#cash for cars oahu

[indianadmin]

https://www.scribd.com/document/668252923/The-Best-Way-to-Sell-Your-Cars

[autozillahawaii]

Cash For Cars: Transforming the Way People Sell Their Vehicles

The Cash For Cars industry has revolutionized the traditional vehicle selling process, offering a streamlined alternative to private sales and dealer trade-ins. This rapidly growing sector provides immediate payment for vehicles of all conditions, creating an efficient marketplace for sellers seeking quick, hassle-free transactions.

Unlike conventional selling methods that often involve lengthy negotiations and uncertain timelines, cash for cars Oahu services typically complete transactions within 24-48 hours. These companies have developed sophisticated valuation systems that consider multiple factors, including make, model, year, condition, mileage, and local market demand, to provide competitive offers quickly.

The process typically begins with an initial assessment, either online or over the phone, where sellers provide basic vehicle information. Modern cars for cash Oahu companies utilize advanced digital tools to generate preliminary offers, often incorporating real-time market data and regional pricing trends. Following this initial step, an in-person inspection confirms the vehicle's condition and finalizes the offer.

One significant advantage of these services is their willingness to purchase vehicles in any condition. Whether dealing with running cars, damaged vehicles, salvage titles, or even complete wrecks, Cash For Cars businesses maintain relationships with various automotive industry sectors, including dealerships, auction houses, and salvage yards, enabling them to profit from vehicles in any state.

Environmental responsibility plays an increasingly important role in the industry. Many Cash For Cars companies participate in green initiatives, ensuring proper disposal of automotive fluids and recycling of materials. This commitment to environmental stewardship has helped improve the industry's reputation and attract environmentally conscious sellers.

The advent of mobile services has further enhanced the convenience factor. Many companies now offer free vehicle pickup, handling all paperwork and transfer requirements at the seller's location. This door-to-door service particularly appeals to sellers with non-operational vehicles or busy schedules.

Competition within the industry has led to service innovations and improved customer experiences. Leading companies now offer price-matching guarantees, same-day payment options, and comprehensive documentation services. Some have expanded into multilingual services to serve diverse communities better.

For sellers, the benefits extend beyond convenience. Cash For Cars services eliminate the risks associated with private sales, such as payment fraud or liability issues. They also handle all DMV paperwork, ensuring proper transfer of ownership and providing sellers with necessary documentation for their records.

The industry has adapted to modern technology, with many companies developing user-friendly mobile apps and online platforms. These digital tools allow sellers to upload vehicle photos, receive instant quotes, and schedule pickups, making the entire process more efficient and transparent.

Market analysis shows that Cash For Cars services often provide competitive offers, particularly for older or damaged vehicles that might be difficult to sell through traditional channels. While prices might be slightly lower than private sale maximums, the convenience and immediacy of payment often outweigh the difference for many sellers.

Looking ahead, the Cash For Cars industry continues to evolve, incorporating new technologies and expanding service offerings. The growing focus on sustainability and the increasing demand for convenient selling options suggest continued growth for this innovative sector of the automotive market.  https://www.autozillahawaii.com/

[honolulucarrental]

Honolulu Affordable Car Rental

Welcome to Honolulu Affordable Car Rental, your premier choice for convenient and budget-friendly car rentals in Honolulu. Whether you’re a local resident or a visitor to the beautiful island of Oahu, we’re here to provide you with reliable transportation at competitive prices.

About Us

At Honolulu Affordable Car Rental, we pride ourselves on offering a wide range of vehicles to suit your needs. Our mission is to make Honolulu car rental simple, affordable, and accessible for everyone. We understand the importance of reliable transportation and strive to provide exceptional customer service to ensure a seamless rental experience.

Services

We offer a variety of services to cater to your specific needs:

Daily Rentals

Perfect for short-term needs or spontaneous adventures.

Weekly Rentals

Ideal for extended stays or business trips, offering more flexibility and better rates.

Monthly Rentals

Great for long-term projects or temporary relocation, with significant savings.

Luxury Car Rentals

Navigating life’s intricate fabric, choices unfold paths to the extraordinary, demanding creativity, curiosity, and courage for a truly fulfilling journey.

Cash Car Rental Honolulu

We provide the option to rent a car using cash, making it easier for everyone to access our services.

FAQs

Q: What are the requirements to rent a car?

A: To rent a car, you need a valid driver’s license, a credit card, and proof of insurance. For cash car rental Honolulu, additional documentation may be required.

Q: Can I rent a car if I’m under 25?

A: Yes, drivers aged 21-24 can rent a car with us, though an additional young driver fee may apply.

Q: Do you offer one-way rentals?

A: Yes, we offer one-way rentals. Please inform us at the time of booking to make the necessary arrangements.

Q: Is insurance included in the rental price?

A: Basic insurance is included, but we recommend opting for additional coverage for complete peace of mind.

Q: What if I need to extend my rental period?

A: Contact us as soon as possible to extend your rental. Additional charges will apply based on the extended duration.

Q: How do I find a car rental near me?

A: With our multiple convenient locations, finding a car rental near me is easy. Visit our locations page to find the nearest rental office.

Locations

We have several convenient locations to serve you better. Find the nearest Honolulu car rental office from the list below:

94-144 Farrington Hwy, Waipahu, HI 96797, United States

981 Ahana St, Honolulu, HI 96814, United States

1035 University Ave, Honolulu, HI 96826, United States

1632 Makaloa St, Honolulu, HI 96814, United States

1491 S King St, Honolulu, HI 96814, United States

Business hours: Mon-Sun: 10:00 AM–8:00 PM

Phone: +1 (808) 638-1888

Whether you’re looking for a Honolulu car rental, a car rental near me, or a cash car rental Honolulu, Honolulu Affordable Car Rental is here to meet your needs with exceptional service and unbeatable prices.

[oahujunkcar]

INTEGRITY TOWING

Hawaii Junk Car Removal is locally owned and operated, and we’ve been servicing clients for a variety of automobile needs throughout the island of Oahu for a decade.

[sarahtravelstheworld]

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[indianadmin]

What are the viable ways of selling a vehicle rapidly on the web?

[fredahahn95-blog]

auto insurance oahu

BEST ANSWER: Try this site where you can compare quotes from different companies :coveragefinder.net

auto insurance oahu

auto insurance oahuas. The following companies are based in Hawaii. We do not sell your information the same way we would sell a policy in NY, CA, or TX. All insurance products on This page are underwritten by insurance carriers that have partnered with , LLC. , LLC may receive compensation from an insurer or other intermediary in connection with your engagement with the website and/or the sale of insurance to you. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of. auto insurance oahu is the best. With a little extra research, you could find an affordable auto insurance deal in Hawaii! Our dedicated, knowledgeable team of insurance professionals are standing by to truly answer your questions and ensure that you get the truth! Are you looking for cheap car insurance coverage outside the islands of Hawaii? While you’re researching the best deals, keep in mind that car insurance rates in Hawaii vary across the state. One comparison quote that would get you the best rates for the state is $98 per month. We’ve researched insurance cost in the islands of Hawaii to help you find the cheapest price possible. With the Hawaiian Highway System, car insurance rates tend to reflect a higher risk of damage from extreme weather, accidents, theft or natural disasters such as hurricanes, storms and fires. This higher risk puts the car insurance policy on the line. If you know the state that allows for auto insurance rates to be calculated when looking for the cheapest prices, you know that this will cost you as soon. auto insurance oahu, Hawaii, and a lot of their insurance premiums are very expensive. I was worried about getting the coverage. I know what is covered in the law, but I also know the insurance and don’t know their insurance policy. So I was really upset. I called the police and told them that I’m a non-citizen and didn’t use my ID. Then the insurance company said that I was at fault, and that the owner of this insurance was paying for the damages. Then the police informed me that it can be difficult to file a case against them. So my question is, can I get the money, is there a fee to file a police report? I’m also curious as to where you live in regards to the law… I am planning to get a local car insurance provider, as a non-EWI but I am undecided which company to go with. I think they are at the low end. I’m wondering how.

Hawaii Car Insurance FAQs

Hawaii Car Insurance FAQs How much does car insurance cost for a 2-car family? Costa-de-la-Porchina, Costa-de-la-Safo, Costa-de-la-Porchina, Costa-de-la-Shilo-Kabana What types of coverage does Costco offer? Coverage including: Personal and business liability protection, medical payments/emergency medical coverage, lost wages, and any other necessary coverage. Homeowners and renters policies. Loss of use and personal effects coverage, including: Gulfstream and marine collision insurance. Loss or damage waiver, which pays the costs related to your car’s depreciating or otherwise non-renewal, such as repair or replacement. The company also provides roadside assistance, gift cards, and a free home security app. Equipment breakdown protection. Inlandwater flood insurance. Can I pay.

Why DTRIC Insurance?

Why DTRIC Insurance? If you are looking to purchase DTRIC Insurance please read below to see all of the information needed and to compare your options: D.L. & O.D. Employers Group Insurance is a specialty insurance carrier offering workplace benefits for individuals and groups. It has specialized tools to evaluate and help you with your benefits. It also offers the services of a licensed independent insurance agent who specializes in Group Benefits management. We can help you with your company or employee benefits when you are a small business owner or owner of a corporation or LLC. If you haven’t filed your insurance claim within the first two weeks after you file a claim, your claim will normally go on with no extensions. You won’t have to file if you file through an auto insurance claim. Insurance agents will help you submit the claim online with just a few brief e-mails. After you have the information on the request, you can.

insuranceQuotes

insuranceQuotes.com (“ITIP”). It may be years before someone with a good driving record can get a lower premium on their car insurance.  But that is what we are here for.  As you will soon see from our review of California Farm Bureau’s auto insurance rates and coverage, the company is a good option for California drivers.  However, those in California can also shop around and obtain more than the minimum rates of California drivers.  We recommend contacting some insurance companies to see that their policies are considered the best option for California.  You also may be able to obtain California Farm Bureau’s minimum rate in some areas, so it’s important to check with the company to see what you’re eligible for with your California Farm Bank auto policy.  This is a great option for those who are looking for car insurance, but it is not the best option for those who have a high deductible on their California.

Personal Insurance

Personal Insurance Services, Inc. A business is a financial institution that has paid for the purchase of stock and securities, the disposition of which is based on the issuance by the insurer to purchase or borrow against the proceeds of the insurance policy. With the loss of both the insurer and the underlying policy, the policyholder is obligated to use the funds to repair or replace the losses the carrier suffered, but may not do otherwise or is subject to losses of other types of assets or liabilities. When the insurance carrier takes a loan on the policy, the insurer pays the loan with interest. However, there is a loan that is payable only after payments have been missed by the insurance carrier. Therefore, the loss of this loan could be subject to damage of another type of asset as the result of the loss of coverage (e.g. loss of income from the business). These are known as the “risk factors” of liability insurance for business owners and businesses. In essence, risk factors are the types of assets.

Ticket Impact on Auto Insurance Rates in Hawaii

Ticket Impact on Auto Insurance Rates in Hawaii A ticket impact is anything that occurs while driving without a valid license. Here are some examples. For a driver whose license has been suspended or revoked, tickets are commonly occurred due to failure to appear in court. Ticket Impact: When the policyholder attempts to present a security bond deposit, they are usually refused due to this. This could mean a significant amount of money being deducted from the policy s actual cash value. Uninsured/Underinsured Motorist: Insured drivers may have a few things going for them in the form of higher insurance premiums, so you might wonder if these are the primary factors involved in a loss that you need to be aware of. Ticket Impact: If there is a driver insured by the policy, it will generally be a relatively small increase in the cost of premiums. This could actually be beneficial in reducing the risk of an at-fault accident. Insurance Inter.

Checked Your Insurance Bill Lately?

Checked Your Insurance Bill Lately? ��We’ve got a lot of good info for you to compare to know on your insurance policy. Below we’re going to let you search for auto companies in your area     Click to find the best car insurance rates.     Click to find the insurance company that will offer you the best rates. Your quote based on a personal quote as well. You are still responsible to make sure that your insurance plan is valid in all states in the country. If you need any proof of insurance, then you should contact the company right away and have them verify you are driving the car for which you’re looking. Your automobile insurance policy must include the following forms of coverage: As we mentioned above, although this doesn’t directly cover you or your passengers, it is for the most part covered by the policy. Some of these additional insurance coverages are included in car insurance policy: For those who don’t know much about car insurance, a list can.

Get Free Auto Insurance Quotes

Get Free Auto Insurance Quotes Insurance CostPer Thousand $3.18 / $4.38 Cost Per Thousand Minimum Car Insurance Requirements in MT The state also requires auto insurance coverage for the driver, including coverage in the event of a crash. MT drivers are required to carry a minimum of: $50,000/$100,000 uninsured motorist bodily injury coverage. $10,000/10,000 motorist property damage coverage. Furthermore, MT drivers must provide proof of insurance or financial responsibility when they register their vehicle. Obtaining and maintaining the minimum coverage is mandatory in the state. Drivers can and should purchase more than the minimum coverage. It also addresses injuries and damage to property. MT motorists must provide proof of insurance or financial responsibility when they register their vehicle. Uninsured motorists are also required to carry at least $10,000 in PIP and $10,000 in uninsured motorist property or medical coverage. Uninsured motorist bodily injury.

Best Car Insurance Companies in Hawaii

Best Car Insurance Companies in Hawaii We compared auto insurance rates from six large carriers in Hawaii by first class postal code to make sure that they are available in a timely manner. We also found that in Hawaii, the big carriers like USAA and Farmers, have the lowest car insurance rates. In addition to that, we found that AEGON Insurance Company is the cheapest insurer in Hawaii, especially in the commercial field. The other is GEICO Insurance Company where we find those average rates. In addition to all other companies, we have also found that USAA has the highest insurance rates in the community, so this information adds further value to our review. All insurers are different, with some, GEICO, and AEGON. With some other companies such as Metromile, we found that when combined with a Harbor Island policy (Carriers Insurance in Hawaii), it can be a big savings. The biggest difference is in the way Harbor Island is protected. The Harbor Island policy protects the individual owner in cases of serious.

Affordable Insurance Premiums in Hawaii

Affordable Insurance Premiums in Hawaii. Many Americans spend too much money on car insurance premiums in Hawaii. The state s car insurance premiums average $1,600 per year. In comparison, the national average car insurance premium is just over $1,600 in Honolulu, about $35 a month. However, Hawaii doesn’t allow drivers to pay for rates that are based on place of residence. This means Honolulu-based insurance plans are usually more expensive for tourists and locals if they’re planning a road trip overseas. Here’s how to tell your parents’ options in case you’re making the switch. Travelers car insurance has been around for over 100 years. They use many methods to protect your investment while covering an entire range of risks. In their short history, though, it has provided an insurance option for the whole market. As is typically the case with all car insurance policies, the coverage for travel is quite different. The coverage on a Travelers policy depends on the policy you have.

Insurance Quick Links

Insurance Quick Links - Auto Insurance Services. There are plenty of options for car insurance, with options and rates that will fit your budget. Car insurance is designed to protect you financially in the event that the cost of injury, damage or lost income from an accident you cause creates a catastrophic financial disaster in the event of an accident is not covered by your car insurance policy. We work with insurance companies to get you the best coverage that fits your specific needs. If you’re looking for car insurance with a higher deductible, call us. You can expect to pay around $700 a year for her car insurance while on a fixed income. Your car insurance policy will provide coverage for any damages to your car if it s not damaged. You will also need to prove to the insurance company that you are not in the state with permission to drive. Some of these coverage types include: While you are in the process of buying car insurance, you may also be looking for ways to save money on you. You can get car.

[newstfionline]

Friday, November 27, 2020

A growing number of Americans are going hungry (Washington Post) It was 5 a.m., not a hint of sun in the Houston sky, as Randy Young and his mom pulled into the line for a free Thanksgiving meal. They were three hours early. Hundreds of cars and trucks already idled in front of them outside NRG Stadium. This was where Young worked before the pandemic. He was a stadium cook. Now, after losing his job and struggling to get by, he and his 80-year-old mother hoped to get enough food for a holiday meal. More Americans are going hungry now than at any point during the deadly coronavirus pandemic, according to a Post analysis of new federal data—a problem created by an economic downturn that has tightened its grip on millions of Americans and compounded by government relief programs that expired or will terminate at the end of the year. Experts say it is likely that there’s more hunger in the United States today than at any point since 1998, when the Census Bureau began collecting comparable data about households’ ability to get enough food. One in 8 Americans reported they sometimes or often didn’t have enough food to eat in the past week, hitting nearly 26 million American adults, an increase several times greater than the most comparable pre-pandemic figure, according to Census Bureau survey data collected in late October and early November. That number climbed to more than 1 in 6 adults in households with children. “It’s been driven by the virus and the unpredictable government response,” said Jeremy K. Everett, executive director of the Baylor Collaborative on Hunger and Poverty in Waco, Tex.

Tweet on spare change generates big money for virus aid (AP) Andy Larsen is a sports writer, but with so many games scratched during the pandemic he has spent a lot of time digging into coronavirus data and its sobering implications. Then on Monday, while he was sorting his spare change—some from a childhood piggy bank shaped like SpongeBob SquarePants—it struck him: Other people in Utah could use the money more than he could. His composed a tweet to his nearly 27,000 followers, hoping to quickly find someone who could use the $165.84. Within a minute, someone offered to essentially double his donation with a deposit into his Venmo account. Then someone else pitched in, and another. It kept snowballing as Utah Lt. Gov. Spencer Cox retweeted it, calling the effort “very cool.” “I figured I would help a couple families with Thanksgiving, or a family with three kids buy Christmas presents,” said the 29-year-old Larsen, who covers the NBA’s Utah Jazz for the Salt Lake Tribune. By Wednesday, he had collected more than $52,000. With the pandemic keeping people from getting together in a big way for the holiday, the online effort became a chance to conjure a sense of community, a feeling of being part of something larger. “It felt like it took on a life of its own,” he said.

How College Students Are Helping Each Other Survive (NYT) At many colleges and universities, from underfunded institutions to top-tier private colleges, many students have found themselves unable to meet basic needs during the coronavirus pandemic. Financial insecurity, previously accelerated by rising tuition costs and living expenses, has become even more acute because of the closure of campuses, loss of jobs and slashing of budgets. In response, across the country, students have created mutual aid networks: raising and redistributing tens of thousands of dollars to help their peers cover housing, medical costs, food and other essentials. Generally, students send in requests for small amounts of money, and network organizers will send them the funds using payment apps like Venmo. At its core, mutual aid is a form of charity in which neighbors or peers work together to help each other out on a case-by-case basis. The aid networks are entirely student-run, operating outside of any official college administration oversight. At Georgetown University, students donate cash to a central Venmo account, according to one of the founders, Megan Huynh, 20. “Then we have a funding request form for students in need—both undergrads and graduate students—to request basically like a micro-grant of $50 to $100,” she said. “And we just send them the money, no questions asked.”

Pandemic gave locals fleeting taste of a tourist-free Hawaii (AP) Line-Noue Memea Kruse lives on Oahu’s famed North Shore, where marveling at sea turtles, epic waves and sunsets that paint the sky orange and purple are a must for many tourists in Hawaii. After the islands required a two-week quarantine for travelers amid the coronavirus pandemic, Kruse rejoiced in the little things as the number of tourists dramatically dropped. It took her 35 minutes to drive to Walmart, instead of spending hours stuck in traffic as tourists gawked at turtles on the beach. Before the pandemic, as many as 30,000 visitors arrived a day. That dropped to several thousand after the quarantine mandate. “What the pandemic did was give us all a moment to pause, a number of months, to rethink everything,” said state Sen. J. Kalani English. “What it proves for us is that old model of tourism, which is, you know, mass bring 11 million visitors a year, didn’t work and people were tired of it.”

Macron’s Rightward Tilt, Seen in New Laws, Sows Wider Alarm in France (NYT) A rightward push by the French government is alarming civil liberties advocates in France and raising questions about President Emmanuel Macron’s positioning ahead of an expected electoral challenge from the far right in 2022. Propelled by a national wave of anxiety following recent terrorist attacks by Islamist extremists, two proposed new laws underscore what critics have called an alarming drift toward repression in government policy. One bill, which passed an initial hurdle in the lower house of Parliament, the National Assembly, on Tuesday, restricts the public filming of the police, a step civic groups consider a shield for brutality at a moment when law enforcement has come under more scrutiny for aggressive tactics, often from citizens armed with cellphone cameras. The other, still to be considered by Parliament, seeks further restrictions against Islamism as the French government has defined it, reaching into some aspects of Muslim life. This bill would ban home-schooling, flag in a database those deemed to “excuse” terrorist acts, subject organizations that receive government subsidies to a test of allegiance to “the values of the republic,” and increase strictures against polygamy, which is already illegal. In tilting right, Mr. Macron, a shape-shifting centrist who came out of the Socialist Party, has placed himself largely in step with public opinion.

German restrictions to last until March? (Reuters) Germany will probably have to stick with measures to dampen the pandemic into January, Chancellor Angela Merkel said on Thursday, while her chief of staff suggested that restrictions might be needed until March. “Given the high number of infections, we assume that the restrictions which are in place before Christmas will continue to be valid until the start of January, certainly for most parts of Germany,” Merkel told parliament.

It was never easy being an interfaith couple in India. Now some states are making it harder. (Washington Post) Marrying across religious lines has always been a challenge in India, a vast multifaith democracy where the pull of family and tradition remains strong. Now politicians in India’s ruling party are contemplating laws to thwart such unions, driven by a conspiracy theory that views them as a tool for conversions. At a rally last month, the leader of the country’s largest state warned of the danger of “love jihad,” an inflammatory slur referring to an alleged plot by Muslim men to convert Hindu women through marriage. Men who “conceal their names and play with the honor of daughters and sisters” should prepare for their final journeys, thundered Yogi Adityanath, the radical Hindu monk who leads the state of Uttar Pradesh. The “love jihad” smear is baseless, but it has become common parlance among members of India’s ruling Bharatiya Janata Party. In recent weeks, four state governments have promised to enact new laws to combat the purported threat. The new laws will deepen concerns that under Prime Minister Narendra Modi, India’s Muslim minority is increasingly subject to suspicion, discrimination and even violence.

Coronavirus: Shanghai rises to become world’s most connected city (BBC) Shanghai has dethroned London to become the world’s most connected city as the coronavirus shakes up international travel. London has seen a 67% fall in connectivity in air travel, according to airline industry body IATA. Shanghai has risen up the ranks, and the world’s four most connected cities are now all in China. IATA says the pandemic has “undone a century of progress” for connectivity between cities. “The dramatic shift demonstrates the scale at which the world’s connectivity has been re-ordered over the last months,” said Sebastian Mikosz, a spokesman for the International Air Transport Association (IATA). Large transport hubs including London, New York and Tokyo have been hit hard by the dramatic reduction in flights in and out of their cities.

Ethiopian PM says troops ordered to move on Tigray capital (AP) Ethiopia’s prime minister said Thursday the army has been ordered to move on the embattled Tigray regional capital after his 72-hour ultimatum ended for Tigray leaders to surrender, and he warned its half-million residents to stay indoors and disarm. The military offensive “has reached its final stage” after three weeks of fighting, Prime Minister Abiy Ahmed’s office said. That means tanks and other weaponry can close in on Mekele, whose residents had been warned of “no mercy” if they didn’t move away from Tigray leaders in time. Abiy’s statement asserted that thousands of Tigray militia and special forces surrendered during the 72-hour period that ended Wednesday evening. “We will take utmost care to protect civilians,” the statement said.

It’s Time for a Digital Detox (NYT) Even though the presidential election is over, we’re still doomscrolling through gloomy news about the coronavirus surge. The rest of your daily routine is probably something like mine while stuck at home in the pandemic: Divided among streaming movies on Netflix, watching home improvement videos on YouTube and playing video games. All of these activities involve staring at a screen. There has to be more to life than this. With the holiday season upon us, now is a good time to take a breather and consider a digital detox. No, that doesn’t mean quitting the internet cold turkey. Think of it as going on a diet and replacing bad habits with healthier ones to give our weary eyes some much needed downtime from tech. “There’s lots of great things to do online, but moderation is often the best rule for life, and it’s no different when it comes to screens,” said Jean Twenge, a psychology professor at San Diego State University and the author of “iGen,” a book about younger generations growing up in the smartphone era.

[daretoliveinhim]

Greetings brothers and sisters in Christ.  Before I can go in this new blog post, I would like to update everyone:  It has been a few weeks since I last posted anything.  I have lost my Facebook profile for good and as a consequence, became very discouraged because I am unable to post to my primary audience.  I still have Instagram, Twitter, and have recently created accounts on Tumblr, Parler, and Reddit so I can find other ways to reach other folks.  I will start posting regularly beginning tomorrow.

Hawaii, particularly the island of Oahu, has been under a Hurricane Watch.  Hurricane Douglas has been bearing dangerously close to our island but it seems like we will be okay.  Thanks folks.  Now on to the blog post:

This blog post is to show how much of our Mother Church is under heavy attack.  It is aggravating, agonizing, and saddening to see our Churches under attack, particular in North America.  All of this information I have compiled from the Interactive Map of Attacks on Catholics from the website Complicit Clergy.  There have been churches in other parts of the world also that were attacked as well and I will make another blog post in regards to those attacks of the churches in other parts of the world.  Let us pray hard, pray unceasingly, and stay faithful to the Lord.  God bless!

Canada

May 21, 2020:  Grotto of Our Lady of Lourdes, Sudbury, Ontario:  Not a Hate Crime? Bronze Stations of the Cross Statues Beheaded in Broad Daylight

Damages:  Stations of the Cross statue beheaded

July 3, 2020:  Notre Dame Cemetary, Ottawa, Ontario:  Mischief charge laid after headstones vandalized at Notre Dame Cemetery

Damages:  Cemetary headstones knocked down

July 13, 2020:  Sacred Heart Church, Calgary, Alberta:  Statue Of Jesus Vandalized At Catholic Church In Calgary

Damages:  Statue of Jesus defaced

July 19, 2020:  Basilica of Our Lady Immaculate, Guelph, Ontario:   ‘We’ll be praying for whoever did it’: Mary statue vandalized outside Guelph basilica

Damages:  Statue of Our Lady was vandalized with some symbols, one being a swastika

July 9, 2020:  St. Patrick’s Parish, Markham, Ontario:  Statues vandalized at Markham parish

Damages:  Statue of Mary lifting Jesus off the cross damaged, hand broken off and facial features damaged.  Face of Mary was smashed and statue knocked off its base.  Second statue of Padre Pio had face and hand smashed.

United States of America

California

May 29, 2020:  Our Lady of Mt. Lebanon St. Peter Maronite Catholic Cathedral, Los Angeles, California:  

Damages:  Church was vandalized with graffiti.

June 2, 2020:  St. John the Evangelist Catholic Church, Wasco, California:  Vandal hits Wasco church

Damages:  Head and Arms Misssing

June 18, 2020:  Golden Gate Park, San Francisco, California:  Statues of Junipero Serra, Ulysses S. Grant toppled at Golden Gate Park

Damages:  St. Junipero Serra statue toppled

June 19, 2020:  Placita Olvera, Los Angeles, California:  Junipero Serra statue toppled in downtown L.A.

Damages:  Statue of St. Junipero Serra toppled

June 25, 2020:  Cross atop Mount Rubidoux, Riverside, California:  Police investigating vandalism of Junipero Serra cross at Mt. Rubidoux in Riverside

Damages:  Cross was vandalized with graffiti and by axes.

July 3, 2020:  Sacramento’s Capitol Park, Sacramento, California:  Protesters tear down statue of Spanish missionary and saint Junipero Serra in Sacramento

Damages:  St. Junipero Serra statue taken down

July 3, 2020:  San Jose Mission, Fremont, California:  ‘Native Land’ graffiti in Fremont mission being investigated as hate crime

Damages:  “Native Land” graffiti on sides off church, splatters of paint to indicate simulated blood

July 11, 2020:  San Gabriel Mission, San Gabriel, California, USA:  Morning Briefing: Arson A Possibility In San Gabriel Mission Fire

Damages:  Church set on fire in choir loft

July 14, 2020:  Ventury City Hall, Ventura, California:  Ventura City Council Votes To Remove Junipero Serra Statue

Damages:  Father Junipero Serra statue being removed by City Council

July 15, 2020:  St. Isidore Catholic Church, Yuba City, California:  St. Isidore Catholic Church statues vandalized

Damages:  Two statues, part of the Stations of the Cross monuments, were vandalized.  Station 12, part of the statue where Christ is nailed to the cross was stolen.

Arizona

June 16, 2020:  Our Lady of Guadalupe Chapel, Flagstaff, Arizona:  ‘Our church deserves better’: Families gather to clean Our Lady chapel after vandalism

Damages:  Front door of chapel was spray painted across front door and nearby statue of Jesus.

Wyoming

May 5, 2020:  St. Anthony’s Catholic Church, Casper, Wyoming:  Suspect Arrested, in $25,000 Casper Church Vandalism

Damages:  Kicking property, and knocking over a statue.  Estimated damage over $25,000.

Montana

July 11, 2020:  Statue near Chair 2 on Whitefish Mountain Resort, Whitefish, Montana:  Jesus statue at Whitefish Mountain Resort vandalized

Damages:  Statue was vandalized with holding flags that read Rise Up and #BLM and with brown painted skin tones.

Colorado

May 28, 2020:  Cathedral Basilica of the Immaculate Conception, Denver, Colorado:   Homily and Reflection:  Father Ron Cattany, Pastor and Rector:  Cathedral Basilica of the Immaculate Conception, Denver

Damages:  Church was vandalized with much graffiti.

July 13, 2020:  St. Mary’s Cathedral, Colorado Springs, Colorado:  Statue of Our Lady Of Fatima vandalized outside St. Mary’s Cathedral. Toes are painted, “Red Rum” painted along the bottom.

Damages:  Our Lady of Fatima statue vandalized with graffiti.

Texas

May 25, 2020:  San Juan Basilica, San Juan, Texas:  San Juan Basilica vandalized, suspect charged

Damages:  Front doors were vandalized with graffiti

May 28, 2020:  St. Jude Chapel, Dallas, Texas:  Cleanup underway for Dallas businesses vandalized after Friday night’s George Floyd protest

Damages:  Rocks were thrown through front glass of chapel.

Louisiana

January 3, 2020:  St. Therese Catholic Church, Abbeville, Louisiana:  Statue vandalized outside St. Therese Catholic Church in Abbeville

Damages:  St. Therese Statue vandalized with satanic graffiti

Missouri

January 28, 2020:  St. Cecilia, St. Louis, Missouri:  Vandals spray paint graffiti on South City church

Damages:  “Hail Satan” Graffiti on various walls and windows of church

Minnesota

May 27, 2020:  Basilica of St. Mary, Minneapolis, MN:  Oldest Basilica in the US Damaged In Minneapolis Riots

Damages:  Fires were set to church pews

Illinois

April 13, 2020:  Sacred Heart Catholic Church, Palos Hills, Illinois:  Man out on bond on hate crime charges tried to burn down Palos Hills church: police

Damages:  Attempted to set parish on fire and perpetrator used clothing to carve “Kill Christian now” on cell wall

May 29, 2020:  Pauline Books & Media, Chicago, Illinois:  Rioters Loot Catholic Media Nuns’ Bookstore in Downtown Chicago: “My Heart is Breaking”

Damages:  Broken windows, cash stolen

June 24, 2020:  St. Patrick’s Church, Joliet, Illinois:  Mary statue at St. Pat’s in Joliet ripped apart

Damages:  Mary’s statue ripped off, hands removed

July 5, 2020:  St. Bernadette Catholic Church, Rockford, Illinois:  St. Bernadette Parishioners Pray for Crucifix Vandal

Damages:  Corpus statue (Jesus on Crucifix) destroyed with hammer

Indiana

May 30, 2020:  St. John the Evangelist Parish, Indianapolis, Indiana:  St. John pastor keeps prayerful watch over parish during unrest

Damages:  Car burned in parking lot close to church, church walls walls vandalized

July 2, 2020:  St. Ann Church, Gary, Indiana:  Virgin Mary statue vandalized, church leaders say

Damages:  Mary statue beheaded

Kentucky

May 28, 2020:  Cathedral of the Assumption, Louisville, Kentucky:  Cathedral rectory damaged in protests

Damages:  Windows were shattered.

Georgia

June 4, 2020:  St. James Catholic Church, Madison, Georgia:  A marble statue of St. Mary is toppled in the St. James Church outdoor prayer garden

Damages:  Virgin Mary statue was deliberately knocked over and found crumbled on the ground

Florida

July 10, 2020:  Sacred Heart Catholic Church, Punta Gorda, Florida:  Man Vandalizes Statues In Florida Church

Damages:  Statues of Virgin Mary, three children (Probably Fatima children), and Jesus knocked to the ground

Original Image and article no longer available

July 10, 2020:  Queen of Peace Catholic Church, Ocala, Florida:  Florida man crashes into church, sets it on fire with parishioners inside, sheriff says

Damages:  Car was crashed into church and set on fire, with parishioners still inside

July 14, 2020:  Good Shepherd Catholic Church, Miami, Florida:  Statue of Jesus Decapitated in Miami

Damages:  Statue of Jesus decapitated

Tennessee

July 10, 2020:  St. Stephen Catholic Church, Chattanooga, Tennessee:  Statue of Virgin Mary Beheaded at Tennessee Parish

Damages:  Statue of Virgin Mary beheaded

North Carolina

June 15, 2020:  St. Elizabeth of the Hill Country Catholic Church, Boone, North Carolina:  Blessed Sacrament and tabernacle stolen from North Carolina Catholic Church

Damages:  Tabernacle and Holy Eucharist stolen

Ohio

July 18, 2020:  Franciscan University, Steubenville, Ohio:  Campus sign shot

Damages:  St. Joseph Center sign shot

New York

January 11, 2020:  St. Anthony of Padua Parish, Brooklyn, New York:  Video shows vandal spraying juice at Catholic priest in Brooklyn

Damages:  Priest is sprayed with red juice during Mass

January 11, 2020:  Sacred Heart Catholic Church, Queens, New York:  Cops searching for vandal who tagged MS-13 graffiti on Bayside church and school

May 29, 2020:  St. Patrick’s Cathedral, New York, New York:  Two protesters arrested for St. Patrick’s Cathedral vandalism

Damages:  Cathedral exterior walls for spray painted with profanities

July 6, 2020:  St. Mary’s Parish, Washingtonville, New York:  Schmitt: ‘Evil and hate targeted our community last night’

Damages:  Flag pole of 9-11 Memorial was cut down.

July 10, 2020:  Cathedral Preparatory School and Seminary, Elmhurst, New York:  Virgin Mary statue vandalized with graffiti in NYC

Damages:  Virgin Mary statue spray-painted “Idol”

Connecticut

July 14, 2020:  St. Joseph’s Church, New Haven, Connecticut:  Archdiocese: New Haven Catholic church vandalized with ‘satanic,’ ‘anarchist’ symbols

Damages:  Front door was vandalized with satanic and anarchist symbols

Rhode Island

June 21, 2020:  Providence College, Providence, Rhode Island:  Cross and graves vandalized at Catholic university cemetery

Damages:  Cross and graves vandalized at cemetary

Massachusetts

July 10, 2020:  St. Peter Parish, Boston, Massachusetts, USA:  Police: Virgin Mary statue burned at Dorchester parish, arson investigation underway

Holy Mother Church in North America under attack! Greetings brothers and sisters in Christ.  Before I can go in this new blog post, I would like to update everyone:  It has been a few weeks since I last posted anything. 

[richienorton]

How to premium sell like Elon Musk. ⁣ ⁣ Most entrepreneurs start with low-ticket items offered to a small audience and wonder why they end up failing with “cash flow problems.”⁣ ⁣ You can’t make money selling nothing to no one. ⁣ ⁣ Entrepreneurs largely quit over something they don’t even know caused their woes: their business model. ⁣ ⁣ You should follow Tesla’s Pricing Strategy. I do.⁣ ⁣ Elon said himself OVER 10 years ago, ⁣ ⁣ “…the master plan is:⁣ -Build sports car⁣ -Use that money to build an affordable car⁣ -Use that money to build an even more affordable car⁣ -While doing above, also provide zero emission electric power generation options⁣ -Don’t tell anyone.”⁣ ⁣ Instead of having to produce mass amounts of cheap goods, Musk was able to use the funds from his high-priced cars to a small audience to fund lower-priced ones to a large audience.⁣ ⁣ Additionally, the higher-priced cars helped Tesla gain attention, exclusivity, desire, and grow their audience / fans. Then, after patiently waiting and building brand reputation, at the critical point of mass exposure, they roll out the lower-priced model that more people can afford.⁣ ⁣ With confidence and foresight, start with high prices. Go big. You’re better off working with one client for $1,000 than 10 clients for $100.⁣ ⁣ But most entrepreneurs don’t do this. Instead, they work crazy hours making pennies!⁣ ⁣ Why?⁣ ⁣ Fear.⁣ ⁣ They aren’t willing to swing for the fences and play the long game. If youcreate enormous value for one person, rather than minimal value for several, you do more good and free-up loads of time you could dedicate to other things.⁣ ⁣ You can do this right now.⁣ It all starts in your head.⁣ But what goes on in your head dictates your reality. Do you have the gumption to swing for the fences and play the long game?⁣ ⁣ The simple formula:⁣ ⁣ * Build a high-ticket offer.⁣ * Use that money to build another high-ticket offer.⁣ * Use that money to build another high-ticket offer.⁣ ⁣ If you have a potential client-base of 100 people, target the 1–5 who will love the biggest thing you can offer. Forget about “selling” the other 95–99 right now.⁣ ⁣ That’s what Musk did.⁣ CONTINUES 👉🏽👉 (at Shark's Cove, North Shore, Oahu) https://www.instagram.com/p/B18MVKNoz4V/?igshid=1y23db5hgh645

[bjoyful]

Day 1 Pt III

A Great First Day

It was sweltering outside waiting for the Hertz guy to get our car. Fortunately Tim and I had both changed to Hawaii clothes (tank tops and board shorts of course). And there were palm trees swaying in the slight breeze to Instagram.

Blasting the relieving AC in our rental car, Tim drove us over to Ala Moana (which was 4 minutes away), and we navigated our way through the Friday afternoon masses to Curry House Coco Ichibanya. We did still want to save some of our appetites for Marukame Udon, that world-famous udon noodle house that we went to twice during our honeymoon, so we just ordered a medium-ish bowl of chicken curry to share. Then Tim realized they took cash only, and fumbled around in his wallet for the few dollars he had. He came up a dollar short. The young Asian cashier guy (his face looked a little like Bryant Trinh’s but more round) who was taking our order looked at us sympathetically before saying, “Here, I might have some change.” Then he pulled his own wallet out of his back pocket, took out a dollar, and added it to our payment! Both Tim and I were astonished with his generosity. It pretty much made our day.

We proceeded to devour the curry when it arrived. I don’t know if it was because I was famished, but that was probably some of the best rice + curry I’ve ever tasted.

Since Luke sold us his GoPro Hero 4, we’ve also been trying to find a case and accessories for it here so we can take it surfing and hiking and snorkeling and on other ventures with us. We weren’t really able to find anything nearby Curry House that had GoPro 4 stuff so we headed out. We’ll be back at Ala Moana later.

We checked into the AirBnB apartment that we’re staying in, and it’s pretty much like a nice 2-star hotel without the room service. It’s in a complex called Island Colony right around the corner from our favorite udon shop. They have a really nice pool area with a hot tub, but unfortunately the pool’s under construction. That’s okay, that’s what the beach is for. The view from our room is very building-saturated but you also get a little glimpse of the ocean and you can see the Ala Wai canal easily.

One issue to overcome was the parking situation. If we used the complex’s parking garage, we’d pay $30 a day. Neither Tim nor I was willing to pay that much, so we parked temporarily in a 2-hour parking spot close to the complex, chilled in the room for a couple hours to recuperate, and then headed back out to find a good spot.

According to our online research, if you were extremely lucky you would be able to nab a spot along Ala Wai canal, but the chances of that are pretty low, like getting a spot directly in front of Horton at Biola. We prayed anyway, of course. We then gave it a go and got stuck at the red light to get on Ala Wai Blvd while a line of cars drove by, looking at the long stretch of parallel-parked cars across from us with no open spaces. With low expectations, Tim turned left. Suddenly, right up ahead of us a car’s lights turned on and it pulled away! We had a spot! And an extremely rare, very close one, too.

Praise the Lord. His providence is true to us on vacation and everywhere else. We look back at last year during our honeymoon when we needed dishwashing soap and were going to go buy some, went walking around Hilton Hawaiian Village and found a brand new mini dish soap bottle on the ground smack in front of us. Right after we parked, I took a picture to capture the moment of our amazing spot right by Ala Wai canal. Unfortunately there was a random sad woman also there, who was captured in the photo as well.

We weren’t really hungry for udon yet so we decided to walk around the area (which has a ton of shopping and touristy things and the beach) a bit. I can’t get over how warm it is here. It’s not muggy like SoCal, but still hot and even more humid. The sun shined bright we were walking, and reaffirmed my packing decision that the only long-sleeve that I even brought was my Pixar Piper shirt.

While crossing Kalakaua Ave, I saw two Honolulu Cookie Companys and 3 ABC Stores on the way. They’ve done a lot of new development here, including remodel International Marketplace which is a gorgeous new outdoor mall featuring towering banyan trees, natural-looking ponds and fountains, and flagstone walkways. I was extremely impressed. Tim said it used to look pretty tacky before.

I couldn’t help finding my way to the beach. When we got there, Tim scanned the amount of surfing people in the waves and exclaimed, “It’s a zoo out there!” Yes, Waikiki Beach surfing is way worse and way more crowded than San Onofre. We stood for several moments watching everyone clamor for a ride, and I daydreamed about how we’d be surfing out at Waianae in a few days and there’d probably be nobody else there but us.

We realized that the line was probably getting pretty long at Marukame, so we headed back, and we were right. The line was Disneyland status. I guess that’s the only thing I don’t really enjoy about being in Waikiki/Honolulu, Oahu is that it’s just as densely populated as any other tourist-frequented city.

The wait for Marukame didn’t feel too unbearably long, though, and the food was well-worth it as always. You grab a tray, stand in line and order your noodles, Urban Plates style, then they give you your bowl of noodles and you take your noodles and tray and pick your sides then pay the cashier Fresh Choice style. I ordered cold udon with sweet beef and an egg, and Tim ordered cold udon with sauce, and we both shared some tempura. I was hungry again by the time we got our food and sat down, so everything tasted twice as good.

Pleased with the eats, we headed back to the room, changed into swimsuits and hit up the hot tub and hung out for a bit there, quizzing each other on random geography questions. Tim asked me what the 7 continents were and I had to sit quietly for several minutes making sure my answers were right so that he didn’t make fun of me. When I asked him what the capital of Denmark was, he said, “Bismarck?”

On the way back up to our room from the hot tub, there was a friendly older Korean tourist couple in the elevator with us. They recognized Tim’s cupping marks on his back and chattered to each other about them, then pointed to his biceps muscle, very impressed, and motioned with their hands that they knew he was strong. I grinned to myself and Tim accepted their foreign compliments humbly.

To wind down for the evening, we streamed Fantastic Beasts and Where to Find Them, which was a very engaging, surprisingly disturbing film. I enjoyed it because it seemed carry the same relationship to the rest of the Harry Potter series as Rogue One did to Star Wars, even though the story was a bit more confusing.

Altogether an excellent first day on the island!

[ultra-famousgentlemencollec-blog]

The iPhone 6 Must You Purchase?

Together with the latest Apple iPhones coming to India within just 14 days, a great deal of buyers might be wondering which iPhone 6 is ideal for them. Here is the very first time ever that Apple has launched two separate iPhone models with similar specs. At least with the iPhone 5S and 5C, one was clearly the bigger end model then one was the lower end device. Using the iPhone 6 and 6 Plus, you'll find hardly any internal differences with the exception of the car battery size as well as the camera. So here are a couple items to keep in mind when deciding which iPhone 6 you must spend your cash on. The value difference. Apple has announced that it's going to launch the iPhone 6 16GB variant in India at a cost of Rs. 53,500, even though the 5.5-inch iPhone 6 Plus will begin at Rs. 62,500. That is a price difference of Rs. 9,000. Choosing small device would mean that spent the money it can save you on accessories like Bluetooth headsets or iPhone 6 cases,. The dimensions difference. The new iPhone 6 models are really thin, about the 7mm mark. The iPhone 6 Plus is slightly thicker although not enough for any person to get noticable. Oahu is the other dimensions which can be wildly different. The iPhone 6 Plus is not only the largest iPhone ever though a 5.5" screen it's among the largest smartphones period. Bordering on the phablet size, the 6 Plus needs two hands for doing things and Apple even gave it a one-handed mode that slide the top screen down in order to actually reach it. Think of where you stand gonna carry your phone and whether or not the 6 Plus will fit in the hands, your pockets or your purse.

Bendgate. Though a lot of the stories from the iPhone 6 Plus being bent are media hype, you may still find legitimate stories of users who've finished up with damaged iPhones just from keeping them inside their trouser pockets. The iPhone 6 Plus is really large and thus thin that isn't a great scenario. True, you might buy and iPhone 6 Plus cover that could provide some extra protection but there would be that worry that you were going to ruin a computer device that be more expensive than Rs. 62,000, every time you sit down. You. One of the main selling points of iPhones have always been they have precisely what is probably the best smartphone camera ever. If you're one of the people who uses the iPhone camera a lot, you'll want the iPhone 6 Plus having its optical stabilization features, that the iPhone 6 lacks. Though both of them are great cameras, the stabilization takes the iPhone 6 Plus nearer to being the only camera you may ever need. You will find there's trade-off though. The camera around the 6 Plus is unique of the body within an ugly camera bulge that spoils the smooth back and causes it to be impossible to get the device down flat. Inside your resolve this really is with an iPhone 6 Plus case that evens out your bump and restores a designated back to the phone. More info about iphone 6 64gb please visit web portal: read more.

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Investing Lessons From A Surreal 2017

At the beginning of the year, I decided to track my investments with a detailed spreadsheet because my cash flow was increasing and I wanted to make sure the money was being properly deployed based on my risk tolerance. If I force myself to think for hours about how to invest my money, hopefully I won’t rashly spend it on completely wasteful things such as a sports car that can’t fit a baby seat or a vacation property I’ll hardly ever use.

On the flip side, ever since the housing crash I’ve had a heightened fear of losing money, especially since I haven’t had a job since 2012. It takes around three years as an entrepreneur to feel confident you won’t starve on the streets, especially if you become a parent during the process. As a result, I tended to hoard cash, which is suboptimal in a bull market.

This post will go over my investment thought process by category for 4Q2017 and conclude with some investing lessons learned about the year. The goal of tracking our investments is to try and take full advantage of a bull market in a risk appropriate way. 

Financial Samurai 4Q2017 Investment Review

In summary, I mobilized a total of $2,263,319 into various investments in 2017. $750,000 of the $2,263,319 was invested in conservative investments (bonds, mortgage pay down, and home improvement) that should return 4% or more gross a year. The remaining $1,510,000 was invested in riskier assets with a target return of between 8% – 18%. My goal is to achieve a 10% total annual return, but will gladly settle for 8%.

The $2,263,319 invested was largely helped by a rental home sale in June 2017, which gave me ~$1,788,000 in proceeds ($2,740,000 sale price). Due to declining rents, expensive valuations, potentially rising mortgage rates, higher property taxes, potentially negative tax policy changes, PITA tenants, better investment opportunities, and less time due to a newborn, I thought it best to sell one of three properties in CA.

Overall, I reduced my risk exposure by $476,681 and increased my cash position by $450,000. Despite the decrease in exposure and increased balance sheet, I still have synthetic full exposure to risk assets due to $1,092,000 of remaining mortgage debt from my primary residence and vacation property rental.

Real Estate

Because I wanted to see if I could find a winter property deal, I held onto a lot of cash. I found two homes that I liked, but the sellers wouldn’t entertain my low ball offers. I wasn’t even sure I’d be happy with the purchase even if they did accept my offer because of all the maintenance and tenant issues I’d have to deal with again. For example, one home had a serious leak in the garage that kind of gave me a little PTSD from all the leaks I experienced at my old rental house.

By Dec 1, I realized I was never going to buy another property in San Francisco again, so I decided to invest another $300,000 in the RealtyShares domestic equity fund after meeting up with the team again for dinner. Since the summer, the fund invested in a flex-industrial deal in Chicago MSA, a multi-family in Phoenix, a strip mall in Orlando MSA, and a multi-family in Canyon Lake, TX.

Although a total of $800,000 in real estate crowdfunding sounds like a lot, I view it as buying a $800,000 portfolio of 12+ different properties across the country at much lower valuations and much higher net rental yields compared to having $2,740,000 in one very expensive rental property in San Francisco that is now at risk of depreciating due to declining rents and new tax legislation that limits mortgage interest deduction and SALT deduction.

The next physical property I will buy will be a primary residence in Oahu. The plan is to move back to Oahu within the next five years before my son starts kindergarten. I really like the idea of buying physical property to personally enjoy, and then renting it out years down the road if you have the funds and the desire to move. If the rental experience goes well, I’ll keep the property. If not, I’ll sell it and follow my BURL real estate investing strategy.

Stocks: Bought The Dips

In October, I started getting excited about the potential passage of a tax plan that would lower taxes for large corporations and businesses like mine with pass-through income.

As a result, I invested more aggressively into stocks because I felt the market would respond favorably if the plan passed. Further, my desire to buy another property kept going down. Corporate earnings are estimated to get a 8% – 10% boost and small business with pass-through income might see an even larger gain.

The timing of this tax plan is fortuitous given I’ve spent 8.5 years building a lifestyle business that has now reached a level where it will benefit from tax changes. Nothing has made me more bullish than business tax reform, which is why I need to keep my emotions in check through this investment review process.

Finally, I superfunded my son’s 529 plan with $70,000 while his mom and grandma contributed $14,000 each. We figured this would be a good method to diversify contributions since once you superfund, you can’t contribute for four years. It’s good 529 plan owners have the flexibility to use the proceeds for grade school education now.

See: How The New Tax Plan Will Ruin Your Life If You’re Not Careful 

Bonds: A Positive Surprise

Bonds performed well in 2017 with the the long-bond index fund TLT up ~10%. My California muni bond positions are up ~3.5% + ~4.5% gross adjusted yield for a total gross gain of about 9%. Not bad given I was just looking for around a 4% gross gain.

Once the 10-year bond yield gets back to its 12-month high of 2.6%, I’ll be looking to buy more bonds again. I see a 3% cap on the 10-year bond yield for 2018.

Related: The Case For Bonds: Living For Free And Other Great Benefits

Mortgage Pay Down

If you add on the $815,000 of mortgage debt I paid off by selling my rental house, I’ll have paid off a total of $921,000 of mortgage debt in 2017. It feels fantastic to have almost a million dollars less in debt, even if the interest rate was low. By consistently paying off random chunks of extra principal throughout the year, it was easy to pay down an additional $106,646 in principal.

I’ve still got about $1,092,000 in mortgage debt to pay down between my vacation property and my primary residence. I certainly don’t need so much cash, but I want to continue legging into risk assets just in case there’s some type of downturn or a change in my lifestyle.

My plan is to pay off my vacation property mortgage by 2023. I probably won’t pay off my primary residence within five years because I need as much cash as possible to buy our future dream residence in Hawaii.

Related: Pay Down Debt Or Invest? Follow The FS-DAIR Framework

Everything Else

I’ve committed $200,000 to my friend’s second venture debt fund. They’ve called $96,219 within one year. I expect them to call the remaining $103,781 by the end of 2018. The fund’s objective is to earn a 15% – 20% IRR. Based on the performance of his first fund, a more likely return of 10% – 13% should be expected.

It felt great not having to do any home improvement projects since 1Q because we now have a baby who requires precious sleep. Any disruption of sleep would have been infuriating for all of us since my wife and I were like zombies for the first three months.

Finally, out of the $611,000 in stock investments, $50,000 of that was in highly speculative investments that have surprisingly done well.

Related: How To Make Speculative Investments Without Losing Your Shirt

Main Lessons Learned From Investing in 2017

My biggest mistake was not being more aggressive investing in the stock market at the beginning of the year. I didn’t have as much liquid cash because I hadn’t sold my rental house yet, but it was the Trump presidency and high valuations that gave me hesitation. I wasn’t too hopeful about tax reform either.

My best move was selling a rental house for 30X gross annual rent before the SALT deduction got limited to only $10,000 and redeploying the capital in properties around the country trading at just 10-14X gross annual rent. Life feels so much better not having to deal with housing issues anymore. It’s also nice to worry less about natural disasters.

Here are several lessons from 2017 that may help you become a better investor.

1) Try to look beyond the politics and focus on fundamentals. Given I live in San Francisco, I know plenty of people who decided to pull much of their money out of the stock market at the end of 2016. They were so blinded by their hatred of Donald Trump that they missed out on huge gains.Generally speaking, deregulation and lower taxes are good for business, which is good for business investors. Further, in my mind employment was already on the upswing and interest rates would remain accommodative.

Unless our politicians actually reform laws, there is often a disconnect between how much investors believe our politicians can do and how much they can actually do. Reduce risk if you wish. But don’t get out of risk assets completely.

2) Real estate is an easier investment over stocks. How can this be when stocks just went up ~19%? Having to reinvest my home sale proceeds was exhausting. If I didn’t have weekly reminders to invest, I wouldn’t have because of the uncertainty of what to invest in, the timing of the investment, and the actual act of deploying capital. Every investment I make gives me a little bit of anxiety due to my fear of losing money and looking like a buffoon.

With real estate, despite the leverage, all you’re doing is enjoying your home or collecting rent checks (if you’re lucky). When you’re just living, you aren’t questioning every single investment you make. Therefore, for most people who are too busy to track the market, owning real estate over the long run is an easier path to wealth. Despite my terrible tenants, the $1 million of equity gain from 2012 – 2017 was the easiest investment money I’ve ever made.

If you don’t have enough money to buy real estate, then owning an S&P 500 index fund over the long term is fine too. Just know that the longer you rent, because of inflation, the longer you will regret your decision. Inflation is an unstoppable beast that will eat you alive.

3) Think in percentages over absolute dollars. Because I had never invested more than $500,000 a year in my life, having nearly $1.8M to re-invest was intimidating. But as soon as I started breaking the investment amount into percentages, deploying capital became easier.

Find out what each asset class is as a percentage of your net worth and calculate what each new invest is as a percentage of your investable assets and net worth. This exercise is particularly helpful for frugal people whose wealth has far outstripped their spending habits.

4) Stick to an investment framework no matter what. Once you’ve decided how much you can comfortably invest each month and what type of asset allocation is best for you, execute your plan without fail. It is almost always the case you will be surprised by how much you end up accumulating or how much debt you end up paying down over time.

Wrapping Things Up

Overall, according to the final weekly personal investment performance e-mail I get from Personal Capital, my public investments returned ~15% in 2017. I’m happy with the results because my total capital exposure is significant for how much we spend. Further, my goal after leaving work was to earn a 4% – 6% tailwind a year while I build a lifestyle business.

It’s really hard for me to take on more risk because of my fear of having either one of us go back to work during the crucial first five years of our son’s life. At the same time, I can’t help but want to take full advantage of the bull market while it lasts. The further I can run up the score, the bigger the buffer during the inevitable recession.

Finally, one positive surprise I experienced this year was that once I elongated my investment time horizon to 20+ years due to the birth of my son, I became much more at peace with my risk exposure. Surely by 2037, asset prices will be higher. To invest for someone’s future feels wonderful.

https://www.financialsamurai.com/wp-content/uploads/2017/12/Financial-Samurai-investing-Lessons-From-2017.m4a

Investors, how did your public investments treat you in 2017? For those of you who have retired or reached financial independence, how have you structured your investments so that you can sleep well at night while also benefitting from the bull market? Graphic by https://ckongsavage.com

The post Investing Lessons From A Surreal 2017 appeared first on Financial Samurai.

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