#Personal Property valuation

[oconnor2023]

Did you know that Texas Appraisal Districts commit 3 major mistakes in valuing your BPP?

Get a Free copy of Pat O’Connor’s latest book “What You Need To Know About Personal Property valuation”. It provides detailed explanations of the above 3 issues. Read more @ https://www.poconnor.com/business-and-personal-property-tax/

[ukrfeminism]

5 minute read

TW: descriptions of sexual violence from the start

“For two hours he tortured me, his hands were everywhere. I thought rape was inevitable, I wondered whether I’d get out alive. We were in an empty property on a quiet cul-de-sac and he’d completely overpowered me.” These are the words of a female estate agent who was attacked by the seller of a property she had gone to value in Essex.

Hers is not a lone voice. Women in the property industry, who frequently visit empty homes alone — either to value them for sellers or to show prospective buyers around — are speaking out about the dangers.

Now, 30 years after the estate agent Suzy Lamplugh was declared dead (seven years after going missing on a viewing in Fulham, west London, with a man who called himself “Mr Kipper”) and 31 years after the Birmingham estate agent Stephanie Slater was kidnapped during a house viewing, women are saying it still isn’t safe to do their job.

Only 22 per cent of estate agents and letting agents, male and female, feel safe when on viewings, while 82 per cent say estate agent safety isn’t taken seriously enough — according to a survey of 150 agents across the country Allan Fuller an estate agent in Putney, southwest London.

The case of the estate agent in Essex, who spoke anonymously to The Times, was dropped by the Crown Prosecution Service last year, two days before coming to court. “I am furious, he had the money to hire a big shot lawyer. I feel let down,” she says. “It has been absolutely horrendous. It had a massive effect on my whole life: my relationship of 15 years broke down and I ended up on antidepressants and having panic attacks every time I went on a valuation.”

Although she has now moved agencies, she continues to work as an estate agent. “I thought, if I give up my job, he has won again — and I love my job.” However, she insists her female colleagues carry rape alarms, check in before and after house visits, and follow strict protocols about leaving doors open in properties and never getting into cars with sellers or potential buyers.

Fuller says: “There is a common misperception in the industry that ‘it won’t happen to me’.”

The responses to Fuller’s survey show that it does happen. One female respondent who works in the West Midlands wrote: “I recently valued a property and met with a man accused of domestic violence and I have never felt so uncomfortable in my life. He proceeded to show me an over-stair cupboard and said that there was ‘enough space for three dead bodies’. I left quickly after that.”

Other comments included:

“During a repossession the owner climbed into the loft and was threatening with a knife. Police had to taser him twice to safely remove him.”

“Carrying out a market appraisal with a gentleman who revealed he was due in court the next day to be charged with rape.”

“I believed a viewer was carrying a knife on a viewing, they were trying to get me into a certain room. The vibe wasn’t good, so I managed to email my office an SOS. Two members of staff came and pretended to be the next viewers.”

And: “I was covering a valuation and the person locked me in without me knowing and as I went to leave he went to hug me. I had to duck under his arm and unlatch the door quickly to get out.”

It’s not just on visits that workers are vulnerable, though. One estate agent told The Times how she was assaulted by a prospective buyer while working alone in an office in Oxford on a dark December evening. After being cornered, by the photocopier, she says she managed to “thump him in the windpipe” and run for help. He was arrested and charged. She now insists all her staff carry rape alarms and follow strict safety rules in and out of the office.

Fuller says he makes staff safety a priority too, sending his staff on self-defence courses — “one tip I picked up was if a man is making an unwanted move on a woman she should look as if she’s about to be sick, they soon back off” — issuing rape alarms, fitting CCTV and insisting that prospective buyers and sellers visit the office, verify their name and address, and are captured on camera before going on viewings.

Claire Lewis, 65, was an estate agent in Putney at the time Lamplugh went missing. She says: “Everyone was so shocked, we’d been getting into cars with prospective clients and going on viewings with men. It never occurred to us that anything could happen. That all changed and we suddenly became much more aware.”

However, she now worries for her daughter, Charlotte Dale, 34, a part-time estate agent in southwest London. “Generally things seem more dangerous for women even though they have mobile phones. Whereas in the past men acted in isolation — now they receive validation and encouragement on the internet,” Lewis says.

The estate agent from Essex, who was tortured for two hours, says she wants to see a national campaign to draw attention to the dangers: “Some estate agents seem to care more about protecting assets, with money laundering checks etc, than they do about protecting their staff. This has to change.”

[haggishlyhagging]

Money, like writing, seems to have originated in the temples of the ancient world. The word money comes from the Roman Goddess Juno who in one of her forms was called Moneta meaning She Who Gives Warning. Her temple in Rome was the center for the finances of Rome and so her name Moneta became the word money. The same word became also mint because that same temple was the place where coins were minted. According to Barbara Walker silver and gold coins manufactured there were valuable not only by reason of their precious metal but also by the blessing of the Goddess herself which was believed to bring good fortune and healing magic.

Money was indeed a magical invention. Folk tales are full of magic lamps and genies and beanstalks, of magical ways to have our every wish granted. We would all like to be able to snap our fingers or twitch our noses and have our purposes accomplished. And that is almost exactly what happens with money. It can be exchanged for every conceivable kind of real wealth. Magic. Pure magic. So enamored were people of this magical invention that it became over time the primary measure of real wealth in Westem society.

Why then do three quite diverse philosophical or intellectual traditions agree on the idea that money is somehow unclean or something to be despised?

One of those traditions is Christianity. About one third of the parables of Jesus are about money. He is reported to have taught that being rich is a barrier to salvation and to have told the rich young man to sell everything and give his money to the poor. The one time he is depicted as angry is when he turns over the tables of the money changers at the temple. His advice on taxes is to render unto Caesar what is Caesar's, to separate money and worldly concerns from one's religion. Classical Christianity has preached, if not practiced, that money and this world are to be renounced in favor of an other-worldly kingdom of heaven. The love of money, said St. Paul, is the root of all evil.

Classical Marxism also renounces money as responsible for the alienation of human beings from their labor. People no longer work to create or produce, but only to make money. This situation Marx considered to be disastrous. He felt it was labor which was of essential value and that all monetary valuations were to be discarded. Those who seek only money he saw as exploiting those who work.

Finally there is Freud who thought money was anal. He equated money with feces, excrement. It is therefore filthy and messy. Withholding money is a kind of constipation. Money is related to the bowels and is dirty. And indeed, we do refer to money sometimes as "filthy lucre."

Christianity, Marxism and Freudianism all agree on despising money. As a psychologist I have learned to pay careful attention to those things another person protests most vehemently against. And as a woman I have learned to pay close attention to those things which our great patriarchs preach most loudly against. Because, of course, what is loudly despised is often what is covertly desired or feared or worshipped. So if Jesus, Marx and Freud are all in agreement on something, we women had better take a careful look.

Women are socialized to live out the Christian ideals of self-sacrifice and martyrdom and men are socialized to give lip service to them. The same hypocrisy would seem to apply to what is preached about money. Filthy, despicable, and barrier to salvation it may be, but the fact is that in general, men have money and women don't. According to the United Nations Labor Organization, women put in 65% of the world's work and get back only 10% of all income paid. The female half of the world's population owns less than 1% of world property. Women in our Western society may have access to money through their husbands or fathers, but until recently women rarely accumulated or controlled their own large fortunes.

Men may philosophize about the distinction between money, which is "merely" a measure, and "real wealth," the goods and services into which money can be changed. They can say that the pursuit of money leads to an unhappy, hollow existence. They can urge upon women the virtues of simplicity. But for most men the ultimate appeal is to the "bottom line," that is, to money. How much money will something cost? How much financial profit will be gleaned? Mae West cut through this hypocrisy with great clarity when she said "I've been rich and I've been poor, and rich is better."

-Shirley Ann Ranck, Cakes for the Queen of Heaven

[blazycana]

Notes to myself.

Algorithms for success.

-> Happiness = Health + Wealth + Good Relationships

-> Health = Exercise + Diet + Sleep

-> Exercise = High Intensity Resistance Training + Sports + Rest

-> Diet = Natural Foods + Intermittent Fasting + Plants

-> Sleep = No Alarms + 8-9 Hours + Circadian Rhythms

-> Wealth = Income + Wealth * (Return on Investment)

-> Accountability = Personal Branding + Personal Platform + Taking Risk?

-> Leverage = Capital + People + Intellectual Property

-> Specific Knowledge = Knowing how to do something society cannot yet easily train other people to do.

-> Return on Investment = "Buy-and-Hold" + Valuation + Margin of Safety

[buyresidentialpropertiesindubai]

Navigating the Mortgage Market: Finding the Best Mortgage Company in UAE

Navigating the mortgage market in the UAE can be challenging, given the numerous options available. This guide will help you find the best mortgage company for your needs, ensuring you secure favorable mortgage terms and rates.

For more insights into Dubai's real estate market, visit home loan dubai.

Understanding the UAE Mortgage Market

Market Overview: The UAE mortgage market is diverse and competitive, with a wide range of local and international banks offering various mortgage products. Understanding the market landscape is essential for making the right choice.

Types of Mortgages: Mortgages in the UAE can be classified into fixed-rate and variable-rate mortgages. Fixed-rate mortgages provide stability with consistent monthly payments, while variable-rate mortgages fluctuate based on market conditions.

Eligibility Criteria: Each mortgage company has its own eligibility criteria, including income requirements, employment status, and credit history. Understanding these criteria will help you identify which companies you qualify for.

For more investment options, explore Buy Commercial Properties in Dubai.

Key Features of Mortgage Companies

Competitive Interest Rates: Leading mortgage companies offer competitive interest rates, helping you save money over the loan term. Compare the rates offered by different companies to find the best deal.

Flexible Loan Terms: Look for mortgage companies that offer flexible loan terms, including various repayment periods and options for early repayment without penalties.

Customer Service: Excellent customer service is essential when dealing with mortgage companies. Choose a company with a strong reputation for providing responsive and helpful support.

Quick Approval Process: The approval time for mortgages can vary between companies. Select a company known for its quick and efficient approval process to avoid delays in your property purchase.

Additional Services: Some mortgage companies offer additional services such as mortgage insurance, property valuation, and financial planning advice. These services can add value and convenience to your mortgage experience.

For mortgage services, visit Mortgage Financing in Dubai.

Steps to Finding the Right Mortgage Company

Research and Compare: Start by researching various mortgage companies in the UAE. Use online platforms, read customer reviews, and compare their mortgage products and services.

Seek Recommendations: Ask friends, family, or colleagues for recommendations. Personal experiences can provide valuable insights into the reliability and efficiency of different mortgage companies.

Consult a Mortgage Broker: A mortgage broker can provide expert advice and help you find the best mortgage deals. They can also assist with the application process and negotiations.

Pre-Approval: Get pre-approved for a mortgage to understand your borrowing capacity and increase your chances of securing a good deal. Pre-approval also makes you a more attractive buyer to sellers.

Meet with Representatives: Schedule meetings with representatives from different mortgage companies to discuss your needs and ask questions. This will help you gauge their responsiveness and willingness to assist.

Review Terms and Conditions: Carefully review the terms and conditions of the mortgage offers. Pay attention to interest rates, loan terms, fees, and any other conditions that may affect your mortgage.

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

Popular Mortgage Companies in UAE

HSBC: Known for its competitive interest rates and flexible mortgage options, HSBC is a popular choice for homebuyers in the UAE.

Emirates NBD: Emirates NBD offers a range of mortgage products tailored to different needs, along with excellent customer service and quick approval times.

Mashreq Bank: Mashreq Bank provides personalized mortgage solutions with attractive rates and minimal fees, making it a preferred choice for many buyers.

ADCB: Abu Dhabi Commercial Bank (ADCB) offers comprehensive mortgage products with competitive rates and flexible repayment options.

Dubai Islamic Bank: For those seeking Sharia-compliant mortgage solutions, Dubai Islamic Bank offers a variety of Islamic mortgage products with favorable terms.

For property sales, visit Property For Sale in Dubai.

Real-Life Success Story

Consider the case of Noor and Hadi, who recently purchased their dream home in Dubai. By working with a reputable mortgage company, they secured a mortgage with favorable terms. The mortgage company provided expert advice, handled the paperwork, and ensured a smooth process from start to finish. This allowed Noor and Hadi to focus on finding their perfect home without worrying about the complexities of securing a mortgage.

For more insights into Dubai's real estate market, visit home loan dubai.

Future Trends in the UAE Mortgage Market

Digitalization: The UAE mortgage market is embracing digitalization, with many companies offering online application processes, digital document submission, and virtual consultations. This trend is making the mortgage process more efficient and convenient.

Sustainable Mortgages: There is a growing demand for sustainable mortgages that support environmentally friendly and energy-efficient homes. Mortgage companies are beginning to offer products that cater to this demand.

Flexible Mortgage Products: Mortgage companies are increasingly offering flexible mortgage products that cater to the diverse needs of homebuyers. This includes options for expatriates, first-time buyers, and investors.

For property sales, visit Sell Your Apartments in Dubai.

Conclusion

Navigating the mortgage market in the UAE involves careful research, comparison, and consideration of various factors. By understanding the market, seeking recommendations, and evaluating your options, you can secure a mortgage that meets your needs and financial goals. For more resources and expert advice, visit home loan dubai.

[khalid-albeshri]

Artificial intelligence in real estate industry:

Artificial intelligence (AI) is increasingly being utilized in the real estate industry to streamline processes, enhance decision-making, and improve overall efficiency. Here are some ways AI is making an impact in real estate:

1. Property Valuation: AI algorithms can analyze vast amounts of data including historical sales data, property features, neighborhood characteristics, and market trends to accurately estimate property values. This helps sellers and buyers to make informed decisions about pricing.

2. Predictive Analytics: AI-powered predictive analytics can forecast market trends, identify investment opportunities, and anticipate changes in property values. This information assists investors, developers, and real estate professionals in making strategic decisions.

3. Virtual Assistants and Chatbots: AI-driven virtual assistants and chatbots can handle customer inquiries, schedule property viewings, and provide personalized recommendations to potential buyers or renters. This improves customer service and helps real estate agents manage their workload more efficiently.

4. Property Search and Recommendation: AI algorithms can analyze user preferences, search history, and behavior patterns to provide personalized property recommendations to buyers and renters. This enhances the property search experience and increases the likelihood of finding suitable listings.

5. Property Management: AI-powered tools can automate routine property management tasks such as rent collection, maintenance scheduling, and tenant communication. This reduces administrative overhead and allows property managers to focus on more strategic aspects of their role.

6. Risk Assessment: AI algorithms can analyze factors such as credit history, employment status, and financial stability to assess the risk associated with potential tenants or borrowers. This helps landlords and lenders make informed decisions about leasing or lending.

7. Smart Building Technology: AI-enabled sensors and IoT devices can collect and analyze data on building occupancy, energy consumption, and environmental conditions to optimize building operations, improve energy efficiency, and enhance occupant comfort.

#KhalidAlbeshri#pivot#Holdingcompany#CEO#Realestate#realestatedevelopment#contentmarketing#businessmanagement#businessconsultants#businessstartup#marketingtips#خالدالبشري

[elsa16744]

What is Private Banking? – Definition and How It Works 

Some people amass significant wealth through business ventures or inherited multi-generational assets. The criteria to categorize them as “high-net-worth individuals” might vary across geographies. However, they require unique financial services like private banking and investment research outsourcing. This post will describe how private banking firms work. 

What is Private Banking? 

Private banking offers numerous wealth management, accounting, risk assessment, financial modeling, and property valuation services customized for high-net-worth individuals (HNWIs). Different firms and banks enable their HNWI clients to create investment strategies using private banking services. 

Relationship managers and private bankers serve clients exclusively, supervising all financial aspects concerning the client’s real estate investments, gold possessions, and investor portfolio. They also monitor how different public policies and market trends affect the risks associated with an HNWI’s wealth. 

Moreover, retirement planning is essential to private banking services because of the distinct lifestyle followed by high-net-worth individuals. Professional firms and private banks also plan the transfer of wealth involving family members, donations, and inheritance. 

How Does Private Banking Work? 

Private bankers and consulting relationship managers are responsible for strategically allocating the capital resources made available by HNWI clients. They can benefit from investment research outsourcing to streamline their portfolio management strategies. 

Each private banking client has 1 million USD as investable assets. Therefore, managing all the financial operations via systematic investment decisions and advanced accounting tools are some essential duties of private banking professionals. 

Their revenue depends on the performance of assets, agreed-upon commission rates, and offered services. When clients have more than 10 million USD, they are Ultra-HNWI. So, more precise risk management and investment research reporting become critical to the financial service providers at a private bank. 

Benefits of Private Banking 

1| Confidential Transactions 

Private banks prioritize protecting the privacy of clients, managers, dealers, and marketing personnel. They allow HNWI to conduct secure transactions involving large sums of money using proprietary mechanisms. 

Remember how celebrities, international sports athletes, and some industrialists prefer personalized treatment while building networks to enhance their social and financial status. They do not want public attention or the retail banking environment to manage their assets. Therefore, privacy is important to them. 

2| Minimized Human Risks and Convenient Access 

HNWI and Ultra-HNWI interact with the relationship manager or private banker who manages all other investment research outsourcing activities and banking interactions. So, wealthy individuals reduce the human risk of intelligence leakage or fraud by letting a single person control their assets on their behalf. 

If an HNWI interacts with multiple people, everyone in the communication chain will know about the HNWI and share this information with third parties. The benefits of private banking services include mitigating such dangers. 

3| Personalized Investment Opportunities 

Private banks offer discounts and other pricing optimizations to ensure that high-net-worth clients stay with them instead of switching to another service provider. For example, private bankers might provide you with more generous interest rates to facilitate a beneficial mortgage. 

Besides, clients engaged in international business are better positioned to acquire advantageous foreign exchange rates. Specialized lines of credit (LOC) can become available to the HNWI using private banks for wealth expansion. 

Conclusion 

Individuals who own investable assets that surpass 1 million USD in valuation reports demand tailored financial products and services. Simultaneously, investment research outsourcing teams assist their relationship managers and private bankers in strategizing portfolio development. 

The service fees charged by private banks vary across wealth reporting, risk management, legal compliance audits, real estate services, and inheritance. However, HNWIs and UHNWIs pay the fees to enjoy the increased privacy and convenience of large transactions. 

A leader in private banking services, SG Analytics supports worldwide private banks in devising research-backed investment ideas and strategies to maximize returns. Contact us today to get extensive insights into coverage expansion and the screening process. 

[longwindedbore]

Today’s reminder that Donald Trump et al are not in a civil trial in New York for inflating the values of their properties (what Trump says)

They are in a trial for FAILING to DISCLOSE LEGALLY MANDATED INFORMATION on Financial statements they made to acquire loans. (For which they were found liable in the Summary Judgment rendered against them).

The State discovered among the subpoenaed Trump paperwork (2017-2020) documentation that indicated repeatedly in loan after loan Trump deliberately failed to disclose mandated pertinent information such as that he

Had independent appraisals that indicated values considerably less for the buildings than he was listing

Used bank accounts he indicated as containing his personal cash which were really holding tens of million$$ of investors’ money already committed to other projects.

Failed to disclose the existence of loans outstanding.

Stated as anticipated golf income fees he’d already discounted.

The foregoing and more are laid out in the Summary Judgment.

This concealed information would have indicated to a Bank that Trump was likely over-extended and undercapitalized.

Ventures likely to fail (see Links below for Bankruptcies)

All of the foregoing and more involve confidential business transactions that can not be ‘appraised’ or found in public records.

The financial system depends on the veracity of those producing notarized statements.

Backed by the Apocalyptic legal consequences that can result for those found to have deliberately falsified the information.

As to Trump’s self-justifications ‘no one was hurt’ and ‘the banks were all paid back’

1. No one was hurt? How many Trump business failures set off a chain reaction of devestation among contractors and vendors (see links below)

2. The banks with older loans were paid off by new loans now totallying over a billion. The appraisals Trump concealed indicate he may be worth under billion.

The valuations of properties in the Summary Judgment. Add to this worksheet another $200M for the golf courses not included on the worksheet

LINKS======================

Failed Businesses

Bankruptcies https://labor411.org/411-blog/here-are-all-of-trump-s-bankruptcies-and-failed-businesses/

Contractors and vendors

https://www.northjersey.com/story/news/columnists/mike-kelly/2020/01/24/donald-trump-still-owes-money-to-contractors-who-built-taj-mahal-atlantic-city/4547037002/

https://www.usatoday.com/story/news/politics/elections/2016/06/09/donald-trump-unpaid-bills-republican-president-laswuits/85297274/

https://www.jsonline.com/story/news/politics/elections/2016/06/09/donald-trumps-trail-of-unpaid-bills/85685206/

[prettymunchkin]

AI is changing the real estate scene by introducing data-driven insights, efficiency, and personalization to the real estate industry. The influence of AI is enormous, ranging from quick property valuations and tailored consumer experiences to forecasting market trends. This infographic looks at how artificial intelligence (AI) is changing the real estate market today and what it means for buyers, sellers, and the sector overall.

Explore by reading!

[whiskeyswifty]

Bestie would you please link to your posts explaining wealth wrt to taylor? I'm poor but interested in the concept of how having that much money like... works

i think i only talked in depth once about the intricacies of the super wealthy and how they manage money to stay richer than all of us, and it took me FOREVER to find it so you're welcome.

Here you go

It's all speculation in terms of what she is and isn't participating in, but like the post says that obscurity of any provable net worth is on purpose! also another reminder that Forbes and whoever else that do their Net Worth articles are GUESSING!!! they don't know, nobody does. they guess based on a lot of what's in that post, valuations of businesses, etc etc. and many times they're wayyyyyyy off. I think the most notable was Forbes' proclamation that Kylie Jenner was a billionaire way back when when in fact she was not! not even close! They were duped by estimations of her company's valuation and properties and other stuff i don't remember.

Also another huge thing to remember is a lot of wealthy people's money at that level, like my post touches on, isn't liquid. liquid meaning like cold hard cash in a bank that you can take out of an ATM. liquid cash is heavily taxed, so most of a rich person's money is invested, making it untouchable, but also inaccessible to the person. Taylor proooooobably can't go to an ATM and take out 10 Mil. she's gotta pull that out of her portfolio where it's distributed across many investments or dip into several funds that are earmarked for other business related things. So the CRAZY part is their money like.... doesn't actually exist a lot of the time. it's in stocks or investments which change value all the time, and are totally arbitrary in value. She may earn what are called "dividends", which is any cent over the value of your original investment, but those are usually re-invested if they exceed a certain amount cuz they're taxable "income". (blah blah it all comes down to avoiding taxes).

alllllll of this is also totally obscured to people below a certain wealth threshold because they don't want icky yucky poor people like us participating in their moneymaking and investments to improve our own financial standing! many wealth managers and accountants know how to cheat just about anything, including taxes and loans (see the oceangate submersible "loan forgiveness" info if you wanna scream). once you reach that threshold, you will have insane resources at your fingertips to turn your large sums of money into even bigger sums, and to get out of paying taxes of any kind if you don't want to! This also applies ACROSS THE WEST not just america so if you think it's not happening in your western country, surprise! it is!!!

[oconnor2023]

What you need to know about Personal Property Valuation?

Did you know that Texas Appraisal Districts commit 3 major mistakes in valuing your BPP? Get a FREE copy of Pat O’Connor’s latest book provides detailed explanations of the 3 mistakes, visit https://www.poconnor.com/bpp-book-by-patrick-oconnor/

[heritage-instrument-insurance]

Does Insurance for Musical Instruments Worth the Salt?

When it comes to ensuring musical instruments many musicians may question its necessity. Probably, you have the same set of apprehensions about buying a dedicated plan for your gear. Right? One such query is - what if your instruments are already covered under their homeowners or renters' insurance policy? Well! There are a few reasons why specialized instrument insurance is relevant and beneficial. Read on to find those reasons.

Understanding the Relevance of Instrument Insurance

Here, we have rounded up a list of reasons why buying dedicated insurance for musical instruments is necessary. Let’s take a close look at the pointers jotted below:

Coverage for specific perils: While home or renters' insurance is likely to provide coverage for personal property (including your musical apparatus), they often come with restrictions on the types of perils covered. As musical instruments are susceptible to specific risks such as accidental damage, theft, or damage during a performance or transportation, home insurance might not provide adequate protection. However, specialized instrument insurance is designed to address these unique risks comprehensively.

Worldwide protection: Instrument insurance typically offers global coverage. It means that your instrument is protected not just at your home but also during travels or performances, ensuring peace of mind whether you're playing on a local stage or touring nationally. You are unlikely to get it covered with your home insurance plan.

Higher valuation: Musical instruments, especially high-end and vintage pieces, can be valuable assets. Traditional insurance policies may undervalue your instrument or provide insufficient coverage. Specialized instrument insurance allows you to establish the instrument's value and obtain adequate coverage. So, insurance is a win-win purchase for you.

Customized coverage: With instrument insurance, you can tailor your policy to meet your specific coverage needs. Whether you need protection against loss of income due to instrument damage or protection for accessories like cases, amplifiers, and sound equipment, you can customize your policy accordingly.

No deductibles: Many standard homeowners or renters' insurance policies come with deductibles, which means you have to pay a certain amount out of pocket before your insurance kicks in. In contrast, specialized instrument insurance often offers no deductibles, ensuring you are fully covered right from the start date of your insurance policy.

Choosing the Right Instrument Insurance

Before you decide to insure your musical instruments, here are some factors to consider:

Instrument appraisal: Get your instruments appraised to determine their current value accurately. It is crucial when seeking coverage that adequately reflects the instrument's worth.

Coverage types: Understand the different coverage options available. Consider what perils you want to protect against and what additional features you might need.

Insurance providers: Research various instrument insurance providers to compare coverage options, costs, and customer reviews. Reputable providers like Clarion Associates specialize in insuring musical instruments. Choosing one like them will help you get the right type and extent of protection for your musical buddies.

Documentation: Keep detailed records of your instruments, including photographs, serial numbers, receipts, and appraisals. Every piece of paper relevant to your insurance will be essential when filing a claim.

Review the policy: Read the policy terms and conditions of the insurance for musical instruments you intend to buy carefully to ensure you understand what is covered, the coverage limits, and any exclusions.

Conclusion

Your musical instruments are not just objects. You know it to the core of your heart that they are a part of your identity and passion. Instrument insurance in the USA offers the protection and peace of mind you need to continue creating and performing without worry. Do make it a thumb rule - do not wait until disaster strikes to realize the value of this coverage. Take the time to research, assess your needs, and invest in the right insurance for your instruments. In doing so, you can ensure that your beloved instruments remain safe, and your music continues to inspire and resonate with audiences for years to come.

[bwhitex]

Intentions = [Human] / Utility(Stream of Consciousness)

Stream of Consciousness

The consciousness stream represents the continuous flow of mental experiences, encompassing thoughts, feelings, and perceptual awareness (James, 1890). This phenomenon is central to the human condition, providing a narrative to our internal dialogues and external interactions.

Utility

Utility is a concept rooted in economics and psychology, reflecting the satisfaction or value derived from actions or outcomes (Bentham, 1789). It serves as a metric for decision-making, guiding individuals towards maximizing their personal well-being and subjective experiences.

Utility Times Stream of Consciousness

The multiplication of utility by the consciousness stream suggests an interdependent relationship between value assessments and mental experiences. This interaction posits that the subjective valuation of experiences (utility) is inextricably linked to the individual's ongoing mental narrative (consciousness stream), shaping intentions within a psychological framework (Kahneman & Tversky, 1979).

Human Distributed Across Utility Times Stream of Consciousness

When considering the distribution of human nature across the product of utility and the consciousness stream, the equation acknowledges the diffusion of human experiences and characteristics through the lens of utility and conscious awareness. This distribution highlights the complexity of human intention, which incorporates biological impulses, psychological states, and socio-cultural influences (Damasio, 1994).

Equals Intention

The culmination of this equation in intention underscores the multifaceted nature of purposeful human action. Intentions are not merely the result of logical computation; they are the emergent properties of a dynamic interplay between the human essence, the value ascribed to experiences, and the richness of the conscious mind (Bratman, 1987).

References:

Bentham, J. (1789). An Introduction to the Principles of Morals and Legislation. T. Payne.

Bratman, M. E. (1987). Intention, Plans, and Practical Reason. Harvard University Press.

Damasio, A. R. (1994). Descartes' Error: Emotion, Reason, and the Human Brain. G. P. Putnam's Sons.

James, W. (1890). The Principles of Psychology. Henry Holt and Company.

Kahneman, D., & Tversky, A. (1979). Prospect Theory: An Analysis of Decision under Risk. Econometrica, 47(2), 263-291.

[dontmeantobepoliticalbut]

Ivanka Trump has wriggled her way out of a court order appointing a special monitor to oversee the finances of the Trump Organization and individuals connected to the company, according to The Daily Beast.

The agreement allows Ivanka Trump to keep her own business interests away from the gaze of a retired federal judge who is tasked with keeping an eye on the Trump Organization's transactions to ensure it doesn't commit any more alleged fraud.

The company was barred from transferring or disposing of material without giving advance notice to the court and New York Attorney General Letitia James' office after James sounded the alarm over a Trump scheme to form a "Trump Organization II" after she filed a $250 million fraud lawsuit against the Trump family and company.

A jury in Manhattan on Tuesday found two entities controlled by former President Donald Trump guilty of 17 counts of criminal tax fraud and falsifying business records. The Trump Corp. and Trump Payroll Corp. were found guilty of all charges brought by Manhattan District Attorney Alvin Bragg.

James in the August lawsuit alleged that Trump and his three eldest children were involved in a decade-long fraud scheme. She is seeking to permanently bar them from serving as an officer or director of a company in New York state.

Justice Arthur Engoron placed the company under court supervision to scrutinize major transactions and ensure the Trump Organization would not shift assets to stash cash away from law enforcement.

In the midst of this, Ivanka Trump's lawyers wrote to the judge last month requesting a special exemption, arguing that she hasn't held an official role at the Trump Organization since serving as a White House aide during her father's presidential administration, The Daily Beast's Jose Pagliery reported.

Her lawyers made similar arguments in the state's appellate court, a source told the outlet. She even went as far as retaining her own lawyers and filing an appeal that was separate from the rest of the family.

​​"Ms. Trump has had no involvement for more than five years… Ms. Trump has had no role as an officer, director, or employee of the Trump Organization or any of its affiliates since at least January 2017," her lawyers said in an appeal filed Nov. 7.

But the eldest daughter of the former President was "a key player in many of the transactions" under investigation, especially because of her involvement in cutting deals that relied on falsified documents, according to court papers in the Attorney General's office.

NY AG lawyers also found that she is "responsible for securing loan terms" from Deutsche Bank relying on fake property valuations for the company's golf course in Doral, Florida. Investigators also claim she "played similar roles" in obtaining money for the company's projects in Chicago and Washington, D.C.

Pagliery tweeted on Wednesday that the latest filings show that Ivanka Trump "keeps distancing herself from her father's legacy of shame."

Ivanka Trump started distancing herself from her father's legacy soon after he incited violence at the Capitol and attempted to overthrow the 2020 presidential election.

She later testified before the House Jan. 6 Committee and said she "accepted" Attorney General Bill Barr's "perspective about the election" not being fraudulent.

More recently, she has kept a low profile, refusing to show up to her father's announcement of his 2024 presidential campaign. She has stated that she does not intend to reenter political life.

[guam-realtor]

Discover the Best Guam Real Estate Agent at RomaGuamProperties.com

When it comes to buying or selling real estate in Guam, having a reliable and experienced Guam Real Estate Agent by your side can make all the difference. At RomaGuamProperties.com, you'll find a team of dedicated professionals ready to assist you in your real estate journey. Whether you're looking for your dream home, an investment property, or need expert guidance on selling your current property, their expertise and personalized service will ensure a smooth and successful transaction.

1: Why Choose RomaGuamProperties.com for Your Real Estate Needs?

At RomaGuamProperties.com, their commitment to client satisfaction sets them apart as the go-to Guam Real Estate Agent. Here are a few reasons why they should be your top choice:

Extensive Local Knowledge: With years of experience in the Guam real estate market, RomaGuamProperties.com has an in-depth understanding of the local neighborhoods, market trends, and property values. This knowledge allows them to provide valuable insights and guide you in making informed decisions.

Diverse Property Listings: Whether you're searching for a luxury beachfront villa, a cozy family home, or a commercial property, RomaGuamProperties.com offers a wide range of property listings to suit every preference and budget. Their website is user-friendly, allowing you to explore available options and find your ideal property effortlessly.

Professional and Personalized Service: The team at RomaGuamProperties.com prides itself on delivering exceptional customer service. They take the time to listen to your needs, understand your goals, and tailor their services accordingly. From property showings to negotiations and paperwork, they handle every step with professionalism and attention to detail.

2: Buying with Confidence - Your Dream Home Awaits

Finding your dream home can be an exciting yet overwhelming process. With a trusted Guam Real Estate Agent from RomaGuamProperties.com, you can navigate the buying journey with confidence. Here's how they assist you:

Property Search: Whether you have specific requirements or need assistance in defining your preferences, RomaGuamProperties.com helps you find properties that align with your needs. They provide detailed information, high-quality images, and virtual tours to help you make informed decisions.

Expert Negotiations: When it's time to negotiate the best price and terms, you can rely on the negotiation skills of the RomaGuamProperties.com team. They have a deep understanding of the local market and can effectively advocate for your interests.

Streamlined Transactions: From coordinating inspections and appraisals to guiding you through the paperwork and closing process, RomaGuamProperties.com ensures a smooth and hassle-free transaction. They work diligently to minimize any potential obstacles and keep you informed at every step.

3: Selling Made Easy - Maximize Your Property's Potential

If you're planning to sell your property in Guam, partnering with a knowledgeable Guam Real Estate Agent is essential to maximize its potential. RomaGuamProperties.com offers comprehensive selling services, including:

Accurate Property Valuation: RomaGuamProperties.com provides a detailed analysis of your property's market value based on current market conditions and comparable sales. This ensures that you set the right price to attract potential buyers while maximizing your return on investment.

Strategic Marketing: To give your property maximum exposure, RomaGuamProperties.com utilizes a variety of marketing channels, both online and offline. From professional photography and virtual tours to targeted advertising campaigns, they ensure your property stands out in the competitive market.

Expert Guidance: Selling a property involves complex paperwork, negotiations, and legal considerations. RomaGuamProperties.com handles all these aspects with expertise, ensuring a seamless selling process. They keep you updated on market feedback, offers, and assist in evaluating the best offers to achieve a successful sale.

Conclusion: When it comes to Guam real estate, RomaGuamProperties.com stands out as a trusted and reliable Guam Real Estate Agent. With their local knowledge, personalized service, and commitment to client satisfaction, they are your partner in finding your dream home or successfully selling your property. Visit their website today to explore their property listings and experience their exceptional service firsthand.

[buyresidentialpropertiesindubai]

Expert Advice on Choosing a Mortgage Company in UAE

Choosing the right mortgage company in the UAE is essential for securing favorable mortgage terms and rates. This guide will provide expert advice on selecting the best mortgage company for your needs.

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Understanding the UAE Mortgage Market

Market Overview: The UAE mortgage market is diverse and competitive, with a wide range of local and international banks offering various mortgage products. Understanding the market landscape is essential for making the right choice.

Types of Mortgages: Mortgages in the UAE can be classified into fixed-rate and variable-rate mortgages. Fixed-rate mortgages provide stability with consistent monthly payments, while variable-rate mortgages fluctuate based on market conditions.

Eligibility Criteria: Each mortgage company has its own eligibility criteria, including income requirements, employment status, and credit history. Understanding these criteria will help you identify which companies you qualify for.

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Key Features of Mortgage Companies

Competitive Interest Rates: Leading mortgage companies offer competitive interest rates, helping you save money over the loan term. Compare the rates offered by different companies to find the best deal.

Flexible Loan Terms: Look for mortgage companies that offer flexible loan terms, including various repayment periods and options for early repayment without penalties.

Customer Service: Excellent customer service is essential when dealing with mortgage companies. Choose a company with a strong reputation for providing responsive and helpful support.

Quick Approval Process: The approval time for mortgages can vary between companies. Select a company known for its quick and efficient approval process to avoid delays in your property purchase.

Additional Services: Some mortgage companies offer additional services such as mortgage insurance, property valuation, and financial planning advice. These services can add value and convenience to your mortgage experience.

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Steps to Choosing the Right Mortgage Company

Research and Compare: Start by researching various mortgage companies in the UAE. Use online platforms, read customer reviews, and compare their mortgage products and services.

Seek Recommendations: Ask friends, family, or colleagues for recommendations. Personal experiences can provide valuable insights into the reliability and efficiency of different mortgage companies.

Consult a Mortgage Broker: A mortgage broker can provide expert advice and help you find the best mortgage deals. They can also assist with the application process and negotiations.

Pre-Approval: Get pre-approved for a mortgage to understand your borrowing capacity and increase your chances of securing a good deal. Pre-approval also makes you a more attractive buyer to sellers.

Meet with Representatives: Schedule meetings with representatives from different mortgage companies to discuss your needs and ask questions. This will help you gauge their responsiveness and willingness to assist.

Review Terms and Conditions: Carefully review the terms and conditions of the mortgage offers. Pay attention to interest rates, loan terms, fees, and any other conditions that may affect your mortgage.

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Popular Mortgage Companies in UAE

HSBC: Known for its competitive interest rates and flexible mortgage options, HSBC is a popular choice for homebuyers in the UAE.

Emirates NBD: Emirates NBD offers a range of mortgage products tailored to different needs, along with excellent customer service and quick approval times.

Mashreq Bank: Mashreq Bank provides personalized mortgage solutions with attractive rates and minimal fees, making it a preferred choice for many buyers.

ADCB: Abu Dhabi Commercial Bank (ADCB) offers comprehensive mortgage products with competitive rates and flexible repayment options.

Dubai Islamic Bank: For those seeking Sharia-compliant mortgage solutions, Dubai Islamic Bank offers a variety of Islamic mortgage products with favorable terms.

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Real-Life Success Story

Consider the case of Fatima and Zayed, who recently purchased their dream home in Dubai. By working with a reputable mortgage company, they secured a mortgage with favorable terms. The mortgage company provided expert advice, handled the paperwork, and ensured a smooth process from start to finish. This allowed Fatima and Zayed to focus on finding their perfect home without worrying about the complexities of securing a mortgage.

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Future Trends in the UAE Mortgage Market

Digitalization: The UAE mortgage market is embracing digitalization, with many companies offering online application processes, digital document submission, and virtual consultations. This trend is making the mortgage process more efficient and convenient.

Sustainable Mortgages: There is a growing demand for sustainable mortgages that support environmentally friendly and energy-efficient homes. Mortgage companies are beginning to offer products that cater to this demand.

Flexible Mortgage Products: Mortgage companies are increasingly offering flexible mortgage products that cater to the diverse needs of homebuyers. This includes options for expatriates, first-time buyers, and investors.

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Conclusion

Choosing the right mortgage company in the UAE involves careful research, comparison, and consideration of various factors. By understanding the market, seeking recommendations, and evaluating your options, you can secure a mortgage that meets your needs and financial goals. For more resources and expert advice, visit Dubai Real Estate.