#Either way. All my other purchases today were needs but it was like 100 dollars and I literally felt like ending it all

[corset]

Your guy impulse bought eucalyptus and mint lotion and books on flowers and gardening today.....

[nickgerlich]

Loyal To A Fault

Marketers know a very simple trick. It is much cheaper to retain a customer than it is to recruit a new one. The problem, of course, is the retention part. What’s in it for the customer?

Of course, there are instances in which organic retention comes about simply because of consumer preference. We keep coming back for more because we like it, and as long as the product or service is still there, we’ll keep coming back.

But it doesn’t always work that way, and that’s why businesses ranging from restaurants, retailers, and supermarkets, to hotels and airlines, maintain customer loyalty programs. Essentially, it boils down to a points race of some kind that will eventually accrue to the point that the customer is given some kind of reward.

And it’s not exactly the newest trick in the book either. I remember supermarkets for many years using loyalty programs to reward customers with pieces of tableware. Imagine building your complete service for eight at a supermarket. Many people did it, though, which meant they spent a lot of time and money at one store.

But wait, there’s more. Many decades ago, third-party companies like S&H Green Stamps partnered with retailers to provide booklets and stamps that customers received based on how much they spent. Customers could then redeem filled books for merchandise at their local S&H storefront. Think of it as outsourcing your sales promotion program, because that’s exactly what happened.

Skip forward to today, and rewards programs are still common, although they are more likely to include a digital component. Red Robin is a great example of how they can be used, and their recent revamp has led to same-store sales growth. The new initiative, launched in May, saw them increase their loyalty program membership to more than 14 million. The new points program gives one point for each dollar spent, and once the customer reaches 100 points, they get a $10 reward for their next order, which can be online or dine-in.

Perhaps you have participated in a similar program at Starbucks, which then yields a free drink every once in a while. The whole idea, of course, is to reinforce your patronage choice by giving something back.

The question, of course, is whether a 10% yield is enough to motivate people to divert their attention from other competitors. That’s a pretty small discount, and were the store to otherwise offer a 10% price reduction on selected items in-store, they probably wouldn’t have much success. It usually takes more of a discount—like 20% or more—to kickstart the conversation inside the store.

But by gamifying loyalty programs and incorporating them into apps, businesses are finding far greater success. When the customer can see their progress, visualization quickly turns into repeat visits and purchases.

I speak from experience. I too have collected and redeemed points at Red Robin through the years. I am thankful when I get the unexpected credit. But it’s my membership in the Hilton Honors program that really gets my attention, though, because I travel a lot. I am in my eighth year of being Diamond, which gets me discounted rates, reserved parking spaces, and occasional free upgrades when they are available.

Better yet, I am nearing Lifetime Diamond status, which requires two million points or more accrued, ten consecutive years of Diamond status (which is 60 nights a year), and a total of 1000 or more nights. That’s a lot, but for someone who travels frequently, it is very doable. Just wait until you start doing business travel. You may very well find yourself a slave to a hotel or airline brand.

And I am. My lodging search always starts with the Hilton app, where I can monitor all aspects of my account, book rooms, see my points, etc. It does not mean that I am always 100% loyal, because if a particular Hilton property is priced outrageously, I will then expand my search to Best Western and others. Given that I only need six more nights this year to maintain Diamond, you can see the program has achieved its intended effect. Once Lifetime, I can relax, redeem those points, and keep getting discounts. Oh, and good parking.

That’s loyalty. Maybe not perfect, but darn close. It’s every marketer’s dream come true. “Welcome, Dr. Gerlich. Thank you for being a Diamond member. Would you like a snack?”“Why, yes. Yes, I would.”

It’s an interesting proposition how we have traded our freedoms to shop around, in return for benefits that are really cheap for the marketer to give. But hey, we’re human, filled with frailties and quirks. The marketers have figured out how to pull those levers, and get the intended effect.Now how many loyalty programs are you enrolled in?

Dr “Going For Lifetime” Gerlich

Audio Blog

[septiembrre]

30 for the kiss prompts!!!!

Prompt: Weak, sweaty kisses because it’s unbearably hot.

@sothischickshe, I made a concerted effort to keep this silly and short. And I gave myself frown lines as I watched it grow longer and longer and… angsty. D: 

Featuring:

A magical reappearance of Beth’s furniture

A broken air conditioner

A heatwave

Lots of summer clothing

Sweat (but like the typical annoying kind. This is not a euphemism for sex)

Beth and her anxiety

Rio, a certified Goth™

A relationship not yet ended

Pain

And a Mick cameo, of course!

On AO3, too!

---------

I’VE GOT TO LOSE MY COOL

Beth’s first mistake was not calling the HVAC technician first thing in the morning. She had called on the way out the door, left a voicemail. 

It shouldn’t have been a big deal. Wednesdays were usually slow. She would be able to sneak away at almost any point to take a call back. In the message she left, Beth made sure to mention that her only conflict was at three (the weekly drop of bills from Mick). Otherwise, there was plenty of time to schedule the service visit with perfect timing for the impending heatwave. 

But, of course, her life was no longer neat.   

On this random mid-day shift, there had been a flurry of customers at the store -- multiple special orders for invitations, a desperate maid of honor running in for last minute bridal shower details. And, naturally, it was in this hubbub that the tech had returned her call. There was another subsequent round of phone tag. Beth left a new message. 

On her phone, there was also a text from Mick. He was held up -- and that never happened. The texts hinted at some mysterious, more-important errand for their boss and she was a little curious. He had quashed her follow-up questions (only a couple!), with a gruff, “I’ll get there when I get there.” 

And he indeed eventually arrived to Paper Porcupine -- a whole hour late and in a terrible mood. He barreled in the backdoor, sans his typical flannel and sans-leather jacket. Instead, he was in a t-shirt and sweaty as all get out in the late afternoon heat. Beth had stared at him aghast as her phone chimed with another call. It had been a perky soundtrack to Mick’s string of colorful swears when he realized he had left behind half the one-dollar bills needed for the next print run.

Well, at least that mess wasn’t on her. 

When Beth finally caught the technician on her drive home, she confirmed what Beth had begun to suspect in her gut: they were all booked up with service calls until next Monday. 

“It’s the heatwave, Mrs. Boland,” the tech explained over the car’s speaker phone. “Half of Detroit is calling in about faulty units. We can get you in first thing next week.” 

Beth had nodded unseen and despairing. She had the AC blasting in the car, but she was still sticky with sweat. It was going to be precisely eleven degrees hotter by tomorrow. Then, it would chart 105 the day after that.  

Good Lord. 

Her second mistake was not immediately driving to the store to purchase a pool.

This is how Beth finds herself in the middle of the brutal once-a-year Michigan heatwave, reflecting on how truly her life no longer plays out in the tidy, pre-ordained trajectories it used to. And some days this is thrilling but other days, today, it’s... 

Terrible. 

Beth tries to do what she can. 

She digs out her most breathable pair of exercise shorts, short short and purchased two children ago. She dons her comfiest, lift bra and throws on a frayed pink tank top. She no longer wore these articles of clothing in the presence of her husband (especially after that comment now etched into her soul about “a great ass and perfectly shaped boobs”) but kept them tucked into her dresser for such hellishly hot, solitary occasions such as today. 

She pulls her hair messily into a lofty bun leaving no opportunity for it to cling to her neck. She also temporarily appropriates three of the flagging household fans and angles all of them carefully at her, meticulously layering the currents. Finally, she sprawls on her bed, starfishing her limbs for maximum air-to-skin contact. 

All of it helps a little, but she’s still hot. Beth can’t fathom anything outside of her misery, wants to shed her skin. 

She momentarily considers taking her third cold shower of the day. 

Then, without realizing it is happening, Beth finds herself an hour deep into a frenzy of online shopping, precariously balancing her laptop so it doesn’t touch her skin. 

Her focus: sandals. 

Beth knows she shouldn’t go through with the purchase. Rationally, she can admit it is a feverish spiral, fixating on one fraction of why this week is awful. But, it is all she can think about: she does not have any appropriate footwear for this heat. 

How will she survive?

From there comes a whole whorl of scenarios. If she could get away with not leaving the house, she could stay barefoot, stick to the shadowy corners of her house, shower any hour of the day. In fact, this was (part of) the reason why she had chosen to stay home as Dean took the kids to the community pool a few blocks over. Her old pair of ratty flip flops had finally given out and the mid-morning heat already had Beth at her wit’s end. God, she just needed some quiet and some sense of distance from Dean. So, she suggested the idea, urged him to go and leave her in peace.

Perhaps, she could send him out for all the kids’ needs and assorted errands? 

...But, could he be trusted? 

Well, if Beth refused to leave the house, that meant she was also choosing not to go with the kids to the movies or the library, places with functioning air conditioners where she could cool off. And what else could they do tomorrow? Maybe she could dig out the old sprinkler from the garage… But, then she’d have to go into the garage, and the temperature in there-- 

Anxiously, Beth meanders the tabs on the DSW website and adds two new pairs of flip flops to her cart. One’s a little more casual, definitely good for pool-side and backyard time. The other pair is a little more dignified. They didn’t look like they would clack. 

Well, she doesn’t need two pairs...

She’ll narrow it down later. 

In the back of her mind, Beth can acknowledge she doesn’t really need to buy anything at all, and that these sandals will not make her current discomfort any more bearable. But, it doesn’t hurt to look. 

Oh, goodness -- what about when she has to go back to Paper Porcupine for her next shift? The thought of putting on any of her flats seems like too much to bear, claustrophobic as they were in the heat. Pumps were out of the question. Which brings her to her last job-appropriate footwear option -- her ankle boots. Weirdly, that seemed to be a fashion trend that was happening now, but nope, absolutely not. 

It is in this fever pitch, that Beth makes her third and perhaps most egregious mistake: when Rio knocks on the French doors, she lets him in. 

In her defense, she’s a little dazed. As mentioned before, the current state of Michigan is literally hell and Rio’s appearance… takes her by surprise. She was not expecting him to show up today with a duffle of the rest of the small bills. He hadn’t texted and to top it off, he is wearing... an outfit she has never seen before.

A sleeveless shirt.

A sleeveless shirt and joggers, fancy athletic ones that look a price point (or three) above the ones she usually buys for Dean. However, despite this new foray into athleisure-wear, Rio remains head to toe in his favorite color with black on black Chucks rounding out the look. 

What a goth, Beth thinks, shaking her head to herself. This outfit in over-100 degree heat? 

She feels hotter just looking at him.

Like Mick the other day, Rio is sans-jacket, sans-button-up, and sans-beanie and there’s just… miles and miles of uncovered brown, freshly sun-kissed skin. 

Maybe, it’s her deep-seated jealousy of people who can tan. All her skin is good for is glowing in the dark and flash burning at the slightest interest from the sun. And mind you, she’s currently safe inside her dim bedroom, but it’s the strangest thing...  She’s burning now as her eyes trace the smooth skin exposed at the base of his neck, burning as she follows along the neat, sharp line of his collarbone where she had bit--

Stop, Beth. Why did she still want-- 

Had he purposefully shown up with a work excuse on the hottest day of the year to pester her? Was this a latent extension of his punishment? Beth thought they were past this. 

But, you know what? Whatever. Let him try.

She’s cool. She might be sweaty as hell, and wanting to crawl out of her skin, but she is cool as a cucumber, cold as ice, profoundly unbothered. 

She’s so cool that she doesn’t say a word. 

Not to greet him, or remark upon the mistake with the drop or… his atypical clothing choice. 

She doesn’t comment either on the state of their business or ask after whatever it was he had assigned Mick to do this week and had seemingly gone awry. 

She doesn’t comment as his mouth drops open with surprise as he takes in her appearance, his eyes widening with something as intolerably warm as the air around them. The bag slips from his grip just inside her doorway.

Nor does she say anything when Rio follows her back to bed, tethered to her through a tenuous spell of heat (weather or otherwise). She’s cool, indifferent, breezy actually as she repositions herself in the crosshairs of the fans. If she pretends he doesn’t matter, she doesn’t have to share the breeze right? So she doesn’t pay much mind as Rio slips off his sneakers and settles next to her. Instead, she re-balances the laptop and resumes pursuing the online DSW store. 

She doesn’t say anything as he eventually shuffles closer, presumably to watch as she adds strappy sandals to her cart (or more probably to peek down her shirt). And god-- this stupid tank top. Maybe her boobs look better from over there in Rio-world, but over here she is sticky with underboob sweat and crossing her fingers that none of it shows through her bra. 

His shoulder leans against hers.

And she has every reason to push him away, but… his skin is cool and smooth and not the most intolerable part of this weekend. So, she lets him stay there. 

And she continues to ignore him, cool-like, or cool-aspiring.

Until he no longer lets her. 

Concentrated as she is on her shopping, she notes idly as Rio’s foot reaches out to nudge one of her fans to aim more directly at him.

Beth can’t help the snarl that comes out of her mouth, “Don’t.” 

He always brings out the worst in her.

There’s a low snicker. Her gaze drops down to take in Rio’s arm as it presses up fully against hers. His fingers reach over to pinch her thigh. 

“Damn, ma.” 

There’s that heat again, the one from inside. God, she hates him. 

Beth shuffles away, frowning at her screen. Rio shuffles too, sidling up next to her again. She adds another pair of sandals to her order and then considers her cart. 

“Elizabeth…” In the corner of her eye, she catches the movement of Rio shaking his head with reprove. “Think about where you live.”

Beth flails on the bed in a display that admittedly reminds her of her own children in a fussy mood and it only annoys her more. Her bedspread sticks to her arms, the backs of her legs, and the exposed sliver of her midriff where her top is creeping up. Beth shifts, trying to dislodge the cover from her skin, mindful to protect the laptop. It’s only happenstance that she manages not to shift a single inch of where the length of her arm touches Rio’s. 

As she tries to calm down, a brief vision comes to Beth -- an alternate universe where the laptop is safely tucked away and the HVAC blessedly functions. The Rio and Beth of this fantasy are them but also not… maybe she’ll call them Christopher and Elizabeth. That Beth -- Elizabeth -- is only mildly inconvenienced by the heat raging outside. She can rest her dampened forehead against the cool arch of his-- Christopher’s neck. She can lean in to press a weak kiss at his collar bone. In fact, she can kiss it anytime she wants, invited to touch him anywhere she like. In this dream, Elizabeth’s ministrations don’t have to be surer or bolder or cool -- because she has him. 

All the time. 

She can afford to be soft. 

In turn, Christopher nuzzles his face into her hair fondly, and that Elizabeth receives a soft kiss at the crown of her head. There’s an undercurrent of sex between them, the suggestion of it, but overall the scene is sluggish in the zenith of summer and content. Elizabeth can curl her body around his and let him hold her-- 

How silly. 

Beth shakes herself out of it and realizes that Rio has shifted on his side, watching her as she’s zoned out staring at the cart full of sandals for too long. His lips twitch and almost pull into a smile. Then, he quells them into mock seriousness. 

It feels too intimate, him with her on this bed, her bed, the bed. It feels like Before. 

God, why is he here anyway? If she was alone, she could peel off all her clothes and… take an ice bath probably. 

Not think of him at least. 

Not think about that wild, feverish idea of curling up, fitting her body into his and surrendering to the heat. Not think about how desperately and pettily she wants to pinch him back. She wants to kiss that stupid look off of his face or... Maybe she could purchase all six pairs of sandals and start browsing for pools on Cloud 9 just to spite him-- 

 “I am thinking about where I live and actually, it’s the middle of summer here--” Beth bites out. “--and it’s outrageously hot.”

“Just buy yourself a pair of sturdy white lady shoes. You mean to tell me you don’t already own some Birks?”

“Excuse me--” Beth splutters, incensed. She had considered them first but had been discouraged again by the price tag for a single pair.  “White people aren’t only ones who wear Birkenstocks.”

Without missing a beat, Rio volleys back, “Baby girl, what are you going to do with so many pairs of sandals in Michigan the rest of the year?” 

“Says you.”  

“Oh?” 

“You literally have a million pairs of shoes. Your closet is insane.”

It dawns on her, what she just said. 

Oh. 

Not good. 

It’s the fucking heat. At least, the discomfort can’t blotch her cheeks any more than they already are. 

She knows that if she looked at him now, she would see Rio doing something... obnoxious with his face. He’s probably smirking in that terrible, gloating, dumb, sexy way that he does, but too bad. 

Beth refuses to look at him.

She’s indifferent and unbothered. She’s cool. She’s the kind of Beth that would never ever even think about his closet or daydream about them folding clothes together or fucking on-- 

So, instead, she snaps her laptop close with a final click. The sandals were a half-brained idea anyway and that was a conclusion she already came to on her own. Thank you very much, boss. 

She starts to get up but then Rio’s hand reaches out to curl around her thigh, pinning her to the bed. He squeezes her leg gently, as he has the audacity to shush her. 

It’s enough impetus for Beth to rear her head back to meet his gaze again and level him with her most withering glare. 

And, what do you know? She was correct. He appears to be very entertained. 

This time she feels the heat surge on her face and knows without a doubt that it shows on top of the heat rash.  

“Yeah, so… are you ever gonna tell me what you were doin’ at my house?”

“No.” She snipes, prim. 

“No?”

“I wasn’t doing anything.” It's outright untruth.

Rio’s amused disbelief and her defensiveness meet in a standoff. Beth knows from experience he’ll try to wait her out and she gnashes her teeth. 

Then, there’s a twitch of movement at her thigh, the flex of fingers she realizes are still there and Beth registers the warm span of his hand a few inches above her knee. Her gaze darts down to look at where he’s touching her. He glances down, too. Together they watch as his thumb slowly strokes her skin. Then, again. 

They both observe as the muscles in her thighs just perceptively clench.

God, him and her, in this bed. 

His voice softens to that ridiculous mumble, both low and rich. “Aw, c’mon, darlin’. You can tell me.” 

The tone raises her hackles -- as if she wasn’t already too familiar with this trap! She tries to affect nonchalance -- she’s cool -- and shrugs, “It doesn’t matter anymore.”

Rio grins. It’s sharp like a knife and charming. She hates that he’s the most attractive person she’s ever met. “You liked my closet?” 

Then, an idea comes to her-- how she can best him at his own little game.

Beth curls on her side towards him. Her cleavage deepens and god, she can instantly feel more sweat bloom but she knows what he likes. The line of their bodies is parallel, only separated by an inch or two. They’re sharing the breeze from the fans now and wisps of her hair have gotten loose from her bun and are blowing into her face. Rio’s hand shifts to resettle and it drifts up to stroke her hair back behind her ear. Then it drops to curl at her waist. And you know -- nice move -- but she can do him one better.

“Yes,” Beth says simply. She brings her hands up to trace along the neck of his shirt, across his pecs, and the expanse of skin she hasn’t seen since that afternoon of Before. “I didn’t see this though.” 

Then, in a moment of haughty malice, her fingers find the notch of his clavicle. She watches his throat bob as he swallows hard and she counts the success. She ignores the tell-tale temptation to gift him more bruises, to kiss him… 

The thought occurs to her, distantly, slowly emerging through the fog of heat, that if she tugged the fabric to the side a bit, she’d find one of the scars she gave him. Her hands become clammy and they retreat. 

“You like it?” Rio’s voice comes out a smidge hoarse. But, perhaps only someone who knows him like her would notice. 

Beth shrugs a shoulder. 

His eyes are bright as he looks back at her. His gaze shifts crass, laden with the suggestion of sex, and there’s a tinge there that's not quite sour per se. But, it’s heavy with the particular weight of who they are now. His line of sight deliberately drops to her cleavage with old, salacious purpose. 

It’s not the way he looked at her that day, that one time (or two).  

Self-rebuffed, Beth tries not to think too much about how she hates that Rio caught her dressed like this. She itches to pull her top up to her neck or scramble off the bed to find something else to throw on. She itches to disappear entirely or to retreat into her bathroom (and see if this time he’ll follow her there too). 

Slowly, in performance, Rio moves the fingers at her waist and dips them under the edge of her tank top. He traces teasingly underneath along her sweaty skin. 

“I like this.” Rio says, biting his lower lip lewdly, tugging along the hem of her shirt. 

And Beth feels-- she feels--

Too hot. 

Too objectified. 

Her stomach drops and she wants to crawl out of her skin. This wasn’t, this isn’t-- This isn’t what it was. 

No matter who they are this minute, whatever mess continues to unfold, this isn’t what that day was.  

She won’t let him ruin it. 

“You know I did really like your closet. I liked your shoe racks--” she scrambles, trying to dangle a little of what he wants and to remind him. “Your pictures. Nice touch.” 

The comment serves its purpose. It makes him pause, sufficiently rebuked by all the ways that she knows him. 

Rio extricates his hand, pulls away from her skin, as she tries again to calm herself. She needs to be cool, cool, cool. 

But, it’s unbearable -- who they are now.  

She feels frazzled and depleted as she watches Rio roll onto his back. He looks up at her ceiling, not at her. “Why can’t you be honest with me for once?” He says it tiredly, without artifice. 

She can’t stand it. 

“You’re one to talk.”  

Beth watches as Rio is now the one gritting his teeth. 

“Y’know--” There’s a poignant, festering beat and then he says, “When I fucked you in this bed, I had wanted…” 

More. 

That want goes unsaid, suspended in the air around them with the heat. 

“But, you just wanted me to fuck you,” he finishes quietly, leveling her. 

Her stomach bottoms out newly pained and she wonders if that day, those two times, are already ruined for him. Certainly, she can understand if it’s because of the bullets. But, if he still has any doubt-- 

She makes a last-ditch attempt at levity. 

“You’d probably say this is really… basic bitch of me.” The phrase fits awkwardly, and the call back immediately has Rio’s attention. She knows in her race to pull something together, to make it better, something bearable, whatever she’s going to say is going to be too candid.

“Yeah?”

“But, the times that I’ve been the most… attracted to you--” Oh god, this isn’t coming out light and casual at all. Oh no. 

Rio shakes his head at her, “Don’t stop now, Elizabeth.”

“Oh my god, shut up,” Beth huffs. Then, she tries again. “One is definitely when you were bashing in that butt-ugly car.” 

Rio’s eyebrows raise comically high. 

“You know with the crowbar,” She gestures, swinging her hand gratuitously. He absolutely already knows what she’s talking about. 

“And two..”  Beth shuts her eyes and takes a steadying breath. She hopes for the best and tries not to rush the next bit. “--was when I saw your closet was color-coordinated.” 

She sneaks a glance at him, and her stomach twists again.

He has absolutely no business looking so fondly at her. 

She strives to clarify. “But, that was before.” 

“Not anymore?”

“No.” 

Rio nods, presumably in acceptance of her refusal. 

But, then he tugs her to him, across him. Beth settles on top of him, too hot, too sweaty. Her forehead comes to rest, pressed against the soft hollow of his neck.  

[janiahspeaks]

Who’s to Blame for the Ongoing Unethical Practices of Fast Fashion? Consumers or the Brand? (Discourse Surrounding the Popularity of Shein)

There has been growing concern on the unethical practices related to fast-fashion and the negative impact they have on the environment. The fashion industry is the second largest polluter, and fast fashion brands like Zara, H&M, Asos, Boohoo, and Forever21 have been dragged in the spotlight for their disastrous roles in terms of the planet. These brands put out thousands of new clothing each day, contributing to the growing problem of textile and water waste. Fast- fashion brands have also gone under fire for their labor practices as many aren’t transparent enough or have been exposed for child labor and paying low wages. Recent discourse has been surrounding the brand Shein. As a result of the pandemic, Shein, previously Sheinside, has become a top fast fashion brand specifically for Gen Z. During the 2020 pandemic, Shein gained a profit close to $10 billion. Their Instagram alone has 21.6 million followers. A huge influx of Shein hauls, costing hundreds of dollars, have been posted on Youtube, Instagram, and TikTok by influencers and common people alike. As a result, their followers run to the brand to buy cheap, low-quality clothing to follow continuously changing trends. There has been an immense amount of discourse over the ethics of supporting Shien and whether the blame is on the consumer, or the brand itself. Many buyers of Shein defend their buying habits on still wanting to enjoy fashion while being from a lower-class background. While many plus sized women are defending their purchases by claiming Shein is one of the few fast-fashion brands that cater to plus sized women at an affordable price. On the other hand, the opposite opinion believes the unethical and unsustainable practices of Shein are evidence enough to not support the brand. Shein too has been under fire and exposed for their lack of transparency when it comes to their labor force and privacy policies. Shein has lied about their labor practices and wages and has yet to disclose information about its working conditions and supply chain that are required by law in the UK. While TikTok has been a strong platform for Shein to grow their audience, it has also been a place that many users have of exposed Shein for their unethical practices. For example, recently Tiktokers were warning people about Shein’s constant data breaches involving users’ personal information. Critics of those who buy Shein usually suggest buying from thrift stores, secondhand shops, or ethical brands. However, many say they can’t afford ethical brands or have thrift stores they can go to that align with their fashion style, which is understandable. Critics of Shein also point out the many times Shein has sold severely offensive products on their website with some being a necklace with a Buddhist swastika pendant, a phone case with an image of a handcuffed Black person outlined in chalk, and a Muslim prayer mat as a decorative rug. Although Shein has publicly apologized for these instances, it goes to show how immoral fast fashion can be as this is a result of producing anything and everything to encourage overconsumption. Another criticism of Shein is their blatant stealing of clothing ideas from small fashion designers. Although many designers raise awareness about their designs being stolen on social media, it’s unfortunate that many people will never know or support the actual brains behind the design. This shows how much of a giant Shein is as they can find designs to copy and have them on the site in less than a week. I too was a buyer of Shein, before the brand’s rise in popularity, dating all the way back to around 2018. Being a young college freshman, I was determined to look my best with the little money I got with my part-time job, and Shein was the company I looked to. As of today, I have none of the clothes I purchased from them. I either sold them on secondhand apps or had to throw them away because they were no good. Ultimately, the clothing is cheap and not meant to last long. Coming from a lower-class background myself I understand the struggle of being a young woman who loves fashion but has a tight budget. You want to keep up with trends, and these fast fashion brands strive on microtrends and overconsumption/consumerism. However, I believe us as consumers do have a slight responsibility to limit our consumption if we want to protect the planet. I completely understand the struggle plus-size women go through when it comes to fashion as well. If you must buy from fast fashion companies at least lower the amount you’re buying. You don’t need 100 new clothes every month. I know not everyone has good thrift store but if you live in the U.S., which is the majority of Shein’s market, there are plenty of Goodwills, Value Villages, Park Ave Thrifts, and more that are scattered around the country. I love thrifting because you can find unique pieces for super cheap its just a scavenger hunt

[lunarr-rrose]

Finance Options & Strategies

https://u109893.h.reiblackbook.com/generic11/the-storage-stud/finance-options-strategies/

In this video, Fernando would like to talk about finance options and strategies when it comes to self-storage.

Starting from the end then move his way to the beginning.

The last on the list for Fernando’s finance options is to have stabilized senior debt that is non-recourse.

A non-recourse loan means that even though you are signing for it, if anything happens, for instance, if the market goes down you are not liable for that loan.

This is one of the best types of loans to get to limit your liability.

Usually, to get these seniors loans or “the stabilized debt”, the property has to be at its maximum potential. It has to be fully occupied, it’s bringing a high revenue and net operating income as much as possible.

A non-recourse type of loan is one of the most favorable because it has longer terms and has lower interest rates.

Your next finance option for your property can be a bank loan. This is a recourse loan meaning that you are fully liable regardless of what happens in the market.

If you want to learn more about the other types of financing options and strategies that Fernando is willing to share just continue watching this video.

Fernando O. Angelucci is Founder and President of Titan Wealth Group. He also leads the firm’s finance and acquisitions departments. Fernando Angelucci and Steven Wear founded Titan Wealth Group in 2015, and under his leadership, the firm’s revenue has grown over 100% year over year. Today,

Find out more at

https://www.TheStorageStud.com

https://titanwealthgroup.com/

Listen to our Podcast:

https://thestoragestud.podbean.com/e/finance-options-strategies/

------------------------------------------

Hi! This is Fernando Angelucci, I'm The Storage Stud. Today, I'd like to talk about some finance options and strategies when it comes to self storage. So, I guess we should start from the end and move our way to the beginning. You know, the end of be all is, to have stabilized senior debt. That is non-recourse. So, when a loan is non-recourse, that means that even though you're signing for it, if anything happens, you know, let's say the market turns or there's some type of Black Swan event. You're not on the hook for that loan. If there is a loss to the property, or if, say for example, you have to fire sale it and you can't get more than, what the loan amount is for. So, that's a non-recourse loan. Now, there are what they call carve-outs, primarily bad boy carve-outs. So, you're not, you know, purposely defrauding anybody, you know, you're not engage in illegal activity.

If that were the case, then it would become recourse. But, if it's just something that has to do with, you know, factors that are out of your control that's where you'd have a non-recourse loan. So, those are always, you know, the best types of loans to get, just to limit your liability. But usually to get these senior loans or these stabilized debt, the property has to be at it's maximum potential. It's already stabilized. It's fully occupied. It's bringing in as much revenue as possible. The net operating income is as high as it's going to be, you know, aside from maybe growth in inflation. But those types of loans are usually the most favorable because of how long they are and how low the interest rates are. For example, a senior loan on a stabilized property might come from a life insurance company, or it might come from the Commercial Mortgage-Backed Securities market or CMBS as some call it.

It may even come from some of the big lenders such as you know, JP Morgan and Morgan Stanley and Barclays. So, these types of loans are typically up to a 10 year balloon. So, you have up to 10 years to either sell or refinance. And they're usually amortized over a longer schedule, usually 25 to 30 year amortization. Recently, in the last few months, I've been seeing quotes as low as 3.3% interest with some options going, you know, allowing for interest only, through either a portion or the entire balloon periods all the way up to 10 years paying only the interest with no principal pay down. These loans are typically, they're a little bit more difficult to get. You need to know, kind of people in the space. We typically go through brokers that have these relationships in the CMBS markets with the life insurance companies that will lend on these types of assets.

So, those are kind of the goal that you're trying to get to always is, you know, stabilize the property, get some senior debt on it, take it off your balance sheet. So, it's no longer, you know, it's no longer recourse. Now, one step ahead of that is, let's say a like a bank loan, a local bank may finance a property. These are typically recourse, which means you're on the hook for that loan amount, regardless of what happens in the market. And they typically have shorter, not only balloon schedules, but also amortization schedule. So, a typical bank loan that we see and we use, are you know five-year balloon with a 20 or a 25 year amortization. Typically these loans are going to require about 20 to 25% down. Now, there's a caveat because self storage is a business that also qualifies for SBA financing, which we'll get to in a little bit here.

And these are good loans for property that already shows income. It already shows that it's producing positive cashflow. It has a solid debt service coverage ratio or debt covers. Some people say your debt service coverage ratio is the amount of payments that you have to make, or the dollar figure per year, your debt service divided by your net operating income. And that will, I'm sorry, it's the other way around your net operating income divided by your debt service. And then that will come out as a ratio. It's usually, you know, banks want to see a 1.2 or 1.25, that covers. So, that means that your net operating income is 120 to 125% of what the debt service is. Again, so that's really good loan. If you can show financials from the seller, now let's go even one step ahead of that.

Say you are working with a seller that, decided that instead of paying taxes on his property, he was going to hide the income by taking cash and not reporting that income. So, his tax returns do not reflect what the property's actually bringing in. This is very typical, especially with smaller operators. These mom and pop owners, we find that, you know, one in three chance that the income that they're showing is not the true income potential, but here's the problem. These sellers, they want to get the value based off of all the income that it's producing, even the income that they can't prove on their tax returns. So, they basically chose, you know, Hey, do I want to make my money now, by not paying the, my proper fair share of taxes on these returns? Or do we want to make my money later by actually showing the income so that when the bank appraises it, or when a seller comes and looks at my last two to three years of tax returns, that the true value is represented.

The true net operating income is represented in those tax returns, and then you get a higher purchase price, but most of the time people want to have their cake and eat it too. So, they'll hide income, but they still want to get the value at where it was if all of the income was actually shown. So, there's two ways or three ways that you can handle those types of situations. The first is, to ask the seller to finance the property for you. Saying, hey, Mr. Seller, you know I understand you want a million bucks for your property, but based on what your tax returns are showing, I can only pay you 500,000 and that's what the bank will allow me to buy it at. So, we're at an impasse here, unless you are willing to be the bank for two to three years, for me, as the seller financer.

And that way I can properly, you know, show the income that this property is producing on a couple of tax returns. And once I'm at two to three years worth of showing the proper income, then I could refinance you out with the bank. So, that's option number one. Typically, it goes 50 50, you know, it's, if the seller needs the cash immediately. They usually won't go for that type of strategy. But if, you know, they, they still like to receive passive income and residual income by getting those interest payments. And they don't need all the cash right now, then we'll structure something like, you know, 15% down or 20, 25% down, you carry the mortgage for us for, you know, three years. And we'll have an amortization schedule over 25 or 30 years. And I like seller finance deals because you can dictate all the terms.

Usually when you go with a bank there's very little, you can really negotiate on because of the golden rule. The golden rule is he who has the gold makes the rules. So, I do like seller financing. Now, if the seller is unwilling to do that, another option you can do is go with an asset based lender or a hard money lenders as they're called colloquially the hard money lenders. They're going to look at asset value and they're going to lend up to a certain amount of that value. These lenders are typically experienced with real estate investors. They understand that we buy things at a discount, and we do a value add to raise the value of the property over two to three years, and then either refinance or sell. So, these hard money lenders are a good option when you have tight timelines.

And maybe you don't have as much down payment money as you need, but you do pay for it on rate. So, as opposed to say, you know, CMBS or senior debt life co companies, or you know, Morgan Stanley or some of these big firms where they're, you know, you're paying 3.3 to 3.5% interest, a bank might give you a loan anywhere between four to 5.2% interest in today's world, but a hard money lender. You're going to be paying anywhere between 10 to 14% after all the points and fees are included in this, because it truly is one of those situations where, you know, they're taking a risk and they want to be compensated for that risk. Typically these loans are short-term and they're not amortized or they're interest only loans. They will be one, two years, maybe three years interest only with the whole point of you taking them out as soon as possible, because those interest rates that they charge are pretty high. Now, suddenly between the bank and the hard money lenders or the asset-based lenders are the bridge lenders.

So, the bridge lenders are there specifically to be a bridge, bridge you from where you are now to the debt. That's going to be a little bit longer term. These are also typically interest only. I have seen them amortize as well. They're a little bit cheaper than the hard money loans, but a little bit more expensive than the bank loan. So, we have seen bridged at anywhere from, six and a half to 9% interest storage. So, the last couple of months these are typically they come from private equity firms or hedge funds. There are some banks that do bridge lending, but it's not very common. So, those are some of the options that we use as far as like traditional real estate financing. But as I alluded to before, there's also a caveat that self storage is also considered a business.

So, you can qualify for SBA loans, which are the Small Business Administration. These loans are pretty favorable, but they just come with a ton of extra documentation and rules. The two that we typically look at are the SBA 7 A and then the other one is the SBA 504 loans with these types of loans, you can get into a property with 15% down. And the amortization schedule is usually very favorable. 25 to 30 years, the rates are also decent. You know, they're going to be comparable to bank debt, maybe even a little bit cheaper than bank debt. And I won't get into it now because it's a whole other conversation, but the way they structure it is by having participation from other banks on one of the loans. And the other one is direct, a direct loan from the SBA.

So these, types of loans are great. If you have a lot of time on your hands, you know, if typically SBA lenders say they can get deals done in about 60 days. I have not seen that in my experience with storage, especially on the types of properties you're purchasing with these SBA loans. Typically, the documentation is not real good, let's say from the seller side. So, I usually will tell the seller, Hey, I'm going to need 90 to 120 days to close if I'm going to be using an SBA loan. So, those are some of the options that we use when it comes to financing self storage properties, and each loan has kind of its own little bucket. And they kind of blur a little bit at the very edges. So, when you're going from bank that a senior debt stabilized that there's a little bit of blurb on the edge of each same thing from bridge debt to bank debt, same thing from, you know bridge to hard money.

And then, you know, our favorite of course, is the seller financing. And one of the main reasons we really like it is cause it's a win-win not only do we get to set a terms, the underwriting is almost non-existent. The seller also takes advantage because now they're making interest on their purchase price and they're able to spread their capital gains and depreciation recapture taxes across multiple years, instead of just taking it in a, you know, a one-off transaction where you may have to pay two, $300,000 in capital gains in depreciation recapture. So, if you can spread that over time, that really helps with the sellers. So, let me know if you guys have any questions on, you know, financing options and strategies, when it comes to self storage, feel free to leave a comment below or reach out to us on our website or social media. And until next time, you know, it's good to see you.

[surveys-at-your-service]

Survey #460

“i let it fall - my heart  /  and as it fell, you rose to claim it”

When you were younger, did your mother or father ever let you open a few presents before Christmas or your birthday even arrived? We have a tradition of opening one of the smaller presents on Christmas Eve. If you could receive a 100 dollar gift card for either blouses, pants, dresses, shoes or purses, which would you chose? PANTS. I need new pants BADLY. What is your favorite thing to do after crying? Ex: Sleep, listen to music, have some alone time, talk to someone, etc? It really depends on why I was crying and how hard. Do you think Trump will be assassinated, or will he survive his term? Old survey. I really thought he'd be assassinated more than any other president, honestly. Last time you felt suicidal? A couple weeks ago, but they were only passive thoughts. Last time you had butterflies? Sometime today, thinking about things. Biggest asshole you know? Some relative of my sister's in-laws' is so fucking rude. Literally no one likes him, but because he's family, he comes to events, anyway. Did you ever leave someone because you know you’d hurt them? No. What song did you last listen to? I'm listening to No Resolve's cover of "Set Fire to the Rain" by Adele. I have seriously been into rock/metal covers lately. Ever ridden in a police car? Yes. That's how they transport you from the ER to psych hospitals here. Ever witnessed a murder? JESUS, no. Have you ever lied under oath? No. Have you ever failed a subject before? I failed Algebra I during my last college attempt. Have you ever had a deadly animal as a pet? Noooo. I wouldn't. I want tarantulas, which are venomous (the potency ranging from what side of the world they come from), but even the worst of their venoms isn't fatal. Have you ever kissed someone of the same gender? Yes. Have you ever been in a hot tub before? Yeah. Have you ever been to a movie that sold out? It's possible, idk. What movie last made you too scared to go to sleep? None, I think? When you’re on a laptop, do you hook up a mouse or use the touchpad? I use a mouse. What’s your mom’s mom’s name? Cecelia. Would it be hard seeing someone else kiss the person you like? BOY THAT WOULD SUCK Have you ever been tempted to steal? No. What is the main character’s name in the book you’re reading? Moonwatcher. Do you have a favorite local band? Who are they? No. Who’s the last person you saw naked, aside from yourself? Mom, walking to her bedroom after a shower. Who’s your favorite horror monster/killer? Pyramid Head from the Silent Hill franchise. What kind of music do you prefer to listen to when driving? When I'm driving, no music. I can't focus. Would you ever own a hairless rat, cat or dog? I'd LOVE a sphinx. I doubt I'm ever getting rats or dogs again, but I do think they're cute. Females, anyway. I'm sorry but hairless male animals are just laksdjfk;lajdwkl;wj for obvious reasons. All the people you’ve kissed, what did their names start with? J, T, D, S. What did you and your ex fight about most? "The" ex, uhhhh... I don't really know. We didn't fight a lot. Don’t you love long hugs? YEAH especially if I'm crying or just in general need comfort. And long kisses? If we're serious and the timing is right, yeah. Have you ever purchased condoms? No. Have you ever gone on vacation with your boyfriend/girlfriend? No previous ones, no. Have you ever trashed your ex’s car after an argument? No. Even I wasn't THAT low. Would you leave a note on a car claiming responsibility if you damaged it? Yes. My guilty conscience would eat me alive otherwise. Have you ever used someone's handicapped parking pass to get a parking spot? No, and you're fucking garbage if you have. Are you embarrassed to tell people your job? I'm humiliated to tell people I don't HAVE a job. If you ran over an animal would you keep driving? omfg NO. I would absolutely pull over sobbing, move the animal to the side of the road, and hopefully there will be some wildflowers nearby to rest on it. I'd call whoever picks up roadkill, too. Where’s the best place to eat a romantic dinner? Take me out to Olive Garden like a basic white bitch & feed me spicy shrimp fritas and u have approximately a 90% chance of getting laid. :eyes emoji: What hobby would you get into if time and money weren’t an issue? Ohhhh I know there's one, but I'm blanking. What would be the most amazing adventure to go on? That is like an impossible question. There are so many possible, epic adventures. When people come to you for help, what do they usually want help with? Writing stuff. Has anybody criticized the way your significant other looked like? Yup, in the past. Like shut the fuck up, are you the one dating them???? Have you written or drawn anything for somebody else? I've done this many, many times. Who has impressed you most with what they’ve accomplished? Idk, there's a lot of people I know like that. What is something you think everyone should do at least once in their lives? Fall in love. Nothing matches that feeling to me. What would you rate 10/10? markerplayer What do you hope never changes? My resilience. I never want to give up when something knocks me down. Would you ever have sex with the last person you texted? UM THAT IS MY MOTHER Is there anyone that you’d love to just spill your guts to? Girt. Like. Now. But I'm waiting until I actually see him again. This needs to be said to his face. Where is the person you have feelings at right now? He's maybe asleep or just waking up? I don't actually know his exact hours and I know they alternate, but I think he primarily works the night shift at his job? Are you happy with your relationship status? I'm not anymore. I want to be with ^ like very badly. When did you last cry? What for? Today. I'm terrified of loving someone again in the fear of getting very hurt or plain traumatized again. Do you think you’re wasting your time on the person you love? No. When’s the next time you’ll kiss someone? I usually hate questions that assume I can see the future, but I can tell you I plan to whenever I see He Who I've Mentioned a Gazillion Times In Today's Survey Spam. Were you ever scared to death of anyone you knew? Or are you currently? My dad, in the past. Not currently. What’s the longest you’ve been away from home by yourself? If you wanna count hospital stays, like... a month? Have you ever been made fun of, because of what you look like? I've been made fun of online once because of my weight. The insult never left me. Have you ever made fun of others, because of what they look like? No. It's awful. Do you think it’s cute when you’re leaving a place, and a guy says “no hug?” What a dick move. Some people don't like hugs. Do you wear short shorts (if you’re a girl)? I didn't know short shorts were specific to females. Anyway, no. I hate my legs WAY too much. Who are you the most uncomfortable around? My sister's in-laws and her husband. Who has your heart? I'm never giving that to another person again. I've got it. But to answer the general question that's being asked, I've fallen like head over heels for Girt. Should cloning ever be allowed to happen? I think it's pretty... I don't know the right word. It just seems immoral to me? Especially when you start cloning things with an actual conscience. I can see a lot of problems arising from it. Are you impatient with really shy people? Well no, given I'm one of 'em. Does your house have air conditioning throughout, or do you have one that sits in your window? Throughout. What is the most ridiculous band name you’ve heard recently? Recently? Idk. Would you ever get a fashion mullet? NOOOOOOOOOOOOOOO mullets are so ugly alsdkfj;aljdl;jwe Do you believe that Jesus lived and is returning? Isn't it historical, documented fact he was a living person? Even if that is true though, I don't believe in his "miracles." Do you believe in spiritual gifts? No. Do you believe in callings? No. If you were rich, would you get a professional photoshoot done? UM hell yeah. Pls take pictures of me that help me believe I'm even just 0.001% pretty.

[bestie-enthusiast]

Chapter 4: Awkward Conversation and Lawyers

Hello!! This is the fourth chapter of my PTA! Dad! Zemo fic. This is the sixth installment of 11, and the previous chapters can be found under the hashtag pta dad zemo.

Fic Summary: After the untimely death of both his wife and father due to a bombing, Baron Helmut Zemo takes his son and immigrates to America. He does not expect to find a family nor a romantic partner, and he especially does not expect to find the ability to heal. To grieve.

And yet, here we are.

This is a story about connections, growing, healing and mourning the past while still appreciating the future and all it has to offer.

Chapter WC: 2040

Fic under cut!! Hope you enjoy!!

One Month Later

Zemo walked next to Sarah, chatting about nothing in particular. He had nothing to do today and was accompanying Sarah to her restaurant. He had been a few times before, but each time made an excuse to leave when the compassion and empathy Sarah clearly had became too much. He was always worried that he might become too attached to Sarah, start viewing her like the sister she practically was to him, that he would lose sight of the only thing that mattered, that being Carl.

But today the grief was especially strong, and he was not about to talk about mindless things with Oeznik. His butler was an old friend, but he was required to listen to Zemo and do what he says, Sarah wasn’t. It was comforting to have someone to call him out. He knew Sarah wanted to ask, but she was kind in the way she never pressed. Not on this, at least.

“Look, you don’t have to tell me what’s wrong, but something clearly is, and I’m here if you need me okay?” Sarah suddenly said, and Zemo blinked at her.

“Thank you.” He replied thickly, and quickly cleared his throat. He briefly considered talking to Sarah about his wife, but he still was not yet prepared for that conversation. He blinked harshly when his eyes threatened to fill with tears and instead told Sarah about his most recent conversation with James.

“He’s so perfect,” Zemo waxed, biting back a grin at the way Sarah lit up. She loved teasing him over his cru- er liking of Carl’s teacher. “I mean honestly, have you seen him?”

Sarah laughed, and they both walked into the restaurant. Sarah was rushed off by an employee, and Zemo took his usual seat. He ordered a glass of water and handed a 100 dollar bill to the employee, telling her to keep it. She muttered something about rich people, and he felt his smile flicker, but kept it up regardless.

He reminded himself that some people didn’t like randomly being paid by rich assholes. He was an acquired taste. She returned with his glass of water, giving it to him and leaving without saying anything. As soon as she was out of sight, he let his smile drop. He briefly debated texting Dr. Raynor, but decided against it. They had only one session and a brief phone call to talk about session frequency and dates. He had an appointment tomorrow, he could manage until then.

Despite the fact that he thought he could manage, he texted Oeznik to pick up Carl from school, instead of him. As he was texting, someone came into the restaurant, and Zemo shrunk in on himself when he noticed it was Sam. The man had a clear distaste for him, and Zemo tried to avoid him whenever possible. Oeznik texted him an affirmative, and Zemo put his phone away. He purposefully made himself smaller in hopes that Sam would not spot him, but unfortunately he was rather unsuccessful. Sam had surveyed the room and spotted him in his semi-hidden corner table. Sam made his way towards him, and Zemo summoned all of his energy into looking like a baron, like he was supposed to. “Zemo. What are you doing here?” Sam asked, glaring daggers at him. Zemo wilted a little under the forceful glare. The harsh tone of voice made his already weak defences waver, and his smile tightened.

“I enjoy the atmosphere.” Zemo responded with a smirk, and Sam’s glare turned all the more powerful. It was the truth though, so he was at a bit of a loss as to what to say. Clearly Sam would dislike any answer he gave, so it didn’t particularly matter what he said.

“Really? A rich jerk like you?” Sam questioned incredulously, eyes sharp and words sharper. Zemo struggled to keep his composure. Normally he would be able to keep up with insults and banter of his own, but today he was consumed by thoughts of his wife. He had also been thinking about his father, which was a pain he had not even started to process. He was not having a good day, and was constantly a minute away from just breaking down. Sam’s harshness was making that go from a minute to seconds.

Zemo swallowed thickly, trying to come up with a response, but he did not trust himself not to start sobbing if he opened his mouth, so he settled for just nodding instead. Sam glared at him suspiciously, and took the seat across from him. Inside, Zemo was already breaking down, everything was on fire. But on the outside? He gave Sam a polite smile and held out his hand for a shake. Sam ignored him and pulled out his phone, so Zemo awkwardly retracted his hand and pulled out his phone too. They sat in silence, Sam playing some kind of mobile game and Zemo simply swiping back and forth on his phone screen to look busy.

After about ten minutes Zemo broke their stifling silence.

“So…” Zemo began, tucking his phone back into his pants pocket. “How are AJ and Cass doing?” Sam continued to silently glare at him, seemingly analyzing every movement that he made. Zemo swallowed and rubbed his hands together nervously.

“Fine.” Sam finally responded sharply. “How’s-” Sam paused, searching for the name.

“Carl.” Zemo supplied helpfully. “He is well.”

“Right. Yeah.” Sam said, looking as awkward as Zemo felt. Zemo gave him a tentative smile, which he didn’t return, in fact, he actively scowled at him, so Zemo schooled his face back into something more neutral.

And then Zemo’s phone rang. He pulled it out and immediately felt a severe amount of anxiety when he noticed it was from the school.

“Helmut Zemo, how can I help you?” He answered, shoving all his panic to the back of his mind. Ensuring Carl was safe was his first priority, he could panic later.

“Hello, Mr. Zemo. I am calling to inform you that Carl got into a fight during recess today. We believe that his arm may be broken. If you could come pick him up and take him to the emergency room that’d be great, thanks.” “Mein gott,” Zemo muttered to himself, “Yes of course. I’m on my way, I should arrive shortly.” He quickly hung up the phone and threw his coat on. He ignored Sam’s question of what's up and ran out the door. As he made the trek back towards the school, he called Oeznik. He told him to bring their most comfortable car that looked like it belonged to rich people. The stupid American supervisors let his child get hurt, he was not afraid to show off the power and wealth that he had. Oeznik pulled up to the school with the car just as he arrived, and he nodded to his butler to let him know to follow him in. They were both buzzed into the school with ease, and Zemo (gracefully, he was a baron not a barbarian) stormed into the office. The secretary directed him into the principal's office, and he thanked her with a quick nod.

Oeznik opened the door for him and closed it with both of them inside. Oeznik stood in the doorway, watching over everything carefully. He would not hesitate to act if any more harm befell either of his young masters.

“Ms. Carter, always a pleasure.” Zemo said to the principal agreeably, holding out his hand for a shake. Sharon shook it once and they both released. Zemo knew of her connections to the underworld and she knew of his, so they had a mutual agreement to not bother the other one while they were living out their normal, everyday lives.

“Baron Zemo.” Sharon greeted. After he turned away from her, he took in the other members of the room. Carol was seated in one of the two chairs in front of Sharon’s desk, and her son, along with Carl, were in two other chairs near the back of her office. Zemo made his way over to Carl, carefully assessing the arm he was cradling close to his chest.

It was most definitely broken.

“Oeznik,” Zemo commanded loudly, “Take Carl to the hospital. Get him seen as soon as possible, his arm is clearly broken. Inform him that I will make my way as soon as possible.” Oeznik rushed over, gently leading Carl outside of the office, although Zemo gave him a hug and a quick kiss on the forehead before they left.

As soon as Carl was gone, he changed from a loving father figure to a pissed off, rich, european who could end your life in one word. He took the seat next to Carol and ignored her attempts to talk to him, instead he spoke directly to Sharon. “Would you mind explaining to me what happened, Ms. Carter? I would hate for any inaccuracies in the story to result in a lawsuit.” He said nonchalantly, inspecting his nails. Sharon smirked at him, and began to explain. “From what I could gather from the children, supervisors-” Sharon began, only to be cut off by Carol. “They're all lying! My darling Hunter would never dare do such a thing!” Carol huffed.

“-and security footage.” Sharon finished dryly, and Zemo delighted in the way Carol’s face turned white and dropped. His smirk grew as he watched Carol mentally panic. “Hunter started to insult Carl, who was making his way into the school in order to use the washroom. When Carl ignored him, Hunter used physical force to get his attention, and pushed Carl onto the ground, resulting in his broken arm.” “Well,” Zemo said with a smirk, “I believe we can all agree that the young Mr. West is at fault here. I will not press charges, but I think that Carol should temporarily have her position on the PTA revoked, considering that this was an act of poor parenting on her part.” Sharon’s responding grin was very much similar to a sharks, and Zemo made a mental note to go to her next party and purchase some art work. She was being remarkably helpful in dealing with Carol’s actions.

“Of course. You are free to go, Baron Zemo, and I’ll talk with Mrs. West on the matter of punishments.” Sharon responded, standing up to shake his hand. When she did, he quietly whispered for her to contact him with the details of her next gathering. She gave him a nod and they parted. He left her office with a wink, gave another nod to the secretary on the way out of the conference room, and promptly ran directly into James while exiting it.

"Говно!” He cursed in surprise as he tripped over James’ feet and started to fall. He was prepared for a harsh impact, only to have a hand wrap around his waist instead. James had caught him, and was also laughing. Zemo soaked in the noise, pushing away the normal guilt and shame he felt over enjoying James’ presence.

“I didn’t know you knew Russian.” James said, still laughing slightly as he helped Zemo right himself. Zemo flushed, knowing that his curse had been understood.

“The sentiment is shared,” He said, embarrassment coursing through him. “My apologies, I really do hate to cut our conversation short, but, as I am sure you are aware, Carl has been injured.” James nodded and they parted ways, him back to his classroom and Zemo calling an Uber to come drive him to the hospital as he exited the school.

He paid the driver extra to keep his mouth shut, and enjoyed the silent ride. He collected all his thoughts and pushed everything not important to the side. His only focus will be Carl, and that was it.

Once he arrived at the hospital he headed into the ER and texted Oeznik, who told him where he was with Carl. Zemo rushed over, not running, but walking as fast as he could that was still socially acceptable. Carl appeared to be relatively happy, and Zemo felt his heart and head finally start to slow.

Carl was safe. And that was all that mattered.

Tagging: @morganbritton132 (Who came up with this AU) and @i-ll-be-the-moon (Who is a super suporitive friend!!)

[things2mustdo]

The Ascent Of Money by Niall Ferguson is an introduction to modern finance and the rise of money lending, presenting a favorable view of their effects upon the world.

…financial innovation has been an indispensable factor in man’s advance from wretched subsistence to the giddy heights of material prosperity that so many people know today.

…poverty is not the result of rapacious financiers exploiting the poor. It has much more to do with the lack of financial institutions, with the absence of banks, not their presence. Only when borrowers have access to efficient credit networks can they escape from the clutches of loan sharks, and only when savers can deposit their money in reliable banks can it be channeled from the idle rich to the industrious poor.

…approximately $1 of every $14 paid to employees in the United States now goes to people working in finance. Finance is even more important in Britain, where it accounted for 9.4% of GDP in 2006.

The book gives an interesting history of some of the world’s most famous bankers and the power they accumulated, particularly the Medicis and Rothchilds, who brought value by facilitating trade and commerce while reducing transaction prices. It also described the role of European bankers during the American Civil War.

Though others had tried before them, the Medici were the first bankers to make the transition from financial success to hereditary status and power  They achieved this by learning a crucial lesson: in finance small is seldom beautiful. By making their bank bigger and more diversified than any previous financial institution, they found a way of spreading their risk.

One of the biggest financial innovations was fractional reserve banking, pioneered by the Swedes. Other European countries improved finance while the Spaniards, still obsessed with silver and gold in their American colonies, kept defaulting time and time again, not understanding that the true nature of money lay in debt and not mineral reserves. One of the more interesting parts of the book was its description of the bond market and its powerful stranglehold on world governments.

…the bond market is powerful partly because it passes a daily judgement on the credibility of every government’s fiscal and monetary policies. But its real power lies in its ability to punish a government with higher borrowing costs. Even an upward move of half a percentage point can hurt a government that is running a deficit, adding higher debt service to its already high expenditures.

…countries that defaulted on their debts risk economic sanctions, the imposition of foreign control over their finances and even, in at least five cases, military intervention.

While the book paints a rosy view of finance, it also highlights cases where the abuse of it through hook and crook caused problems for entire economies, particularly through price inflation. A recent example of that was Goldman Sachs’ commodity manipulation that caused the price of common foodstuffs to rise. On the other hand, ignoring finance and having inflexible monetary policy can turn recessions into depressions. He suggests that Helicopter Ben Bernanke actually did the right thing in showering Wall Street with money to prevent a depression. He also thinks Alan Greenspan is a great man for admitting he shouldn’t have kept interest rates so low.

Economies that combined all these institutional innovations—banks, bond markets, stock markets, insurance and property-owning democracy—performed better over the long run than those that did not, because financial intermediation generally permits a more efficient allocation of resources then, say, feudalism or central planning. For this reason, it is not wholly surprising that the Western financial model tended to spread around the world, first in the guise of imperialism, and then in the guise of globalization.

You’ll also read about:

The abysmal effects of Britain’s weflare system on their economy

Argentina’s failed destiny to become an economic superpower due to bad economic decisions and poor leadership

How the “risk free” LTCM fund imploded and almost took the world economy with it

My problem with the book is that his explanations were too light. He glossed over tough concepts like sovereign bonds and other financial instruments without providing much in the way of examples, unlike a writer such as Matt Taibbi who explains the most complex concept in a way that laymen can understand. I felt like I had to read this book in front of Google so that I could look up things he mentioned only in passing.

The book also seemed hurried with its historical research, especially towards the end when it become a jumbled mess. Overall it’s an okay book but I don’t recommend it for the neophyte.

…it’s not owning property that gives you security; it just gives your creditors security. Real security comes from having a steady income.

Read More: “The Ascent Of Money” on Amazon

https://www.returnofkings.com/10595/there-is-no-hedge-against-inflation

You’ve seen him: an older man sitting next to a roaring fire or maybe  walking the grounds of his ranch or he might be  in a suit facing the camera. The messages are all the same: something about  “troubling times” and “safety and security” —maybe they mention the  federal reserve or money printing. Times are bad and could get worse, but  they can help you. They have the answer. What is this company selling? GOLD.

Why would you want a gold coin or bar? It doesn’t earn interest and it  doesn’t grow or produce anything. It is vulnerable to theft. The price can  move down with astonishing speed as we saw last April (as of the time of this writing it has retraced over 50% of that selloff). But could it go up in value, could it “skyrocket” as the gold shills say?

Keep in mind that gold has already gone up a lot recently, about  fivefold  in the past ten years. And to simply say that gold is a hedge against inflation is misleading. If you compare the price today, let’s say $1500 per oz, to the average price in 1974, about $150/oz, it actually exceeded  inflation. Using CPI over this period gold’s value increased at about double  the rate of inflation. However, if you bought gold in 1980, average price that year about $600/oz, you’d have to wait until 2006 for the price to come back to that level and not inflation adjusted dollars either (inflation destroyed about 65% of the purchasing power in that timeframe – and this is using CPI which notoriously understates real world prices). Gold prices and inflation are not as closely correlated as the gold sellers would have  you think.

But what about “these troubling times”? It’s different now, right? It might be. This is basically what they’re talking about: the federal government and the federal reserve have been acting in tandem to recapitalize the U.S. economy after the 2008 crisis. The government has been spending like crazy and running huge deficits (and buying lots of votes, funny how that  works out for them). These deficits are financed by the issuing of bonds of which the federal reserve bank has been the main buyer under the guise of  Quantitative Easing  and the Zero Interest Rate Policy. This what they mean by printing money –  the fed can buy whatever it wants and it has been buying these bonds that are loans to the government.

The Fed doesn’t need money, rather, it creates it. It is the central bank and it can just put the bonds on its balance sheet. A lot of people, this author  included, think the government and the Fed are nuts to think that this course would enable economic growth and it will probably only lead to  inflation which could become severe and maybe uncontrollable. Without turning this into a financial doomer article, let’s just say both sides make their case and we won’t know which one is right until this QE and ZIRP experiment is over.

This is what it comes down to: if the price of gold in dollars goes exponential in a hyperinflationary situation everything else  priced in dollars is going to do the same. You can’t expect that your gold coin will buy the same goods that it would buy now if this happens. The actual purchasing power of your gold will surely decline as day-to-day essentials  become prioritized. Put another way, if 1500 this week buys you one gold coin or 250 basic meals, in a hyperinflationary situation that gold coin might exchange for the equivalent of 100 meals or maybe not even twenty. Of course, 1500 in a bank account or your mattress would be worth much less – maybe not even one meal. The possible hyperinflation scenario is the most compelling reason to hold gold now. It’s not about getting rich. It’s about retaining some savings in the face of a massive financial collapse.

In reality, nothing keeps up with inflation like you will want. Agriculture futures are seasonal and your position has to be rolled over every so often costing you fees and changing your cost basis. Your  inflation hedge could get destroyed by a good harvest or weak global demand.  Stocks are typically seen as an inflation hedge but in a real collapse your brokerage company or even your local bank might not even exist anymore. You may eventually be made whole on the companies you own but this will take years.

Outside of a financial crisis the case for gold is weak. If you’re holding gold the best case scenario is unclear. Perhaps the price rises faster than inflation but that’s probably a longshot. Consider that if  interest rates start to rise, if the Fed sees the light on the harm ZIRP is doing, and if inflation is mild then those holding gold are going to be screwed as many decide to sell, preferring actual cash. Expect gold to lose at least 30% from today’s prices and it could happen in a day or two. Don’t  expect your dealer to give you a good price or even answer your call or email if everyone comes in selling.

The risk of gold losing value in the face of an improving economy is something you need to be aware of and in a crisis it won’t provide the kind  of financial safety that the gold bugs allege. If you still need a place to park your savings you might consider silver. It’s incrementally cheaper to get into and has more industrial value than gold though it is historically more volatile. Or what about booze? A case of good whiskey or rum is highly barterable, doesn’t spoil, tracks inflation as well as anything, and if times get better (or worse), you can always drink it.

[jechrealty]

The Case for a 30 Year Mortgage

Disclaimer: I am not a mortgage lender, accountant, or financial advisor. I’m a professional real estate consultant that is passionate about the subject and likes to think outside the box. I, in no way, recommend you make investment or lending decisions based off the content of this writing. It is intended only to open your mind to other possibilities, which I strongly advise discussing with your mortgage, tax and financial professional.

 So you’re shopping for a mortgage. You’ve saved, and researched, and the conventional wisdom says “if you can, get a 15 year mortgage!”

After all, you’ll save thousands in interest via the shorter life of the loan, and you’ll be mortgage free sooner! Plus, interest rates are typically lower for 15 year notes, saving you even more, right?

This advice isn’t necessarily wrong, and, as I often tell my clients, real estate isn’t always black and white. There are many ways to leverage it to your advantage, and this topic is no different. So today, I’m making the case for a 30 year mortgage over its 15 year counterpart. I’ll lay out the reasons I often advise that my clients explore this strategy with their mortgage lenders and financial advisors prior to securing a mortgage loan, along with some real-world examples. I’ll also examine the strategy from the perspective of a typical buyer, as well as a real estate investor.

Let’s dig in. First, let me lay out the typical case FOR the 15 year mortgage, before I examine the alternative:

 Interest Savings

This is the obvious one, and so I’ll start here.

Because interest is paid monthly, for the life of the loan. It stands to reason that when comparing two loans, with the same principal balance and interest rate (more on this in a moment), but with one having half as many payments during its life than the other, the one with the shorter life will net significant interest savings.

For example, let’s say we have two loans with a principal balance of 100K at 3% interest. One is spread over 360 payments (30 years) and the other 180 (15 year). I ran an amortization and below is the summary:

30 Year Note:

Interest paid over life of loan: $51,777

Monthly principal and interest payment: $421

15 Year Note:

Interest paid over life of loan: $24,304

Monthly principal and interest payment: $690

On first examination, you’ll see that with the 15 year note, you are saving $27,473 in interest over the 30 year option, while borrowing the same amount of money, which is excellent. Because you are condensing the principal into a shorter time period, your monthly P&I comes in about $269 higher. Granted, you’re paying off the same principal balance, so this isn’t an added cost per se, but it is a larger monthly obligation (more on that later).

 Lower Interest Rate

Historically, 15 year notes have carried a lower interest rate than their 30 year counterparts. The difference varies, but often this is in the ball park of .5-1%. If we adjusted the interest rate for the 15 year note on the example above to 2.5%, the scenario now looks like this:

15 Year Note:

Interest paid over life of loan: $20,022

Monthly principal and interest payment: $667

Now, you’re saving $31,755 for an increased monthly obligation of only $246 during its repayment period. Nice!

 Shorter Repayment Period

Now I’ll be captain obvious for a moment. 15 years is half as much time as 30 years. Who doesn’t like to be debt free? Aside from saving money, the obvious appeal to a 15 year mortgage is being mortgage free sooner.

OK…. I know what you may be thinking; a 15 year mortgage sounds great – I’m sold! But, wait. Here is where you can get creative. Let’s get to the meat of the topic:

 The Case for a 30 Year Mortgage

 Opportunity Cost

Remember this one from your college finance class? Investopedia defines opportunity cost as “the forgone benefit that would have been derived by an option not chosen.” In the example above, we came to the mathematical conclusion that the 15 year note would save you approximately $31,755 over the loan’s life, with an increased payment obligation of $246 for those 15 years. Imagine you went with the 30 year note and instead invested that $246 monthly at an average rate of return of 7%, which is achievable (remember, the stock market historically averages around 10%). At the end of 15 years, your side investment would be worth approximately $78,000. At this point in your 30 year mortgage, the loan payoff would be approximately $61,000, meaning you could take your investment profits and pay off your 30 year mortgage at year 15, having spent the exact same amount monthly for the past 15 years as the 15 year note, and be left with a profit of $17,000.

Now, of course, I’m generalizing here. There will be some taxes on your investment earnings, reducing that profit some. But, with the right investment, perhaps you achieved a rate of return higher than 7%.

You see where I’m going with this.

You leveraged a 30 year note to achieve a lower total mortgage payment, invested the difference, paid the note off at year 15, and made additional money on your investment, besting the 15 year mortgage by thousands of dollars to your advantage and still becoming mortgage free in the same amount of time. Cool, right?

Yes, this strategy takes discipline, assumes some risk, and is just one simplified example of how you could capitalize on this. Most importantly, it still leaves you with flexibility, should times get tough.

 Payment Flexibility

2020 is a perfect example of why payment flexibility during times of financial stress and uncertainty is worth its weight in gold (or mortgage interest savings). Imagine you bought a house in 2019. Times were good, your job was secure, and the 15 year mortgage seemed like a no brainer for the interest savings over time. Then, the unthinkable happened. Fast forward one year and the COVID-19 pandemic has cost you your job. You picked up new work where you could, but it’s at a fraction of your previous earnings. Suddenly, the last thing on your mind is the potential of savings over decades, or being mortgage free in another 14 years. Your focus is now undoubtedly on paying the mortgage next month, avoiding foreclosure, and keeping a roof over your family’s head. While no one hopes for this situation, it is the sad reality for thousands, if not millions of families affected by the pandemic. That extra $246 a month could be the difference between paying the mortgage at all, or the electric bill, or even groceries and basics, and you might be glad for the lower payment, if you had chosen it.

The 30 year note gives you flexibility to use that money other ways when you need it most. And while we’re on the subject of flexibility, here’s another interesting tidbit to note – if your income recovers and times are better, you can still shorten that 30 year mortgage and save thousands on interest, all without refinancing! How? I’m glad you asked. It’s EASY.

Ever heard of a pre-payment penalty? If you’re a Baby Boomer, or maybe even Generation X, you may have. If you’re a Millennial or Generation Y, you probably haven’t. That’s because they largely don’t exist anymore. A pre-payment penalty is a fee some lenders charge if you pay some or all of mortgage obligation early. It’s supposed to incentivize you to pay the principal back slowly so that the lender doesn’t lose out on collecting all of that glorious interest. The fact that they are largely extinct means you can dial up your principal payments when times are good in order to shorten your mortgage and save on interest.

Bankrate.com has a handy calculator that you can use to see the effect of extra principal payments on your mortgage. You can find it here. Using the example we’ve been referencing throughout this post, if you were to make an extra $100 monthly principal payment, from month one, you would shorten your mortgage loan by 8 years and 2 months and save about $15,000 across the life of the loan. How’s that for flexibility?

 What if you’re an Investor?

So, what if you’re an investor? Well, all the same benefits apply, and there are some additional considerations as well.

Because your tenant is generally covering the debt service, the $246 lower monthly payment for that first 15 years is passed on to you in the form of increased margin. You can do many things with it. Perhaps you could use it to pay down the principal on a higher interest mortgage loan in your portfolio (remember you can shorten your repayment period and save thousands on interest with extra principal payments), or you could invest it, either in financial instruments or additional real estate.

This last point should not be overlooked. If your goal is to continue scaling your real estate portfolio, consider that a 15 year note has a greater impact on your debt-to-income ratio and that lenders may take into account that the cash flow won’t be as strong when considering market rent. Taking this a step further, consider that, in most cases, a 20-25% down payment is required to purchase investment property, and that increased cash-flow may help you acquire more real estate faster, the cumulative effect of which should exceed any interest savings realized by the 15 year note, assuming you make wise selections.

Finally, remember that as an investor, your goal, at a very basic level, is wealth building by having someone else pay the mortgage in exchange for living in the property. If turbulent times were to cause rents to dip significantly, there is always a possibility that rents don’t cover the full debt service (not to mention taxes, insurance, vacancies, etc…) With a 15 year note, there is less margin (literally) for error, at least initially, which can make it higher risk.

 Conclusion

The concepts in this article are simplified and quite condensed, which is intentional. As I was writing, I resisted the urge to spinoff on numerous tangents. Of course there are numerous other factors to consider; tax implications, investment strategy, market conditions, risk tolerance, the list goes on. All in a boundless number of combinations, which is what makes real estate both thrilling and complex.

For many, a 15 year mortgage might be an excellent selection, and I don’t want to downplay its direct benefits, but I hope reading this opened your eyes to the exciting possibilities of real estate and how all is not always as straightforward as it seems.

[secretlovewinner-blog]

2 Effective Ways to Unlock Snapchat Account in 2020

Snapchat is the latest platform taking the social media world by storm. Since its launch, in September 2011, Snapchat has shown incredible growth. Recover Snapchat Account .The Venice, California-based company now boasts over 161 million daily active users and 10 billion video views, daily. And with consumer attention comes ad dollars, with many major brands turning to Snapchat as a way to connect with their audience. Gatorade is one of the brands getting involved; they ran a sponsored Lense during the Super Bowl and generated over 100 million views. In a social media age where saving and preserving moments has become the norm, Snapchat found a way to go against the grain.

Recover Snapchat Account

Your account got hacked and you can’t access it any longer? Then it all depends on the number of changes the hacker made to your account settings and your account data. The more changes that were applied, the harder it will be to regain access. From easy to hard – these are your possibilities to get your account back: Change your password’s possible that the hacker already owns your login data. With this data, he obviously has direct access to your profile. Maybe he didn’t change your login data but nonetheless fiddled with your account. In such a case, log in to your account and make sure to change your Snapchat password. And yes, only use it for this one account – a password manager will help you keep track. Use the function “Forgot my password” Attackers don’t necessarily have to be the brightest people on earth and might have forgotten to change the email address that belongs to your account. They might have locked you out but you still have the possibility to test if you could regain your (new) log in credentials via the function “Forgot my password”. You can find it on the login page of Snapchat. Once used, you will receive an email or a message to your mobile phone from Snapchat, including a temporary password. Use this password Recover Snapchat Account to log into your Snapchat account and change it immediately. Contact SnapchatThe worst-case scenario: The hacker didn’t just change your password but also the email address, phone number, and all your contact data. In a case like that, you should visit the Snapchat help page and fill in the form for account recovery. You will have to add that your Snapchat account got hacked. How to Recover Your Snapchat Account? If you’re having an issue on Snapchat, we might be able to help. Contact support to let us know what’s up. If you want to delete your account, you can follow the next steps. We’re sorry to see you go How to Recover Your Snapchat account? Go to the accounts portal and type in the username and password for the account you want to delete. (Keep this info handy in case you change your mind and want to reactivate your account.)After taking the steps to delete your account, it will first be deactivated for 30 days. While your account is deactivated, your friends will not be able to contact or interact with you on Snapchat. After 30 days, your account will be permanently deleted. This means that your account, account settings, friends, Snaps, Chats, Story, device data, and location data in our main user database will be deleted. We may retain some personal data for certain legal, security, and business needs. For example, we’ll retain information about any purchases you may have made through Snapchat, and when you accepted our Terms of Service and Privacy Policy. For more information, please refer to our Privacy Policy. How to regain your Snapchat account? Want to reactivate your account? It’s easy! Just log back into the Snapchat app with your username within 30 days of deactivating your account. While your account is deactivated, you can only log in with your username and password. You can’t log in with your email address and you can’t change your password. How To Recover Your Snapchat Account Of You Forgot Your Password?If you have forgotten your Snapchat passwords and want to log in, follow the steps below to recover your account by resetting the Passwords. Launch the Snapchat app on your smartphone and tap on Login. Enter your username Recover Snapchat Account or email and tap the “forgot your password” option right under the PASSWORD box. A box will pop up asking you to ” Please choose how you want to reset your password.” Here we choose email. On the next page, enter your email address and tap the “Submit” button (scroll to step 4 if you wish to use a phone number). You will receive an email from Snapchat. The email contains a link to reset the password. Tap on the link and enter your new secure password (check how to make easy and secure passwords here lazily). If you wish to recover the account via phone, choose the phone option in step two above and enter your mobile number. Tap the “Continue” button and in the pop-up, choose how you want your phone number to be verified; either via message (Send Via SMS) or call option. Choose the SMS option to receive OTP as it is easier to work with. Enter the OTP that you received in the place provided and proceed to reset your password. (If you enable Do Not Disturb on your SIM the message may not come through so you may have to use the call option).

About

In Todays 21’s Era, Snapchat like social media age where saving and preserving moments has become the norm, Snapchat found a way to go against the grain. With Snapchat, every moment is temporary. What’s shared is rarely saved. It’s about in the moment connections. In its rawest form, Snapchat enables us to share temporary, self-destructing photos, videos, and messages (also known as ‘Snaps’).Recover Snapchat Account Images and videos will last anywhere from one to ten seconds, and users can embellish each Snap with captions, drawings, and filters. Once a Snap has been viewed, it’s gone forever. Snapchat is a popular messaging app that lets users exchange pictures and videos (called snaps) that are meant to disappear after they’re viewed. It’s advertised as a “new type of camera” because the essential function is to take a picture or video, add filters, lenses, or other effects and share them with friends.

Conclusion

When you see the gear icon on your Profile screen, tap it to access your Snapchat account settings, where you can link your Bitmoji account, manage on-demand geofilters, create or scan a Snapcode, Recover Snapchat Account add two factors, adjust your Memories, Spectacles, and Shazam preferences, change your password and phone number, and so much more. Hint : Remember to use reliable and secure passwords and refrain from sharing your passwords. Security is best when done personally.

[cecilspeaks]

147 - The Protester

Hot singles in your area are staring into the forest and grinning absently. 

Welcome to Night Vale.

Astronomers are frantically trying to determine why a chunk of the moon is missing. Ragged and greedy like a slice removed from a pie by hungry hands rather than a civilized serving utensil, the gap in the moon has been baffling professional sky gazers for weeks. Fun fact: did you know a group of astronomers is called a commotion?

Astronomers believe the moon could be eroding, because people have stopped believing in it, like ancient Roman polytheism. Others have theorized that the moon was damaged by enemy ships in the ongoing Blood Space War. But people on the internet have countered that this is part of the mandala effect, and that that piece of the moon has always been missing and we’re collectively misremembering. Like how those beloved picture book bears that we all remember as the Berenstein Bears, have by all physical evidence always actually been spelled “The Dog Pound Boyzzzz”. Boyz with a Z. Because of the 2016 city ordinance that proclaimed that anything can be true if you say it loud enough, astronomers are forced to consider all sides.

I don’t know any astronomers, but I do know a scientist! My husband Carlos has been the leading scientific mind in Night Vale since we started dating, almost six years ago. Carlos says that he has been studying and interesting meteorite he found out in the sand wastes and scrublands beyond Night Vale. He believes this particular rock is a piece of the moon. Standing before a giant wall of blinking lights, flickering screens and intermittent beeps, Carlos determined that this piece of the moon broke off only one month ago. But this is impossible, because no one can remember seeing the moon breaking apart in the sky. Well, maybe we were all asleep when it happened, I told Carlos as I dabbed away a small crumb from a cheese Danish that had gotten stuck in his beard. Oh, fun fact: Carlos grew a beard! And I have never liked beards on men, but now – I do. It’s got two thin silver racing stripes down the chin, and the hair is so soft. We’ve been married over two years and every day, I fall more in love.

Oh right, the moon, OK good God, always with the moon. [mutters] Yeah, yeah… Carlos has been studying an unusual number of empty homes and businesses about town. He noticed that the houses on either side of us are completely empty, but he didn’t remember them being empty before. He remembers us having neighbors, but he couldn’t name a single thing about them. He believes this might be related to the damaged moon. Whatever happened a month ago to the moon immediately caused us all to forget it, because something in our timeline changed. Carlos said: “Perhaps we are not forgetting people and events, perhaps they never existed at all.” His eyes were cloudy with pensive thought, and I touched his furry cheek and said: “You’ll save us, hon. I know you will.” He smiled and asked if I’d be willing to reach out to archeology professor Harrison Kip again. Carlos, uh, had been communicating with Kip about this very issue, but now emails to Harrison keep bouncing back, and his phone number is no longer in the phone company’s database of working numbers. I laughed and said: “Carlos, I don’t know who Harrison Kip is!” Carlos looked worried, and said he wasn’t sure he did either. But he felt like he should.

Protestors have organized a sit in in front of city hall, demanding an end to the Blood Space War. The city council, seeing the crowd of about 150 people gathered around the front entrance of their building, took immediate action. They announced they would be taking a long planned family vacation to the Badlands National Park in South Dakota, until this whole protest thing runs its course. “We don’t believe South Dakota actually exists,” the single-bodied, multi-voiced council said. “When you look at a map, it seems like it exists, like it’s just right there when you look at it and it’s between two other identical states, so it would make more sense for it to be there than not. Anyway, this feels like a great time to take the kids to see Mount Rushmore.” As the city council said this, several small childlike heads emerged from the city council’s singular body and screamed in happy unison. Or terrified unison. Mm, it’s hard to get an emotional reading on screams.

The organizer of the protest is 20-year-old Night Vale community college student, Basimah Bishara, whose father Lieutenant Fakir Bishara returned home from the Blood Space War three years ago. Basimah greeted her father’s return with joy, but that joy has since been replaced by confusion and pain. Let’s hear Basimah’s story in her own words.

Basimah: Time no longer works correctly for my father. I understand time does not work correctly for many people in Night Vale, but it had always worked correctly for him before the war. In December 2015, he returned home after 11 years of serving our city, our country, our planet in a war that still makes no sense to me. I was six when he volunteered for service, he was 30. 11 years later when he returned home, I was 17. My father was 19. He did not remember joining in the war nor having a daughter nor meeting his wife. He is a teenager, like I was. I no longer am a teenager, but my father still is. He has stayed 19 years old. Time no longer works correctly for him.

My mother Tahira raised me. She expressed reticence about the band I started, the music we played. She grounded me when my grades slipped and shouted at me when I told her I had a girlfriend. But she came to love Marina and more, my mother came to understand as both as people, as women. Not as rivers to be damned or levied.

My father’s return has been especially hard on her, because she is 45 and her husband is a 19-year-old stranger. You probably know what it’s like to have a father, to have a man much older than you who changed your diapers or watched your diapers being changed. Who taught you to speak or ride a bike, who helped you develop as a human from an animal from a larva from the simplest, squirming wad of meat into an adult. That father will always be a father, not a friend, not an equal, a father. You probably do not know what it’s like to see a father at your age, to talk with your father when he is also barely an adult. To have your father lonely and inquisitive think of you as his only friend in the world, while you look to him for guidance and love. But he is incapable of both, at least not in the way you need to be guided and loved.

It took two years for Fakir to open up about the war and it still makes no sense to him nor me. The Blood Space War requires constant shifts through time, through worm holes to change lost battles into won battles, to undo what has already been undone thousands, millions of times over. The future does not look like a blank page, it looks like a tattered sheet of paper, grayed and frayed from countless transcriptions and erasures of history. Battles are won and then undone through time travel. We lose our lives and then regain them by traveling backwards and fighting again. We are winning the war by perpetuating the war. Last month, the Polonians attacked our earth, I am sure of it. The only evidence is our broken moon. I believe the general undid this attack with time travel and this has changed our reality, changed who was born, who ever lived in the first place. People are disappearing because they will have never existed.

People think we’re crazy for protesting. I’m 20 and my father is still 19. I’m not crazy. My mother Tahira is not crazy. We are angry.

Our next protest is scheduled this afternoon at the corner of Earl and Somerset by the Dog Park near the Ralphs.

Cecil: Not sure what Basimah was referring to. That’s an empty lot by the Ralphs. There was word for a dog park to be built there many years ago, but it never materialized.

[clears throat] Let’s have a look now at local news. Earth sciences professor Simone Rigideau announced today that she is scrapping all text books and lesson plans at the community college in favor of organized prayer to a god named Huntokar. Several students and parents argued against such an extreme divergence from core curriculum in favor of French religious practices, but college president Sarah Sultan supported her staff member by saying: “Cut Simone some slack. She doesn’t even teach classes. She’s a transient who lived in a storage closet inside the earth sciences building for 20 years. The only reason she has the title of professor is because of antiquated squatter’s rights laws.” Rigideau donned rabbit furs and an old bicycle frame wraught into the shape of antlers, and began spray paintin the Fibonacci sequence on the cars in the college parking lot, all the while singing a ballad about clocks.

The intergalactic military headquarters released their first quarter earnings statmenet this week. Investors were displeased to see that each of the board members of the privately own space defense contractor had purchased a 125-foot yachts and NFL franchises. But those fears were quickly allayed by the announcement of layoffs of more than 5,000 employees. Stock prices for the intergalactic military soared to an all time high this afternoon, at 490 dollars a share. Senior strategic advisor Jameson Archibald said the intergalactic military has no actual earned income. 100 per cent of their gross is from venture capital. Archibald said: “Some investors keep asking how we plan to monetize our military, which is a stupid question, man! I mean, look at this Patek Philippe watch I bought. It’s encrusted with 10 pounds of diamonds, and the watch face was made using an actual piece of the Sistine Chapel. We are doing fine.” Archibald added that the intergalactic military is developing an app and a subscription service that allows people to engage in celestial war fare any time they want for only 12,99 a month.

Alright, listeners, I heard back from Basimah, and she said I was right. There is no dog park. Of course I was right. If I knew there was a dog park being built in this town, I would have reported it immediately. Carlos and I have a dog. His name is Aubergine because he’s purple and European, and Auby is adorable and we love him dearly. I mean, I wasn’t into the idea of having to care for a dog, but Carlos strongly urged this case one morning over breakfast when he said, “I think we should get a dog”, and 20 minutes later, we were leaving the SPCA with our adopted pet. [clears throat]

Basimah said she was positive there was a dog park next to the Ralphs, but when she arrived at the corner of Earl and Somerset, it was all empty lots. To be honest, I don’t remember her mentioning a Ralphs before, because I would have corrected her. There’s never been a Ralphs affiliate in Night Vale. This is what Basimah had to say. Um, hang on, let me just insert the tape I used to record her. And there we go.

Basimah: If a person never exists, did they disappear? If you never knew them, can you miss them? My father spends most of his days playing basketball with friends he made at the rec center. He is 19 years old and trying to escape a decade of inescapable drama from warfare. Asked him who my mother was. I grew up with only my uncle Omar and did not know my parents until my father returned from war. Fakir did not remember my mother. He did not remember his marriage or my birth, because it has not happened yet in his timeline. Asked what if mother didn’t exist at all. What if the general’s time traveling has altered our lives so much that my mother was never born and you can never meet her. My father, the teenager said: “If I never met a woman, I do not know I will not miss her. But I’ll meet another woman.” I asked: “What if I was never born?” My dad said: “Basi?” He hid his tears and then he hugged me, but it was not the hug of a father and daughter. It was the hug of a son and mother. He buried his head into my shoulder and sobbed, repeating: “Basi! Basi!” And I comforted his heaving head with my palm. I said: “Father, Fakir. I think I shall no longer exist soon. [voice fades] I think I-

Oh OK, sorry for the dead air, listeners, I was playing a recording of an interview I did. Wait, nope. I just checked, there’s no tape in the player at all. I thought I had been talking with… Ugh. Aah! Who have I been talking to? Maybe it was my husband Carlos reporting on his findings about the damage done to our moon or, mh, or maybe it was nothing at all. [clears throat] Well, let us forget that we forgot, and go now To the weather.

[Shake” by Wednesday’s Wolves https://www.wednesdayswolves.com]

We have an update on the Blood Space War, Night Vale. John Peters says his brother has returned home again. When he left a month ago, James Peters was 22 years old. But he is now in his seventies, which is the age he should be. John held his brother tightly, crying in gratitude and relief that his own family could return to some kind of normalcy. James at first was heartened to see John again, to see his home again, and to learn that he and the general had thwarted the Polonian attack on our planet. But his tearful smile drifted slowly downward, an evening shadow overtaken by night. Upon James’ face now was the sudden knowledge that he had made a grave error. James looked around Night Vale seeing empty lots and homes, abandoned buildings and sparse streets. According to James, thousands of people have gone missing from Night Vale, because they never existed or never moved here in the first place. The general had leapt in time to successfully stop the Polonians from ever reaching Earth, but the change in the timeline caused Night Vale to change too.

Listeners, this may seem strange, but perhaps there are people you once knew, family you once lived with, places you were in, all of which are gone, and without your knowing. I have tried hard to think of any memory of any experience or person I have lost in the last month, but I can think of none. I told James Peters that perhaps the change in timeline did not matter if no one knew what they had lost, if no one noticed any change. James said: “Cecil, I just don’t know. I don’t know. Maybe if we had a scientific perspective on this, we could better understand how this is affecting us as a community.” And I said I didn’t know any scientists, not personally anyway. There’s the strange woman who lives in the storage closet at the community college, I suppose we could ask her.

The important thing is that we are safe, and that another veteran has returned home, and it is another beautiful day in Night Vale.

Stay tuned next for “Conspiring to Love”, our new relationship advice show, which as a lifelong bachelor sounds like something I should check out.

Good night, Night Vale, Good night.

Today’s proverb: “Nothing lasts forever” is a phrase with two meanings, and they’re both true.

[purplesurveys]

497

Have you ever cut your own hair? Nope, my mom would never allow me; and tbh I never would allow myself to do it either. What do you eat most frequently? Rice. I have it for every meal, 7 days a week. Except for when I have pasta. Are you a fan of video games? I’m a fan of watching people play them, and there are a lot of video games I have sentimental attachment to because I was raised in a home where all the boys knew how to work a console; but I myself don’t play. What's your favorite color combination? Black/white with anything earthy. I’m all for simple tones. Did you share a locker at school? No, we all had our own.

What's one sport you could never play? Basketball. I never could understand what the rules were. When we had basketball for PE in high school, I would literally just stand on the court when it came time to play because I never had a grasp on the game. I was a sucky teammate fosho. Blue or black ink? Black. I hate using pens with blue ink. Have you ever sang karaoke? I think the last time was when I was 12 or 13. I hate hate hate being the center of attention and the last thing I want is to sing (which I don’t do) on a microphone that’s gonna amplify my voice and will force people to look at me. What was the last concert you attended? Man it was nearly a year ago, but it was Paramore. Have you held anyone's hand in the past week? Yup, you just barely caught the timeframe! I last held hands last Thursday, exactly a week from today. What's your favorite perfume/body spray/cologne? I bought Beyoncé’s Heat Rush a few years back because I was a huge fan (still am), but I didn’t know I was gonna end up loving the scent so much. It’s still my perfume today and it’s my go-to when I’m going on a date or going somewhere fancy and/or formal. How long does it take you to get ready in the morning? 45 minutes should be generous enough. I have to beat the traffic everyday so I don’t devote a lot of time simply to get ready. What is the oldest age you think should wear makeup? No age is too old for makeup. How old were you when you went on your first date? I’ve never had a first date per se...I did have one special museum + early dinner ‘date’ with Gab that ended up becoming memorable. I was 16 then. What's your nationality(ies)? Filipino. Pretty sure there’s some distant, distant Spanish blood somewhere down the line. Are you an open book? Very open.  Do you think you're a good secret keeper? For the most part, yeah; but there’ll be times that I wouldn’t be able to help it and spill to Gabie. Which is fine, because she forgets things easily and is 101% not up to date with and doesn’t care for anyone’s lives. She’s super unbothered which is why I kinda choose to tell her stories; but if she had a big mouth, then I probably won’t spill secrets to her. Name one fashion trend you could never follow. Oversized shirts. Do you prefer long hair or short hair? Right now, I’m preferring short. When do you plan to go to sleep tonight? Just my bed. Has anyone besides your family seen you naked? Yes. If so, who? My girlfriend. What exotic animal would you love to have as a pet? NOPE. Do you want kids when you're older? Yeah, I do. Did your parents sign you up for anything you hated as a child? They made me sing to 100+ guests on my 7th birthday party if that counts. I had ballet when I was 5, but it wasn’t that I hated it...it’s just that I was too young to understand what was happening and what I was signed up to, which was partly why I did so badly in the class. Where's your cell phone? I lost my first cellphone on a 1st grade field trip, so it’s definitely somewhere in the waterfalls we went to 14 years ago. Which came first, the chicken or the egg? Egg. What are your feelings about Octomom? I don’t really know the circumstances surrounding her, so. Do you know of Smosh? Of course, I grew up watching them. I was there when their popularity exploded, and a little longer after that. I don’t anymore, but sometimes I’ll go back and watch their 2011-2013 skits, and my personal favorite series of theirs, Lunchtime with Smosh.  Do you drink enough water daily? Yep. I looooooove water; I probably drink too much of it haha. Is your diet healthy? I think it *could* fall under healthy? I eat too much junk for my life but I always balance it out with veggies and I just basically make sure that everything else I eat can be beneficial for me, so it balances all the junk out. What's your favorite fruit? Yeah no I hate fruit. What was your favorite Halloween costume? The year when I dressed up as AJ, because I got noticed by her for it. Also the time I dressed up as Sofie, because that was lowkey hilarious. Have you purchased any cool objects from a foreign country? No because everything in other countries (at least the ones I’ve been to) is SO EXPENSIVE. I prefer taking photos, they serve as the best souvenirs for me. Are you on a laptop or a desktop computer right now? Laptop. Where do you plan to post this survey? On my Tumblr, which you’re on right now if you’ve reached this point of the survey. Do you remember anyone's number by heart? Just my mom’s, sister’s, and Gabie’s. Are you a morning person or a late night owl? Night owl, definitely. Name something you will never try in your lifetime. Fruits that I haven’t already tried. What do you think is your biggest flaw? I chicken out of certain things because I’m afraid of failing. First physical trait you notice in the sex you're attracted to? Body language. That technically counts right? Hahaha. How about personality wise? How they speak to me. Are you sick often? I’m sick never. Would you rather have strep throat or an ear infection? I’ve had neither and would like it to stay that way thank you??? When did you last shower? A couple of hours ago, because it was weirdly and annoyingly hot today. Do you have neat handwriting? Yes, I get a lot of compliments for my penmanship. Are you a messy or organized person? Depends on what the space is. My bag for school can get very messy, but my files are always organized; and my room is what I’d call messy-organized in that it’s a mess but I remember where every single thing is. At what age do you hope to get married? 27-28. Is being thin really all that great? I don’t hate being it, that’s for sure. Which of the seven deadly sins do you think you're most guilty of? Envy. How much time have you spent on the computer today? Pretty much the whole day. My body wanted to watch a whole season of Queer Eye today haha.

What size shoe are you? 6-7. How was the weather today? Ugh, MAKE IT RAIN ALREADY. Do you live above, below, or on the Equator? Above the equator, but it’s very very close to it. Do you know how to use Photoshop? Nope. Admit it, you're thinking about someone right now. I’m thinking about the next meal I’m gonna be having lmfao. Where is he/she? It’s in the dining area. Where was your first job? I haven’t had one yet. Favorite year in high school? 3rd or 4th. East or West? East? Where did your first kiss take place? On my bed. What color do you wear most often? I can’t tell which but it’s definitely black or white.

Who was the last person you talked on the phone to? Gab. Have you ever been to a night club? Nah, I don’t know if clubs are my thing. I’m much more comfortable in bars. Are you allergic to anything? I’m not. What's the best place you have ever eaten? The buffet at Circles, Sambokojin, or the food I had at my cruise ship vacation. I really can’t pick. Do you own a hair straightener? I don’t have one of my own, but my mom will let me borrow hers if I need it. Are you barefoot right now? Correcto. Are you subscribed to any magazine? Nope. Puppies or kittens? Puppies. If you had a billion dollars, where would your first investment be made? A modern, spacious house. Who is the best artist you've seen live? PARAMORE YOOOOOOOOOOOO. They connect with their fans so well and you can easily tell you love what they do. Coldplay is a very close second as their production value is fucking insane. Any major plans coming up this week? No not really. I have a date with Gab tomorrow and we’re gonna go out and watch Midsommar, but that’s it for this week. She, Angela, and I are taking a road trip to Nasugbu next Monday though so that’s pretty major. Did you know they never told you Arnold's last name in Hey, Arnold? I never really thought about it. Would you rather watch a romantic comedy or watch a thrilling horror movie? OMG, my two favorite genres :( I’m watching a horror flick tomorrow so I can go for a romcom right now.   Why is Paris Hilton famous? Because of her great-grandfather and her Iconic show with Nicole Richie hahaha. How is your hair styled right now? It’s just down and dried out right now.

Favorite person that you've talked to today? Angela. Do you need AC right now? AC is always a good idea in the Philippines. Do more people call you by a nickname or your first name? My first name is already my nickname/given name. Name something you're proud of. Still being here. How do you feel about couples who say 'I love you' too soon? No judgment. If that’s how they communicate and if it works, so be it. What's the most recent favor you've done for somebody? I drove Laurice to UPTC last Tuesday so she can catch her bus going back all the way to Alabang. Are you at home right now? Yesssssssss I’m so happy to just be at home this whole week. What did you last spend money on? My parking fee at UPTC. Does any accent annoy you? No. How about turn you on? I like certain English accents but not to the point where they turn me on haha. Are you wearing any jewelry? Not right now. Do you get along better with your mom or your dad? Dad. Are you craving anything right now? BURGERS What's worse: Crocs or Uggs? Crocs. Do you knock before you open doors? Yeah, as much as I can. Do you know what a sock on the doorknob means? I think Penny from Big Bang Theory was the one who explained that this means that there are people having sex in the room, but then again it was a tie on the doorkob in that episode so I dunno if they still mean two different things. Chocolate or vanilla? Chocolate. What's your zodiac sign? Taurus. Does Fred from Youtube annoy you? No, not really.

[z2aseaqj-blog]

Renters insurance?

Renters insurance?

what exactly is renters insurance all about? is it pretty important or a waste of money?

BEST ANSWER: Try this site where you can compare free quotes :4insurequotes.xyz

SOURCES:

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[lunarr-rrose]

Alternative Investment Vehicles

https://u109893.h.reiblackbook.com/generic11/the-storage-stud/alternative-investment-vehicles/

What are some alternative investment vehicles that someone can participate in?

Most people have been trained to get a job, put money into a retirement account, invest in stocks and bonds. Some reasons for this strategy are, it helps drive the economy and the other reason is that the custodians of these retirement accounts get payment when you purchase stocks and bonds.

Somehow when you invest in real estate, usually, these custodians do not get charge fees. This is also the reason why many people when they go to their fidelity account they are not allowed to invest in self-storage.

What you need to do is set up a self-directed retirement account (self-directed IRA/401K). This will allow you to invest in anything you want. Of course, there are certain parameters but for the most part, you are allowed to invest.

Fernando likes real estate because it’s a physical asset. For him, it’s a hedge against inflation. As the dollar continues to drop in values, at the same time the value of the real estate will also increase to keep up with the inflation.

According to him, he also likes real estate because it produces passive income. It allows you to lower your tax bracket.

One more reason for Fernando liking the real estate business, the self-storage specifically over stocks and bonds besides being a tangible asset is that he has more control over the outcomes.

His advice for those who do not have the time to buy real estate or self-storage is to participate in syndication. Meaning you can become an owner or silent partner of one of these real estate investments and get all the benefits of this business without having to do the work.

Fernando O. Angelucci is Founder and President of Titan Wealth Group. He also leads the firm’s finance and acquisitions departments. Fernando Angelucci and Steven Wear founded Titan Wealth Group in 2015, and under his leadership, the firm’s revenue has grown over 100% year over year. Today,

Find out more at

https://www.TheStorageStud.com

https://titanwealthgroup.com/

Listen to our Podcast:

https://thestoragestud.podbean.com/e/alternative-investment-vehicles/

-------------------------------------------------

So, I've been asked in the past, you know, what are some alternative investment vehicles that someone can participate in? You know, I'm very partial to self storage for a multitude of reasons. And we'll get into that here, but you know, that most people have been trained to, you know, get a job, put money into our retirement account and have that retirement account invest in stocks and bonds. It's basically yet, there's been a few reasons for that. Number one, it helps drive, you know, the economy. Number two, the people that usually, are usually the custodians of these retirement accounts. They get fees for you purchasing stocks and bond. With real estate, on the other hand, usually these custodians do not get to charge fees if you were to invest in these, you know, physical assets or real estate.

And that's the reason why many people, when they go to their fidelity account or their Schwab account, they're actually not allowed to invest in self storage. And that's just because they, that, the custodian won't be able to make any money off of that. So, what you usually have to do is set up a self-directed retirement account of some kind, so self-directed IRA or self-directed 401k. And, that will allow you to invest in anything you want within certain rules. There are certain parameters, but for the most part, real estate counts, the reason I like real estate is because it's a physical asset and it's a hedge against inflation. So, as the dollar continues to drop in value, because of that, the value of your real estate will also increase to keep up with inflation. And that's all that's, you know, that appreciation is just built in that's in addition to say, forced depreciation by renovating or rehabbing the property, or found appreciation by buying the asset below, you know, what its market value is.

And that's because real estate is a, you know, it's a non-perfect investment vehicle unlike stocks and bonds where there's always buyers and sellers on both sides. The, you know, it's very difficult to get a deal on stocks because there's always buyers and sellers. It's a nearly perfect investment vehicle, as far as where the value being based off of, you know, who's willing to buy and who's willing to sell. I also like real estate because it produces passive income. So, it allows you to lower your tax bracket, kind of shifting things away from the capital gains side of the world. Another reason I like real estate or self-storage specifically over stocks and bonds is yes, it's physical. I can touch it. I can go see it. I know it's there, but I also have a better grasp and more control over the outcomes. You know, when you invest in a Fortune 50 company.

There's very little, you can do it as an individual investor to sway that company into acting in a certain way, unless, you know, you're like Warren Buffet or somebody that can come in and buy a huge chunk of the available stocks to have voting rights that actually make a difference in that company. So, we've seen it time and time and time again, where companies will make terrible long-term decisions because they're driven by short term returns. You know, the problem with stocks is that they run on a quarterly basis every quarter, they need to show profit and they, many times do that at the detriment of long-term growth. And that's, you know, when it comes to becoming wealthy, the delayed gratification is a very important thing. The other thing I like about self storage is, if you're able to get into a deal, you can start using that for multiple tax advantage strategy.

So depreciation is a huge thing, where you can reduce your taxable income. Some of the issues that my investors have, is not that they don't make enough money is that they make too much money on paper, which puts them into the highest tax bracket. And they want ways to drop that down. So, investing in real estate is an easy way to drop your income fund. By applying that depreciation, there's also some called cost segregation. It's a cost that usually, it allows you to accelerate the depreciation schedule. So say, you know, a property has a usable life or a useful life of 29 years or 27 years. You, what you can do is you can take the value of that property divided by that useful life. And that's how much you can write off on your taxes and I'm generalizing here. But for the most part, that's how much you can write off on the depreciation schedule.

What cost segregation does is it says, well, you know, an engineer will come through, we'll look at everything in the building and say, well, these doors aren't going to last 29 years. These doors are going to last seven years. And you know, this flooring is only gonna last five years. And you know, these lights are only gonna last X amount of years. And what it does is then it contracts the depreciation schedule allowing you to take much more depreciation upfront. So for example, I bought an $800,000 self storage facility in Illinois. We paid $6,000 to have a cost segregation study done. And in the first year, we were able to write off $184,000 in depreciation because of that cost segregation study. So, these are things that you can't do with stocks and bonds. Again, the passive income is huge for us.

We, think that the easiest way to become wealthy is by having multiple streams of income and multiple streams of income that come in when you're basically sleeping. So, passive income. Now say you're, you know, you're an executive, or you're a busy professional, and you don't have the time to buy real estate or buy self storage. An option that is available to you is to participate in syndications. So, you can become an owner or a silent partner of one of these real estate investments and get all of the benefits of that real estate investment without having to do any of the work. So, you get passed through depreciation, you get passed through passive income, whatever your goals are, that's what you should look for in that syndication. I prefer syndications over the stock market. Usually the returns are much better, than what you'd find the stock market, even though right now, the stock market's doing really well.

I don't think that will last very long. So typically, you know, let's say, someone in the stock market is receiving about 8% average. I think that's a pretty solid number, on these syndications I've seen, because not only do I run syndications, but I also look at investing in other syndications to diversify my own personal portfolio. You know, I'm seeing stuff out there anywhere in the 12 all the way up to the 20% range, as far as returns, on some of this indications available. And that's, you know, that's really great, you know, I had at a 12% return, you're doubling your money, every seven years, which is pretty, you know, that's pretty fast accumulation of wealth. So, those are some options that are available to you. If you want to get involved in self storage, you know, you can either go out and buy your own and, you know, learn trial by fire.

And I really recommend everybody do that. But I understand some people it's just not for them or they just are too busy. They don't want to deal with it. Then they have the ability to invest in someone else's syndication when it comes to that, you got to be very careful about not only due diligence, the deal itself, but then also the due diligence on the spectator response because without them, the deal wouldn't happen. So, number one, you gotta make sure that they're being incentivized to complete a deal, especially if it's a longer term deal in the five to 10 year range, you got to make sure that they have the experience and you know, that the proper team around them to execute on their business plans. So, those are things that I really recommend to those that are seeking alternative investment vehicles.

You know, number one, if it's through an retirement accounts, set up a self-directed, if it's just your, let's say investment money, that's not in a retirement account, and then you don't need to do that. And then, go out there and start finding reputable sponsors with, you know, with good track records. They know what they're doing and know their asset class really well. So, let me know if you have any questions, feel free to put comments below if you have additional topics you'd like us to cover, you can drop those in there as well, and then feel free to reach out to us on our website or various social media platforms there. So again, this is a Storage Stud and see you guys next time.

[jonrusspowell-blog]

You Can Buy a Dental Discount Plan or You Can Waste Your Money

Alright, the title is a little intense. Granted. So let’s back up for a moment.

There’s a dilemma common to everyone in America today. Healthcare and health plan costs have skyrocketed. Additionally, with complicated coverages and terms and conditions, it is more difficult than ever to determine which plan is best for you and your wallet.

This is true of dental plans, too. According to a Gallup poll, most Americans aren't satisfied with their dental plans. Aside from all the other frustrations that come with health and dental insurance, that dissatisfaction is due to one significant difference between dental and health plans.

This key difference fundamentally affects how the plans work yet its full impact is rarely understood. If you grasp this one key you will see the big picture of the costs and benefits of a dental plan. And then you will be able to determine which plan will be best for you.

So while you might think the title of this article is over the top, you’ll see that it isn’t once you grasp this simple concept:

Dental Insurance will never cover the cost of major work at 100%.

Now that may seem small and insignificant, but in reality, it is the one thing that makes Dental Insurance not worth the cost.

Think about it. High insurance premiums are (at least somewhat) tolerable because you know that if you ever have major medical issues, treatment will be covered from 80-100% after your deductible. The plan protects you from major medical debt.

Dental Insurance, however, does not work like that. In fact, it’s actually the direct opposite. If you have a lot of major work needed, the company only pays up to a certain amount (usually around $1,000-$1,500) and then you cover the rest at 100%.

In other words, the insurance company has a “deductible,” not you!

Maximize Your Savings

So since you’re not fully protected again the high expense of major work, there’s a new question to answer: What dental plan will provide the best overall savings? And how do I determine that?

The best overall savings is defined as the lowest combined cost between your dental plan and your dental work.

This is where discount-based plans, such as HMOs or straight Dental Discount Plans, will prove to be the best value to you. The cost of these plans are low, usually hundreds of dollars a year cheaper than traditional PPO insurance. And the discounted rates will significantly lower your costs at the dentist.

With both of these plans, you will save more money at the dentist than your membership costs. This is not the case with a PPO.

Given these facts, why do I say to use a dental discount plan instead of an HMO? Because there is more flexibility in using the discount plan.

Some HMOs will assign you to a dentist. Others will let you initially choose where you want to go in the network. But either way, if you ever want to switch, it can be very difficult. And HMOs often have the smallest networks so there may not be anyone to switch to.

A Discount Plan lets you use any network dentist and switch at any time for any reason. Rude office staff? Change dentists. Don’t like the color of the carpet? Change dentists. You’re completely free in the network. And there are many discount plans with over 100,000 dentists, nationwide.

Also, with a dental discount plan, you are the ultimate decision-maker for what treatment you receive. You don’t have to get any approvals for treatment, nor do you need a referral to see a specialist. In an HMO, your primary dentist is the gatekeeper of what procedures you can have done. He or she also will also decide whether you can see a specialist and which ones you can see.

So, either type of plan will still save you more money than traditional insurance, but there’s a little more freedom in using a discount plan.

I imagine some of you are still skeptical. So allow me to get just a little nerdy and I will illustrate how this is true both in a normal year and a year in which you need major (translation: expensive) work

“Normal” Year

A normal year would be one in which you only need your standard checkups, x-rays, and cleanings. Most years, this is all you need. So step one is comparing your potential costs in these years. Since these are the most common years, they should carry more weight when you’re evaluating costs.

Here are the national averages from a major national dental insurance company one, two, and five member plans.

Again, we’re only comparing the annual costs for your preventative procedures. So these premiums will cover your preventative work at 100%. In comparison, here is what the Careington Care 500, a popular discount plan nationwide, costs.

Obviously a much lower cost of membership. You would also pay the discounted rates for your preventative work. As you can see below, even with the combined cost of the plan and dental work (based on a nationwide average), you save more money.

This means that an individual would save around $370 a year. A couple would save around $780. And a family of 5 would save around $1600 each year! If you save these amounts in each year where you only need standard maintenance, you’ll have plenty of money saved for the years where you need some more substantial dental work.

Majorly Better

Now you still might have the lingering question:

But what if I do need something major? Will I actually save money?

Now let me remind you of the major difference between dental and medical plan. You’re never going to have those procedures covered at 100%. Discount plans will cover major work from 20-60% with unlimited usage. PPOs will cover 50% until the annual maximum has been met.

As an example, a common kind of major work is a root canal and crown. Nationwide, the average cost of a root canal would be around $1000-1200. The average cost of a crown would be $1200-1400. So let’s take the high side of each of those and say the cost will be $2,600.

And for the purposes of this example, I’ll stack the deck in favor of the PPO and say the discount plan will only give you the minimum savings of 20% while allowing the highest annual cap of $1500 for the PPO. (Many plans only have a $1,000 maximum.)

Even with the better “coverage,” the PPO plan is not saving you significantly more money.

Now imagine you need 2 root canals and crowns. The savings on the PPO don’t increase at all, but the savings on the discount plan do. The more expensive your dental work, the smaller the gap in savings will be between the two plans.

(And often, discount plans can cut those procedures by 50 or even 60 percent, which would close that gap even more, eventually stacking it in favor of the discount plan.)

So the question is, would plan would you prefer? The plan that occasionally saves you $400 more than the other on a single procedure? Or the plan that saves $400 more per person every year? It’s not hard to see that the better use of your money is the discount plan.

Best Use Practices

Now some readers might be thinking, “Still, that extra $400 savings would help. I just wouldn’t have $2,000 for a root canal and crown.” And that’s a fair point that brings up the key to using your dental plan most effectively:

Pay yourself the premiums!

If you were willing to pay the high monthly premiums to the company, purchase the discount plan and then just pay those “premiums” to yourself. Put them in a standard savings account. Or use your HSA, if you have one. Get what I call “double mileage” out of your savings.

The bottom line is, if you’re saving up $400 per person per year, you will be able to pay for major work, even if you only get the minimum discounts available.

I hope this has been helpful. I am passionate about this subject because I have been on the wrong end of dental bills a few times in my life. There is a helplessness that comes from not knowing how these plans truly work.

Or even worse, having to settle for dental work that affects your smile and self-esteem simply because you can’t afford the dental work you want.

So get a dental plan especially to maintain your teeth so that you hopefully never have to have major work. And go ahead and get a dental discount plan so that you don’t end up wasting your money.

[efosa123]

Passive Income: How I make $40,000/year doing nothing (software engineer edition) Passive Income: How I make $40,000/year doing nothing (software engineer edition) Video Transcript ▼ okay all right okay how's it going I think I'm getting all settled in here welcome back to another episode of the tech lead I am the tech lead and today I'll be the tech lead not to start off we actually have a sponsor today so let's go to that right now right now my name is the tech lead and I am the tech lead I hope you're enjoying the show but don't forget if you like the content we also have available for you tech weed season one complete HD for the low price of 1995 with this you get 28 additional episodes and nearly three hours of additional content check it out in the description link below everyone who has bother have left rave reviews saying that it has been well worth it for them they'll do it for me give it a like and subscribe and back to you tech lead thanks tech lead today I wanted to talk about passive income and about how I'm generating about $40,000 per year just on site income and this is income where I'm basically just not doing anything I'm just sitting around and each day I'm getting about low over $100 just for doing nothing now I wanted to talk about this video not actually because I think it's important for software engineers to build additional site income streams I would say that even $40,000 per year isn't really going to be that meaningful necessarily but but I would say it's a very fun happy to have it can help you get deeper into software engineering as you're building these side projects it can help build up your resume and what I hope to do is tell you about the ways that I generate aside the income and I'm not really sure if all of these are going to be completely useful for you because it may be difficult to replicate what I've done but it can help inspire you maybe give you some ideas so for me most of my side income comes from for projects that I'm doing now the first one is this photography software that I created it's called pan elapsed 360 comm check it out it is for time-lapse photographers and this project is a very niche project that I began when there was a big time-lapse boom like there were time lapses all over YouTube and I was into time lapses as well and people needed a way to add special effects to these time lapses to process the time lapses and there weren't many good time lapse software's so I looked into it there was one software that was retailing for over $200 and I thought you know that's really expensive and that I could build something better not the software I built did two things the first thing it would do was it would allow you to add motion to your time lapses using actually perspective correct math and this involved really understanding the math behind lenses like a 24 millimeter camera what does that actually mean in terms of field of view and what's like a hundred millimeter camera and this was very fun for me to learn and figure out and find the exact math behind it and I also applied some of my computer graphics skills to get this going I built the software using Adobe ActionScript which is like Flash technology now it's pretty funny because ActionScript is not a very popular language these days but the great thing about it was it was cross-platform across Windows and Apple and I wanted to make sure that the software I wrote could target both platforms and they needed to be desktop software because I didn't want users to have to upload their photos just together processed on like some web software so I've looked around for the appropriate technology for this and I could have chosen either Java or Adobe AIR ActionScript and I really wasn't keen on getting back into Java and it seemed to me that ActionScript and Flash technology could be something interesting it's something that I had already been doing a bit of and I was able to just build out the software pretty quickly it took like two weeks or so to build out I noticed at the time that a lot of time-lapse photographers were try to add motion to their time lapses using very expensive hardware rigs that would be based on timers and it was slowly like rotate the head and I realized that you didn't really need these Hardware timers and rotational motorized heads to do other stuff like you could do with or in software using perspective correction and just a bit of math and image distortion there was a very small niche messageboard community of time-lapse photographers I was part of it and I knew that if I built a software I could just go there announce it and everybody would see that message so that's exactly what I did and we then the first day or two of me launching the software I was already getting like five hundred dollars every day in sales over the years I continued to build up features into the software another big feature was allowing you to capture time lapses across sunset or sunrise when the scene exposure would change quickly and and for this I would use math to calculate the exposure of a scene based on the exposure triangle which is based on aperture ISO and shutter speed and using these three pieces you're able to calculate how bright a scene is and then interpret what Brenton is each frame should be as the cameras changing exposure quickly to try to capture the scene I also added some other interesting features like I had the support to do fish eye time lapses which is a very unique and strange effect and it literally took me like a month to work out the calculations for how to do a fisheye projection and then build like fisheye geometry into the program so I'm not sure if this was that well-received so I'm I don't know if it was a really good use of my time to spend the whole month building out this feature but it was really fun for me to do at least and I had to get into like GPU shaders to actually do it so I had to teach myself that stuff anyway the software something that I'm still maintaining these days I sell it for a pretty high price about $80 a piece and I think that's actually a very worthwhile price and also I just think that the economics is that for desktop software you can just charge more and I was pretty happy that I did not make this like an iPhone app where the standard is every app needs to be like $1 or $5 like like here's an app time selling for $80 but I still managed to make about one sell every day and it also helped when our managers to translate the whole web site into Japanese and the software became quite popular in Japan as well so that's one side project there's another side project that I've been running for the past 10 years or so it's called human pets comm it's kind of a social network and this was very popular back in the day like there were 2 million users and it was generating like $2,000 everyday or something for a while these days the website has lost a lot of popularity from its heyday it's still pushing out about say $100 per month and the way it generates money is generally through memberships take off these shoes so I feel like I probably should be charging more for membership I charge like 6 dollars for a monthly membership which is probably too low when you become a member you gain a bunch of additional features and another great thing about this that added was that you could buy or give to memberships to other people so a lot of people will be doing that because often people seem to treat others better than they may treat themselves I also run some Adsense on the site the ads don't really make much money it's like $60 a month but this site has been operational for the past ten years or so and it's just been spilling additional income for me the whole time so that's great the third project was a set of iPhone games web RPG apps really where people could just progress a character through a game and there would be levels a storyline to push the player through many items to collect monsters to fight and you just click buttons and kind of move your character through I think the key to this was there was a storyline that was just very engrossing for it to player and the other thing was I had high limits for purchases like you could buy items that were like $20 in the game there's a statistic that 90% of your income will come from the top 10% of players for in the game and those players are concerned with their whales they're basically people who have either a lot of money or don't mind spending a lot of money on gaming and so I think that was one mistake I made with my first website which was unlimited so that you can only pay a maximum of about 6 dollars per month for membership and after that it didn't matter how much you loved the app or game it was kept at that amount and what I wish I did was add higher thresholds for spending now the fourth project I did was very interesting and this was actually photography and you can sell stock photography or stock videos now stuff photography doesn't pay very well because it's so cheap like one photo the most you could get is like 25 cents or something like my best selling photo was a photo of the Brooklyn Bridge a New York just happens to sell very well because it's so iconic and this photo so about 1,500 copies and each copy was a dollar so me just standing there taking one shot with that was like a fifteen hundred dollar shot right there with video it's even better because each video you can sell for about $50 a piece or so and these days I think people are looking really for 4k video like they need to be extremely high quality my videos that I sold really well were videos of Japan there was actually the shrine called fushimi inari in kyoto with a bunch of red gates this was actually relatively unknown when I visited and there were very few people but it's funny that now if you go there's tons of people and I think it's because I helped popularize it you know I had this video and sold over a thousand copies of this video and usually it's travel agencies that buy these videos and then they use these to try to sell that that's a nation tours packages and they take tours there so it's kind of shame now that this place is now completely overrun with tours and I probably helped contribute to that mess and then I also did videos of Iceland the ice caves and Northern Lights and each of these videos generally brought in like $1,000 so in the end my photography work brought in about twenty thousand dollars over four or five years or so the other great thing about the photography work was I actually got sponsorships so I was able to work with a selling company and they offered us $10,000 catamarans and sailboats in exotic locations like the Bahamas or Phuket and we were able to just take these sailboats around and this was kind of unique because I knew how to sell and I'm a photographer so as I was able to take week-long sailing vacations in the exotic areas worthy lodging and that boat would be free so it was pretty great when you add it all together we're looking at about thirty six hundred dollars a month or forty K a year and the great thing about citing income like this business income is that you can actually deduct expenses on this so if you buy a laptop you can deduct against that anything i buy that may have some business purpose would be like about thirty percent off or something like that now one funny consequence of this is i don't actually do much github open source contributions because a lot of what I work on I sell like I wanted to be commercial software so I don't actually want to open source things so one time I had to recruit her asked me like hey what's your github and I was like I don't do open source you know I actually make money from her projects and they're just like that yeah that's I would say though that another way I generate a lot of site income so to say is I just live with my parents that's saving me like at least $3,000 per month on rent and the funny thing about this is you calculate that as post-tax income so it's equivalent to about 4 K per month in income you might earn at a job that's like 48 K savings right there's so I don't know what I'm gonna do with all this money I'm saving but maybe I'll give it to my kid or something like that so the last thing one says when I look for a project there's a few things I'm looking for so the first thing to look for is timing like why now and everything I've done that has succeeded I think there was a reason that timing made sense like like there were certain trends in user behavior or technology that signified that it was at that moment that it would be ripe for some project to succeed the other thing is I look for things that are scalable so running a restaurant I think is not very scalable it's I think what you're really looking for our scenarios were you can affect far more many people and that's usually done through the internet and that gets the last thing is using coding to automate these systems such that you don't have to do anything and then the system just automatically takes care itself that's when it becomes really passive but yeah that's pretty much how I've been looking at generally the inside income I think in the whole scheme of things it's not much compared to say the salary that a software engineer is able to generate but I think it's really fun sometimes you're actually able to strike gold in certain areas and make a lot but there than that I think it just makes the Hobby that much more interesting and overall just push your craft to a higher level no matter what you're doing so there you have it that'll do it for me if you liked the video please give it a like and subscribe it really helps grow the channel and that we'll see you next time bye