#home loan lowest roi

[srghousingfinanceblog]

In this Blog article, we will discuss the ten essential factors that every resident should keep in mind when applying for a home loan in India.

[drealty]

Drealty-Best Flats in noida extension

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[drealty736]

Best value real estate Service and ,Best home loan provider is a full-service company in Noida,

1. State Bank of India (SBI): SBI is one of the largest and most trusted banks in India. It offers home loans with competitive interest rates and flexible repayment options. SBI has branches and customer service centers in Noida, making it easily accessible for residents.

2. HDFC Ltd: HDFC Ltd is a leading housing finance company in India. It provides home loans to individuals and offers various features like attractive interest rates, flexible repayment options, and quick loan processing. HDFC Ltd has a strong presence in Noida and is known for its customer service.

3. ICICI Bank: ICICI Bank is another prominent bank in India that offers home loans. It provides a range of home loan products and services tailored to meet the requirements of different customers. ICICI Bank has branches and loan processing centers in Noida, making it convenient for borrowers.

4. Axis Bank: Axis Bank is known for its competitive interest rates and customer-friendly home loan products. It offers home loans with attractive features such as doorstep service, flexible repayment options, and quick loan approvals. Axis Bank has a presence in Noida, making it a viable option for borrowers in the area.

5. Punjab National Bank (PNB): PNB is a public sector bank in India that provides home loans to individuals. It offers housing loans with competitive interest rates, easy documentation, and personalized customer service. PNB has branches and loan centers in Noida, making it accessible to borrowers in the region.

Remember, it's essential to thoroughly research and compare the terms, interest rates, repayment options, and customer reviews of different home loan providers in Noida before making a decision. Additionally, consider consulting with a financial advisor or contacting the banks directly for the most up-to-date and accurate information.

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[prashantrathour]

HelloI hope you are doing well,My name is Prashant rathour from VEDIC AG...

[harcourtsfourseasons]

Top 5 Real Estate Strategies for Successful Property Flipping

Flipping houses can be a lucrative venture, but it requires careful planning, market knowledge, and the right strategies. If you're looking to make a profit by buying, renovating, and selling properties, here are the top five Kaiapoi real estate strategies to ensure your success in property flipping.

Research the Market Thoroughly

Before diving into a property flip, comprehensive market research is essential. Understanding the current real estate market trends can significantly influence your investment decisions.

Analyse Neighbourhoods: Focus on neighbourhoods with high demand and potential for appreciation. Look for areas with recent developments, improved amenities, and good school districts.

Study Comparable Sales (Comps): Investigate recent sales in the area to gauge pricing and the types of renovations that appeal to buyers. This helps you set a realistic budget and sale price for your flipped property.

By investing time in market research, you can identify properties that are likely to yield a good return on investment (ROI).

Budget Wisely and Stick to It

Creating a detailed budget is a crucial step in the property flipping process. Here are some tips to help you manage your finances effectively:

Estimate Renovation Costs Accurately: Get quotes from contractors and take into account the costs of materials, labour, permits, and any unexpected expenses. A common rule of thumb is to allocate an additional 10-20% of your budget for unforeseen issues.

Consider Financing Options: Determine how you will finance the flip. Options include cash purchases, conventional loans, or hard money loans. Each option has its pros and cons, so choose one that aligns with your financial situation and investment goals.

Monitor Expenses: Keep a close eye on your spending throughout the project. Use project management tools or software to track expenses, ensuring you stay within your budget.

Sticking to your budget is vital for maximising profits. Overextending yourself financially can turn a promising project into a loss.

Focus on High-Impact Renovations

When it comes to renovations, prioritise improvements that add value to the property without breaking the bank. Here are some high-impact areas to consider:

Kitchens and Bathrooms: These rooms often yield the highest return on investment. Upgrading appliances, cabinets, countertops, and fixtures can significantly enhance appeal.

Curb Appeal: First impressions matter. Invest in landscaping, fresh paint, and minor exterior repairs to create a welcoming entrance. Simple changes like a new front door or updated lighting can make a big difference.

Energy Efficiency: Buyers are increasingly interested in energy-efficient homes. Consider installing new windows, insulation, or energy-efficient appliances, which can attract eco-conscious buyers and increase your property's market value.

By concentrating on renovations that resonate with buyers, you increase your chances of a quicker sale and higher profit margins.

Build a Reliable Team

Surrounding yourself with a reliable team of Kaiapoi real estate professionals can streamline the flipping process and ensure quality results. Key team members include:

Real Estate Agent: Choose an agent experienced in your target market. They can provide valuable insights, help you find properties, and assist with pricing strategies.

Contractors: Hire reputable contractors who have a proven track record in renovations. Don’t just go for the lowest bid; quality workmanship is crucial for long-term value.

Inspectors: Invest in pre-purchase inspections to identify potential issues that could affect your budget. This will save you time and money in the long run.

A solid team can help you navigate challenges more effectively and ensure your project stays on track.

Implement Effective Marketing Strategies

Once your property is ready for sale, effective marketing is essential to attract potential buyers. Here are some strategies to consider:

Professional Photography: High-quality images can showcase the property's best features and make a lasting impression online. Invest in a professional photographer to highlight your renovations.

Staging the Home: Staging can make a significant difference in how buyers perceive the space. Consider hiring a professional stager or using your own furnishings to create an inviting atmosphere.

Utilise Online Listings and Social Media: Promote your property on popular real estate platforms and social media channels. Utilise engaging content and targeted ads to reach a wider audience.

A well-executed marketing strategy can speed up the sale process and help you achieve your desired selling price.

Final Words

Successful property flipping involves a combination of market knowledge, strategic planning, and effective execution. By researching the Kaiapoi real estate market, budgeting wisely, focusing on impactful renovations, building a reliable team, and implementing strong marketing strategies, you can maximise your profits and make the most of your real estate investments. 

As with any investment, always be prepared for challenges, and stay adaptable to market changes to ensure long-term success in property flipping.

Source By - https://tinyurl.com/yk5twur7 

[sunpowersolar]

Sunpower Solar Panels | sunpowersolarsolutions.com.au

SunPower is a solar panel leader with the highest efficiency ratings, lowest degradation and longest warranty. They also retain 88% of their power output by 40 years.

They also offer a solar loan option that is a good choice for people who want to qualify for tax incentives. They have an online tool to help you get started.

Enhanced Light Capture

Unlike traditional solar panels, which lose energy output due to heat buildup and shading, sunpower solar panels innovative design features unique metal ribbons that effectively capture and convert sunlight into electricity. This is what makes their solar panels a top choice for homeowners looking to maximize energy production with minimal impact on the roof’s aesthetics.

The company’s technology also enables the panels to produce power even when partially shaded, making them ideal for homes with limited roof space. In fact, a single panel produces more energy than three standard panels combined.

To help customers select the perfect solution for their home, SunPower offers a free virtual consultation with an agent who will ask about your energy goals and help you understand your savings and financial options. After you select your system, an installer will design the panels and install them on your roof. They’ll secure city permits and building approvals as well as enroll you in any available net metering programs.

Interdigitated Contact Technology

Sunpower solar panels feature advanced interdigitated contact technology that allows for a more streamlined cell structure. This leads to more efficient cells and a longer product lifetime.

This technology allows for more surface area on the rear side of the cell, which reduces lateral transport losses and electron recombination. It also increases efficiency potential to up to 23.4%.

While Sunpower no longer makes its own solar panels (the company split into two separate public entities in 2020), their patented IBC cells are still some of the highest performing on the market. They offer a 40-year product and power warranty.

Sunpower’s M series solar panels use Maxeon Gen 6 IBC cells to produce 440W to 445W solar panels with efficiencies up to 24.1%. These panels are more expensive than the more cost-effective Performance or P series panels, but offer an excellent ROI over the lifetime of the solar system.

Maximum Power Point Tracking

The voltage and current that a PV module generates changes with the solar irradiation and temperature. The point where the current-voltage (IV) curve reaches its maximum power output is called the MPP.

MPPT optimizes your solar panels to track the MPP, increasing energy yield. It also improves efficiency by bypassing shaded or malfunctioning cells. It also optimizes Fill Factor (FF), a measure of how well the cell converts sunlight into electricity.

Solar PV systems with microinverters under each panel or a central string inverter are able to produce more solar energy than those without them. This is because each individual panel works independently, whereas the current in a system with a central inverter passes through multiple solar panels perth in one long string.

SunPower Equinox home solar systems have integrated microinverters, which allow the system to work as a single unit. That means the entire system is designed and built by a single company to work together, so your SunPower system produces more energy throughout the day and you get more savings from your solar installation.

High Efficiency

Sunpower and many other solar retailers offer high efficiency panels but you must do your math to see if the increased savings they provide over the lifetime of your system justify the higher upfront cost. A good solar retailer will work with you to ensure your calculations are accurate and take all possible factors into consideration to get the most out of your new renewable energy system.

It is important to note that panel performance varies by season, weather conditions and location. For example, the amount of sunlight your panels receive will depend on the time of year and whether it is sunny or cloudy. Additionally, the orientation of your solar panels will determine how much sunlight they can absorb - the optimal tilt depends on your latitude and the season.

Panels are also less efficient in winter, but this is due to lower levels of direct sunlight rather than colder temperatures. In fact, a layer of snow can actually improve a solar panels production as it allows more light to penetrate the surface.

[finvest-fortune-loan-service]

Get lowest EMIs rate Home loan in Noida

Secure the lowest EMI rates on a Home loan in Noida. Enjoy competitive interest rates and flexible repayment options tailored to your budget. Apply now and turn your dream of owning a Home into reality with our trusted Home loan solutions.

Finvest Fortune offers Home loan of up to Rs. 15 crore* to the residents of Delhi. With low interest rates, minimal documentation, flexible tenor, Loan starting from 30 Lakh, flexible EMIs rate, no foreclosure charges, etc.

Any information for Loan ROI-related offer links are below, then click now immediately::

https://finvestfortune.in/home-loan-in-delhi-ncr/ Contact: +91–8882314503 Mail At: enquiry@finvestfortune.in Finvest Fortune H4/21, Bengali Colony, Mahavir Enclave Sector 1 Dwarka, New Delhi – 110045

[cashagainstproperty]

https://capified.com/loan-against-property-in-ghaziabad/

 Loan Against Property in Ghaziabad Loan Against Flat in Ghaziabad Capified

Loan Against Property in Ghaziabad

At Capified, we help you capitalize on the full potential of your property, so you can realize your personal or business goals, or even both. We offer the best services for cash\ loan against your property that can be a built-up residential or commercial property, an approved vacant land or a rental discounting of residential\commercial property, you can make use of your property to secure funds to expand your existing business or start a new venture or for other purposes. 

Loan Against Flat in Ghaziabad

Capified offers as a loan advisor that are well-versed with the norms of each institution, and will ensure that you make an informed decision that benefits you. Our facility allows you to borrow money against the security of your property in Ghaziabad. This can be used for a variety of purposes, including home improvements, debt consolidation, and education expenses. 

finance against property in ghaziabad

Capified help you to meet your short-term requirement of working capital\ Finance against property and allows you to give you a loan against your property in Ghaziabad. All the business enterprises (proprietor, partnership, companies, trust, associates) are eligible for this finance. These services are vastly well-liked among our patrons for their timely completion. Our offered service is accomplished employing the advanced techniques. 

Top Finance Against Property in ghaziabad

Capified provides property loan services for different types of residential and commercial properties. We can assist our clients in obtaining housing loans, commercial property loans, and loans against property or Mortgage loans at the most favorable terms and conditions to our clients. After thoroughly understanding your individual need, our loan advisor will help you to choose a specific product of a specific bank which enables you to meet that need, from the diverse options on our menu.

Loan Against Property Services in ghaziabad

Get the loan against property from Capified that offers a secured loan in Ghaziabad. This asset can either be an owned land, a house, or any other commercial premises. The asset remains as collateral with the lender until the entire loan against property amount is repaid. 

private financer in ghaziabad against property

Get the private financer against property in Ghaziabad from Capified that is a well-informed team, we are occupied in rendering Private Financer against property in Ghaziabad. These services are vastly well-liked among our patrons for their timely completion. Our offered service is accomplished employing the advanced techniques. 

Loan Against Property Lowest Interest Rate

Get the loan against property as a security from Capified at the lowest interest rate that it has experienced bankers. This will work with you to find the best solution for your individual situation. Contact us today to learn more about our loan against property products, best loan against property, best loan against property in various places, best loan against property with minimum ROI. 

READ MORE....Cash Against Property, Loan Against Property in Delhi, Gurgaon, Noida - Capified

[suyoggroup-blog]

We are glad to announce that We have started the booking for our ultra-luxuries project Suyog Navkaar's - KESHAR Bldg With a Special Offer on Home Loans for a limited period. Keshar presents ultra Luxurious 3 RHK flats with approx. 1512 Sqft carpet area with 20+ modern amenities like a Café Area, Mini Theatre, Deck Area, Conference Room, and Swimming Pool and many more at the Suyog Navkaar located at Shankar Seth Rd Pune.

✅ No burden of Interest on the customer for the first 18 months as this will be paid by Promoters ✅ NIL Processing Fee (till 31 Oct 2023) ✅ No Foreclosure Charges ✅ No Restrictions on Part Payment ✅ Maximum Funding ✅ Lowest ROI @ 8.50% ✅ Interest rates applied on Daily Reducing

MAHARERA REG. NO. P52100048301

Possession before December 2025

For Details : Call: 9881100025 | 9373330311 | 9372170025 | 9370260025 | 7028670025 Email Us: sales@suyoggroup.com Visit us: https://www.suyoggroup.com/keshar

[azhar777]

Best Personal loan App,Best loan App,low ROI loan APP,business loan App,Home loan App,Best loan App on google playstore

[drealty736]

Dreality-Best value real estate Service Company in Noida

Reality

When it comes to determining the "best value" in real estate services and home loan providers, it can vary depending on individual needs and preferences. However, I can provide you with some general information on finding the best options in these areas.

Best Value Real Estate Services:

Research and compare: Take the time to research different real estate agencies or agents in your area. Look for their track record, customer reviews, and the range of services they offer. Compare their fees and commission rates to ensure they provide good value for their services.

Local expertise: Choose a real estate agent or agency with strong knowledge and experience in the specific area where you are looking to buy or sell a property. Local experts can provide valuable insights into market trends, pricing, and potential investment opportunities.

Transparent communication: Look for real estate professionals who communicate clearly and honestly. They should be responsive to your queries and provide regular updates on the progress of your transaction. Transparency in pricing and fees is also important.

Negotiation skills: A good real estate agent should have strong negotiation skills to help you secure the best possible deal. This includes not only negotiating the purchase or sale price but also other aspects like repairs, contingencies, and closing costs.

Best Home Loan Providers:

Interest rates and terms: Compare the interest rates, loan terms, and repayment options offered by different lenders. Look for lenders that provide competitive rates and flexible terms that suit your financial situation.

Loan options: Consider lenders that offer a variety of loan programs to meet your specific needs. This could include fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, or other specialized loan options.

Fees and closing costs: Evaluate the fees and closing costs associated with obtaining a loan from different providers. Some lenders may have lower origination fees, processing fees, or closing costs, which can save you money in the long run.

Customer service: Look for a lender that provides excellent customer service and is responsive to your needs throughout the loan application and approval process. A reliable lender should be available to answer your questions and guide you through the process.

Reputation and reviews: Check online reviews and ratings of different lenders to gauge their reputation and customer satisfaction levels. Look for lenders with positive feedback and a strong reputation in the industry.

Remember, these are general guidelines, and it's essential to conduct thorough research and consider your specific requirements when choosing the best value real estate services and home loan provider for your needs.

[marutinandanenterprises]

HOW TO GET A BETTER INTEREST RATE ON A PERSONAL LOAN

HOW TO GET A BETTER INTEREST RATE ON A PERSONAL LOAN

Even if a bank offers you a personal loan with a low rate of interest (ROI), you may end up paying a higher interest rate at the end of the loan term.

Personal loan interest rates are typically higher than those of secured home loans and auto loans. As a result, given other constraints, the best you can do when applying for a personal loan is to try to get one with the lowest interest rate possible.

Before sanctioning a personal loan, the lender generally considers several factors, including the loan amount you have requested, your repayment capacity, and possibly the company you are working with. Here are six methods for obtaining a personal loan with a lower interest rate.

Keep a good credit score You can raise your credit score by paying off your debts on a regular basis over time. A CIBIL Score of 750 or higher increases your chances of getting a better personal loan deal.

By retaining your credit utilisation ratio (the ratio of how much credit you have currently taken divided by your total credit limit) under 30%.

Checking your credit report on a regular basis (when you make credit score enquiries with the credit bureau or online financial market place they are considered as soft enquiries and hence, do not impact the credit score).

By avoiding direct loan and credit card applications to banks and keeping a healthy credit mix of secured and unsecured loans.

You should keep an eye on your guaranteed or co-applicant loan account to ensure timely repayment, as any delay or missed payments on the part of the primary borrower can have a negative impact on both the co-signor/guarantor and the primary borrower's credit score.

Keep a good repayment history Every month, try to pay your credit card bill in full and pay off your debts. You should also pay back any previous loans' Equated Monthly Instalments (EMIs) on time. This gives you a better chance of getting another loan in the future. This is because if you have a good EMI repayment history, you will have a better chance of negotiating lower interest rates with the bank.

Compare interest rates, look out for seasonal offers Based on their personal loan eligibility and requirement, loan applicants should consider visiting www.loanmagic.in to compare and choose among various banks offering personal loans. Additionally, you must also check with your existing banks with whom you have an existing relationship as they often offer personal loans at a relatively cheaper interest rate and better service terms.

4 Check the interest calculation method It is possible that despite a bank providing you with a low-interest personal loan, you will stop paying a higher rate of interest at the end of the loan tenure. This is due to the fact that the process of calculating the total interest payable varies between banks. As a result, before taking out a personal loan, you should always understand how the interest payable is calculated.

The bank may offer you a loan with either a fixed or reduced interest rate. In the case of a flat interest rate, interest is calculated on the entire loan amount over the loan term. However, when the interest rate is reduced, the payment of interest is based on the outstanding principal, whereas EMIs continuously reduce the principal amount. As a result, taking out a personal loan with a fixed interest rate may cost you more than taking out a personal loan with a reducing interest rate.

Credibility of the Employer Employees working with reputed/blue-chip organisations, multinational companies etc. may be able to get favourable deals. This is because their organisation’s ability to provide a steady job is higher and therefore it is expected that the borrower would be more likely to have a steady income and be able to repay the loan dues on time.

Your employment history Some Bank also looks into factors like repayment capabilities, fixed income, and customer profile to arrive at the interest rates offered to borrowers. Most of the time before sanctioning the loan, the bank requires you to have an employment history of at least two years, including one year with your current employer. Lending institutions look favourably at loan seekers employed with the state or central government, PSUs or quasi-government organisations. This reflects in the interest rates offered, which may sometimes be lower in comparison to rates offered to those who aren’t government employees. “Your reputation and economic stability can also play a role in determining personal loan interest rates.

Points to note It is prudent to check what personal loan offers. Basically, one should check the service terms offered by various lenders before zeroing in on any lender. Make sure you base your decision not only on the interest rate offered but also on loan tenure, processing fee, prepayment charges, loan amount etc. The lender may not give you a good deal if you have already taken too many loans. Also, if your CIBIL score is below 700, then it can even lead to the rejection of your personal loan application.

Know more about Personal Loan visit at www.loanmagic.in

#personal loan #home loan #Businessloan #loan Magic #Loan Agent #loan Advisor 

[balajiconstruction]

How is commercial construction different from residential construction?

There is a conflict between the two types of construction—residential and commercial. Today, Balaji Construction, a low-cost construction company in Jaipur, is sharing the difference between how commercial construction is different from residential construction. 

What is residential construction?

Usually, people refer to residential construction as a place to stay and for sleeping-related purposes. But it is now categorized for multipurpose uses like flats for rent, hostels, P.G. hotels, dormitories, etc. Owners don't have to spend as much money on this type of construction as they do on commercial buildings, and they can easily get the paperwork done. If they are constructing the residential construction company in Jaipur for rental purposes, then finding tenants for the home is no longer a big deal. 

Above all, this is the best source to generate a secondary income without hustling outside a 9–5 job. 

What is commercial construction? 

Commercial construction, as the name suggests, is generally used for commercial purposes like malls, schools, hospitals, real estate properties, and MNC companies. If you plan to build a commercial construction company in Jaipur, you will make insane profits, and it will not take much longer to build than a residential building. 

Here are the following things that make commercial construction different from residential  

There are the following things that make commercial construction different from residential construction: 

1.Commercial Construction is much more expensive than residential construction due to its size, materials, expensive equipment, and purpose. 

2.Commercial construction is performed on the basis of three levels: small-scale, medium-scale, and large-scale construction in buildings and other spaces. Examples are airports, multifamily residences, skyscrapers, and roads.

3.This commercial construction is built as per the selling mindset approach for diverse business owners.  

4.Commercial buildings are typically preferred by business owners due to the potential for a high ROI in the future. 

5.In the commercial building, there could be hospitals and rental purposes for multifamily and malls. All these areas required heavy maintenance and regular look-after to maintain their durability and appearance. 

6.The commercial construction needs to be completed as soon as possible in order to make profits in advance. 

7.Commercial construction doesn’t require putting on the veil of creativity due to formal purposes. 

How do we construct the building for residential and commercial purposes at the lowest price? 

Whether you are planning a commercial or residential building in Jaipur, someone needs a commercial construction company in Jaipur that has insane years of experience to work in this industry. Magnificent skyscrapers without sacrificing quality and on a shoestring budget could be a dream, right? Well, this is no longer a dream because we have the best construction company in Jaipur that performs the construction work at the lowest price, especially in Jaipur. Balaji Construction Company in Jaipur is the best commercial and residential construction company in Jaipur. This company has over 32 years of experience and has created a benchmark of success in the pink city.

The best advantage of signing the deal with Balaji Construction is because of the following reasons - 

1.An instant loan from any bank for the construction purpose 

2.The whole construction managed at a low price, including the materials

3.Team of expert contractors, civil engineers, and labours

4.Vastu-friendly construction projects  

5.Customers can claim 1 year service guarantee 

6.Free architectural drawing for the construction project 

Renovation of buildings, property maintenance, interior designing, restoration, and any government-based building construction. Balaji Construction has expertise in all kinds of projects, and if you are looking for any of the kinds of projects we have mentioned below, now is the time to make an instant call and present your queries to let them take action towards this step. 

[tartt9]

Seeing Paddy O'Gara on a pitch is an absolute delight. Even now, as he gets older [ Jamie fears that this will be Paddy's last season on the pitch, fears that he's about to lose his closest friend, his biggest advocate, the man he's loved since he was seventeen and picking up cones on a training pitch on Etihad Campus - it scares him ] Paddy is a sight. A tall, strong centre back, one of the best of his generation. It would be fucking stupid for other centre backs to not study what Paddy's done in his time at Man City. If Isaac McAdoo hasn't watched a single set of Paddy O'Gara highlights, then he's a fool. Not that Jamie thinks that Richmond players are the best at what they do - just that they could be better. And studying City players is a good way to do that [ Jamie's only as good as he is because he trained himself incredibly hard growing up; he knew it'd be near impossible to go from a council estate to the Premier League, so he worked his arse off. He trained harder than anyone in his Academy age group, he went home and ignored schoolwork to train more, he studied Roy Kent's every play. Learning the history of the game, the legends that came before you, it's important, in Jamie's mind. Studying Paddy would just be fucking smart ].

He had missed Paddy during his loan period - desperately. He spent his Sunday afternoons alone [ especially after he and Keeley broke up ] pouring over match film, trying to hear Paddy's voice telling him what he'd done well, what he could've done better. Since Jamie was seventeen, he's truly taken Paddy's word as law when it comes to football and strategy. He has a feeling that every minute of playtime he's gotten at City has come off of the tongue of Paddy, with the additional context that Jamie is the hometown kid, the Academy lad that City raised up, trained up into the man he is today. You need a champion in a club like City, where every single player is of an extremely high caliber. And Jamie's fucking lucky that he's got Paddy O'Gara as his. Of course, Pep cares for him deeply, as well - the way Pep cares for every single one of his players - but caring for him and championing him on and off the pitch are two very different things. Jamie's never found himself on Pep's doorstep late at night, bloodied, bruised, needing help. Paddy has seen him at his lowest. He just wishes he could've had a hug from Paddy when Jamie led Richmond to a 3-1 victory over Crystal Palace, or a hard-fought 1-1 draw against Burnley. He's glad they're back together now. Jamie is truly at his best when he has Paddy at his side.

I think it's the best I've ever seen you play. "Y'really think so...?" Jamie asks, his voice soft - much softer than what is characteristic for Jamie fucking Tartt. Paddy's voice is louder than James' in his mind. Even if only because Paddy genuinely knows the game. Paddy knows what it's like to play, he knows the strategy required on a pitch, knows how to manage a 90 minute match, knows what it's like to be breathing from exhaustion but being so fucking delighted that you're playing the game you love. He knows what the coaches are saying in the dressing rooms or on the sidelines. James Tartt likes to pretend like he knows. He likes to think that, because he's spent over forty years watching footy, he knows footy. But James has never played, not at a level nearly as close to Jamie. He was never an Academy boy, never felt the pressure of growing up knowing you could be cut at any time, that you had to be the best from the age of nine all the way through your Premier League debut, and that you could only get better after that - no stagnation, no getting worse to get better. Only harder, faster, stronger. Jamie curls 40 kilos, for fuck's sake, Jamie doubts that James could even pick up a 40 kilo weight. But Paddy knows. Paddy has been in dressing rooms for longer than Jamie's been alive. Paddy knows what it's like to learn from your coaches, to do as they're told - make the extra pass, drop back to defence, move up to forward, Jamie has touched almost every inch of a pitch under Pep - total football is a beautiful style of play. And Jamie likes to think that he's good at it. "Okay - okay, yeah, okay," he agrees, nodding. It's been so long since he's sat down with Paddy to watch game film. But it's always helped him improve his game, and he's missed it - desperately. Even if he'll have to see Roy Kent ruining his knee for the rest of his life again. Even if he'll have to watch as Richmond runs an absolutely ridiculous trick play that led to a goal because City had no clue how to defend it. He'll still get to curl up to Paddy's side, rest his head on the older man's shoulder, or in his lap, and listen to his commentary about what Jamie had done well, what he could have done better - because there's always better, even when Jamie's played the best match Paddy's ever seen him play.

But James' voice will always be stronger, in his head. No matter how loud Paddy's is, no matter how much he loves that smooth, soft Irish accent, it will always be beat out by the angry Mancunian one, the one that added violence into the mix to make sure that the words stayed put.

Jamie drops his head back to his food when Paddy breaks eye contact. He runs his tongue over his lips, finally reaching for one of his chips. "Yes, Coach," he teases, nudging Paddy's foot with his own again. It's intimacy, in a way, what he and Paddy share. Jamie has never felt anything like this with anyone he's ever played with before. The time and effort Paddy's put into making Jamie better... it's love. Jamie know it is. And Jamie doesn't know how he'll ever be able to repay him. Maybe he'd find Paddy's old kit from the Euros in 2012. It'd be fucking expensive, but a worthy gift, in Jamie's mind. God, Paddy was going to retire, and Jamie's going to be alone, and - retirement isn't death, Jamie has to remind himself. Even if Paddy moves back to Ireland [ which he fucking should, that's where his family is, even if he's lived in Manchester for his whole career ], Paddy won't be dead. Jamie can still call him on Sundays, ask if he's seen the match, text him, talk to him. And it'll be fine. Because, by next season, Jamie will be solidified in City's starting XI. He'll be achieving what he'd been meant to achieve since he got his call up. He'll be the hometown lad, his face on billboards across Manchester. He'll be fucking great. "This's really good," he says with his mouth full, gesturing to his plate with a chip in his hand. "Thank you, Paddy... happy... 2020 season. We're gonna win the whole fucking thing."

pádraig.    jamie  is  the  only  one  who  gets  away  with  it,  really,  unless  you  count  in  paddy’s  mother.    he  cannot  help  but  smile  slightly,  but  with  much  fondness.    it  feels  weird  to  remember  the  times  when  paddy  played  at  manchester  city  without  jamie  devotedly  by  his  side.    even  paddy  sometimes  forgets  that  he  was  once  like  jamie  too    –    except  he  enjoyed  no  one’s  protection  on  the  pitch  and  inside  of  the  dressing  room,  and  it’s  those  feelings,  however  repressed,  that  had  made  him  stop  after  training  and  help  jamie,  then  no  older  then  seventeen,  pick  up  the  cones.    paddy  had  done  it  in  a  very  paddy  way,  wordlessly  and  with  no  patience  for  a  stumbling  thank  you,   but  he’d  taken  the  time  to  stay  behind  and  help  nonetheless.    from  that  moment  on  paddy  made  sure  he  was  always  by  jamie’s  side    –    it’s  a  common  misconception  that  it’s  jamie  that’s  by  his  side  and  no  the  other  way  around.    paddy  would  stand  up  whenever  the  locker  room  bullying  reached  his  ears.    paddy  would  advocate  to  get  jamie  more  time  on  the  pitch.    paddy  would  take  time  out  of  his  day  off  to  tell  jamie  exactly  how  he’d  played,  what  was  good  and  what  to  avoid  next  time.    paddy  would  demand  to  speak  with  pep  as  soon  as  he  became  manchester  city’s  trainer  and  praise  the  young,  underused  talent  that  was  jamie  tartt.    not  that  he’d  needed  to,  in  the  end,  but  it  did  create  the  silent  understanding  amongst  the  men  that  jamie  is  to  be  a  priority.

and  my  god    –    what  a  delight  it  has  been!    jamie  had  returned  from  richmond  as  a  man  changed,  although  the  changes  had  been  subtle  and  hidden  away  at  first.    but  paddy  had  seen  it,  rustling  restlessly  underneath  the  disappointment  and  resentment.    something  he’d  been  waiting  for.    a  person  he  knew  jamie  was  always  able  to  be,  if  only  he  had  the  chance  to  grow  and  prosper  around  the  right  people,  with  the  right  environment.    paddy  and  pep  alone  weren’t  enough.    jamie  had  needed  a  club  like  richmond  to  find  out  what  he  could  be,  and  it  hurt  paddy  to  think  it  turned  out  to  become  just  another  disappointment.    he  could  only  hope  jamie  could  find  a  way  to  take  what  he’d  learned  at  richmond  and  hold  onto  it  without  the  anger  of  how  it  ended…  and  then  jamie  had  made  the  pass  to  hendrick,  and  paddy  had  hopes  that  jamie  would  be  okay.

“ i  think  it’s  the  best  i’ve  ever  seen  you  play. ”    high  praise  from  paddy  o’gara.    he  looks  at  jamie,  the  concern  he  feels  leaking  into  his  features.    there’s  nothing  but  sincerity  in  his  voice,  he  even  nudges  his  foot  again’s  jamie’s    –    but  will  it  be  enough  to  convince  jamie?    is  paddy  strong  enough  to  overpower  the  big,  bad  wolf  whose  shadow  still  hovers  over  his  shoulder?    he  can  see  jamie’s  doubt  in  the  unkept  hair,  the  slump  in  his  shoulders,  how  his  fries  remained  untouched  while  they  would’ve  already  been  gone  otherwise.    “ we’ll  watch  the  game  together  later. ”    paddy  is  brought  back  to  the  many  sunday  brunches  they’d  shared,  nothing  but  good  food  and  cheer  between  them,  paddy  pausing  the  game  to  share  some  of  his  hard-earned  wisdom  with  an  eager  jamie.    sometimes,  like  this  moment,  something  knots  itself  uncomfortably  tight  in  his  throat  when  he  remembers.    although  paddy  knew  things  weren’t  good  for  jamie  back  then    –    the  young  talent  lacking  the  chances  and  resources  and  support  to  become  the  legend  he  could  be,  much  to  paddy’s  and  later  pep’s  regret    –    paddy  couldn’t  help  remember  those  sunday  noons  as…  perhaps  not  simpler  times,  but  something  better  than  what  was  going  on  right  know;  something  softer  than  all  the  things  that  had  happened  to  him  that  paddy  wasn’t  able  to  protect  him  from.    as  long  as  he  allowed  himself  to  look  back  at  jamie’s  beginner  years  at  manchester  city  within  the  bounds  of  those  sunday  noons,  paddy  could  imagine  jamie  to  be  happy,  and  paddy  had  contributed  to  that  happiness.    it’s  that  thought,  the  idea  that  maybe,  hopefully,  he’d  made  those  years  a  bit  more  bearable  for  jamie  that  get  to  him.    he  finally  breaks  the  eye  contact  and  looks  away,  swallowing  down  some  of  his  food  without  really  tasting  it.    he’s  not  one  to  cry  easily,  but  the  twitch  of  his  jaw  comes  close  enough.

a  silence  falls  between  them,  heavy  with  jamie’s  troubles  and  paddy’s  worries.    “ eat  your  food,  jamie ” ,  paddy  eventually  breaks  through  the  stuffiness  in  the  air,  “ it’s  good  for  the  soul. ”    he  takes  the  salt  and  sprinkles  some  extra  onto  jamie’s  fries  for  good  measure.    an  encouragement.    please  eat.    feel  better.    i’m  here.    i’ll  always  be  here.    jaw  still  clenched,  paddy’s  defense  against  any  emotion  more  meaningful  than  anger,  paddy  concentrates  on  his  own  plate  again.

[garagedoorrepairaustinstuff-blog]

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