#LLC Loan Officer

[nexamortagellc]

At NEXA Mortgage, LLC our only job is finding you the best loan program available. We are independent loan officers and do not work for one particular lending institution nor are we tied to just one product line.

[mypoisonedvine]

𝗼𝗻𝗲 𝘄𝗮𝘆 𝗼𝗿 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 | neil lewis x reader

𝘀𝘂𝗺𝗺𝗮𝗿𝘆 | a visit to gumshoe video could go one of two ways... but one way or another, you're gonna get him.

𝘄𝗼𝗿𝗱 𝗰𝗼𝘂𝗻𝘁 | varies

𝘄𝗮𝗿𝗻𝗶𝗻𝗴𝘀 | smut (18+ only), enemies to lovers, nothing too terrible just neil and reader bullying each other

this is a choose your own ending fic!! after the introduction, click to choose which way you want the story to go! each ending will have its own warnings section, so read those as well!

Technically, you always dressed well for work.  Corporate jobs require professional attire, obviously; but you were slightly overdressed today, and it wasn’t to go into the office.

Tight skirt and matching blazer, a silky-satin button-up, black heels, and thigh-high stockings with a seam up the back.  No, this wasn't how you dressed for a day in the office… this was how you dressed when you were closing a deal.

A little bell dinged as you walked into Gumshoe Video, and you looked around for a moment after you stepped inside: the decorations were… plentiful, and kitschy.  The displays were so small, and just a quick glance at some of the shelves had you frowning in confusion.  These are some seriously deep cuts… how do they make any money at this place?

Lucien came bounding up to you in an instant, hands pressed tight against his horribly out-of-fashion skinny jeans as if to hide that they were clammy already.  "Do you, uh, need help finding anything?" he asked.

You offered him a pitying smile, about to offer him a friendly ‘no thanks, but’ and then tell him why you were really here… but you were interrupted.

Jonathan, who had taken a break from sipping on a soda behind the counter, coughed to get Lucien's attention as he quickly shook his head.  He didn't seem to understand, though, looking back at you with his brows furrowed.

"Uh, ignore him,” Lucien laughed nervously.  “Are you looking for a rental?"

"Dude, she's not here to get a movie!" Jonathan snapped.  "Who dresses like that to pick up a tape?!"

"Maybe she's on her way to work!" Lucien returned sharply. "Or maybe she just came from somewhere!"

"Where?"

"My dreams!"

"No, your friend is right, I'm not here to pick up a movie," you admitted, and Lucien looked at you nervously.

"You, uh, don't like movies?" he wondered.

"I love them actually, but—"

The door to the office swung open, with Neil glaring at you from the other side of it.  "You," he announced with disdain.

"—but I'm here to speak with the owner," you finished, tilting your head and grinning at Neil.

"We have nothing to speak about," Neil assured you as he walked towards you.  

"We have multiple opportunities to discuss," you disagreed, "and my employers are very anxious that I deliver this message to you, so if we could please speak in your office—"

"Her employers?  Is this chick in the mob?!" Lucien blurted out fearfully.  "Neil, I know money's tight, but— oh fuck, was that 'small business loan' just a cover—"

"She's not from the mafia," Neil sighed.  "They actually have some morals."

You extended a hand to introduce yourself to Lucien.  After your name, you told him your job: "Head of Acquisitions, Media Giant, LLC."

Jonathan coughed again, poorly covering the sound of him saying "blood-sucking harpy" under his breath.

You smiled at him; "You really should get that cough checked out," you suggested pointedly.

“Whatever it is your puppet-masters want you to discuss with me,” Neil began, wiggling his fingers as if pantomiming a little marionette show, “you can take right over there into our women’s restrooms and shove directly up your ass.”

“Oh, that’s cute,” you smiled, “I bet you’ve been saving that one since our last little visit.  Can we go to your office now?”

“No, you can’t go in there— we just had the priest come by and bless it, we wouldn’t want your feet to burn now, would we?” Neil snarked in return.

“Fine— get it out of your system,” you encouraged.  “Say whatever’s been stuck in that pretty little head for the last month waiting for me to come back, and then we can have our meeting, alright?”

“I— well, uh—” Neil stalled, looking a little flustered as he suddenly leaned on a shelf of tapes with one hand.  “You think I’m pretty?” he mumbled nervously, running his free hand through his hair— only to put a little too much weight on the shelf and nearly tilt it over, having to scramble to catch it and make sure it was balanced again.

“Dude, pull yourself together,” Jonathan snapped at him, and Neil glared at him before looking back at you.

“Fine, okay— we can have a very brief conversation in my office,” Neil offered with a sigh, motioning for you to follow him, “but it’s going to go the same way it did last time: with me telling you hell no and you having to do the walk of shame back to your headquarters.”

“Looking forward to it,” you smiled, waving goodbye to the other men before stepping into Neil’s office as he shut the door behind you.

You watched him step around you to sit at his desk, looking at you expectantly with his legs spread and his fingers interwoven in his lap.

“Am I allowed to ask why you’re dressed like a cowboy, by the way?” you asked with a raised eyebrow, and he frowned at you as he tossed aside the hat and slipped the poncho off over his head, leaving just a much more normal outfit of jeans and a button-up underneath.

“We’re running a special on Westerns,” he explained, “it’s fun, okay?  Not that you would know fun if it smacked you on the ass and called you sweetcheeks.”

“Honey, that’s just what I call a Friday night,” you smirked as you stepped a little closer leaning against the side of his desk as he swallowed thickly.  You couldn’t just sit across from him— you needed to keep the upper hand.  “But I’m here for business.  Let’s talk business, shall we?”

“Right, business,” he frowned.  “I’m guessing your business here today is trying to buy my store, again?”

“Something like that,” you relented.

“You know, I guess I should take it as a compliment,” he grinned, leaning back further in the chair.  “Clearly, you know I’m a threat.”

“Please,” you rolled your eyes, “we’re a Fortune 500 company, and you’re a guy wearing a poncho.”

“I took off the poncho!” he defended.

“So you’re… just a guy, then,” you corrected.  “The point is, we’re not worried about you stealing our business at all.  We just think this location is going to waste.”

“You want the real estate?” he realized.

“You’re in a perfect spot, you know,” you informed him, “you just need… a little more help utilizing it.”

He sneered at you sharply.  “I don’t want anything from you.”

“You only hate me so much because you resent success,” you informed him with a sigh.  “Just because you’re broke and proud doesn’t mean making money is a sin.”

“It is when you put making money above everything else,” he replied, “like creativity and community and the authentic customer experience—”

“How exactly does Media Giant conflict with those things?” you scoffed.  “We’re a company founded on creativity— and we always foster community—”

“Spare me the doublespeak, Big Brother,” Neil scoffed, “you’re just a bunch of— of robots!  Your whole company, it’s just full of people trying to make a quick buck, top to bottom: you think the people in the back at McDonald’s give a fuck about food?  That’s what you are, the McDonald’s of the film industry.  You’d probably let a monkey work there if it could wear a nametag and convince someone to rent Fast and Furious Fifty or whatever the fuck.”

“Fine,” you sighed, “let’s just say for a moment that you’re right.  That my company is so terrible because we don’t employ people like you.”

He relaxed for a second, and you leaned in closer in hopes that he was really listening.

“This is your chance to fix that!” you explained.  “You can save us from the inside out, you know.  You can start from the bottom, be our best sales guy, and then it turns into a promotion and a raise and soon you’re climbing the corporate ladder— where you can make some real change.”

He shook his head, laughing a little.  “That’s not actually possible, it’s just a fantasy you tell all your little minions to keep them compliant.”

“It’s what I did,” you shrugged.

“You?” he realized with a laugh.  “You, in one of those navy vests and nametags, selling people tapes?”

“I’m sort of a cinephile,” you admitted.  “I wanted a job where I could talk about movies all day— and thanks to me, that Media Giant location rented out more copies of The Seventh Seal than all the rest combined.”

He stood up quickly, stepping closer to where you sat on his desk.  “Y-you like The Seventh Seal?”

“It’s a masterpiece,” you answered, speaking a little softer as he was so close, “Bergman is a genius.”

A strange look crossed over his face, a heavy-lidded sort of look as he examined you.  “Tarantino?”

“Overrated, but not bad,” you replied quickly.

“Tarkovsky?”

“Good, but hard to watch.”

“Lynch?”

You scoffed; “Don’t insult me.”

He laughed a little, crossing his arms and looking away from you.  “You could be one of the good ones,” he realized, “but you sold out.  And now you’re just a suit.”

“It’s not so bad,” you smirked, “I think you’d like a little more… structure, given the chance.”

“And that’s what you’re offering?” he pressed, and you nodded.

“We’ll let you keep the name, your employees… most of the decoration,” you offered, “you’ll just be technically a Media Giant franchise.  You have nothing to lose, and so much fucking money to gain.”

He sighed a little, looking at you again.  You could tell he was considering it, but not very thoroughly.  All you could do was hope for the best, and wait for an answer…

CLICK HERE FOR THE SUB!NEIL ENDING

CLICK HERE FOR THE DOM!NEIL ENDING

[lulu-nightbon]

alright, i... didn't want to do this. i didn't want to have to do this. especially with all the hate ive been getting in my inbox recently. but i don't have a choice.

hi. im lulu. im a 21-year-old autistic immunocompromised queer person. i currently live with my mother (senior) and my little sister (10 years old). i need your help to get out.

(context and avenues to help below the cut)

as some of you may know, my stepfather died on august sixth from a heart attack. we lived in his parents basement, as it was all we could afford, and we depended on his income. he had a stable job, and mom decided to become a housewife and sell some things from the buisness they created together. when he died, the buisness was dissolved, as it was an llc partnership. his parents are extremely controlling, and as such, he was only able to finally start building up credit when mom came along, and we were almost at the point where he could qualify for a home loan so we could get out and get away from his parents.

that's gone now.

mom cannot qualify for a home loan because of her student loan payments and the credit card payments. we do not have the money to pay these off, and mom is trying desperately to get a job. we need the money to get out, as my stepfather's parents have been trying to get my sister away from my mom and shove both her and i out of the family for years. things are only getting worse now as we have reason to believe they are spying on our conversations and even going so far as tracking us (for example, they found a spare key to the car and went and took it and "cleaned it out" without mom's knowledge or permission, as it's her car now). they have been trying to circumvent mom and go behind her back during the entire process with the funeral home, coroner's office, all the legal documentation, and they are extremely infuriated that they cannot decide anything or push mom out because they are not the next of kin and have been trying to circumvent this. we have reason to believe that they're going to attempt to sell the cars that are still in my stepfather's name to collect on the money and never give us a dime, like they had with almost all of the money my little sister received as part of the college fund we set up at my stepfather's funeral as well as any money that my little sister had won in the past. we will never see a dime of it, and it's extremely upsetting that they are doing this. they have been running scams for years, and they have been nothing but hellish towards my mother, claiming she's withholding information from them when she has offered more than they've asked for and they have done nothing but take my little sister out and about without ever telling mom anything (for example- they screamed that mom was withholding information when she said she didn't copy the tox report for them because it was empty and claimed they needed to know his cholesterol levels [which doesn't even show up on a tox report- they didn't run his blood, either, and they didn't check his cholesterol levels anyway because they know that's what killed him, they could see it] and would not provide reasoning why [it does not affect them anyway just by nature of it being cholesterol], while on sunday they took my little sister out the whole day and failed to communicate with my mother that she would be with them and would be home after dinner).

they have been screaming at mom for collecting social security as though she was stealing their money and demanded that she doesn't get a job, and we have more than enough reason to believe that they are trying to get her to default on the bills so they finally have legal grounds to take my little sister and kick us out, leaving us with nowhere to go and no options. they have even gone as far as to threaten to take my sister away using force in the past, and, as they have firearms, that is a terrifying threat. they are unhinged and extremely upset that they cannot control us and make us do what they want, how they want, when they want, and they are up in arms over it.

when we move out, all hell is going to break loose, but the longer we wait, the worse it's going to get.

my stepfather, being 37 when he died, did not like thinking about his own mortality, so he didn't have a life insurance policy, a 401K, a will, nothing. we have been left high and dry by his death, and that is pushing aside the grief. we do not have the money to pay off the bills, pay for a lawyer, pay to have the car re-keyed to keep them from stealing it again, or to even flat-out buy a house to circumvent needing a loan, and on top of it all we have to deal with stepfather's parents not allowing us to grieve and implying that mom is a tramp and a heartless bitch that will blow any money given to her when she is more financially responsible than them. we also have to worry about them stealing our things, especially with how much they complain about how messy the basement is when most of the things here are theirs (stepfather's parents are hoarders- more specifically, his father hoards cars, and his mother hoards everything else, going out and shopping frivolously almost every day).

we need help with money, and i hate to ask, especially with the requirement of revealing my legal name and in light of the harassment i have been receiving for over a month now, but we need to get out of here, and we need to get out of here soon. it's only going to get worse the longer we stay. we need money to help with the bills, my mom's student loans, getting a lawyer, and getting a place to move into.

im posting this because im the only one my stepfather's parents won't find on any platform that i choose to use. my current goal is $9,000 USD, if only just to get enough money to get a cheap plot of land to move into, or one of the really cheap houses out here. this won't cover the loans or bills in addition, or the cost of getting a lawyer or anything else we need, but it is enough to get us a cheap place to live. i know it's a lot of money, but we are in a dangerous situation and need the money to escape. if we were to pay for everything, the goal would be in the hundreds of thousands, and i feel horrible just asking for this much. if you can't donate, please reblog, even the visibility might help and please do not spread my legal name. please remember to put "payment" or something generic in the reasoning box if it's required so that i will actually receive the funds instead of having my account purged from the site. i didn't want to ask for this, but i have no other options. please help.

c*sh*pp: $lulunightbon

v*nm*: @Lulilial

Goal: $0/$9,000

[odinsblog]

George Santos:

• Lied about his mother being a victim of the 9/11 attacks despite living in Brazil

• Lied about being Jewish

• Lied about his grandparents surviving the Holocaust

• Lied about having employees killed in the Pulse Nightclub shooting

• Lied about graduating from Baruch College

• Lied about being the star of the Baruch volleyball team

• Lied about getting his MBA at NYU

• Lied about working at Goldman Sachs and Citigroup

• Lied about his employment at LinkBridge Investors

• Worked at an investment firm accused by the SEC of being a Ponzi scheme

• Charged in Brazil with credit card fraud

• Lied about being a landlord and owning 13 properties

• Lied about founding an animal charity and personally pocketed donations

• Stole money from a disabled vet whose dog was dying

• Accused of writing bad checks to purchase puppies, then selling the puppies

• Indicted on 2 counts of wire fraud

• Indicted on 2 counts of making materially false statements to the FEC

• Indicted on 2 counts of falsifying records submitted to obstruct the FEC

• Indicted on 2 counts of aggravated identity theft

• Indicted on 1 count of access device fraud

• Accused of skimming credit cards from ATM machines in Seattle

• Defrauded donors and had them donate $50k to his LLC instead of his campaign

• Invented campaign donors, and some donors claimed to not have donated

• Spent campaign funds on personal expenses like Sephora, Hermes, OnlyFans and Botox

• Collected $24k in unemployment benefits while employed in 2020 and 2021

• Stole the identity of family members

• Used campaign donors’ credit card info to make additional campaign donations

• Submitted fraudulent campaign finance filings to the FEC

• Lied about personal loans to his campaign to inflate his fundraising numbers

• Reimbursed himself for loans he didn’t make

• Lied about his marriage and divorce to a woman

• Was a drag queen in Brazil

• Claimed he was the target of an assassination attempt

• Lied about acting in Hannah Montana and Suite Life of Zack & Cody

• Lied about acting in a movie with Uma Thurman

• Lied about helping to produce Spider-Man: Turn Off the Dark

• Lied about being a journalist and executive for Brazilian media giant Globo

After Santos himself, I I really put the bulk of the blame on the DNC + DCCC for not finding out about even a quarter of these huge ass lies until he was already in office. (Sorry, but the Republican Party ain’t gonna do it).

[rjzimmerman]

Excerpt from this story from Canary Media:

The federal government has just finalized a $861 million loan guarantee to fund what will be Puerto Rico’s largest utility-scale solar and battery storage installations.

In July, the Department of Energy’s Loan Programs Office announced a conditional commitment to finance two solar-plus-storage facilities on the southern coast of the island, plus two standalone battery energy storage systems. The solar plants combined will have 200 megawatts of solar capacity — enough to power 43,000 homes — while the battery systems are expected to provide up to 285 megawatts of storage capacity.

The installations, collectively called Project Marahu, will be led by Clean Flexible Energy LLC, an ​“indirect subsidiary” of the U.S. energy companies AES Corp. and TotalEnergies Holdings USA. Facilities will be located in the municipalities of Guayama and Salinas.

The DOE offers loans for clean energy projects on the condition that borrowers meet certain financing and administrative requirements. According to the agency, the company has now met all those conditions — meaning soon, hundreds of millions of dollars will start flowing toward construction.

Project Marahu is expected to come online sometime in 2025.

Jigar Shah, director of the DOE’s Loan Programs Office, told Canary Media that the loan presents a major opportunity to diversify and stabilize Puerto Rico’s grid, which currently relies on fossil fuels to produce more than 90 percent of its electricity. ​“There’s a huge potential for additional projects like this,” he said.

The loan is somewhat of a departure for Shah’s office, which typically invests in emerging clean energy technologies that have yet to be commercialized. In this case, the Puerto Rico government sought federal assistance to replace some of its oldest diesel-fired power plants with solar and storage projects through the Energy Infrastructure Reinvestment Program, which was created by the Inflation Reduction Act to help repurpose or replace existing fossil fuel infrastructure, Shah said.

[riggabusinesscenter]

Ultimate Guide to Starting a Business in Dubai: Everything You Need to Know

Understanding Dubai’s Business Landscape

Dubai has a diverse and dynamic business landscape, catering to various industries such as trade, tourism, finance, real estate, and technology. It is essential to research and understand the market demand, competition, and potential opportunities for your proposed business idea.

Choosing the Right Business Structure

Dubai offers several business structures, including sole proprietorship, limited liability company (LLC), branch office, and free zone company. Each structure has its own advantages, requirements, and regulations. Selecting the appropriate structure is crucial for your business’s growth, liability protection, and tax implications.

Obtaining the Necessary Licenses and Approvals

Starting business in Dubai, UAE requires obtaining the necessary licenses and approvals from the relevant authorities. These may include trade licenses, commercial licenses, and other industry-specific permits. The process can be complex, so it’s advisable to seek guidance from legal experts or business consultants.

Free Zones: A Viable Option for Foreign Investors

Dubai’s free zones offer attractive incentives for foreign investors, such as 100% foreign ownership, tax exemptions, and streamlined business setup processes. Popular free zones include Dubai Multi Commodities Centre (DMCC), Dubai Internet City (DIC), and Dubai Design District (D3).

Finding the Right Location and Office Space

Choosing the right location and office space is essential for your business’s success. Dubai offers a range of options, from modern office towers to shared workspaces and free zone facilities. Consider factors such as accessibility, infrastructure, and proximity to your target market.

Hiring and Managing a Team

Building a strong and talented team is crucial for your business’s growth. Dubai’s diverse workforce offers a pool of skilled professionals from various backgrounds. However, it’s important to understand the local labor laws, visa requirements, and cultural nuances when hiring and managing employees.

Banking and Financial Considerations

Establishing a business banking account, securing funding, and managing finances are critical aspects of start business in Dubai. Research the local banking system, explore financing options (such as bank loans, investors, or government initiatives), and develop a solid financial plan.

Marketing and Promoting Your Business

With a competitive business environment, effective marketing and promotion strategies are essential for your business’s success. Leverage digital marketing, networking events, tradeshows, and other channels to reach your target audience and build brand awareness.

Complying with Legal and Regulatory Requirements

Dubai has a comprehensive legal and regulatory framework governing business operations. Familiarize yourself with the relevant laws, regulations, and compliance requirements to ensure your business operates legally and avoids penalties or fines.

Seeking Professional Assistance

Starting business in UAE can be a complex process, especially for those new to the region. Consider seeking professional assistance from business consultants, lawyers, or accountants to navigate the process smoothly and avoid costly mistakes.

Start business in Dubai can be a rewarding and lucrative endeavor, but it requires careful planning, understanding of the local business landscape, and adherence to the relevant laws and regulations. By following this ultimate guide and seeking professional advice when needed, you can increase your chances of success in this dynamic and thriving business hub.

[beardedmrbean]

WASHINGTON (TND) — The House Ethics panel announced it has found “substantial evidence” that Republican Rep. George Santos broke multiple laws.

The panel conducted an investigation into the New York congressman and released its findings on Thursday, adding that it referred the information to the Justice Department.

A news release notes the panel determined Santos:

Knowingly caused his campaign committee to file false or incomplete reports with the Federal Election Commission

Used campaign funds for personal purposes

Engaged in fraudulent conduct in connection with RedStone Strategies LLC

Engaged in knowing and willful violations of the Ethics in Government Act as it relates to his Financial Disclosure Statements filed with the House

Santos, 35, who represents New York, has maintained his innocence, insisting he is the victim of a “witch hunt.” He has resisted all calls to resign, saying he intends to run for reelection next year.

He took to social media to speak out against the Committee's findings.

"If there was a single ounce of ETHICS in the 'Ethics committee', they would have not released this biased report," he wrote on X, whcih is the social media platform formerly known as Twitter. "The Committee went to extraordinary lengths to smear myself and my legal team about me not being forthcoming (My legal bills suggest otherwise). It is a disgusting politicized smear that shows the depths of how low our federal government has sunk. Everyone who participated in this grave miscarriage of Justice should all be ashamed of themselves ... I’ve come to expect vitriol like this from political opposition but not from the hallowed halls of public service."

He went on to say that he "will remain steadfast in fighting for my rights and for defending my name in the face of adversity. I am humbled yet again and reminded that I am human and I have flaws, but I will not stand by as I am stoned by those who have flaws themselves. I will continue on my mission to serve my constituents up until I am allowed. I will however NOT be seeking re-election for a second term in 2024 as my family deserves better than to be under the gun from the press all the time."

In October, prosecutors said Santos allegedly stole the identities of people who donated to his campaign, as well as repeatedly used their credit cards without their permission. Prosecutors said some of the stolen money ended up in his own bank account.

As alleged, Santos was charged with stealing people’s identities and making charges on his own donors’ credit cards without their authorization, lying to the FEC and, by extension, the public about the financial state of his campaign," Breon Peace, who is a United States Attorney for the Eastern District of New York, said in a separate news release."

"Santos falsely inflated the campaign’s reported receipts with non-existent loans and contributions that were either fabricated or stolen," Peace added. "This Office will relentlessly pursue criminal charges against anyone who uses the electoral process as an opportunity to defraud the public and our government institutions.”

The latest charges include the following:

One count of conspiracy to commit offenses against the United States

Two counts of wire fraud

Two counts of making materially false statements to the Federal Election Commission (FEC)

Two counts of falsifying records submitted to obstruct the FEC

Two counts of aggravated identity theft

One count of access device fraud

Prosecutors said he also stole from his own family members.

The defendant -- a Congressman -- allegedly stole the identities of family members and used the credit card information of political contributors to fraudulently inflate his campaign coffers,” District Attorney Anne T. Donnelly noted in the release. “We thank our partners in the US Attorney’s Office and the FBI as we work together to root out public corruption on Long Island.”

According to prosecutors, Santos allegedly charged more than $44,000 to his campaign using cards belonging to contributors without their knowledge. In one case, he charged $12,000 to a contributor’s credit card and transferred the “vast majority” of that money into his personal bank account, prosecutors said.

The charges, said prosecutors, are in addition to the seven counts of wire fraud, three counts of money laundering, one count of theft of public funds, and two counts of making materially false statements to the United States House of Representatives that were charged in the original indictment.

He was initially arrested in May on a 13-count federal indictment, which charged him with using funds earmarked for campaign expenses on designer clothes and other personal expenses and improperly obtaining unemployment benefits meant for Americans who lost work because of the pandemic.

Santos was also accused of falsely reporting to the Federal Elections Commission that he had loaned $500,000 to his campaign in an attempt to convince Republican Party officials that he was a serious candidate, when he actually had less than $8,000 in his personal accounts.

Santos, who likely faces a lengthy prison term if convicted, was elected to Congress in November and sworn in as the U.S. Representative for New York’s Third Congressional District on January 7, 2023.

[templemaenad]

20 year plan

2 years: Graduate AU SOC, begin learning a language, come up with 10 perfected working jewelry designs, publish a book of poetry, and a book of short stories, save 15-20 k, drivers license, live in MD, get good job in Comm. buy car. start ROTH IRA

5 years: start making student loan payments in max, start LLC, home office and funding for MAENAD. Visit Greece. get first samples of jewelry made, start website and ads for MAENAD. Soft launch of MAENAD.

7 years: Start scoping out Europe again for jobs and places to live.

10 years: Own my own home, working as digital nomad, MAENAD success

15 years: Full EU citizenship

20 years: retire work force and run jewelry business full time.

[pestcontrolkey]

The Value Of Pest Control Tampa

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All American Pest Control LLC

550 N Reo St #300

Tampa, FL 33609

(813) 544-0963

Tampa Pest Control

[newsstroke]

The Usury Suspects, Part 3: Tivol’s ex-pres knows where the real money is

On the cover of Ingram’s last month was a man named Steve Mitchem. The business publication was honoring him with one of its “Local Heroes” awards for philanthropic contributions — Mitchem has given $160,000 to the Down Syndrome Guild of Greater Kansas City over the past three years.

Mitchem has led an interesting life. He moved to Kansas City in the early 1980s to pursue graduate studies at Nazarene Theological Seminary. He then worked as a traveling evangelist for two years before settling in locally as a full-time minister at the Church of the Nazarene. In 1990, Mitchem went secular, at least professionally. He retired as a minister and joined Tivol, the luxury jewelry company, as an associate at its retail space on the Country Club Plaza. He rose through the ranks and was named president of Tivol in 2005.

Here in Kansas City, that’s a powerful, and surely quite lucrative, gig. Yet Mitchem left Tivol two years after being appointed to the post. A story at the time in JCK, a trade publication covering the jewelry industry, reported that he was resigning to “join his son in his loan business.” About that loan business: Technically it is dozens of separate companies, with many different names, but it adds up to one of the largest online payday-lending operations based in Kansas City, according to several individuals with ties to the industry.

“Steve was working down at Tivol on the Plaza, and these payday guys kept coming in every other month and buying Rolexes,” a source tells The Pitch. “He figured out that they were basically printing money doing their online-lending businesses, and he wanted in on it. So first, he set his son up in the business. Then he quit Tivol and joined him.”

Filings with the secretary of state’s offices in Missouri and Kansas, plus a couple of lawsuits, help back up that account. In December 2006, Mitchem’s son, Josh Mitchem, filed articles of incorporation in Missouri for a company called Platinum B Services. In 2012, Dustin McDaniel, the attorney general of Arkansas, brought a lawsuit against that company and PDL Support LLC, another company controlled by Josh Mitchem.

In the suit, McDaniel alleged that Josh Mitchem and his companies controlled a variety of LLCs, purportedly based in the West Indies federation of St. Kitts and Nevis, that were engaged in lending over the Internet to Arkansas citizens at interest rates as high as 644 percent. Arkansas law caps rates on consumer loans at 17 percent. The purpose of these LLCs is to make it appear as if the Defendants are not the actual payday lenders and to otherwise shield Defendants from liability from lawsuits such as the one brought by the Attorney General in this case,” the lawsuit states. “The Defendants make the decisions concerning all lending operations from their offices in the Kansas City, MO area.”

The Arkansas attorney general’s office also produced evidence that Josh Mitchem responded to consumer complaints mailed to his company by requesting that correspondence be sent to an address in Charlestown, Nevis — despite the fact that his return letters were postmarked in Kansas City.

In the settlement that was reached, Josh Mitchem denied any wrongdoing but agreed to stop lending in Arkansas and pay $80,000 to the state. More recently, Josh Mitchem was named in a class-action RICO complaint brought in California against about two dozen players in the payday industry (including MoneyMutual LLC and its spokesman, talk-show host Montel Williams). In it, Mitchem’s company Rare Moon Media is accused in that state of unlicensed lending and of negotiating and signing marketing contracts on behalf of unlicensed lenders.

Rare Moon Media was incorporated in Kansas in 2010. In 2011 and 2012, its filings with the secretary of state list Josh Mitchem, Steve Mitchem and Jeremy Shaffer, among others, as the primary stakeholders. Shaffer replaced Steve Mitchem as general manager at Tivol when Mitchem was promoted to president.

Jeffrey Wilens, the plaintiffs’ attorney in the RICO suit against Rare Moon Media, says, “The business address for Rare Moon Media is the same West Indies business address as several other lenders making unlicensed loans in the state of California, such as SCS Processing and Everest Cash Advance. The company is either consulting companies who make illegal loans, or it is simply making illegal loans by itself and pretending to be a consultant of some kind. Either way, the service it provides is to aid, abet and facilitate criminals breaking the law in the state of California.” Steve Mitchem told Ingram’s that he splits time between his two homes: One off Ward Parkway in Kansas City, the other in St. Thomas, of the U.S. Virgin Islands. The latter address allows his various business entities (Mitchem Holdings, according to the article) to more comfortably avoid regulatory scrutiny and taxation by the U.S. government.

“There are some of us who have been blessed and are fortunate enough to be able to give, and quite frankly, I believe we have that responsibility to get involved financially,” Steve Mitchem told Ingram’s of his philanthropy. “Some people can’t do that. I’m one of those guys who’s fortunate and can do that.”

[americamortgages]

How Can Singaporeans Obtain a U.S. Mortgage?

Singapore is known for academics and education, with many high school graduates attending the best universities in the world!

Similarly, the U.S. is known for having most of the top global universities.

Singapore currently has 21,666 students studying abroad, according to UNESCO, and according to a recent Open Door report, Singapore had 3,901 students studying in the U.S. – a record number!

A typical Asian family will want to explore owning a property near the university the child will be attending – as a place to stay when visiting or if the student prefers not to stay in the dormitory.

After graduating, the property’s value often goes up. It might be enough to pay for college, or parents might choose to give the property to their child if they plan to work in the U.S. before returning home. This allows the child to build credit, something very important in the U.S.

However, not many can pay for a home with cash and just give up when they assume that obtaining a mortgage is not available.

Contrary to what you may think…..

You CAN get a mortgage as a non-U.S. citizen or Expat living in Singapore

You DO NOT need U.S. credit or residency

You CAN QUALIFY based on your Singapore income OR by using the rental income of the U.S. investment property

You CAN get market-interest rate mortgages while living in Singapore

You CAN sign the closing documents at the embassy on Napier Road

Actually, we are the world’s first and only U.S. mortgage broker with offices in Singapore, right on Telok Ayer. Come visit us for coffee!

Let us guide you through this process from:

Introducing you to a realtor

Helping you screen for the best locations to buy

Setting up your LLC

Discussing the benefits of using an LLC

Introducing you to a property manager

[Must Sign Up!] A Singapore Couple’s Path to Financial Freedom through U.S. Real Estate Investing!

Meet Han and Tracy, an incredible couple from Singapore who made a bold move – they left behind their regular 9-5 jobs after successfully diving into the world of U.S. real estate. Now, proud owners of 12 cash-flowing properties, achieved through strategic moves in just three years, they’re here to share their story.

Register for our exclusive webinar “Singapore Couple’s Journey to Financial Freedom through U.S. Real Estate Investing,” on January 18th at 6:30 PM SGT. Join Han and Tracy as they unravel the details of their transformative journey. Learn the secrets of how this dynamic duo achieved financial freedom through their savvy investments in U.S. real estate. Don’t miss out—reserve your spot now!

AM Student+

Investing in your child’s future just got easier. America Mortgages’ Student+ loan program removes the financial barrier for parents who want to purchase a property in the U.S. for their children’s education. This innovative program allows parents to qualify for a loan using the projected rental income of the property, eliminating the need for a U.S. credit history. This means that even parents who are new to the U.S. can provide their children with a safe and comfortable place to live while they study. 

With America Mortgages’ Student+ loan program, parents can invest in their children’s future and build wealth at the same time. The program’s flexible terms and competitive rates make it an attractive option for investors. Contact us today to learn more about this unique program and start investing in your child’s bright future.

For more information about Foreign Mortgage Loan, visit the website: https://www.americamortgages.com

Reference: https://www.americamortgages.com/how-can-singaporeans-obtain-a-u-s-mortgage/

Contact Us

Address:  118 Broadway STE 638, San Antonio, TX. 78205 (HQ)

Email id: hello@americamortgages.com

North America: +1 (845) 583-0830

[lutz-tax-services]

LLC vs. Corporation: Which Business Structure is Right for You?

Choosing the right business structure is a critical decision for entrepreneurs and business owners. The structure you select can impact everything from daily operations to taxes and legal liability. Two popular options are the Limited Liability Company (LLC) and the Corporation. Each has its own advantages and drawbacks, so it's important to understand their differences to make an informed decision. In this blog post, we’ll explore the key aspects of LLCs and Corporations to help you determine which one is best suited for your business needs.

What is an LLC?

A Limited Liability Company (LLC) is a flexible business structure that combines the liability protection of a corporation with the tax benefits and operational flexibility of a partnership or sole proprietorship. LLCs are popular among small to medium-sized businesses due to their simplicity and versatility.

Key Features of an LLC:

Limited Liability Protection: Owners (called members) are typically not personally liable for the debts and liabilities of the business.

Pass-Through Taxation: Profits and losses can be passed through to the members' personal tax returns, avoiding double taxation.

Flexible Management Structure: LLCs can be managed by the members (member-managed) or by appointed managers (manager-managed).

Fewer Formalities: LLCs have fewer ongoing formalities and administrative requirements compared to corporations.

What is a Corporation?

A Corporation is a more formal business structure that is considered a separate legal entity from its owners (shareholders). Corporations are often chosen by businesses that plan to raise capital through the sale of stock or go public in the future.

Key Features of a Corporation:

Limited Liability Protection: Shareholders are typically not personally liable for the debts and liabilities of the corporation.

Double Taxation: Corporations are taxed at the corporate level, and shareholders are also taxed on any dividends received, leading to double taxation. However, S Corporations can avoid double taxation by passing income directly to shareholders.

Formal Structure and Governance: Corporations must adhere to strict governance rules, including having a board of directors, holding regular meetings, and maintaining detailed records.

Ability to Raise Capital: Corporations can issue stock to raise capital, making it easier to attract investors.

Comparing LLC and Corporation

Liability Protection: Both LLCs and Corporations provide limited liability protection, meaning owners are not personally responsible for business debts and liabilities. This is a crucial feature for protecting personal assets.

Taxation:

LLC: Offers pass-through taxation, where profits and losses are reported on the owners' personal tax returns. This avoids the double taxation faced by traditional corporations.

Corporation: C Corporations face double taxation, but S Corporations can elect pass-through taxation similar to LLCs. However, S Corporations have restrictions on the number and type of shareholders.

Management and Structure:

LLC: Offers flexibility in management structures, with fewer formalities and less rigid governance requirements.

Corporation: Requires a formal management structure, including a board of directors and corporate officers. This structure can be beneficial for larger companies or those seeking significant investment.

Raising Capital:

LLC: Raising capital can be more challenging as LLCs cannot issue stock. Investment typically comes from members' contributions or loans.

Corporation: Easier to raise capital through the issuance of stock. This makes corporations more attractive to investors, particularly for startups seeking venture capital.

Administrative Requirements:

LLC: Generally has fewer ongoing formalities, making it easier and less expensive to maintain.

Corporation: Must comply with more stringent administrative requirements, including annual reports, shareholder meetings, and detailed record-keeping.

Which Should You Choose?

The decision between an LLC and a Corporation depends on your business goals, size, and growth plans.

Choose an LLC if:

You want a simple and flexible structure with fewer formalities.

You prefer pass-through taxation.

You’re starting a small to medium-sized business with limited need for outside investment.

Choose a Corporation if:

You plan to raise capital through the issuance of stock.

You want a more formal structure with a clear governance framework.

You’re aiming for significant growth or planning to go public in the future.

Conclusion

Both LLCs and Corporations offer unique advantages and potential drawbacks. Understanding these differences is key to making the best decision for your business. Consulting with legal and financial professionals can also provide valuable insights tailored to your specific situation. By choosing the right structure, you can position your business for success and ensure it operates smoothly and efficiently.

[capitalinternationalgroup]

Key Steps to Setting Up a Business in Saudi Arabia with SetupSaudiBusiness

Establishing a business in Saudi Arabia is an exciting opportunity for investors and entrepreneurs alike, thanks to the country's growing economy and government initiatives aimed at facilitating business operations. However, the process involves multiple steps, each requiring careful planning and execution. At SetupSaudiBusiness, we specialize in guiding you through every stage of the business setup process to ensure a seamless experience.

Here’s a step-by-step guide on how to set up a business in Saudi Arabia:

1. Select a Business Activity

The first step in starting a business in Saudi Arabia is to identify the type of business activity you want to pursue. This could range from retail, services, or manufacturing, to more niche sectors like technology, education, or healthcare. Some sectors may require additional licenses or approvals, so selecting the right activity upfront is essential for a smooth registration process.

Pro Tip: Certain activities may benefit from government incentives, particularly in sectors aligned with Saudi Vision 2030, such as tourism, renewable energy, and entertainment.

2. Choose a Business Structure

Selecting the appropriate business structure is another critical decision. The most common types of business structures in Saudi Arabia include:

· Limited Liability Company (LLC)

· Joint Stock Company (JSC)

· Sole Proprietorship

· Branch of a Foreign Company

Your choice will depend on factors like your business goals, capital requirements, and liability concerns. At SetupSaudiBusiness, we can help you determine the best structure based on your specific needs.

3. Register with the Ministry of Commerce and Investment (MOCI)

After deciding on the business activity and structure, the next step is to register your company with the Ministry of Commerce and Investment (MOCI). This process involves:

· Submitting a commercial name for approval

· Drafting Articles of Association or corporate documents

· Obtaining the Commercial Registration (CR) certificate

This step officially establishes your company in Saudi Arabia.

4. Obtain Necessary Licenses and Permits

Different business activities require specific licenses and permits. For example, a company in the healthcare sector might need approvals from the Ministry of Health, while a retail company would need a trading license. Common permits include:

· General business licenses

· Sector-specific licenses

· Zoning permits (for physical locations)

SetupSaudiBusiness ensures that all necessary documentation is in place so that you can operate legally and efficiently from day one.

5. Open a Corporate Bank Account

To manage your company’s financial transactions, you will need to open a corporate bank account with a Saudi bank. Typically, the bank will require your commercial registration, identification documents of the business owner(s), and a business plan.

Opening a corporate account also provides access to business loans, credit facilities, and foreign currency management, which can support the growth of your business.

6. Secure a Commercial Address

Every business in Saudi Arabia must have a valid commercial address to operate. You can rent or purchase office space or even opt for a virtual office, depending on your business’s needs. This address will also be required for the completion of your commercial registration and to receive official correspondence from the government.

At SetupSaudiBusiness, we assist you in finding the right location for your operations, whether it be a physical office or a virtual solution.

7. Register with the General Authority of Zakat and Tax (GAZT)

As part of the formalities, your business must register with the General Authority of Zakat and Tax (GAZT) for tax purposes. Depending on your business activity, you may need to pay VAT, Zakat, or income tax.

Proper tax registration and compliance ensure your business avoids penalties and stays in good standing with Saudi authorities.

8. Hire Employees and Comply with Saudization Policies

Saudi Arabia has a workforce nationalization policy known as Saudization (Nitaqat), which requires businesses to hire a certain percentage of Saudi nationals. Depending on your business sector, the requirements may vary. You will also need to provide employee benefits and comply with local labor laws.

Conclusion

Setting up a business in Saudi Arabia involves multiple steps, but with the right guidance, the process can be smooth and efficient. At SetupSaudiBusiness, we offer comprehensive services to help you through each stage, from selecting a business activity and registering your company to obtaining the necessary permits and licenses. Our goal is to make your business setup journey as easy as possible, allowing you to focus on growing your enterprise in Saudi Arabia.

For expert assistance with your Saudi business setup, contact SetupSaudiBusiness today. Let us turn your entrepreneurial dreams into a reality!

[ripondhar]

COMMERCIAL PROPERTY FINANCING – ALL TYPES - $400K to $50MILLION!  (Refinance Cashout & Purchase)

* COMMERCIAL & MULTIFAMILY PROPERTY FINANCING! * MOST PROPERTY TYPES QUALIFY:  Automotive Repair – Retail – Medical Office – Warehouse - Daycare Center - Restaurants – Bars - Light Industrial - Mixed Use - Mobile Home Park - Self Storage, Up To 75% LTV Refinance Cashout!  * Up To 80% LTV On Purchases!  * 30 Year Financing, * No Tax Returns!  * No Personal Income Docs Required! * 24-48 Hour Prequalification with No Credit Pull Required!  APPLY ONLINE @https://www.investorrehabfunding.com/  

VISIT NOW :                 

CONTACT US:  

Name: Investor Rehab Funding, LLC          

Phone: 844-244-1420

Email: michael@investorrehabfunding.com                      

Keywords :            

#commercial real estate loans, #loans for restaurants, #daycare center commercial loans, #commercial financing for self-storage warehouse, #light industrial commercial property financing, #refinance cash out commercial property loans, #12 month bank statement loans, #30 year financing commercial property, #bank statement commercial financing, #commercial property loans, #no personal income commercial financing, #purchase loans for commercial property, #private money commercial loans, #medical office commercial financing, #commercial property refinance cash out, #financing for restaurants, #commercial loans for bars, #financing for daycare centers, #bank deposit private money loans commercial property, #refinance cash out commercial loans, #commercial loans for mobile home park, #purchase financing for commercial properties, #no tax return commercial financing, #financing for warehouse, #automotive repair shop mortgage loans, #office building financing, #apartment building financing, #financing for day care centers, #mixed use property financing, #mobile home park refinance cash out, #self-storage building financing, #restaurant property financing, #automotive repair and service business financing, #commercial property financing, #multifamily refinance cash out commercial loans, #mixed use real estate financing, #investor no doc commercial funding, #investor refinance cash out, #commercial purchase loans, #multi-family investor funding, #office space financing, #warehouse financing, #medical office building financing

[crelaw-commercialrealestate]

Representative Matters for Shams Merchant

Commercial Real Estate Acquisitions & Dispositions

Represented a REIT in the $200 million sale of a corporate campus and North American HQ of a large public company.

Led the sale of a $150 million award-winning mixed-use development for a private investment firm to an out-of-state buyer.

Assisted a biomedical company in purchasing industrial property from a large chemical corporation for $10 million.

Represented a private seller in the $30 million sale of an award-winning redevelopment project in Houston.

Managed the $112 million acquisition of a medical office building in Sugar Land, Texas, for a REIT.

Guided private equity in acquiring a $10 million office building in Houston and over 10 acquisitions of raw land for retail and hospitality projects.

Commercial Real Estate Leasing

Represented one of the largest real estate developers globally in leasing office and retail projects in Houston.

Assisted private investment groups with leasing Class A office and retail spaces in award-winning developments.

Represented leading industrial real estate firms in leasing industrial properties and resolving various leasing disputes.

Commercial Real Estate Development

Represented a private investment firm in a $150 million mixed-use development in downtown Houston.

Managed raw land acquisitions for retail center development and ongoing real estate development matters in Texas.

Commercial Real Estate Finance

Assisted high-net-worth clients and private groups with loan document revisions and acquisition loan negotiations.

Represented private equity firms in negotiating CMBS loans and "bad boy" carve-outs.

Commercial Real Estate General

Drafted and negotiated a wide range of real estate agreements, including REAs, CCRs, easements, and development agreements.

Handled 1031 tax-deferred exchanges, construction contracts, and other real estate-related matters.

Corporate and Business Law

Structured corporate documents for private equity firms, including partnership agreements, LLC operating agreements, and business reorganizations.

Provided on-going legal support to real estate investors and private equity firms on various corporate matters.

Securities and Fund Formation

Represented private equity groups in Rule 506(b) fund formations, including a $30 million fund for industrial properties and a $50 million fund for build-to-rent homes.

Provided legal advice for multi-family, retail, industrial, and office property acquisitions.

Mergers and Acquisitions

Represented restaurant owners in acquisitions, including lease negotiations and expansion projects.

Title Insurance, Closings & Escrow Services

Managed title, escrow, and closing services for investors, developers, and private investment firms through affiliated title companies. Successfully closed billions of dollars in commercial real estate transactions.

Shams Merchant continues to lead high-profile transactions, ensuring clients' interests are protected while maintaining efficient and effective legal services across a broad range of commercial real estate matters.

[bbtfinance]

Penrith Home Loans - Mortgage Companies

Whether you’re buying your first home or looking to expand your portfolio, our mortgage brokers are committed to guiding you through the financing process. Our team of experts is here to ensure your experience is as seamless and enjoyable as possible.

This is a preview of company profile content. To view full profile, request access.

Getting Started

A mortgage company is a financial institution that offers financing for the purchase of real estate. Mortgage companies Penrith provide a variety of loan products, including conventional mortgages, FHA loans, and jumbo loans. They also offer a variety of services to their clients, such as credit repair and loan preapproval.

Starting a mortgage company is easier today than it was a few years ago. This is mainly due to the availability of many resources and specialized services available in the market today. However, there are some important things to consider when launching a mortgage business.

Penrith Home Loans Llc is a financial services company based in Washington, DC. It has 59 employees. The company provides mortgage lending and other financial services to homebuyers in the United States. It offers a wide range of mortgage programs and down payment assistance options. The company also provides a full suite of digital home-buying solutions. These include SimpleNexus Engagement, Nexus Origination, and Nexus Closing.

Getting Preapproved

Getting preapproved is crucial to a smooth home-buying process. It helps buyers know how much they can afford and puts them in a stronger position to negotiate with sellers. It also gives them a clear spending limit, which can help them avoid overspending and falling into debt.

Besides offering conventional, FHA and JUMBO mortgages, Penrith Home Loans also provides a full range of refinancing services. The company has a long history of serving customers throughout the western United States. The company’s core products include Nexus Engagement, Nexus Origination and Nexus Closing, which provide a single sign-on digital home buying environment from application to post-close.

Zippia’s free employee-reporting tool offers an in-depth look into the details of Penrith Home Loans, including salaries, political affiliations, and more. The data is based on self-reported information from employees, as well as public and proprietary company filings. Learn more about this company on the PitchBook Platform.

Getting a Loan

With Penrith Home Loans, you can get a mortgage that fits your needs. Their mortgage consultants are dedicated to guiding you through every step of the financing process, from preapproval to closing. They offer a variety of mortgage programs, including conventional, GHA, JUMBO and refinancing loans.

Penrith Home Loans is an independent mortgage lender with offices in the western United States. The company is affiliated with Windermere Real Estate, the largest regional real estate firm in the Pacific Northwest.

Penrith is one of the few lenders in the country that allows borrowers to use their own equity to buy a new home. Their streamlined approval process makes it easier to qualify for a mortgage.

Zippia gives an in-depth look into the details of Penrith Home Loans, including salaries, political affiliations, and employee data. This is based on self-reported information from employees, as well as publicly available data sources.

Closing

Unlike many mortgage lenders that disappear after closing, Penrith Home Loans stays with you throughout the life of your home loan, identifying opportunities to help you reach your financial goals. Using everyday language, Penrith's mortgage consultants are dedicated to guiding you through the entire financing process from pre-approval to closing.

Paul Holland has been a mortgage broker for more than 15 years, and has helped hundreds of clients achieve their home and investment property goals. He has a passion for providing quality, professional advice that helps his clients make the best decisions.

This profile is based on independent research conducted by Zippia, Inc. Its employees provided self-reported salary and bonus data as well as company filings, estimates based on those filings, and H1B data. This information is not intended to be a substitute for the advice of a qualified tax or legal advisor.