, maybe a little startled by Seth's admission of tacking on something that sounded more serious than usual. "Wanna be there for you. All the time."

Seth hummed. He fell asleep shortly after Dean came to bed, relaxed, even if he was a little over warm. Kevin hopped up to join them, and the house hummed with central airflow.

"Did it all go okay?" Sasha asked, clearly split between her desire to talk to Seth and the fact that a large group of boys were tossing each other around in the shallows of the pool. He watched as Alexa pulled a face and Sasha nodded across the pool to her. She blew her whistle harshly, making Seth's hairs stand on end.

"This is your warning, okay?" She said, pointing specifically to the tallest boy who'd just tossed his friend. "No horseplay."

"We did it last time! Nobody cared then!" The boy said, pre-pubescent voice crackling sharply. Sasha sighed hard, ready to explain the rules, but Seth cut in, annoyed for her.

"We'll pull your membership information and call your parents if you can't behave." Seth said sharply, watching the boys frown angrily. "Find something to do that's safe."

"I can handle this myself," Sasha mumbled, rolling her eyes but clearly glad the boys calmed down. "Anyways-"

"It was all okay, as good as it could be I guess." Seth said, watching the boys gather noodles to make a raft. Alexa sat in the opposite lifeguard chair, looking bored. The boys were the only ones in P-pool. "The service was fine and my mom seemed to handle it all okay."

"That's good, that's really rough to come off a vacation and just have all that happen to you." Sasha agreed, "After the fundraiser we should go out or something."

"Yeah," Seth nodded, not really thinking of anything specific. He was supposed to be power scrubbing the adaptive pool tile, but AJ and Miz were both upstairs and Kevin had said something about changing the wheels on the scrubber anyway. "The house sitting go okay?"

"Yeah, it was awesome." Sasha said, plopping down in her own lifeguard chair and flicking her violet hair behind her ear. "I never thought I'd dream of home ownership, but that place was pretty sick! Me and Bay made homemade ice cream the first night and and ate our way through it for a few days. Kevin is such a sweet pup too! We'd totally do that again for you guys if you want."

"Well, we appreciate it for sure." Seth said, stiffening up as he saw Hunter and Stephanie come through the doors and survey the pool for a moment, clip boards in hand. Seth knew he could afford to stop and chat with Sasha if he wanted, but he was aware that he probably should get back to work. With the park open now, the staff were stretched a little more thin and just as he was about to tell Sasha he was going to keep moving, Hunter motioned for him to come over.

"Oh, uh," Seth mumbled, trying to look cool and unaffected.

"Can you bring us more towels later?" Sasha said, sensing that he was leaving. "We'll probably run out soon."

"Y-yeah," Seth said, striding across the tile to see what his boss wanted and giving her a short wave. Stephanie grinned her usual intimidating smile and Hunter looked mildly grouchy as always.

"Did you have a sec? We wanted to discuss something with you," Hunter asked, looking to Seth seriously. Seth didn't hesitate but rather nodded dumbly, following after his bosses while the boys in the shallow end began a splash war. Ducking into the pool office and feeling the cool rush of the colder air, Seth sat on one of the rubbermaid bins containing the CPR dummies, watching his two bosses set their things down and turn to Seth in their chairs with the utmost attention. After the embarrassment of AJ tattling on him, Seth was always a little on edge around his superiors, sure that he was in trouble.

"So, we have a few more little things to tackle before the fundraiser," Stephanie said, leaning in and looking at her clipboard carefully. "We have some signage that was actually printed at a company just down the road and we were wondering if you could go and pick that up for us around 1 today."

"Oh, sure," Seth said, feeling a little relieved and accepting the key to the company Cadillac that Hunter was extending to him. Seth waited for additional information, sure that there was something else that they wanted. Hunter sat back in his chair, looking from his wife to Seth carefully and Stephanie adjusted her dangling earring from being caught in her hair.

"You've done a good job handling a lot of our little errands lately and this is probably the easiest we've been able to finish all these tasks in several years," she said, staring at Seth hard and smiling in a sort of motherly way. "I don't want to say it was a good thing that we've had you away from the lifeguard stand, but it's become a lot easier to handle these larger events and some day to day operations with your help, Seth."

"Oh, well, thanks," Seth said, grinning. "I'm just sorry I had all that last minute family emergency stuff happening. I didn't want to stick you guys with that so last minute."

"Well, you couldn't help that," Hunter snorted, shrugging. "These things happen. You weren't planning on taking any other big trips or anything though were you? I'm sure the Keys were amazing."

"Nah, not right now," Seth said, wondering why exactly both of his bosses seemed to want to know what his calendar was. Thinking back, he had filled out his availability on time and hadn't asked for any additional time off.

"Well," Stephanie said, holding her intense gaze. "Hunter and I have been thinking for some time now about the possibility of creating a new position at White Water that covers some of the events planning and functions that we've previously handled, in addition to some tasks that tend to fall through the cracks between the different departments…"

Seth's heart leapt with both confusion and excitement. Was he being promoted?

"It's a salaried position, and there would still be an hours requirement for teaching and guarding." Hunter began, tapping his foot and swiveling a little in his seat. "You still haven't gotten your WSI yet and we'd want to talk about when you could get back on the deck to guard, but for the most part, we'd build a schedule around some administrative responsibilities and hands on time in the pool."

"That's awesome!" Seth said, feeling tingly and light. "I'm absolutely game, 100%."

"Excellent," Hunter said. Stephanie clicked her pen and wrote something down on her clipboard. "We still need to figure out all the specifics of that. We're thinking it's best to wait until the fundraiser is all wrapped up, so it may take a little bit of time-"

"That's fine," Seth said quickly, sitting up straighter on his improvised seat. "Do you think I'll have my own office?"

"We'll… see…" Hunter said, looking disinclined to agree to anything too quickly. "We want to get an exact idea of all of your responsibilities outlined first and see… if it would come to that."

"Absolutely," Seth said, biting back his tongue as he hastened to inquire about additional compensation. "Well, I'm just flattered you wanted to ask me about it!"

"You're a great worker Seth," Stephanie beamed, setting down her clipboard and nodding fast. "We both see a lot of potential with you. Should we go ahead and get this figured out then?"

"Y-yes, for sure," Seth said. "I'd love to do this."

He left the office with a spring in his step, excited to tell Sasha and his boyfriends about what Hunter and Stephanie had offered him. It gave him a boost of confidence, especially after he was jilted from the weirdness of the guy named Joe that had made him look stupid in front of his boss. If Seth could make a little more money and feel more secure at work, it was all the better. Right?

#ttr #fic #to the rescue

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realestategroups · 3 years ago

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Real Estate Groups Fundamentals Explained

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#real estate groups #real estate investment club

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my-access-florida · 4 years ago

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How to Start a Business in Spain

Essential steps, tips and practical advice to start a business in Spain.

In this article we will focus on the practical aspects of commissioning a business in Spain. However, we assume that before you start your business in Spain you need to know the legal requirements:

You already have a solid business idea;

You have done enough market research to confirm the economic viability of your proposed business (if you don’t know how, I recommend that you buy a book on the subject or hire a consultant);

Ideally you have prior experience in the industry you aspire to;

Speak Spanish fluently, or have a business partner who speaks Spanish fluently.

Steps to start a successful business in Spain.

Please note that the information contained here in “Starting a Business in Spain” is only a guide and should not replace the professional advice of a lawyer, manager, business consultant, accountant and / or financial advisor. I encourage you to befriend these professionals early in the startup process.

To start a business in Spain follow the six essential steps

Choose a name for your business (and register it).

Choose a legal business structure.

Create a business plan.

Find financing.

Find a suitable location for your premises.

Obtain secure licenses and permits.

1. Choosing a name for your business

A good business name is the first asset of your company in Spain. You can choose to register your business name, which in theory gives the name holder the exclusive right to use that name for commercial purposes. The registration of the commercial name is optional and is managed by the Spanish office of the patents and brand.

In Spain, the companies of the company may have a brand or trade name different from their official trade name. See Companies in Spain: Types of Business Entities for Companies in Spain.

2. Selecting a legal business structure

Spain offers various business legal structures, also known as business entities, to meet a variety of needs, each with a different set of legal and tax responsibilities. Choosing the right one is important to accommodate the present and future goals of your future business. The legal business structures in Spain are as follows (links that take you to the corresponding bit on our Companies in Spain page: Types of Business Entities for Companies in Spain):

Sole Trader or Sole Owner (Individual or Autonomous Entrepreneur)

Mixed company (Community of Assets or CB)

Civil society

Sociedad Anónima or SA (Public Limited Company)

Sociedad de Responsabilidad Limitada, SRL (Sociedad de Responsabilidad Limitada, SRL)

New Enterprise Limited Company

Labor Company (Labor Society)

Collective society

Limited Partnership

Cooperativa (Cooperative Society)

3. Creating a business plan

Whether it’s to attract investors or to create a roadmap for growth, every business needs a business plan. Any good business start-up book should contain a chapter that outlines the essential elements of a good business plan, but here is one of those outlines of the elements of a business plan. However, there are two additional things to keep in mind in Spain:

Idiom. If you plan to seek Spanish financing or investors, your business plan needs to be in Spanish. On the other hand, if you plan to seek a mix of Spanish and international investors, you should have a Spanish and English version of your business plan available to everyone involved.

Getting help. Local Chambers of Commerce in Spain offer free advice and support to entrepreneurs. Find a Chamber of Commerce in your area.

4. Looking for financing

Proper trade financing is key to any business, so don’t rule out any options just yet, including the following:

Personal Financing

Especially for small businesses that don’t require a lot of capital, dipping into your savings (or asking for gifts or loans from friends or family) might be the shortest and best route to start your business.

Loans (Loans)

Available to residents and non-residents alike, loan terms vary depending on the size of the loan required (or whether it is considered a microcredit), the amount of the collateral, the financial institution, and other factors. You may be required to repay the loan in as little as three years, or in some cases up to fifteen. Payments can be monthly, quarterly or semi-annual. Consult with the ICO (Official Credit Institute, in English and Spanish) or with any bank (bank) or savings bank. Make sure you go shopping.

Subsidies (Subsidies or Aids)

The grants are available to new and existing companies at the municipal, provincial, regional, national and European Union levels. Grant terms vary widely, but grants are often available to businesses in certain industries or sectors, creating jobs in certain areas, or employing certain disadvantaged populations.

Check with your municipal, provincial, and regional government, or local Chamber of Commerce, for available grants. Consult the Spanish subsidies in the DGPYME (General Directorate of Small and Medium Enterprise Policy).

Business Angels

Business Angels are private investors who invest in new or existing businesses for a variety of personal or financial reasons. But angel or not, business angels expect a good return on their investment like any financial institution. The advantage of an angel investor is that investment conditions and the amount of risk they are willing to take vary widely. Sometimes when a bank turns you down for a loan, an angel investor may come to your rescue. Check with the Spanish Network of Business Angels.

Lines of Credit (Credit account or credit policy)

A line of credit during the start-up phase can be considered a peace of mind loan for those unforeseen extra costs (which will be there and you must plan, by the way). You pay interest on borrowed money when you need it, and a commission for the privilege of having a line of credit when you don’t need it. Interest rates can be fixed or variable and the terms are usually one year.

5. Finding a suitable place for your business

Once you have considered who your customers are, where they will come from, what type of facilities will you need to accommodate your business (for example, will you need dressing room space? Will you need a warehouse? Do your delivery drivers need parking? Being close to certain other types of businesses, then you can start looking for a location for your business.

Walk around your area and look for signs like “transfer,” “for rent,” “space available,” and so on. Write down the phone number and call them. Or use an experienced local real estate agent. Or try a website like Fotocasa. es, which offers a list of offices and commercial premises throughout Spain for rent, rental or purchase.

6. Licenses, permits and insurance

You will need licenses and permits from your respective municipal and regional governments. Check with your local council and autonomous community for the latest requirements.

To get an idea of what may be necessary, in the city of Madrid for example, you must obtain a license (planning license) if you intend to build, renovate or demolish anything (interior or exterior) where your business will be developed . (You won’t need a license if you just want to paint the interior or change something small inside your unit. License fees vary depending on exactly what you are doing and how many square feet you are doing it.

At the regional level in the Community of Madrid, certain business activities are required to obtain specific activity licenses, such as travel agencies, tattoos, body repair shops, etc. Some licenses for which you will have to pay a fee.

Depending on what your proposed business is, other types of licenses may be required as well.

It is not a license per se, but you must also be prepared to collect Value Added Tax (VAT), which ranges from 4 to 21%. Tax rules are governed by different plans (regimes) depending on your business. Check with the National Tax Agency and your tax or financial advisor on your tax and reporting obligations.

Your business will also need a “Visitors Book” (Guest Book). You must acquire it from the Provincial Directorate of the Ministry of Labor and Social Affairs of your province and have it available at all times for labor and Social Security inspectors.

Once you have successfully chosen a name and legal structure for your business, created a business plan, found funding and a location, and obtained licenses and permits, then you can start hiring employees, creating a website, advertising and perform all other tasks that will contribute to the success of your own Spanish business.

Self Employed / Investor Visa (Self Employed Visa)

It may be possible to obtain a work visa based on opening a company in Spain. However, among other things, you will have to demonstrate that the company will be able to help you after deducting the costs of the company, that you are able to do whatever it is you intend to do in Spain and that you can finance the proposed company. You must also apply for the visa in your home country.

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#Business

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orbemnews · 4 years ago

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What Jeffrey Epstein Did to Earn $158 Million From Leon Black He styled himself as a math whiz and “financial doctor” to the rich — even though he was a college dropout who had only a brief tenure at a traditional Wall Street firm. It was said his services were available only to billionaires, whose affairs he handled mostly from a tropical island hideaway. So what did Jeffrey Epstein do to earn hundreds of millions of dollars from a handful of wealthy clients like the private equity billionaire Leon Black? The answer: help rich people pay less in taxes. In the case of Mr. Black, the chief executive of Apollo Global Management, his advice could have been worth as much as $2 billion in savings, according to a law firm’s review of Mr. Black’s business dealings with Mr. Epstein. On Monday, Mr. Black announced that he would step down as Apollo’s chief executive this year after the review found he had paid Mr. Epstein $158 million over five years for his services. Mr. Epstein’s specialty was suggesting ways for wealthy clients to use sophisticated trusts and other investment vehicles to reduce their tax liability while passing on assets to their children, according to documents reviewed by The New York Times and interviews with 11 people familiar with his work. In the process, he collected hefty fees — usually based on a cut of the anticipated tax savings. In the years after 2008, when Mr. Epstein pleaded guilty in Florida to prostitution charges involving a teenage girl, he often advised clients on the use of grantor retained annuity trusts, or GRATs, according to three people familiar with his work. GRATs are a form of sophisticated trust that broke into the mainstream after a high-profile court fight involving a Walmart heir, and have been used by wealthy people including the father of former President Donald J. Trump, according to published reports. These trusts permit a person to keep collecting income from assets of all kinds — including stocks, real estate and art — and then hand them off to family members without paying the large gift or estate taxes normally associated with such transfers. One person who did business for Mr. Epstein over the past decade said the disgraced financier’s “biggest thing was GRATs.” The person, who stopped working with Mr. Epstein in 2018 but spoke on the condition of anonymity because he continues to advise wealthy clients, said Mr. Epstein had bragged about using GRATs to save money for a small group of clients, including Mr. Black. In Mr. Black’s case, according to the review by the law firm Dechert, the savings were enormous: about $1 billion for a single GRAT. Mr. Epstein’s detection of a problem in a trust set up in 2006 and his proposed solution were “the most valuable piece of work” that he performed, the report said. “Outside legal counsel described the solution as a ‘grand slam,’” according to the Dechert report, which was commissioned at Mr. Black’s request after The Times reported in October that he had paid Mr. Epstein at least $75 million in fees. The Dechert report — 22 double-spaced pages delivered to Apollo’s board — cleared Mr. Black of any wrongdoing, but he said he would step down as chief executive by the time he turned 70 in July. Another Apollo founder, Marc Rowan, will take over that role, and Mr. Black will remain the company’s chairman. Apollo’s shares were up 7 percent on Tuesday. The report provided no details about the problems with the GRAT or Mr. Epstein’s fix, said William LaPiana, a professor and associate dean at New York Law School and a trust and estates expert. Mr. LaPiana said GRATs could provide enormous savings — especially when packed with assets expected to rise sharply in value over time. And a wealthy person would pay dearly for good advice on such trusts. Mr. Epstein was compensated for the resolution of the GRAT problem as part of a $23.5 million agreement with Mr. Black in 2013, according to the report. After that, they entered a series of agreements that netted Mr. Epstein more than $100 million more before the two men parted ways in 2018. The split was the result of a dispute over Mr. Epstein’s demand for a 10 percent fee on another transaction, which the Dechert report said could have been worth $600 million in savings. Mr. Black ultimately paid Mr. Epstein $20 million for that transaction, which involved loans between Black family trusts to achieve a tax benefit for Mr. Black’s children, the report said. In 2019, Mr. Epstein killed himself inside a Manhattan jail cell while facing federal sex-trafficking charges. Jack Blum, a Washington lawyer who has led corruption investigations for several Senate committees, said he was surprised by the size of the fees Mr. Epstein’s work commanded. “You could be the best lawyer in Manhattan working on the most complicated trusts and estates and it would never come anywhere close to that kind of money,” he said. The Dechert report conceded that the compensation that Mr. Black had paid to Mr. Epstein “far exceeded any amounts” paid to his other professional advisers. Mr. Black has repeatedly said all of Mr. Epstein’s work was thoroughly vetted by outside lawyers and accountants. The only law firm mentioned in the Dechert report is Paul, Weiss, Rifkind, Wharton & Garrison, which has done tax and estate work for Mr. Black for many years. It also is one of Apollo’s main outside law firms. The Dechert report does not identify who drew up what it described as the problematic trust for Mr. Black, except to say the person was a tax and estate expert whom Mr. Epstein had recommended. The lawyer who did most of the early work for Mr. Black was Carlyn McCaffrey, a tax and estate partner at McDermott Will & Emery, according to three people familiar with the matter, who spoke on the condition of anonymity. Ms. McCaffrey, who is widely acknowledged as a leading expert on GRATs, said, “We will not comment on any issues relating to Jeffrey Epstein.” Mr. Epstein frequently functioned as an ideas generator who would then outsource some of the work to high-powered law firms or to his clients’ current financial and tax advisers, according to five people familiar with the arrangements. That was how it worked when Mr. Epstein advised a technology executive on a tax matter, according to a representative of the executive who agreed to discuss the matter on the condition of anonymity. Mr. Epstein offered his help after learning that the executive — an acquaintance he once deemed not rich enough to qualify for his services — needed help reducing his taxes on a large stock grant from his employer. The executive believed Mr. Epstein was offering his services as a favor to a friend, because Mr. Epstein referred much of the work to a large law firm, which billed the executive for the assignment. The executive and Mr. Epstein had never discussed any payment, according to the representative, so the executive was surprised when Mr. Epstein sent his own bill — for a sum that was 10 percent of the tax dollars saved. The executive initially balked but ultimately paid up to avoid a public spat with Mr. Epstein and never worked with him again. Although Mr. Epstein frequently took his compensation as a percentage, he also offered services at a flat rate — a fee structure he suggested as part of a pitch to a New York real estate executive that was otherwise short on details. In 2013, Mr. Epstein sent the executive a six-page engagement letter, which The Times reviewed. It proposed using a proprietary “database of financial information” to analyze and evaluate estate planning matters for the executive. It did not describe what sort of information the database contained. For this service, Mr. Epstein proposed $10 million in fees for 10 months of work. The executive turned him down, according to a representative, who spoke on the condition of anonymity. Katherine Rosman contributed reporting. Source link Orbem News #Black #earn #Epstein #Jeffrey #Leon #million

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bongaboi · 4 years ago

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Beneath the bling: Lakers championship rings feature many special surprises

By DAVID WHARTON STAFF WRITER JAN. 15, 20215 AM

Coiled snakes and small etchings, like hieroglyphics. Jewels whose exact carat weight holds a secret meaning. You can spot all the clues, if you look closely enough.

The ring that each Lakers player received for winning the 2020 NBA championship is mostly gold and diamonds, glitz and audacity, but there is something subtle lurking beneath the gleam.

The jeweler responsible for the design wanted to document a basketball season unlike any other, a year marked by more than wins and losses. In the space of one — albeit very large — ring, Jason Arasheben has concealed visual references to the death of Kobe Bryant, a global pandemic and social unrest. He calls them his “Easter eggs.”

“We had a lot going on last year,” says Arasheben, who owns the tony Jason of Beverly Hills. “It’s not just how many diamonds you use, it’s how you tell a story.”

Professional sports bling has been a tradition since the early 1920s, when the New York Giants baseball team handed out rings as an alternative to the pocket watch chains, cuff links and engraved tie clips that previously had been given to players.

Simple and stylish was the rule for many years until the New York Yankees went big and brash in the 1970s, igniting an arms race that now has teams in various sports trying to outdo each other — more gold, more gemstones — season after season.

The Lakers will not disclose how much they spent on this latest salvo. With 180 grams of yellow gold and 804 jewels in each, the rings could be worth more than $20,000, setting a new benchmark in extravagance.

If this raises some eyebrows at a time of hardship, team executives believe the players deserve a special gift for persevering through the season. Arasheben wanted to give them a sort of time capsule, an effort not lost on star forward LeBron James.

“It was just a culmination of what we’ve been through,” James told reporters after getting his ring. “So many ups and downs, a lot of adversity.”

And a lot of story to tell.

The helicopter crash that killed Bryant, his 13-year-old daughter Gianna and seven others on Jan. 26, 2020 had the team reeling, struggling to comprehend the loss of an icon who had retired only a few seasons earlier. Before the shock wore off, the coronavirus shutdown brought the NBA to a lurching halt.

By the time games resumed and the Lakers defeated the Miami Heat to win it all in mid-October, there wasn’t much time to make rings for the start of a new season. Team executives called Arasheben. Though best known for such celebrity clients as Drake, Jennifer Lopez and the late Michael Jackson, the 44-year-old jeweler had worked with the Lakers before.

“It made sense because he gets the pulse of this team,” says Linda Rambis, executive director of special projects and confidante to co-owner Jeanie Buss.

A flurry of discussions ensued, ideas flying back and forth.

Some design elements were entirely conventional, starting with a purple-and-gold logo on the face, framed by block letters spelling “World Champions.” The right side, or shank, featured each player’s name and jersey number. The left shank listed the Lakers’ playoff opponents and results of each series. This boilerplate information out of the way, Arasheben set to work on smaller touches with larger meanings.

The purple “L” in the logo was fashioned from 17 amethysts, one for each of the 17 championships in franchise history. They weighed .95 carats, a nod to the 95 days that players had spent inside the “bubble,” a Florida complex where all NBA teams lived and competed when the season resumed. Yellow diamonds in the basketball-shaped background totaled .52 carats, equaling the number of regular-season victories.

“It was like a puzzle,” Arasheben says. “We had to be creative in how we built things in.”

There was room to coil two snakes — an homage to Bryant and his “Black Mamba” nickname — behind the jersey numbers. The shanks, shaped vaguely like basketball hoops, got a mesh background. With each addition, it seemed Arasheben or the team would think of something else.

“How do you recognize all of the challenges we went through last year, and then all the bright spots?” Rambis asks. “It was just us wanting to have all of those elements in the ring.”

The work suited Arasheben, a man with a backstory of his own.

The boy loved to draw, doodling portraits, copying the blueprints his architect father brought home. His parents had a different sort of future in mind, telling him: You’re a good talker. You should be a lawyer.

Pre-law classes at UCLA failed to satisfy Arasheben’s artistic bent; they also put him in debt. A friend told him about wholesale stores in the fashion district, so he pooled his money and drove downtown to buy silver trinkets and brightly colored, plastic butterfly hair clips, cheap stuff he could get for $8 a dozen. Back on campus, fellow students stopped by his table and paid well over cost.

“The very first day,” he recalls, “I did $100 in sales.”

These profits paid off tuition with enough left over to hang out at nightclubs where, as an avid NBA fan, Arasheben recognized players among the regulars. They all seemed to be wearing what he recalls as “over-the-top, monstrous” jewelry, which gave him another idea.

Despite an utter lack of experience in the business, he began sketching ornate chains and bracelets, incorporating names and personal details of certain players. Slipping into the club’s VIP section, he approached them, straining to speak over the pounding music: “I’d love to design jewelry for you. In fact, I happen to have a drawing right here.”

They almost always shooed him off, waving away the paper he held in their face. But in 2002, the late New York Knicks star Anthony Mason took a look and liked what he saw. It was both a defining moment and a problem because Arasheben had no idea what to do next.

Stalking the jewelry district, walking from shop to shop, asking questions, he found someone to make the monogrammed bracelet for $50,000. Not only was the profit margin healthy — he says Mason paid $60,000 — the work was creative. Arasheben networked at the NBA draft and All-Star game, meeting other players.

Forget law school, he thought. I want to get into jewelry.

Most teams rely on such established jewelers as Tiffany or Jostens for their rings, so there was no reason to think Arasheben could break into the business. But while selling custom pieces, he made friends with the Buss family that owned the Lakers. Wrangling a meeting with the late Jerry Buss, he told of starting from nothing, a story that seemed to click with Buss, who had built a fortune in real estate.

“I really had no business making their rings,” Arasheben says. “He gave me a chance.”

Things went smoothly at first; the team liked his design of 14 diamonds and white gold in 2009, evoking the white uniforms that players wore on Sundays to honor broadcaster Chick Hearn. Arasheben satisfied Bryant and guard Derek Fisher, who asked to have each player’s face etched on the shank.

But after years of making a few pieces at a time, it was tough producing a batch of 200 or so for players, staff and others. With sleeping bags strewn across the factory floor, Arasheben and his crew worked around the clock.

“We were taking shifts,” he says. “I think we delivered the last ring 30 minutes before the ceremony.”

The team rehired him in 2010, which led to orders from European soccer teams and the Dodgers when they won the 2017 National League pennant. Arasheben made rings for the Golden State Warriors as they captured three NBA titles in four seasons.

“We knew what we did like and we knew what we didn’t like,” Warriors forward Andre Iguodala says in a team video. “From there, we said ‘Use your imagination.’ ”

After the 2018 championship, some Warriors players wanted a blue face, some preferred white. Arasheben engineered a reversible face with diamonds on one side and sapphires on the other. At the team’s ring ceremony, video shows Iguodala demonstrating the switch to others on the bench, telling them to give the face a twist.

“You’re supposed to?” teammate David West asks.

Coach Steve Kerr tries it and blurts: “Oh my god.”

The 2020 Lakers ring posed a different problem as Arasheben kept adding features. Around the rim, he put tiny etchings of the Larry O’Brien Trophy and jersey numbers for every player on the roster that season, even those waived or assigned to the G League before the playoffs.

The left shank had room for a small NBA logo, featuring the silhouette of former Lakers great Jerry West. On the right, Arasheben fit the team’s mantra that season, “Leave A Legacy,” along with the player name and number and snakes.

Still, he needed more space.

The first championship rings, the ones handed out by the New York Giants in 1922, were relatively simple. Brushed gold, a single diamond, nothing to set the world on fire but the timing was right.

“Pocket watches were going out of fashion,” says John Odell, a curator at the National Baseball Hall of Fame and Museum. There was no need for jeweled fobs or watch chains because “no longer was it stylish to show off a little bling across your belly.”

The new trend began with relatively tame signet rings, then graduated to something in the neighborhood of a high school class ring. More size translated into more detail; legendary football coach Vince Lombardi took charge of the design for his Green Bay Packers in the late 1960s and made sure to include a crown from his family crest.

There have been a few small quirks in recent years. After a squirrel bounded across home plate during the 2011 playoffs, the champion St. Louis Cardinals included a tiny image of the rodent. Two years later, the Boston Red Sox — known for their unshaven appearance — stamped a beard on the inside of their rings.

But glitz and bulk have dominated since New York Yankees owner George Steinbrenner splashed “NY” in diamonds across the face of a large ring in 1977 and an even bigger one in 1996. The Lakers noted the trend in 2000, engraving “Bling Bling” on their shank. Three years later, the Florida Marlins spent a reported $20,000 each for a design encrusted with hundreds of diamonds.

“Overtly ostentatious,” Odell calls it.

Team owners were spending far more than the modest allowances the NFL and Major League Baseball afforded its winning teams. As weights topped three ounces, the rings had become so large that Jostens suggested wearing them “on your middle finger may be more comfortable in terms of balance.”

Arasheben acknowledges the trend is “getting a little ridiculous. It’s getting to the point where you’re just going to give the players a diamond plate.” But that didn’t slow him down with the Lakers this winter.

“Other manufacturers have tried to outdo us,” he says. “This year, we tried to outdo them one more time.”

There were 71 days between the title-winning game against the Heat and the ceremony the Lakers wanted to hold at their season opener in December. Most of that time was spent on design.

When Arasheben finally ran out of space, he reached back to an old trick with the detachable face. Same solution for a different problem.

“This time,” he says, “we needed to create more real estate.”

A 45-degree twist reveals a secondary face underneath, bearing images of the 12 retired jerseys that hang in Staples Center, including the one with a microphone instead of a number for Hearn. Bryant’s two jerseys — he wore No. 8 and No. 24 during his career — are accentuated in a darker color. As further tribute, a snakeskin texture serves as the background.

This gimmick also left space to reference last spring, when Americans took to the streets, protesting the death of George Floyd.

Pro athletes in basketball, baseball and other sports staged walkouts. James helped form More Than a Vote, an organization that has fought voter suppression and drew more than 42,000 volunteers to work at polling stations for the November election. Arasheben used the underside of the face to etch the word “Unity.”

“We wanted something the players could show their grandchildren,” he says. “Something to remember.”

The rings were handed out at an unusual ceremony last month, the stands empty because of coronavirus restrictions. Players stepped up, one by one, to podiums at midcourt while family members spoke from the videoboard above. “I know this has been a very difficult year for everyone here,” NBA Commissioner Adam Silver said.

Still, James called it a “pretty cool feeling” to celebrate with teammates, a chance to look back on all they had been through. “So many story lines,” he said.

And only one ring to tell them.

===

David Wharton is a feature sportswriter for the Los Angeles Times.

#2021 #nba #national basketball association #los angeles lakers

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freshobservationpen · 4 years ago

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Top 6 Real Estate Secrets When Selling Your Home

#1: Open Houses Don't Work.

Open houses are a thing of the past. Years ago, when you wanted to sell your home, the only way that buyers could see the inside of your home was to be invited to view your home via an open house or making an appointment with the agent listing your home. Now, if a buyer wants to see your home, they can just go online, to any of a dozen sites, and see the inside of your home without ever having to leave their living room.

The truth is open houses don't work! Real Estate agents host open houses not to sell your home, but to obtain additional clients who are looking to sell their homes (including your neighbors). The fact is, you are more likely to win the lottery than sell your home with an open house in most areas.

#2: Marketing is Job Number 1.

If you are selling your home, the real reason you hire a Realtor is marketing. A Realtor's job is to get as many qualified buyers to your home as possible so that you can sell your home for the highest price. Marketing is the cornerstone of the Real Estate business and a Realtor that does not know marketing, is not worth the commission. Many Realtors avoid the topic of marketing and try to confuse homeowners with internet terms and the size of their firm, all of which means nothing to the actual sale of your home. Here are the things you should be aware of:

* When you hire someone to sell your home, first make sure they are a Realtor and ask to see their Realtor card. There is a big difference between Realtors and Real Estate agents. Real Estate agents cannot list your home in the MLS, a database of homes for sale by participating Real Estate firms.

* Make sure you select a Realtor that truly understands marketing - proactive marketing. All agents use the internet, so that is no big deal. All listings will likely be on Realtor.com and Zillow. Have your agent do a S.W.O.T analysis for you, find out if they work full-time as a Realtor, and ask them what they do that DOES NOT involve the internet to sell your home. Find out how long they have been Realtors, and ask to see any 3 homes sold in each of the last four years. In a very short time, you will be able to sort through the wheat and chaff.

* Don't be fooled by the most common secret. An agent will mention they work for a big firm, and therefore, your home will get more views on the internet. This is not true, in almost all cases, any home being listed by a Realtor will be listed on the website of all the Real Estate firms in the area and most national websites as well. So even if you list your home with "Mom and Pop Realty," your home will show up on even the big companies' Real estate websites.

#3: Discount Brokers/Limited Service Brokers Can Be a Good Choice.

Regardless of what the industry tells you (including real estate agents) these firms have a place at the dinner table and serve a vital function in the industry. Let's be honest - all people are a little frugal, and if you could find a cheaper alternative to paying a Realtor, you would. On occasion, discount brokers/limited service brokers can save you money.

Here are two specific cases where we refer our clients to limited services/discount Realtors:

Scenario 1: You have a home under $120,000 (don't be jealous, Californians and New Yorkers).

Real Estate is a business, and agents are people who rely on that business to pay their own bills. So, if your agent works at a firm that takes a cut of the commission (in many cases 30-50%), the agent must determine if selling your home is a good business decision. Lets look at the numbers:

* Home Price = $120,000

* 3% commission (Listing Side only) = $3600

* Minus Firm Split (35%) = - $1260

* Minus Taxes (25%) = - $900

* Minus marketing = - $800

* Leaves a net commission of $640, to the agent

If the agent only nets $640 on the deal, how much time can you reasonably expect them to spend on your behalf selling your home? In this case, using a limited service broker could save you $2000+ dollars on the listing side after the cost of the limited broker fees and expenses are deducted.

Scenario 2: You are in a super hot market.

If you are in a market that is so hot that all you have to do is put a sign in your front yard, then limited service is a good option. They put your home in the local MLS system and buyers just show up. AWESOME! The key to making this work is to have your home appraised before you call the limited service brokers to make sure you are selling your home for the right price. Once you get a contract from a buyer's agent, hire another agent or lawyer to help you with the details on an hourly or fixed-rate basis. The key is making sure you only accept contracts from buyer's agents. If you are not sure what that means, get clarification in your state. (I can't give you all the secrets!)

#4: All Agents Are NOT Created Equal.

Just like any industry, there is a range of competence within the Real Estate world; However, many people believe that all agents are the same. I suggest that when you are interviewing agents, request that they send you the contracts ahead of time, and prepare a set of questions for them to answer. If you are in North Carolina, here are just a few questions I suggest:

* What is dual agency? And do you practice dual agency?

* What is the difference between due diligence and earnest money? And what happens if a buyer cancels the contract?

* Am I required to do repairs on my house, or is my home sold as-is?

* Show me the marketing plan for my home, not a generic presentation.

#5: Some Agents Will Try to "Buy the Listing."

This is when an agent convinces a homeowner they can sell their home for a price significantly higher than market value. This tactic is successful when an owner uses money to select the agent. The agent's intention is to have the owner sign the listing agreement under the auspices of an inflated sales price, and then the agent will steadily lower the price of your home until it actually sells.

#6: For Sale By Owner (FSBO) Homes Don't Save Money and Time.

The company line for agents is that they will help you buy any home; however, most agents do not like to deal with FSBO properties. First and foremost, Real Estate is a FOR-PROFIT job. Owners selling their own home have made a decision not to pay a Realtor, but your agent does not work for free. Therefore, as a buyer, if you choose to consider FSBOs, you need to have a discussion about who is responsible for paying commissions. In many cases, you as the buyer could be responsible for paying the commissions on the deal in addition to closing costs and down payments

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