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searedwood · 4 years ago

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30 Day Gay Journal Prompts

This is specifically designed for Pride Month and self celebration, but this can be for literally any other use. Except hate. No hate allowed.

Day 1- Write your preferred name(s), pronouns, nice nouns (nouns you like to be referred to as), and bad nouns (nouns you don't like to be referred to as).

Day 2- Record your triggers, from really bad to not as bad to getting over it. Add any specifications or notes if you feel like you need them. This is so you can identify what makes you uncomfortable or panicked, which will help you be able to identify and avoid a situation in which you may feel threatened, uncomfortable, or panicked.

Day 3- Make a list of signs that you are having a panic attack. This will help you be able to communicate to close friends or family members what may happen in an event you become panicked. This will also help you identify when you're having a panic attack, which will help you be able to calm down. Additionally, record some ways that will help stop the panic attack. For me, some ways of calming down are to go outside, my stuffie, breathing and grounding exercises, comfort music, and puns or jokes.

Day 4- Take some time and think about what makes you happy and relaxed. Write down your comfort music, comfort videos, and comfort characters. If you have a comfort game or movie, include that as well. This is to help you identify a source of calm, relaxation, and happiness that you can easily fall back on if you are uncomfortable or scared.

Day 5- Do some research on LGBTQIA+ labels, flags, and symbols. Write down your gender identity and what it means for you. Write down your sexual and romantic orientations as well, and what they mean for you. Additionally, draw little Pride Flags and symbols beside each label. I drew the genderfaunet flag on the inside cover of my journal, along with corresponding flowers that represent what I see in my identity, as well as what I hope to integrate into myself (Snowdrop - rebirth, Chrysanthemum - truth, Rose leaves - hope, Lilacs - growth/progress, Yarrow - healing, and Narcissus - self love)

Day 6- Write down the titles of your favorite LGBTQIA+ books, movies, TV shows, and games, or titles you want to see/read/play. Do a little digging and find out what titles sound interesting. Supporting LGBTQIA+ creators is a wonderful way to celebrate Pride.

Day 7- Journaling doesn't have to be just writing. Try drawing some LGBTQIA+ inspired art, whether it's just a few doodles, a flag or two, or a beautiful painting. Dedicate this entry to expressing yourself and your identity in a way without words.

Day 8- Write gay poetry. You may not think yourself talented or particularly good at writing poems, but that doesn't mean you should keep yourself from doing it, even for a day. Poetry is a wonderful way to bend language to your will and express yourself in a way that only you have to understand. Write a poem expressing your experience in the LGBTQIA+ community, or a poem detailing your first gay crush. Whatever you feel on your heart today, put it into beautifully unique words.

Day 9- Write about the moment you realized you weren't straight or binary. Alternatively, write about the moment you learned what the LGBTQIA+ community was. Describe your feelings and thoughts in the moment, and reflect over how they have changed and evolved over time.

Day 10- Take a moment and think about where you would be if LGBTQIA+ rights have existed all along, without the need for reform laws or protests. Write down who you think you would be, how you would live, and how easy it would be to do things you can't right now. At the same time, think about the disadvantages. Consider the lack of a fight for freedom and how that may influence your opinion or thoughts.

Day 11- Write a letter to your younger self. Tell your younger self about who you are and who you've become. Give them words of encouragement about the journey ahead. Remind your younger self that no matter what happens, you turn out to be a wonderful and beautiful person.

Day 12- Write a letter to your older self. Detail your present experience as a member/ally of the LGBTQIA+ community. Present your ideas about where the community will be moving forward and how much progress society as a whole will make. Ask yourself some questions, like "How do you celebrate your identity?" Later in the future, you can come back to this letter and respond.

Day 13- Learn some phrases or words of Polari. Polari is a critically endangered language invented by young gay men living in Britain. It was also used by circus men and theatre kids. Few LGBTQIA+ people now know of the language, so there's no better time to try to revive it.

Day 14- Do some research on Pride history. Record interesting or important events that marked the history of the LGBTQIA+ community. What happened at the first Pride Parade? Who was the first advocate for gay and lesbian marriage? What was the LGBTQIA+ community like before it was acceptable to be openly queer?

Day 15- Write a letter to those that are anti-LGBTQIA+. Explain why queer rights are humans rights. Tell them that love is love. Or, if you're feeling like letting loose that anger, just tell them off. This letter is for your eyes only, so don't be afraid to get mean if it makes you feel better.

Day 16- Take a moment and think about how you wish to represent yourself. Do you want to wear skirts and dresses? Do you prefer baggy pants and a puffy jacket? Do you like wearing makeup? How do you style your hair? Record how you currently dress and look and how you wish you could dress and look. Write about how your wishes reflect your identity.

Day 17- Write some ways you can improve on the way you treat yourself. Are you hard on yourself because you just can't make the right grade? Do you obsess over how you don't fit in to your family's standards of gender and sexuality? Give yourself some love and think about how you can be nicer to yourself. Remind yourself that school grades aren't more important than your own needs. Remember that if you are in an unhealthy relationship with friends or family, it isn't your fault.

Day 18- Write about what really makes you feel like yourself. You know better than anyone what your authentic self is. So what is it? What makes you feel really... you?

Day 19- If someone described you, what would they say? This can be anything from physical appearance to personality. This can help you think about how you present yourself to others. Do you want more people to know exactly what gender you identify as? Do you not want people to know what pronouns you prefer?

Day 20- Do some research on neopronouns. If you don't use any, perhaps you'll find a set or three you feel comfortable with (if not, that's fine!) If you can't do your own research, try making up your own set! I sometimes feel semi-feminine, like just a little teaspoon of femininity, but I don't really like she/her pronouns. So, I made for myself a set that sounds similar but isn't quite there. Xe/Xer/Xers/Xerself. The 'x' is pronounced like the 's' in 'measure.' A good way to make sure you know how to use a set of neopronouns in a sentence is to use this example I got from pronouny: Today I went to the park with xer. Xe brought xer frisbee. At least, I think it was xers. By the end of the day, xe was throwing the frisbee to xerself.

Day 21- Have you heard the phrase "black sheep of the herd"? It refers to someone that doesn't really fit in to their social group. In what ways are you the black sheep? Is it because of your identity or orientation? How can you help others to see you aren't different and shouldn't be alienated? How can you encourage people to welcome LGBTQIA+ people to the herd?

Day 22- Imagine you are teaching a class of young children about LGBTQIA+, gender, and sexual/romantic orientations. What would you say? How would you encourage them to be open minded and to explore their own identities?

Day 23- With great Pride comes great hardships. There are many obstacles and difficulties when it comes to finding your true self and figuring out your identity and orientation. What hardships have you overcome? What have you learned from them?

Day 24- One of your friends comes to you about having questions about gender identity. They are questioning their own identity and seek your help and support. List some ways you would help your friend feel supported and loved while also helping them discover their identity.

Day 25- List three things you would do if you weren't afraid. (For me, these would easily be: attending Pride Parades, advocating for queer rights, and coming out)

Day 26- Take your favorite or least favorite LGBTQIA+ ship and rewrite a scene as if they were together, or list some of your favorite queer ships.

Day 27- Discover some gender-neutral terms for things like family members, romantic partners, or honorifics (Mister, Miss, Mx.). If you can't find any you find interesting or comfortable, try creating some of your own. My pibling (parent+sibling) calls me their nibling or nibkid (NB term for sibling's child).

Day 28- Have you ever wanted to write a story? Record an idea or two, or three or four, for LGBTQIA+ stories. They can be anything from lesbian princesses to a coming-of-age trans story. Maybe you'll end up planning out your best seller!

Day 29- Think about what rights aren't granted to LGBTQIA+ people. What are they? Do they directly affect you as well? How do these lack of rights make you feel? What can you do to help advocate for these rights?

Day 30- The last day of Pride Month doesn't mean it's the last day of acceptance and love. How can you spread Pride throughout the year? How can you keep and open mind and heart and advocate for LGBTQIA+ rights? Maybe set a list of goals for yourself, things you want to keep up through the year.

#queer pride #lgbt pride #gay pride #lesbian pride #asexual pride #nonbinary pride #pride #writing prompts #journal prompts #lgbtqia #lgbt #lgbt community #love is love #gay #gay journal #queer #self love #queer representation

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sycriptouk · 3 years ago

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Donkey Kong – King of APES DD – Uncovered Potential in DKNG

Ape GOD

Disclaimer: This is based on what I've researched and to the best of my ability. Do your own DD. Obligatory this is not an investment advice.

TLDR – Undervalued, unknown market potential (nobody is looking at the data in front of them), and getting crushed by shorts. Increase in institutional ownership over 100%, red flag for manipulation.

ƝƑŢs sales are huge, and the market has already rewarded other ƝƑŢ players handsomely, dapper labs, Sorare, Topps and others, with huge valuations, while DraftKings has been in the game for less than 70 days and is emerging as the 3rd best with a fraction of the inventory and users.

What's a ƝƑŢ again? It's a type of digital currency - usually run on Ether block chain - that's used to represent a unique asset and is valued as collectors' items. They are usually art, but can also be a meme, GIFs, songs, videos or items in video games. ƝƑŢs work like other speculative assets, where buyers hope that the value of it goes up, so it can be sold for a profit...

Stats: According to DappRadar, ƝƑŢ sales exceeded $10B in the third quarter of 2021, marking a 704% increase from the previous quarter

https://preview.redd.it/8n00o7clxtu71.png?width=511&format=png&auto=webp&s=99a58af6bf64ec3f7c1611434d62c3f18eb0a25e

DraftKings is extremely aggressive when trying to capture market share, as you can see by their acquisitions in the past and currently, with ƝƑŢs its not different, they’ve bought Scarcity Labs and as per the below they are hiring and onboarding developers to grow their ƝƑŢ’s side to include art and videos to take market share from OpenSea and other ƝƑŢ marketplaces outside of Sports. All in all DKNG is taking everyone’s lunch with aggressive expansion.

Price Target – current price is a bargain/ manipulation by short sellers. Realistically including the growth business of ƝƑŢ’s and the blowout next 2 quarters with NFL, NHL and NBA combined, price should moon above $100+ a share. No analyst covering DKNG is including a ƝƑŢ marketplace valuation and has not scraped the data to even look into it.

Sales of ƝƑŢ marketplaces – Sports related only – 7 days’ worth

Source - https://cryptoslam.io/ as of 2021-10-10, Draftkings sales only cover secondary sales from Sept – 28 to Oct 8th, data file = https://github.com/jk100x/DKNG-Data , only event during this time was the Usain Bolt drop. .

The above data includes all sales for the top ƝƑŢ marketplaces except for DraftKing’s which is only the secondary sales from this activity feed (https://marketplace.draftkings.com/listings/feed) , I attempted to scrap the data but probably missed some in the process. Either way the numbers are shocking, with less than 70 days operating, a few users and around 70 something ƝƑŢs available to buy and sell, they have passed Topps and are averaging a higher price per transaction and per buyer then TOPPS, NBA Top Shot and Sorare.

Sample of top Secondary sales from Sept – 28 to Oct 8th , data file = https://github.com/jk100x/DKNG-Data , only event during this time was the Usain Bolt drop.

Dapper Labs has been in the forefront for sports ƝƑŢs and been in the game a long time, the valuation they received shows the market is rewarding them for their market leadership, ( https://www.ledgerinsights.com/analysis-dapper-labs-nba-top-shot-tops-100-million-blockchain-collectible-sales-nft/ and https://frontofficesports.com/dapper-labs-raises-250m-at-7-6b-valuation/ ). With a 7.6 billion dollar valuation and growing since February 2021, you would think they would have better revenue but they were around $12 to $13 million in 5 months according to the attached article. DKNG in comparision based on the 7 days’ worth of data on secondary sales alone, would of done around 20 million (roughly based on secondary sales alone, could be more), all things not being equal since NBA tops shots has had over 67,000 users 400,000 packs vs DraftKings in 5 months would have about 200 ƝƑŢs available.

Sorare, the second place ƝƑŢ sports marketplace has had tremendous success as well ( https://techcrunch.com/2021/09/20/sorare-raises-680-million-for-its-fantasy-sports-nft-game/ ) , a 4.3 billion dollar valuation based on 150,000 users, several more ƝƑŢs then Draftkings but only 3x the sales in the 7 day period, with 7 times the amount of users and 8 times the amount of transactions?

No analysts have factors these figures into their valuations of DKNG but predict a higher price target than the current level. With the valuations other ƝƑŢ marketplaces are getting, a marketplace like DraftKings should be flying right now with this type of impressive growth and on track to outperform NBA top shot and Sorare as the market leader in this space.

No analyst has probably even looked at the data on this and is just waiting for the Nov 2021 earnings report to get some indication from the Exec team on this.

Sky’s the limit as they move aggressively into this market, this is evident with the acquisition of Scarcity Labs this year (https://oziellaw.ca/canadian-based-scarcity-labs-acquired-by-draftkings/), these guys operate in the art space and since acquired, DraftKings has on boarded their employees and execs, including founders and aggressively started hiring more developers for this space. Buying Scarcity labs includes their art division, Ephimera.com as well as the core competencies their teams were working on, including video related ƝƑŢs , as per this employees GitHub, last updated 6 days ago (https://github.com/sesameJar?tab=repositories).

This acquisition of Scarcity Labs means Draftkings will go after marketplaces like OpenSea, ( https://venturebeat.com/2021/07/20/opensea-raises-100m-at-1-5b-valuation-for-nft-marketplace/) a 1.5 billion dollar valuation in July 2021, based on how much DraftKings accomplished in the past 60+ days with sports ƝƑŢs, and we should see revenue from the art space shorty. We see they are making the right moves as per the below hiring and employees they have in house now.

Hiring aggressively in the past month

https://preview.redd.it/k4va79orxtu71.png?width=915&format=png&auto=webp&s=a0a8b8ff0c994607a4cdfdfbc907b809f5639b48

Talent from Scarcity Labs

https://www.linkedin.com/search/results/people/?keywords=scarcity%20labs%20inc.%20&origin=CLUSTER_EXPANSION&position=0&searchId=32b38785-a9a3-4ecd-99e8-2ecfc7b25265&sid=3md

https://preview.redd.it/uil9w0ksxtu71.png?width=512&format=png&auto=webp&s=0057927d753b626096a039eba05c47d0d7fc80b8

Block chain Developer at DraftKings Inc. - https://www.linkedin.com/in/ben-weinberg-270196153

Blockc hain Developer at DraftKings & Ephimera.com - https://www.linkedin.com/in/mehrad-kavian-39b58856 - Github this this developer, includes Video ƝƑŢ projects updated as recently as 6 days ago. Ephimera.com owned by Draftkings at this point at well. https://github.com/sesameJar?tab=repositories

Software Engineering Manager - https://www.linkedin.com/in/emma-ya-chih-hsueh-4565a264 - Scarcity labs co-founder and former CTO at Scarcity labs

Block chain Developer at DraftKings Inc. - https://www.linkedin.com/in/lijia-hou

High growth potential for DraftKings Marketplace

Less than 70 days operating and the sales are flying as we can see by this feed https://marketplace.draftkings.com/listings/feed and the feeds on each listing page https://marketplace.draftkings.com/listings/collectibles/aa2b32c65aab4614844df59a09f3eaae. But most importantly the nature of the trading in the market place is picking up because of the low barriers of entry, because this doesn’t involve special wallets at this time, we see traders like this https://www.youtube.com/watch?v=YFT8XxKl8Gc and several others jumping in the 10x their money on these ƝƑŢs, this is driving up the demand and several videos and traders like this exist on the platform as evident by the Autograph discord as well.

More public companies entering into ƝƑŢ space

Plenty of companies getting a boost in valuation based on this new and rightfully so if they can execute to the level of DraftKings

https://nft.gamestop.com/

https://www.cnbc.com/2021/10/12/coinbase-is-launching-a-marketplace-for-nts.html

Celebrity Endorsements – Free marketing for DraftKings through Autograph partnership

https://preview.redd.it/9rnh1q9txtu71.png?width=669&format=png&auto=webp&s=b250e3454f6e69dd0e1e0d8ff2c0a2cbefd8dddc

Ownership Summary – potential manipulation

Bloomberg’s showing off the charts institutional ownership of this stock, a lot of smart money in this stock as one would expect. But with over 100% of the shares being owned by institutional investors we find ourselves in a similar situation as before with Gamestop - https://www.reddit.com/r/stocks/comments/le7syu/gme_institutions_hold_177_of_float/ , Shorts manipulating the current price. I chose this post because it’s from Feb 6th and GME was trading at $60, everyone thought the squeeze was over, and shorts were happy with that, few weeks later its trading above $200. We are seeing the same red flags with DKNG

Below are screenshots of other known high short stocks, if smart money thinks they are so shit, why do so many institutions hold them… has to be for shorting

https://preview.redd.it/zt7bwhxtxtu71.png?width=450&format=png&auto=webp&s=460e77969a84792421b75dda5e20f0498d20f864

Heavy short sales in Dark Pools - Over 40%

https://fintel.io/ss/us/dkng

For those interested, shorts are piling on through dark pools. Potential exist to squeeze. The use of dark pools is very interesting as we know this is to hide the obvious intention to tank the stock but the level it’s reaching is becoming absurd.

Showing similar level of manipulation that exists in AMC and CLOV, known hedge fund manipulated stocks. DKNG showing sharp declines in price despite upcoming catalyst of state legalizations and during crucial sports betting half of the calendar year.

DKNG is showing the same level of dark pool shorting as NKLA a known fraud stock. This make no sense other than manipulation to pin down the price for market makers to make money on options expiring worthless.

Dark pools Explained - https://www.youtube.com/watch?v=hq9waP7goSc

AMC type Dark pool shorting – video referencing this type of shorting from March 2020, pre- AMC Squeeze - https://www.youtube.com/watch?v=WWQ183XbZPo

Reference to Raw Shorting files - https://www.finra.org/finra-data/browse-catalog/short-sale-volume-data/daily-short-sale-volume-files

DKNG - https://fintel.io/ss/us/dkng

https://preview.redd.it/vdhk8fvuxtu71.png?width=1357&format=png&auto=webp&s=ae3077cdd82e2e35a86fb4900819651a0dab3526

CLOV - https://fintel.io/ss/us/clov

https://preview.redd.it/6k3xp0rvxtu71.png?width=1347&format=png&auto=webp&s=a4eb1a4539f3305432ebd86af990354600a1e366

AMC - https://fintel.io/ss/us/amc

https://preview.redd.it/w84l25awxtu71.png?width=1354&format=png&auto=webp&s=ac4d957ff699ccc06fa8c14c7e59f6cc6b490d2e

NKLA - https://fintel.io/ss/us/nkla

https://preview.redd.it/38pv64uwxtu71.png?width=1340&format=png&auto=webp&s=9ce64bdc09f5c7ac256dded0dd7243cacd97e42f

Sports market, NBA, NFL and NHL

Zack’s report forecast

https://www.nasdaq.com/articles/draftkings-dkng-stock-moves-0.33%3A-what-you-should-know-2021-09-30

Calling for revenue of $220.18 million, up 65.75% from the prior-year quarter

Revenues should be a lot more with the new states opening up, there still exist states where its legal to bet on sports but DraftKings has not entered yet, these figures don’t get calculated properly by analyst in this space but as you can see below, the potential is there.

https://preview.redd.it/jidxbocxxtu71.png?width=624&format=png&auto=webp&s=aa48d41d3fa136ee6bfb76ead28234b2c6c60ee2

https://preview.redd.it/12cpm43yxtu71.png?width=624&format=png&auto=webp&s=34d4d72ded900de6e2d46b4cb23b6e1fb459eb11

Analyst ratings + price targets

All analyst covering this sector are almost entirely missing out on the potential of this stock because they didn’t look into the data available them and try to project ƝƑŢ sales, it’s difficult and depends a lot on demand which we only now know from scraping the data, the demand exist and is ramping up. Despite this, high price targets and buy ratings still come flying in as per below.

We see bull cases all time like the one below:

https://preview.redd.it/88eqt0oyxtu71.png?width=624&format=png&auto=webp&s=ead774693ba830f51d9276234a282e9cd7089a39

Overall Analyst ratings

https://preview.redd.it/mgq4m8wzxtu71.png?width=624&format=png&auto=webp&s=0d1481c792ac27fbc5dde373796b1543b93ba6b0

https://preview.redd.it/n3jyqxc0ytu71.png?width=624&format=png&auto=webp&s=7d78c8901354abd02731b20adce911e370c20f27

Additional info –

Gamma ramping up

https://finance.yahoo.com/news/call-traders-betting-big-draftkings-175616595.html

Call flow increasing significantly throughout the past few weeks, most likely to do with the start of NFL and NBA. Gamma Squeeze potentially if the share price can reach break a reasonable level despite all the shorting, a lot of out of the money call options are out there to gamma squeeze as well. Market makers are trying hard through dark pools to make sure these calls expire worthless.

https://preview.redd.it/4ut94wb1ytu71.png?width=624&format=png&auto=webp&s=1635d209cc182713f36fb8395656b1832cb824ea

digital Currency Catalyst Upcoming

Existing tech to use digital currency to gamble, this was revealed by an employee in to a short seller and included in the below report. The Tech exist and DKNG has its hands on it through the acquisition of SBTech. This should give them first mover advantage when it’s legal in the U.S, if they acquire Entain, they will use it where it’s legal in parts of Europe as well.

This was confirmed by the below short seller, whom is the most unbiased source in this case as their intent was to hurt the stock not help it. Having using this tech was illegal but after DKNG acquired SBTech, no illegal activities were perpetrated making the short report a moot point and since acquiring, DKNG has pass numerous due diligence checks by regulators.

Credit Suisse analyst Benjamin Chaiken defended DraftKings in a note, saying investors should use the stock’s drop as an opportunity ahead of potential gambling legalization in Canada and in New York. The analyst rates the stock ‘outperform’, with a price target at $85.

https://hindenburgresearch.com/draftkings/

https://preview.redd.it/shavksx1ytu71.png?width=624&format=png&auto=webp&s=0447ec749f1a3b22fde6438716fc546cd20ba582

Entain Deal

https://www.reddit.com/r/DKNG/comments/q84kg9/long_term_value_and_entain_deal/

From the above reddit post:

There’s been a good amount of posts lately with people seeming to be worried about dilution over a possible Entain acquisition and near term stock price reduction and I wanted to share some perspective on corporate acquisitions, having followed and worked on M&A deals.

First, any major acquisition will take a long time to complete - as in likely close to or longer than a year. Check out something like salesforce buying slack. Sports gambling is a highly regulated industry and there will need to be extensive diligence. There is also antitrust investigations by FTC and DG Comp in the EU, but that likely won’t slow this deal down because it only results in growing markets rather than mainly increasing market share in existing markets.

Second, there will need to be an understanding of how to unwind the MGM and Entain partnership before the deal is even accepted. That partnership also likely requires the solicitation of competing bids that must then be analyzed.

Beyond that, even if additional stock is required to be issued that doesn’t mean the price is going to tank. I think a lot of folks on Reddit are used to meme type squeezes, which often depend on low float. Professionally run companies often issue new shares, which result in a temporary drop of a few percentage points but then bounce back.

Finally the TAM for sports gambling in the US is between $15-$50 billion depending on how promise of you want to be and what stories you are reading. Global market is around 2x. So conservatively we are looking at $50billion global TAM. If DKNG can capture 20% that’s approx. $10 billion in revenue.

If we are conservative with a valuation and go with 5x then this is a $50 billion company post Entain. If you want to treat DKNG as a tech company and go with 10x revenue then you are looking at $100 billion and a stock price of around $160. And that’s without adding new revenue areas and with a somewhat conservative TAM.

A lot still needs to go right to get to that market share long term but my quick back of the napkin math has DKNG at a clear buy long term and an expectation that it gets back to $65-$74 post earnings if overall market remains stable.

In addition to this, with Draftkings established backend tech in block chain and digital currency casinos (attained through acquiring SBtech), a deal with Entain would allow them to use this tech in U.K, as per the link below, its legally permissible at this time to do so. This is just one of the numerous synergies that exist in a deal like this.

Legality:

https://www.gamblingcommission.gov.uk/licensees-and-businesses/guide/page/digital-and-virtual-currencies

Entain's recent venture into the this space:

https://coingeek.com/betting-giant-entain-acquires-fyx-gaming-strategic-partner-unikrn/

Current Position-

92 – Jan 21 2022 Calls $95

300 Shares

3 - Jan 2023 Calls $100

submitted by /u/54681685468 [link] [comments]

from wallstreetbets https://www.reddit.com/r/wallstreetbets/comments/qcvqdn/donkey_kong_king_of_apes_dd_uncovered_potential/ via IFTTT

#IFTTT #wallstreetbets

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lonetreelawnews · 3 years ago

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The exact same is true if you attempt to go it alone as well as don't enlist the aid of a 3rd party to keep your information secure. At any time you field a deal to acquire your business, understand who you're managing and exactly how severe they have to do with making the purchase. Not every business competitor will have dubious purposes, of training course, yet it is necessary to recognize who you're dealing with and whether the buyer's goals seem according to the offer they make.

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NDAs avoid customers and sellers from using sensitive details to threaten one another, and prohibited the transmission of details to various other celebrations for as long as the NDA is in location. Take into consideration enlisting the help of a lawyer to function as a mediator. Lawyers typically maintain delicate documents in their workplaces and just allow events to watch these materials on their premises.

As well as on the buyer's side, brokers can usually help possible buyers access the cash more info needed to buy a local business. Provided, this help does not constantly come economical: Brokers charge anywhere from 5% to 10% of the complete list price, which implies you'll need to be fine with providing up a slice of the pie in exchange for the additional help.

Sell My Business Myself

Considering that you're inching ever closer to the real sale by this factor, you'll wish to make certain you have an attorney in your edge to assist you draft and also assess your sales agreement. You could, naturally, draft your very own sales agreement, but this leaves you at risk to unpredicted concerns that might have otherwise been stayed clear of with the help of legal guidance.

You may intend to see to it that they're qualified as well as comfy with contract regulation, as not all legal representatives share the same specializeds. If your legal representative is not a pro at contract legislation, think about requesting a referral for a person who concentrates on this area - . Paying to bring one more attorney right into the layer will not harm fifty percent as high as paying for any unintended repercussions that come from putting a less-than-stellar contract into impact with a buyer.

Maintaining emotions at bay won't be simple in many cases, as well as it's alright to battle with the choice to sell. One of the most crucial thing is to keep feelings out of the sensible choices you have to make when you have actually dedicated to offering, and to see to it you're putting your benefits at the forefront.

There are books to work out, finances to track, and pressure to do so in a manner that obtains you the best feasible result for your initiatives. Simply as you were able to begin a business, so also can you sell it and stroll away with hard-earned money for your efforts.

#Tyler Tysdal #Lone Tree Man #Tysdal #Fund Manager #Securities Fraud #Podcasts #SEC #ponzi #Ty

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thebaileynina · 4 years ago

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Questions to ask during a virtual home tour.

Although buying a home can be exciting and overwhelming, we recommend that you make sure you are smart and knowledgeable throughout the whole process.

Buying a home quickly without first checking for defects can not only be tedious, but it can also be expensive. Before you fund your home, sign paperwork, and move in, make sure you know what you’re signing up for by asking these important questions on a virtual home tour or in-person visit.

Questions to ask when visiting a home in person:

A home visit is an exciting and scary event. While seeing your potential home for the first time can make you fall in love and want to rush the process of submitting an offer and signing a contract, taking your time and making sure the home is truly the right fit for you is essential.

It all starts with choosing the right real estate agent. You want to build trust with your agent and make sure he has your best interests in mind. That way, you’ll know they answer your questions honestly and accurately, and you can make the right decision when buying. We also recommend that you prepare yourself with a list of questions to make sure you go through every aspect of the home and see all it has to offer.

Questions to Ask Before Your Home Visit:

You don’t want to waste your time or your real estate agent’s time visiting a home that you think won’t work. These questions can help you determine if a home is suitable before you see it for yourself.

1. Do you have questions about the house or the price?

By asking the real estate agent if you have any questions about the home or the list price, you can ensure that you aren’t visiting a home that you aren’t really interested in or that won’t work.

2. How quickly do you think the house will sell?

You don’t want to visit your dream home just to find out the next day that an offer has been accepted. Asking your real estate agent when the house will be sold can help you determine if you need to speed things up or if you can take your time.

3. Can you tell me about the neighborhood and the benefits?

The neighborhood you move to will be your base of operations. If the neighborhood has flashy red flags, knowing them before the visit can help you rule out less than ideal situations. Likewise, knowing the benefits of your new job can help build enthusiasm around the house.

4. Why are the previous owners moving?

If the previous owners are moving due to a series of needed repairs, a traumatic event in the house, or an aversion to the surroundings, you probably want to know. Asking the real estate agent why the previous owners are moving can help you understand why the house is for sale in the first place.

5. Is the house located in a flooded area?

If your home is prone to flooding or other natural disasters, we recommend that you prepare yourself by purchasing additional home insurance. Asking your home’s natural disaster history can help you assess how a flood might affect your future.

6. What does the sale include?

It is very likely that equipment such as a refrigerator and a stove will be included in the contract, however, sometimes the seller may be available or interested in leaving additional items such as furniture, a washing machine or a dryer. . Asking what the sale includes can help you determine what to buy for yourself and what will come with the purchase of your home.

7. How long is the house on the market?

If a house has been on the market for a long time, the seller may be more motivated to close a deal. However, it can also mean a problem with the house that prevents the sale. Asking how long a home has been on the market can help you be ready for the best price while being aware of potential issues.

8. What is the median price of a house in this neighborhood?

Knowing how much a home in the neighborhood you’re looking for typically costs can help you determine whether the selling price of the home you’re looking for is too high or too low. The real estate agent will have access to the history of the market on the location of the house.

9. Have there been any major repairs?

If any part of the house has suffered significant damage, we recommend that you find out. Asking for major repairs to your home can help you keep an eye out for potential problems that such repairs might cause in the future as you walk around the space.

Questions to Ask When Visiting a Home:

Seeing a home for the first time is an exhilarating experience, but make sure you pay enough attention to the reality of the space. These questions can help you know what to look for.

1. Will the garden be easy to maintain?

Take a look at the courtyard as you walk through it. If it’s filled with gardens, flowers, and other shrubs, you need to make sure you’re ready to invest in some landscaping equipment or a landscaping service to keep it looking good.

2. Are the gutters working properly?

Ask if your real estate agent knows how old the gutters in the house are and if they are working properly. They protect your home from flooding and help protect the foundation and landscape. With such a demanding job, you’ll want to make sure your current home gutters are up to the task.

3. How old is the roof?

Replacing a roof on a house is a heavy and expensive repair. If the roof of the house is particularly old, it is only a matter of time before it needs to be repaired and will potentially cost you a lot of money. Knowing the age of the roof can help you prepare for potential repair costs down the road.

4. Has the foundation been repaired or does it need to be repaired?

The foundation is literally the backbone of the house, so you need to make sure yours are solid and supportive. Ask your real estate agent for the foundation’s repair history so you are aware of any major problems. During the tour, check for cracks in the foundation and see if there are any doors or windows that are difficult to open.

5.What are the heating and air conditioning systems?

There are a few types of HVAC systems that vary depending on the age of the home and the history of repairs. Finding out what kind of system your home has is a smart way to find out what you’ll need to do to get it to work and, if necessary, fix it.

6. How old are the electrical and plumbing systems?

Electrical and plumbing repairs can also be expensive. Knowing the age of these systems is a great way to estimate the amount of maintenance needed or when they will need to be completely replaced.

7. How old are kitchen and laundry appliances?

Equipment failures can be costly. Washing machines, dryers and refrigerators can generally last up to 15 years, and kitchens can generally last up to 18 years. During your visit, ask which devices will be included in the sale and how old they are, so you can assess how quickly they will need to be replaced.

8. How does the size of the room compare to the list and floor plan?

Sometimes online or printed floor plans can be a little off their size, and that huge master suite you loved isn’t that big after all. As you walk around the house, ask how the bedroom sizes compare to those listed online.

9. How does the house itself compare to advertising? Photos that appear in online listings often use the best photographic equipment with ideal lighting and angles. Make sure you compare the online listing to the actual item as you review it and get your real estate agent’s opinion on each room comparison. Pay attention: cracks on walls or ceilings, peeling paint, scratches on the floor, discoloration of cabinets or walls, wear of appliances, etc.

10. What is the best cafe, restaurant or shop near me? The nearest neighborhood services will give you an idea of what the neighborhood will look like as a whole. Ask about the best cafe or restaurant so you can stop on your way home after the tour and get a taste of your new life in your new neighborhood.

11. What’s under the carpets?

If you visit a home with carpet, be sure to ask what’s under the carpet and the condition of the floors. If not, you may have problems with the flooring and subfloor that you will want to know about.

12. Do the surfaces look old, worn or damaged?

Even if you’re looking around the house on your own, getting a second opinion on any surface that may look old or damaged can help you spot a red flag you may have missed.

13. Is there anything else I need to know or consider while we’re here?

Your real estate agent probably knows the house better than you do.

Questions to Ask After the Home Visit:

Deciding to bid on a home is an important step. Make sure you are fully engaged by asking a few final questions.

1. Can I get a copy of the real estate policy from the seller?

Sellers should write down any concerns or issues they have had with their home. Requesting a copy of this report can help you determine if your potential investment is good.

2. How many offers have been made and when should they be requested?

You don’t want the house of your dreams to blow you away. Asking how many deals are already on the table can help you determine how fast you need to move if you want to create your own.

3. Has the seller performed an inspection?

An official inspection can provide more detailed information about the quality of appliances, walls, floors and ceiling. Requesting this report is another valuable way to assess the condition of your home and find out if you are buying more than you can afford.

4. What is the history of home repairs and renovations?

If a house has been frequently repaired, we recommend that you take a look. Read up on repairs to see if the house has a recurring problem or to see past repairs that could become future problems once you move in.

5. What did you like about the house?

Real estate agents visit many homes. Asking for their perspective on the pros and cons of the home could help you choose some great amenities that you weren’t looking for on your own.

6. Are repairs necessary at this time?

You need to know if the seller leaves repairs. Asking if there is any work pending is a great way to understand what you will need to do before and during the move.

7. Is the price correct?

After viewing the house, your real estate agent can give you an idea if the price looks right to you. Ask them how the price of the house compares not only to others in the neighborhood, but also if it seems fair given the quality of the house.

8. Do you have questions about the house?

Ask your real estate agent to share your concerns with you, as someone who has seen many homes. The real estate agent’s opinions on potential issues can provide you with more information that you may not have noticed as a casual visitor.

9. Is the seller flexible with the selling price?

Before bidding, we recommend that you know the margin you have available. Asking if the seller is ready to sell can help you get the best deal for your home.

10. How many times has this property been sold in the past 10 years?

If a home has been on the market multiple times in the past decade, it may indicate major issues. Asking about a home’s market history can help you determine whether people have enjoyed it over the long term, or if there are any potential issues that have caused them to sell quickly. Questions to ask during the virtual visit of a house.

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chelseaonjta-blog · 6 years ago

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a list of all the weird/stupid things i have done so far on JTA (in case i forget)

i’m pretty tired right now because i just came back from italy and the bologna airport. i say those are two different things because one of them is something i truly, really love (italy) and the other one is a weird and grueling experience that is the reason for the creation of this list (bologna airport).

i wanted to list down all my memories on trips, like my itineraries etc first, but since i’m not that masipag yet and am prone to laziness and forgetfulness, when writing this came into my head, i was immediately more excited to write it and i decided to just go for it. so here it is, my weird list of Things I Wouldn’t Have Done If I Weren’t On JTA (alternatively, Things I Would Never Have HAD To Do if It Weren’t for JTA).

- sleep at an airport. this takes the cake, really (so far -- i still have morocco to go!). i guess it was also in the choice of airport i decided to sleep at, but let me tell you, Bologna Airport should not be high up on your “Airports to Sleep At” list. Really. I don’t consider myself very snooty or fresa, and I’ve braved through a lot of gross things. But this. I couldn’t take it. I guess it was through this that I realized I’m not that type of person who can just sleep anywhere. I need to be horizontal, man. It doesn’t even have to be a bed, just something I can lie on. We arrived at bologna at around 1:30, found a cab (ooh, that should go on the list too...more details later) and arrived at around 2am. I tried to sleep. I really did. I just couldn’t. I slept for, at most, an hour, between 2am and 6am. I was sitting, trying to position my backpack and my Italian plates (which were pasalubong and I still have no regrets about buying) while trying to get my upper body and lower body in a comfortable enough position. It just wasn’t possible. Maybe I’m just too long ? which sounds funny, but rly. neither my upper nor lower body could fit in one seat of the chairs, and if i curled myself up on the chair it was just ... difficult. so i ended up sleeping like i would on a bus, except it wasn’t a bus and i was bothered that i had to sleep this way at all. this may sound really angry, but to be honest, i’m not at all. really. i can’t really describe what i felt, it wasn’t really frustration, it was just...grueling. which isn’t really a feeling but...it is what it is. so there i couldn’t sleep, and then when the airport opened and we went past immigration, we found more comfortable seats (these ones actually had cushions on them -- oh yes, the ones we were trying to sleep on at first had no cushion, just metal. it was those chairs you find right in front of check-in counters) and i could sleep better, even if i was curled up and was using my backpack as a pillow (which i had put on the seat beside me...i think at this point i just said fuck it to stranger danger, pickpocketing, stealing, and thieves. i just wanted to close my eyes.) so i slept a little bit more, having 30 minute naps. and then we boarded, and i slept the whole flight. and i tried to go to class. but that’s another point, i think. for this one, it’s very simple: chelsea can’t sleep all night at airports. or chairs.

sidenote: bianca slept fine. i’m truly amazed

- walk around bologna at 1:30am figuring out the cab system. it was quite a stressful early morning, even before the whole airport situation. i didnt know how taxis worked in bologna, which shouldnt have been a problem because they should work like anywhere else in the world, except they didn’t. apparently you’re supposed to call one in advance, and its not common to just flag one down on the street. happy ending for this one though, because on my 2nd try we got one! God BLESS that man. idek how true the whole “u can’t flag one on the street” thing is, but if it is, TYG for this not-so-ugly/kinda cute (he wasn’t cute, but he wasn’t what you’d call pogi) taxi driver. and he had CARD

- oh yeah...which leads me to number 3: pay for a 10euro gelato. guys. it wasn’t even that good. bianca and i were going around florence, looking for cheap gelato. we went to 3 different stores, comparing prices. 4 euro for the smallest size was too expensive for us. so we got excited when we saw this place had gelato for 2.5. steaaal!! we got cups, but then it was only after that i realized that he didn’t get the 2.5 cup...he got the 10 euro cup. :---) and the cannoli, which the dude said was only 1 euro, turned out to be 7 euros. :---) maybe he didn’t say 1 euro, maybe he said 7 but we didn’t hear...either way, i ended up not having cash on hand anymore for the rest of the day. and that was around 11am. :---) and that is how i found out the hard way that most Florentine stores only accept cash. i CRY for my 13.5 euros. it would have saved me a lot of grief later on.

what type of grief? the grief i am currently in as i type this. ok, it isn’t grief. but let’s call it that for now. as i mentioned on my finsta-finsta IG, aka the mobile and easier access version of this blog, I didn’t want to sleep in the afternoon because it would mess up my sleeping sched, so i decided i would go to my spanish class at 3pm. too bad i ended up taking a nap and waking up AT 3PM. which was fine, i mean all spanish people are late and its not uncommon to have people come a little later than usual, even to classes. but i still had to buy a T-10. i had prepared for this -- i had both my card and 50 euros so i could buy a card. neither worked on the machine. i’m kinda worried about my card, it didn’t work on the airport machine either (bianca had to double use her T-10, bless her), but whatever. it worked on the bologna taxi...should be fine. anyway, by the time i tried all 3 machines and decided to give up, it was 3:15 and i felt that even if i did go to class, it would be waaaay too late, even for the spanish. so i called it a day. i broke my 50 by buying ben&jerry’s, bought a T-10 with the loose change (so i wouldn’t have to go through this shit again) and went back to the apartment. like i said on my ig, ben&jerry’s is my alcohol.

but i digress

- get fined. ok, this one’s on me. and bianca. we deserved it. we were so aware of how much we deserved it that we didn’t even get mad anymore. I mean, we really deserved it. so rewind to 2 days before the gelato and the airport, and we’re in rome. we’re on the bus, and we notice that absolutely no one is validating their bus tickets, and the bus is packed. the driver doesn’t even know who goes in or out. so we decide to just not punch in our cards. big mistake. really, BIIIIIIIIIG MISTAKE. out of all the buses, the police decide to climb on to ours (ok fine..it was crowded, we were otw to Vatican which meant a lot of tourists, etc. etc.). and of course we were caught with unvalidated tickets. so we had to pay a fine...54.9euros to be exact. TYG it could be paid by card or I would’ve cried, because the fee of paying it somewhere else other than the time of getting caught was around 100+ euros. well i already felt bad about losing 54.9 euros, but again, I deserved it. so take note, kids ! be good citizens, ALWAYS ! validate those cards!

- run like hell to catch a bus. i had the paris incident in mind, but i realize that that’s happened a lot to biancs and i. but the paris one is GOLD -- we wanted to watch the eiffel tower sparkle, and we calculated it would sparkle at 8pm. Our Flixbus (best company tbh) was schedule to leave at 8:42 pm. accdg to google maps, it would take us 40-42 minutes to get to the station. so we had to be quick. at 8:00 sharp, the lights sparkled, we gasped, took some pictures, then RAN. i can still visualize the scene. a live performer was playing “can’t help falling in love”, it was already dark (of course), and there were so many tourists milling around. there were also a lot of street sellers. through all of that, suddenly one of the 7 of us (i think it was me tbh), shouted “run run run!!!” and OFF WE WENT ya’ll. through that thick crowd, 7 girls just darting around like mice. we kinda separated a bit at the metro, cause some of the girls thought our entrance would be different, but me and some others stuck to the one we were already going down on. the other girls ran all the way to the other side. when we got down to the station, the girls were also getting down, just on the other side. basically, pointless to go around. trust me, if i wasn’t paranoid about missing the bus, i would’ve laughed. it was actually pretty funny, the whole thing. i remember running the length of the station (our bus stop was at the back) and feeling like i would die. i had never run so fast in my life (i think). we made it, just in time.

- which leads me to another moment i thought i would die: going through Amsterdam’s King’s Day crowd. that shit was wild. that’s as precise as I can be. it was WILDT. that was some stupid, crazy shit. we had just met up with parsley, gabe, shar, and christine. or to be more precise, we met up with the first three and the latter was just pissed to see us. (more on that ...soon lol) and ...ok to be honest, i don’t even remember where we were supposed to go. all i remember is, Gabe or Shar started the navigation, and it led us to the edge of this street concert party thing. when I say “street”, I mean the whole street was occupied with tall white people. the street was actually quite narrow, which made everything worse because the King’s Day people had erected a stage there, so there was a concert going on, and what seemed like a live broadcast of that concert. PLUS, on the other side of the stage, the street was lined with bars. and it was King’s Day. you can imagine the complete chaos. everyone was either drunk, high, or both. it was incredibly crowded. the street was packed, there were people from the bars who were coming out to join in, and there were people who were trying to move through the crowd. we were one of those people. i’ve been through incredibly ...sticky and crowded situations in my life. I’ve ridden the MRT at ultra mega rush hour, I’ve attended enough rock concerts. I thought I would be prepared for something like this. I wasn’t. the crowd was iba, I had never experienced anything like it. It was kind of like MRT at that rush hour, except everyone was MOVING, and you didn’t really want to stay there. at least in the MRT, when ur pushed against other people, no one really moves until the next stop. here, everyone seemed like they wanted to go somewhere else, or were moving to the music or whatever. there was just too much movement. at one point, i wasn’t even moving my legs. the crowd was swaying me along, and yes, I mean swaying. we were going from left to right, kind of suffocating-pushing our way through. oddly, i felt like the band was just repeating songs, and their reactions were being controlled or something. whatever -- all i know is, it was crazy fucking scary. i try not to curse anymore (haha, i know) but i can’t describe King’s Day without expletives. it was just too...WILD. I’m still thankful I even made it out alive. I really thought I would die at some point.

- ah, amsterdam, what else is there to do? oh yeah, get high. this seems pretty basic considering everything else on this list, but really. I don’t think I would’ve ever tried weed if I hadn’t gone on JTA. I didn’t really wanna do it, plus it was still illegal in the PH and I didn’t wanna get caught up in that. but hey, it was Amsterdam, it was totally legal. I actually wanna amend my earlier point and be more specific: get high on a boat. that was actually kind of fun. we were doing this canal tour thing, and we had eaten the edibles an hour before getting on. to the merit of biancs and i, i think we were still very good clients. it was the nighttime tour on the canal, so everyone else was either drunk, high, or romantically involved. trust me, biancs and i were the most behaved ones there. we would pretend to listen, nod and laugh when we felt it appropriate, and converse with the hosts. it was a good experience. even better? the food and wine on the boat. there’s no better way to say this, but we demolished that buffet. 3 plates filled high with sausages, crackers, and cheese and we only left some for the others (the others didn’t seem to mind though, because like i said, they were knee-deep in the other 3 reasons above). there were free-flowing drinks too, and biancs and i shared with 3 other girls, and i think we had 5 bottles all in all. so like...one bottle each. it was a good time. i felt myself getting slower once i was hit, but wow. i thoroughly enjoyed that. the host even gave me a lei at the end of the tour! maybe he appreciated our participation. or maybe he just knew we were high.

i was high when we were going through the King’s Day crowd too, but that was less...enjoyable. i think that once we were in the crowd, i kinda snapped out of it and focused on not dying. yeah, that was kind of a waste. but hey, generally i had a good time.

- get drunk on 1 euro carton wine. this was actually super fun. its one of those things that become tradition immediately after you start it. it started when bianca bought carton red wine. i think we got pretty drunk off of it, and i vaguely remember going back to the supermarket (yes, the supermarket was still open, which meant...it was pretty early) to buy another one, which we also finished. then all hell broke loose. we started getting noisy, we called pars and gabe, we went to the kitchen and stole strawberries from one of our then-flatmates, Maria (who was honestly really nice), and I accidentally turned on the lights in Marion’s room while she was there. she actually came out and told me that i had turned it on, and all i kept saying was “sorry, sorry”. this was all before the flatmate drama, i think. (lol that’s another story too, i guess). oh and this all happened while we were on the phone with sina gabe. bianca went inside the “coat room” of the apartment and stole someone’s hat (at the time we thought it was manon’s, but it could actually be javier’s??? still don’t know until now, tbh). then we went back into our room and...decided that we wanted to sleep in the empty room beside us. so we tried first to enter it through the adjacent balcony, didn’t work. so we got the keys box and started trying out different keys until we found the one that fit and we just....slept there. didn’t do anything nasty, didn’t trash the place. just...fell asleep. i don’t know if i should be thankful or confused that drunk chelsea and bianca’s idea of a wild night is sleeping in an empty bedroom right beside ours. not even a hotel or another flat, but literally the one that pretty much looks like ours. yeaaah, i don’t know either. that was pretty fun though, biancs and i got to bond and i guess it solidified our reverence for the carton wine. it tastes like shit, but it does its job.

- have trashy tinto-vodka nights with raya. this is steadily becoming Chelsea’s JTA Greatest Hits list, but whatever. i’m enjoying this trip down memory lane. to be fair, i only had 2 trashy wine nights with Raya, when she was still in her old condo and my parents hadn’t come/bianca and I didn’t have a trip on the weekend, but it was one of the best nights. it was honestly really fun, just getting to know and bonding with Raya. I hadn’t known her so well pre-JTA, and when we were thinking of getting a room together (me, bianca, and Raya), I wasn’t so sure how that would play out. but after bonding with her, I realized that Raya and I vibed pretty well. we were into the same stupid shit and laughed at the same nonsense things. so sleeping over at her place and getting drunk was honestly really fun. it wasn’t even wild or anything, it was just...~ hearty fun ~. we’d try to invite bianca sometimes, but she’d always say no LOL mainly cause raya’s place is quite far from us and she didn’t want to sleep over (but biancs is totally fine sleeping at an airport?? i don’t understand, but hey, you do you.) and raya and i would also cook sinigang! ok fine, we cooked it on one day only, but after having it for lunch then getting tipsy, we decided we wanted more so we made another batch at around midnight. we both agreed it tasted a lot better. gooooooood times.

- having to walk Amsterdam alone at night. sorry i jumped back into amsterdam, i just totally forgot about this. this was actually a big deal for me, even though in summary it wasn’t so special. i had had to wake up at around 3am that day so i could walk and catch the bus that would bring me to the Flixbus station. i was worried because amsterdam had had shit weather the day before and i was contemplating taking an uber, but in the end i decided to walk. it was only a 20-minute walk, which in daytime wouldn’t have bothered me. but since it was nighttime and the airbnb wasn’t in city center, i was kind of afraid. i’m matatakutin pa naman. i imagine shadows becoming figures and am generally uneasy in the dark. but at the time i thought, u gotta do what u gotta do, right? so i trudged on. and honestly, it wasn’t bad at all. i saw no one on my walk, and i realize in hindsight that if i had walked in the morning, i would have enjoyed it a lot. i got to see the river and some pretty cute, homey houses. there were parts where it was eerily dark and quiet, but overall i didn’t feel pressured too much. i don’t know why this is a big deal for me, and i feel like it’s silently a landmark experience for me. i guess because it was something i had no choice but to do alone (bianca had left earlier, gabe and pars were asleep and staying another day in amsterdam), and i had to face my fears. alone. epitome of JTA, I guess. well, it ended fine though, and overall I think I grew from the experience. I guess I realized there that I have some of my own inner strength that I can rely on, and that what scares me sometimes is...nothing, really. that I make things up in my head and I’m too praning, but really, there’s nothing to be afraid of.

- get in trouble with an airbnb. technically this wasn’t me, because it was under parsley’s name, but we all felt this. amsterdam really was something else...

anyway, parsley booked the place, but she only put it down for 2 guests, when we were...six. everything was going well until the owner apparently saw parsley and the lille girls going out all together, and the owner messaged pars about it saying that she (pars) has to pay a fine of 25E/night. the owner only saw 4 people though, so i guess that was a silver lining? so that added to the general stress of amsterdam, post-Heineken Experience. christine made pars tell this lie about the other 2 people only staying a night, but the owner then said that she saw four bags in the airbnb. which was weird, considering our airbnb was separated from the main house and was locked, so that meant that the owner went inside to check herself. invasion of privacy right there...the owner even made up this story about a socket burning out in our airbnb, which is why she had to go and check. though when we went back, everything was ok...well, we were also in the wrong anyway. we told the owner that the other bags did belong to 2 people, but that they would soon leave because they had early flights, which technically wasn’t a lie. so it ended up that we had to strategically get in and out of the airbnb. it would all be fine by sunday, because bianca was leaving sat night and pars, gabe, and i were leaving early sunday morning. we just had to time our ins and outs so that if ever there was someone checking on us from the main house window, s/he’d only count two people. it was pretty intense, the tension in that place. not just cause of the owner, but also cause of some people in the airbnb. but that story, maybe for another time.

- getting drunk on port wine. oh, PORTO. I love that place, really. it still has my heart, 6 countries and 9 cities later. it was a great first trip (that i should probably recount soon, before memory fails me and i forget the tiny things about it that i loved). one of the reasons why it was so good was because of port wine. and all i can say is...beshie. sarap shet. really, nothing quite like it. i still remember that one of them tasted like maple syrup, no joke. the others tasted....i don’t know how to describe it anymore, but one was incredibly fruity and one was oaky without tasting outright like a barrel. it was amazing. it was delicious, the best wine i’ve ever had. it was also 20% alcohol content. and we had 3 glasses. we got pretty hit after that, and what made it kinda go away was our mad rush towards a building tour that wasn’t that good anyway. but nonetheless, it was extremely good wine. I still can’t forget it, and at the nearest opportunity I jump at the chance to go back. Porto definitely isn’t one of those cities that a lot of people think of instantly when you say “Europe trip”, but I say it should be. One of the cheapest, beautiful, and most relaxing trips ever. I never would have considered it myself, were it not for its close proximity to Spain.

- see how the french dance. this is more of an afterthought, and honestly not as hard hitting as the other things on the list, but wow. the french dance weird. i will forever laugh at that video of gabe and pars copying them because it’s so spot on. it’s really some sort of robotic, zombie move thing that’s equally fascinating and equally scary. I definitely would not have known about it if I hadn’t been on JTA, going to clubs with my friends.

- tried to make coffee without water. yep, this goes on the list of stupid for sure. so javier has this coffee maker that i’ve never even seen before, and when he explained how to use it, he didn’t mention anything about putting water in the bottom. so when i tried to do it on my own, i did exactly as he told me. of course, without water, the thing just started burning. i think i was too late to realize it, because i had already begun to smell the burning. when i took it off the stove and laid it on the towel, the towel just straight up burned. as in the coffee maker scorched a hole through the damn towel. i felt pretty stupid in that moment, and honestly really scared for my life that Javier would be angry and would rethink this whole “letting us stay for an extra 3 months” thing (yeah, I realize now that I’m actually a pretty paranoid person). thankfully, he just laughed it off and cleaned it for me, and was even nice enough to make a new batch of coffee for me. God bless the man. the next batch of coffee still tasted burnt though, so i had to thoroughly clean the coffeemaker afterward. phew, that was a close one though. I thought I had really fucked things up at that point.

- lost money without explanation? this is a question mark because i don’t really know how this happened. it started when i was short by 200 euros after my parents left, even though i didn’t use any of my own money when my parents were here and they had given me more cash. i let that go and just offset it. then the next time i counted, i was missing 50 euros naman? like HUH ? I can get pretty magastos, but when I’m cheap I’m cheap af. I knew I hadn’t spent that money anywhere, yet here it was being missing. I don’t know either, maybe there was something off from my counting from the beginning? either way, I’m still sad I can’t find it anymore :///

- thought i lost 20 euros to the laundry machine demon. i straight up didn’t go to that laundry shop for like 3-4 months because i thought the machine had swallowed my 20 euros when all it needed was 3 euros. later on, i found out that there was actually a lot of balance left on that card, because the 20 euros wasn’t swallowed up, it was charged to the card! TYG!!!! i was really happy the day i found out. also kinda sad cause i spent a looot of months hand washing or just not washing because i didn’t want to go to the shop.

- sleeping in hostels. ok, i know i said i wasn’t fresa, but i never really would’ve considered hostels and been so positive about them if it weren’t for JTA. I’m honestly really loving the hostel vibe. the people are friendly, its communal, its pretty clean, and you get cheap accommodation. i guess this isn’t really a weird or stupid thing to do on JTA, but I just find it...cool how much my perspective has changed on traveling. (maybe that should be my next post?) and again, i don’t think i would have done this if not for JTA. so thanks, JTA, for letting me experience that :)

I think that’s it...for now. We still have morocco next week, and amidst the polarizing opinions about it (”it’s one of my greatest trips, u should go!” vs “be more careful, there are more sketchy people there”), I’m kinda excited. I hope I get to relax a little more, because I think that’ll be our last out of Spain trip. I can’t believe we thought of going to Germany pa after Morocco. I would’ve died of tiredness. anyway, that’s all I can remember for now. soon, I’ll try to add pictures and finally start recapping our trips. I think it will do me a lot of good in the future if I at least record my JTA experiences.

ciao!

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samuelfields · 6 years ago

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In Real Estate, Watch Out For The Illusion Of Added Value

I’ve been diligently tracking the high-end Honolulu property market since 2014. During this time, I’ve seen prices for dozens of properties decline between 10% – 25%. The properties that are only down about 5% still haven’t sold years later.

As of 1Q2019, luxury home inventory is up 11.6% YoY and the average price/sqft is down an aggressive 19.7% YoY according to Elite Pacific Properties.

The domestic economy is not strong enough to support high-end prices. They never have and probably never will given wages in Hawaii are 20% – 60% lower than wages on the mainland for similar jobs.

It’s really the lack of international buyers that have softened the high-end property market. Buyers from China have disappeared while Japanese buyers have been steady, but uninspiring for years.

I see an opportunity for my family to geoarbitrage to Honolulu given the real estate market softness, especially considering the San Francisco real estate market has been so strong during the same period.

My only fear is that if I get into the Honolulu property market, I won’t ever be able to get out if I change my mind.

The Tricky Real Estate Industry

I always believe that in real estate, money is made on the purchase, not on the sale. You can always refinance your mortgage but you can never change your purchase price.

Every buyer needs to be a master negotiator when it comes to buying such an expensive asset. The person who is willing to walk away usually has the upper hand.

Given we’re so deep into this real estate bull cycle in many parts of the country, caution is more important than ever before. Many of the most expensive real estate markets in the country have already rolled over.

On the flip side, selling a property is much more stressful and requires some guile. The real estate agent’s goal is to convince buyers to pay top dollar, even if they feel another Lehman Brothers collapse is just around the corner.

I’ve written two must-read posts for property buyers:

1) 10 Warning Signs To Look Out For Before Buying Property

2) How To Convince Someone To Buy Your Property When They Really Shouldn’t.

I’d like to focus on the second post and the efforts of some real estate agents to create the illusion of added value.

The Illusion Of Added Value

Creating real value in real estate is easy. You can either remodel or expand the home. Expanding a home is the best bang for your buck given you can usually build for less than the selling price per square foot.

If you haven’t created any real value since purchase, then you can attempt to hoodwink prospective buyers by making your real estate agent create the illusion of value.

Here’s a great example.

On 12/27/2016, 4534 Aukai Street was sold for $4,850,000 after being on the market since 10/23/2014 for the delusional asking price of $5,495,000. Check out the price history below.

Can you imagine taking two years to sell a property? That’s par for the course in high-end Honolulu real estate world.

I toured the house in 2016 just before the sale and found it to be a wonderful house. I thought somewhere in the mid-$4 million range was reasonable and imagined what life would be like living there.

But given we didn’t have any children back then, living in a 6,066 square foot house with just the two of us seemed stupid. Further, there was the little problem of not having $4-5 million bucks!

So it was a pleasant surprise when I saw the house listed for sale on 12/11/2018. It’s rarely ever profitable to sell a house within five years of its purchase, let alone two years after purchase. As a result, I sensed an opportunity to buy the home for less than the previous sold price of $4.85 million!

But the agent decided to list the house for $5,900,000, or 21.6% higher than what it sold for in 2016! Absurd! This is despite the high-end real estate market seeing at least a 5% price decline since 2016.

So I asked my real estate agent to have the listing agent explain the reasoning for the high price. Surely, there must have been an incredible amount of work done since 2016 to warrant such a huge increase.

Here was the listing agent’s verbatim written feedback:

The reasons for the great price:

Point 1) 4534 Aukai is a brand new looking designer home built in 2015.

Point 2) Estimated land value $1.82mil

Point 3) Developer Tom does NOT build a house for less than $650/SqFt currently. 650/SqFt x 6,066(Living SqFt)=$3.94mil

Point 4) Upgrades/Inclusion: Island Shutters, UV films, Tastefully furnished with designer furniture.

Point 5) Pool, Spa, Landscape estimated cost based on the developer’s agent at 4628 Kahala Ave: $300,000 Landscape architect designed this master landscape with mature trees and specifically selected plants survives in Kahala.

Point 6) Estimated cost for the hardscape, wall, gas line for tiki torch at 4628 Kahala Ave: $100,000. (In comparison, 4534 Aukai only has a coral wall.)

Point 7) Estimated cost for two auto sliding door/screen: $60,000 x2 = $120,000

Point 8) All-in total is $6.28 million, and no one develops for free.

Point 9) Developer took eight years to build this masterpiece.

Point 10) Barclay Butera is the interior designer and his name brand furniture is inclusion.

Point 11) The property tax assessed value of 4534 Aukai is higher than the recently sold 4528 Kahala at $6,900,000.

Point 12) Aukai avenue is a first-class desired street by families, corporations, CEOs, and government dignitaries.

Point 13) Comparable analysis: 4510 Aukai was sold to New Zealand government dignitary at $5.5mil in 2014. The average price for a 5 bedroom single family home in Kahala area in 2018, $6,006,100, is 1.65 times higher than one in 2014, $3,641,667. This home’s $/SqFt, $972 is least amount among 3 homes built (4411 Aukai Ave $1,049.58/SqFt, 4534 Aukai Ave $972.63/SqFt, 4620 Kahala Ave $1,154.07/SqFt) after 2015.

Point 14) Well desired property in well-desired neighborhood by Hawaii Five-O.

Point 15) Strong interests from buyers who missed the opportunity to buy in 2016.

Point 16) Hollywood celebrity couple stayed booked for $6400/night x6nights=$38,400 and spent new year eve and new year day at this home.

If you read carefully, except for the comparables analysis, most of the points are just FLUFF! There is no point that highlights an expansion, which is the only reason to justify the 21.6% price hike.

Further, most of the points the listing agent highlighted were the same points the listing agent highlighted to me back in 2016. And this is after we told the listing agent that I had already visited the property in 2016.

If the real estate agent is trying to pull a fast one on me, then surely she’s trying to create the same illusion of value to every other prospective buyer out there as well.

How To See Through The Illusion When Buying Real Estate

It’s up to your real estate agent to read between the lines and protect you from overpaying. A good real estate agent would look into the history of the property and give you an analysis of what went on in the property since the last sale and what has happened to the real estate market as well.

Any buyer-represented real estate agent who is showing this property and highlighting it as good value is doing a great disservice to their clients.

I’m lucky that I was able to see the property before it last sold. Many real estate agents and most buyers will not have the same luxury. Selling agents know this, which is why they do their best to create the illusion of increased value since purchase.

I get that it’s the selling agent’s responsibility to get top dollar for his or her client. But not admitting zero work has been done since the last sale and then highlighting all this fluff is borderline DISHONEST.

We are talking huge money here. Such borderline dishonesty is ultimately going to hurt the real estate agent’s reputation and affect negatively the seller’s final selling price. There’s no doubt in my mind this house will not sell for anywhere near its $5,900,000 asking price.

Instead, it will languish for years until the seller wises up and lowers the asking price. Once a property is stalefish, nobody cares anymore. Fair market value for the house is somewhere closer to $4,500,000 or $1.4 million less than asking.

In conclusion, I encourage all buyers to do the following:

1) Analyze the historical selling price. Properties that exchanged hands within short periods of time are red flags. It’s the same thing with a resume that shows a new job every 1-2 years. You must compare the historical selling price to your neighborhood’s price trend to see if the asking price is reasonable.

2) Ask for a list of remodeling and expansion work done. If you don’t get an itemized list with estimated costs, you know the property’s price performance should be in-line with the neighborhood or city’s price performance since is last sale.

3) Smile, nod, ignore. Marketing is a very powerful tool. Read the beautiful brochure, listen to the selling points of the agent, then immediately throw them out the window. You must remove emotion from the buying process as best as you can. The selling agent and the seller don’t care if you over pay. Their goal is to get as much money as possible.

4) Run the numbers. You must eliminate the illusion and run the numbers. Ask yourself the following questions: Will the property cash flow after putting 20% down? What is the opportunity cost of buying the property? Which direction is the economy heading? What has been the inventory trend, and what might it be going forward? How will the latest tax laws affect my carrying cost?

The illusion of value is everywhere among us: social media, commercials, branding, and more. It’s up to you as a Financial Samurai to see reality instead.

Related: Don’t Let Your Ego Buy You A Bigger House Than You Need

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martin9395 · 5 years ago

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Choosing The Very Best Dried Flowers

Know what to try to find when buying dried flowers wholesale. Acquiring dry flowers wholesale from reliable sources is a difficult task however can be basic if you recognize what you're doing. Valentine Flower Delivery Singapore

When the cold autumn season starts as well as wintertime is not also away, flowers and also plants both live and dried start to transform their color as well as fragrance. Now in time the costs of freshly grown flowers begin escalating to extremely high rates. It is the most opportune time to benefit from these popular items at wholesale costs.

As you prepare to discover a great wholesale dealership, you are likewise making a possibility to develop remarkable arrangements with flowers that are not normally discovered in the very same period. For example, such dried flowers as hydrangeas, child's breath, and also roses are some of the top favorite purchases from florists as well as hobbyists. However, remember that virtually any flower can be efficiently dried as well as used in your setup in place of fresh real-time flowers.

Several different strategies are utilized by suppliers and also wholesalers Singapore to produce high quality products. Therefore, when you are shopping them, it is highly recommended that you do your research and also thoroughly review various other consumers' suggestions and also evaluations to make sure that you will have the ability to acquire the most out of your purchase from a wholesale supplier. The perfect circumstance is for you to purchase some examples first prior to making a decision to get wholesale to prevent any kind of concerns with the high quality.

Some good key points to bear in mind when looking are:

1) Online wholesale vendors, with their very own internet sites, might be slightly higher in prices but they most definitely use a much bigger array of dried flowers than your regional florists or craft stores.

2) Flowers that are dried may last a much longer time period yet you need to understand that they do not last forever. Constantly bear in mind to acquire a new supply of dried flowers to replace your current dried setups at least when annually.

3) Choose Dried Flowers Wholesale Singapore that have precisely preserved their initial shade or at least as close as you can. Attempt to stay clear of any kind of kind of dried flowers that disclose brownish or yellow colors.

4) Select ones that have fully opened up flowers and make certain they are safely connected. An additional to check for in this scenario is that the buds are firm and round.

5) Upon touching the plant, the petals need to maintain a little of flexibleness and also they shouldn't break into small items or hand over when the stem is being managed. Concentrate specifically on dried flowers with numerous tiny flowers on the same stem.

6) Top quality flowers must include straight stems and also safely affixed flowers that do not drink a lot when being grabbed. Do not buy dried out flowers that appear to be facing downwards as they are meant to encounter up or in an outward direction.

7) Again, if you are thinking about buying from an on-line dealer for the very first time ensure you ask for some examples. An optimal circumstance would certainly be to buy from sellers that actually expand, cultivate and also dry their very own flowers.

8) Bypass dry flowers which create a stuffy or moldy scent. Dried flowers with brown areas on the flowers or leaves should most definitely increase some red flags. As sound judgment, do not buy dried out flowers that look bent or saggy in shape, matter or form.

9) Be additional careful when buying dehydrated flowers which have actually been aromatic or coloured as these kinds of flowers often tend not to last very long as naturally dried ones do.

The long life of high quality dried flowers is their advantage over the fresh flowers. As a result, how a wholesale vendor dries out, prepares or maintains their flowers establishes their long lastingness. As you are pondering where to acquire these items wholesale Singapore, make certain you pick a facility which has verified its solutions in the completely dry flowers wholesale service.

When winter months strikes and also drop takes its normal see, flowers both live and also dried offer shade as well as aroma. However when the price of fresh flowers are soaring sky high you can appreciate dried out ones. When you get dried out flowers, you get the possibility to produce a bouquet with blossoms that commonly aren't in the exact same period. Roses, child's breath and hydrangeas are the favored buys, however actually, any flower can be efficiently dried as well as made use of in the stead of fresh.

There are a variety of techniques by which distributors create dried flowers. Hence, when you buy them, it is recommended that you adhere to consumers' suggestions so that you will certainly be able to obtain one of the most out of your purchasing experience.

So, below are a few notes you need to bear in mind when you buy:

- Online wholesale vendors may be a little costly but they supply a larger range of flowers than local craft shops.

- Dry flowers last longer-but they do not last permanently. Remember to purchase new ones to replace your dried out setups at least yearly.

- Pick flowers which have actually preserved their shade. Avoid from flowers with brownish or yellow tints.

- Go with flowers with fully opened flowers which are strongly connected. Make certain that the buds are firm as well as round.

- When touched, the flowers must have some "provide"- they must not ruin or fall off when the stem is taken care of. Emphasis especially on product with multiple small flowers on the very same stem.

- Dried out flowers must have straight stems and also well-attached flowers that do not tremble when gotten. Do not buy dried out flowers that face down-- they need to encounter up or outwards.

- If you're acquiring online, ask for samples. It's also a great idea to purchase from ventures that expand as well as dry their own flowers.

- Miss dry flowers which scent mildewy or moldy. Flowers with brownish areas on the petals or fallen leaves are a no-no! Don't buy dried flowers that look wilted or droopy.

- Take care when you acquire dehydrated flowers which have been aromatic or colored. They don't last as long as naturally dried ones do.

The durability of dried out flowers is their edge over the fresh equivalents. Hence, just how the flowers were dried out, prepared or maintained establishes for how long they will certainly last.

Graduation Day is an essential day of a student's life, whether it's Kindergarten, High school or University. This is why the student's loved ones must make this particular day perfect, starting with selecting the best graduation flowers.

Graduation parties are usually restricted to member of the family, so you may not go to the real event as well as deal graduation flowers. So think about sending a fresh graduation bouquet or graduation arrangement by means of your neighborhood Cheap Florist, early in the early morning. The grad will definitely be impressed as well as his/her day will be a lot more pleasant. Conversely, you can have the flowers sent out directly at the event. You'll definitely make a perception, specifically if you're sending out a substantial graduation plan or bouquet.

If you do attend the ceremony, keep in mind that a lot of images will certainly be taken, so don't just choose any kind of graduation blossom that comes in helpful. Make certain the flowers contrast the dress, to make sure that they undoubtedly stick out. If you're not that excellent with matching colors, Online Flowers Overview has some fantastic ideas for matching flower colors.

Choose abundant, bright graduation bouquets, not solitary blossom stems, unless you provide exotic flowers such as anthurium, strelitzia or Cymbidium Orchids or Stargazer Lilies. These go quite possibly solitary, however they still must be nicely covered, tied with silk bows and improved with plant, for an outstanding graduation bouquet. Generally, nearly any type of flowers are suitable, yet you may want some professional suggestions when picking graduation flowers.

Are you in the graduation party committee? Then you're most likely in charge of the flowers for the event. This means whatever from graduation plans, focal points, buttoniers as well as bouquets, so you may wish to do a little research study to see which flowers and also colors fit best this event. Some suggestions on graduation flower meaning and color matching will give you enough to intend an extraordinary graduation celebration.

Remember that there isn't someone in this love who doesn't appreciate flowers. So do not be reluctant to supply graduation flowers to any kind of dear one that crosses this landmark.

It is easy sufficient to embellish your residences and also private rooms with flowers organized by you. No one would certainly complain if the setup is uneven or a full calamity. It is your home as well as your blossom arrangement anyway. However when it pertains to special occasions (where there would be plenty of guests) like weddings, birthdays, bar mitzvahs, and also the sort, an expert floral designer is needed for beautiful results and also to accommodate the large quantity of the flower arrangements asked for. It is necessary to discover the ideal floral designer for your event. Here are some pointers for selecting the most effective florist in your area that can provide the finest results.

Recommended by Buddies

Ask good friends, family members, associates about their favored as well as advised florists. They might also have their personal ideas for selecting the most effective flower designer that they might show to you. Consider their albums for pictures of flower setups done by their favored flower shops. Get their responses after that Evaluate the adverse and favorable when making your decision. Do not be afraid to take into consideration a flower designer that does not have a shop as there are talented as well as innovative ones who do not have one. Most wedding flower shops are "shop-less" as they just do wedding celebrations anyway.

Speak to the Flower shop

A great floral designer should have a link with you, the customer. The moment you strolled in the shop the floral designer need to have asked concerns concerning your requirements. You can ask to take a look at the flower designer's portfolio of previous work and question the floral designer regarding ideas in respect to your demands and preference as well as naturally, spending plan. You can ask concerns like what flowers are in period during your occasion or the patterns in flower setup. Tell the floral designer your concepts and requirements and also request for a quote. If the quote is means above your budget plan array, ask the flower shop just how to make the most of your allocated budget. Engage with the team and also determine their degree of courtesy and also service. If at this point the florist has not made an impression on you, after that it is time to seek one more one.

There are a lot more suggestions for picking the most effective flower designer yet the very best one is to select the florist that might execute and also supply your needs at the best rate.

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valoansdallastx · 5 years ago

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Remains of unclaimed WWI veterans laid to rest in Roseburg

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Study veteran frank remeikis sat unclaimed

Triple amputee veteran justified military

Formal military burials

Courthouse

Veterans’ affairs committee june 27

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Moolenaar to host veterans Congressman John Moolenaar visited Cadillac Tuesday and updated us on current legislation directly affecting Michiganders. The congressman spoke about the house’s Great Lakes Restoration initiative, as well as work on the opioid crisis, veterans issues, and the budget. Smethport chamber honors several.

SANTA ROSA, Calif. (AP) The unclaimed remains of 35 military veterans, including some from World War I, and two military wives have been given formal military burials in Northern California. The.

Unclaimed veterans laid to rest in South Carolina.. the four World War I veterans’ remains will be transported in a horse-drawn carriage to the Roseburg National Cemetery. Read More. 345th Public Affairs Detachment.

ROSEBURG (AP) – The unclaimed cremated remains of 28 veterans have been removed from a mortuary in Roseburg, Oregon to be stored at the douglas county courthouse until May, when they will be. State could fund VFW position that helps file veteran VA claims Ivy Tech Community College grads told to celebrate, support others Students and parents.

Poll: VA the least-liked federal agency — FCW Poll: VA the least-liked federal agency. Americans like the Post Office, NASA and the Secret Service, but aren’t thrilled by the Department of Veterans Affairs, the Environmental Protection Agency.

Some veterans are missing in action while others are missing from inaction — their cremated remains languishing unclaimed in urns, on shelves, in closets of funeral homes across the country. The.

Remains of unclaimed WWI veterans laid to rest in Roseburg Preview: Bombshells & Brews aids women veterans VA Sec. Wilkie: A breakthrough in health care for veterans is coming in June Vet behind build the wall’ GoFundMe hits back at fund claims

VA Sec. Wilkie: A breakthrough in health care for veterans is coming in June Senate confirms Robert Wilkie for Veterans Affairs secretary Robert Wilkie testifies during a confirmation hearing before the senate veterans’ affairs committee june 27, 2018 on Capitol Hill in.

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ncmagroup · 5 years ago

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Written by Jennifer McFarlane

Great salespeople do more than just consistently drive profitable revenue for their employers. They inspire confidence in customers and partners, increase brand trust, and contribute positively to company culture. And these salespeople are rare, representing only 10-15% of the sales population, so when a company has great salespeople, it’s in its best interest to get them to stay.

However, a study by Compensation Resources, Inc. (CRI) found that the voluntary turnover rate for salespeople is 15.9 percent, whereas the average rate for other types of employees is 14.3 percent. This study underscores a reality that all executives need to beware of: when salespeople aren’t happy in their organization, they are more willing than other employees to leave.

A high churn rate for a sales team is expensive, and it can negatively affect a sales team’s culture. Great salespeople leave their employers for a reason, and any company that suffers from a high churn rate in the sales department needs to take a deep look at why their talent is departing in order to improve retention rates.

In this article, we examine the most important reasons why top sales talent decides to leave their current employer and how corporate leaders can mitigate the risks of losing their top performers.

Here are the top 25 reasons great salespeople are leaving your company:

1. Low compensation

In our experience, one of the biggest factors influencing a sales rep’s decision to leave an employer is the feeling that they should be receiving higher compensation for their results. If a salesperson doesn’t see opportunities for increased bonuses, promotions, or raises after being successful year-after-year, then they are likely to move on to a company that can offer a better compensation plan with more room for growth.

“When I look back on the various strategies I used to grow our sales force from zero to several hundred people, I realize that one of the biggest lessons I’ve learned involves the power of a compensation plan to motivate salespeople not only to sell more but to act in ways that support a start-up’s evolving business model and overall strategy,” said Mark Roberge, the fourth employee at HubSpot who built the sales team from the ground up, in an article for the Harvard Business Review.

2. Lack of confidence in offerings

Salespeople who lack confidence in a business’ offerings are unlikely to stay with the company. Anaplan, an enterprise software company and SiriusDecisions surveyed 400 sales executives to learn why they would leave a company and found that confidence in the offering portfolio was the top reason that sales executives decided to leave for a new opportunity.

3. Changing compensation plans

Compensation plans vary from company to company, though the standard is to provide reps a plan comprised of a 50% base salary and a 50% commission. However, when executives decide to change compensation plans, it must be done extremely strategically and in consultation, with the rep(s) these changes affect. Failing to involve the affected reps and communicate why the changes are happening sends a confusing message to the sales team and can undermine the trust built between reps and their managers.

“Sudden changes in compensation is one of the biggest red flags a top salesperson can get that their company does not appreciate their contributions or thinks they are making too much money regardless of the beneficial new revenue they are bringing in,” wrote Denise M. Barry, a seasoned sales executive, in an article on LinkedIn Pulse. “This can take the form of a sudden lower salary / higher commission arrangement or even a surprise doubling of quota.”

4. Reducing the commission rate when reps start close large deals

Salespeople should be rewarded for making more sales, not punished if they’re doing their jobs well. If salespeople are able to close large deals and consistently achieve quota, then they should not see a reduced commission rate because of their success. It may make sense for a sales leader to raise a salesperson’s quota and agree on new sales goals, but reducing the commission rate will frustrate salespeople, and encourage them to explore more financially-rewarding opportunities with other employers.

5. Too much time spent on non-sales activities

It’s estimated that, on average, 32% of a salesperson’s time is spent searching for missing data and entering it into CRMs. This leaves reps to spend only 41% of their time selling, while the remaining 59% of their time is spent on other non-sales activities, such as internal meetings and other administrative tasks.

Great salespeople want to sell, and they are likely to leave if they spend most of their time engaged in non-sales activities that limit their sales productivity.

6. Unrealistic quota assignments

Although it would seem that salespeople might leave because of their overall earning potential, they are actually more likely to leave because of unrealistic quota assignments, according to research by Anaplan and SiriusDecisions.

If salespeople find their quota assignment unreasonable, expect them to become frustrated and start exploring opportunities elsewhere.

7. Changes in organizational structure without explanation

One of the top five reasons employees resists change is because they ‘fear the unknown’. When organizations overhaul their corporate structure without communicating to the sales force why the change is happening and how it is going to affect their ability to perform, feelings of mistrust and uneasiness can arise among the sales team and cause members to explore new opportunities.

According to Rosabeth Moss Kanter, Professor of Business Administration at Harvard Business School, “The best tool for leaders of change is to understand the predictable, universal sources of resistance in each situation and then strategize around them.”

Executive coach and organizational development expert Lisa Quast recommends that prior to making a major organizational change, managers to carefully think through 1) what the specific changes include, 2) who the changes will impact, 3) how it will impact them, and 4) how they might react (understanding reasons why people might resist the changes). Knowing this information makes it easier to create a plan of action for a smooth implementation of the changes.

8. Better opportunities elsewhere

Sometimes salespeople leave for reasons that are somewhat beyond an organization’s control. They leave because there are better opportunities elsewhere.

What makes these opportunities more appealing to salespeople who are progressing well in their career? It depends on the salesperson. Some want more autonomy, while others want to substantially increase their compensation plan. Some salespeople may have much more confidence in another organization’s leadership team or be interested in joining a high growth company with a disruptive offering. And sometimes, salespeople may leave for practical reasons, such as a reduction in their daily commute, or less time spent traveling.

9. Lack of administrative support

If your sales team is spending all of their time in spreadsheets and booking their own flights, then they’re spending less time selling. If they’re not receiving adequate administrative support, and not able to focus their energy on the activities that generate them money, sales leaders should expect their best reps to move on to another company that can offer them the necessary support to excel in their job.

10. Concern about company stability

Great salespeople want to work for a stable organization. Red flags are raised when there are substantial layoffs, issues with investors and key stakeholders, or constant changes in leadership. Salespeople want to be at a company that’s not only stable but also has a clearly defined future. When a company can’t offer that, it should expect its top sellers to move on.

11. Lack of confidence in the leadership

When a CEO, VP of Sales, or other leaders at the top of the organization do not inspire confidence that they will lead the company to achieve its growth targets, then salespeople will be more receptive to hear offers from competing employers.

When salespeople see mismanagement and an un-unified vision from their leadership team, they begin to worry about the stability and future of the company and look for opportunities elsewhere.

“Top salespeople will always struggle with the sales manager who demands performance verbally but fails to act in a way that is consistent with those demands. When managers fail to train or fail to weed out marginal performers, strong players tend to lose trust in leadership.” – Sales Strategist, Leadership Coach, Author, & Speaker, Kelly Riggs

12. Little recognition of performance

Salespeople care about recognition more than any other type of employee, and it’s not just in the form of compensation. These salespeople work day in and day out to help the company succeed, and they want to be recognized and appreciated by peers, managers, and company leaders.

TinyPulse conducted a study on employee retention and found that employees who didn’t get a lot of recognition and appreciation from their managers were 11% less likely to remain at the company. If your sales team doesn’t get recognized, great salespeople will look for an opportunity where leadership is more likely to express how much they are valued.

13. Lack of promotion opportunities

Great salespeople want more than just a job– they want a career that will provide them with the opportunities to land larger accounts, take over larger territories, and have the opportunity to manage when the time is right. These kinds of opportunities are essential for employee retention and are key considerations top salespeople make when evaluating prospective employers.

14. Little coaching and instruction from sales managers

The best salespeople are always looking for ways to better themselves. Sales managers must take the time to provide reps concrete feedback and coaching on the selling activities and behaviors that lead to better results. If managers don’t provide feedback and coaching, they should expect their best and most promising sellers to start looking at other companies that have better sales leaders.

15. Delays and late payments

Salespeople are motivated by commissions, and if they don’t see their hard work reflected in their bank accounts when they expect it, it will be difficult for them to connect their work to the reward.

“When salespeople succeed, they should see it reflected in their paychecks immediately. When they fail, they should feel the pain in their paychecks immediately,” said Mark Roberge, who built the sales team at HubSpot. “Any delay between good (or bad) behavior and the related financial outcome will decrease the impact of the plan.”

16. Keeping poor performers on board

Poor performers consistently miss their sales targets, aren’t interested in improving their selling abilities, and rely on excuses to mask their underperformance. When sales managers avoid dealing with or firing, poor performing sales reps, sales culture suffers and the morale of the sales force is eroded. Top sales talent is interested in being part of a sales team that is committed to achieving their sales goals – not one where they are burdened with trying to compensate for their underperforming team members.

17. Inadequate long-term incentives

It’s one thing to give quarterly incentives, but are you providing your sales team with adequate long-term incentives that will make them want to stay around?

Often, salespeople stay with an employer because of the opportunity for yearly bonuses, or the prospect of higher future commissions, or general promotion opportunities. Great salespeople want rewards for the here and now, but they need to know that there will be more incentives in the future. When an executive team cannot clearly define how their the top members of their sales team will have the opportunity to significantly advance their career, they should expect those top performers to start listening to offers from competing employers.

18. Burnout and overwork

Burnout gets to all employees, and salespeople are perhaps more susceptible to burnout than others. With pressure to meet quotas and long hours at the office and on the road, salespeople can easily get overworked.

Long hours may seem as though they are par for the course, but employees who are tired, burned out, and overworked are 31% more likely to think about looking for a new job than their colleagues who feel comfortable with their workload.

19. Professional development opportunities

Professional development opportunities are some of the most powerful ways employers can retain their top talent. Providing salespeople access to executive coaches, conferences, and educational courses can make them feel that they’ve found a home at their current company, making them unlikely to move on.

According to TinyPulse’s study, employees with opportunities for professional development were “more than 10% more likely to stay with their current employer.” Many companies offer in-house professional development opportunities along with a budget for educational initiatives.

20. Dysfunctional company culture

According to one study, 75% of people who voluntarily leave their jobs are doing so because of poor culture or poor management. Dysfunctional company culture is one where leadership is constantly changing, negativity defines the office environment, and managers play favorites and promote their friends instead of those who can do the jobs well.

Specifically, in sales, an anti-sales culture, or one where corporate leaders have poor views of salespeople, lack empathy, or have an inconsistent managerial approach, can significantly impact the desire for a top performer to remain with their employer. Great salespeople will only stick around if they’re apart of a high performing team, and in order to produce high results, it is essential to maintain a pro-sales culture.

21. Poor inter-departmental relationships

Relationships of all kinds have a serious impact on retention, and that is especially true for salespeople, who thrive on social relationships. A salesperson’s relationship with managers, coworkers, those they manage, other corporate leaders, and everyone else in the organization can affect whether they choose to stay at the company or leave for another opportunity.

22. Hiring and promoting the wrong people

Salespeople are happy when friends and colleagues get promoted, but not when it’s unclear why. When a top salesperson sees a peer that hasn’t had superior sales results get promoted, they’re going to question why and lose respect for their managers and organization as a whole.

23. Too much complexity in the sales process

According to Bain, sales processes in large companies have become more complex and less efficient, resulting in added pressure on profit margins. The study indicates that when B2B companies increase the complexity of their sales models, they typically experience a 40-60% turnover of salespeople.

24. Lack of independence and autonomy

Micromanagement can be defined as a management style which exhibits “a high degree of control with constant attention to small and insignificant details.” TinyPulse’s study found a strong connection between employee job satisfaction and “freedom to make decisions about how to do their jobs.” Employees “whose hands are regularly tied” were found to be 28% more likely to think about leaving their current employer for another.

25. Lack of helpful tools to do the job

Modern salespeople rely on powerful tools like Salesforce to get their jobs done effectively.

If the organization isn’t willing to invest in the tools required to help them sell than salespeople won’t feel valued, and they’ll look to find a better opportunity elsewhere.

Salespeople, like any other employee, want to feel valued and appreciated, and having an adequate tool kit at their disposal will show them that their work is important.

Go to our website: www.ncmalliance.com

The Top 25 Reasons Why Great Salespeople Are Leaving Your Company Written by Jennifer McFarlane Great salespeople do more than just consistently drive profitable revenue for their employers.

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braydengormlyca · 6 years ago

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7 Dos And Don’ts During The Mortgage Process

If you’re ready to purchase a home then one of the first considerations you might have to deal with is a mortgage, often known as a home loan. You’ll find many mortgage bankers and mortgage brokers in Chicago that are willing to offer their services.

But before you decide to take the plunge and speak to one of these companies, it’s vital that you learn more about the process so that you get a better understanding of how the mortgage process works. You’ll learn what’s involved on closing day and if there are any potential pitfalls that you could avoid.

Preparation is the most important component of a successful home purchase. There are numerous options available such as detailed articles on the mortgage process, online mortgage applications, and mortgage calculators that will help you through the entire process.

It’s good to understand the options you have available and which ones are best suited for your personal circumstances. So without further ado, let’s take a look at the dos and don’ts of the mortgage process.

Do’s & Don’ts During The Mortgage Process

1. Pre-Qualification and Pre-Approval

Do perform an initial mortgage pre-qualification to get a rough estimate of how much you can afford. This is often done through an online mortgage application and you’ll need to provide documents that support your application.

This process is to ensure that once you find a home that you like, you can make a stronger application with a higher chance of success because your lender has already approved that you are able to afford a home in a certain price range. This will also help you figure out what type of home you can afford so that you know the correct price range to aim for.

Don’t start looking around for a home until you are pre-approved. The pre-approval process is vital for helping you set a budget, so the last thing you want is to look for a home that you think you can afford, but in reality, it’s completely out of your budget.

This is a mistake that many people make when looking to purchase a new home. On the bright side, it could reveal that you actually have a larger budget than you initially assumed.

2. Financial Decision Management

Do prepare a savings plan to mitigate financial issues. Nobody likes unexpected costs so it’s important to have a savings plan in place so that you can pay for your deposit, your mortgage repayments and also larger purchases that you have planned for.

Keeping a budget and financial record of your expenses can help you create a savings plan that will ensure you have enough money to satisfy your lenders.

Don’t make large unplanned purchases that could drastically change your savings plan. It’s not every day that we decide to shell out a huge sum of money for something, but you should do your best to avoid making big purchases and accumulating more debts and applying for more loans.

Affecting your credit rating could have negative consequences for your mortgage application so make sure you avoid any large purchases especially if they’re on credit and not with the money in your bank account.

If you absolutely have to make a large purchase for something important, then make sure it’s a planned expense that is detailed in your savings plan so you know how to work around it.

3. Credit Score Rating

Do think smart about your current credit rating and continue to improve your credit rating when possible. The last thing you want to do is ruin your credit rating with more loans or by ignoring inaccuracies within your credit report. Make sure you request a copy of your credit report and focus on resolving any issues that may be outstanding or incorrect to ensure that lenders see an up-to-date and corrected version of your current credit rating.

Don’t do anything that could compromise your current credit rating score. This involves taking out new lines of credit, making large purchases before submitting your online mortgage application or making late payments for utilities, rent, and other purchases.

This could potentially lower your credit rating score and it will cause your mortgage broker to think twice about accepting an agreement with you.

4. Questions

Do remember that you can ask questions to your mortgage banker or mortgage broker. Questions are appreciated by mortgage lenders because it shows that you’re willing to go the extra mile in understanding how the mortgage process works.

If you’re working with a mortgage banker or mortgage broker in Chicago, then it’s important to ask as many questions as you need to feel comfortable during the loan process. It may seem like a difficult task but what’s important to your mortgage representative is that you feel confident and knowledgeable in your decisions all the way till closing day.

Don’t overwhelm yourself by trying to understand everything on your own. There are plenty of resources available on the internet that will teach you about the mortgage process, but it’s always better to speak to someone in the industry such as your mortgage advisor.

It can feel overwhelming trying to understand all of the complex technical terms involved and it will only make things more difficult in the long run.

5. Financial Stability

Do ensure that you have a stable job and sources of income before purchasing your home. Stability is one of the key factors in the loan process because if you can’t show that you have a stable income, you’re less likely going to have your new loan approved.

It may take longer to process your online mortgage application and you may even be rejected if your income isn’t stable enough.

Don’t try to make drastic changes to your lifestyle or employment status. This means quitting your job or changing your career path shortly before purchasing a home. This raises red flags and can cause some major setbacks and slowdowns during the whole mortgage process.

However, the exception to this rule would be if you have a positive employment change, such as being promoted to a higher position or starting up a new business or stream of income. In this situation, your mortgage application won’t be affected negatively.

6. Changes in Income or Lifestyle

Do keep documentation regarding any income or lifestyle changes. This extra step will ensure that you can prove any changes in your life such as marital status and changes in your household size or income.

In most cases, this should include payments, statements, money deposits and also other documentation that your lender might request from you. These documents are important on the closing day because it will allow your lender to finalize their offer.

Don’t make large changes to your income, lifestyle or bank without having a record of it. Mortgage lenders don’t like it when they are sudden and difficult-to-explain changes made to your accounts or lifestyle.

For instance, if you suddenly deposit a large sum of money then your mortgage broker may find that it’s a strange or questionable sum of money. As long as you have a paper trail that explains the lump sum (such as a paycheck) then it will help in the long run.

Don’t be surprised if your mortgage broker asks for additional records that they didn’t mention previously. You should be prepared enough that you always have documents available to prove any changes that you’ve made in your life or related to your financial situation.

7. Take Help from Experts

Do hire assistance and work with professionals when purchasing a home. This is to ensure that you get all of the legal help required and it ensures that you don’t miss anything in the documents provided to you during the mortgage process and on closing day.

There are plenty of mortgage bankers and mortgage brokers in Chicago that you can hire for assistance and there are plenty of online resources to assist you in the process of purchasing your first home.

Don’t try and do everything yourself. There are plenty of people that make the mistake of trying to save money by refusing to hire any kind of professionals to assist them, but this can end up being a poor choice because they might miss crucial documents, they might take too long responding to certain requests by the seller and it could be more costly in the long run.

Conclusion

Hopefully, this article has shown you some useful information on how you can better prepare for the mortgage process. The takeaways from this are that you should always have records for anything related to your finances including career changes, pay raises and changes in your household.

You should also not be afraid to contact people for assistance because the mortgage process can be rather difficult to understand without a trained professional helping you. We’ve also included a downloadable flyer that will explain 10 things that you should avoid doing before closing your mortgage loan. It’s a convenient flyer that will serve as a checklist of things to avoid before the closing day so that you don’t run into any unexpected roadblocks.

For more impartial advice on the mortgage process, then don’t hesitate to check out our own mortgage resources page for more information.

A and N Mortgage Services Inc, a mortgage broker in Chicago, IL provides you with high-quality home loan programs, including FHA home loans, tailored to fit your unique situation with some of the most competitive rates in the nation. Whether you are a first-time homebuyer, relocating to a new job, or buying an investment property, our expert team will help you use your new mortgage as a smart financial tool.

The post 7 Dos And Don’ts During The Mortgage Process appeared first on .

from Loan News https://www.anmtg.com/blog-new/tips-and-tricks/7-dos-and-donts-during-the-mortgage-process/

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agneswoodbury · 6 years ago

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7 Dos And Don’ts During The Mortgage Process

Do’s & Don’ts During The Mortgage Process

1. Pre-Qualification and Pre-Approval

This is a mistake that many people make when looking to purchase a new home. On the bright side, it could reveal that you actually have a larger budget than you initially assumed.

2. Financial Decision Management

Keeping a budget and financial record of your expenses can help you create a savings plan that will ensure you have enough money to satisfy your lenders.

If you absolutely have to make a large purchase for something important, then make sure it’s a planned expense that is detailed in your savings plan so you know how to work around it.

3. Credit Score Rating

This could potentially lower your credit rating score and it will cause your mortgage broker to think twice about accepting an agreement with you.

4. Questions

It can feel overwhelming trying to understand all of the complex technical terms involved and it will only make things more difficult in the long run.

5. Financial Stability

It may take longer to process your online mortgage application and you may even be rejected if your income isn’t stable enough.

6. Changes in Income or Lifestyle

7. Take Help from Experts

Conclusion

For more impartial advice on the mortgage process, then don’t hesitate to check out our own mortgage resources page for more information.

The post 7 Dos And Don’ts During The Mortgage Process appeared first on .

from Loan News https://www.anmtg.com/blog-new/tips-and-tricks/7-dos-and-donts-during-the-mortgage-process/

0 notes

chrisvarneyus · 6 years ago

Text

7 Dos And Don’ts During The Mortgage Process

Do’s & Don’ts During The Mortgage Process

1. Pre-Qualification and Pre-Approval

This is a mistake that many people make when looking to purchase a new home. On the bright side, it could reveal that you actually have a larger budget than you initially assumed.

2. Financial Decision Management

Keeping a budget and financial record of your expenses can help you create a savings plan that will ensure you have enough money to satisfy your lenders.

If you absolutely have to make a large purchase for something important, then make sure it’s a planned expense that is detailed in your savings plan so you know how to work around it.

3. Credit Score Rating

This could potentially lower your credit rating score and it will cause your mortgage broker to think twice about accepting an agreement with you.

4. Questions

It can feel overwhelming trying to understand all of the complex technical terms involved and it will only make things more difficult in the long run.

5. Financial Stability

It may take longer to process your online mortgage application and you may even be rejected if your income isn’t stable enough.

6. Changes in Income or Lifestyle

7. Take Help from Experts

Conclusion

For more impartial advice on the mortgage process, then don’t hesitate to check out our own mortgage resources page for more information.

The post 7 Dos And Don’ts During The Mortgage Process appeared first on .

from Loan News https://www.anmtg.com/blog-new/tips-and-tricks/7-dos-and-donts-during-the-mortgage-process/

0 notes

hopestaylor · 6 years ago

Text

7 Dos And Don’ts During The Mortgage Process

Do’s & Don’ts During The Mortgage Process

1. Pre-Qualification and Pre-Approval

This is a mistake that many people make when looking to purchase a new home. On the bright side, it could reveal that you actually have a larger budget than you initially assumed.

2. Financial Decision Management

Keeping a budget and financial record of your expenses can help you create a savings plan that will ensure you have enough money to satisfy your lenders.

If you absolutely have to make a large purchase for something important, then make sure it’s a planned expense that is detailed in your savings plan so you know how to work around it.

3. Credit Score Rating

This could potentially lower your credit rating score and it will cause your mortgage broker to think twice about accepting an agreement with you.

4. Questions

It can feel overwhelming trying to understand all of the complex technical terms involved and it will only make things more difficult in the long run.

5. Financial Stability

It may take longer to process your online mortgage application and you may even be rejected if your income isn’t stable enough.

6. Changes in Income or Lifestyle

7. Take Help from Experts

Conclusion

For more impartial advice on the mortgage process, then don’t hesitate to check out our own mortgage resources page for more information.

The post 7 Dos And Don’ts During The Mortgage Process appeared first on .

from Loan News https://www.anmtg.com/blog-new/tips-and-tricks/7-dos-and-donts-during-the-mortgage-process/

0 notes

mikemortgage · 6 years ago

Text

Economists up their game as Bank of Canada stops foreshadowing interest-rate decisions

Bay Streeters are a little edgy this summer.

There’s the yield curve, which shows short-term yields are about the same as longer-term ones, a relationship that tends to signal a recession. There’s Donald Trump. There’s a diplomatic spat between Canada and Saudi Arabia, which reportedly prompted the kingdom to sell off its maple-flavoured assets this week.

And there are memories of what they were doing last summer — or more accurately, not doing, as angry bosses and clients would eventually tell them.

Stephen Poloz and his lieutenants on the Bank of Canada’s policy committee raised interest rates on July 12 and then went mostly quiet for the rest of the summer. Impressive economic indicators continued to roll in, including a report by Statistics Canada that showed gross domestic product grew at an annual rate of 4.5 per cent in that second quarter.

That was much faster than anyone had predicted, including the central bank. But few adjusted their outlooks for interest rates. Yet when policymakers gathered early last September, they surprised almost everyone by raising borrowing costs at consecutive announcements.

Bay Street’s shock was best expressed by Douglas Porter, chief economist at BMO Capital Markets, who called the lack of foreshadowing by the Bank of Canada an “epic fail.”

The central bank’s spokesman, Jeremy Harrison, took the unusual step of responding to Porter directly. Harrison said in a statement that market prices had put the odds of an increase at about 50-50; in other words, Porter, don’t blame us for your mistake. “Evidently, a much higher percentage of trading desks were correctly interpreting the bank’s prior messaging that monetary policy would be forward-looking and data dependent,” Harrison said.

The episode appears to have had an impact. There’s been a noteworthy shift in the quality of research over the past year. The closest watchers of the Bank of Canada have mostly stopped waiting for policymakers to tell them what they intend to do. They are increasingly making bolder forecasts based on their own assessments of the data.

Ahead of last month’s interest-rate decision, Stéfane Marion, chief economist at National Bank Financial, broke from the pack and called on the Bank of Canada to leave borrowing costs unchanged. And last week, Jean-François Perrault, chief economist at Bank of Nova Scotia, stuck out his neck by predicting the central bank will lift interest rates next month, repeating last year’s back-to-back increases.

It was a brave call because almost everyone else thinks Poloz and his advisers will wait until at least October.

This is what Poloz hoped would happen when he stopped giving guidance early in his tenure. Divergent points of view helps the central bank because a real debate on Bay Street could flag points that authorities might have missed. It also could make the financial system safer by encouraging more hedging. Perrault is in the minority, but the former finance official is a smart guy. He might also know his way around Ottawa better than many of his peers. The September interest-rate announcement no longer is a one-way bet.

“Markets appear to be significantly underpricing the odds of additional monetary policy tightening in Canada through the middle of next year,” Perrault told his clients in an update of Scotia’s economic forecasts published Aug. 2. “We think Governor Poloz will be compelled to raise rates in September even if market pricing hasn’t adjusted by then.”

Like last summer, the data are beating expectations. GDP appears to be running ahead of forecasts, aided by record merchandise exports in June and a decent amount of business investment.

StatCan added another positive on Aug. 10 when it reported that the jobless rate dropped to 5.8 per cent in July, a level that many economists equate with full employment. Adjusted for American statistical methods, some 62 per cent of the Canada’s working-age population had a job in July, compared with 60.5 per cent in the United States.

The latest labour figures weren’t impressive enough to shift the consensus that the Bank of Canada will wait until the autumn to raise interest rates, but you can tell some are thinking about it. The Institute of Fiscal Studies and Democracy’s real-time forecast of quarterly GDP growth was predicting 3.2 per cent for the second quarter after incorporating the 54,000 jobs that StatCan said were created last month. The Bank of Canada’s current estimate: 2.8 per cent.

“A good set of numbers that will keep the market guessing between September and October,” said Avery Shenfeld, chief economist at CIBC World Markets, adding that he is sticking with his October prediction.

Almost as important as the debate over policy are the economists who are conducting it.

There always was dissent. You could count on short sellers to try to poke holes in the market consensus, or maybe an economist at a boutique investing house who had an image or an ideology to uphold.

But economists at the big banks and institutional investors tended to form packs, and there’s a reason for that. They have more at stake, as they serve more clients and they play a role in supporting their institution’s brand. Therefore it’s safer to stick with the consensus view.

So it was impressive to see Scotia break out on its own. At the other end of the spectrum, Aubrey Basdeo, head of fixed income at BlackRock Canada, who almost as boldly is ignoring recent data and sticking with his prediction that the Bank of Canada will wait until early 2019 to raise interest rates.

Basdeo said the latest export numbers are likely being affected by companies stockpiling ahead of tariffs. He doubts U.S. demand will maintain its second-quarter momentum, and he said it remains unclear how higher interest rates will affect consumption.

“We’ve got issues,” he said in an interview on Aug. 9. “Why tempt fate when time is on your side?”

Unlike last year, some of the Bank of Canada’s leaders will be speaking before their September interest-rate decision: Carolyn Wilkins, the senior deputy governor, is at an event in Frankfurt on Aug. 20 and Poloz is scheduled to speak at the annual gathering of leading central bankers and economist in Jackson Hole, Wyo., on Aug. 25. And StatCan’s report on second-quarter GDP will be released at the end of the month. Those will likely be the moments on the calendar when forecasts for September change or harden.

To be sure, the trade wars could supply other variables. Poloz has said repeatedly that he won’t be swayed by headlines, only hard evidence of economic harm. Scotia’s prediction is based partly on its assumption that trade tensions will fade as Trump and his advisers are confronted with the damage their duties are causing.

But that short-term damage could be enough to persuade the Bank of Canada to leave a cushion in place. The anecdotal evidence of harm could add up quickly. Magna International Inc. this cut its outlook for sales and profit this year, blaming steel duties and Trump’s trade war with China. Earlier, Glenn Chamandy, chief executive of Montreal-based Gildan Activewear Inc., told analysts that a plan to expand production is on hold until Canada, Mexico and the U.S. resolve their differences over the North American Free Trade Agreement.

It also is worth noting that the positive surprises this year are less impressive than in 2017. So the safe bet is that the Bank of Canada will leave the benchmark rate unchanged on Sept. 5.

Still, it’s encouraging that safe is no longer the only path that Bay Street sees fit to offer.

• Email: [email protected] | Twitter: carmichaelkevin

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We understand you’re active as well as might miss out on all the amazing points we’re discussing on Xbox Wire each week. We could help correct that if you’ve obtained a few mins. We’ve curtailed the past week’s information right into one easy-to-digest write-up for all things Xbox! Make sure to find back every Friday to figure out exactly what’s occurring This Week on Xbox!

First-Ever Xbox Gaming Tournament Hosted at 2018 Special Olympic USA Games The Xbox Gaming Tournament at the 2018 Special Olympics USA Games was an initial worldwide of competitive video pc gaming. Xbox and Special Olympics partnered to facilitate the pilot video gaming event at a Special Olympics event, including Forza Motorsport 7 on July 2nd at the USA Games in Seattle, Washington. Gamers throughout the country came together throughout the month of April to compete in prelims for a place in the final event as well as a possibility to win a custom-wrapped Xbox One X reward. The Xbox Gaming Tournament originated from a hackathon in last year’s Microsoft One Week, where employees spend a whole week to go work on passion tasks. Stephen Smith, Karen Woessner Smith,…… Read more Tune-in for Gears Pro Circuit and Halo Championship Series Action In just a couple of hours, the Gears Pro Circuit and also Halo Championship Series will unite in New Orleans for a synchronised, crossover esports occasion, where the very best Gears as well as Halo gamers will certainly each contend for $250,000 reward pools. Including hundreds of gamers, 2 primary phases, numerous function terminals and also 2 open braces, the competition is sure to be called for checking out for fans of both franchise business and also esports! The competition kicks off this mid-day at 2 p.m. CDT/12 p.m. PDT, streaming live on live.gearsofwar.com, Mixer.com/ Halo, Twitch.tv/ Halo, Twitter and Facebook. Gears players adjusting into the activity will certainly have the chance to make free in-game weapon skins throughout the weekend, simply by…… Read even more

Rocket League Now Available on Xbox Game Pass Introductions, Xbox fans! It’s my enjoyment to reveal Rocket League is joining Xbox Game Pass today! For those of you that haven’t seen Rocket League at work yet, picture incorporating football with driving then add some rocket boosters. You pick from a range of adjustable cars and also then compete in the highest possible tiers of ranked play online, or just goof about with your close friends — — however you wish to play. As well as when we say personalized lorries, we mean it! There is an incredible quantity of methods you can tailor your vehicle utilizing a selection of toppers, flags, decals, boosts, as well as extra! For the players available who are already a component of our passionate as well as dedicated area,…… Read more Bring Your ABXY Game with the Xbox Wireless Controller– Sport White Special Edition Maintain your Xbox controller collection fresh with the brand-new Xbox Wireless Controller– Sport White Special Edition , readily available for$ 69.99 at your neighborhood Microsoft Store and taking part sellers in the United States and Canada starting July 31; delivery globally starting August 7. Whether you’re capturing up on your pc gaming with a new subscription to Xbox Game Pass or streaming an extreme round of Fortnite on Mixer, this controller will certainly score you added design points. Inspired by trends in sporting activities as well as athletics way of life, the Xbox Wireless Controller– Sport White Special Edition is the first controller in the new Sport collection. It showcases an energetic color palette with a fresh white … Read even more 10 Tips for Earthfall, Available Now on Xbox One Our group at Holospark has actually been working non-stop on Earthfall, a four-player participating shooter that challenges players to endure hordes of ruthless unusual drones and also their inscrutable masters, and also we’re excited that it is now offered on Xbox One! Success in Earthfall is not a very easy task – – so here are 10 pointers on just how you and also your buddies can survive this near-future aggressive requisition of Earth. Distort up and prepare yourself to eliminate all aliens! Upgrade your Barricade Doors One of the very first things that you will certainly discover as you travel via the unusual infested Pacific Northwest is that there are deployable Barricade Doors, which could be positioned either aligned with walls as well as doorways, or out…… Read more Battle Royale Sequel The Culling 2 is Now Available on Xbox One Greetings, participants! The following degree of fight royale is here and also The Culling 2 is poised to kick the globe’s best style up two notches on Xbox One. When The Culling originally presented Xbox One gamers to fight royale, it matched 16 entrants versus each various other on a remote forest island in strong hand-to-machete combat. Currently, the follow up is bringing the murderous game show out of the jungle as well as right into the suburban areas. The group here at Xaviant learned a whole lot from our very first outing with The Culling and this brand-new game has actually been developed from the ground up with Xbox One in mind. That means smoother performance, carefully-tuned controls, and a collection of new features. Followers of the … Read more Tips and also Tricks for Breaking into the Challenging World of 20XX Hi there! 20XX, out today, is an action-platformer roguelite that plays like the 2D sidescrolling platformers of the past, however with random degree generation so it’s always fresh, as well as co-op so you can play it with a good friend! If you’re reading this, you’ve either leapt into 20XX and also gotten whomped a couple of times, or you’re actually delighted to. 20XX is a really knowledge-based video game; the much more you find out about the video game’s ecological community, the better ready you’ll be for each Job you embark on. While 20XX is a challenging video game, its vast array of difficulty alternatives make it available to any type of player searching for an action platforming obstacle. Below are a couple of nuggets to assist you obtain going. Usage Boss…… Read even more From Tower Defense

to Roguevania: The Creation of Dead Cells, Available August 7 on Xbox One Dead Cells is a 2D Roguevania action-platformer established on a cursed, alchemic Island. It blends aspects from the metroidvania category like unlocking abilities which open up brand-new degrees, prizes and also courses to the permadeath and also randomness of roguelites, lots of weapons, all the while using lots of difficulty. Nonetheless, that’s only the Dead Cells we understand today! Over its life, it’s advanced through a number of different types, gameplay designs as well as economic designs. Throughout this procedure we’ve managed to keep a something from each era. Dead Cells was initial fantasized up as a free-to-play follow up to one of Motion Twin’s web-based games, Die2Nite released in 2008. It was expected to be … Read more Fortnite Season 5– Worlds Collide– Now Live on Xbox One Heya individuals, If you have not attempted Fortnite Battle Royale, there’s no far better time compared to now to decrease in and also experience the brand-new Season! Fortnite Battle Royale is the entirely free 100-player PvP mode in Fortnite. One huge map. A battle bus. Fortnite structure abilities as well as destructible settings incorporated with extreme PvP fight. The last one standing victories. Download and install currently free of cost and also delve into the activity. Globe’s Collide! Period 5 presents all type of adjustments to the map: a viking ship, a desert outpost, as well as old statuaries have all appeared on the island, transforming the globe of Fortnite as we recognize it. Fortnite’s very first four-person car has gotten here! The All…… Read more Xbox One Storytellers: Asobo Studio Talks A Plague Tale: Innocence It’s tough to match the narrative extent and immersive experience that an engaging story-driven video game has more than various other narration mediums, enabling players not just to fall into the world of a well-crafted tale but to experience it firsthand. These types of games can empower somebody with a new point of view or let us live a double-life as a superhero. Narrative-driven video games enable us to become a person we’re not, which is possibly the largest factor we enjoy these experiences. Currently, with the power of Xbox One X, designers can bring us even more detailed to their vision. With our Xbox One Storytellers collection, we’ll take a seat with a few of the sector’s best creators to chat about the toughness of … Read more Darksiders III Will Unleash the Power of Fury’s Flails and whips, Pre-order Now on Xbox One The Darksiders franchise has actually constantly been an one-of-a-kind take on action journeys. The core columns are battle, traversal, and also challenges and also we try to offer these aspects up to gamers in a new means with each installment in the franchise business. We such as to believe that the fight has risen with each sequel, from an emphasis on very powerful attacks with War’s chaoseater to a slaughter-fest with Death’s collection of scythes. Currently, a more tactical technique is fueled by Fury’s collection of powers. Darksiders III introduces Fury, the third of the Four Horsemen, a character archetype of a mage so all her weapons and capabilities are powered by magic. The trick to this magic is in the hilt she holds on her hip…… Read even more Venture right into Azure Mines, Now Available for Roblox on Xbox One Get hold of a pickaxe, light your lantern,as well as prepare yourself to begin constructing your personal mining realm right from the comfort of your couch. Azure Mines, the hit tycoon/mining video game hybrid from Bloxy Award-winning area developer berezaa, is now available for Roblox on Xbox One! In Azure Mines, you’re in fee of bring back an abandoned mining facility back to its previous glory. How you do it is up to you, however you’ll need to collect lots of uncommon ores from the mines before you could begin rebuilding your base! Therein exists the video game’s secret sauce. Azure Mines has tons of progression systems as well as a satisfying gameplay loop that rewards players for their time spent underground. You can level up, … Read even more< img course ="alignnone size-full wp-image-96973"src= "https://news.xbox.com/en-us/wp-content/uploads/BomberCrew_XboxOne_1920x1080-hero.jpg"alt=" Bomber Crew Hero Image "width="940" height=”528″/ > Bomber Crew Now Available on Xbox One as well as Xbox Game Pass Hey There, Xbox Wire readers! I’m George Morgan, Product Manager for Curve Digital, and also I’m below to tell you all about the Xbox One release of Bomber Crew, which removes and also strikes high elevations today! Bombing plane Crew is a method simulation game where you manage every facet of a World War II bomber, varying from tagging opponent boxers, managing your o2 supply, guaranteeing your weapons have ammunition, as well as normally noting your target to accomplish your goal. After selecting your staff, painting your bomber in your own selected colors and also placing some wonderful art on the nose, you’ll be requiring to the harmful skies in risky explorations where danger could originate from anywhere. Flak guns,…… Read more Inside Xbox Episode

5 News Recap Earlier today Inside Xbox Episode 5 broadcast, proceeding to draw back the drape on Team Xbox to celebrate our fans, games, as well as features. This episode teemed with closer takes a look at some big upcoming games, consisting of No Man’s Sky, We Happy Few, as well as Earthfall, in addition to the news of a big enhancement to Xbox Game Pass. Without further trouble, allow’s take a better look at some of the most significant news coming out of this month’s episode of Inside Xbox. Rocket League as well as Warhammer: Vermintide 2 are Coming to Xbox Game Pass The Xbox Game Pass directory remains to grow this week, many thanks to the addition of a number of remarkable titles. First off, the much-loved Rocket League, which blends … Read even more See the rest of the story on Xbox Wire Associated: Next Week on Xbox: New Games for July 17– 20 The Locations of Vermintide 2, Available Now on Xbox One and Xbox Game Pass Digital Extremes Reveals the Future of Warframe at TennoCon 2018

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