#High-End Commercial Real Estate

[rjzimmerman]

Excerpt from this story from the New York Times:

At first glance, Dave Langston’s predicament seems similar to headaches facing homeowners in coastal states vulnerable to catastrophic hurricanes: As disasters have become more frequent and severe, his insurance company has been losing money. Then, it canceled his coverage and left the state.

But Mr. Langston lives in Iowa.

Relatively consistent weather once made Iowa a good bet for insurance companies. But now, as a warming planet makes events like hail and wind storms worse, insurers are fleeing.

Mr. Langston spent months trying to find another company to insure the townhouses, on a quiet cul-de-sac at the edge of Cedar Rapids, that belong to members of his homeowners association. Without coverage, “if we were to have damage that hit all 17 units, we’re looking at bankruptcy for all of us,” he said.

The insurance turmoil caused by climate change — which had been concentrated in Florida, California and Louisiana — is fast becoming a contagion, spreading to states like Iowa, Arkansas, Ohio, Utah and Washington. Even in the Northeast, where homeowners insurance was still generally profitable last year, the trends are worsening.

In 2023, insurers lost money on homeowners coverage in 18 states, more than a third of the country, according to a New York Times analysis of newly available financial data. That’s up from 12 states five years ago, and eight states in 2013. The result is that insurance companies are raising premiums by as much as 50 percent or more, cutting back on coverage or leaving entire states altogether. Nationally, over the last decade, insurers paid out more in claims than they received in premiums, according to the ratings firm Moody’s, and those losses are increasing.

The growing tumult is affecting people whose homes have never been damaged and who have dutifully paid their premiums, year after year. Cancellation notices have left them scrambling to find coverage to protect what is often their single biggest investment. As a last resort, many are ending up in high-risk insurance pools created by states that are backed by the public and offer less coverage than standard policies. By and large, state regulators lack strategies to restore stability to the market.

Insurers are still turning a profit from other lines of business, like commercial and life insurance policies. But many are dropping homeowners coverage because of losses.

Tracking the shifting insurance market is complicated by the fact it is not regulated by the federal government; attempts by the Treasury Department to simply gather data have been rebuffed by some state regulators. 

The turmoil in insurance markets is a flashing red light for an American economy that is built on real property. Without insurance, banks won’t issue a mortgage; without a mortgage, most people can’t buy a home. With fewer buyers, real estate values are likely to decline, along with property tax revenues, leaving communities with less money for schools, police and other basic services.

And without sufficient insurance, people struggle to rebuild after disasters. Last year, storms, wildfires and other disasters pushed 2.5 million American adults out of their homes, according to census data, including at least 830,000 people who were displaced for six months or longer.

[mariacallous]

At the end of January, clips from a film about the housing market in Russian-occupied Mariupol began circulating on TikTok and X (formerly Twitter). After the start of Russia’s full-scale invasion of Ukraine, the Russian army held Mariupol under siege for 85 days, all the while relentlessly pummeling the city with missile and air strikes. Mariupol was effectively reduced to rubble, and no one knows how many lives were lost — though some estimates place the number as high as 100,000. As soon as the Russian authorities had captured the city, they set about rebuilding it and erasing any trace of war crimes.

The film, titled “Shocking Prices for Apartments in Mariupol — Millions for Ruins” was released in November on the YouTube channel “Mirnyie” (the plural form of “peaceful” in Russian and the first part of “peaceful inhabitants,” a Russian term used to distinguish non-combatants from military personnel in conflict zones). The Mirnyie project is led by “war correspondent” Regina Orekhova, a journalist from the Russian state news agency RIA Novosti. In 2022, she received a special award from the Russian Union of Journalists for “courage in fulfilling journalistic duty.”

The Mirnyie project, as one might surmise from its name, explores the lives of ordinary people in the conflict zone. “These are the stories of people who found themselves caught in the crossfire — some left, while others stayed. [We share] their experiences, how they survive, and what they think about,” reads the description. Judging by the channel, Orekhova primarily works in Mariupol. Previous reports of hers cover topics such as Azovstal’s underground tunnels, the sea port, city maternity hospitals, and the drama theater, which was destroyed by a Russian airstrike while an estimated 1,000 civilians were sheltering there.

In the introduction to the half-hour film, Orekhova promises to answer the following questions: “How do you buy an apartment in Mariupol? Is it more profitable to invest in ‘ruins’ that you can resell once renovated? How do you rent commercial space for a business here and how much does it cost? What kinds of apartments are for sale and what determines the price?” Orekhova explains that in Mariupol, there are “damaged buildings” as well as “brand new and renovated ones.” “The real estate market is very unconventional. We’ve studied it in detail and we’ll tell you all about it,” she promises. 

Orekhova speaks with three local realtors who show her properties for sale in different parts of the city. As it turns out, these are mostly half-destroyed apartments, hastily abandoned by residents who left all their personal belongings behind as they fled. However, even such properties, according to the realtors, are in high demand. In some cases, actual ruins, where just parts of the walls survived the bombings, are for sale. However, Russian construction companies will restore these buildings later for free, which significantly increases prices. There’s also the rare property untouched by war, or newly renovated apartments in restored buildings. Prices for these range from four to six million rubles (about $50,000-$66,000). Apartments in historic Stalin-era buildings in the center of Mariupol with surviving inner courtyards (i.e., enclosed parking), renovated entrances, and sea views are considered premium housing.

The film doesn’t explain why or, more importantly, by whom all the housing in Mariupol was destroyed. Realtors talk evasively about “all those events” or “military actions.” Orekhova asks how many real estate agencies are currently operating in Mariupol. “Well, there aren’t many surviving citizens per square meter, you could say, but they exist, of course,” a realtor answers.

Showing a damaged three-room apartment in the center of Mariupol, real estate agent Natalia remarks that “one shouldn’t focus on the consequences of what happened to the apartment but on the apartment’s potential.” There’s no electricity, the ceiling is leaking, and personal belongings, including toys and a highchair, lie strewn about — but the windows have been replaced. Natalia points out the “magnificent view” from the balcony. “These buildings have survived more than one war and, as you can see, are still standing,” Natalia says encouragingly. According to her, it would be too painful for the previous owners to come back and see their home like this, which is why they’re looking to sell the apartment in its current condition.

The realtors say that apartments are mostly bought by newcomers “from big Russia” and bemoan that locals can’t afford newly constructed housing. According to them, Russian authorities introduced a special two percent mortgage rate for people from the self-proclaimed “Donetsk People’s Republic” and “Luhansk People’s Republic” who have Russian citizenship. But locals can’t get approved because most aren’t officially employed — there are no jobs with decent salaries in Mariupol.

Luisa, the head of a real estate management company, explains that it’s virtually impossible for Mariupol residents to get an apartment without Russia’s help. She says they “can’t afford to buy back their old homes in Mariupol or to purchase new ones.” When new construction is put up where their destroyed homes used to be, the mortgage payments are out of reach. Luisa recalls how an apartment building in the center, leveled in the bombings, was cleared away to make room for new construction. Residents were offered housing somewhere on the outskirts as compensation, but they weren’t able to buy apartments in the new building being built on their property, even though they’re legally registered at the address.

Tatiana, another realtor, thinks everything in Mariupol is “getting back on track.” She says people are returning, “even those who didn’t plan to.” “The demand [for apartments] is very high, much higher than the supply,” Tatiana explains. “If an apartment is in poor condition but at a good price, it goes quickly. The interested buyers are mainly newcomers. People from Siberia are also eyeing our seaside breeze.”

Tatiana tells Orekhova that everything is “looking up” for the city:

Mariupol has never experienced such rapid growth. The city is developing before our eyes. It’s happening in such a way that even we don’t know where things will improve tomorrow, where slums will turn into upscale neighborhoods. Because our sky is blue. When I say this, everyone smiles, actually. But before, our sky used to be gray or brown, never blue. And now life is getting better; every cloud has a silver lining. You just don’t want to remember the military operations; you go numb. But when you see what’s happening in Mariupol — everything will be fine, everything will work out.

[fatehbaz]

taking relentless severe psychic damage from watching several hours of videos of television commercial advertisements from the United States in December 1999.

a world-historical moment, an all-time high peak of self-assured smirking arrogance.

ascendant home computers and internet modems. a new millennium! a time after Cold War but before Nining Leven, with saxophone-playing heads of state and cheery Spielbierg-ian sentimentality attempting to plaster over 1970s/1980s disappointments and hangovers with renewed millennarian End-Of-History optimism.

come celebrate with us! look at these images of The Nation! from sparkling Times Square and the cast of "Friends" in bustling cosmopolitan New York City, to sunny Californian prosperity, to those cartoonish frogs in the quasi-mythical Deep South-ish rural periphery of Budweiser ads, and all the suburban Midwestern Kay's Jeweler's in between! planetary hegemony. "Head east from the Colosseum, across the ruts of chariots, and you'll find an imperial estate built by a second-century Caesar. It's a rough ride. And if the agile and durable Chevy Tracker can handle these ancient roads, driving back home will be a walk in the park. Chevy Tracker: It Gets Around!"

or perhaps "our" power extends beyond this terrestrial imperium, into space, conquering the stars. UFOs; space aliens; The X-Files; Independence Day; Space Jam; Men in Black; the Phoenix Lights; Coast to Coast AM on the radio; Space Command in Colorado Springs.

the anxious fragility belied by the desperate constant promotion of an almost religious dedication to recognizable icons.

talking chihuahuas, marketing jingles, annual football game events. self-referential circular cross-promotion maelstrom.

"An all-new holiday spectacular, a Christmas special destined to become a family classic! With music from REM's Michael Stipe, voiced by Ally McBeal's Peter MacNicol, and starring Drew Barrymore! It's Olive the Other Reindeer! At 8/7 Central Fox Friday!"

trying to insist that this "classic" cultural iconography binds us. it has always lived in your heart. fabricating in real-time a supposedly shared history, insisting on this "reality" even at the moment of its very creation. hammering away at the soul.

Daffy Duck saunters in and pronounces: "Eat your way into the new millennium with this 'gigundo' party sub from Subway!"

why aren't you smiling?

[orcinus-veterinarius]

Wait, what’s the deal with seashepard? I grew up w a family that supported them and literally bought their merch and stuff

I was the same way! I thought they were so cool after watching Whale Wars. But unfortuantely, despite agreeing with their mission to end commercial whaling, I think their dangerous methods (not to mention their extreme anti-zoo and anti-Indigenous rhetoric) ultimately cause a lot more harm than good. Assaulting and harrassing whalers and sealers, many of whom rely on hunting to feed their families, isn't going to inspire any change. I've been told by folks that have had interactions with Sea Shepherd members that they have a reputation for alienating the communities they enter and being rude and aggressive to both locals and other anti-whaling organizations.

Captain Paul Watson founded Sea Shepherd in 1977 after leaving Greenpeace for disapproving of his "direct action" approaches. In 1986, Watson lead an attack on unoccupied whaling vessels in Iceland that got his group branded as terrorists. The act ultimately had a counterintuative effect, "turn[ing] Icelandic public opinion against the cause of saving whales" (x). In 2013, they were even labeled as "pirates" by a U.S. court for their aggressive actions toward occupied Japanese whaling ships: "When you ram ships; hurl containers of acid; drag metal-reinforced ropes in the water to damage propellers and rudders; launch smoke bombs and flares with hooks; and point high-powered lasers at other ships, you are, without a doubt, a pirate, no matter how high-minded you believe your purpose to be" (x). Sea Shepherd actually removed Watson in 2022 in an attempt to separate itself from his more radical tactics (and outstanding arrest warrants) and go legitmate. PETA denounced this as a betrayal to the animal rights movement.

Watson started his own organization (yet again), and Sea Shepherd is now lead by real estate mogul Pritam Singh. But I still hesitate to support them. In their bid to gain custody of Wikie and Keijo, they make several alarming statements, claiming that Nova Scotia is too cold for them since all they know is warm Mediterranean water (neglecting the fact that their habitat is chilled, something that can't be done in a pen) and that relocating to a sea pen in France will somehow be less stressful than moving to another pool. Wikie and Keijo were both born in the Marineland tanks. Even if we believe that a pen will be more beneficial to their welfare in the long run, it's downright foolish to claim that a pen is the "least stressful option." No one on their team has remotely any experience in captive cetacean husbandry, so they plan to continue employing Marineland trainers. Maybe don't accuse a group of animal abuse and then ask them to come work for you?

[blueiscoool]

Have Researchers Found Amelia Earhart’s Long-Lost Plane?

A new sonar image shows an airplane-shaped object resting on the bottom of the Pacific Ocean, not far from where Earhart and her navigator, Fred Noonan, went missing in 1937.

On July 2, 1937, pioneering pilot Amelia Earhart vanished somewhere over the Pacific Ocean near the end of her historic around-the-world flight. For decades, her mysterious disappearance has perplexed explorers, who have spent millions of dollars trying to find her missing Lockheed 10-E Electra plane.

Now, a possible new clue has emerged in the case: A sonar image captured during an expedition last fall shows an airplane-shaped object sitting on the ocean floor, not far from where experts believe Earhart likely crashed, reports the Wall Street Journal’s Nidhi Subbaraman.

The blurred object is far from definitive proof, but Dorothy Cochrane, an aeronautics curator at the Smithsonian’s National Air and Space Museum, tells Smithsonian magazine it’s “an intriguing image” that warrants a second look.

The expedition was led by Tony Romeo, who is a former intelligence officer with the U.S. Air Force, a pilot and a commercial real estate investor from South Carolina. In 2021, he sold his real estate properties and spent $11 million to fund the trip, including buying high-tech equipment to aid in the search.

“This has been a story that’s always intrigued me, and all the things in my life kind of collided at the right moment,” Romeo tells Business Insider’s Katherine Tangalakis-Lippert and Rebecca Rommen. “I was getting out of real estate and looking for a new project, so even though I really started about 18 months ago, this was something I’ve been thinking and researching for a long time.”

Last September, a team from the exploration company Deep Sea Vision, which Romeo founded, departed from Tarawa, Kiribati, in the South Pacific aboard a research vessel. Working in 36-hour shifts, the 16-person crew used an underwater autonomous vehicle equipped with sonar to scour the sea floor, scanning roughly 5,200 total square miles.

About 90 days into the trip, the team was reviewing sonar images and noticed something unusual in the data from some 60 days prior. The mysterious object looked to be about the same shape and size as an aircraft, and it was identified roughly 100 miles from Howland Island, which is within the region where experts think Earhart’s plane went down. The object is around 16,400 feet below the water’s surface.

By then, however, the crew had determined it was too late to return to the site for a closer look. The camera on the underwater vehicle was also broken, which meant they wouldn’t be able to see anything if they did circle back, reports the Post and Courier’s Tony Bartelme.

But Romeo is undeterred and hopes to revisit the area in the future.

“This is maybe the most exciting thing I’ll ever do in my life,” he tells the Wall Street Journal. “I feel like a 10-year-old going on a treasure hunt.”

In the meantime, the sonar image is not detailed enough for experts to draw any definitive conclusions.

“It definitely appears to be an aircraft of some sort,” David Jourdan, who has searched three times for Earhart’s missing plane and is the co-founder and president of the ocean exploration company Nauticos, tells the Post and Courier. “It has aircraft-like features. But sound is funny. It can mislead you. We can’t say it’s her plane until you put a camera on it.”

To truly identify the object, future missions would ideally capture detailed images that contain the registration number of the plane, says Cochrane. Or, at the very least, they might more clearly show the submerged object’s dimensions and shape to see if it matches the model of Earhart’s vehicle.

“It really requires further research,” says Cochrane. “Finding something that’s really worth investigating further is step one. Verifying it’s the actual craft is step two. And step three becomes: Is it possible to recover this or not, or should it just be left where it is?”

At the time of her disappearance, Earhart was a global celebrity—speaking with the Wall Street Journal, Romeo likens her to Taylor Swift today. In June 1928, Earhart became the first woman to fly across the Atlantic Ocean (as a passenger of pilots Wilmer Stultz and Lou Gordon), a feat that propelled her to international stardom.

Nearly four years later, in May 1932, she made history again by becoming the first woman to fly solo across the Atlantic Ocean. Later that year, she became the first woman to fly solo across North America and back. And in 1935, she became the first person, regardless of gender, to fly solo from Honolulu, Hawaii, to Oakland, California.

In the summer of 1936, the renowned pilot began to plan her most ambitious trip yet: a circumnavigation of the globe. On May 20, 1937, Earhart and her navigator, Fred Noonan, departed from Oakland for the first leg of the trip. They flew nearly 22,000 miles, making stops in Miami, South America, Africa and India along their eastward route.

By late June, they had made it to Lae, Papua New Guinea. After a few days’ rest, they departed for Howland Island, a small, uninhabited outcrop in the Pacific where a refueling station had been built for their journey. The U.S. Coast Guard had a vessel, the Itasca, stationed nearby to help with the landing.

Operators aboard the Itasca heard Earhart’s radio messages as she got closer and closer to the island. But eventually, they lost contact. Earhart and Noonan were never seen or heard from again.

The U.S. Navy and Coast Guard spent 16 days searching for the missing duo without success. About one and a half years later, on January 5, 1939, Earhart was declared dead.

Theories abound about her mysterious disappearance—some onlookers have speculated that she was a spy or that she was captured by a foreign military. But Cochrane believes the simplest explanation is the most plausible: that Earhart and Noonan ran out of fuel near Howland Island.

“She’s got to be around there somewhere,” she adds.

By Sarah Kuta.

[girlactionfigure]

🟤 Thu morning - ISRAEL REALTIME - Connecting to Israel in Realtime

▪️NO FAMINE IN GAZA.. there is currently no famine in Gaza, a new report by the key Integrated Food Security Phase Classification (IPC) organization has found.  The study found no evidence of deaths from starvation.  (( Now to google “famine in Gaza” and see the hundreds of primary sources and articles repeating the lie - even CNN yesterday. )) https://www.timesofisrael.com/key-food-security-org-finds-no-famine-in-gaza-says-previous-assumptions-wrong/

▪️DESTROYED BUILDINGS IN GAZA.. UN and MSM say 70% of buildings in Gaza destroyed.  Official IDF data: 16% of permanent buildings destroyed, 36% of temporary buildings (like sheds) destroyed.  

▪️LIES ALL THE WAY DOWN.. The 70% figures above on buildings, together with the fake famine, all of which are touted by the mainstream media and the UN on the basis of complete LIES from Hamas - - are also the basis for international outrage, UN condemnations, and the International Court of Justice’s rulings.  It’s LIES all the way down.

▪️NO, YOU CAN’T HAVE BOMBS, YOU MIGHT DEFEND YOURSELF WITH THEM.. The Biden administration made it clear to Prime Minister Netanyahu that the shipment of heavy bombs from the United States that was stopped, will not be transferred in full to Israel even after the operation in Rafah is over.

The American concern is that additional arms shipments to Israel will be used to open a front in the north. In an attempt to calm the American administration, an Israeli commitment to diplomatic exhaustion. Accordingly, Israel's commitments to the Americans, in order to receive additional arms shipments, is a negotiation for a political solution in Lebanon at the end of the operation in Rafah and the use of weapons in a "measured" manner in accordance with the US requirement. (N12)

▪️SOCIETY.. as expected, charedi institutions and senior leaders start coming out with statements against conscription following the High Court ruling and Attorney General’s demand the IDF immediately recruit: “the Hasidim of Belz inform you - the Torah students will not be drafted and if, God forbid, they force them to be drafted into the army, all the Rebbe’s and rabbis here will go to jail in their place.”

▪️HOUTHIS STEAL PLANES.. the Houthis have stolen 4 Airbus A330 planes from the Yemen national airline, as well as stealing the maintenance fund for planes from the airline (over $100 million).  Yemen pilgrims are stuck in Saudi Arabia after the Hajj… and what are the Houthis planning with 4 commercial passenger planes?

▪️US ANTI-SEMITISM.. pro-Hamas rioter boardesthe subway in New York and demanded that all Zionists get off, getting in everyones face and demanding to know if they are a Jew.

▪️VICTIMS DEMAND.. Victims of October 7 petition the High Court: "Demand a State Commission of Inquiry”.

▪️PROTEST - ANTI-GOVT.. blocked Highway 2 to traffic on both sides, in the area of ​​Gesher HaBonim.

♦️IDF AIRSTRIKES LEBANON.. once was a 3-story building in Nabatia in southern Lebanon, 2nd strike in the same town.

♦️IDF AIRSTRIKES DAMASCUS AREA, SYRIA.. Sayda Zeinab area (which Iran operates as a shrine and a military post), a building belonging to the "Jhad al-Banaa" institution - (a real estate entity belonging to Iran and Hezbollah) was attacked near the town of Hajira in southern Damascus, and a military radar station was attacked in Tel Tzahan in the al-Savida area in southern Syria. 

♦️COUNTER-TERROR - JENIN.. overnight large security operation.  Firefights, explosives, IED’s (multiple) detonated - INJURIES - multiple helicopter evacs.  17 warriors injured!

[xxscarletxrosexx]

I spent 6 grueling hours researching how to protect one's photos/scans so you wouldn't have to--And these are my findings:

As the title states, I spent 6 grueling hours researching how to protect one's photos/scans in case other collectors want to protect and/or receive credit for their photos.

Once more let me emphasize THEIR PHOTOS.

Backstory:

It's not a secret that I'm quite a big collector of official Spy x Family merchandise, specifically clear file folders, stationery, and acrylic stands. I own so much, in fact, I have a tendency to own a handful of duplicates and had the crazy idea to start a small business selling these duplicates via Ko-Fi. A thought came to me that since I had already invested in a light box and a scanner for selling my merch, why not also use them to share pictures of my collection for other fans to view and appreciate?

And that was when I had sought the opinions from my good friend, @yumeka-sxf. Yumeka has been kindly posting high-resolution scans of her SxF merch (clear files, pages, etc.) on Tumblr. She is someone I also deemed as an expert when it came to uploading merch on the internet. She gave me incredible advice with awesome foresight when it came to watermarking high-resolution pictures and scans. She easily predicted what disrespectful people would do if I hadn't moved my watermarks to certain (albeit not really appealing) spots. And, just like she said, someone did attempt to remove my watermark using AI. You can read about it here. @yumeka-sxf also provided her own insight to watermarking merch here--if ya'll are interested to read.

I won't go into too much detail, but essentially they're long posts meant to educate people on why fans, who own the official merch, put watermarks on their pictures. The bottom line is, we're claiming the picture for ownership, NOT the merch.

Second, did you know that people have found ways to remove watermarks?

That gives me enough incentive as to why I want to take it a step further to protect my photos/scans.

"If I take a picture of something do I own the picture that I took?":

Yes and no. Yes as in, the picture is yours. No, because depending on your subject, it falls under numerous jurisdictions of copyright. You can find all the details in this insightful post from veteran photographers.

But since we're focusing on the topic of photos and scans of merchandise, I'd like to provide these screenshots:

And so, to re-iterate, the only thing you'll get out of copyrighting your photo is just the right to the photo--which is all I want.

The Findings:

6 grueling hours of research for protecting one's picture led me to several insightful directions--one of them amusingly brought me down a rabbit hole of how to protect one's real estate pictures. They did have some wonderful tips if you guys would like to read them!

Unfortunately, I do not own Photoshop so I could not make any edits on the metadata or create a layer that will prevent downloading the content of the picture. Preventing screenshots/right-clicking is limited to control on a website and/or can easily be canceled by plug-ins. So that just leaves me with finding something creative solutions the only tool I have: Canva (more on this later).

I spent some more time reading more journals and visited USCO (United States Copyright Office) and, finally, Pixsy.

I'm gonna be honest, USCO is THE BEST way to protect your media (merchandise, art, etc.) IF you have the money to support it.

Not only do I not have the funding for this type of service, but my photos don't exactly meet "originality" especially when the subject of the photo is copyright-protected merchandise, which means there are severe punishments for those who pursue any commercial purposes (such as selling my photos to make money rather than directing people to purchase the official work from the licensing site). And at the end of the day, I just care about the photo, itself, and receiving credit and source.

It's ridiculously simple to just credit and source a picture, and yet, it'll surprise you how many people just can't do that. This is why, I must take these extra precautions to ensure credit and sourcing.

So, I opted for Pixsy for its free plan that includes 500 images being monitored.

There's no doubt that I'll most likely invest in a monthly subscription if ever I amass beyond 500 pictures for monitoring.

Currently, it has already done an impressive job of identifying pictures I've posted with my watermarks on Ko-Fi, Twitter, and Tumblr. It has even identified reblogs/retweets.

For some odd reason, it uploads my pictures horizontally when it's normally vertical ^^; but it still gets the job done. Interestingly, it hasn't picked up my pictures from Mercari yet. I assume that if I were to upgrade to the subscription plan, Pixsy might be able to find it by then.

Procedures:

I'm sharing my procedures for protecting one's photo (and content, if applicable of course).

Step 1: Register on Pixsy. As I've addressed earlier, it's free.

Step 2: Upload HIGH-RESOLUTION pictures (no watermark) to Pixsy's database. This is probably the most accurate way for Pixsy to identify pictures of the same (or similar) "blueprint". In the picture below, I provided a screenshot of my picture without the watermark (left) with a picture they found of my picture with my watermark on it from my ko-fi shop (right).

Step 3: If you plan to upload a photo/scan with or without watermark, it is recommended to upload your image at 550 pixel image and at 72 dpi. This makes it good for the internet (see first image below). But once you zoom in, you can tell the difference in quality (see second image below).

I mentioned before that I don't have photoshop, so I experimented with what I do have: Canva.

Since I have a premium membership (indicated by crown icons), I just use the following settings:

and it gets the job done.

I am planning to upload my photos without watermarks to the Spy x Family wiki quite soon, so I did all this research to prepare for possible theft and/or the lack of crediting and sourcing--just in case. A friend of mine told me that s/he can try to ensure crediting through the file name, which is a ridiculously kind gesture, but I'm not ignorant of people who change/completely ignore file names. That's unfortunately just the way it is on the internet.

Hopefully, I've curated enough research to help protect photos/scans from possible theft (if reposting is not allowed by the owner).

I don't mind if my photos are used for reference AS LONG AS they credit me and link the source directly to the image itself (not one of those cut-corner kind of way and just link my Ko-Fi gallery). I won't tolerate laziness when it comes to sourcing considering I invested a lot of money to purchase merch and invested hours--even days--to get the best photo/scan + researched information on the merch for public access.

[drogba-prospect]

Croupier Comptable: Game Theory for The Venetian Macao, China (Trapping Aesthetic for Volleyball) 14K

BIO

My Name is Adrian Blake-Trotman. I am Indo-Mediterranean Caribbean Born in Toronto but From Barbados and Haiti. I am a Beta-arbitrage Mergers & Acquisitions Banker that Specializes in Commodities. I have Understanding Financial Markets by Université de Genève and Monetary Policy in the Asian-Pacific by Hong Kong University of Science and Technology with No Gr. 12 Math or Intro to Linear Algebra; I built a mathematical learning style by using Japanese Candlesticks Bullish Engulfing Discounted Cash Flow Charts for Poker. I Operate TAX AVOIDANCE through Freelance Mergers & Acquisitions through an Enterprise Foundation and Investment Trust. My background is Agriculture Working Class, I've worked in Kitchens and Grocery Stores. My goal is to connect the Democratic Republic of the Congo to two tax havens; Haiti & Seychelles to stabilize the Diamond Trade and more Important the Commodities Market. Through Mercantilism Agriculture Hedge Fund as a Central Bank, Options Volatility Exchange, Lab Grown Re-sale Market, Decentralized Currency and Fiat Money, Hospitality & Gaming. Also To form a Socioeconomic Status Agriculture Working Class; Blue, Pink, and White Collar Jobs. I am Modelling my Cartel off of Wall Street for De Beers but is owned and operated by the Société des Bains de Mer (SBM); The Casino de Monte-Carlo is owned and operated by the Société des Bains de Mer (SBM), a public company in which the government of Monaco and the ruling princely family have a majority interest. The company also owns the principal hotels, sports clubs, food service establishments, and nightclubs throughout the Principality. The Société des Bains de Mer operates in the accommodation, dining, entertainment, and gambling services. SBM manages and owns casinos, hotels, restaurants, bars, nightclubs, spas, beach clubs, and golf clubs. Fifty-two of their fifty-eight properties are located in Monaco. The concept of state-corporate crime refers to crimes that result from the relationship between the policies of the state and the policies and practices of commercially motivated corporations. The term was coined by Kramer and Michalowski in 1990.

THE ARNAULT MODEL: BALANCING FINANCIAL DISCIPLINE AND CREATIVITY

Over the next three decades, as he brought the best luxury brands in fashion, cosmetics, and beverages under the LVMH umbrella, Arnault proceeded to make “a series of brilliant business decisions” that “can only be called masterful.” Even his critics were impressed by “his ability to manage creativity for the sake of profit and growth.” Industry observers frequently credit his outstanding success in a highly competitive industry to the fact that—unlike other global CEOs—Arnault understands both the creative and the financial aspects of running a luxury business

Financed through Real Estate and Convertible Bonds

The Creation of Star Brands

In a 2001 Harvard Business Review interview, Arnault explained his famous business process, which—unlike the traditional fashion industry—requires financial discipline as well as creativity. The entire focus of Arnault's teams is the creation of “star brands” that must meet a high bar for four artistic and financial criteria: LVMH brands must be “timeless, modern, fast-growing, and highly profitable.” In practice, “profitable creativity” means that “star brands are born only when a company manages to make products that ‘speak to the ages’ but feel ‘intensely modern’ and ‘sell fast and furiously, all while raking in profits

Although the LVMH process begins with "radical innovation—an unpredictable, messy, highly emotional activity” on the creative end, as soon as “it comes to getting creativity onto shelves—chaos is banished,” and the company imposes "strict discipline on manufacturing processes, meticulously planning all 1,000 tasks in the construction of one purse.”

The genius of Arnault’s process is that, although the "front end of a star brand—the innovation…the creative process, the advertising—is very, very expensive,” the “back end of the process in the atelier (the factory)” is a place of "amazing discipline and rigor” that drives “high profitability behind the scenes.” Brands with “unbelievably high quality” require “unbelievably high productivity,” so “every single motion, every step of every process is carefully planned with the most modern and complete engineering technology.”

For example, when Arnault automated production at Vuitton, he drove that venerable old brand to the top spot on Fashionista’s list of the world's best-selling luxury brands in 2011, with a value of $24.3 billion—more than twice the amount of its nearest competitor.

As he spent “lavishly” on advertising, Arnault "rigorously" controlled costs by leveraging every possible synergy across the group: Kenzo manufactured a Christian Lacroix line; Givenchy manufactured a Kenzo perfume, and Guerlain created the first Vuitton perfume.

Creative Talent Management

As Arnault built LVMH into the world's largest luxury conglomerate, he hired new design talent for star brands that “speak to the ages” but “feel intensely modern”: from Céline, Kenzo, Guerlain, and Givenchy to Loewe, Thomas Pink, Fendi, and DKNY.

Because his model requires that “the counterbalance to creativity must be commerce,” Arnault “never hesitated to reign in, or outright terminate, creative executives who did not produce.” Since the early days at Dior, he has often replaced creative executives with non-traditional talent and then shuffled them across his brands to help him identify opportunities to drive profit—no matter how unpopular.

For example, at Givenchy in 1995, Arnault brought in a “fashion industry darling” and “notorious wild child,” British designer John Galliano, to replace Hubert de Givenchy, the industry icon “credited with defining simple elegance for an entire generation of women, (including) Audrey Hepburn, Jacqueline Kennedy, and the Duchess of Windsor.”

Within a year, Arnault moved Galliano, the first British designer in French haute couture, from Givenchy to Christian Dior to replace Gianfranco Ferré, the Italian couturier who had led Dior design since the late 1980s. Other non-traditional Arnault hires included installing 27-year-old Alexander McQueen (another British designer) at Givenchy and Marc Jacobs at Louis Vuitton, where he gave the American designer a mandate to challenge LVMH’s competitors, Prada and Gucci.

Although those iconoclastic designers later left LVMH, they had served Arnault’s purpose: interest in his traditional fashion houses had been jumpstarted by the early 21st century.

HOW TO STABILIZE THE DEMOCRATIC REPUBLIC OF THE CONGO, SEYCHELLOIS, AND HAITIAN CURRENCY (INDIAN PREMIER LEAGUE BUT FOR MMA & COMMODITIES NOT CRICKET & TECHNOLOGY MODEL)

Bioeconomy Agriculture Central Hedge Fund with Agriculture Bulge Brackets Oligopolistic System Hyper Inflation Vehicle Fiat Currency: Strict Negative Interest Rates for Investments; Debt/Equity Business Loan Period and Construction Loan/Tax Benefits Programs, Investment Trusts & Enterprise Foundations are Common Corporate Tax Avoidance Practices, and Raise Denominator of Currency & Print Currency for Insurance Companies for Building Process

Combat Sport as National Sport: Free Internet with Corporate Sponsor Purse Bid System Mixed Martial Arts Camps, Orphanages, Polytheist Churches, Gaming-Hospitality; and +EV Gambling

Mercantilism Fiat Currency Pegging: Foreign Exchange Rate to Diamond Peg Currency

Market Extension Vertical Integration Mergers Lottery

Industries: Mergers & Acquisitions Agriculture Industry, Decentralized Finance, Real Estate Finance and Economics, Capital Gains Tax Haven, Corporate Tax Haven, Inheritance Tax Haven, Art Ports, and Gaming-Hospitality

Blockchain Diamond-Metal Exchange Modelled Off of CBOE Volatility Index (VIX). Founded in 1973, the CBOE Options Exchange is the world's largest options exchange with contracts focusing on individual equities, indexes, and interest rates. Credit Spread Options and Blockchain the Commodities Market.

Business Capital is a Collaborative Environment through Generalized Education (STEM AND M & A)

Socioeconomic Status Agriculture Working Class Immigrants

XYY or Triple X Syndrome, ACTN3 Gene, MSTN Gene, and Mercury-Venus Births

A ROUND OF PAR GAME THEORY NETWORK

Beta Arbitrage with Convertible Bonds Compounding

Key Ingredients 

Player's: Futures Exchange and Investor

Actions: Issue payments under any circumstances 

Payoffs: Exchange - Larger Market Volume, Investor - Larger Assets Under Management  or Profits

Representation

Extensive Form includes timing of moves. Player's move sequentially, represented as a tree (timing). Chess: the white player moves, then the black player can see White's move and react

Theory

There's a common expression of higher the risk, higher the reward; but in finance it should be higher reward, higher risk because people's savings are involved. This is why I created The Round of Par Games Theory Network where the intended score should always be 0. Nobody wins and nobody loses between investor and stock exchange, just a nice friendly draw. The Investors assets under management grows and the Exchange's Market Volume Grows.

Let's break down the Components:

Beta Arbitrage

Investor: Beta Arbitrage involves longing in one market and shorting in a DIFFERENT market. The example is longing Company A in the stock market but then going to Company A in the options market and placing a put/short option. Either way the Investor earns a profit.

Exchange: The Futures Exchange benefits because now not only is equity on the stock market is being bought but the options market has a larger volume.

Convertible Bond Compounding

Investor: By compounding through Convertible Bonds not only are you going to be paid back your money because creditors are first on the company's bankruptcy list unlike investors, but it's an easier way to buy more shares for growth investing while not diving head first.

Exchange: The Futures Exchange benefits because now not only is equity on the stock market is being bought, but the bond market has a larger volume.

LANGUAGES

Mandarin

Latin

INDUSTRY WORTH FOR COMMODITIES (AGRICULTURE WORKING CLASS)

In 2012, Forbes reported that $21 trillion was Off-Shored

In 2017 the equivalent of at least 10% of the world’s GDP is in offshore banks, and that number is probably higher due to the opaqueness of the world’s global tax havens, according to a research report release this month by the National Bureau of Economic Research.

The estimated amount of money laundered globally in one year is 2 - 5% of global GDP, or $800 billion - $2 trillion in current US dollars.

Taxes in the US – The federal government collected revenues of $3.5 trillion in 2019—equal to about 16.3 percent of gross domestic product (GDP) (figure 2). Over the past 50 years, federal revenue has averaged 17.4 percent of GDP, ranging from 20.0 percent (in 2000) to 14.6 percent (most recently in 2009 and 2010).

The foreign exchange or forex market is the largest financial market in the world – larger even than the stock market, with a daily volume of $6.6 trillion, according to the 2019 Triennial Central Bank Survey of FX and OTC derivatives markets.

In 2019, for example, the sales value of rough diamonds amounted to some 13.9 billion U.S. dollars worldwide. After polishing, the value increased by nearly double to 26.7 billion U.S. dollars. In 2019, the global diamond jewelry market value was approximately 79 billion U.S. dollars.

Global Cut Flowers Market to Reach $41. 1 Billion by 2027.

The global coffee market was valued at USD 102.02 billion in 2020,

Global Vanilla Market Is Expected to be worth Around USD 735 Million By 2026 

According to the report published by Allied Market Research, the global cocoa market generated $12.8 billion in 2019, and is projected to reach $15.5 billion by 2027, witnessing a CAGR of 4.3% from 2021 to 2027

The global water and wastewater market was valued at 263.07 billion U.S. dollars in 2020. The market is projected to reach a value almost 500 billion U.S. dollars by 2028 at a CAGR of 7.3 percent in the 2021 to 2028 period.

The global tobacco market size was estimated at USD 932.11 billion in 2020 and is expected to reach USD 949.82 billion in 2021.

For the year 2020, Worldwide Cotton Market was US$ 38.54 Billion. Global Cotton Market is expected to reach US$ 46.56 Billion by 2027, with a CAGR of 2.74% from 2020 to 2027.

The global waste management market size was valued at $1,612.0 billion in 2020, and is expected to reach $2,483.0 billion by 2030, registering a CAGR of 3.4% from 2021 to 2030

According to Brandessence Market Research, the Energy Drink market size reached USD 61.23 billion in 2020 and expected to reach USD 99.62 Billion by 2027.

LEGAL DEFENSE

Smurfing: Reverse Onus, Challenge Mens Rea and Actus Rea, Press Malicious Prosecution Charges, Financial Settlement

RICO Legal Disputes Trademark (30 for 30 Court): Undisclosed Settlement; 1 large sum ($30 million) broken into a 3-part settlement, Not going to trial settlement (guaranteed payment for being brought into court), Case being unsealed settlement (if the case gets reopened), and Testimony settlement (in court testimony in reopened case). The non-disclosure agreement (NDA); Agreement to 10 years jail time for every broken NDA, NDA on Case, NDA on Testifying, and NDA on Settlement. Sealed Federal Cases: Have legal matters sealed by the court to prevent leaked information to media and Precedence for RICO

CRIME COLLAR

White-Blue collar crime is a subgroup of white-collar crime White Collar Crime, a term reportedly first coined in 1939, is synonymous with the full range of frauds committed by business and government professionals. Blue-collar crime is a term used to describe crimes that are committed primarily by people who are from a lower social class. This is in contrast to white-collar crime, which refers to crime that is usually committed by people from a higher social class.

SOCIOCULTURAL THEORY OF DEVELOPMENT

Agriculture Working Class Immigrants Socioeconomic Status Focused Key Players in Commodities Market*

Polytheism (Zeus, Poseidon, and Ogou-Athena)*

Births: Mercury-Venus, MSTN Gene, ACTN3 Gene, XYY Syndrome, or Triple X Syndrome

Māori All Blacks Sports Culture and Volleyball is National Sport*

Jumping for Cardio*

Poker Brain*

REITs/Real Estate ETF Investors with Index Credit or Debit Spreads Options Trading*

Mergers and Acquisitions Exploratory School System*

Sand-Based Calisthenics  kallos sthenos (beautiful strength) Interval Training: Isometric-Plyometric, Circuit Training: Isometric-Isotonic, and Isometric-Mobility

Tofu is Protein of Choice

Fish/Seafood is Meat of Choice

Blueberry is consumed at every breakfast

Mineral Water instead of Spring Water

Coconut Syrup as Sugar Replacement

Business News is a part of The Cigar Culture

Sports Gambling for Extra Revenue Stream instead of Lottery Tickets when in Working Class

Hydrolyzed Collagen-Leucine is the Main Sports Medicine

Brokerage Accounts with First 10 Investments as Bond Funds and REITs

VAMMMBRGC LIFESTYLE BRAND RACKET

Volleyball (Trampoline)

Acting (Short Film Series: Aesthetic Taxi Game, Character: Expansive Mood Villain)

Modeling (Brand Activation Models)

Music (Psychedelic Festival Trap)

Martial Arts

Ballet (Females Only)

Rings Gymnastics (Males Only)

Graffiti (Art)

Cooking (Endorsements)

LVMH-Lacoste Collaboration Company For Tax Mergers Law; Market-extension merger: Two companies that sell the same products in different markets. 4.2.2 Corporate Taxation At the corporate level, the tax treatment of a merger or acquisition depends on whether the acquiring firm elects to treat the acquired firm as being absorbed into the parent with its tax attributes intact, or first being liquidated and then received in the form of its component assets.

What Is Vertical Integration? Vertical integration is a strategy that allows a company to streamline its operations by taking direct ownership of various stages of its production process rather than relying on external contractors or suppliers. A company may achieve vertical integration by acquiring or establishing its own suppliers, manufacturers, distributors, or retail locations rather than outsourcing them. However, vertical integration may be considered risky potential disadvantages due to the significant initial capital investment required.

Analysis Discounted Cash Flow (DCF): A key valuation tool in M&A, a discounted cash flow (DFC) analysis determines a company's current value, according to its estimated future cash flows. Forecasted free cash flows (net income + depreciation/amortization (capital expenditures) change in working capital) are discounted to a present value using the company's weighted average cost of capital (WACC). Admittedly, DCF is tricky to get right, but few tools can rival this valuation method.

VŒUX DE CHAMPAGNE SOGNI CAVIALI

Description: Beta-arbitrage Mergers & Acquisitions Cartel that commits Mediterranean-Caribbean and Afro-Mediterranean Socioeconomic Status Development Conflict Prevention and Reconstruction (CPR) Unit Charities, Protection Racket, Paramilitary Financing, Lobbyist-Investment Trust, Commodities Management, Gambling & Diamond Trafficking, Rolex Re-sale Market, Real Estate Brokerage, Graffiti Art Port, Smurfing, Nike Sports & Fashion Corporate Espionage and Larceny Business Model Reengineering, and VAMMMBRGC Contract Racketeering Through Enterprise Foundations

Activities: Executive Council for Mayor, Culinary Arts, Grey Market Fashion, Trap Shooting Gambling Tournaments, Volleyball Tournaments, Corporate Sponsor EdTech, Grocery Insurance & Electronic Financial Data Interchange, Diamond Encrusted Accessories Collaboration with LVMH, OTC Beta-arbitrage Branch Bracket, OTC Exchange (Commodities, Sports Betting Investment Trust, Real Estate Investment Trust, Cuisine Real Estate Investment Trust, Forex Pairs Contract for Difference, Retail/Hospitality Real Estate Investment Trust, Credit Swap Options Endorsement Index), VAMMMBRGC Youtube Distribution Channel (Gambling News Network, Noir Short Film Series [Shakespearean Crime], Cooking Channel, Sports Resort Real Estate, Sports/Modelling/Acting Business Case Study Video Essay, Brand Activation Modelling, Combat Sports, Calisthenics Workout Class, Sports Science Lessons, Graffiti Tourism, Music Videos, Natural Resources Documentaries, Hype Beast Re-Sale Market, Rolex Business Case Study Video Essays, Business Conferences).

DIAMOND TRAFFICKING

The WFDB Trade And Business Committee

The Trade and Business Committee makes recommendations to the Executive Committee concerning industry relations with financial institutions worldwide, lab-grown diamonds, Know Your Customer and the System of Warranties.

Idea 1: Luxury Goods Encrusted Items Investment Service and Auction. Example: Hermès Bag, Investment System: Masterworks, Auction System: Information Catwalks with models then bidding in a separate room with Video Replay for YouTube.

Idea 2: A sightholder is a company on the De Beers Global Sightholder Sales's (DBGSS) list of authorized bulk purchasers of rough diamonds. De Beers Group made this list, the second largest miner of diamonds. DBGSS was previously known as DTC (Diamond Trading Company). In May 2006, DTC released a list of the 93 sightholders on its website. High Fashion Accessories Aggregator Business Model with Auction and Re-sale.

Business Model 

The London Metal Exchange (LME) which is based in Hong Kong is a commodities exchange that deals in metals futures and options. It is the largest exchange for options and futures contracts for base metals, which include aluminum, zinc, lead, copper, and nickel. The exchange also facilitates trading of precious metals like gold and silver.

Originally known as the Chicago Board Options Exchange (CBOE), the exchange changed its name in 2017 as part of a rebranding effort by its holding company, CBOE Global Markets. Traders refer to the exchange as the CBOE ("see-bo"). CBOE is also the originator of the CBOE Volatility Index (VIX), the most widely used and recognized proxy for market volatility.

ABC Exchange (Alumina, Beryllium, Carbon): There are four types of precious stones: diamonds, rubies, sapphires and emeralds. Each type has its own specific chemical and physical properties. Diamonds are made from carbon, rubies and sapphires from alumina and emeralds from beryllium.

Diamond Monopoly 

What Is Vertical Integration? Vertical integration is a strategy that allows a company to streamline its operations by taking direct ownership of various stages of its production process rather than relying on external contractors or suppliers. A company may achieve vertical integration by acquiring or establishing its own suppliers, manufacturers, distributors, or retail locations rather than outsourcing them. However, vertical integration may be considered risky potential disadvantages due to the significant initial capital investment required.

My Vertical Integration Mergers: Company’s Diamond Mines, Merger Manufacturers, Company’s Distribution, and Merger Hospitality and Gaming Diamond Exchange

The Diamond Standard 

Influence: Agricultural Bank of China is active in commercial banking, investment banking, and insurance services.

Mercantilism was a form of economic nationalism that sought to increase the prosperity and power of a nation through restrictive trade practices. Its goal was to increase the supply of a state's gold and silver with exports rather than to deplete it through imports. It also sought to support domestic employment.

The bio-economy is defined as the economic activity associated with the invention, development, production; and use of primarily bio-based products, bio-based production processes, and/or biotechnology-based intellectual property.

Industries Association; Hospitality and Gaming: Daily and Monthly Revenue Streams, Capital Gains Taxing: Create Offshore revenue through trading and Blockchain is a volatile market for good liquidity. FOREX Vehicle Currency: Low Interest Rates means currency will be traded against other currencies, Shorting own currency to get foreign currency and exchanging returns to domestic currency stabilize exchange rate and Currency Basket 

Interest Rate Pegging: Environmental alternative to gold, Surplus item during Quantitative Easing, and Low Interest Rates lead to spending and loans for investment which means buying and trading diamonds will balloon 

Mine Options: Credit spreads and debit spreads are different spread strategies that can be used when investing in options. Both are vertical spreads or positions that are made up entirely of calls or entirely of puts with long and short options at different strikes. They both require buying and selling options (with the same security) with the same expiration date but different strike prices.

Diamond Mine Investment Group: Mines can create private Investment Groups. Items within Group: diamond retail, diamond trading, industrial diamond manufacturing sectors

Lab-created diamonds are grown in controlled laboratory environments using advanced technology that replicates the conditions under which diamonds naturally develop beneath the Earth's crust. These lab-grown diamonds consist almost entirely of carbon atoms and are arranged in a diamond crystal structure.

DIAMOND ROLEX INVESTMENT TRUST (EXAMPLE)

Description

Watch Listing Through Discounted Cash Flow for Rolex Drop Culture or Re-Sale Market

Underwriting Products

$50,000 in value

Collector's Edition

Less than 20 models made

Masterwork Investing Platform (reference)

Masterworks is making the world of art a little less exclusive by offering everyday investors the chance to own a fraction of these high-priced investments with a much smaller amount of money.

Through the fine art investing platform, users can purchase (and trade) shares in what the company has defined as "blue-chip" art: masterpieces from artists like Pablo Picasso, Claude Monet, Andy Warhol, Banksy, Kaws, Jean-Michel Basquiat and more.

How Masterworks functions (reference)

Masterworks provides an affordable way to invest in art. What was once an option reserved exclusively for wealthy investors is now accessible to investors of all types. Here's how the platform works:

Masterworks will purchase a painting and file it with the SEC as a public offering, or IPO, similar to how a company goes public. Shares of the painting are then made available for purchase on the Masterworks website for as little as $20 per share. The company says it launches about one new painting every four to five days.

The platform stands out, especially for using propriety data to determine which artist markets have the most momentum, focusing on the very high-end segment of the art market that has predictable returns, the company says. Meanwhile, its research team works in the background to calculate appreciation rates, correlation, and loss rates.

Masterworks even recently added a secondary market, too, where investors can trade shares in paintings. Plus, Masterworks lets you invest your IRA earnings into their fine art through its partnership with Alto IRA, an alternative asset investing platform.

Industrial Embassy 

Business Model: Insurance companies base their business models around assuming and diversifying risk. The essential insurance model involves pooling risk from individual payers and redistributing it across a larger portfolio. Most insurance companies generate revenue in two ways: Charging premiums in exchange for insurance coverage, then reinvesting those premiums into other interest-generating assets. Like all private businesses, insurance companies try to market effectively and minimize administrative costs. Types of Insurance: Mining, Manufacturing, Retail, Logistics 

Financing is the process of providing funds for business activities, making purchases, or investing. Financial institutions, such as banks, are in the business of providing capital to businesses, consumers, and investors to help them achieve their goals. The use of financing is vital in any economic system, as it allows companies to purchase products out of their immediate reach. Equity financing is the process of raising capital through the sale of shares. Companies raise money because they might have a short-term need to pay bills or have a long-term goal and require funds to invest in their growth. By selling shares, a company is effectively selling ownership in their company in return for cash. Advantages of Equity Financing; Funding your business through investors has several advantages, including the following: The biggest advantage is that you do not have to pay back the money. If your business enters bankruptcy, your investor or investors are not creditors. They are part-owners in your company, and because of that, their money is lost along with your company. You do not have to make monthly payments, so there is often more cash on hand for operating expenses. Investors understand that it takes time to build a business. You will get the money you need without the pressure of having to see your product or business thriving within a short amount of time. 

Planning Permission and Building Regulations Courses: Planning permission assesses whether the development fits in with local and national policies and whether it would cause unacceptable harm, for example, to neighbours' quality of life. Whereas building control covers the structural aspects of development and progress throughout the construction

AFRO-MEDITERRANEAN PARAMILITARY FINANCING

Military Payments

Sercurity Operations (SercOps) Payment: $150,000 yearly salary: Receives $100,000 salary; other $50,000 is used for branch-managed investment portfolio and investment trust

Discharge Payment: $75,000 yearly salary for Armoured Car Guard and Driver, Receives $50,000 salary; other $25,000 is used for branch-managed investment portfolio and investment trust

Military Funding: Central Hedge Fund Equity Given

Payment is in Fixed Currency

AFRO-MEDITERRANEAN SOCIOECONOMIC STATUS DEVELOPMENT CONFLICT PREVENTION AND RECONSTRUCTION (CPR) UNIT CENTERS

Corporate Sponsor: M & A Schools (Mergers and Acquisitions) & Retirement-preparatory School

Cross-Curriculum

STEM education is the cross-curricular study of science, technology, engineering, and mathematics, and the application of those subjects in real-world contexts.

Studying Style

I use Interleaving Studying for Generalist Kinaesthetic Learners.

Transition to Interleaving Studying: Online PowerPoint Presentation, Video Essays, Case Studies & Meta-analyses over Books to present Information as a country, Less Paper Use, Courses on Different PowerPoint Studying Styles, Make country a Business & Finance Culture and Technological Advanced, Overview at Beginning; Program Learning Concept Check During Quizzes at the End for Courses, Spaced Learning on concept checks before exiting the course.

A great example of when to use interleaving is sports, for instance, tennis. Instead of just practicing backhands in one session, you can interleave backhands, forehands, and volleys to get increased results. Another great example can be found in science classes, where interleaving math, physics, and chemistry, for example, can provide you with an advanced understanding of all 3 fields. 

Spaced learning is a learning method in which highly condensed learning content is repeated three times, with two 10-minute breaks during which distractor activities such as physical activities are performed by the students. It is based on the temporal pattern of stimuli for creating long-term memories reported by R. Douglas Fields in Scientific American in 2005.

Spacing boosts learning by spreading lessons and retrieval opportunities out over time so learning is not crammed all at once. By returning to content every so often, students' knowledge has had time to rest and be refreshed.

The two concepts are similar but essentially spacing is revision throughout the course, whereas interleaving is switching between ideas while you study. Although interleaving and spacing are different interventions, the two are linked because interleaving inherently introduces spacing. These two concepts will create student-athletes

The best part about interleaving is that it is almost a universal aid in learning

Evidence suggests that spaced practice is more effective for long-term retrieval.

Interleaving Studying forces the brain to continually retrieve because each practice attempt is different from the last, so rote responses pulled from short-term memory won’t work. 

Multiple choice test is an example of measuring retrieval by A. reconstruction. B. recognition.

Chess

Increasing Intelligence: Fluid and crystallized intelligence are constructs originally conceptualized by Raymond Cattell. The concepts of fluid and crystallized intelligence were further developed by Cattell and his former student John L. Horn. Crystallized intelligence. This refers to your vocabulary, knowledge, and skills. Crystallized intelligence typically increases as you get older. Fluid intelligence, also known as fluid reasoning, fluid intelligence is your ability to reason and think abstractly. Fluid intelligence refers to basic processes of reasoning and other mental activities that depend only minimally on prior learning (such as formal and informal education) and acculturation. Horn notes that it is formless, and can "flow into" a wide variety of cognitive activities Tasks measuring fluid reasoning require the ability to solve abstract reasoning problems. Examples of tasks that measure fluid intelligence include figure classifications, figural analyses, number and letter series, matrices, and paired associates. Crystallized intelligence refers to learned procedures and knowledge. It reflects the effects of experience and acculturation. Horn notes that crystallized ability is a "precipitate out of experience," resulting from the prior application of fluid ability that has been combined with the intelligence of culture. Examples of tasks that measure crystallized intelligence are vocabulary, general information, abstract word analogies, and the mechanics of language.

Bullet Chess: The rules for bullet chess aren't different from those of a regular chess game. Bullet chess refers to games played with time controls that are faster than 3 minutes per player. The most popular forms of bullet chess are 1|0 (one minute with no increment per player) or 2|1 (two minutes with a one-second increment per player). Increment (also known as bonus and Fischer since former World Chess Champion Bobby Fischer patented this timing method)—a specified amount of time is added to the players main time each move, unless the player's main time ran out before they completed their move.

Chess Benefits: It has been suggested by different scientists that chess involves, and possibly boosts, cognitive abilities such as working memory, fluid intelligence, and concentration capacity. Besides, chess may be beneficial for mathematical ability and, more widely, academic achievement by enhancing concentration and problem-solving skills.

Life-History Strategy

Life history theory posits that behavioral adaptation to various environmental (ecological and/or social) conditions encountered during childhood is regulated by a wide variety of different traits resulting in various behavioral strategies. Unpredictable and harsh conditions tend to produce fast life history strategies, characterized by early maturation, a higher number of sexual partners to whom one is less attached, and less parenting of offspring. Unpredictability and harshness not only affects dispositional social and emotional functioning, but may also promote the development of personality traits linked to higher rates of instability in social relationships or more self-interested behavior. Similarly, detrimental childhood experiences, such as poor parental care or high parent-child conflict, affect personality development and may create a more distrustful, malicious interpersonal style. The aim of this brief review is to survey and summarize findings on the impact of negative early-life experiences on the development of personality and fast life history strategies. By demonstrating that there are parallels in adaptations to adversity in these two domains, we hope to lend weight to current and future attempts to provide a comprehensive insight of personality traits and functions at the ultimate and proximate levels.

The Savant Skills Curriculum

Savant gifts, or splinter skills, may be exhibited in the following skill areas or domains: memory, hyperlexia (ie, the exceptional ability to read, spell and write), art, music, mechanical or spatial skill, calendar calculation, mathematical calculation, sensory sensitivity, athletic performance, and computer ability. These skills may be remarkable in contrast to the disability of autism, or may be in fact prodigious when viewed in relation to the non-disabled person.

Learning Centers

Enrichment centers require you to be aware of your students' learning styles (Kinesthetic) as well as their knowledge about a topic. The enrichment center can provide individual students with varied activities or combination of activities that differ from those pursued by other students. As such, the center becomes an individualized approach to the promotion of the topic.

Skill Centers Skill centers are typically used at the elementary level, more so than at the secondary level. Students may work on math facts, phonics elements, or other tasks requiring memorization and/or repetition.

Interest and Exploratory Centers: Interest and exploratory centers differ from enrichment and skill development centers in that they are designed to capitalize on the interests of students. They may not necessarily match the content of the textbook or the curriculum; instead they provide students with hands-on experiences they can pursue at their own pace and level of curiosity. These types of centers can be set up throughout the classroom, with students engaging in their own selection of activities during free time, upon arrival in the morning, as a “free-choice” activity during the day, or just prior to dismissal. These centers allow students to engage in meaningful discoveries that match their individual interests.

Programmed Learning

The way a teaching machine works is: It asks you a question. If you give the right answer, it goes on to the next question. If you give the wrong answer, it tells you why the answer is wrong and tells you to go back and try again. This is called "programmed learning". 

Programmed learning, educational technique characterized by self-paced, self-administered instruction presented in logical sequence and with much repetition of concepts. Programmed learning received its major impetus from the work done in the mid-1950s by the American behavioral psychologist B.F.

Exploratory Learning (Singapore Field Trips)

The Choice Theory Culture:

Is an expected way of being or living

Encourages positive choices which lead to healthy relationships

Is relationship based and collaborative

Is not about controlling behavior, rather promoting personal responsibility

Carol Dweck's Growth Mindset Theory

Growth Mindset: “In a growth mindset, people believe that their most basic abilities can be developed through dedication and hard work—brains and talent are just the starting point. This view creates a love of learning and a resilience that is essential for great accomplishment. With a growth mindset, students continually work to improve their skills, leading to greater growth and ultimately, success. The key is to get students to tune into that growth mindset.

Dweck writes, “In the fixed mindset, everything is about the outcome. If you fail—or if you’re not the best—it’s all been wasted. The growth mindset allows people to value what they’re doing regardless of the outcome. They’re tackling problems, charting new courses, working on important issues. Maybe they haven’t found the cure for cancer, but the search was deeply meaningful,” (Dweck, 2015).

Poker as Intro to Portfolio Building

Famous Fund Managers who played Poker 

Steven A. Cohen (born June 11, 1956) is an American hedge fund manager and owner of the New York Mets of Major League Baseball since September 14, 2020, owning roughly 97.2% of the team. He is the founder of hedge fund Point72 Asset Management and now-closed S.A.C. Capital Advisors, both based in Stamford, Connecticut. Cohen grew up in Great Neck, New York, where his father was a dress manufacturer in Manhattan's garment district, and his mother was a piano teacher. He is the third of seven brothers and sisters. He took a liking to poker as a high school student, often betting his own money in tournaments, and credits the game with teaching him "how to take risks." Cohen graduated from John L. Miller Great Neck North High School in 1974, where he played on the school's soccer team. Cohen received an economics degree from the Wharton School at the University of Pennsylvania in 1978. While in school, Cohen was initiated as a brother of Zeta Beta Tau fraternity's Theta chapter where he served as treasurer. While in school, a friend helped him open a brokerage account with $1,000 of his tuition money.

Carl Icahn is one of the most recognisable and successful investors in the world, having far outperformed the market on an annualised basis since 1968; at a rate which, by some measures, has him ahead of Warren Buffett. Carl Icahn was born on the 16th February 1936 in Queens, New York. It was a beach neighbourhood and a poor area. His mother was a pianist, but dropped her dreams of pursuing it as a career and instead chose a more stable job as a school teacher. His father also became a substitute teacher. As you may expect with both parents involved in education, Carl was extremely studious. At high school, he didn’t involve himself in many activities such as sports and clubs, instead he had set himself the big goal of making it to an Ivy League university; something most people in his area had no chance of doing. His teacher didn’t even think it was worth him applying, but this made him even more determined to be different. He had a mind-set that he wanted to be the best at everything. Icahn’s parents said they would only pay for university if he got into one of the top Ivy League universities. Although no one thought he stood a chance, he managed to enrol at Princeton University and studied philosophy as his major. His parents fulfilled their promise and paid for his Princeton fees but couldn’t stretch to anything else such as his accommodation or food. Instead, Carl got himself a summer job at a Cabana club in his neighbourhood to fund his living costs. It was at the Cabana club that he learnt how to play poker and joined in the games regularly. He says at the start he didn’t know how to play, but then he read 3 poker books in 2 weeks and became the best player there, taking home huge winning each summer. He says: “To me, it was a big game, big stakes. Every summer I won about $2,000, which was like $50,000 back in the ‘50s”

Brain Training: How Regular Poker Play Could Help Soccer Stars Succeed: An athlete’s brain is their most vital organ. It controls how the body functions, and it needs to be cultivated and disciplined just like the muscles do. Those in the industry are constantly searching for new ways to help soccer players get their heads in the game, and it turns out that poker can help immensely. By sharpening cognitive function, increasing social awareness, and improving mental endurance, poker enables athletes to rise to the occasion for peak performance on the field.

Conflict Prevention & Reconstruction Unit Psychology

Reintegration of child soldiers should emphasize three components: family reunification, psychosocial support and education, and economic opportunity. Family reunification—or, where that is not possible, foster placement or support for independent living—is crucial to successful reintegration.

Children are reintegrated into community life through the provision of psychosocial support, life skills classes and basic vocational training. At the end of the program, participants are provided with small grants to start businesses.

Post-traumatic growth (PTG) is a theory that explains this kind of transformation following trauma. It was developed by psychologists Richard Tedeschi, PhD, and Lawrence Calhoun, PhD, in the mid-1990s, and holds that people who endure psychological struggle following adversity can often see positive growth afterward. Post-traumatic growth often happens naturally, Tedeschi says, but it can be facilitated in five ways: through education (rethinking ourselves, our world, and our future), emotional regulation (managing our negative emotions and reflecting on successes and possibilities), disclosure (articulating what is happening and its effects), narrative development (shaping the story of a trauma and deriving hope from famous stories of crucible leadership), and service (finding work that benefits others).

People who have experienced posttraumatic growth report changes in the following 5 factors: Appreciation of life; Relating to others; Personal strength; New possibilities; and Spiritual, existential or philosophical changes

Although posttraumatic growth often happens naturally, without psychotherapy or other formal intervention, it can be facilitated in five ways: through education, emotional regulation, disclosure, narrative development, and service.

Forgeard found that the form of cognitive processing was critical in explaining growth after trauma. Intrusive forms of rumination caused a decline in multiple areas of growth, whereas deliberate rumination led to an increase in five domains of posttraumatic growth. Deliberate rumination involves perceiving multilateral sides of the stressful experience including value, meaning, and significance (Calhoun et al., 2000; Cann et al., 2011), and may also decrease the discrepancy between global and situational meanings, as it promote finding meaning. Trauma-focused cognitive behavioral therapy (TF-CBT) & Compassion-focused therapy (CFT) is a recommended psychotherapy

The two psychological traits which indicate a higher likelihood of experiencing post-traumatic growth are openness to experience and extraversion. Novelty seeking is positively associated with the Big Five personality trait of "extraversion," and to a lesser extent “openness to experience,” but is inversely associated with "conscientiousness." Online poker players are high sensation seekers who gamble to experience strong feelings and arousal, whereas impulsivity plays an important role in developing and maintaining pathological gambling.

CORPORATE SPONSOR: BETA-ARBITRAGE M & A EXAM

Poker Contest: Bankroll Budget*

Math Contest: Linear Algebra Contest, Probability and Ratios

Investment Management Contest: Decentralized Portfolio Building Simulation

Latin and Mandarin Technical Analysis Settings Fair: Year-Long Competition 

Blues Ocean Strategy Game Theory Network Mergers & Acquisitions Contest: Macau Game Theory - The course includes modules in areas such as: Essentials of M&A, Due diligence training, Business valuation training, post-merger integration planning

Machine Learning Contest: Quantitative Aptitude 

Winners Get a Full Ride to Internships (Licenes Courses I'm Gonna Make with Established Schools and Banks) Freshman Class is made of the contest winners: Mergers & Acquisitions Generalization with Corporate Sponsor; Understanding Capital Markets, Game Theory, Investment Model & Analysis, Quantitative Aptitude, Hedging Techniques, Foreign Language, Business Engineering, Business Models & Reengineering, Offshore Law, Blue Ocean Strategy, Investment Management with Python (Machine Learning)

Ages: 10, 12, 14, 17, 18, 20

SOCIOECONOMIC STATUS DEVELOPMENT CENTRES

Socioeconomic status is the social standing or class of an individual or group. It is often measured as a combination of education, income, and occupation.

EdTech

 Business Model: Grants, corporate sponsorships, and recruiting business FutureLearn is another MOOC heavyweight with 210+ partners that include universities, humanitarian foundations, and large businesses. Some startups even rely on corporate sponsorship as their main business model

Generalist Education

VAMMMBRGC: Volleyball, Acting, Modelling, Music, Martial Arts, Ballet (Female), Rings Gymnastics (Male), Graffiti (Art), Cooking (Gastronomy)

STEM: Science, Technology, Engineering, Mathematics

M&A: Merger, Acquasitions

Welfare Investment Program 

Fund through Rental Properties: Bond Funds, REITs

Credit Building Program: Line of Credit Deposit Program

Job Placement for Agriculture Working Class

Agricultural Industry means an industrial activity involving the processing, cleaning, packing or storage of the results from agricultural production. The working class (or labouring class) comprises those engaged in manual-labour occupations or industrial work, who are remunerated via waged or salaried contracts. Working-class occupations (see also "Designation of workers by collar colour") include blue-collar jobs, and most pink-collar jobs. Members of the working class rely exclusively upon earnings from wage labour; thus, according to more inclusive definitions, the category can include almost all of the working population of industrialized economies, as well as those employed in the urban areas (cities, towns, villages) of non-industrialized economies or in the rural workforce.

As with many terms describing social class, working class is defined and used in many different ways. The most general definition, used by many socialists, is that the working class includes all those who have nothing to sell but their labour. These people used to be referred to as the proletariat. In that sense, the working class today includes both white and blue-collar workers, manual and menial workers of all types, excluding only individuals who derive their livelihood from business ownership and the labour of others. The term, which is primarily used to evoke images of laborers suffering "class disadvantage in spite of their individual effort," can also have racial connotations. These racial connotations imply diverse themes of poverty that imply whether one is deserving of aid.

COMMODITIES REAL ESTATE

Insurance Premium, Financial Electronic Data Interchange, Royalties, Lease, & Gross Sale Payments for Restaurant Clientele Grocery Stores and Delivery Food Courts:

A lease payment is the equivalent of the monthly rent, which is formally dictated under a contract between two parties, granting one participant the legal right to use the other individual's real estate holdings, manufacturing equipment, computers, software, or other fixed assets, for a specified amount of time.

Gross sales refer to the grand total of all sales transactions over a given time period. This doesn't include the cost-of-sales or deductions (like returns or allowance). To calculate a company's gross sales, add up the total sales revenue for a specified period of time—monthly, quarterly, or annually. 

A franchise (or franchising) is a method of distributing products or services involving a franchisor, who establishes the brand's trademark or trade name and a business system, and a franchisee, who pays a royalty and often an initial fee for the right to do business under the franchisor's name and system. Royalties is the amount someone pays you to use your property, after you subtract the expenses you have for the property.

CONFLUENCE FOREX & COMMODITIES BETA-ARBITRAGE FORMULA

Trading Psychology: Play Defense, Focus on preserving capital instead of gaining capital

Position Trading: Currency being used, Shorting Low-Interest Currency against High-Value Currency Or Currency Being used, Shorting Low Interest/High-Value Currency against High-Interest Currency. Examples: Carry-Roll Down Bonds, CFD Forex Gold

Swing Trading: Use mt4/mt5 With Heiken Ashi Charts, Setting at 14 or 21 Momentum Indicator above 0 as Divergence Oscillator and VSA as Reversal Oscillator and Trade when bullish candlesticks above 200 exponential moving average and/or 20 exponential moving average (EMA) on H1 (Hourly) Time Frame; use H4 (4 Hours) and D1 (1 Day) as reference. Works for Oil & Gold Commodities

Master Supply and Demand (S&D) Zones (banks use this)

Candlestick Patterns for Momentum: Bearish Engulfing, Hanging Man, Shooting Star Three Crows, Evening Star, (Short). Bullish Engulfing, The Bearish Inverted Hammer or Regular Hammer (Regardless of Colour), Morning Star, and Piercing Line (Long) are extremely Important

Candlestick Patterns for VSA When Volume Spikes Down and Price is Up Bearish: Shooting Star, Doji, Hanging Man, Doji-Star

Candlestick Patterns for VSA When Volume Spikes Up and Price is Down Bullish: Hammer, Inverted Hammer, Doji, Doji-Star

S&D Reversal Patterns: The Drop-Base-Rally is a bullish reversal pattern, The Rally-Base-Drop is a bearish reversal pattern

S&D Continuation patterns: The Rally-Base-Rally is a bullish continuation pattern, The Drop-Base-Rally is a bearish continuation pattern

Swing Trading Time Frame H1 (Hourly) Reference D1 and H4 to locate supply and demand zones Pivot Points and VSA

Heiken Ashi Candlesticks Much easier to read candlestick charts and analyze market trends

Using Pivot Points for Prediction A pivot point is a technical analysis indicator, or calculations, used to determine the overall trend of the market over different time frames Works for commodities

Exponential Moving Average (EMA) 200 Day 20 Day

Momentum Indicator Settings 14 or 21

Volume Spread Analysis (VSA Trading) Entry 4 Steps: Identify the trend, Identify the sign of weakness in an existing uptrend, Wait to test the weakness for confirmation for the continuation of the uptrend, Look for any bullish reversal candlestick pattern for entry.

Relative Strength Index (RSI) Relative Strength Index (RSI) is a momentum indicator. It is a single line ranging from 0 to 100 which indicates when the stock is overbought or oversold in the market. If the reading is above 70, it indicates an overbought market and if the reading is below 30, it is an oversold market. RSI is also used to estimate the trend of the market, if RSI is above 50, the market is an uptrend and if the RSI is below 50, the market is a downtrend.

Commodity Channel Index Commodity Channel Index identifies new trends in the market. It has values of 0, +100, and -100. If the value is positive, it indicates uptrend, if the CCI is negative, it indicates that the market is in the downtrend. CCI is coupled with RSI to obtain information about overbought and oversold stocks.

What is Cash-and-Carry-Arbitrage? Cash-and-carry-arbitrage is a market-neutral strategy combining the purchase of a long position in an asset such as a stock or commodity, and the sale (short) of a position in a futures contract on that same underlying asset. A cash-secured put is an income options strategy that involves writing a put option on a stock or ETF and simultaneously putting aside the capital to buy the stock if you are assigned.

What are Gold CFD? A contract for difference (CFD) is a popular type of derivative that allows you to trade on margin, providing you with greater exposure to the gold market. Instead of purchasing gold itself, you buy or sell units for a given financial instrument depending on whether you think the underlying price will rise or fall.

What is Quanto Option? The Quanto option is a cash-settled, cross-currency derivative in which the underlying asset has a payoff in one country, but the payoff is converted to another currency in which the option is settled.

Hedging Strategies: Forex and Commodities CFD, Crude Oil Cash-secured Put Options (Binary Options)

TURF ACCOUNTANT

Beta-Arbitrage (PROFITS FOR BOOKMAKER)

+EV (Investment)

Live Betting (Balance Sheets)

BRANCH BRACKET DISCOUNTED CASH FLOW PORTFOLIO BET SLIP

+EV Round Robin instead of WACC Portfolio

$5 Units

GAME THEORY OPTIMAL POKER WITH LOOSE AGGRESSIVE & GROWTH INVESTING

Growth Investing Strategy & Game Theory

Japanese Candlestick Charts: Bullish Engulfing

Discounted Cash Flow Model: EV (Expected Value replaces WACC)

Mixed Strategy 

Fold Equity 

Community Cards

Companies Charts and Historical Financials

Royal Flush

Straight Flush

4 of a Kind

Full House

Flush

Hands

FCF of Companies

Strategy

Every chart starts with a green candlestick

Depending on your hand the second candlestick is either green or red

Green for the top 5 hands: Listed above

Red for the bottom 5 hands

If it's green invest by betting

If it's red fold

The third candlestick depends on the Flop

The fourth candlestick depends on The Turn 

As more money gets betted the Green candlestick gets larger

After The Flop risk-assessment and probability needs to be accounted for

After The Flop, The Turn, and The River it is possible for a red candlestick to appear because of a fold or a better hand because you lost money. Judge how much money you lost by the size of the candlesticks growth

Tony Dunst Tips

Learn to think in Big Blinds, Opponents are Effective Big Blinds 

Identify Player Types then Adjust

Study Big Blind Defense Frequency (Hand Ranges)

Work on Bubble and Final Table Play (Independent Chip Model)

Build 3 Betting Ranges

AFRO-MEDITERRANEAN SOCIOECONOMIC STATUS VOLLEYBALL SPORTS PERFORMANCE FOR KINAESTHETIC LEARNERS

Volleyball Physiological Age System for Both Genders: Plyometric High-Intensity Interval Training Through Cross Training, Wingspan Through Cross Training, Unstable Surface Muscle Recruitment Contrast Training, Isometric-Plyometric-Sprint-or-Vertical Jump Contrast Conditioning, Intermittent Hypoxic Training (IHT) Weighted Jump Rope Respiratory Conditioning, Functional Threshold Power (FTP) Cycling, Fascia and Central Pattern Generator Skill Development, Stretch-Reflex Elastic Strength Training, Running-Based Anaerobic Sprint Test (RAST), Stimulus-Fatigue-Recovery-Adaptation for Supercompensation, Autophagy Recovery, High Fat and High Carb with Lipolysis Supplement Nutrition: 3 Fuels of Energy in Oxygen, Fat, and Glucose, Convert Hybrid Muscle Fibers

Stretch Goal of Having a Physiological Age of 25

Volleyball is an aerobic sport with additional anaerobic demands. This will require volleyball players to work both energy systems, making cardiorespiratory conditioning very important. The aerobic, or lower intensity training, will help build a strong cardio base that is needed for a long match. A study done on college athletes showed that gymnasts and volleyball players had significantly higher bone mineral density than swimmers, which is considered a low-impact sport.

Collagen Athletes: Researchers found that a year of daily collagen peptides supplementation measurably increased bone mineral density in the lumbar spine and in the upper femur. The women also had higher levels of a blood biomarker that indicates bone formation. Collagen provides resistance to tension and stretch, which commonly occur in fascial tissues, such as ligaments, tendons, sheaths, muscular fascia and deeper fascial sub-layers. Julio Jones and Cam Newton do Fascia Beach Workouts https://www.youtube.com/watch?v=Unm5dvlcqL4

Offensive Systems 5-1 System Rotation 1: Setter Starts in Right Back, Rotation Offense to Middle Front, Run One Man or Two Man Routes, Call out Formations

Defensive Systems Middle Back Systems: The Set is important to determine if there’s enough time for one man, two man, or three man block. Shots to Plan for: Dink, Off-speed, and Angle. Setting Blocks: Mix Sequencing of Jump Two Man and Three Man Back

Anta Sports Fashion Collab Circuits (Graffiti Beachwear Fashion Week and Trade Show): Key City Tournaments

Planned Pregnancy: Mercury-Venus Cusp, MSTN Gene, ACTN3 Gene, and XYY Syndrome or Triple X Syndrome

CARTEL THEORY

HSBC Bank Holding Company Equity Financing

What Is a Bank Holding Company? A bank holding company is a corporation that owns a controlling interest in one or more banks but does not itself offer banking services. Holding companies do not run the day-to-day operations of the banks they own. However, they exercise control over management and company policies. They can hire and fire managers, set and evaluate strategies, and monitor the performance of subsidiaries’ businesses.

What Is Equity Financing? Equity financing is the process of raising capital through the sale of shares. Companies raise money because they might have a short-term need to pay bills or have a long-term goal and require funds to invest in their growth. By selling shares, a company is effectively selling ownership in their company in return for cash. Equity financing comes from many sources: for example, an entrepreneur's friends and family, investors, or an initial public offering (IPO). An IPO is a process that private companies undergo to offer shares of their business to the public in a new stock issuance. Public share issuance allows a company to raise capital from public investors. 

Palmiers Noirs Rivals

United Kingdom

Jews

Luxembourg (EU Blacklist Creator)

Latin Kings

Sinaloa Cartel

Sonora Cartel

Colombian Cartels

Neymar

Banker Title

Croupier Comptable: An investment banker who has experienced decadence through Casino Capitalism 

Palmiers Noirs Structure

Clandestine Cell System

A clandestine cell system is a method for organizing a group of people (such as resistance fighters, sleeper agents, mobsters, or terrorists) such that such people can more effectively resist penetration by an opposing organization (such as law enforcement or military units).

In a cell structure, each of the small group of people in the cell know the identities of the people only in their own cell. Thus any cell member who is apprehended and interrogated (or who is a mole) will not likely know the identities of the higher-ranking individuals in the organization.

The structure of a clandestine cell system can range from a strict hierarchy to an extremely distributed organization, depending on the group's ideology, its operational area, the communications technologies available, and the nature of the mission.

Criminal organizations, undercover operations, and unconventional warfare units led by special forces may also use this sort of organizational structure.

Infrastructure cells

Any clandestine or covert service, especially a non-national one, needs a variety of technical and administrative functions, such as: Recruitment/training, Forged documents/counterfeit currency, Finance/Fundraising, Communications, Transportation/Logistics, Safehouses, Reconnaissance/Counter-surveillance, Operational planning, Arms and ammunition, and Psychological operations

A national intelligence service has a support organization to deal with services like finance, logistics, facilities (e.g., safehouses), information technology, communications, training, weapons and explosives, medical services, etc. Transportation alone is a huge function, including the need to buy tickets without drawing suspicion, and, where appropriate, using private vehicles. Finance includes the need to transfer money without coming to the attention of financial security organizations.

Cartel Definition

Cartel is an ambiguous concept, which usually refers to a combination or agreement between rivals, but – derived from this – also designates organized crime. The main use of ‘cartel’ is that of an anticompetitive association in the economy. 

Price cartels engage in price fixing, normally to raise prices for a commodity above the competitive price level.

Cartel Theory

Cartel theory is usually understood as the doctrine of economic cartels. However, since the concept of 'cartel' does not have to be limited to the field of the economy, doctrines on non-economic cartels are conceivable in principle. Such exist already in the form of the state cartel theory and the cartel party theory. For the pre-modern cartels, which existed as rules for tournaments, duels and court games or in the form of inter-state fairness agreements, there was no scientific theory. Such has developed since the 1880s for the scope of the economy, driven by the need to understand and classify the mass emergence of entrepreneurial cartels. Within the economic cartel theory, one can distinguish a classical and a modern phase. The break between the two was set through the enforcement of a general cartel ban after the Second World War by the US government.

Constituent characteristics and exclusion criteria for cartels

Constituent criteria for cartels would be the following: The members are, at the same time, partners as well as competitors (so do e.g. enterprises, states, parties, duelists, tournament knights).  These members can be individual persons or organizations. The members of a cartel are independent of each other, negotiating their interests with each other and against each other. So there have to be at least two participants and they determine their interests autonomously. The members of a cartel know each other; they have a direct relationship, in particular they communicate with each other.

Exclusion criteria for cartels would be the following: There is a "hierarchical" or other strong "dependency relationship among the participants": a drug mafia that is organized hierarchically and managed by a single boss can't be a drug cartel in the sense of a real "cartel". KLikewise, a business corporation can't be a "cartel" due to its central management, which controls its subsidiaries. Furthermore, an OPEC, in which all adherents would be dependent on the largest member (since long: Saudi Arabia) would no longer be a "cartel". Similarly, colonial empires from a motherland and colonies do not constitute a "state cartel". The union of competitors, in their entirety or via important members of its association, is dependent on an outside power. A strict, state-mandated compulsory cartel without freedom of choice between the partners would not be a (real) cartel. A suitable example is the "Deutsche Wagenbau-Vereinigung" (German Railway Cars Association), which was organized in the 1920s by the "Deutsche Reichsbahn" (German Imperial Railways) – its "market opponent". The combination takes place between actors of different levels. Thus, the concerted actions of employers’ associations and trade unions in some industrialized countries was not a cartel, because the allies there were no homogenous competitors. The alleged members of a suspected cartel do not know each other, but only randomly show a parallel behavior: “Cartels of the godless”, “cartels of maintenance deniers” or “silent cartels” are therefore usually no real cartels, but pure verbal abuse formulas.

MACAU ECONOMICS

Science

Science of Aesthetics

Nutritional Biochemistry

Vertical-Rotational Force Kinetic Chain

Biomechanics

Sports Medicine

Technology

Biotechnology

FinTeach

RealTeach

Merger & Acquisition EdTech

Engineering

Business Engineering (Tribes Organism and Keynesian Macroeconomics)

Construction Management

Business Model Reengineering

Mathematics (Decentralized Central Banking)

Investment Management

Monetary Policy & Central Banking

Wolf Packs are Generalist

David Epstein examined the world’s most successful athletes, artists, musicians, inventors, forecasters and scientists. He discovered that in most fields—especially those that are complex and unpredictable—generalists, not specialists, are primed to excel. Generalists often find their path late, and they juggle many interests rather than focusing on one. They’re also more creative, more agile, and able to make connections their more specialized peers can’t see.

Wolves are habitat “generalists,” meaning they can adapt to living in many kinds of habitat. They basically need two things to thrive: abundant prey and human tolerance.

Trophic Cascade, an ecological phenomenon triggered by the addition or removal of top predators and involving reciprocal changes in the relative populations of predator and prey through a food chain, which often results in dramatic changes in ecosystem structure and nutrient cycling. (Trillwave in Macau)

A keystone species is an organism that helps define an entire ecosystem. Without its keystone species, the ecosystem would be dramatically different or cease to exist altogether. Keystone species have low functional redundancy. (Trillwave in Macau)

Unpredictable and harsh conditions tend to produce fast life history strategies, characterized by early maturation, a higher number of sexual partners to whom one is less attached, and less parenting of offspring.

BLUE OCEAN STRATEGY BY RENÉE MAUBORGNE AND W. CHAN KIM (COURTESY OF BLINKIST)

What’s in it for me? Conquer uncontested market space.

Every business asks themselves the same question: how can we beat out the competition? And almost every business comes up with the same answer: we need to become bigger, better, and faster to outperform our rivals.

But what if your business didn’t have to beat the competition because there wasn’t any? What if you could enjoy unlimited growth without worrying about limited demand? This isn’t some idle fantasy but a strategic approach that a handful of successful businesses have already made reality. How did they do it? And how can your business do the same? This short Blink will give you a taste.

Escape your competition by setting sail to a blue ocean.

When you establish a new business, competition can be brutal. Whether you’re selling wine, audio books, or life insurance, the market for a product can only get so big. So you’re left to fight with hundreds of other companies for your share of a limited demand. No surprise that America’s most popular business TV show is called Shark Tank! Markets today are like oceans, swarming with hungry companies ready to kill each other. There’s so much blood in the water, we can call these markets red oceans. 

But every once in a while, a company emerges that seems to sail past all the competition. These are businesses that rise fast, grow uncontested, and seem to play by their own rules. What are they doing differently?

Well, instead of fighting over scraps in red oceans, these businesses navigate uncharted territory: blue oceans. You can think of blue oceans as all the markets we haven’t yet discovered, for products and services that don’t yet exist. Demand isn’t limited because demand isn’t there – it has to be created. But this isn’t a handicap, it’s an opportunity. Because if the size of your market isn’t limited, neither are your growth and profits.

In blue oceans, the water isn’t bloodied by cut-throat competition. It’s deep, clear, and full of undiscovered potential. The blue ocean strategy gives you the methodology and tools to conquer such uncontested markets. The basic tenet is this: It’s true that the space in a certain industry might be limited. But who’s to say that a business can’t create an entirely new industry?

Let’s look at an example of this in action: famous Canadian circus company Cirque du Soleil. With its extraordinary variety shows, Cirque du Soleil has entertained millions of people worldwide. On top of that, it’s made record profits. Not something you would expect from a circus company! How did the company do it?

Well, Cirque du Soleil did two interesting things. First, it got rid of the old circus staple of animal acts. Then, it supplemented its human acts with live music and compelling storylines. The first move reduced costs while the second introduced exciting new elements into the world of circus. In effect, Cirque du Soleil created a blue ocean: it carved out an entirely new market for artistic theater experiences. And people love it.

Lower your costs and differentiate yourself.

Perhaps you find the example of a circus company a bit too eclectic? No problem. There are thousands of other businesses that have successfully implemented a blue ocean strategy. Companies like Ford, Nintendo, Netflix, Nespresso, Yellow Tail, Southwest Airlines, and even The Body Shop. In this section, we’ll take a closer look at how they succeeded.

But first, a few more words about red oceans. In red oceans – industries that are already established – everyone plays by agreed rules. Not so long ago, these rules might have looked something like this: “Movies can be bought or rented.” “Wine needs to have an air of sophistication.” “Air travel is expensive.” But in blue oceans, none of these rules apply. Blue oceans are actively shaped by the actions of the industry players who create them.

Let’s be clear – you don’t need to reinvent the wheel to establish a blue ocean. Often, a few little tweaks are enough to set a product apart from its competitors and create a new market. It’s really quite simple: Take a close look at your industry as it is right now. Then think about which factors you can Raise, Eliminate, Reduce, and Create. Let’s go through these points step-by-step with examples.

Raise. Think about how you can elevate the product quality, price point, or service standards of your industry. Southwest Airlines did this when it became the first US airline to make domestic flights quick, easy, and affordable for everyone.

Eliminate. Consider which aspects of your product or service can be cut completely. Remember how Cirque du Soleil got rid of costly and unethical animal acts? Every industry has some outdated practice they’d be better off abandoning.

Reduce. Look at which production processes, product features or service offers you can reduce. Australian wine brand Yellow Tail, for instance, decided to reduce its focus on prestigious vineyards and the aging process in favor of affordable wines with broad appeal.

Create. Brainstorm what new features you can offer your customers. Netflix is a premium example of this that barely needs an explanation: it was the first company to offer on-demand streaming for movies and TV shows.

Ideally, considering these questions will help you do two things: lower your costs and differentiate your business from the competition. And that’s really all you need to create a blue ocean. Even more so, if your company keeps addressing these four factors – that’s raise, eliminate, reduce, and create –, it will stay one step ahead of the competition at all times.

Final summary

In this short Blink, you’ve learned about the difference between red and blue oceans. Rather than competing for limited market space, successful businesses often capture new markets with unlimited potential. They’re discovered by raising, eliminating, reducing, and creating industry factors in a way that lowers costs and sets your business apart from the competition.

RANGE BY DAVID EPSTEIN (COURTESY OF BLINKIST)

What’s in it for me? Learn why taking a wide-ranging approach to life will pay off.

In our complex and cutthroat world, there’s a lot of pressure to get a head start and specialize early. Many successful people, such as Tiger Woods, start to focus on one path early in life. But delve a little deeper, and it becomes clear that it’s generalists, not specialists, who are primed to excel.

Generalists may take a little longer to find their path in life, but they are more creative, can make connections between diverse fields that specialists cannot. This makes them more innovative and, ultimately, more impactful.

Drawing on examples from medicine to academia to sport, these blinks explore how breadth and range are far more powerful than specialized expertise. They also show that experts often judge their own fields more narrowly than open-minded, intellectually curious amateurs do.

In these blinks, you’ll learn; what comic books have to tell us about the ingredients of success, how the complexity of modern life has changed the way we think, and why you should be a Roger; not a Tiger.

Starting early and specializing is fashionable, but has dubious merit.

At the age of ten months old, Tiger Woods picked up his first miniature golf club. At two, he showed off his golf drive on national television. Later that same year, he entered and won his first tournament in the under ten category. Tiger Woods embodies a now popular idea that the key to success in life is to specialize, get a head start and practice intensively.

This trend toward specialization doesn’t only show up in the sports world. In fact, it’s also true of academia, our complex financial system and medicine. Oncologists, for example, now rarely focus on cancer alone. Rather, they specialize in cancer of a particular organ. The writer and surgeon Atul Gawande notes that when doctors joke about right-ear surgeons, we shouldn’t be so quick to assume they don’t actually exist.

But is specializing really the way to go? Simply put, no. In many walks of life, building up experience in just one field doesn’t help performance. In a 2009 paper, psychologists Daniel Kahneman and Gary Klein explored the connection between experience and performance.

Klein shows that experience counts in certain fields. For firefighters, for example, years of focused experience trains them to recognize patterns in the behavior of flames, which enables them to make 80 percent of their on-the-job decisions instinctively in seconds.

But Kahneman found that in other areas, experience counted for nothing. Studying the assessment of officer candidates in the Israeli Defence Forces, he found that recruiters’ predictions of a recruit’s future performance, based on physical and mental abilities, were no more reliable than guesswork. Crucially, as the recruiters received more and more feedback after multiple recruitment rounds, they didn’t get any better at making predictions. Kahneman concluded that there was a complete disconnect between experience and performance.

Some fields of life resemble golf or firefighting. While not necessarily easy, they offer recurring patterns or simple rules that govern decision-making. But there are many more fields of life, like army recruitment, that are much more nebulous and require the creativity and flexibility that generalization offers.

Experimentation is as reliable a route to expertise as early specialization.

In 2006, a now 31-year-old Tiger Woods watched Roger Federer win the US Open final for the third year in a row. Both were at the peak of their powers. As they sipped champagne together in the locker room afterward, Federer felt he had never connected with someone who understood his feeling of invincibility so well. They became firm friends. But, as Roger later told a biographer, his story was very different from Tiger’s.

Roger’s mom was a tennis coach, but if she ever felt tempted to coach him, she resisted it. As a young boy, he dabbled in squash, skiing, wrestling, skateboarding, basketball, tennis and badminton. Later, he gave credit to this range of sports experience for helping his hand-eye coordination and athleticism.

Over time, he found that he liked sports with balls. He moved toward tennis as a teenager, but not intensively. In fact, when his instructors recognized his talent and tried to move him to a group of older players, he asked to stay in the group with his friends. Roger Federer’s winding path to tennis success points to the fact that sampling, rather than specialization, can often be the best route to eventual success.  

And plenty of evidence across multiple disciplines supports this. This is true even in an area like music, where plenty of outstanding musicians do specialize young. World-renowned cellist Yo-Yo Ma, for instance, started playing music at a very young age. But what many people don’t know is that Ma first tried violin and piano, and only moved to the cello because he didn’t like the first two.

Yo-Yo Ma isn’t alone in this. In a study of students at a British boarding school, music psychologist John Sloboda found that every one of the students who attended structured music lessons early in their development was categorized by the school as “average,” while not one was “exceptional.” In contrast, those children identified as exceptional were those who had tried out three instruments.

So, if you haven’t yet found your calling, experiment. You could take Vincent van Gogh as inspiration. He tried everything from working in bookstores to teaching and art dealing to preaching before finding his calling as an artist who changed painting forever.

Let’s find out how this works.

Living in a complex world has increased the average person’s IQ and ability to think abstractly.

In 1981, James Flynn, a professor of political studies from the beautiful hilly town of Dunedin in New Zealand, changed the way we think about thinking.

Flynn stumbled upon reports of IQ test scores of American troops that showed dramatic improvement between the two World Wars. The same score that placed a World War I soldier in the 50th percentile would only land him in the 22nd percentile of World War II troops. Intrigued, Flynn asked researchers in other countries for data. He received IQ test results from the Netherlands that showed similarly huge leaps from generation to generation. He then compiled data from 14 other nations.

In what’s now known as the Flynn effect, this research reveals an average three-point increase in IQ every decade in over 30 countries. But what causes this rapid rise? The work of a Russian psychologist, Alexander Luria, gives us an idea.

In 1931, the Soviet Union was changing rapidly. Remote, essentially premodern villages operating in ways unchanged for centuries were converted to collective farms with industrialized development, planned production and division of labor.

Luria capitalized on this rate of change to conduct unique studies. In one experiment, he asked villagers to sort wools into groups. In more modern villages, people would happily group similar pieces of wool, like those in different shades of blue. But in the remote, still premodern villages, participants simply refused to do so. According to them, each piece of wool was different – it was an impossible task!

Other questions involving conceptual thinking got a similar response. One villager, named Rakmat, was shown a picture of three adults and one child and asked which person did not belong. But Rakmat didn’t think about the question abstractly, as we would, and identify the child as different. Instead, he insisted that the boy must stay with the adults and help them with their work.

Luria’s findings were clear. The more exposure to modernization, the greater the ability to make conceptual connections between objects or abstract notions. Today, our minds are constantly dealing with abstract concepts. We glance at a download progress bar on our computer, for example, and instantly understand its meaning. Our minds are better at understanding a breadth of topics and making connections between ideas than ever before.

And yet, we continue to narrow our conceptual focus.

If you want it to stick, learning should be slow and hard, not quick and easy.

The teachers you liked the most in your educational career might be the ones who taught you the least. A study of teaching at the US Air Force Academy tracked the progress of thousands of students working with hundreds of different professors, starting with Calculus I classes. It found that the professors whose students’ got better grades on the exam were also highly rated in student evaluations. The professors whose students did not receive good grades received harsher student feedback.

But when the economists conducting the study looked at long-term results, there was a twist. The professors who received positive feedback had a net negative effect on their students in the long run. In contrast, those professors who received worse feedback actually inspired better student performance later on.

Rather than teaching to the test, these professors appeared to be facilitating a deeper understanding of underlying math concepts. It made their classes frustrating and difficult, hence the poor grades and student evaluations. But it paid off in the long run. Those professors were using desirable difficulties – harder, but ultimately more rewarding, ways to learn.

There are certain techniques we can all use that embrace desirable difficulties. One such technique is spacing, which means leaving time between learning something and practicing it. Consider a 1987 study in the Journal of Experimental Psychology. This study separated Spanish students into two groups, testing one group on vocabulary that they had learned the same day, and the other group weeks later. Eight years later, and with no further study in the interim, the two groups were tested again. The results showed that the latter group could remember over 200 percent more words.

Even short-term spacing is effective. In a 1972 study, researchers at Iowa State University read people a series of words. The first group of participants was asked to recite the words straight away. Another group was asked to recite them after being distracted for fifteen seconds by some simple math problems.

The first group did considerably better than the group that was distracted. But later the same day, the participants were asked to write down each word they could recall. This time, the group that previously performed worse did the best. The process of working hard to recall the information in the first instance had helped them move it from short-term to long-term memory.

So, don’t get too excited by quick progress when you learn. Embrace hard, slow learning. It will pay off in the long run.

A narrow focus is unhelpful, and a remedy for this is to think outside the box.

In some environments, dealing with specialists is desirable. If you need an operation, you probably want a doctor who specializes in the procedure and has done it many times before. However, as we benefit from more reflection and thinking, this narrow focus can be unhelpful.

For example, cardiologists use stents – metal tubes that hold blood vessels open – to treat chest pain so often that they often do so reflexively, even in situations that may be dangerous or inappropriate. This explains a 2015 study by Dr. Anupam Jena of Harvard Medical School. The study found that patients with cardiac arrest or heart failure were actually less likely to die if they were admitted to hospital while top cardiologists were away.

Other fields also point to the benefits of looking at problems with an outside view, rather than the inside view dictated by your own particular specialty.

In a study by University of Sydney professor Dan Lovallo, private equity investors were asked to provide a detailed assessment of businesses they were considering investing in, including their estimated return on investment. The investors were then asked to write notes about some other projects with broad similarities, like another tech start-up or an infrastructure project.

It turned out that the investors’ estimates of returns for the businesses they were actually planning to invest in were around 50 percent higher than for those alternative projects they had identified but not looked at in detail. The investors were shocked to discover the differences, and quickly slashed their estimated profit for their original potential investments.

As further psychological research has repeatedly shown, the more details we consider about something, the more extreme our judgments become. In one example, students rated a university higher when told that only certain science departments, rather than all science departments, were ranked in the national top ten.

Clearly, failing to see things from a broad perspective can lead to some bad calls.

A breadth of experience and interest drives innovation.

Comic books can tell us a surprising amount about range and success. When Dartmouth business professor Alva Taylor and Henrik Greve from the Norwegian School of Management decided to examine the impact of individual breadth on creative impact, they chose to study comics.

Tracking the careers of comic creators and the commercial success of thousands of comic books from 1971 onward, they made some predictions about what would boost the average value of a comic. They predicted that the more comics a creator made, the better the comics would be. Further, they thought that the more resources a publisher had, the higher quality and more successful its product would be.

All these assumptions were wrong. Neither experience nor financial resources bred success. What did drive success was the breadth of a comic creator’s experience across comic genres. Of 22 genres, the more a creator had worked in, from comedy to crime, fantasy to non-fiction, the more successful they were. But this link between breadth and success isn’t just the case in creative or artistic worlds.

Andy Ouderkirk, an inventor at the multinational company 3M, was named Innovator of the Year in 2013 and has been named on 170 patents, a proxy for creative success. He became fascinated with what generates successful and inventive teams, so he started to do some research. He found that the inventors who were most likely to succeed within 3M and win the company’s Carlton Award, which recognized innovation, were not specialists. They were polymaths, people with one area of depth, but a great deal of expertise in other areas as well.

These polymaths tended to have many patents in their area of focus, but also repeatedly took expertise gathered in one area and applied it to another. A study of prestigious scientists led by Robert Root Bernstein, a Professor of Psychology at Michigan State University, confirm Ouderkirk’s findings. Comparing Nobel prize-winning scientists to other scientists, the figures show that Nobel laureates are a full 22 times more likely to be an amateur actor, magician, dancer or performer.

So, for any hiring managers out there looking for fresh talent, here’s a plea. Don’t just look for people who fit into your clearly-defined slots. Make some space for those who don’t fit so clearly into any one category. Their breadth of experience might be invaluable.

The experts and pundits that our society listens to are usually hopeless at making predictions.

During 20 years of the Cold War, world-renowned forecasting expert Philip Tetlock collected and assessed the predictions of 284 experts. He concluded that experts are absolutely terrible at making predictions about anything.

Tetlock found that an expert’s years of experience, academic degree and even ability to access classified information made no difference. When experts said that some potential event was impossible, it happened in 15 percent of cases. Events declared to be an absolute sure thing failed to occur 25 percent of the time.

And worryingly for anyone who listens to cable news, Tetlock found that there was a perverse and inverse relationship between fame and accuracy. The more an expert appeared in the news, the more likely they were to be wrong, or as Tetlock famously put it, “roughly as accurate as a dart-throwing chimpanzee.”

One of the problems was that many of the experts’ focus was too narrow. Having spent entire careers studying a single issue – say, US-Soviet relations – they tended to have explicit theories about how it worked. So, what makes a better forecaster of future events? Well, researchers like psychologist Jonathan Baron point to active open-mindedness – a willingness to question your own beliefs. Most of us fail at this, and can’t override our strong instinct to cherry-pick evidence that confirms our existing beliefs.

Consider a study run by Yale professor Dan Kahan. Pro and anti-Brexit voters were first tasked with interpreting a set of statistics about the effectiveness of a skin cream. Most participants completed the task successfully. But when presented with the same numbers framed as the link between crime and immigration, many of the participants misinterpreted the statistics according to their political beliefs. The same study has yielded similar results in the US on the topic of gun control.

So, how exactly can we combat our tendency to stick to our existing beliefs, despite the evidence? Kahan argues that one personality feature is important if we want to stay open-minded and think clearly about the world around us. Instead of scientific knowledge – how much you know – emphasize scientific curiosity – a desire to learn more, willingness to look at new evidence and ability to think with a genuinely open mind.

Now, let’s consider how we can embrace this kind of curiosity.

To be more of a generalist, you need to change your attitude toward learning and success.

See if you can answer this question correctly. Disease X has a prevalence of one in 1,000 people. The test for the disease has a false positive rate of five percent. What is the chance that someone receiving a positive test result has the disease?

If your answer was two percent, or 1.96 to be precise, you got it right. And in doing so, you did better than the 75 percent of physicians and students at Harvard and Boston University who got it wrong. Their most frequent answer was 95 percent.

The problem is straightforward if you know how to think about it. In a sample of 10,000 people, ten will have the disease and get a true positive. Five percent, or 500 people, will get a false positive. So out of the 510 people with a positive result, only 10, or 1.96% are ill. Sadly, many students aren’t taught to think openly about such problems. And this, according to Arturo Casadevall –  a star in the world of microbiology and immunology – has to change.

In a new role at the Johns Hopkins Bloomberg School of Public Health, Casadevall is developing programs focused on an interdisciplinary understanding of topics such as philosophy, ethics, statistics and logic. One course, called “How do we Know What is True,” examines different types of evidence in various academic disciplines. “Anatomy of Scientific Error” encourages students to hunt for signs of misconduct or poor methodology in scientific research.

Casadevall hopes that, with a more rigorous grounding in reasoning and multidisciplinary thinking, students will be better prepared to make a real impact on our economy and society.

Of course, not all of us hold senior academic positions like Casadevall. What can we do to expand our range? Well, one thing is to embrace failure. Dean Keith Simonton, a creativity researcher, has shown that the more work creators produce, the more failures they produce, but they are also more likely to produce a superstar success. Thomas Edison, for instance, held over 1,000 patents, many of which were ultimately failures. But his successes, like the light bulb, were revolutionary.

Treading a wide-roaming, disorderly path of experimentation may not always bring instant results. But it may just be the best route to greatness in the end.

Final summary

The key message in these blinks: Embracing range, experimentation and breadth of experience is often a better road to success than specialization. Range demands patience, open-mindedness and scientific curiosity. If we can foster and exemplify these, the chances that we will generate major innovations and contribute significantly to our economy and society increase.

THINKING IN BETS BY ANNIE DUKES (COURTESY OF BLINKIST) CROUPIER COMPTABLE PSYCHOLOGY

Human minds tend to confuse decisions with their outcomes, which makes it hard to see mistakes clearly.

Super Bowl XLIX ended in controversy. With 26 seconds left in the game, everyone expected Seattle Seahawks coach Pete Carroll to tell his quarterback, Russell Wilson, to hand the ball off. Instead, he told Wilson to pass. The ball was intercepted, the Seahawks lost the Super Bowl, and, by the next day, public opinion about Carroll had turned nasty. The headline in the Seattle Times read: “Seahawks Lost Because of the Worst Call in Super Bowl History”!

But it wasn’t really Carroll’s decision that was being judged. Given the circumstances, it was actually a fairly reasonable call. It was the fact that it didn’t work.

Poker players call this tendency to confuse the quality of a decision with the quality of its outcome resulting, and it’s a dangerous tendency.

A bad decision can lead to a good outcome, after all, and good decisions can lead to bad outcomes

In fact, decisions are rarely 100 percent right or wrong. Our decision-making is like poker players’ bets. We bet on future outcomes based on what we believe is most likely to occur.

So why not look at it this way? If our decisions are bets, we can start to let go of the idea that we’re 100 percent “right” or “wrong," and start to say, “I’m not sure.” This opens us up to thinking in terms of probability, which is far more useful.Volunteering at a charity poker tournament, the author once explained to the crowd that player A’s cards would win 76 percent of the time, giving the other player a 24 percent chance to win. When player B won, a spectator yelled out that she’d been wrong. But, she explained, she’d said that player B’s hand would win 24 percent of the time. She wasn’t wrong. It was just that the actual outcome fell within that 24 percent margin.

If we want to seek out truth, we have to work around our hardwired tendency to believe what we hear.

We all want to make good decisions. But saying, “I believe X to be the best option” first requires good-quality beliefs. Good-quality beliefs are ideas about X that are informed and well thought-out. But we can’t expect to form good-quality beliefs with lazy thinking. Instead, we have to be willing to do some work in the form of truth-seeking. That means we have to strive for truth and objectivity, even when something doesn’t align with the beliefs we hold.

Focusing on accuracy and acknowledging uncertainty is a lot more like truth-seeking, which gets us beyond our resistance to new information and gives us something better on which to bet.

We can learn a lot from outcomes, but it’s difficult to know which have something to teach us.

The best way to learn is often by reviewing our mistakes. Likewise, if we want to improve our future outcomes, we’ll have to do some outcome fielding. Outcome fielding is looking at outcomes to see what we can learn from them.

To become more objective about outcomes, we need to change our habits.

Habits work in neurological loops that have three parts: cue, routine and reward. As Pulitzer-prize-winning reporter Charles Duhigg points out in his book The Power of Habit, the key to changing a habit is to work with this structure, leaving the cue and reward alone but changing the routine.

We can improve our decision-making by being part of a group, but it needs to be the right kind of group.

We’ve all got blind spots, which makes truth-seeking hard. But it’s a little easier when we enlist the help of a group. After all, others can often pick out our errors more easily than we can.

But to be effective, a group dedicated to examining decisions isn’t like any other. It has to have a clear focus, a commitment to objectivity and open-mindedness, and a clear charter that all members understand.

In a decision-examining group committed to objective accuracy, this kind of change is self-reinforcing. Increasing objectivity leads to approval within the group, which then motivates us to strive for ever-greater accuracy by harnessing the deep-seated need for group approval that we all share.

To work together productively, a group needs CUDOS.

Shared commitment and clear guidelines help define a good-quality decision-examining group. But once you’ve got that group, how do you work within it?

You can start by giving each other CUDOS.

CUDOS are the brainchild of influential sociologist Merton R. Schkolnick, guidelines that he thought should shape the scientific community. And they happen also to be an ideal template for groups dedicated to truth-seeking. The C in CUDOS stands for communism. If a group is going to examine decisions together, then it’s important that each member shares all relevant information and strives to be as transparent as possible to get the best analysis. It’s only natural that we are tempted to leave out details that make us look bad, but incomplete information is a tool of our bias. U stands for universalism – using the same standards for evaluating all information, no matter where it came from. When she was starting out in poker, the author tended to discount unfamiliar strategies used by players that she’d labeled as “bad.” But she soon suspected that she was missing something and started forcing herself to identify something that every “bad” player did well. This helped her learn valuable new strategies that she might have missed and understand her opponents much more deeply. D is for disinterestedness and it’s about avoiding bias. As American physicist Richard Feynman noted, we view a situation differently if we already know the outcome. Even a hint of what happens in the end tends to bias our analysis. The author’s poker group taught her to be vigilant about this. But, teaching poker seminars for beginners, she would ask students to examine decision-making by describing specific hands that she’d played, omitting the outcome as a matter of habit. It left students on the edge of their seats, reminding them that outcomes were beside the point! “OS” is for organized skepticism, a trait that exemplifies thinking in bets. In a good group, this means collegial, non-confrontational examination of what we really do and don’t know, which keeps everyone focused on improving their reasoning. Centuries ago, the Catholic church put this into practice by hiring individuals to argue against sainthood during the canonization process – that’s where we get the phrase “devil’s advocate.”

If you know that your group is committed to CUDOS, you’ll be more accountable to these standards in the future. And the future, as we’ll see, can make us a lot smarter about our decisions.

To make better decisions, we need to spend some time in the future.

Temporal Discounting – making decisions that favor our immediate desires at the expense of our future self – is something we all do.

We can also recruit our future feelings using journalist Suzy Welch’s “10-10-10.” A 10-10-10 brings the future into the present by making us ask ourselves, at a moment of decision, how we’ll feel about it in ten minutes, ten months and ten years. We imagine being accountable for our decision in the future and motivate ourselves to avoid any potential regret we might feel.

Backcasting, imagining a future in which everything has worked out, and our goals have been achieved, and then asking, “How did we get there?" This leads to imagining the decisions that have led us to success and also recognizing when our desired outcome requires some unlikely things to happen. If that’s the case, we can either adjust our goals or figure out how to make those things more likely.

Premortems are when we imagine that we’ve failed and ask, “What went wrong?" This helps us identify the possibilities that backcasting might have missed. Over more than 20 years of research, NYU psychology professor Gabrielle Oettingen has consistently found that people who imagine the obstacles to their goals, rather than achieving those goals, are more likely to succeed.

Final summary

The key message in these blinks: You might not be a gambler, but that’s no reason not to think in bets. Whether or not there’s money involved, bets make us take a harder look at how much certainty there is in the things we believe, consider alternatives and stay open to changing our minds for the sake of accuracy. So let go of “right” and “wrong” when it’s decision time, accept that things are always somewhat uncertain and make the best bet you can.

Side Note: I think there is a link between Poker and Financial Psychopathy & Cerebral Narcissism because of the Rewiring of the Brian Benefits of Poker through Dopamine Release.

PITCH ANYTHING BY OREN KLASS (COURTESY OF BLINKIST)

PITCH ANYTHING is a fast-paced narrative packed with crystal clear examples illustrating the unique S.T.R.O.N.G. Method, which takes advantage of how the brain really works by Setting the Frame; Telling the Story; Revealing the Intrigue; Offering the Prize; Nailing the Hookpoint; and Getting a Decision.

You must tailor your pitch to the audience’s croc brains.

Everyone should learn to pitch ideas well. In every profession, from dentistry to investment banking, there comes a time when you must convince someone of something. Unfortunately, there is a gap between what we are trying to tell our audience and how they perceive it. To understand this gap and overcome it, we must look at the evolution of the human brain.

Basically, the human brain has evolved in three separate stages, resulting in three distinct parts: the primitive reptilian part, the croc brain, developed first. It’s a simple device primarily focused on survival and it can generate strong emotions, like the desire to flee a predator. Next, the midbrain developed. It allows us to understand more complex situations, such as social interactions. Finally, the sophisticated neocortex evolved, facilitating reasoning and analysis to understand complex things.

When you pitch, you use your neocortex to put into words the ideas you are trying to convey. Unfortunately, your audience doesn’t at first process these ideas with their neocortices. Instead, it is the audience’s primitive croc brains that receive the ideas and they ignore everything that is not new and exciting. Worse still, if your message seems abstract and unfathomable to the croc brain, it might perceive the message as a threat. This will make your audience want to flee to escape the situation.

This is why you must tailor your pitch to the croc brain. Since croc brains are simple, your message should be clear, concrete and focused on the big picture. You also need to ensure the croc brain sees your message as something positive and novel, which deserves to be passed on to the higher brain structures.

To secure your target’s attention, you must create desire and tension.

The one critical thing you need throughout your pitch is the attention of your target. To successfully attain this, research has shown that you must evoke two sensations in your pitch: desire and tension. Desire arises when you offer your target a reward, and tension arises when you show them they might lose something, like an opportunity, as a result of this social encounter. On a neurological level, this effectively floods your target’s brain with two neurotransmitters: dopamine and norepinephrine.

Dopamine is a chemical associated with anticipating rewards — desire. One such reward would be the pleasure of understanding something new, such as solving a puzzle. Thus, to increase the level of dopamine in your target’s brain, you must introduce novelty through a pleasant surprise, like an unexpected yet entertaining product demo.

Norepinephrine, on the other hand, is the chemical responsible for alertness and it creates tension in the target. If your pitch convinces them that there is a lot at stake here, their brains will be flooded with norepinephrine.

To create tension, you must create a bit of low level conflict with a push-pull strategy. This means first saying something to push the target away, like, “Maybe we aren’t a good match for each other.” You then counter this by pulling the target back toward you with something like, “But if we are, that would be terrific.”

This push-pull dynamic creates alertness in the target, as they sense that they might lose this opportunity. Depending on the situation, you may use very powerful push-pull statements, especially if you sense your target’s attention beginning to wane.

To control a meeting, you must first establish frame control.

Different people will see any given situation from a different perspective or point of view based on their intelligence, ethics and values. These perspectives are called frames, and they dictate how we perceive social situations such as meetings and sales pitches. Frames also determine who controls those situations.

When two people meet, their individual frames crash into each other. Only one frame can survive such an encounter — the stronger one. For example, let’s assume a cop pulls you over for speeding. He has a strong moral-authority frame and you only have a weak “I’m so sorry officer”-frame. It is clear that when your frames clash, his frame will prevail. This means he will control every aspect of the encounter: from its duration to its content and tone.

You will often face a similar clash of frames in a business environment; for example, a customer may be focused on the price of your product while you are focused on its quality. You will both try to get the other to focus on what you think is important.

If it is your frame that survives this clash, you will have frame control in the situation meaning your ideas and statements will be accepted as facts by the customer. This is a crucial advantage in any pitch. Without frame control, you are unlikely to convince anyone of anything.

You will often encounter the power frame, time frame and analyst frame, hence you must know how to counter them.

In a pitch or sales meeting you will often encounter certain archetypes of frames, and it is important you choose strong with which to counter them.

Typically, your target will use the power frame which exudes arrogance. You must not do anything that validates the other person’s power. Instead, use small acts of defiance and denial to bust the frame; for example, by yanking your presentation material away from the target if they do not seem to be taking it seriously.

Another oft-used frame is the time frame, where your customer asserts control over time: “I only have ten more minutes.” This is meant to push you off balance, but you can always counter with: “That’s fine, I only have five.”

A particularly lethal frame is the analyst frame, denoted by a fixation on details and numbers. If your opponent is in this frame, they will likely insist on drilling down into minor technical and financial details, effectively bogging down your pitch.

In such situations, give a direct but high-level answer to the question asked and get right back to your pitch. Analysis comes later. Before more questions come up, counter the analyst frame with your own intrigue frame. This basically means you tell a compelling personal story and leave it unfinished as a cliffhanger: “… so there we were, in a pitch black, falling airplane with no idea what was going to happen. Anyway, back to the pitch …" This redirects the focus of the room onto you and makes the discussion personal once again.

Use prizing to make the target seek your acceptance.

The most important frame you should be able to use is the prize frame, as it works in a variety of situations against many opposing frames.

Typically when you’re selling something or pitching an idea, your target will tend to see their money as the “prize” of the meeting, something you have to fight for. You must reframe the situation so that you are the prize and they would be lucky to do business with you.

Because people tend to want things they can’t have, prizing yourself will make your target work for your acceptance instead of the other way around. BMW does this with a special-edition M3. The company demands prospective buyers sign a contract assuring they will take proper care of the car, otherwise they cannot buy one.

In a pitching situation, never engage in behavior that makes it seem as if you are chasing the target, for example by agreeing to last minute schedule changes or trying to prematurely close the deal by saying things like, “So, what do you think so far?” Such behavior only reinforces the impression that the target is the prize. Instead, get your target to explicitly qualify themselves to you; for example, you could say, “I am very particular about with whom I work. Why should I do business with you?” This usually catches them off guard and they start trying to impress you.

Stack frames to trigger hot cognitions.

Contrary to popular belief, we are more prone to making choices instinctively than through rational analysis. In fact, we often make a decision about something before we even fully understand it and only later come up with reasons for that decision. These gut calls are called hot cognitions, whereas the decisions arrived at through rational reasoning are known as cold cognitions.

After you’ve introduced your big pitch idea, you want to trigger hot cognitions within your target. These will make him or her want what you have to offer in mere seconds, instead of analyzing your pitch for days to reach a rational, cold decision. You trigger the hot cognitions by stacking frames, meaning you introduce multiple frames in quick succession.

The first frame is the intrigue frame: you tell your target a compelling story, a personal narrative where a dilemma is solved. At the crucial juncture, you stop telling the story, leaving your target on the edge of their seat, ensuring their full attention.

Next, you pile on the prize frame, where you flip the tables on the target: instead of trying to impress them, make them qualify themselves to you. You could say something like, “This deal has so many investors after it, I have to choose who to take on board.”

After this, you stack on the time frame by adding time pressure to the pitch: “Unfortunately, this is a limited-time offer, and the train, so to speak, is leaving the station on Monday.” This will make the target feel like they are losing an opportunity, at which point they will want it even more.

By triggering all these hot cognitions in the target, you will leave them drooling for what you have to offer.

Don’t be needy – make the target chase you.

Neediness, otherwise known as validation-seeking behavior, is a sign of weakness and it can be absolutely fatal to your pitch. If you act needy, the audience will sense you are weak and their primitive croc brains will classify your proposal as a threat – to their money. This can easily push you into a vicious cycle where the audience becomes more and more distant due to your neediness, which in turn makes you anxious and even needier!

To negate neediness, you can use a simple three-step formula based on the movie The Tao of Steve, where the protagonist, Dex, follows a pseudo-Taoist philosophy to pick up women.

First, try to eliminate your desires, at least in the eyes of the target. If they have something you desperately want, this will translate as neediness in you. To negate this, make it clear to the target that you do not need them.

Second, focus on the things you do well, your strengths. Demonstrate something that showcases your excellence. Dex, for instance, was great with children and made sure the target of his affections saw this. Similarly, you must demonstrate excellence in front of your target.

Third, withdraw. At the crucial moment when your target expects you to chase them for their money, withdraw instead by saying something like, “I’m not totally convinced we’re a good match for each other.” This will make them chase you, much like the women in the Tao of Steve chased Dex.

To pitch effectively, you must attain situational alpha status.

Status plays a vital part in any social encounter. In any meeting, a dominant member known as an alpha emerges, while others take subordinate beta-positions. It is very difficult to be persuasive from a beta-position; hence, you must grab alpha status.

Though some elements of status, like your reputation or wealth, are quite stable, situational status can vary immensely; for example, while a successful surgeon has considerably higher social status than a golf teacher, the teacher is still the alpha during a golf lesson.

Often your pitch targets will lay so-called beta traps to force you into the situational beta position; for example, being made to wait in the lobby is a classic beta trap.

You must try to ignore these traps and avoid doing anything that enforces your opponent’s alpha status. Instead, use small acts of defiance and denial to grab the situational alpha status for yourself as soon as you can.

Say a customer has made you wait in the lobby. Once in the meeting room, you could begin examining some papers on the table in front of you. When the customer peeks at them, you could yank them away and say something like, “Nope, not until I’m ready.” If done in a good-natured, half-joking manner, this enforces your alpha position.

Once you have alpha status, you must then steer the discussion into a direction where you are the expert, much like the golf professional talks about golf, not heart surgery, when teaching the surgeon. To solidify your status, force your opponent to say something that reinforces your alpha position with a good-natured jest, like, “Remind me, why on earth should I work with you guys on this?”

Keep your pitch short and simple.

Before you begin any pitch, let your target know you will keep the presentation short. This will put them at ease. When Watson and Crick presented their Nobel Prize-winning idea of the DNA helix, they only needed five minutes. If you know what you are doing, you can pitch anything in twenty.

Start your pitch by introducing yourself. This does not mean rattling off your entire résumé but just outlining your greatest successes, like projects where you really did something impressive.

Most people will be tempted to jump right to the “big idea” for which they’re trying to get financing. But before you get to it, you should address one crucial concern in your target’s mind. Namely, you must explain why now is the right time to invest.

Rather than a long and complex analysis, simply outline the economic, social and technological forces which make your deal unmissable right now. Economic forces that benefit your pitch, for example, could be your target customers becoming wealthier and interest rates going down, the social forces could be the rising consumer concern for the environment, and the technological force could be the development of the electric car. You must present these forces in a way that shows a window of opportunity has recently opened but will not remain open forever.

The three forces set the stage and paint a backstory for your big idea, which should also be kept brief and simple. Use an established “recipe” for this: “For [target customers] who are dissatisfied with [current offerings on the market]. My product is a [new idea] that provides [solution to key problem] unlike [competing product]. My product has [key product features].”

That’s it. The time for details comes later.

Final summary

The key message in this book is: In any social encounter where you aim to be persuasive, it is vital that you seize control of the situation and ensure the target sees your pitch through the frame of mind you have chosen. At the same time, you must cater your pitch so that on a neurological level, the target’s brain works for you, not against you.

TRIBES BY SETH GODIN (COURTESY OF BLINKIST)

All Tribes Share 3 Components

A Group of People

A Common Cause

At least one Leader who Represents and Organizes the Tribe

The most important feature for a tribe is the shared cause.

A tribe’s shared cause leads its members to internalize the tribe’s values and ideas as their own. These internalized incentives make tribe members into driven believers instead of mere followers

Don’t engineer your ideas for the masses: make it exclusive and meaningful for a distinct group of people.

Apple set out to produce a new kind of phone that almost no one would initially like, but that a few people would really love.

With today’s technology, everyone can form and lead a tribe.

The first thing to know is that people need to be able to communicate intensely about their shared cause. This means that communication can’t just be vertical – between you (the leader) and the individual tribe members – more importantly, it must be horizontal, between tribe members.

With today’s technology, you have everything you need to facilitate both vertical and horizontal communication. Websites, blogs and social networks allow you not only to spread your cause, but also provide the room and the tools for your tribe to communicate, share ideas and organize. For example, you can use Basecamp to organize projects, and Twitter to share brief updates about developments. At the same time, these websites allow you to set ground rules for participation, and align everyone with your common vision by setting specific goals.

If you have a meaningful cause and the will to lead, people will follow.

Have you ever wondered how many people make up a movement? The answer is around 1,000: that’s the amount of true believers you need for a group to keep moving.

Creating a movement is about organizing an existing yearning into a way that tribe members can connect with each other, and form a movement under your leadership.

As former U.S. Senator Bill Bradley defines it, a movement contains three elements: A narrative that tells the story of the future you’re trying to build; a connection between the leader and the tribe and among the tribe members; and something to do – the fewer limits, the better.

When forming a tribe, don’t worry about making it grow – concentrate on tightening connections.

At least in the beginning, a tribe’s biggest advantage is not its size, but the multiple connections between the members, the leader and the outside world.

In fact, a tribe has four different directions of communication: Leader to tribe, tribe to leader, tribe members to one another and tribe member to outsider. Normal marketing pales in comparison, with communication generally only in one direction: company to market.

The most important of these directions is the communication between members. And this is where tightening a tribe comes in.

Tightening a tribe means bringing members closer together by facilitating communication and tightening their common bonds. You can do this by transforming a shared interest into one passionate goal, and by providing a platform for members to easily connect with each other.

Or you can harness the power of insiders and outsiders. To create a feeling of cohesion, you have to develop a culture of insiders – which inevitably excludes others. This allows the tribe to differentiate itself from other tribes, and create a stronger sense of internal identification.

Leadership is about stepping into a vacuum and creating motion.

For a tribe to form there has to be a particular change that people want to see made. This need for change has to come from a certain discomfort with the status quo, from a sense that there is something missing in the world. A leader steps right into this discomfort zone – the vacuum – and starts to organize so people will follow him.

Leaders do this despite the risks because of two things: they have faith in the cause and they know that innovation is always more effective the earlier it happens – so the sooner the better.

To make the world a better place, we need more heretics and less sheepwalkers.

What we need in the world are more heretics: people who question the status quo and the existing dogmas, and take action without asking for permission. Organizations need more heretics to advocate change from the inside: because if you hire amazing people and give them freedom, they will do amazing things. And tribes need heretics as leaders to break into new territory and help change the world.

ARMED ROBBERY INFLUENCE PASSING ATHLETE

Generalist Kinaesthetic Learners VAMMMBRGC

Volleyball

Acting

Modeling

Music

Martial Arts

Ballet (Female Only)

Rings Gymnastics (Male Only)

Graffiti (Art)

Cooking (Endorsements)

Characteristics

Suddenness

Speed

Intense

Aggressive Intervention for the Victim

Maximum Masking his own Contribution

Choosing the  appropriate  moment to attack and target the more vulnerable and defenseless victims.

Roles: The Bosses

**The Mastermind: The leader, who found the target, calls the shots, and thought up the plan. Usually the most experienced in the business as well, and very respected by their crew otherwise they wouldn't be able to keep all these amoral people in line. Compare The Chessmaster (Bullet Chess), The Captain, the Big Bad. May or may not have been the one to put the team together

**The Partner In Crime: The leader's second-in-command, who assists The Mastermind in plan-making and usually almost equally as experienced. Depending on the nature of the crew, he might be the only one besides The Mastermind who actually knows what's going on. May overlap with other roles. Compare The Lancer, The Dragon, the Number Two.

**The Backer: The Client who is paying for everything. Sometimes he has a deadline or is fussy in some other way that influences the crew's actions. Usually only The Mastermind and his Partner interact much with him. There isn't always a backer though, sometimes the crew front the money themselves and fence it hoping to make back enough for a profit.

Business Equity Heist

Scatter Site Shares Appreciation Rights Social Club

Bullet Chess Influenced Robbery

Preparation: The first step in creating such a good repertoire is to understand that memorization comes in a distant second to an appreciation of the ideas behind your opening moves

Prophylaxis*: In the game of chess, prophylaxis or a prophylactic move is a move that stops the opponent from taking action in a certain area for fear of some type of reprisal. Prophylactic moves are aimed at not just improving one's position, but preventing the opponent from improving their own. 

Pre-Move: This is when you make your move *before* the opponent has taken their turn. Helps with Time and Creates psychological pressure.

Tactical Vision: Tactics are maneuvers that take advantage of short-term opportunities. They can support your strategy and/or destroy your opponent's plan and ideas. Tactical and combinational themes must be mastered.

Opening Game: A chess opening is the group of initial moves of a chess game. In addition to referring to specific move sequences, the opening is the first phase of a chess game, 

Middle Game: The middlegame in chess is the portion of the game in between the opening and the endgame, though there is no clear line between the opening and middlegame or between the middlegame and endgame. Theory on the middlegame is less developed than the opening or endgames.

Development: It is important to develop your whole Army. Note the word whole. Some players get a few pieces out and launch an attack. The necessity for quick development depends on the type of Center that exists. For example, if the center is closed, development is not necessarily a priority because the enemy pieces won't be able to break into your position. However, if the center is open, development takes on a great significance

Initiative**: The side that forces it's ideas on a reacting opponent and Are making believable threats or responding to threats.

Dynamic Advantage: A dynamic Advantage centers around temporary items like development, the initiative, and more active pieces. Make sure you make use of this Dynamic plus before the opponent catches up in development, initiative runs dry, or you're active pieces are exchanged

Compensation: If you give up something (space, structural weakness, squares, material) and get nothing in return you are in trouble. However if you give up the same imbalances (space, structural weakness, squares, material) in exchange for different types of imbalance you are said to have compensation for whatever it is you gave up

Material Advantage: A material advantage goes to the player who has more and/or stronger pieces.

End Game: In chess and chess-like games, the endgame is the stage of the game when few pieces are left on the board. The line between middlegame and endgame is often not clear, and may occur gradually or with the quick exchange of a few pairs of pieces.

KEY MOTIFS

Mr. & Mrs Smith, Physical Fitness, Force-Velocity Curve Stimulus-Fatigue-Recovery-Adaptation Performance Training, Circuits, Networking, Chaárms or Athena Venus-Mercury Cusp Births, Triple Decker Projects with Sand Volleyball Courts, Brand Activation Modelling, Sports Larceny & Contract Racketeering, Sports for Orphans Charities, Short Film Series Acting, Polyglot, Industrial-Organizational Psychologist and Mergers & Acquisitions Bankers Advisory Team

KEY VALUES

Brass Knuckles as Weapons, Decadence, Socratic Methods Game Theory, Poker Country Clubs with Sports Betting Investment Trust, Red Bull Music Festivals, Athletic excellence, Sports Performance Centers, Med Spas, Patchwork Tattoos, Pastel Goth, Pastel Wavy Hair, Video Games, Real Estate Investment Groups, Scatter-site Share Appreciation Rights Social Club, Art House and Management Companies, Business Incubators and Startups Accelerators Collaboration Holding Company, Syncretism of Athena through Occult Magic to Warrior Spirits, Law Education EdTech Sponsor and Provider, Armed Robbery Sports Playbooks, Force-Velocity Curve Physique, Smurfing, Sports Betting, Poker Tournaments, Enterprise Foundations, Rental Properties, and Overview of the Nevada Economy: The top three sectors by total employment are Real Estate and Rental and Leasing, Accommodation and Food Services, Retail Trade, while the unemployment rate across the state in 2022 was 4.8%.

AESTHETIC THEORIES

Subjective

Based on or influenced by personal feelings, tastes, or opinions

Precarious Balance

Precariously: If something is happening or positioned precariously, it's in danger. A glass could be precariously balanced on the edge of a table. If something is on the verge of danger, then the word precariously fits.

Semblance

Semblance is generally used to suggest a contrast between outward appearance and inner reality.

Phantasmagorical

Having a fantastic or deceptive appearance

adjective. having a fantastic or deceptive appearance, as something in a dream or created by the imagination. having the appearance of an optical illusion, especially one produced by a magic lantern.

Law of Polarity in Relationships

In any successful relationship that has an intimate connection and sexual attraction, there is polarity. What does this mean exactly? Polarity in relationships is the spark that occurs between two opposing energies: masculine and feminine. Gender does not affect whether you have masculine or feminine energy.

Second Reflection

Burden Aesthetics with Intentions

The Second Reflection lays hold of the Technical Procedures

CRIMINOLOGY THEORIES

Choice Theory: The belief that individuals choose to commit a crime, looking at the opportunities before them, weighing the benefit versus the punishment, and deciding whether to proceed or not.

Classical Theory: Similar to the choice theory, this theory ascertains that people think before they proceed with criminal actions; that when one commits a crime, it is because the individual decided that it was advantageous to commit the crime.

Critical Theory: Critical theory upholds the belief that a small few, the elite of the society, decide laws and the definition of crime; those who commit crimes disagree with the laws that were created to keep control of them.

Labeling Theory: Those who follow the labeling theory of criminology ascribe to the fact that an individual will become what he is labeled or what others expect him to become; the danger comes from calling a crime a crime and a criminal a criminal.

Life Course Theory: The theory that a person’s “course” in life is determined by short (transitory) and long (trajectory) events in his life, and crime can result when a transitory event causes stress in a person’s life causing him to commit a crime against society.

Positivist Theory: The positivist rejects the idea that each individual makes a conscious, rational choice to commit a crime; rather, some individuals are abnormal in intelligence, social acceptance, or some other way, and that causes them to commit crime.

Rational Choice Theory: Reasons that an individual thinks through each action, deciding on whether it would be worth the risk of committing a crime to reap the benefits of that crime, whether the goal be financial, pleasure, or some other beneficial result.

Routine Activity Theory: Followers of the routine activity theory believe that crime is inevitable, and that if the target is attractive enough, crime will happen; effective measures must be in place to deter crime from happening.

Social Learning Theory: Social learning indicates that individuals learn from those around them; they base their morals and activities on what they see others in their social environment doing.

Strain Theory: The theory holds that individuals will turn to a life of crime when they are strained, or when they are unable to achieve the goals of the society, whether power, finance, or some other desirable goal.

Trait Theory: Those who follow the trait theory believe that individuals have certain traits that will contribute to whether or not they are capable of committing a crime when pushed in a certain direction, or when they are in duress.

Consensual or Victimless Crime: Consensual crime refers to crimes that do not directly harm other individuals or property. Rather, individuals choose to participate in risky behaviors that may be considered against the law. This includes indulging in drug use, prostitution, or obscenity.

CROUPIER ACCOUNTING

[picityvietnam]

PICITY SKY PARK

The Picity Sky Park project is a high-end apartment complex developed on a land area of over 10,615 m² and includes three towers, each 40 stories high. This project will introduce 1,567 diverse real estate products to the market, including apartments, officetels, and shophouses.Picity Sky Park offers a variety of products, including 1,319 high-end apartments, 226 officetels, and 22 shophouses, ensuring to meet the residential and investment needs of all customers.The developer of Picity Sky Park, Pi Group, is committed not only to ensuring quality but also to focusing on the customer experience when owning the product. The Picity Sky Park apartments are built to green living standards with abundant natural greenery, diverse internal amenities, and a unique Indochine architectural style.

OVERVIEW OF PICITY SKY PARK APARTMENTS

Commercial Name: Picity Sky Park

Project Location: No. 15/9 KP. Binh Duong 2, An Binh Ward, Di An City, Binh Duong

Investor: Kim Son Investment Hotel Joint Stock Company

Project Developer: Pi Group

Landscape Design: One Landscape, RFR FV

Total Scale: Area of 10,611m² – 03 Blocks

Park 1: 40 stories high

Park 2: 21 stories high

Park 3: 40 stories high

Products:

Total: 1,567 products

Apartments: 1,319 units

Officetels: 226 units

Shophouses: 22 units

Ownership Form:

Long-term ownership for all types of apartments and officetels

50-year ownership for shophouse products

Legal Status:

Investment policy approval number 3009/QĐ-UBND issued on November 18, 2022 by the People's Committee of Binh Duong Province.

Detailed planning at a scale of 1/500 dated June 16, 2023.

Construction permit number 4706/GPXD issued on December 28, 2023.

[rosamorelph]

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[netherworldpost]

Condensing a long production day:

How the blog and zine writing started: “Pumpkins are good and if you want to draw them you should even if you can’t draw.”

When you make art, you make and change yourself, so this shouldn’t be so unexpected (it admittedly kinda is)

I am currently studying actual literal real world property law and how verbal contracts work. How gravity affects physical objects. Chemistry. History. Stone cutting. How trees grow and manage forests.

I'm consulting lawyers, I'm reading science articles, etc etc etc.

Today's topics of discussion, in short (as I can make it). How it is going — a path I should have expected:

Vincent Price was six-foot-four and we don’t talk about it enough. Also he made Tilex commercials and helped expose non rich people to the art world via Sears. And had cook books. And so much more.

Working on an essay another the magical systems implied in Hocus Pocus (movies + novels).

Comparing Otho in Beetlejuice (movie) and Lydia (cartoon), accounting for why the former doesn’t appear in the latter, and generally bridging the story gap

How to write cursed platonic love letters, why you should, when to send, etc.

Notes of empathy for Delia Deetz, a woman unprepared for a supernatural life from Margaret Addams (née Alford)

How Elvira saved herself and the town of Fallwell from a bad real estate deal

Is this forest haunted and if so how do I tell it I love it, 174 simple steps that will blow your mind but not your budget.

Last ramble as I prepare for meeting 3 of 3.

I don’t want to do high end items — I like inexpensive — so the newspaper has to be able to be produced inexpensively AND SHIP cheaply.

And I want it to be physically longer -- 8 pages (the previous was 4).

Are you asking “what newspaper?” — an in-universe newspaper for monsters and ghosts and witches and mermaids. News of their world, gossip, rambles.

The rest of the store is shaking out nicely, I have almost everything lined up, tested, in various forms of "write this" and "draw this"

This week, I have sealed up the cracks in the newspaper production. It's tricky. It is physically larger than everything else and will print on a paper to accommodate that size without blowing the postage budget.

Ramble ramble ramble.

Time for a meal then back to work.

[sunblonderealtors]

Investing in Real Estate in Mumbai: Is Now the Right Time?

Deciding if now is the right time to invest in Mumbai real estate depends on your individual goals and risk tolerance. By carefully weighing the pros and cons and doing your due diligence, you can make an informed decision about whether investing in Mumbai real estate is the right step for you right now.

The current state of the Mumbai real estate market

Mumbai's real estate market appears to be on a positive trajectory in 2024. There are reports of significant growth in the first quarter of 2024, with rising demand for both residential and commercial properties. The demand for high-end apartments remains high, with developers catering to this segment with new projects. overall, Mumbai continues to be an attractive destination for investors, both domestic and foreign

The potential for future growth in the Mumbai real estate market

India's economic recovery is expected to continue, which will likely boost demand for housing and office space in Mumbai as a financial hub. Ongoing infrastructure projects, like new metro lines, are creating new areas for development and improving connectivity within the city, making these areas more attractive for residents and businesses. The potential for future growth seems significant. However, It's important to stay informed about economic trends and government policies that could influence the market.

Things to consider before investing in real estate in Mumbai

Market Knowledge: Deep dive into current market trends, property price movements, rental yields in different areas, and overall market health.

Area Expertise: Focus on specific neighborhoods that align with your goals. Understand their growth trajectories, demographics, infrastructure plans, and rental potential

Strategic Selection: Consider not just current amenities but also future infrastructure projects and development plans in the area. This can significantly impact property value

Accessibility Matters: Choose a location with good connectivity to public transport, schools, hospitals, and workplaces, depending on your target demographic (families, young professionals etc.)

Investment Strategy: Align your property choice with your goals. If rental income is your focus, prioritize high-yield areas. For capital appreciation, consider up-and-coming neighborhoods.

Tips for successful real estate investment in Mumbai

Stay informed about current market trends, property prices, and future projections.

Real estate is a long-term investment. Think about your future needs and if the property aligns with them.

Consider the amenities offered by the property and the surrounding area that enhance your investment's value.

[dubairealestate24]

A Guide to the Most Luxurious Properties for Sale in Dubai

Dubai is synonymous with luxury, and its real estate market offers some of the most opulent properties in the world. From stunning penthouses to sprawling villas, the options are endless. This guide will help you navigate the market for the most luxurious properties for sale in Dubai.

For more information on home loans, visit Home Loan UAE.

Why Invest in Luxury Properties in Dubai?

High ROI: Dubai's luxury real estate market offers high returns on investment due to its desirability and robust demand.

Tax Benefits: Dubai offers a tax-free environment, making it an attractive destination for real estate investment.

World-Class Amenities: Luxury properties in Dubai come with world-class amenities, including private pools, gyms, and concierge services.

Prime Locations: Many luxury properties are located in prime areas, offering stunning views and easy access to key attractions.

Security: Dubai is known for its safety and security, providing peace of mind for property owners.

For commercial property investment options, explore Buy Commercial Properties in Dubai.

Types of Luxury Properties in Dubai

Penthouses: Located in high-rise buildings, penthouses offer panoramic views of the city and luxurious living spaces.

Villas: Spacious villas with private gardens, pools, and state-of-the-art facilities are available in exclusive communities.

Townhouses: Luxury townhouses offer a blend of privacy and community living, with high-end finishes and amenities.

Beachfront Properties: Properties along the coastline provide direct beach access and breathtaking ocean views.

Golf Course Properties: These properties offer views of lush golf courses and access to exclusive golf clubs.

For mortgage financing options, consider Mortgage Financing in Dubai.

Popular Areas for Luxury Properties

Palm Jumeirah: Known for its iconic palm-shaped island, this area offers some of the most luxurious villas and apartments in Dubai.

Downtown Dubai: Home to the Burj Khalifa and Dubai Mall, this area offers upscale living in the heart of the city.

Emirates Hills: Often referred to as the "Beverly Hills of Dubai," this gated community offers luxurious villas with golf course views.

Dubai Marina: Known for its vibrant nightlife and stunning waterfront properties, Dubai Marina is a popular choice for luxury living.

Jumeirah Beach Residence (JBR): This beachfront community offers a mix of luxury apartments and penthouses with stunning sea views.

For rental property management services, visit Apartments For Rent in Dubai.

Tips for Buying Luxury Properties in Dubai

Set a Budget: Determine your budget before you start looking at properties. This will help narrow down your options and prevent overspending.

Research the Market: Understand the current market trends and property values in the areas you're interested in.

Work with a Realtor: A reputable realtor with experience in the luxury market can help you find the best properties and negotiate the best deals.

Inspect the Property: Ensure the property is in good condition and meets your standards. Consider hiring a professional inspector.

Consider Future Value: Think about the property's potential for appreciation and its resale value.

For property sales, visit Sell Your Property.

Real-Life Success Story

Consider the case of James, an investor from the UK who decided to invest in a luxury villa in Palm Jumeirah. With the help of a local realtor, James found a stunning property that met all his requirements. The realtor guided him through the buying process, ensuring all legalities were handled smoothly. Today, James enjoys a high return on his investment, with the villa's value appreciating significantly.

Future Trends in Dubai's Luxury Real Estate Market

Sustainable Living: There is a growing demand for eco-friendly and sustainable luxury properties.

Smart Homes: Properties equipped with smart home technology are becoming increasingly popular.

Wellness Amenities: Luxury properties are now offering wellness-focused amenities such as spas, gyms, and yoga studios.

Flexible Spaces: There is a trend towards properties with flexible living spaces that can be adapted to different needs.

Branded Residences: Collaborations with luxury brands to create branded residences are on the rise.

Conclusion

Investing in luxury properties in Dubai offers numerous benefits, from high ROI to world-class amenities. By understanding the market, working with a reputable realtor, and considering future trends, you can make a sound investment in Dubai's luxury real estate market. For more resources and expert advice, visit Home Loan UAE.

[buyresidentialpropertiesindubai]

The Ultimate Investment: Why Dubai’s Luxury Properties are a Must-Buy

Dubai’s luxury property market offers exceptional investment opportunities for those seeking high returns and long-term value. The city's vibrant economy, strategic location, and world-class infrastructure make it an attractive destination for real estate investors. This comprehensive guide explores why investing in luxury properties in Dubai is a must for savvy investors and provides essential insights into making a successful investment.

For more information on Dubai's real estate market, visit Dubai Real Estate.

High Returns on Investment

Appreciation: Luxury properties in Dubai have shown significant appreciation over the years, providing high returns on investment. The city’s continuous development and growth attract global investors, driving up property values. Historical data shows that prime locations like Palm Jumeirah and Downtown Dubai have experienced substantial price increases, making them ideal for investment.

Rental Yields: Dubai's luxury rental market is robust, offering attractive rental yields for property owners. With a high demand for upscale rental properties from expatriates and tourists, investors can achieve steady rental income. Areas such as Dubai Marina and Jumeirah Beach Residence are particularly popular for luxury rentals.

Market Stability: Dubai's real estate market is known for its stability and resilience, making it a safe investment choice. Despite global economic fluctuations, Dubai’s market has maintained steady growth due to its diversified economy and strong regulatory framework. This stability attracts both local and international investors looking for secure investments.

For more investment options, check out Buy Property in Dubai.

Favorable Tax Environment

No Property Tax: Dubai does not levy property tax, making it an attractive destination for property investors. This absence of recurring taxes on property ownership significantly reduces the cost of holding real estate in Dubai, enhancing overall returns.

No Capital Gains Tax: Investors in Dubai benefit from the absence of capital gains tax, allowing them to maximize their profits. When selling a property, investors can retain the entire gain from the appreciation, making it an ideal environment for property flipping and long-term investments.

No Income Tax: Rental income in Dubai is not subject to income tax, enhancing the overall return on investment. This tax-free income policy attracts investors from countries with high tax rates, providing a lucrative opportunity to earn passive income from rental properties.

For mortgage services, visit Best Mortgage Services.

Strong Economic Growth

Economic Diversification: Dubai’s economy is diverse and not solely reliant on oil, with strong sectors such as tourism, finance, and trade. This diversification ensures economic stability and growth, supporting the real estate market. The continuous influx of expatriates and businesses drives demand for both residential and commercial properties.

Infrastructure Development: Continuous infrastructure development, including new transport links, commercial hubs, and entertainment facilities, boosts property values. Projects like the Dubai Metro expansion, new shopping malls, and business districts enhance the attractiveness of nearby properties, leading to higher appreciation rates.

Tourism Boom: Dubai is a global tourism hotspot, driving demand for luxury properties among both short-term visitors and long-term residents. The city's appeal as a premier tourist destination ensures a constant demand for high-end accommodations, benefiting property investors.

For property management services, visit Rent Your Property in Dubai.

Prime Locations for Luxury Properties

Palm Jumeirah: Known for its exclusive villas and private beach access, Palm Jumeirah is a top choice for luxury property buyers. The iconic palm-shaped island offers breathtaking views, high-end amenities, and a prestigious address, making it one of the most sought-after locations in Dubai.

Downtown Dubai: Featuring the iconic Burj Khalifa and Dubai Mall, Downtown Dubai offers luxurious apartments with stunning city views. This vibrant area is the heart of Dubai, providing residents with a dynamic urban lifestyle and easy access to top attractions.

Emirates Hills: Often referred to as the "Beverly Hills of Dubai," Emirates Hills offers spacious villas in a gated community with lush green landscapes. This exclusive neighborhood is known for its privacy, security, and luxurious living environment, attracting high-net-worth individuals.

For property sales, visit Sell Your Property in Dubai.

Key Features of Dubai’s Luxury Properties

Architectural Excellence: Dubai’s luxury properties are known for their stunning architecture and innovative designs. Many properties feature state-of-the-art technology, smart home systems, and premium finishes, providing a high standard of living.

World-Class Amenities: High-end properties come with a range of amenities including private pools, spas, gyms, concierge services, and private beach access. These features enhance the appeal of luxury properties and provide residents with a resort-like living experience.

Prime Locations: Luxury properties are often located in prime areas that offer breathtaking views, easy access to top attractions, and a prestigious address. These locations include waterfront communities, downtown areas, and exclusive residential neighborhoods.

Tips for Investing in Luxury Properties in Dubai

Research the Market: Conduct thorough research on the property market and specific areas you are interested in. Understanding market trends, property values, and future developments can help you make informed investment decisions.

Seek Legal Advice: Engage a legal advisor to understand the buying process, taxes, and legal requirements. Ensuring compliance with local regulations and understanding your rights as an investor is crucial for a smooth transaction.

Financial Planning: Plan your finances and get pre-approved for a mortgage if necessary. Consider the long-term investment potential and rental yields to assess the financial viability of your investment.

Real-Life Success Story

Consider the case of Ahmed, who invested in a luxury villa on Palm Jumeirah. By conducting thorough research and working with a reputable real estate agent, Ahmed was able to secure a property with a high rental yield and significant appreciation potential. His investment strategy included leveraging the favorable tax environment and focusing on a prime location, resulting in substantial returns.

Future Trends in Dubai’s Luxury Real Estate Market

Sustainability: There is an increasing demand for sustainable and eco-friendly properties. Developers are incorporating green building practices and energy-efficient systems to attract environmentally conscious buyers.

Technology: Smart homes with advanced technology for security, entertainment, and home management are becoming more popular. Features such as automated lighting, climate control, and security systems enhance the living experience and appeal to tech-savvy buyers.

Customization: Buyers are looking for properties that offer customization options to suit their personal tastes and preferences. This trend includes flexible floor plans, bespoke interiors, and personalized amenities.

Conclusion

Dubai’s luxury real estate market offers unparalleled opportunities for investors seeking elegance and sophistication. By understanding the market, researching prime locations, and planning your finances, you can make a successful investment in Dubai’s luxury properties. For more resources and expert advice, visit Dubai Real Estate.

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The Ultimate Guide to Buying Luxury Properties in Dubai

Introduction to Luxury Properties in Dubai

Dubai's real estate market is synonymous with luxury, offering a wide range of high-end properties that attract investors and homebuyers from around the world. From opulent villas and expansive penthouses to exclusive apartments in prestigious neighborhoods, Dubai's luxury real estate sector is thriving. This guide provides a comprehensive overview of the process of buying luxury properties in Dubai, offering valuable insights and practical tips to help you secure your dream home.

For more information on home loans, visit Home Loan UAE.

Why Invest in Luxury Properties in Dubai?

Dubai is a global hub that combines modernity with tradition, making it an attractive destination for luxury real estate investment. Here are several compelling reasons to invest in luxury properties in Dubai:

Strategic Location: Dubai's geographical location serves as a crucial gateway between the East and the West, making it a central hub for business and tourism.

World-Class Amenities: Luxury properties in Dubai come equipped with world-class amenities, including private beaches, state-of-the-art fitness centers, and high-end retail and dining options.

Tax Benefits: Dubai offers tax-free income on rental yields and capital gains, making it an attractive destination for investors.

High Rental Yields: The city provides some of the highest rental yields in the world, making it a lucrative investment opportunity.

Strong Economy: Dubai's robust and diversified economy supports a stable real estate market, providing a secure investment environment.

For property purchase options, explore Buy Commercial Properties in Dubai.

Understanding the Luxury Property Market in Dubai

The luxury property market in Dubai is characterized by its diversity and opulence. Properties range from high-rise apartments with breathtaking views to sprawling villas with private pools and gardens. Key areas known for luxury properties include:

Palm Jumeirah: An iconic man-made island offering exclusive beachfront villas and luxury apartments.

Dubai Marina: Known for its stunning skyline and waterfront living, Dubai Marina offers high-rise luxury apartments and penthouses.

Downtown Dubai: Home to the Burj Khalifa and Dubai Mall, Downtown Dubai offers luxury apartments in a vibrant urban setting.

Emirates Hills: Often referred to as the "Beverly Hills of Dubai," this gated community offers expansive villas and mansions.

Steps to Buying Luxury Properties in Dubai

Define Your Requirements: Determine your budget, preferred location, property type, and essential amenities.

Research the Market: Conduct thorough research on the luxury property market in Dubai. Use online portals, consult real estate agents, and attend property exhibitions.

Secure Financing: If you require financing, explore mortgage options. For more details, visit Mortgage Financing in Dubai.

Hire a Real Estate Agent: Engage a reputable real estate agent specializing in luxury properties to guide you through the process.

View Properties: Schedule viewings of shortlisted properties to assess their suitability.

Make an Offer: Once you find the right property, make an offer through your agent.

Legal Checks and Documentation: Ensure all legal checks are completed, and necessary documentation is in place.

Finalize the Purchase: Complete the payment and transfer the property title to finalize the purchase.

For rental options, visit Apartments For Rent in Dubai.

Financial Considerations

Investing in luxury properties requires careful financial planning. Here are some key financial considerations to keep in mind:

Budgeting: Determine your budget, including the purchase price, closing costs, maintenance fees, and potential renovation costs.

Mortgage Options: Explore different mortgage options to find the best rates and terms. A mortgage consultant can provide valuable advice and assistance.

Down Payment: Be prepared to make a significant down payment, typically ranging from 20% to 30% of the property value.

Currency Exchange: If you are an international buyer, consider the implications of currency exchange rates on your investment.

Legal Considerations

Title Deed: Ensure the property has a clear title deed issued by the Dubai Land Department (DLD).

No Objection Certificate (NOC): Obtain an NOC from the developer if purchasing an off-plan property.

Property Registration: Register the property with the DLD to formalize ownership.

Legal Advice: Consider hiring a legal advisor to assist with the legal aspects of the purchase.

Choosing the Right Real Estate Agent

A reputable real estate agent can make the process of buying a luxury property much smoother. Here are some tips for choosing the right agent:

Experience and Reputation: Choose an agent with extensive experience and a strong reputation in the luxury property market.

Market Knowledge: Ensure the agent has in-depth knowledge of the specific areas and properties you are interested in.

Client Testimonials: Look for client testimonials and reviews to gauge the agent's performance and reliability.

Communication Skills: Select an agent who communicates effectively and is responsive to your needs and concerns.

Viewing and Selecting Properties

When viewing luxury properties, consider the following factors:

Location: The location of the property is crucial. Consider proximity to amenities, views, and the overall neighborhood.

Quality of Construction: Assess the quality of construction, materials used, and overall craftsmanship.

Amenities and Features: Ensure the property offers the amenities and features that are important to you, such as private pools, gyms, and security.

Future Development Plans: Research any future development plans in the area that could impact the value and desirability of the property.

Making an Offer and Negotiating

Once you find the perfect property, making an offer and negotiating terms is the next step. Here are some tips:

Offer Price: Work with your agent to determine a fair offer price based on market value and recent sales.

Negotiation Strategy: Have a clear negotiation strategy and be prepared to make counteroffers.

Inclusions and Exclusions: Clearly outline what is included in the sale, such as furnishings, fixtures, and appliances.

Contingencies: Include contingencies in your offer to protect your interests, such as financing and inspection contingencies.

Closing the Deal

The final step in buying a luxury property is closing the deal. This involves several key tasks:

Final Walkthrough: Conduct a final walkthrough of the property to ensure it is in the agreed-upon condition.

Finalizing Financing: Secure your mortgage and ensure all financing details are in order.

Signing the Contract: Review and sign the sales contract, ensuring all terms and conditions are clearly outlined.

Transfer of Ownership: Complete the transfer of ownership with the Dubai Land Department.

For more resources and expert advice, visit Home Loan UAE.

Real-Life Success Story

Consider the case of James, an investor from the UK, who purchased a luxury penthouse in Dubai Marina. With the help of a local real estate agent and a mortgage consultant, James secured a competitive mortgage rate and finalized the purchase within three months. His investment has since appreciated in value, providing substantial rental income.

Conclusion

Buying luxury properties in Dubai can be a rewarding investment, provided you navigate the process with due diligence and expert guidance. By following the steps outlined in this guide and leveraging professional services, you can secure a luxury property that meets your needs and investment goals. For more resources and expert advice, visit Home Loan UAE.