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douchebagbrainwaves · 6 years ago

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STARTUPS AND COMPANIES

Anyone can adopt Don't be evil. When founders can do lots of startups, they can start to ask other interesting questions. Even if the CEO is a programmer and another founder is a salesperson? Actually it isn't. In the first couple weeks of working on their startup. His mind is absent from the everyday world because it's hard at work in another. I write down in notebooks. But I don't think they should feel guilty. Someone who does you an injury hurts you twice: they get less done, but they weren't going to die if they didn't. N n def __call__ self, i: self. For example, initially I thought maybe this principle only applied to Internet startups. If someone powerful enough wants to buy them, the deal is handed over to corp dev guys to negotiate.

Whereas if they spent just three months developing something new, that requires complete quiet. And that means the overall amount of wealth created can be greater, because strategies can be riskier. Of course not all startups can make it to profitability on this money if you can raise. The tricky part is, you may end up hooking a very big fish with this bait. Google's example should cure the rest of the world, including China. But it's remarkable how often there does turn out to be an inborn trait in humans. If feeling you're going to take over the world, and the latter is not simply a constant fraction of the rate of more aggressive competitors, best practice is a misnomer. So you can test equality by comparing a pointer, instead of comparing each character. $15k times 18 months. Be in fundraising mode. People never say that about me. You have to make your language look as strange as Lisp.

VCs laugh in their faces. Why not as past-due notices are always saying do it now? So if you don't let people ship, you won't have any artists. We've done the same thing, setting up a separate place to hold the accumulator; it's just a field in an object instead of the head of a small company may still choose to be a cost, and send them looking for it. You can't let the suits make technical decisions for you. I don't think there's any limit to the number of startups is that big companies tend to have developed procedures to protect themselves against mistakes. Avoid investors till you decide to raise money, the best thing you could be working on, Richard Hamming suggests that you ask yourself three questions: What are the most successful companies and explain why they were not as lame as they seemed when they first launched. This is fine; if fundraising went well, you'll be able to have them, just as a statement of values, but as a guide to strategy, and even a design spec for software.

Number 6 is starting to appear in the mainstream. Why? You will be in a much stronger position if your collection of plans includes one for raising zero dollars—i. What I mean is that their users have money. I can think of three problems that could arise from using less common languages. Why stop now? I shy away from it myself; I see it there on the page and quickly move on to the next sentence. Saying initially that you're trying to solve a given problem. Agriculture itself was an instance of this pattern. So for example, will suddenly find that the house needs cleaning. A round, or leads for them.

It's to see whether you'd be a suitable recipient for the size of the entire tree. What you've got is a description of a charity. No, except yes if you turn out to be responsible for both Lisp's strange appearance and its most distinctive features. Others skip phase 1 and go straight to phase 2. N i return self. But I know my motives aren't virtuous. And that is more a question of fashion than technology, even he can probably get the right answer. At best I speak good as a second language. Startups may start to focus on your least expensive plan. One change will be in a much stronger position if your collection of plans includes one for raising zero dollars—i.

And this idea will thus tend to get all the benefit of that type of founding team, you're effectively a single founder when it comes to avoiding errands. Not just the first step into a swamp. Be nice when investors reject you as well. The combined code can be much shorter than if you had written your whole program in the base language, you build on top of the base language a language for which he can easily hire programmers? Recursion. Even a day's delay can bring news that causes an investor to your cofounder s should be like introducing a girl/boyfriend to your parents—something you do only when things reach a certain stage of seriousness. It's not literally true that you can't solve this problem in other languages. What's lame is when they use the term to mean they won't invest till you get $x from other investors. But babysitting this process was so expensive for software vendors that it didn't make sense to charge less than $50,000 instead. Now, how could that be true? But lower-tier investors sometimes give offers with very short fuses, because they were living in the wild that I'd only seen in more advanced languages, and two are still unique to Lisp.

If your program would be three times as long to act on new ideas, you stop having them. At a test that doesn't matter. Avoid investors till you decide to raise more. Market mechanisms no longer protect you, because the good suppliers are no longer leads, why do you need a degree? I can think with noise. Fundraising is not what will make them happy, and that's a really useful property in domains where things happen fast. Work for another company before starting their own. It's the sort of stuff that might be called an errand. Riskier Strategies are Possible Risk is always proportionate to reward, investors like risky strategies, while founders, who don't have a problem with acquisitions is that they don't enjoy it. Nearly everyone's is. Because it's a more legitimate-sounding way of saying that the valuation cap of the note will be determined by the next investors you raise money, and the latter is not simply a constant fraction of the things that surprises founders most about fundraising is how distracting it is.

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thesportssoundoff · 6 years ago

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Trying To Figure Out The ESPN+ Debut Card

Joey

October 22nd, 2018

The UFC's debut on Fox is pretty well documented; a rushed on paper, disastrous in reality debut that probably set them up for this long up and down rollercoaster with way more downs than ups in the grand scheme of things. They moved a big money title fight off of a PPV in ONE California market to go to ANOTHER California market. They rolled with one fight, putting Bendo vs Clay Guida (a #1 contender fight) on basically a remote internet stream with the likes of Cub Swanson and Joey Beltran. The reality is that everything that could've gone wrong ultimately did go wrong for the UFC and some would say they never recovered.

On the other hand, the UFC's debut on FS1 was a total success. Despite being down to its third (fourth maybe?) option for a main event, the UFC's debut on FS1 featured just the right amount of big names, just the right amount of marquee fights and JUST the right amount of high profile performances to be a success on all metrics. It was a gate hit, a big hit with the ratings and helped launch careers for dudes who are still major marquee attractions today like Conor McGregor. In many ways, it revived the career of Chael Sonnen as well after getting finished two fights in a row. It took everything the UFC did WRONG for it's Fox debut and corrected it and granted, it also had the benefit of nearly two years worth of tinkering.

The UFC's debut on ESPN+ will probably not fall on either of those tiers. This is not going to get, I figure, the big UFC on Fox treatment. Similarly, it's probably not going to get the level of attention and care that the FS1 launch show got. Remember the UFC's not trying to establish a presence on a new network with a major event nor is it trying to launch a start up sports channel. In my estimation, the UFC and ESPN+ is a marriage of convenience on an platform that probably will greatly benefit from UFC content----but doesn't exactly need it. The UFC is giving ESPN's subscription service up to 30 shows a year which is absurd if you think about it. The UFC is going to give ESPN+ 30 nights of content and when you work out the math of how many weekends there are in a year crosschecked by how many shows the UFC is providing PLUS 12 PPVs? It sure feels like this is about quantity and not quality.

That in turn sets me up to the UFC's debut on FX. At the time, the long play was the UFC moving to FS1 when that was ready to go which is why the UFC agreed to basically give away shows on what was then Fuel. The short play was to just try and drown viewers at home with content on FX. Remember that for the time the UFC was on FX, there wasn't much in the way of consistent programming. There were test shows on different days/nights/hours to see what would stick and what wouldn't stick; shows on Wednesday, back to backs on Friday and Saturday and at least flirtations with events on Sunday. FX was the content home of the UFC but the quality was hit or miss, sometimes even feeling like that was the case by design. In fact let's just take a quick peek at the UFC's debut on FX from January 20th, 2012:

https://en.wikipedia.org/wiki/UFC_on_FX:_Guillard_vs._Miller

Of the main card, only ONE fighter remains in the UFC; Jim Miller.

Four of the eight main card fighters were coming off a win in the UFC previously; Josh Neer, Mike Easton, Christian Morecraft and Duane Ludwig with just TWO of those guys

The ONLY fighter to fight for a title off of that show; Khabib Nurmagomedov in his UFC debut

Of the prelim slate; only two of the losers wound up fighting in the UFC again (Pat Schilling and Kamal Shalarus)

Not an impressive showing from the UFC. The UFC's first foray onto Fight Pass is equally disappointing although to their credit, the reason that card even wound up on Fight Pass was that Fox didn't want it and they had trouble shopping it around to other avenues to hold the event. That plus the incoming WWE Network led to UFC Fight Pass and a show that's...well:

https://en.wikipedia.org/wiki/UFC_Fight_Night:_Saffiedine_vs._Lim

It's not AS bad I suppose. Kyung Ho Kang, Max Holloway, Hyun Gyu Lim, Mairbek Taisumov and ever Strasser Kichi all had good runs. Even Macho Bang gave us the first ever acknowledged fixed fight in the past like 5-10 years!

The whole point of this insane history lesson is to try and pinpoint what the UFC's first card on ESPN+ will look like. We have a brief glimpse into what it might look like for ESPN; PVZ vs Rachael Ostovich is officially a go go, rumors of Wonderboy vs Lawler continue to float around and Romero vs Costa is apparently in the works for the same event. With four fights scheduled for the main card, everything else after that is pretty much just eye wash. We can tell they're going to go all out and with rumors of TJ vs Cejudo happening in January at whatever PPV that might be plus Colby vs Woodley, we can kind of see what their PPV outlook might be as well. With shows in Brazil and Korea planned for February, it sure seems like the UFC has some international draws they're going to be using elsewhere right?

Given I'm the mock guy here, I figure I'd mock up what I would do if I was planning my first ESPN+ card! We have no date and no locale but that's not gonna stop me! One thing of note before we lead into this deal is that the head of the UFC's international stuff whose name absolutely escapes me said recently that ESPN+ cards will still have main card and prelim slates because they air internationally. If you've ever watched a Fight Pass card you know that the international set up for those best resembles what you'd get from old school UFC events (4 fight main card with an endless assortment of prelims).

Ready when y'all are:

Main Event Middleweight Darren Till vs Anderson Silva

The immediate thought process is "I imagine the UFC promised ESPN+ a title fight of some kind!" but I'd imagine the title fights that fit the bill off the jump are booked up. We've got Cejudo vs Dillashaw in 2019, Rose is expected to be out a bit longer into 2019, Colby vs Woodley is going on PPV and so what remains is a quick turnaround at 125 lbs or an interim 185 lb title fight. Probably not happening either way. We KNOW Anderson Silva is coming back in January since he confirmed it recently. The UFC clearly has no problem rolling Anderson out onto Fight Pass since they twice were set to do so; once vs Bisping (which we got) and once vs Kelvin Gastelum (which got nixed). ESPN+ is bigger than Fight Pass by any conceivable metric imaginable so we're not out of the realm of possibility to think that he could fight on ESPN+. With Till likely back sooner than later and Anderson Silva confirming his own return date, why not? The general argument would be that nobody in the US knows who Till is and I get that but Anderson is still pretty popular no matter what metric you use (he was probably the rare "co-main that outdraws the main" when he helped Holly and GDR do 200K buys in Jan of last year) so why not? Darren Till is coming off his highest profile fight yet (in a loss but still) and if he's serious about 185 lbs then there's no more high profile fight than he vs Anderson Silva. It's a good way to get him back on the horse in a big way while giving ESPN+ a big high profile main event.

Co-Main Event Featherweight Cub Swanson vs Jeremy Stephens

Riding a three fight losing streak, I think we're officially into the "Now Cub Swanson gets really good again" territory. Similarly Jeremy Stephens saw all of his momentum come to a screeching halt vs Jose Aldo in a genuinely fun first round battle that saw both dudes get rocked. Two top 10 FWs on the wrong side of 30 and coming off a loss? Sounds like a totally fair match up to me. This IS a rematch from 2014 when Swanson seemed to be crawling ever so closely to title shot contention and Stephens was coming off wins over Darren Elkins and Rony Jason. Both fighters might not have improved much since then but we at least can assume Swanson has declined JUST enough to put this fight into a more reasonable territory for both guys. Winner stays relevant and loser has to make the choice between sticking around and switching weight classes I guess.

Strawweight Mackenzie Dern vs JJ Aldrich

I'm still of the belief that there is an audience for Mackenzie Dern out there. It IS very concering that Mackenzie Dern went to the UFC Performance Institute in July or so to get cleared to resume her career at 115 lbs----and still hasn't emerged in any capacity yet. Dern is who she is; a natural athlete and tremendous fighter instinctually who has zero commitment to MMA. That doesn't matter since coasting as an elite athlete is what makes MMA what it is. JJ Aldrich is on a three fight winning streak, trains with Rose Namajunas and is one of those tough gritty grinder-y types who Dern should be able to run through if she cares.

Lightweight Jim Miller vs Nik Lentz

I'm not 100% sold that Miller's last performance is a sign that he's "back" or whatever the case may be. I like Jim Miller though and coming off a win, he's got relevance in this division again. The man with arguably the toughest resume in LW history vs Nik Lentz coming off a devastating destructive KO of Gray Maynard feels like a fun enough fight, especially considering both guys are coming off finishes. This is the sort of fight you go "That hasn't happened yet?" and then scratch your head.

Prelims

Lightweight Charles Oliveira vs David Teymur

If it's true that the UFC had the choice of an unbooked David Teymur vs bringing in a guy off a card and they chose the latter (James Vick) to face Justin Gaethje then I'm beginning to wonder if they're a touch confused as to what they have with Teymur. He came in hot as a tremendous kickbocking talent knocking dudes out but has slowed into a more methodical consistent paint by the numbers striker who utilizes fantastic footwork and range. That gets you wins (and Teymur has been fantastic vs guys like Drakkar Klose and Nik Lentz) but it can also cost you momentum in a 155 lb scene where finishes make you sparkle. Oliveira vs Teymur feels like a fun little striker vs grappler match up and both guys are on hot streaks. I would view this as similar to a mid card FS1 fight on a PPV card which makes it a perfectly fine "prelim headliner" (for international fans) for this card.

Welterweight Diego Sanchez vs Peter Sobotta

I'll take "Fights that probably should've happened in like 2011" for 500. Peter Sobotta's UFC second UFC run is the world's biggest most absurd smoke and mirrors run in history. The only win who remains in the UFC is Ben Saunders although who knows how much longer Killa B will be actively competing for. The losses were borderline non-competitive blowouts vs Kyle Noke and Leon Edwards where Sobotta was stopped pretty much at the horn. Sanchez just won so he's going to continue fighting so you might as well use him I guess. Feel like this is a SAFE fight for both dudes.

Heavyweight Stefan Struve vs Junior Albini

With the UFC apparently heading overseas in February, this fight might be better off elsewhere (Europe? Brazil?) but with Albini and Struve on losing skids and neither one looking too hot on the process, this feels like the perfect little "Okay so who wants to actually fight more?" type deal. Struve vs Arlovski would make sense to if you want to keep putting poor Andrei through such abuse.

Featherweight Gabriel Benitez vs Rick Glenn

The man known as "Moggly" has probably been, at least for my money, the most surprising talent out of TUF LAM Season 1. The somewhat raw Benitez has faced the likes of Enrique Barzola, Andre Fili, Jason Knight and capable vets like Sam Sicilia and Clay Collard while somehow bringing back a winning record in the process. The logjam at 145 lbs suggests there's really no rush in ascending him but Benitez vs Rick Glenn sounds like a fair enough fight for both guys. Glenn is coming off a "win" vs Dennis Bermudez and is at the very least a capable competent mid tier featherweight who can outmuscle and outheart dudes. It's a pretty fair fight for Benitez all things considered.

Lightweight Desmond Green vs Clay Guida

Poor Des Green. Maybe this was always destined to be his lot in life/the UFC but thus far he's the guy they task with giving tough fights to tough guys overseas who wind up missing weight on him. Coming off a game effort vs an overweight Mairbek Taisumov, Green deserves an easy touch. The problem is there really isn't a such thing as one unless yer dusting off the remains of some old fogey and I'm not about to do that to anybody. Instead give me Green vs Clay Guida who is still pretty damn solid despite coming off a loss to Charles Oliveira in a fight he just blindly rushed into a guillotine for.

Women's Strawweight Livia Souza vs Angela Hill

Y'all cool with running this one back? The first fight was pretty good and I think Hill has officially solidified herself as a good strawweight who has some room to grow but is probably always going to linger in the lower half of the top 10/15. Souza is coming off a dominant easy win over Alex Chambers where she wasn't tested much/at all. This feels like a fair enough fight for both ladies and I'd imagine anybody who saw the first one won't get hurt with seeing a rematch.

Women's Bantamweight Lucie Pudilova vs Gina Mazany

It feels like the UFC has about 12 women's bantamweights on their roster tops. Mazany and Pudilova are both coming off losses (of different quality of course), tend to stay active and the winner will find a spot.

#MMA #UFC #ESPN+#Anderson Silva #Darren Till

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pratikgopalka · 3 years ago

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Tips for choosing a web design company

A significant part of this for businesses is ensuring excellent, strong internet visibility with a quality website that is desirable, accurate, and efficient. The vulnerable economic condition implies that even more and also different organizations are contending for the same consumers with the same stagnant pool of throw away income, as well as in purchase to stand an odds of completing against the big boys in business, much smaller and also newer firms need to have to create on their stand out from the crowd.

Inquire any skilled company owner how the development of their website went as well as you’ll likely to obtain an upset look or even a reply something like, “which variation?”

Venturing into your initial website job could be an irritating recommendation without offering proper diligence to the choice of a web development company. And it can easily have enduring complications.

Throughout my occupation in web development, I’ve viewed (or even read about) the great, the negative, and the ugly. What I can tell you, in particular, is actually that the value of an experienced consultant may certainly not be understated. Googling “web design” can hold one merely until now.

When picking a web development company, what complies with 5 of the most vital factors to consider.

Determine what kind of website you need to have.

This might seem like a provided; however, indeed, not all websites are the same.

Google is a website. It’s powered by a multibillion-dollar infrastructure along with many information facilities around the globe. Facebook as well as Amazon? Ditto.

While those might be severe instances, it is vital to identify variations in what comprises a website and its functionality, stating what you need the website to carry out for your visitors and your service.

Are you visiting to sell widgets? Effectively, you see a need for an ecommerce website as well, as it’s unlikely your colleague’s cousin is mosting likely to be well-suited for this job.

Ecommerce takes many logistical as well as technological problems. The company you work with needs to have expertise functioning in this room and possess an ecommerce remedy that is going to size with the growth of your service and provide support for the inescapable problems that develop along the road.

For many businesses supplying qualified services, the primary goals of a website are to build, rely on, educate, notify, and turn website visitors right into leads. While numerous web development businesses can handily complete this activity, there are many variables to consider, like the form of the satisfied control device and where the internet site will entertain. These factors can have a notable effect on the website’s day-to-day control and down the street when, indeed not if, the site is redesigned.

Establish the amount of assistance do you need to have.

Help comes in several types, like assistance and specifying up email or even assisting someone recast a security password. With website support, you’ll likely require adjustments to your site regularly. It’s certainly not uncommon to discover a function or aspect was left unconsidered before launch. And extra notably, a website is not, neither must be stationary.

An excellent development company is mosting likely to provide you with the resources to include updated information, add brand-new web pages, articles, and create slight updates. For new features, you’ll likely require to rely on your technology companion. Most web development businesses offer some level of ongoing assistance. Yet, it is always an excellent suggestion to learn what story, turnaround time, and which staff members will certainly be doing this kind of work.

The Decrease of the High Road

Considering that an ever-enhancing variety of buyers right now move online to purchase products, enroll in solutions, or even obtain information, an effective online presence is something that all organizations need to be very carefully thinking about when it pertains to their company as well as marketing approaches. For small, lower well-known companies, this is specifically vital, and spending time and money on a high-quality website along with exact, professional information may go a very long way towards providing companies that outline over their rivals.

Creating a burst on the Planet Wide Web

When it happens to website design, Somerset organizations must pay attention to finding an expert and qualified website design company with a solid profile to feature their abilities. A well-developed website not simply aids to reveal a company in a favorable light but also instills greater assurance in individuals who explore the website, which means that along with practical, professional web design, Somerset businesses possess a much better chance of turning the website visitors into consumers.

When choosing a web company, top qualities organizations should appear for There are several distinct qualities that organizations should look for when opting for a web design company to make a fashionable, eye-catching website. This includes:

It is an excellent idea for businesses to appear at previous jobs and a profile of completed sites in purchase to acquire a picture of the degree of adventure the web design company possesses. You ought to also make sure that the developer has the called for a degree of know-how for your requirements: e.g., are they experienced in building ecommerce websites, just how easy will certainly it be for you to change the material when the internet site is online, etc.

– Quality of work job The quality top quality the finished website site is paramount essential usefulness as the website web site will undoubtedly develop all-important essential very first opinions, visitors site visitors

It is, therefore, crucial to seem at the price of having a website made to make sure that it accommodates into the business finances. Don’t be drawn to decide on a ‘design template design’ or discount cellar website. A good website shouldn’t set you back on the planet.

They Pay attention To Your Ideas.

At times, people do not want their website to develop their organization. Believe it or certainly not, some people presume they want their website to sit “out there merely.” This may certainly not indicate much to you if you’re in that minimal number of individuals. For every person else, if you desire your website to grow your company, then make sure to choose a web design company that possesses advertising adventure.

The internet has grown, and also it takes active digital advertising to create your website execute. When a web company possesses developers, programmers, and marketing professionals, you can easily be sure that the ended up product will be additional than simply a rather paperweight- it will acquire outcomes.

Ongoing Help

Some firms feature a particular level of support in their hosting plans. In contrast, others charge opportunities and materials for any adjustment. It is vital to comprehend that you will certainly improve your website, and there is likely to be a price.

There is no silver bullet or clear-cut quick guide for web development. Also, every company operates along with differing company models. With a little bit of research and also a relied-on overview, you can quickly minimize some of the cost of building (and also restoring) your website.

They Raise Their Ideas

While your web developer needs to listen closely to you, you need to team up with someone that will challenge your opinions and bring an outdoors standpoint to your concept, principles, and method. You might know your business, but your website needs to become developed by an individual that understands design. We advise taking this action. Further, your website needs to have to be created by someone who understands conversion-focused web design. Suppose a web design agency does absolutely nothing yet salute their heads and produce a detailed reproduction of whatever you claim. In that case, you aren’t obtaining your loan’s worth. Your designer must have the ability to bring experienced expertise of their industry to match your expert knowledge yours.

Think about all the prices

Website design and development rates operate the gamut coming from cost-free to fix too by the hour. Hell, some companies also have tiered costs based upon the form of individuals do the job.

Past the preliminary design and development costs, ongoing fees, and costs should be understood before authorizing the contract.

Attention to details

Lately, a person in my network has revealed the launch of their brand-new website. Of course, there was a web link to the new internet site in the article.

Epic neglect.

Listed here’s an opportunity to sparkle on social media sites. However, the opportunity was shed because their web creator either failed to make an effort or even could not comprehend precisely how social media sites channels work. A lot more essentially, the absence of the correct label and explanation will likely damage their online search engine positions.

It’s minutiae enjoy this that, gradually, can aid make or break a brand name’s digital residential properties. A great web development company has the expertise. Also, it comprehends the usefulness of just how social media and search motors present info coming from internet sites. They collaborate with your company to ensure these bases are dealt with to ensure you’ll consistently be placing your flawless face forward.

And also, it reveals interest in the information. That is the sort of company that makes certain that whatever is examined, at that point, double-checked. Appearing indeed at the above qualities can quickly help organizations make an extra informed decision when it comes to the web design company they use; and safeguard a web existence that will stand up to the exam of opportunity.

@henixweb @dribbble-blog1

#blog #henixweb #website #design #developer #debelopment #wordpress #cms #UI #ux #inspiration #ahmedabad #india

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saleshoesggdb-blog · 6 years ago

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Golden Goose Superstar Man Sale UK Your the Net Business lottery Jackpot An Optin Email List

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samuelfields · 6 years ago

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How To Fail At Getting The Lowest Mortgage Interest Rate Possible

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Originally, I was going to entitle this post, How To Get The Best Mortgage Interest Rate Possible. But after a couple weeks of battling, I failed to do such a thing due to a lack of convincing skills, poor timing and good old fashion bait and switching.

Before I tell you about my failure, let me tell you how I recommend getting the best mortgage rate possible. I’ve refinanced eight times across four properties over 16 years.

I never thought I would refinance again given we were in a rising interest-rate environment. The Fed decided to kill our expansion in 4Q2018 when they signaled a couple more rate hikes in 2019 and beyond.

It also felt good when I paid off my last property in 2015. With rising cash flow since then, I figured I would just pay off my 5/1 ARM that was set to adjust this summer to 4.5% from 2.5%.

But since the Fed backtracked, mortgage rates have collapsed in 2019 and will likely stay depressed for the foreseeable future. I figured it was worth refinancing again, especially if I could get a reasonable rate with all closing costs baked in.

In the end, I locked in a 10/1 ARM for 3% with -3.75 points equal to a $3000 credit towards closing.

This rate is pretty good, but I could’ve gotten better terms. This article will help you figure out what to do and what not to do to get the best mortgage rate possible.

How To Get The Best Mortgage Rate Possible

The key to getting a better price is to always generate competition. For example, the more employers compete for your services, the more you will get bid away for a higher salary.

I still remember sitting in the living room of a house I wanted to buy back in 2004. The asking price was $1.55 million and it had been sitting on the market for two months. I was tempted to offer $1.45 million, which is unusual in a market like San Francisco.

I had made up my mind to low ball the sellers when in walked a doctor couple at the open house. They sat in the dining room and marveled at the wainscoting, crown molding and high ceilings.

Suddenly, my desire to low ball faded away due to perceived competition. Instead, I offered $1.525 million, or $75,000 more than I had planned. I still wonder to this day if my emotions got the best of me. Thankfully, it all worked out in the end.

Here are the steps I take to get the best mortgage rate possible. Miss one step and your failure rate will go way up.

1) Get written official quotes from competing lenders. Verbal offers mean nothing. Everything must be writing in order for you to get the best rate possible. I usually just fill out my mortgage request with LendingTree because they are an affiliate partner and are listed on the New York Stock Exchange with a ~$4 billion market capitalization.

Their lenders aggressively contact me over phone and email after I input my criteria, and then they send me written offers that I use for my next step. Quicken is also another good online source for written quotes. But I haven’t used them in years.

2) Contact your relationship bank. Your relationship bank is the key to getting the best mortgage rate possible. They have a lot of your money and you probably have multiple accounts open with them. They certainly don’t want to lose your business.

If you have competitive written offers, you need to present those written offers to your banker or mortgage loan officer and tell them to beat your written offers, not just match. If you have uncompetitive written offers, then you need to continuously search for better offers to get your relationship bank to beat.

One strategy is to scour the internet and take snapshots of teaser rates some lenders or marketplaces offer if you just can’t get anything official in writing. Teaser rates are often filled with onerous terms, but you can use them to your negotiating advantage.

Through the Financial Samurai community and through the FS Forum, I was able to crowdsource what other people got when they refinanced as well. In other words, it’s good to leverage a financial community whenever you’re doing something financially related.

3) Promise more assets. A bank wants its customers to have as much money with them as possible. Further, they want you to open up as many different accounts as possible to keep you as a sticky customer.

Examples of different accounts include: checking account, business checking account, savings account, mortgage account, wealth management account, home-equity line of credit, and a personal line of credit.

The more money you can bring over to the bank and the more accounts you can open, the more attractive your mortgage interest rate offer will be.

Banks have different tiers based on how much you have. For example my bank has one tier if you have at least $250,000 in assets with them. The next tier is if you have $500,000 – $1,000,000 in assets with them. Their highest tier is if you have over $1,000,000 with them.

4) Be ready to transfer funds away. Moving funds is a hassle, but you’ve got to be willing to move your assets if your relationship bank does not match or beat a competing offer.

You don’t have to close all your accounts. You just have to be willing to open up a new account with a different bank and go through the process of electronic funds transfer.

How I Failed At Getting The Lowest Mortgage Interest Rate

The best mortgage rate I could have gotten was 2.75% for a 7/1 ARM with no refinancing costs at Wells Fargo if I transferred over $1 million. If I transferred over $500,000, I could have locked in a 2.875% 7/1 ARM with no refinancing costs.

This rate was introduced to me by a Financial Samurai reader. The reader took a couple days to get back to my e-mail requesting for the lender’s contact information. As soon as I got the information I showed the rate offer to my existing relationship bank of 18 years, Citibank, to see if they could match.

I had just locked in my 3% rate with Citibank, which I thought was pretty good after the 10-year yield declined to 2.45% from 3.2%, but had not given them approval to start the process yet.

Important: You’ve always got time to make a final decision after you verbally agree to lock. Nothing is official until you sign an “approval to proceed” document. Do not let banks bully you into proceeding right away. Instead, use this window to see if you can get a better rate elsewhere or see if mortgage rates decline further.

Surprisingly, Citibank told me they could not match the rate even though they said I could probably get 2.875% with minimal closing costs if I locked with them when I did at 3%. When I verbally agreed to 3%, they said they were going to have a special promotion the following week to get me down to 2.875%.

I was led on.

I told them I was going to move over $1 million in assets to Wells Fargo if they didn’t at least match the 2.875% rate. The mortgage lender said he’d go to the head of mortgage lending in San Francisco to see if he could get me down to 2.875%.

I waited another day, and the Citi mortgage head said he, unfortunately, still couldn’t match 2.875%. At least he gave me another seven days to decide whether I should refinance with Citibank at 3%. Now I was much more motivated to work with Wells Fargo.

It took about another day and a half for the Wells Fargo mortgage officer to get back to me. We spoke at around 5:15pm. He said I could absolutely refinance to 2.75/2.875% if I brought over $500,000/$1,000,000 in funds. But first, I had to send him some common documents such as my W2, 1099s, rental statements, K-1s and so forth.

I got back to Wells Fargo at around 7:30pm and he said he’d review the documents and continue our dialogue the next morning. He believed we didn’t need to rush because rates looked unchanged that evening. I agreed.

When he called me the next morning at 10am, he told me the bad news. His bank informed him as of that morning, they decided to discontinue their special mortgage rate promotion! There was just too much demand.

Do I have terrible timing or what?

But of course, he said if I wanted to refinance with him I still could. The rate would no longer be 2.75/2.875% with no fees but 3%/3.125% with no fees. Uh huh.

No thank you! I got bait and switched again. If I’m going to get bait and switched, I might as well do business with my OG bait and switcher bank.

Luckily, I didn’t waste too much of my time because the documents I gathered for Wells Fargo were necessary for my refinance with Citibank. I simply forwarded them over.

The Refinance Rate Is Good Enough

So there you have it. While I was busy writing articles encouraging readers to refinance during a flat or inverted yield curve, I wasn’t spending enough time aggressively trying to refinance my own mortgage.

I put too much faith in Citibank to match the better offer. This cost me time and motivation with the competing bank. Nor did I pounce hard enough on the 2.75%/2.875% offer with Wells Fargo because I admittedly didn’t want to move my funds. If the rate was 2.5%/2.65%, I probably would have locked in.

Wells Fargo’s offer was a special situation because their CEO had just resigned due to a lot of financial shenanigans that went on under his watch. They needed to drum up business and regain some faith in the community.

Also, I got a 10/1 ARM instead of a 7/1 ARM. Therefore, I have three more years of peace of mind, which also makes me feel slightly better about my higher rate.

If I pay off my new 3% mortgage in five years, my blended 10-year mortgage rate will be 2.75%. Not bad. Further, my monthly payment declines by $800, which is a nice cash flow increase in case the economy turns south.

Finally, I’m happy several readers e-mailed in saying they succeeded in refinancing to a lower mortgage rate after I published my series of articles. Helping readers save money is the best!

I hope everyone can take advantage of lower mortgage rates. It feels like things are back to bull markets once again.

The Anatomy Of An Adjustable Rate Mortgage Increase

The Return On Rent Is Always Negative 100%

Readers, anybody refinancing now? What mortgage rate and terms did you get? What mortgage refinancing battle stories do you have to share?

The post How To Fail At Getting The Lowest Mortgage Interest Rate Possible appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/how-to-fail-at-getting-the-lowest-mortgage-interest-rate-possible/ via http://www.rssmix.com/

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mcjoelcain · 6 years ago

Text

How To Fail At Getting The Lowest Mortgage Interest Rate Possible

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Before I tell you about my failure, let me tell you how I recommend getting the best mortgage rate possible. I’ve refinanced eight times across four properties over 16 years.

It also felt good when I paid off my last property in 2015. With rising cash flow since then, I figured I would just pay off my 5/1 ARM that was set to adjust this summer to 4.5% from 2.5%.

In the end, I locked in a 10/1 ARM for 3% with -3.75 points equal to a $3000 credit towards closing.

This rate is pretty good, but I could’ve gotten better terms. This article will help you figure out what to do and what not to do to get the best mortgage rate possible.

How To Get The Best Mortgage Rate Possible

The key to getting a better price is to always generate competition. For example, the more employers compete for your services, the more you will get bid away for a higher salary.

I had made up my mind to low ball the sellers when in walked a doctor couple at the open house. They sat in the dining room and marveled at the wainscoting, crown molding and high ceilings.

Here are the steps I take to get the best mortgage rate possible. Miss one step and your failure rate will go way up.

The more money you can bring over to the bank and the more accounts you can open, the more attractive your mortgage interest rate offer will be.

4) Be ready to transfer funds away. Moving funds is a hassle, but you’ve got to be willing to move your assets if your relationship bank does not match or beat a competing offer.

You don’t have to close all your accounts. You just have to be willing to open up a new account with a different bank and go through the process of electronic funds transfer.

How I Failed At Getting The Lowest Mortgage Interest Rate

I had just locked in my 3% rate with Citibank, which I thought was pretty good after the 10-year yield declined to 2.45% from 3.2%, but had not given them approval to start the process yet.

I was led on.

Do I have terrible timing or what?

But of course, he said if I wanted to refinance with him I still could. The rate would no longer be 2.75/2.875% with no fees but 3%/3.125% with no fees. Uh huh.

No thank you! I got bait and switched again. If I’m going to get bait and switched, I might as well do business with my OG bait and switcher bank.

Luckily, I didn’t waste too much of my time because the documents I gathered for Wells Fargo were necessary for my refinance with Citibank. I simply forwarded them over.

The Refinance Rate Is Good Enough

Also, I got a 10/1 ARM instead of a 7/1 ARM. Therefore, I have three more years of peace of mind, which also makes me feel slightly better about my higher rate.

Finally, I’m happy several readers e-mailed in saying they succeeded in refinancing to a lower mortgage rate after I published my series of articles. Helping readers save money is the best!

I hope everyone can take advantage of lower mortgage rates. It feels like things are back to bull markets once again.

The Anatomy Of An Adjustable Rate Mortgage Increase

The Return On Rent Is Always Negative 100%

Readers, anybody refinancing now? What mortgage rate and terms did you get? What mortgage refinancing battle stories do you have to share?

The post How To Fail At Getting The Lowest Mortgage Interest Rate Possible appeared first on Financial Samurai.

from Money https://www.financialsamurai.com/how-to-fail-at-getting-the-lowest-mortgage-interest-rate-possible/ via http://www.rssmix.com/

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geeksperhour · 6 years ago

Text

How the principles of Zoho propelled an Indian consultant to switch from Salesforce

In the 7th episode of Stories That Inspire, Vinay Nair, founder of Aarialife Technologies, tells us the story of his entrepreneurial endeavor. From starting out in business at the young age of 26, to going on an educational detour to Harvard, and figuring out his alignment with Sridhar’s vision for Zoho, Aarialife is now the fastest growing partner!

Adhya: How did you come to love technology?

Vinay: The internet had always fascinated me. During the ’90s, when I was in college, I got myself engaged in part-time positions. It was a time when the internet had just entered India. So, one of my contractual stints had me talking about the potential that the internet brings along. Those were the days when people were hooked with dial-up connections and played with shell command prompts for data exchange. The internet was nascent, and I went around talking technology to the subscribers of the net!

Adhya: So, when was your first professional connection with IT?

Vinay: My initial interaction with technology happened just after I graduated from college. Arvind Mills, a manufacturing firm in Ahmedabad marked my first step into the technical world. I was a part of its IT department and my first project was an SAP rollout for the company. This became my first exposure to an enterprise application.

Adhya: How did the shift to SaaS happen?

Vinay: After my stint in Arvind Mills, I moved into Pune to work for Kale consultants in 2001. They were the leaders of airlines software. I was a member of their network assistance team, tasked with the responsibility of hosting the client-server based applications on the internet.

I got an opportunity to travel to the data centers and get a glimpse into how applications are hosted on the web. Back in my college days, I just preached about the internet as a dilettante, but this was real-time exposure to the knowledge that anything could be accessed over the internet!

Adhya: …and how did entrepreneurship come into the picture?

Vinay: After a couple of years at Kale, one of my relatives wanted to build a business around the IT industry. I was just 26 when he approached me to shape his business as an intrapreneur. Given my upbringing in Gujarat, one of the largest business community, I guess, I was also unknowingly inclined towards entrepreneurship. Now that I had an investor from my own family, I felt that it would be a fantastic opportunity!

Adhya: That’s very young! Were you ever worried about what would happen if things didn’t go according to plan?

Vinay: Well, I was 26 and had just got married, so my mind was entirely focused on the future. My wife was doing her PhD then. So, I felt that even if I didn’t make the cut, she would always be there to support me both financially and emotionally. We both had discussed this idea before stepping into the boat. Our decision was to give it some time of 2 or 3 years before making the final call. And that’s how my entrepreneurial journey started!

Adhya: What were your initial struggles with setting up the company?

Vinay: Getting started was hard on us. We wanted to be an IT company, but we weren’t certain about what we needed to do. Gradually, we figured out the potential behind business applications. It was 2003, and there weren’t many in the Indian market so we decided to do something on the cloud. Back then, Salesforce and Netsuite were the only two solutions and we narrowed down on Netsuite for the breadth of functionalities it came with.

Adhya: How were your first few years into business?

Vinay: It was very challenging. Despite the immense potential in the products, people would revert with, “Oh! It doesn’t work without internet?”, and that would be about it. The Internet at that time was inconsistent. BSNL was the sole internet service provider in India. This made our first couple of years pretty rough with almost no clients. By that time, all my colleagues were in a steady job and I was pondering the path I chose to take!

Adhya: What was your feeling then?

Vinay: Since we’d already given 2 years to the business, I felt that we need to go through the motion for another year too. Fortunately, the following year, 2006, changed our entire game!

Adhya: What happened that year?

Vinay: Unilever was launching Purit, a water purifier system in India. When I met the CTO, he said,

“Vinay, all these years we were just about distribution, but for promoting Purit, we want to know our customers. We need a CRM, call center system, and an inventory management system. We are very particular about moving onto the cloud because we don’t know where our shops will be set. So, we need something that runs entirely on the internet”.

So, Chennai was their pilot area. They’d set up safe water zones across the city to sell water purifiers in every home at a given area. So, we configured a system with Netsuite to keep track of the data from the system. We basically competed against Microsoft and SAP.

Unilever liked what we’d offered and this gave us our first big break! Till today, this stands as the largest cloud-based deal in India. The solution involved 2000 users in India, and expanded to 9 more countries globally!

Adhya: Wow! That’s huge!

Vinay: Absolutely! It set us on the path to growth. Very soon, we landed multiple enterprise. Consequently, we set up offices in Dubai and Canada. By 2016, I’d grown the company to around $6 million dollars in revenue. Gradually, I figured out what needed to be done next.

Adhya: So, what was next?

Vinay: With such massive growth in my business, I was able to invest in my wife’s venture into entrepreneurship, and in 2009, Aaria Biolife was born. Given her science background our vision was to eradicate environmental issues with the help of science. So, we focused on the agriculture sector and began with manufacturing organic agri inputs. Today, this is being used by 30,000+ farmers.

Adhya: So, how did the IT wing of Aarialife happen?

Vinay: Not so early!

In 2016, I decided to move out of my engagement with the IT sector and went on a year’s recess. I had started business at a very young age and had no time to complete my higher education. I had also found a passion in entrepreneurship and wanted to know more about growing a business. That’s when I came across a one year course at Harvard, for which I had to be in Boston for 2-3 weeks in a quarter. I felt that the timing was just right to start there.

My exposure and experience in the Harvard ecosystem gave me a new perspective towards business. It inspired me to restart my IT business, and in 2018, Aarialife Technologies happened. This time, I had my vision very clearly laid out – technology for the greater good. The core team was formed by my colleagues from my previous business who were eager to collaborate once again.

Adhya: Last time you were with Salesforce and Netsuite. Who were your product partners this time?

Vinay: The first step of Aarialife Technologies was to take up the Netsuite partnership. We’d been very successful together previously, and they wanted us to continue the legacy. The second in line was Zoho.

Adhya: Netsuite has been with you all through your entrepreneurial journey. What’s the connection?

Vinay: Netsuite comes across as a cloud-based ERP, with accounting, inventory, finance, and above all, the branding of Oracle. When we approached Netsuite back in 2003, they did not have any office or partnerships outside of the US and were surprised with my request from India. So, in 2003 we became the first Netsuite partner outside of the US, and today, our association cotinues.

Adhya: This time, what made you pick Zoho over Salesforce?

Vinay: With Salesforce, I was restricted to just CRM. So, if a prospect says that they don’t need a CRM, then my doors to the company are actually shut. But, my vision was to sell to any section of a major business, and Zoho was a natural fit with its 40+ applications that can run an entire business on the cloud, perfectly complimenting to my Netsuite’s offering.

Also, all through my life, I worked with American products, but deep down, my heart craved for something from my home country. Coincidentally, I came across one of Sridhar’s videos at Tenkasi and that’d struck my heart strings! Zoho was a natural fit into my principles of business.

https://

//www.youtube.com/watch?v=bZBYv8BI4ys

Adhya: You resonate a lot with Sridhar’s vision for Zoho!

Vinay: Indeed, I am aligned to Sridhar’s school of thought. But this was not something that I read, and then fit my business model to. It was the way we were, even before coming to learn about Zoho University and the recruitment processes at Zoho.

We also hire people from second and third tier cities who come from a lower-middle to middle class income background. We also work on providing internships and creating opportunities for the differently-abled because we want everyone with the skill to get a chance to express it.

My first 12 years into entrepreneurship were all about money and closing clients, but today, Sridhar’s vision has given me an entirely new perspective on running the show.

Adhya: With two products under the same banner, how was your focus divided?

Vinay: Initially, Zoho was only an option when people said no to Netsuite. This was my approach in the start. I was like everyone else who thought that Zoho was just about CRM. But the very instant I got introduced to Zoho’s product range, I was blown away! Zoho is indeed a pioneer of digital transformation that gave me a full platter of products. Almost instantly, Zoho also became our mainstream practice.

Adhya: How different is Zoho from all the other products you’d worked with?

Vinay: Firstly, it is about the people in Zoho; there’s an Indian touch to everything. The company always puts the client’s need above all with the primary focus revolving around creating a difference. Revenue and other aspects of business have always been secondary.

The next, would be the product catalogue of Zoho; there’s always one for every business need in existence.

The final differentiator would be the amazing management at Zoho who are humble and always approachable!

Adhya: How has the journey with Zoho been since then?

Vinay: Zoho has indeed surprised me. We started selling Zoho in May 2018. Today, we’ve got 112 clients spread across 12 countries in less than a year. Ambi and Tonia had mentioned that ours was the fastest to scale to the advanced partner tier. It is a serious business now and we’ve begun investing in practice.

Adhya: That’s fantastic growth! How are you planning on carrying forward your momentum?

Vinay: We’ve collaborated with Zoho management to figure out what more we can do. Our logical choice was to extend the Zoho offering from our offices in Dubai and Toronto. In fact, we landed a sizeable deal of $60,000+ for a utility company in Dubai.

Also, a recent discussion with Zoho had put us on the path to the enterprise market. We are intend to partner with the EBS (Enterprise Business Solutions) team and both of us are now working towards a common goal.

Adhya: So, what is your marketing game plan now?

Vinay:

If you call someone, you are a sales guy. But, if someone calls you, you are a consultant.

So, 70% of our efforts are on inbound marketing. In fact, we’ve very recently updated our website to a clean layout and even started to write blogs. We’ve also got a couple of videos on customer success stories lined up on our inbound marketing plan. Zoho has been very kind to help us with it. Although inbound is our focus for the present, we will also be engaged in outbound marketing with our feet to the grounds of the territories where we’ve got a physical office.

Adhya: What are your plans for this year?

Vinay: For this year, we’ll also be targeting enterprise clients (200+ users) for Zoho. With Zoho also contributing to this passion of ours, we’ve partnered with the EBS team of Zoho.

We’re also looking to expand our market presence by opening up offices in Banglore and Delhi for the Indian market. In North America, we are based in Toronto to handle the US market, but are looking to set up a local operation, too. We’ve been in discussion with Zoho on a couple of territories for our international expansion.

Apart from Zoho, we are also working on creating a technology platform for farmers. This is our product business that is currently under development.

Adhya: What’s the connection between the agricultural and technical wings of Aarialife?

Vinay: Apart from our technology platform for the agriculture sector, I’ve personally been a proponent of “grow your own food” because 70% of the issues with human is contributed by the type of food people consume. So, our two-storey building is home to not just our office but also the food we eat. Our indoor farming practice has got the walls and terraces bearing the vegetables that our employees take home for their daily meal. So, our vision is driven by Zoho’s principle of “small office, home office,” with the small now getting bigger and better.

Adhya: Wonderful! But when it comes to consulting, CRM has always been the focus. Why?

Vinay: CRM has always been the easiest on cloud, because the sales guys are always travelling, and they need to be able to access data from wherever they are. But when it comes to finance and inventory management, those guys never travel! So, people start challenging the introduction of cloud software in those arenas.

Today, the focus is more about running the business. People don’t want to be bogged down with the work of checking the hardware, the backup, and every other entity that is just an ancillary. So, the focus today is more than just CRM. It is about the business operating system that Zoho stands for and I believe that this improves the “business of doing business”!

Adhya: Now that you’re a growing company, what are your efforts on customer retention?

Vinay: From this year, we’ll be having an AMO (Account Management Office) team. Initially we weren’t ready for this massive growth, but now that we’re here, this will be our focus. The Zoho catalogue is vast with over 40 apps, and now, as we speak, another 2 might have been added, haha. So apart from renewals, this team would also be looking into up sell and cross-sell opportunities. They would be managing and engaging our existing clientele.

Check out Aarialife Technologies here

Know more about Partners @ Zoho here

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parisawithlove-blog1 · 8 years ago

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pink-panties · 8 years ago

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And so, I broke up with my partner. It didn’t go as badly as I’d expected. I need to get all of this out in writing and give myself closure. *Trigger warning for attempted suicide and abuse

I’ve been with him for almost 4 years. I was lonely, so was he. He was tall, broad shouldered with charm and charisma; I was a short fuck who was just out looking for some company. We met for a meal and I thought I felt something, so did he. We got together after a month. We were happy. We had plans for the future. I moved in with him. Into a house shared by him and his brother. I delighted in the idea of some semblance of freedom from my conservative family. We were blissful for some time. It started slowly, the first niggling signs I chose to ignore. He was jobless, he selectively applied for jobs that were out of his scope. Refusing to try for lower tiered jobs that would give him experience and a chance at advancement. He despaired. He got angry. He felt useless. He wanted me out of his life, didn’t want me anywhere near him. Still I stuck around. Encouraged him to re-enroll in school again and finish his degree. He tried. He raged at everything, at classmates who appeared to be more talented than him. At professors who didn’t understand his works and his writing. He felt untalented. Unmotivated. Unwanted. He got salty at classmates who got better than grades than him, felt them to have done inferior quality work compared to him. Angry for constantly being last picked or passed over by classmates for group projects. He raged. He always had a temper problem. I tried to be patient. Tried to be motivating and encouraging. Tried to get him to manage his temper. Tried. He would lie catatonic in bed for days at a time, lost in a fugue. I would cook for him, look after him. Support him financially however I can, in hopes that one day he would get better. He asked me to leave him. He didn’t understand why I would stay with a useless person like him. He wanted to die. He was just taking up precious resources on this earth and not contributing in anyway. There were times when he threatened to kill himself, and it would get so bad that I had to leave work and take a cab back home to talk him out of it. The worst was when I rushed home to try and talk him down from the window ledge that he was standing on. We spent hours at an impasse, me at the doorway of his room, him on the window. He threatened to jump if I so much as put one foot forward into his room. I’d never cried so much in my entire life. Perhaps I dream too much, the human imagination can be a very dangerous thing, giving you false hopes and lulling you into a false sense of security, thinking that it will be like a tv drama where in the end everything gets better and you have a happily ever after and you walk down the aisle crying tears of joy. I dreamt too much. It happened one day, he was having another depressive episode and tried to get me to leave him. Without any warning, in a fit of frustration, he hit me across the face. He was shocked. I was stunned. I made up excuses for his behaviour in my head. He was stressed. He was acting out. I deserved it. But subconsciously I knew it was all bullshit. I slept it off and tried to dismiss it as a one off experience. Remember the bit I shared that I dream too much?

I was too idealistic. It happened again. and again.

and again.

If you look closely at me one day, you would see that there’s a small almost unnoticeable lump on my forehead. I don’t really remember what happened. Maybe I chose to try and forget it. But I do remember that it was caused by an elbow.

I went back to my parents for a few days. My close friend advised me to leave him. During that period of time I picked up Overwatch. I made an acquaintance with Asynca, I don’t know how or why but I ended up confiding to her. Both of them talked to me for quite abit, saying that I was better off without him. That I deserved someone better. That I was not living up to my potential by being with a person like him. I thought about what they said for a long time.

Did I mention to you that I dream too much? Once bitten, twice shy, right? Wrong.

I returned to him. Still determined to try and help him. He’d learnt the error of his ways, and promised to not hit me anymore. Things went well for awhile. He graduated. Got his degree. He wanted to relax for a spell before he joined the work society. On my salary. I was happy. It stopped the moment he tried applying for jobs again. He got rejected countless times, never hearing back from interviewers again. He felt useless, humiliated. I continued supporting him, taking on more shoot projects for some extra money. There were months when money was tight, we’ll quarrel and fight at times because of it. He’ll suffer another depressive episode because he felt he was useless and not contributing and he would lie in bed all day, sometimes his mood would seesaw, he could be singing at the top of his voice one moment and then the next be angry and banging things around the house, shouting at me, demanding to know why I stayed with a person like him. I clammed up, keeping silent, not knowing why I stayed. My silence only served to enrage him further. He would get into a frenzy, pacing up and down the kitchen while getting dinner ready, he couldn’t concentrate. He would fumble up whatever he was cutting/cooking, get frustrated and sometimes yell. There was once he got so worked up and overwhelmed he broke down, crying and pulling at his hair, hitting himself hard on his chest. I was worried that he would lose his head and hit me again, but he remained true to his promise; he never laid a finger on me, instead he directed it all on himself instead. He grabbed a plate and started hitting himself on the head with it repeatedly with growing intensity before the plate cracked in two, only then did he stop, realizing what had just happened. We’d lie in bed afterwards, him in a state of remorse, me, numb and tired of everything. We both knew that he needed professional help, but he was a very proud person with a very big ego and refused to see anybody about it. His parents are divorcees who never settled properly. Years had gone by before his father, a businessman, needed more money as his business was not doing well. He thought it a good time to contact his ex-wife to conveniently decide on closing the long overdue settlement with suggestions of putting up the house up for sale so that they could split the proceeds from it and pump the money back into his business. My partners mom, a real estate agent, decided that it was a good idea and thought this would be a good time for us to settle down and get a house of our own. Without properly consulting me or asking me what I felt, she started sending me listings of properties for sale, saying that it’s time for us to move out and get married, she even went so far as to pressure me into almost applying for a loan for a apartment unit that was allegedly going for a steal. I panicked. I wasn’t ready to settle down yet, that much I knew. My partner was still financially unstable, still wouldn’t address his problems much lest seek help for it, it would be crazy to sign my name on the dotted line for something that would take me many years to pay off without any contribution from him. I muted my phone. I ignored phonecalls from him and his mother. I couldn’t take it anymore. I didn’t know if I could keep doing this. I opened an internet browser and started looking for moving companies to move my stuff out from the house. Still, I hesitated. I didn’t follow through in the end. I went home. He was surprisingly more composed than I was. We had a long talk, about my worries, about the loan, about him. He took it all really well. He contacted his mother and told her off for pressuring me like this, demanding that she put off the sale of the house first. He broke down when he realised how close he/I was to having the movers come over to move my shit out. I stayed in the end. By then, a part of me had died.

I was tired emotionally, I’m surprised I lasted this long. He still has his moments when he gets angry and loses his temper and starts questioning me over why I stayed. I stopped responding much to his insults and anger. I chose to bury myself in work and gaming instead, and was fortunate enough to make friends with a group who I regularly play with online at night, friends who I catch up with once in awhile over meals. Friends who had a rough inkling of what’s going on and had my back, encouraging me to try and move on and be happy. They don’t know it, but they helped me discover abit more about myself as time went by.

For once, I felt ready to move on. Like I said, it has been almost 4 long years of trying to be there for him. But this time for the sake of my own happiness, it was time to put myself first again. I had a month long company work holiday trip coming up in May, I thought it would be a great time for me to take some time away to reflect and steel myself for the separation. I gradually stopped reciprocating his displays of affection. He noticed. He got frustrated over it and tried to find out why. As usual I clammed up and made vague excuses. How was I going to break the news to him that I was leaving him? Eventually it happened. A few days ago we were lying in bed one night, he was upset that I was not spending much time with him, and was jealous that I spent most of my time alone or gaming online with my friends. He asked if I still loved him. I kept quiet for a very long time, not daring to answer. He persisted, refusing to let the matter rest until I addressed the issue for once. I still love him, but it’s not the same anymore. I didn’t want to settle down with him, that much I know. I told him flatly that I don’t know anymore. He understood at once that it was over.

I expected anger from him, shouting, tantrums. I got none. Instead we lied in the dark in silence for a very long time. He spoke. He wants me to be happy no matter what. If I want a separation, so be it. He asked if we could still remain as friends at least, he asked that I use the trip to take some time off and think.

Everything has been moved forward in my plans now. I don’t know. We still talk but it’s more cordial and friendly now that everything is out. Sometimes I wonder if I’m doing the right thing, leaving him. But I know that it’s time for me to keep moving on for my own sake and happiness. I don’t know how I’ll fare as time goes by, I hope it goes well at least. But I have no regrets at all, be it with moving on, or being with him for 4years. Consider this a life journey for me, or a painful learning experience.

I will live with it. I will move on no matter how long it takes. I will try and be strong.

#personal #sorry it's so long #but i have to get it all out #those of you who lent me your ears #you know who you are #thank you

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ronaldmrashid · 8 years ago

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Financial Samurai 1Q2017 Investment Recap

One of the best ways to eradicate financial distortion is by meticulously tracking all investments. I’m pretty sure none of us will remember the exact details of what we bought, when we bought, and how much we bought years from now. This may lead to a significant miscalculation in cashflow during retirement. As a result, I’ve decided to start a quarterly investment tracking series.

The other reasons for this new quarterly series include: 1) earning enough to invest $20,000+ a month, 2) getting feedback about my investments since I’ve made terrible choices before, 3) starting an ongoing discussion about any new investments to consider, and 4) discussing the current investment landscape. The ultimate goal for all of this is to be able to spend maximum time with the kid(s) when they arrive. I’m deathly afraid of having to go back to work full-time.

Most people in America just spend most of what they make. Others just contribute to a 401k or IRA and then spends the rest. I want you guys to max out your pre-tax retirement accounts AND invest an additional 20%+ in post-tax investments each year. If you want to achieve financial freedom sooner, you need to have a sizable after tax portfolio that throws off livable income.

1Q2017 Financial Samurai Investment Review

Because I’ve achieved my net worth target, I’m not looking to take on too much risk. Instead, if I can grow my net worth by ~5%, or 2X the risk-free rate of return, I’m content. I no longer look at my investments as a way to achieve financial freedom. Instead, I look at my investments as a way to maintain financial freedom while providing a slight tailwind for net worth growth.

The main driver of my net worth growth is my online business, which is currently trouncing every other asset class due to a high correlation with effort and reward. I worked my ass off in November, December, January and February to take advantage of the inevitable new year’s rush. I’m now reinvesting that income to generate more passive income. Start your X Factor now while you still have the energy. It might change your life forever.

Here’s my 1Q2017 investment tracker spreadsheet.

January Investments Overview

Stocks ($21,000): I was cautious on the stock market in January, but couldn’t resist investing $21,000 in an Amazon structured note paying a 9% annual dividend for two years with a 25% downside barrier. I basically made a bet that Amazon would not decline by more than 25% for the reward of earning a 9% dividend. Amazon is a monopolistic juggernaut with two main businesses. They will use their monopoly to subsidize new businesses and crush the competition, exactly like Google.

Real Estate Crowdfunding ($25,000): I committed $250,000 to the RealtyShares Diversified Marketplace Fund because I’m bullish on the real estate crowdfunding sector, don’t want to buy more physical property due to maintenance hassles, love having a real underlying asset, and figure who best to pick the best deals on their platform than the very people who vet all their deals? The preferred return is 8% with a target IRR of 15% over five years with a 0.8% management fee. Given the fund’s goal is to invest in roughly 10 deals, each deal will be valued at $25,000 ($250,000 / 10 deals) in my portfolio. The money that is not invested sits in my account accruing interest.

I’m very happy the fund decided to invest in an Austin, Texas multifamily property with a 13% preferred return since I’m bullish on Texas, and other heartland states. Although prices have moved higher in Austin like most of the country, valuations are still so much cheaper than coastal city real estate.

February Investment Overview

Stocks and bonds ($0): The S&P 500 performed incredibly well, making up the lion’s share of 1Q’s 5% gains. I could not commit any more money to the stock market due to valuation worries and a lack of attractive hedged investments. Instead, I rebalanced my SEP IRA, Solo 401k, and Rollover IRA from roughly 65% stocks / 35% bonds to 50% stocks / 50% bonds at the end of the month.

Real Estate Crowdfunding ($25,000): The RealtyShares fund continued to stay active by investing in a Hayward, California multifamily project with a 19.2% target IRR. The fund targeted this project because of strong job growth in the East Bay as more people migrate out of more expensive San Francisco. The off-market transaction was acquired below replacement cost, providing for an attractive post-renovation yield.

Given I’m already long three properties in San Francisco, this project is not a property I would have invested in. I’m looking to diversify away from expensive coastal city markets because property prices are finally slowing. In the event of a tech/internet downturn, I don’t want to be over-levered here. Having no investment say is one of the downsides of investing in a fund.

For those who don’t live in the SF Bay Area, this investment looks intriguing because more companies are setting up shop in the East Bay (15-30 minutes across the Bay Bridge) due to lower costs (but it’s getting pricey quick). I went to Berkeley for business school (East Bay) so I’m relatively familiar with the area, the warmer weather, and the price arbitrage opportunity. If the project can earn half its target 19.2% IRR, I’ll be happy.

People are moving out of SF due to high cost of living. Hayward is about 28 miles east of SF.

Home Improvement ($8,000): I started on the final phase of my home improvement plans with the landscaping of my backyard. Given I live on a hill, my backyard wasn’t very user-friendly. The yard had also become overgrown with prickly blackberry briars. I decided to de-weed the entire yard and construct flat, multi-level tiers. The first tier is actually a 300 sqft kids playground. I’ve now got roughly 1,500 square feet more of flat lands. I’ll show you the final pics in a future post.

March Investment Overview

Stocks ($10,000): Despite rebalancing all my pre-tax retirement funds to a 50/50 stock/bond allocation, I decided to invest $10,000 in a 5-year buffer note on the Russell 2000 Index (RTY). The upside participation rate is 140% with a capped maximum total return of 50%. The note has a 15% downside buffer at maturity. I like buffer notes because if I’m down 20% on my RTY investment in 5 years, I’m actually down only 5%. The 140% upside participation rate is interesting because if RTY is up 25% in 5 years, I’ll actually be up 35%. The downsides of this note are the return cap and no dividends.

Bonds ($22,500): The 10-year yield reached 2.6% in March, so I bought more California municipal bonds. I purchased a $22,500 position in California Health Facilities Revenue Bond, with a 4.000% yield due 2/01/42. Getting a 4% net yield (equal to a 5.7% gross yield) because I was able to buy the bond close to par ($100) was enticing. 25 years left until the bonds expire is a long time, but I believe interest rates will stay low for the rest of our lives, thereby allowing bonds to maintain their value. I can always sell the bond before expiration.

My California municipal bond portfolio is now over $330,000, yielding roughly $8,800 a year in tax-free income. Since March, the 10-year bond yield has declined to 2.38% after Trump’s failure to pass Trumpcare. As a result, my bond portfolio is currently slightly in the money.

After a sell-off post election, bonds have rebounded/stabilized. Chart of CMF.

Venture Debt ($11,345): I received a capital call of $11,345 for my second venture debt fund investment. The total investment in this second fund is only $50,000 (compared to $115,000 in the first fund). The latest debt investment is in a gaming device technology company and a cosmetic company. Both investments seek to earn 12%+ a year in interest payments for three years with warrant kickers that could bring total returns to over 20% a year. Pretty interesting huh? I have zero expertise in these investments, but I do like the business of lending to well-funded startups and making a double-digit return without the need for a liquidity event that may never come. Related: Investing In Venture Debt

Home Improvement ($9,300): I paid the remaining $9,300 for the backyard landscaping for a total cost of $17,300. I’m really pumped with how things turned out, especially since I got bids for $50,000+! Instead of going with a large landscaper, I directly hired the guys working for a large landscaper. They were working for three months on a neighbor’s ~$120,000 project. So I just had a conversation with them one day to see if they wanted to work on mine on the weekends. Once you see the pictures, you’ll realize how large my project was. All I need to do now is spend ~$1,000 (!) on plants.

Real Estate Crowdfunding ($25,000): The Realtyshares fund invested in Avesta Biscayne, a 402-unit apartment community located near the Biscayne Bay shoreline in Miami, FL. Avesta Biscayne was built in 1985, but is located in a growing submarket and has in-place cash flow with an average occupancy of 94%.

Florida is not a heartland state, but it is a red state. I’ve always liked Florida given the warm weather and no state income taxes, so I don’t mind gaining exposure here. Miami is booming again. However, let’s hope job growth continues because Miami also went through a massive condo bust during the downturn.

Ideally, I want to focus on Colorado, Utah, and Texas real estate, which can still be done with individual investments on the RealtyShares or Fundrise platform.

1Q2017 Investment Wrap Up

So far this year, I invested $163,145 in 1Q2017 compared to my objective of investing at least $60,000 a quarter. This difference makes me want to slow down because it seems like my new year’s enthusiasm is overly influencing how much I should be investing.

That said, there were a number of positive financial events that occurred in 1Q17 including: 1) record online revenue growth, 2) getting my final severance check of $65,695, and 3) a $331,718.41 CD that came due seven years later.

The image below shows my closed USAA CD hitting my bank account and a $225,000 transfer the very next day to invest in the RealtyShares fund. I reinvestment so quickly because I spent 8 months researching the space prior in anticipation of the Cd expiring.

I had already transferred $25,000 to the fund in January. Only ~$75,000 of the $250,000 has been deployed because only three investments have been made so far. The rest of the $175,000 is accruing interest at an 8% preferred rate. In upcoming quarterly updates, I’ll add the remaining $175,000 balance as investments are made.

A beloved 4% yielding CD finally closed. Due to 8 months of research before expiration, I was comfortable re-investing $225,000 the very next day.

In order to maintain a passive income goal of $200,000 a year, I’ve got to find ways to prudently reinvest the $331,719 closed CD because it was providing a gross $13,268 a year in guaranteed passive income (4%). One way to recover the lost passive income is to earn an 8.13% return on the $163,145 I invested in 1Q17. It’s possible, but I’m not banking on it. If my entire $250,000 allocation in the Realtyshares fund achieves a 8% return, that equals $20,000.

The below chart shows my estimate total return for each asset class and the corresponding passive income amount for the quarter. I’ve tried to be on the conservative side, while also assigning zero returns for home improvement. For example, I’m confident the $21,000 Amazon position will pay out a 9% annual return because the stock is now 10% higher than where I bought it. Meaning, the stock has to go down 35% from here for me not to earn my 9%.

Future Investments

After paying 1H2017 property taxes, I’ll have ~$205,000 in cash left over to invest. The problem is, I don’t find stocks, bonds, or any private equity investments attractive at the moment. Do you? We just launched a missile strike against Syria, which means we’re now vulnerable to more attacks at home.

Therefore, I plan on making extra principal payments towards my 4.25% vacation property mortgage, meeting capital calls for my venture debt fund, and deploying real estate crowdfunding capital through the Realtyshares fund per their investment schedule. Any money left over will simply be saved until the 10-year bond yield breaches 2.6% or the S&P 500 corrects by at least 5%.

The bull market has turned out far better than I could have imagined. I was serious in my April Fools Day post about how I couldn’t bear buying a fancy car when the money could be invested for potential gains. Now the upside seems much less exciting, which conveniently makes it easier to spend.

Ranking The Best Passive Income Investments

How To Minimize Fees In Your 401k Through Portfolio Analysis

Readers, what did you invest in for 1Q2017? Notice any warning signs with my investments so far? Have you committed to an investment cadence beyond 401k and IRA contributions? Where do you see the stock market and real estate market heading?

from http://www.financialsamurai.com/financial-samurai-1q2017-investment-recap/

#Financial Samurai

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