#if i can get my out of pocket payment down to like. 2000 or less. (emphasis on the Or Less.) then i can actually manage that probably

[prophecyofgray]

got into a study abroad program for this spring..... not entirely sure if i can make it happen financially but i am sure going to try

[prorevenge]

Treat me like a doormat? Now you won't need one.

As a little bit of context my father is a downright disgusting person and always has been. He's emotionally abusive and has, on a handful of occasions, crossed the line into physically abuse against me, my mother and my sisters as well. The way he treats people has left him with very little family that will even give him the time of day and no friends to speak of. I can't understand the thought process that goes on in his mind but somehow he's even managed to perform the mental gymnastics needed to convince himself that everyone else around him is unreasonable and that his terrible circumstances in life are the fault of everyone but himself (quite the feat for a man who is easily 200lbs overweight.) He's also self employed and would only ever work exactly enough hours to barely scrape by with just enough money left over to afford alcohol, (which he refuses to cut down on despite having a clear drinking problem.) Essentially he lives month-to-month despite not having to and has a pretty clear track record of being reckless with his money. This is important later, I promise.

My revenge comes in two different flavours; passive aggressive vanilla and fuck you chocolate. The vanilla revenge first.

A little over two years ago I worked for a company that went into administration and shut down unexpectedly. During that time I was still living with my father and paying the brunt of our household bills. I actually wasn't too badly affected by the company shutting down as in an effort to start earning extra money to put down a deposit on a place of my own far away from this sad excuse for a human being I'd been putting my art school training to good use and was taking on commission work in the evenings after coming home from my 9 to 5. I'd cultivated a pretty sizeable following by the time I lost my day job and had a pool of regular clients who paid reasonably well. The extra forty hours a week to work on these projects actually meant I was just about breaking even with the money I used to make at my old job if not actually coming out somewhat ahead, but my father didn't know that. He made it very clear what he thought about my attending art school while I was there so I refused to even utter a breath about it from that point onwards.

Begin stage one.

My father finds out that my company liquidated and before I can tell him not to worry and that I can still cover my end of the bills he tells me to sign up for benefits so I can continue paying some sort of reduced rent to him and in that moment a rather evil idea takes root in my mind. I pretend to agree with him and nod along continuing to keep my side job a secret for almost a year while keeping up this charade of being on benefits. I watch him struggle more and more to keep up with rent payments as time goes on, due exclusively to his refusal to simply work more than 20 hours a week. He's keeping himself above water at this point but only barely and he knows that he can't reasonably expect more money from me as I am after all “unemployed” and struggling to find work. At first this is satisfying and my deposit money grows faster now that I'm not paying him close to as much as I was before for the privilege of being his personal doormat. I am fucking him over, but he doesn't actually know it. Not yet anyway.

Begin phase two. Fuck you chocolate.

Almost a year to the day into my “unemployment” I suddenly land a new and better paying job than my old one, (which is actually just me going out into a coffee shop for 8 hours each day with my cintique companion to work there instead of at home. Somehow me having a $2000 tablet that I didn't have a few months ago didn't tip him off that I was lying to his face. He never was very bright.) I've now got my full deposit saved with spare change for some basic furniture and I start hunting for an apartment. I find one, sort out all of the paperwork, put down a deposit and begin prepping the place for a quick getaway. In the three months that follow I start paying the lions share of the rent again and in fact cover ALL of our expenses except for his food and alcohol. I reason to him that since he supported me for so long it's only fair for me to make it up by paying more now. He beams happily when I say that and his abuse of me actually stops for a couple of days. I'm out of pocket quite a bit for this plan to work, but I keep telling myself it'll all be worth it.

My revenge was almost abandoned on several occasions, the whole time I was staying there after getting my apartment set up he was still being disrespectful; treating me less like a person and more like something unpleasant he stepped in. I almost just left multiple times, knowing that I had somewhere better to go at that point. I stuck it out though, just long enough for him to become dependant on the money I was giving him. He's going to work less and less often at this point, getting comfortable with the routine of me just having the money there, ready and waiting for him when he asks me for it and on the third month I finally strike while the iron is hot. He asks me for the money the day before our rent and other bills are due out of his account with the intention of going out to deposit everything for payment that morning, and with a feeling of utter satisfaction I haven't experienced before or since I simply plaster a big smile on my face and say “Sorry. No can do. I don't live here anymore”.

I wish I had a longer exchange to give you guys here, but I really don't. My plan from the beginning had always been to simply walk out at the last second leaving him high and dry and that's exactly what I did. He did manage to yell at me to tell me to stop being an asshole and give him his money because he needed it “right now” to which I responded “Well, that's a bummer” as I walked out the front door and out of his life.

He didn't follow me, make a scene or anything like that, (as much as I wish he had) and I just headed to the train station, went to my new apartment and settled in for my first night of genuine freedom in years.

I don't know what happened to him after that and honestly I don't really care. It's been about nine months and I know he lost the house, but other than that I can't say what happened. Honestly, I hope he's rotting in a ditch somewhere.

Moral of the story: Don't treat me and my family like garbage for years and then kill my fucking cat expecting to get away with it scot-free.

(source) story by (/u/throwitallaway123789)

[sverigjerik23-blog]

I need to get good insurance for my SLR?

I need to get good insurance for my SLR?

I have a Canon EOS 450D SLR camera and I would like to get it insured. It s not a really expensive model compared to a lot of the stuff that s out there but i would still be GUTTED to lose it and wouldn t be able to replace it overnight. Can anyone recommend a good insurance company? I need to cover against accidental damage and loss/ theft and i also need the insurance to cover the camera when I am overseas. Any advice would be much appreciated!!! The camera with its lens and flash is worth around 700 xx

BEST ANSWER: Try this site where you can compare free quotesINSUREFOREVERYBODY.INFO

SOURCES:

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[asklynden]

My dad is abusing me part 4

I can’t hardly believe what’s happened in recent events. My dad phoned me, so naturally I pretended to not be here and did not asnwer. He then sent me a txt message asking me to come over so I could sort out my suit. A suit for what? He’d decided I was going to his wedding as an usher. Didn’t even ask first. And he knows I have speaking problems so, an usher? Is he senile already??

Anyway I told him no, I told my sister too who was nosey enough to ask. I told me sis I couldnt go because I am an alcoholic. I’m not, but it felt like a good reason. I couldnt do that with my dad, giving him something to lecture me about? No thanks. So I just said I’d considered it and it wouldn’t work out.

Then my youngest bro who lives with my dad begins chatting with me. We talk and he’s doing well. The wedding comes up and we talk about it. I eventually bring up some issues I have, like how my partner is never invited, which kinda seems like there’s some prejudice going on. Apparantly my dad is just dum and thought my partner was just “a friend”. It doesn’t help that it’s not easy to explain my relationship with them. But we’re family without a doubt, and I love the heck out of them. But that’s enough about that, this post is meant to be about bad people, so back to my dad...

He started to seem less bad, and more stupid as things went along. Eventually the main topic came up. My dad owes me £3000. He’s got spending problems, so even though he has a very good job, he never has any money. I am the opposite of him in so many ways. I’d get money in a card from my grandparents to spend on what I want for my birthday and such. I never spent that money. I saved it. I was a very boring child. I then got a job at an Amazon warehouse. And yes it’s as bad as the rumors say. But not the first week. That first week they make it so easy that it’s actually fun. Then they make it harder and harder until it’s not doable anymore... Yeah you can just look up other people’s stories on that. It was hell. And deserves it’s own post. My dad is only relevant to the day I got fired.

That story, to keep it short went like this: I called in sick, because, I was sick. At about noon I got up out of bed to have something to eat and drink, and felt a bit better. My dad sees me and forces me into the car and drives me to my workplace. I don’t have a choice. I get in and walk right into my boss. I have never forgotten the look he gave me. “So you think you can just come and go when you want do you?” he asked me. What kind of person calls in sick and then shows up late instead? It looked to him like I just didn’t want to go in so early. It was because of that moment that my scanner never got upgraded like everyone elses did. I was told not to worry about the extra training session. I didn’t realise how clear it was at the time that this was the moment they decided to fire me. They gave me only a week after that day i think to keep working, all the while talking bad about my performance and how I needed to improve or else.

Sorry for that detour, but my dad got me fired from that job. And he’s never once helped me get a job before or since. But I had earned myself a nice amount of cash over these years. I earned a nice sum. My dad had many moments where he struggled. But I knew he was a bad spending since he bankrupt us back when he was living with my mum. It was cars that did it.

I don’t think he ever asked me for money. Instead it was just an “I’m sorry”. Naturally I said “I can lend you some money”. I don’t know if i fell for the bait, or if he really didn’t expect this. But I lent him money, and he promised he would pay me back. He was very grateful and aksed that I not tell anyone about this, since he’d feel so ashamed to have to borrow from his son. So, I kept it secret.

As time went on more things happened. His car had troubles and needed to be fixed, so I lent more. He couldnt pay the phone bill, so I lent more. He needed eggs for dinner, so I went out and paid for them. With the food I was always the one he sent to go buy it, and I’d often pay for it too, but he was meant to pay me back whatever it ended up being afterwords. I wrote this amount down, and I didn’t mind if a few were forgotten or he didn’t have the money at the time. I just kept the recipt for next time. These began to build up really badly. And before I knew it, he owed me over £3000. He never paid any of it back. Not until I moved out and tried to get him to.

So after I did leave, something I got no help with from him, because... Well I did it in secret. I saw a chance to get away from him and took it. Thank GOD I did. I was deeply depressed and my dad was against me taking anti-depressants. I was already on some, but had been calling them sleeping tablets to stop him from getting angry. Technically, they do make you drowsy, so it wasn’t quite a lie. But they did nothing for my depression. Which was at it’s breaking point. I moved out to a place only 10 minutes drive away. I regret being so scared to move further away. But this was my first time on my own. And I’ve got a few difficulties too that made it scarier.

During this time I struggled with rent far worse than i imagined. I asked my dad to help and he’d pull out £20 or one time £80 to help. I got whatever was in his pocket. And then one month he says “Don’t ask me for anymore money, not until October. I have it already all tied up in other things, sorry.” and so I stopped asked. October came, which was 4 months or more from then. And I forgot totally at this point to bring it up again. And so for another year I didn’t ask. And then another year. And in all that time he never once offered to pay me back. Never since this payment began growing did he ever offer to pay me back. He did offer to take me on holiday and said I could go for free, but, he’d not owe me anything anymore. It was a tempting deal, but I didn’t really like France that much. I said no.

Time went on and I heard abotu him going on holiday more and more, and buying new things, more cars. He had money to spare afterall, but still offered me nothing. Eventually our landlord decided to raise our rent by £100 a month. We were already overpaying for that crappy little place, and it wasn’t a case of “should we?” but “can we?”. And we could not. Oh “we” by the way is my roomate. The “partner” I mentioned earlier. So we had to move, and found a place 2/3 the cost and 3/2 the size much further away. It was a fantastic deal and we moved in.

My dad helped us move, by costing us around £1000. Because he did things cheaply, and told us to do things we werent allowed to do and got us fined. That needs it’s own post too. The damage he cause us is not something I added to the amount he owes though. I chose to just, not bring up that day at all.

So in our new place, doing well. Months of joy, when finally our old landlord tells us he’s not giving us our deposit back, but he also wants MORE money for damages. I didn’t even know this was legal to do. He took the deposit, and then a second amount the same. My mum had to come in and haggle for us because we were pretty much in tears over this. She saved us, and paid a lot of it for me. She expected my dad to do the same and save me, because this shock cost came out of nowhere and we were not ready. I dont have the amount on hand, but I recall I had to pay £800 myself, my mum paying more than that. £1500? £2000?

Anyway I ask my dad. Not to pay back what he owes, but to save me from seriously legal troubles. He did not help.

Over the next YEAR I was able to pay my mum back all that I owed her for bailing me out. And now I’m back on my feet, and could survive a shock payment if one somehow appeared. But I think I’m safe from that happening again. I hadn’t even thought about the money my dad owes me for ages now.

But this wedding, and talking to my little bro (yes finally back to the original topic) it came up. And my bro was like “Oh well I can talk to him and get that sorted. I was chuffed and said I’d go to the wedding. My dad is honestly fun to be around when it comes to parties. Well, as long as he’s not sober to be more precise. He was sober at one party, and was a huge killjoy. But it’s his wedding, he’s not gonna be a downer there! I was getting excited to see my whole family there, and have a great time and-

“Oh hey, your dad says he doesnt owe you that anymore.” What? Yeah what I got was a big load of messages from my bro telling me my dad didn’t think he owed me anymore because of things he’d done for me previously. Like some early holidays we went on. He also claimed to have “helped with rent” which was a very confusing thing to read. As if he was doing it periodically instead of the 3 times he did it.

Sadly this got me into venting a bit at how unreasonable it all was. I lost my cool. But I dont regret what i said. I imagined he’d go back and tell my dad and it’d get straightened out. I explained he did not help with rent nor did I owe him for any holidays, since the one time he asked me to pay, I declined.

I get a reply, my bro calls me entitled. Says so what if I paid for food and phone I used that stuff so I should pay for it. I’m in disbelief. He’s my dad, he provides for me. Besides you don’t tell someone afterwords “Oh you have to pay for those years of me helping you out”. That’s what pimps do. Other people probably do that too but I only saw it with pimps in the shows I watch.

So more ranting back that this was nuts, and that I just want my money back. I also lay into my dad’s spending habits, how he always has cash to burn, but never any for me. Fuck sake this wedding he’s having is costing him a hell of a lot more than £3000! Sadly this stuff I tell him is what he focuses on, saying my dad isn’t a bad spender cause he always buys cheap... yeah don’t I know it. Every birthday and Christmas I get a foreign or second hand phone or computer that breaks not long after. He’s a computer.. something. He gets this stuff dirt cheap thanks to his job. I couldnt really argue againt my bro there, but no way is that a positive.

But in al lthis arguing, it’s clear that my little bro has some bizarre ideas in his head if he thinks you can wave away owed money by being nice enough to someone. And he thinks me living with my dad is him being nice. But uh, that’s called being a parent, and it’s require by law. I wasn’t some friend staying there, I wasn’t a roomate. I was living in my dad’s house as his son. Jesus my lil bro is meant to be smart but what a fucking... Oh. He’s paying rent and food costs and all sorts. My dad’s gotten him paying for everything. He actually thinks this is normal. There is no low my dad wont sink to.

I can’t be mad at my bro, but it’s clear now that my dad plans on not paying me back. That’s theft. So, what should I do? I don’t want revenge, I don’t want to cost him anything, and I don’t want to take this to court because I know that could cost me. I’ll give it more time. But I hope he looks at my empty chair whilst he’s getting married and knows this is his fault I’m not there.

[giancarlonicoli]

An exclusive excerpt from Scott Galloway’s new book, ‘Post Corona’

The logical alternative to capitalism is socialism, and on its face, there is a lot to like. Socialism is rooted in altruism and humanism; it seeks to build up community rather than the atomized individual. These are noble goals. But the sacrifice in productivity is immense, especially with the compounding effects of time. Capitalism creates dramatically many more spoils, so any of those noble goals have more to work with.

The toxic cocktail, however, is to combine the worst of both systems. For the last 40 years, we’ve been doing this in the United States. We have capitalism on the way up. If you can create value in this country, you can be rewarded with spoils vastly beyond anything comparable in history. If you can’t create value — if you’re born into the wrong family or you catch a bad break — you’ll likely live on the edge and pay dearly for your mistakes. A Hunger Games economy.

Should you reach the heights of wealth (or more likely, be born into them), circumstances change. Despite our rhetoric about personal responsibility and freedom, we’ve embraced socialism — at the top and on the way down. We don’t tolerate failure here in our socialist paradise. Rather than let companies fail — a defining and essential feature of capitalism — we have bailouts. But bailouts are hate crimes against future generations, sticking our children and grandchildren with the resulting debt.

Crisis after crisis, our rationales vary: After 9/11 it was national security. In 2008 it was liquidity, and in 2020 it was protecting the vulnerable. But our response is always the same. Protect the shareholder class, protect the executive class. Keep these firms on life support so their owners and managers don’t suffer. Pay for it with debt, a burden to be borne by middle-class taxpayers and, ultimately, by our children. However, history tells us, nearly every bailout, whether it’s Chrysler or Long-Term Capital Management, only creates a moral hazard that results in a bigger failure and a more costly bailout. Every time, we’re told “this is different, historic, and requires intervention” and that taxpayers should bail out shareholders.

Corporations are simply abstractions. They feed nobody, house nobody, educate nobody.

But so too is an 11-year bull market a historical event. That was the unique event that accrued unprecedented wealth to a fraction of the population. And the corporations that benefited didn’t save for a rainy day — which always comes — or pay it out to their workers so they could build up a protective cushion of wealth, or invest in capital projects that would grow the economy. Instead, they poured it into dividends and stock buybacks, juicing executive compensation (from 2017 to 2019 the CEOs of Delta, American, United, and Carnival Cruises earned over $150 million in total compensation) and shareholder returns. Since 2000, U.S. airlines have declared bankruptcy 66 times. Despite the obvious vulnerability of the sector, boards and CEOs of the six largest airlines have spent 96% of their free cash flow on share buybacks. That bolstered the share price and compensation of management but left these companies dangerously exposed to a crisis.

Now that the crisis is upon us, this small population of rich people has found socialism, and they have their hand out. That hand should go back in their damn pocket.

The virtues of failure

Failure, and its consequences, is a necessary part of the system. Economic dislocation and crises have real costs, but they are also opportunities for renewal. Old relationships are severed, assets are freed up, and innovation demanded. A forest fire brings life as it destroys — so too, economic upheavals create light and air for innovation to flourish. The 1918 influenza epidemic was devastating, but it was followed by the Roaring ’20s. The strongest businesses are those that are started in lean times. Wages rise after disruptions like pandemics — if the natural cycles of disruption and renewal are allowed to function.

We’ve let ourselves confuse corporations with the things they own and the people they employ. Corporations are simply abstractions. They feed nobody, house nobody, educate nobody. When a corporation fails, those who have risked their capital to support it lose their investment, but the workers are still capable of work, the assets remain available, and whatever need the corporation was filling remains.

Letting firms fail and share prices fall to their market level also provides younger generations with the same opportunities we, Gen X and boomers, were given: a chance to buy Amazon at 50 (vs. 100) times earnings and Brooklyn real estate at $300 (vs. $1,500) per square foot. As Thomas Piketty has pointed out, the high growth recoveries that follow economic shocks are periods of real wage growth, whereas slow and steady growth tends to favor the wealthy.

Once the government gets into the business of propping up the losers, you can predict who will be first in line for the handouts: the people with the most political power — corporations and rich people. It’s not just a matter of their lobbyists and their lawyers and their press flacks, though that’s a big leg up. There’s also something more insidious: cronyism.

Cronies gonna crony

The federal government’s response to the pandemic has been true to form. Under the cloud cover of “protecting the most vulnerable,” we’ve handed trillions of dollars to the most powerful.

The only bipartisan action is reckless spending that benefits rich people while throwing some funds at the neediest for optics.

The $2 trillion relief package passed in March 2020 was a theft from future generations. Personal income was 7.3% higher in Q2 versus Q1 of 2020 because of stimulus payments and extra unemployment benefits. The personal savings rate hit a historic 33% in April, the highest by far since the department started tracking in the 1960s. The relief package included a $90 billion tax cut that benefited almost exclusively people making over $1 million per year. The richer you were, the more you gained. At the beginning of August, U.S. billionaires had increased their wealth by a total of $637 billion. It appears, as has been the case for decades, that the only bipartisan action is reckless spending that benefits rich people while throwing some funds at the neediest for optics.

Not every dollar will be wasted. Maybe a third of it will go to the needy. But the majority of the money we are asking our children to repay has done nothing but flatten the curve for rich people. Rich people have registered disproportionate benefit, their preexisting relationships with banks getting them to the front of the line. Look no further than the refusal of the administration to reveal who is getting the money — until after the election, of course.

Instead of letting market failures play out, we propped up the shareholder class using money stolen from the next generation. “We’re all in this together,” they tell us. Bullshit. The really ugly truth is this: For the wealthy, the pandemic means less commuting and emissions, more time with family, and more wealth, with markets at all-time highs.

Cronyism and inequality

The obscene $2.2 trillion Covid relief package was just a symptom of our cronyism. The systemic flaw is that our government is no longer keeping capitalism’s winners in check. Instead, it’s a co-conspirator in their entrenchment.

The wealthy have done well over the past few decades, in a supernova kind of way. A ton has been written on this because the data is abundant. There is shocking data at the extremes: The top 0.1% now own more of the nation’s wealth than the bottom 80%. The three richest Americans hold more wealth than the bottom 50%. And there is bad news in broad strokes as well: Since 1983, the share of national wealth owned by lower- and middle-income families has declined from 39% of the pie to 21%, while upper-income families have increased their share of national wealth from 60% to 79%.

No entrepreneur starts, or doesn’t start, a business because of the tax code.

For purposes of self-preservation, you’d think the rich would be concerned with this level of income inequality. At some point, the bottom half of the globe by income realizes they can double their wealth by taking the wealth of the richest eight families, who have more money than 3.6 billion people. Here in the U.S., the bottom 25% of households (31 million families) have a median net worth of $200. Most recently, a group of protesters built a guillotine outside the Manhattan home of Jeff Bezos to commemorate his wealth passing $200 billion.

This trend is only getting worse. Once, we elected leaders who cut the tops of trees to ensure saplings get sunlight. Today there is less and less sunlight. A recent study of historical tax-return data concluded that the uber-wealthy paid a tax rate of 70% in the ’50s, 47% in the ’80s, and 23% at present — a lower tax rate than the middle class. Whereas poor and middle-class tax rates have largely stayed the same.

My own experience provides a case study in how the wealthy lock in their gains. When I sold my last company, L2, in 2017, I paid an effective tax rate of 17%–18%. I paid 22.8% federal, but the first $10 million were tax-free, thanks to Section 1202 of the tax code. Section 1202 is a tax break for early shareholders, meant to encourage startups. Only it’s nothing but a transfer of wealth from other taxpayers to venture capitalists and founders. No entrepreneur starts, or doesn’t start, a business because of the tax code. It takes a special kind of crazy to start a company and a lot of talent, work, and luck to build it to be something you can sell for millions of dollars. The decision has nothing to do with the tax code. Tax breaks for the successful are just another way we deepen inequality.

Once people make the jump to lightspeed, advantages like this let them pull away. Access to more resources, investment opportunities, lower taxes, tax specialists, political contacts, friends who can help your kid get into school, and the wheel spins. It’s never been easier to become a billionaire, or harder to become a millionaire.

[anewpoliticalspin]

A progressive case against the Earned Income Credit

Why it’s deeply ineffective, and we can find better ways of increasing earnings

The Earned Income Credit provides a yearly supplement to workers earning fairly low wages-and is distributed based on earnings and number of children claimed on a tax return.

However the Earned Income Credit makes us have to pay for something that frankly we shouldn’t have to-employers should, or it’s being put in all the wrong places.

It’s a credit that first gets rid of your tax liability-fair enough for low income earners, in my book-but then goes much farther and gives them an extra credit that isn’t returned income. It actually adds a good deal of money to the return-in amounts in the thousands after tax liability is erased, which I’ll get to. It also is combined with the Child Tax Credit, which is now refundable, and used to be combined with the non-refundable Child Tax Credit and refundable Additional Child Tax Credit, which can add a thousand or so more depending on the number of children. Refundable means after tax liability erased, given in a refund. Why these high amounts? The ostensible purpose is to give these people an amount deeply needed by them, as it goes mostly to low earning single mothers-as you will receive much more if unmarried and with at least one dependent. I’ll show you by example how much these refund amounts end up being (after tax liability is erased).

First, the 2020 Earned Income Credit Tables. Remember that this is on top of the Child Tax Credit, which is now 2000 per child, and had been 1000 per child before the sweeping tax reform passed (source here):

The maximum amount of credit for Tax Year 2020 is:

$6,660 with three or more qualifying children $5,920 with two qualifying children $3,584 with one qualifying child $538 with no qualifying children.

I’m going to figure out a tax refund for someone earning $20,000 in tax year 2020, since that is roughly what someone who makes $10 per hour earns, around what many of the working class mothers earn, and close to the amount that earns the maximum amount of credit (which goes up and down by income level in a bell curve). This is for a Head of Household filer, which requires providing support for at least one child, and I’m going to do this for one, two, and three children, to see the difference in amounts by dependents. This will be for someone with zero withholdings to show the amount given that is not what had been paid into, and since someone at this income level with dependents would be able to not have withholdings with careful tax planning, even if many do have withholding. The tax calculator I used can be found here.

For one child: 

Total Tax Before Credits:$138 

-$138 in non-refundable Child Tax Credit

-$1,400 in  Additional child tax credit

- $3,410 in Earned income credit (EIC) = $4,810 total refund, total given that is not paycheck withholdings given back

For two children:

Total Tax Before Credits:$138

-$138 in non-refundable Child Tax Credit

-$2,625 in  Additional child tax credit

- $5,427 in Earned income credit (EIC) = $8,052 total refund

For three children:

Total Tax Before Credits:$138

-$138 in non-refundable Child Tax Credit

-$2,625 in  Additional child tax credit

- $6,141 in Earned income credit (EIC)

= $8,766 total refund

Mind you, the EIC has been around for a long time, and used to be a somewhat significantly less amount due to a sweeping tax reform a few years ago that was passed effective for the 2018 tax year which significantly reduced tax liability. It did this by eliminating personal exemptions, doubling the standard deduction, reducing tax rates overall, and doubling the Child Tax Credit. I worked in a tax office inputting returns myself for a whole season, so I’m familiar with this, and here is a source for this information.

Here were the 2017 Maximum EIC amounts:

The maximum amount of credit for Tax Year 2017 is:

$6,318 with three or more qualifying children

$5,616 with two qualifying children

$3,400 with one qualifying child

$510 with no qualifying children

Here is a quick show of what these amounts would have been for a 2017 return:

For one child: $660 liability - $3131 EIC (no additional child tax credit) = $2,741 refund

For two children: $255 liability - $5,261 EIC = $5,006 refund

For three children: $0 liability - $5,963 EIC = $ 5,963 refund

In spite of it’s original purpose, the Earned Income Credit, frankly can sometimes be a huge, unneeded handout since it’s done on a one-size fits all basis. When it goes to the truly disadvantaged, I wouldn’t exactly call it a handout, however, that may not always be the case. It goes to people who earn below a certain income level regardless of individual circumstance. Regardless of cost of living, circumstances you might not see on a tax return (living with parents rent free, living with a partner not married to for tax purposes, living enough roommates to have a low cost of rent), underreported earnings from self-employment, or government benefits received, since Food Stamps, TANF, and the like aren’t reported on a tax return (unemployment insurance is the only benefit that is). While it’s true that the IRS does base filing status and dependents on support given to dependents out of pocket, I believe many people are not as familiar with tax law as it’s only done once per year, and when money comes into play, people are often tempted to manipulate the truth more often than you would think, and the IRS may never find out since investigation is costly.

I also believe it’s, in truth, very unfair in that it raises most taxpayers’ bills fairly sharply-this has to be paid for and goes to a high enough percent of our population, according to the Center on Budget and Policy Priorities (source here), the Earned Income Credit that was received by over 22 million families and individuals in the 2018 tax year. Due to the amounts often given, and the number of taxpayers it’s given to (we can imagine the math), it is without any doubt something that has greatly increased the tax shouldered by us all. Should the taxpayer pay this if the people receiving this are underpaid? Why not have them paid more by their employers-the people getting the work done for them by their employees? Also, shouldn’t we also make sure this is only going to those truly in need of it?

It’s also less likely to help people financially due to human nature. Imagine if you were handed a $3,000 lottery ticket, what would you do with it? You might spend a good deal of it immediately. We’ve all seen how often people will spend a good deal when given a one-time payment. The poor might have more bills to pay, but they have this trait of human nature too. They are likely to spend more than they should rather than saving enough.

Lastly, it’s given at one time of the year, so someone who falls into poverty between May and December won’t get help for some number of months from this credit. It sometimes doesn’t provide the immediate help needed.

So then, what is the alternative? After all, it is here for a reason. It’s done to provide income to people-especially people with young children, who need it, since they don’t make enough. So then, what’s the alternative? Making sure people are paid enough at their jobs. The Earned Income Credit is supposed to make work pay. So we should do that. People should earn more. We can do this by having stronger labor unions, and higher minimum wages for larger companies that can afford to pay more (with allowances for small businesses).

The fact that the Earned Income Credit that was received by over 22 million working families and individuals in the 2018 tax year (Center on Budget and Policy Priorities, source again), shows that we have way too many people not earning enough. In truth, I believe that we can do much better, and do this without using a one-size-fits-all approach, or over-burdening the taxpayer.

[evanvanness]

Annotated edition for the May 24, 2020, Week in Ethereum News

Several people this week have told me they want a “drama” section in the newsletter and have asked me to annotate the Aragon and Autark Ado this week.  

Perhaps that’s why the Aragon drama leads the most clicked list:

So why is Aragon suing its grantee?  Aragon held a vote where the community approved these grants.  Aragon now does not want to pay, claiming breach of contract - presumably that they did not believe Autark was not delivering fast enough or that products that were up to snuff.  It’s a bit hard to follow the play-by-play but at some point Aragon decided that after spending 600k of the 1.6m awarded grant, they did not want to pay any longer, so Autark threatened to sue.  Aragon offered to settle for $250k of the remaining million in grant payments, but it appears Autark rejected because Aragon would cut off the ANT incentive payments.   So Aragon sued Autark, to make sure that the case happens on its home turf in Switzerland which benefits their deep pockets versus Autark’s (now unfunded) startup budget.

For what it’s worth, I believe I voted against Autark’s first request and while I thought I voted against the second one, it turns out I didn’t vote.  There were a lot of votes in that round, and it was obviously going to pass (it passed “unanimously” with only 1 ANT voting against), so i must have decided not to spend the gas.

This all seems pretty boring, it’s just back and forth arguing over a contract, why are other people commenting on it?

1.  Aragon has a reputation for not paying people.   

It has long been an open secret in the industry that Aragon routinely doesn’t pay people in full or on time.

Grants are hard!    I can empathize with both Aragon (presumably feeling like it wasn’t getting enough ROI) and Autark (presumably thinking that a community approved grant couldn’t be secretly overturned by Jorge and Luis).  

2. Aragon sold a token for tens of millions of dollars, but after 3 years the only use for the token was a tokenholder vote.  Now, the results of those votes are unilaterally and privately discarded. 

It’s been over 3 years since Aragon raised a crazy amount of money selling a token.  In that time frame, the only use for the token has been these votes. 

If Jorge and Luis could decide by themselves to countermand the results of any of those votes without even telling the tokenholders anything, then what was the point of these votes?   Why did I waste my ETH paying gas to vote in these things?

 [Digression: They also recently released an ANJ token that you can exchange ANT for, but I don’t count being able to exchange a token for another token as utility.  After more than 3 years, I cannot think of any other possible utility for ANT.  Note: i’m very bearish on “dispute resolution by tokenholder vote”]

3.  Aragon marketing hasn’t matched Aragon actions

The Aragon Manifesto was a clarion call.  In black and white terms it paints the picture of transparency and technology as a solution for society’s problems of centralization, censorship and oppression.

Yet the rhetoric hasn’t matched the reality.  They’ve declared that Aragon is the world’s court, yet go running to Swiss courts to claim jurisdiction rather than even attempt to use Aragon Court in parallel (since they can’t possibly lose in either venue).   

They’re the rich ones with deep pockets, yet they’ve repeatedly chosen not to pay grantees who have very little leverage in negotiation (with the exception of Prysmatic after they complained).

None of it has been transparent (though of course there are often good reasons).

----

The Aragon team so far has responded to all these concerns by saying things like “you’re questioning our good intentions” or “the courts will decide”. 

It is obvious that Aragon will win in the courts.  They have the deep pockets; Autark doesn’t.  They drafted the contract, and any decent lawyer will have drafted it so Aragon can’t possibly lose.  Even if the contract somehow wasn’t one-sided, Aragon chose to run to the home field courts.  It would be shocking if they lost.

Aragon’s intentions aren’t bad; that’s not really in question.  I’m 100% sure that Jorge and Luis’s intentions are good and that any individual decision is defensible.

What is in question is their decision making overall.  When you stake your brand on “transparency” and anti-oppression, then people will feel disappointed when your brand promises do not match your actions. 

------------------------------------------------------

Enough with the drama.  As with last week, a few things I think I’d read if i were an Eth holder interested in high level things.

Carl Beekhuizen’s Eth2 keys explainer

5 things crypto can learn from Visa’s struggle for adoption in the 1970s

Brave’s anti-fingerprinting v2, available in the beta releases but coming soon in the main releases

Working in reverse order, it’s always surprising to me how little people understand how much info your browser is leaking.  Fingerprinting basically lets people figure out who you are even if you switch IP addresses, clear your browsing history, etc.  I used to work in anti-fraud, and I was surprised how often you could figure stuff out from the fingerprints.  Good for anti-fraud, but bad for privacy.  Brave is changing the game on fighting fingerprinting!

I’m old enough to remember when Visa and especially Amex were not the ubiquitous things that they are today in America.  There were some interesting parallels around their ads “think of it as money.”   The more things change, the more things stay the same.

A good Eth2 keys explainer, definitely worth reading if you’re interesting in staking.  

On to the annotations.  The stuff that I think might deserve extra comment, not necessarily the stuff I think is most important.

Eth1

Péter Szilágyi’s snap sync, and some benchmarking of snap vs fast sync

Discovery peer advertisement efficiency analysis, also applicable to eth2

Sync improvements are a big deal, as the initial sync time is one of the things that most people find daunting around running a full node.

Depending on who you are, this may not be considered sexy, but it’s an important thing for eth1 usability.

Eth2

phase 0 spec v0.12 – added latest IETF standard. This is THE spec for the eth2 launch, barring any updates for bugs

Lighthouse client update – BLS key implementation, under Trail of Bits audit, 300mb RAM to run 2000 validators

Lodestar client update – syncing to both Schlesi and Topaz testnets

Prysmatic client update – Schlesi fork post-mortem, slashing client and protection

Fizzy v0.1 – WASM interpreter written in C++

Carl Beekhuizen’s Eth2 keys explainer

There’s been plenty of talk around “this is the spec” before, so I sorta can’t blame someone who says “but you’ve already said that before!”

Basically, they were all true, but with specific exceptions.   And that’s still true - there will likely be some kind of bug or clarification found so that that this isn’t THE spec that launches the eth2 chain in a few months.  But unless something crazy happens, this spec for the eth2 chain isn’t going to change except to fix bugs.

Layer2

Fuel does a demo of Reddit’s community points in an optimistic rollup that reduces transaction fees by 60x

Loopring to pass 1 million trades on its zk rollup in just 3 months of being live

Gazelle (formerly Plasma Chamber) alpha release with an API for deposit, transfer and exit

Fuel’s demo is pretty cool.  It’s obviously just a demo - they don’t have a way to withdraw back to the testnet where Reddit’s community points are house.

Dexes continue to improve!  Using their zk rollup, Loopring has a trading experience that is just as good as a centralized exchange, but with much cheaper fees and no risk of centralized exchanges getting hacked and losing your crypto. 

This newsletter is made possible by 0x!

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Stuff for developers

web3js v1.2.8 with Ethers v5 ABI coder integration, ENS’s contenthash, and EIP-1193’s AbstractProvider

Mocking Solidity code with Waffle

A writeup of Solhint v3’s features

How to get randomness onchain using Chainlink’s VRF

Offchain voting for personal tokens, tutorial from Austin Griffith

Gas and circuit constraint benchmarks of binary and quinary incremental Merkle trees using Poseidon

Loopring’s new approach to generating frontend keys to sign offchain requests

Hegic had to shut down again because of an exploit that Sam Sun reported weeks beforehand

tBTC found a bug during their rollout; launch delayed

Matic’s mainnet is in the process of going live

I’ve seen some games migrate over to Matic.  

Matic is “in the process” of going live.  I note the “in the process” because I see a bunch of new blockchain projects saying that they are live, but....they aren’t really by any definition I would use.

But as I said previously in an annotated edition, it’s a process.  It’s not exactly some binary “we’re live now.”  Even Ethereum went live in July 2015 with less than full features.

Ecosystem

Tornado.cash non-custodial mixer is now trustless, with the admin function burned and the frontend available at https://tornadocash.eth.link

Ethereum Foundation q1 update, including how EF thinks about funding

Intro to dwebsites. dweb = ENS + IPFS (and equivalents)

Network usage is at an all time high. With similar use of the Eth2 chain, Ethereum will have negative issuance of ETH because part of every transaction fee is burned

I was surprised that gas usage is so high that we’d be in negative issuance if Eth2 was live.  

I’ve said before that I’m not sure how I feel about negative issuance.  On the one hand, the worry is that negative issuance means that no one has any incentive to use their ETH.  On the other hand, that’s already the reality today - hardly anyone wants to pay for anything in ETH at $200, because basically every ETH holder I know has obscenely high expectations for what the price is likely to do in the near to medium term.

Some interesting thoughts in the EF update about how EF thinks about funding.

Meanwhile it’s great to see Tornado continue to improve the trustlessness of their product.    Incredible work from the Roman S team.   (if you missed the joke, it’s because both of them are named Roman and have last names that begin with S)

Enterprise

Using Eth mainnet, Baseline Protocol privately and securely synchronizes data and business logic across SAP and Microsoft Dynamics

Hyperledger Fabric founder John Wolpert’s common sense statement on using blockchain and Ethereum mainnet

The Baseline Protocol as lean strategy

Depository Trust & Clearing Corporation’s Project Whitney using Ethereum mainnet to “support private market securities, from issuance through secondary markets”

I’m surprised by how quickly the use mainnet approach has taken hold.   If you rewind back to the last hype cycle, relatively few even considered the idea, even as enterprises were buying private chains that didn’t make much sense.  (hat tip to GridPlus CEO Mark D’Agostino’s seminal No Country for Private Blockchains article)

DAOs and Standards

Aragon sues to avoid paying grantee a community-voted grant

Exploring DAOs as a new kind of institution

MetaCartel is becoming a DAO incubator

ERC2665: ERC721 transfer fee extension

EIP2666: Repricing of precompiles and Keccak256 function

Application layer

Uniswap v2 launched, with more features – direct token pairs, price oracles, flash swaps, etc

UMA launches the ETHBTC synthetic token, so you can bet on The Flippening

idle v3 – stablecoin yield rebalancer adds dydx, USDT, and a risk-adjusted strategy

Maker changes USDC stability fee to .75% and WBTC to 1%. Also, how Dai became a favorite in Latin America

Argent launches v1 of smart contract wallet with one touch access to TokenSets,  PoolTogether,  Aave,  Uniswap V2, Compound, Maker and Kyber.

5/5 DeFi in the app layer section.  Of course what I put in the app layer section vs what I put elsewhere is certainly arbitrary.  

And hey, why isn’t Tornado Cash on DeFiPulse?  It’s got a decent amount of value locked up.

Tokens/Business/Regulation

5 things crypto can learn from Visa’s struggle for adoption in the 1970s

WBTC mints another 1500 BTC on May 21. There’s now 5200 BTC on Ethereum compared to less than 3000 BTC on Lightning and Liquid combined

Blockchain code as antitrust, Schrepel and Buterin paper

ETH to soon surpass BTC on Bitcoiners’ preferred stock-to-flow metric

Staking will turn Ethereum into a functional store of value

What’s interesting about that 3000 BTC is that Liquid is just a trusted sidechain, and it has 2200 of the 3000 BTC.   Now to be fair, WBTC definitely has some trust assumptions as well.   

Still isn’t it interesting to see BTC migrate to Ethereum, where it can be used relatively trustlessly, rather than go to Blockstream’s products? 

General

KYC puts lives at risk: BlockFi hack leaks client name, address, and crypto addresses. Similarly, a hacker claims to have exploited Shopify for Trezor and Ledger databases, though Ledger says the databases don’t match

Using zero knowledge proofs for vulnerability disclosure

World Economic Forum’s principles for a decentralized future (transparency, self-sovereign data, privacy and accountability)

JK Rowling jokes about trolling BTC because of her significant ETH holdings

The Winklevosses say they own a similar amount of ETH and BTC

Brave’s anti-fingerprinting v2, available in the beta releases but coming soon in the main releases

Using zero knowledge proofs for vulnerability disclosures is very cool.   It’s a pretty classic problem if you’re a whitehat hacker - how do you disclose the vulnerability and then trust that you get anywhere near the value back that you deserve from someone’s bug bounty program?   There are examples - even in the Ethereum space, where people should understand the value - of responsible disclosure not getting paid anything commensurate to what they deserved.

I’ll be interested to see if BlockFi suffers as a result of the hack.  They’ve certainly put at risk any whales which used their service and didn’t give a PO Box/false address/whatever.   Yet the history of database hacks even in our space is that most people just eventually return as if no hack ever happened.

Soon this annotated edition will be going paid, more details coming soon.

That’s all for this week!

Housekeeping

Follow me on Twitter @evan_van_ness to get the annotated edition of this newsletter, usually forthcoming in a day or so, as well as a real-time source of Eth news.

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Permalink: https://weekinethereumnews.com/week-in-ethereum-news-may-24-2020/

Dates of Note

Upcoming dates of note (new/changes in bold):

May 26 – last day to apply for Ethereum India fellowship

May 28 – EIP1559 implementation call

May 29 – core devs call

May 29-June 16 – SOSHackathon

June 16 – deadline to apply for Gitcoin’s Kernel incubator

[Post updated at night for accuracy.]

[whimsically-ominously-auspice]

Alright so a lady said she called the insurance company and they said they wont cover a thing.

This is true. Many insurance companies do not covet flood damage. This is because insurance companies are greedy.

American Modern, my insurance company and one I use personally does.

Now if you dont want to change your entire insurance that is understandable. However everyone should have flood insurance which is sold seperate.

Googling flood insurance is more help than this website when PURCHASING but it explains flood insurance like the 30 day waiting period that covers

So people in Michigan like this lady are sold out of luck.

Flood insurance is usually $100 or less per year.

We have designed a flood insurance policy that will cost $1000 for 2020 IF you have been flooded already such as Houston and such as this lady. Then it will go down to $29 per year. Tree will post the link and more information after i post. First i will ramble on.

In New Mexico it is the law if we are in a flood zone we must have flood insurance if we have a mortgage. Some banks require it in other states. I live within a miles of the Rio Grande River and thus I am required flood insurance and every year when my insurance updated, i would get a letter from Wells Fargo who is dumb and they would say that i needed flood insurance. Because they didn't read the premium notification that it is included in American Modern. The first year i called myself. The second i called the local insurance office I got the insurance from, went in and explained the problem. She said she would cuss them out. Next year same again. So i called and she said "again?!" She gets really mad. And whatever she said worked because they never sent me another letter.

So I know about having it...

Now y'all check your insurance and see if you have flood covered I'll pay every one $5 regarding insurance today.

Renters should have insurance also and Tree has a website for y'all for $5 - 79 per year.

Yes per year. I pay $1000 about and nothing happens! So why charge so much?!!? Lets not be so greedy!! I only cover $92,000 on my house. Not millions. It's a trailer in town on a small plot of land. I paid $82k and now it's worth as a regular home because Facebook moved to town $160k but because it's mine and celebrity ststus it's worth, $800k substantially. So i don't cover all that but i do have other insurance policies up to $1M that i don't pay the policy for they in the CIA database and because i own the insurance company that i use, i get $1M of free coverage per home I cover with that company. Which then harms our pocket book when things happen and I have to use the policy and make a claim.

So now, the point is. Y'all need insurance for now in case something should occur. For emergency areas or disaster areas where people were uncovered we will be proactive and use our hundreds of Billions of dollars collected on insurance premiums to help Y'all out for this year. The website will list who will be covered retroactively. Meaning you didn't have,insurance but pay a high premium and we will,pay whatever it is to restore your home or buy you a new one.

Premium will be $1000 to $5000 for what is labeled as flood insurance. So a little house like mine to a big mansion.

It is high but if my house was damaged it would cost 20k to repair or at least $5k So i would save $4k and we will include damage already done like plumbing and electrical. So if you had damage to those prior to flooding we will repair. Floors will probably be covered on flood damage I do assume. Furniture replacements of low average cost so about $1500 for a couch, loveseat and chair. $200 for TV. And so on.

If you have proof you had a monster of a TV then you can post pictures and get 100% replacement value. Otherwise you'll get the $200 which can buy a 47" LED non smart on sale.

Reciepts of furniture and so on will give you full replacement cost. Otherwise its average low cost... Good quality still. Talking like a discount furniture store. Or online furniture purchase.

So talking receipts because "but Sabrina! Its a flood and you're telling me to save paper and the ink fades!"

No, baby, take a photo of your receipt and upload it to the cloud in s special labeled folder titled "receipts" then you'll always have them.

So say you pay $5000 for a TV 10 years ago. So,that T.V. today will may be cost about $1500 so you get the replacement cost. Not the $5000 you paid but what it cost to replace it. So you'll get the same exact thing at the store. But say it was plasma. And they don't sell that any more. So its the same size and smart capable and LED which is better than what you had but cheaper. So don't freak out. You'll get enough money to buy again what you bought.

Insurance can be kind of confusing but it's today's prices for yesteryear's items

They keep up to date on prices. There's teams dedicated to knowing,exactly what items,cost. They would,win killings on the Price is Right. In fact they're banned from participating.

So get y'all $5 to LOOK at your current premiums and how much they are and what it covers.

If you have insurance and you need flood $5 to get that ASAP.

$5 for renters to check out insurance and $5 to buy.

Same for homeowners without insurance.

American Home and Geico will now offer 15% less automatically to what they usually charge. So it's on an auto 15% less for the next year no coupon or announcements. So until May 20, 2021 the charge will be 15% less than They would usually charge. For your safety and convenience.

American Home doesn't do commercials so its already cheaper. Lower overhead cost. Just by $10 - 200 per year.

Also for the retroactive flood. We will do payment arrangements. So like me i don't have $1000. So you pay $50 until you get to $1000 (Or $5k whatever it is) but we won't work on your house or give you money until your premium is full. Except when on EBT AND Medicaid. Show proof of income. We will check with social security to see if you've lied and if not we can omit your premium and deductible from your pay out. So say its a $2000 premium with $500 deductible and you're out of work. Social security can tell us that and then we can give you the $1,500,000 MINUS 2500.

People marked on SMS:BrightGady and their homes will be rejected for insurance coverage on retroactive. Find the ass hole idiot that damaged your home on purpose and collect from them.

We are only covering INNOCENT HUMANS. So if you got DNA4U to prove that you are, you KNOW you can get the retroactive coverage. If you don't have DNA4U then you can try and see.

There is no hotline available to call and whine you're an alien or terrorist that can't get coverage

After a person is approved, obviously of course, phone numbers will be available.

As for the flood -- PREVIOUS damage about a year ago was done to the dams. But this overage and failure was due to simply too much rain water.

So I apologize on the behalf of myself and tree. And we will do this insurance for y'all although it is not our fault, we just apologize that there's inconsiderate ass holes that have not died of COVID yet. And this occurred.

Hopefully family heirlooms or special items to the heart which are not replaceable are magically protected by love. And you'll be able to find them to be in a good condition, surviving the floods.

Im sorry for the pain of the floods..

Chicago and Houston and some other places globally. And also Australia and the Amazon Rain Forest Fire Victims can apply for retroactive insurance.

[ask-de-writer]

CARAMEL TREAT’S SWEETS : Part 2 of 4 : MLP Fan Fiction

Return to the Master Story Index Return to MLP Fan Fiction                                                                          Return to Caramel Treat, werewolf 

Caramel Treat’s Sweets

Part 2 of 4

by De Writer (Glen Ten-Eyck)

18671 words

© 2019 by Glen Ten-Eyck Writing begun 02/21/16

All rights reserved.  This document may not be copied or distributed on or to any medium or placed in any mass storage system except by the express written consent of the author. ////////////// Copyright fair use rules for Tumblr users Users of Tumblr.com are specifically granted the following rights.  They may reblog the story provided that all author and copyright information remains intact.  They may use the characters or original characters in my settings for fan fiction, fan art works, cosplay, or fan musical compositions. All sorts of fan art, cosplay, music or fiction is actively encouraged. ///////////////////////

For those wishing to read the whole story, this link leads to the entire tale.

///////////////////////

<==Previous  Next==>

“I hope that I won't disappoint you, but I don't think so.  You spoke to me about how to make a business plan?  

“I think that I know what I want to do.  I love cooking, you know that.  I want to set up a restaurant.  I have an offer of a sound business loan to do it but I need a proper business plan to get the loan.”

Miss Cherrilee smiled and nodded.  “No, dear.  I am not disappointed.  You are a truly talented cook.  I suspect that your really keen werewolf senses have a lot to do with how well you can cook.”  She reared up to get a book from a high shelf.

“Here, Caramel.  This book should help you a lot.  Please feel free to ask me anything after you have read it.”

Caramel thanked Miss Cherrilee and left with the book.  Two days later, she returned the book.

“Thank you, Miss Cherrilee. It was a great help!  Here.  Would you please look this over and see if I have missed anything?”

Miss Cherrilee took the thin sheaf of papers in hoof and said, “I would be happy to, Caramel.”

Caramel noticed that Miss Cherrilee had a big pile of student papers to grade.  “If you are going to look over my work, would you mind me helping you with yours? I can help you to grade these papers!”

The two mares sat happily at the desk, each looking over the other's work.

The next day, Brightmane and Caramel sat in the spacious lobby of the Equestrian National Bank.  A business suited pony unctuously invited them, “Brightmane, please come into my office.  We can discuss whatever business you have.  I am sure that Equestrian National can meet your needs.”

Seated in his office, Brightmane smiled and handed over a paper.  “All that I want is for you to notarize this loan that I am making.”

Without even looking at her paper he said in a prim voice, “Without the other principal to the loan present, I cannot do that.”

Brightmane's smile froze.  “If you could be bothered to look at the paper, you would see that she is here.  I am making my daughter Caramel Treat a business loan.”

He pulled back in irritation. “Equestrian National cannot underwrite a business loan to a minor.”

Brighmane stopped smiling altogether.  In a flat voice, she stated, “We are NOT asking Equestrian National to underwrite the loan.  It is from MY funds and being made to my daughter.  I am cosigning for her as she is a minor. Just notarize our signatures!”

Forced into a corner by his previous refusals, he pushed the paper back.  “A personal loan in the family does not require a Notary stamp.”

Brightmane, now furious, demanded, “HERE!  You cannot legally refuse this!”  She wrote briefly in her checkbook and hoofed over the slip.

He blanched as he saw it.  “You can't be serious!  A withdrawal of this magnitude, in coin!”

Brighmane curled her lip in a snarl that would have done credit to a wolf.  “BY EQUESTRIAN LAW YOU HAVE 72 HOURS TO PRODUCE MY SEVEN MILLION, EIGHT HUNDRED FIFTY TWO THOUSAND THREE HUNDRED AND SEVENTY ONE GOLD, NINE SILVER AND THREE.

“According to the bank's last quarterly report, you have in the entire Equestrian National Bank, all branches included, cash reserves of only five million golden bits.  How you raise the other more than two and a half MILLION golden bits is entirely YOUR problem!”

Caramel spoke quietly, “Mother, destroying the whole bank over this is not wise.  We will simply go to Ponyville Trust and Loan.  There, you can simply write a check for my one hundred and fifty thousand golden bits loan.  I KNOW that they will notarize our agreement as a free service.  They can simply present your check on a secure gold asset transfer.

“That will kick this specific pony in the rear and not wreck the whole bank.  Losing this much business will tarnish HIS career and not do much other harm.”

Brightmane did smile at Caramel. “Well thought out, dear.  Come, let us do that.  We can move our assets in an orderly fashion.  You are right.  There is no need to wreck a bank, simply because one branch manager is an idiot.”  She picked up the loan agreement and her check as they left.

Sitting together in Sugar Cube Corner, a bit later, sipping milkshakes and nibbling frosted oat cakes, Caramel observed, “That did not take long at all.  The Trust and Loan really wanted our business.”  She was admiring her new check book with the Ponyville Trust and Loan logo.

Together, they began to canvass the side of Ponyville closest to Brightmane's cottage in the fringes of the Everfree Forest.  They found a dilapidated house for sale on a lot just across from a nice smallish park.

Brightmane watched with pride as Caramel checked out the structure and the condition of the property in general.

The Realtor from Shadyside Realty leaned back from his desk with a phony smile pasted onto his face and pointed out, “While that is a fine property, the house needing only a little work to be first rate, you, as a minor, cannot get a mortgage for it.”

Caramel, gestured her mother to silence and returned, “I do not need a mortgage.  I can buy it with a single payment.  The only real issue here is that you just lied about the condition of the house.

“It has a serious infestation of termites and several of the main supporting timbers have sufficient rot that the whole house needs to be torn down.  That is a cost to set against the listed price of six thousand golden bits.

“Four would be about right under the circumstance.  The demolition and removal will cost around two.  I have the estimates right here.”  She hoofed over several sheets for the agent.

The Realtor looked like he had just bit into an orange and discovered it was a lemon in disguise. He countered, “I have an appraisal right here and it says nothing about those so called defects.”

Caramel looked over the appraisal sheet and dropped it disdainfully back on his desk.  “This is almost FOUR years old!  Under Crowns Law it is worthless.  If you do not have a more recent one, we are done here.”

Turning to Brightmane, Caramel said quietly, “Come, Mother.  This pony is a good deal less than honest.  He is right down there with Sawnax!”  

Brightmane followed her daughter out of the Shadyside Real Estate office.  Once outside, she asked, “How are we going to get the property if we don't deal with the Realtor, Caramel?”

Caramel, leading the way back toward downtown Ponyville, replied with a grin, “The appraisal was prepared for the Ponyville Trust and Loan!  They are the actual OWNERS of the property.

“I think that they might be willing to sell it without having to pay a Realtor a commission and get a good chunk of cash at the same time.”

Brightmane regarded her daughter proudly as their hooves clopped quietly on the cobbled street.  A few clouds floated in an otherwise clear sky.

Turning into the Ponyville Trust and Loan, they were greeted by a nice gray pony who informed them, “Mister Morgan is with another customer just now.  Can I get you a warm drink while you wait?  Rom black tea, perhaps?”

When it was their turn, they sat in Mister Morgan's office while Caramel explained the situation.  He frowned as he heard about the assessment.

“You are sure that he did not have a more recent one?  Just a moment.”  

Mister Morgan left his office and returned with a modestly thick file.  He rummaged through the assorted papers, some in the various colors of legal foreclosure warning notices.  He pulled out a thin sheaf.  He held it out for Caramel to see.

“This is the latest assessment.  It is only two months old.  As you can see from the notes, Shadyside Realty was given and signed for a copy.  This assessment shows substantially the same situation that you described. I fear that the structure will have to be demolished.”

He sighed.  “Our foreclosure lien is for 3500 gold.  If you are to bear the cost of demolishing, that only leaves about 1500 plus some unavoidable legal costs.  I suppose that we could let you have it as is for around 2000 plus closing costs.”

Caramel's brows pulled down in concentration.  “You do all of your investing right here in Ponyville, right?”

Mister Morgan nodded seriously. “We founded our Trust and Loan to help the local community rather than a Board of Bankers that sits in Canterlot.”

Caramel smiled at that, nodding happily.  “That was my understanding.  I was prepared to give Shadyside Realtors 4000 gold bits, plus closing.  Since this money will be going into the community rather than private pockets, let's go ahead and do it for that price.

“In spite of being higher than you were offering, it is less than I was prepared to pay.  We both win.  It does not hurt that Ponyville wins too.  Shall I make it a check or do you want to simply debit my account?”

Walking home in the luminous evening, Brightmane told Caramel, “I could not be prouder of my sweet filly than I am today.  You showed both good business sense and wisdom.”

Caramel smiled and rechecked her saddlebags as they reached the gate to their cottage.  “Remember, Mother, tonight, I am cooking our dinner!”

Nurse Fields' happy voice came from the door opened in welcome, “I heard that!  Brightmane, don't you dare try to stop her!”

It did take several days to get through the legal hoops to ownership of the lot.  Caramel spent much of that time in conference with Houser, the architect and builder. Drawings and plans for her new restaurant got made.

Arrangements were made to remove the dilapidated old house on the lot.

Caramel was watching the crew that Houser had hired.  The unicorns were working together to grab and rip off parts of the roof.  Instead of simply dropping the pieces, they were loading them into a wagon for prompt removal.  As quick as they uncovered structural parts like rafter beams, they pulled them out of their old place and set them out in neat piles for later sorting.

Another of the crew was dismantling the chimney.  He was working with care and setting aside the stone, brick and expensive flue tiles in sorted piles.

The workers all took off to go get lunch at Sugar Cube Corner.  In only a few minutes, a red pony with a yellow mane pulled up with a wagon and started to load up the chimney tiles.

Caramel asked, “What are you doing with my flue tiles?  Those are valuable and we are saving them.”

He snorted, “Don't know much about it, do you, kid?  I have bought all of this salvage from Sawnax.  Paid good bits for it and I am just picking it up.”

Caramel got between him and the tiles.  Still mild, she explained, “The problem is that my builder is Houser and the salvage is not for sale.  Sawnax has cheated you. You should go to him and get your coin back.”

He made the mistake of pushing Caramel aside as he snapped, “I paid for them and I am going to have them!”

Her return sweep kick had his hind legs out from under him!  She followed up by a nerve jab that paralyzed one of his front legs.  He was struggling to rise when Caramel blew a police whistle.

Constable Crager came on the run.  “What is it, Caramel?”

Ignoring the constable's asking Caramel, the fallen pony demanded, “Arrest her!  She attacked me for no reason!  I bought the whole salvage of this lot!  I have a receipt and everything!”

Constable Crager listened and then demanded, “I must see that receipt.  I already know that this lot and all on it belongs the this young mare.”

“That is crazy talk!  Sawnax showed me the exact lot from that park over there!”  He dug in his saddlebag and produced a somewhat wrinkled receipt.  “See?  It says right on it, all salvageable masonry and usable timbers, including chimney tiles!”

Examining the receipt, Constable Crager nodded, “It does say that.  There is one small problem.  The listed address is 421 Blackberry Lane.  This lot is 318 Mane street.”

Caramel quietly pointed across the way, to the park.  Sawnax was sitting where he could watch the whole mess.  He was laughing.

Constable Crager trotted across to the park and spoke to Sawnax at length.  He gave Sawnax a paper, which Sawnax took petulantly.

The Constable returned and gave a second paper to the pony who had been stopped from taking Caramel's salvage.

Staring at the sheet incredulously, he asked, “I got to go to court?”

“Yes, Sir.  You do.  You and Sawnax will dispute your case before Judge Coldheart.  He will decide which of you owes whom and how much.

“The alternative is that I simply arrest you for attempted theft.  The court is cheaper and will not give you a criminal record.”

As he was glumly leaving, Houser and his crew showed up.

After explaining to Houser about the happenings while his crew was away, they got back to work.  The old house's basement proved to be both large and dry, showing no sign of any moisture damage at all.

Caramel consulted with Houser about incorporating the basement into the new shop's design.  She pointed out, “This will greatly improve my storage area for provisions.  It will be cool, too.  That will help things to last.”

Houser nodded and pointed to his plan drawings.  “We did not know the condition of the basement when I made these.  I was figuring to fill it in and use support blocks here and here.  We simply make them into pillars footed on the basement floor, which is solid.  There should be a loading ramp cut in at the back so that you can have carts unload into the basement easily.  A stair case over here, and that will be all that there is to it.

“It will only add about a thousand bits to the overall cost and you will have total access to it, from both inside and out.”

Caramel nodded as she worked it out in her head and then examined the drawings again.  “Can we put the staircase over here, instead?  That will make it handier to the kitchen area.”

Houser agreed at once.  “I see what you mean.  For such a young mare, you are very sharp.  I like the idea of a smaller kitchen for experimenting with new recipes.  It will allow the development of new dishes without disrupting the main kitchen.”

Caramel smiled brightly as she replied, “That is the idea!”

Houser returned her smile, thinking of both the good idea and the addition to his profits.  “I will get right on the modifications!  I will have working drawings for your approval tomorrow.  If you like them, I will do the detailed plans at once.”

“That will be fine, Mister Houser.  I will not be free until noon at the earliest.  I have two issues of civil business to bring before Judge Coldheart.”

“I see, Caramel.  Good luck to you on them.”

Smiling broadly, Caramel replied, “Luck favors the well prepared.  I will leave you to finish this salvage work.  I need to prepare the information that I am going to need for tomorrow.”

The somewhat puzzled Houser watched Caramel trot off in the direction of the Ponyville town hall.

The next morning, Caramel packed her saddlebags carefully, being sure to organize the many papers that she had accumulated the day before.

Brightmane asked anxiously, “Are you sure that you don't want me to come to court with you, dear?”

Nurse Fields wiped her lips with a napkin and replied for Caramel, “Yes, Brightmane, she is sure. She has only told you so three times, so far.

“Caramel, the breakfast was lovely.  Thank you.”

Caramel set out into the early predawn light that made the Everfree Forest seem so lovely and serene.  She had an escort of five big, full grown Everfree Ridgeback wolves.  Over the years, the Stone Ridge Pack had grown used to her presence and accepted her, not exactly as one of their own, but as one who belonged and could be counted on to help the hunt.

They knew that, though she was going into Ponyville, where they would not go, that she was on a hunt of her own.  They were offering her their assistance, as she had assisted them in the past.  Caramel appreciated the support.

She took her leave of the pack, with the usual friendly butt sniffing and light roughhousing.  Going around the hill of Red Hoof, she went straight into town.

Arriving at the Town Hall, she went inside, and took a place in Judge Coldheart's courtroom.  A little later, the big red pony came in, followed by Sawnax.

Sawnax immediately began, “What are you doin' here, Brat?  Get out now!  You got no reason to be here!”

He was hauling back to give her the back of his hoof, when he saw her smile of anticipation.  He had run into her Han Fu skills before.  Growling, he lowered his hoof.

They heard, “All  rise for His Honor, Judge Coldheart!”

They did, and Judge Coldheart, in his formal robes of office, took his place at the bench.  He struck a gavel and declared, “Order, in this court!”

Sawnax reluctantly settled down. He had been here enough in the past that he knew the routine, and the cash cost of disobedience.

“We shall hear Petty Criminal maters first.

“Sawnax, you stand accused of violations of the Protective Order granted to Miss Cherrilee's School.  During the course of that violation, you further broke the Edict of Equality by verbal outburst in the hearing of the Constable.

“How do you plead?  You may plead only guilty or not guilty.  Silence will be taken as a guilty plea.”

Sullenly, Sawnax replied, “Guilty, I guess.  I thought that the Order was over, once the Brat, there was out of the school! I went in to get her out of the School, where she had no business at all!

“As for Edict of Equality, I have tried to warn you and the town, once she is turned, that Werewolf will lose all reason and become a ravening, murderous monster!  The Edict won't apply but it will be too late for her victims!”

The judge curled a lip disdainfully.  “Guilty on all counts!  You are fully aware that you have just lied!  You have seen Caramel Treat changed to a wolf on many occasions.  She, unlike some Werewolves, does retain her reason and emotional control.

“You are fined one hundred golden bits!  This is added to the sum of four thousand gold, twenty two and seven that are presently outstanding debits to this court! You may not leave the court until payment arrangements have been made.”

Sawnax ground his teeth in rage as he returned to his place.

The judge called out, “Now we will hear civil actions.

“Those whose things have no dispute may come forth to be heard and dealt with.”

Caramel stepped up to the bench. She laid a small sheaf of papers on the counter before Judge Coldheart.  “I have passed my civil cart handling license.  Because I am still legally a minor, it needs your signature.

“Under that, Your Honor will find my wholesale provision purchase license for the restaurant that I am now having built.  It is formally granted already.  That also needs your signature.

“The rest, Houser sent along with me.  They are the permits needed to erect the structure and link it to Ponyville's utilities.  Again, all have the approval of the inspectors involved and simply need your signature to complete them.”

Nodding, the judge hoofed through the stack and signed where needed, returning copies to Caramel.

He commented, “It is good to see one so young, getting such a fine start in life.”

“I do have one more thing, Your Honor.  I want a protective order to keep both Sawnax and the members of the Celestian Church away from my establishment.  Here is why.

“This is an 'assessment of a freely given donation' of 100 gold a month to the Church to purchase Celestia's Blessing, without which, disaster is sure to follow. Members of the Celestian congregation to be allowed to dine for free.”

Examining the 'assessment', Judge Coldheart nodded, “Against the Church and its members, no problem.  The order, with a delivery receipt, will be delivered to you as soon as service has been made.”

“Thank you, Your Honor.  What about Sawnax?  He continues to slander me and has as a part in the next case.  He tried to sell my salvage materials to mister Red Clyde for the sum of 150 golden bits.

“His fraud garnered gold from mister Clyde, and was intended to make me a victim through the loss of my building materials.”

Sawnax promptly brayed, “She don't know that!  Red and me was in the park across the street!  No way could she hear us.”

Caramel tapped an ear. “Werewolf, remember?  Hyperacute senses.  Hearing especially.  I heard the whole scam.

“Besides, you put the 421 Blackberry Lane address on the receipt.  You neither own that lot nor the salvage rights.  The lot is owned by Ponyville Trust and Loan.  I have here their written statement that they would not sell you salvage rights due to past misconduct.

“Here, Judge Coldheart.  See for yourself.”

The judge did look everything over and smiled.  “I see why you want a protective order against Sawnax.  Granted.  Wait a few moments.”  He took out a form and began filling it in.

Hoofing it to the bailiff, he instructed, “Serve this at once on Sawnax.  He must sign the service receipt or I will sign it for him.

“Remand Mister Sawnax to the Jail until a bail hearing.  This business has gone far past a mere civil case.  This is a criminal fraud.”

Caramel took all of her papers, thanked the judge, and left.

At the building site, Houser looked about at his busy crew.  The old building was almost gone.  He hoofed through his permits and smiled, “Didn't take you too long, Caramel.  Thanks.  Everything is in order, I see.”

Caramel invited, “Let's all go over to the park.  I brought you all lunch!”

Seated around a table, Caramel hoofed out big wrapped submarine sandwiches and cups.  She added a big flagon of tea.  “I got you Rom black tea on ice.  The subs are just sprouts, tomato, onion, green peppers and my secret sauce.”

The whole crew fell to.  One stared at Caramel and stated, “That sauce is something else!  I never had a sub that good before!”

Caramel nodded happily and hoofed out popped barley and almond bars as a desert.  “I will be having these and the subs in my restaurant.”

The worker's buddy just grabbed him and hauled toward the work site.  “Come on, guys!  We have a restaurant to build!”

Houser observed, “That is the most enthusiasm I have seen in one of my work crews in a long time! If you keep supplying lunches like this, I will be needing to beat away would be workers with a club!”  He chuckled.

By early afternoon the old building was totally cleared away.  The ground of the entire lot was being probed by unicorns with pest control certification to locate and destroy problems like termite nests and ant hills.  They found only a little to deal with.

Soon the batter boards were up and the string layouts for the building to come were being set.

An ill favored unicorn with blotchy pastel blue fur and a stringy purple mane strode arrogantly up.  He had a large so-called “Celestian” medallion on and wore scarf like cloth called a stole, richly ornamented with “solar” designs.

Lifting his nose as if he smelled something foul, he demanded, “I am Junior Priest of Celestia's Holy Truth, Hillbury.  You are late with your freely given good will donation of 100 golden bits to our Church.  You were instructed to deliver the payment in coin to the Church no later than noon!

“You are in serious danger of having Celestia's Blessing on your enterprise withdrawn!  Disaster is sure to follow!”

Caramel smiled as she pulled out her police whistle.  “Really?  We must put that to the test.

“You do know that you are violating the protective order of Judge Coldheart.  I am sure that you also know that your demands and threats make your so called freely given gifts extortion.  That is a felony.”  She blew a shrill, warbling blast on the whistle!

Junior Priest Hillbury snorted, “The orders of a Lesser Being have no authority over a True Unicorn!”

He reared impressively, gathering his dirty yellow magic about his horn.  He lashed out at the work site, snapping the carefully set strings and knocking over two of the batter boards!

Caramel reared too!  Her right hoof slashed out in a straight punch to the side of Hillbury's neck!

He was driven from his legs, falling heavily!  Caramel leaped in gracefully and struck a light blow up high on Hillbury's neck, just under the skull!  She followed with two quick taps beside his horn, one on each side of it!

The Junior Priest was struggling in vain to rise.  Caramel slapped his head!  “Now that I have your attention, LISTEN!  Your LIFE depends on it!  If you try to use your magic at all, you will die!  

“I have temporarily disabled your horn!  If you try to use it, the magic backblast will destroy your brain.  You can feel it, like a horn tangle.  This cannot be undone like a tangle can.

“Quit wasting your effort to get up too.  I partially paralyzed you with a nerve strike.”

“You cannot do this to me!  I am a True Unicorn and you are a mere Lesser Being!”

Constable Crager came up on the run!  He snapped, “I heard that!  You are charged with violation of the Edict of Equality!”  Staring at the ruined work, he asked, “Did he do this?”

Caramel replied, “Yes, Sir, he did.  The damage is about fifty bits.  Not a lot, but the vandalism is part of a larger scheme.  Here is their demand complete with the threat of damage.  The original is in my file entered by Judge Coldheart.

“Besides that, he was violating this protective order issued by Judge Coldheart.  If you look to section three, you will find the authority to charge felony extortion in such a case as this.”

Constable Crager replied sourly, “I see it.  Wish that I could call a tumbrel to haul him away. These so called Celestians are becoming a real nuisance.  

“They have been stirring up anti goat problems too.  Had three mobs in the last two months.  One of them actually killed a goat.  Goats may not be the best sorts but they are covered by the Edict of Equality and deserve better than these unicorn supremacists are giving them.”

Caramel was watching the fallen Junior Priest.  “Umm, Constable, it would be a good idea to get a horn cap on the prisoner and get him into manacles.  He won't stay paralyzed forever, unfortunately.”

Caramel paused, thinking back to what the constable said earlier.  “You can call ahead, Sir.  I had this lot equipped for Magic Net so that Houser could order supplies if he needed them.  I have a mirror right here.”

She fished the Magic Net mirror out of her saddlebag and hoofed it over to the constable.  Constable Crager smiled as he tapped the necessary codes into the mirror.

He briefly filled in the police station on the situation and requested, “Right.  318 Mane Street. An open tumbrel.  The prisoner has been temporarily disabled by a known Han Fu expert.”

Soon the prison wagon arrived and Houser's unicorns from his work crew helped to load Hillbury and secure him for transport through the center of town to the jail.

They were just getting ready to quit for the evening when a black and blotchy pink pinto pony in a suit and carrying a briefcase showed up.

He offered a card.  “I am Partin Cumpny.  I have been retained by the Celestian Church to represent them.  I have been instructed to require you to pay your agreed upon freewill gift to the Church and further to drop all charges against Junior Priest Hillbury.”

Caramel smiled but only with her mouth.  “Apparently they forgot to mention a few things and misrepresented another.

“First, I have a protective order against the Church and its membership for direct threats to the business that I am starting.  

“Secondly, in the protective order, in part three, the so-called freewill gift of 100 golden bits a month to be given for the purpose of “preventing certain disaster” is specifically defined by Judge Coldheart as criminal extortion.

“Thirdly, the junior priest in question, not only made the same criminal demand that you just did, he committed direct vandalism of my work site when he was refused. Along with that, he violated the protective order, and the Edict of Equality.”

Mister Cumpny took the time to look over Caramel's paperwork.  Sourly, he tried, “You caused the junior priest paralysis, incapacitated his horn, and caused major embarrassment to both him and his Church.”

Caramel reminded him, “He reared up and used his magic to vandalize my new shop's layout work. I used a Han Fu cross punch to knock him off his feet, a high nerve pressure thrust to temporarily paralyze his legs, and a pair of nerve pokes that are specific to unicorns.  Those paralyze the nerves controlling the magic flow in the horn.

“Those actions were all in specific defense of both my work site and my contractor's work crew.

“The removal by tumbrel was the work of and at the request of the officer in charge of the case.”

Frustrated, he demanded, “Why didn't you change into a wolf and rend him?”

Caramel sat and put a hoof over her eyes.  “Are you really that stupid?  This is Equestria.  It is a land ruled by mostly just laws.  There are always idiots who try one way or another to end the rule of honest law.  Most of them are lawyers.  Ones like you.

“I did not turn into a wolf and rend him because we have laws that will do it far better and without giving anypony the excuse to try harming another.

“You know.  Laws.  Supposedly what you make your living by upholding.  Go away.  You make me ill to my stomach.  And I AM a werewolf.”

Mister Cumpny, having done his legal duty,  left.

Caramel serenely trotted towards home.  She was greeted at the Everfree Forest edge by members of the Stone Ridge wolf pack.  There followed the usual bit of butt sniffing and other greetings.  She indicated her saddlebags and ran swiftly for home!

She got to the door before any of the pack.  Inside, she shed the saddlebags and called, “Going to play, Mom!  Back after full dark!”

She returned to the front yard and joyfully joined the waiting pack.  They ran through the underbrush in almost ghostly silence, seeking the scent of prey.

Totally refreshed by her outing, Caramel returned to the cottage that had been her home for all of her young life.  The front door was broken in.  She overheard the ugly gangrenous green pony demanding, “You just keep your hooves to yourself, Ma'am!  That crossbow across the room will take you down along with your precious deadly monster of a daughter.

“We are going to destroy the beast and collect the reward for its head!”

Caramel waited silently to see if they would say more.  She already had everypony in the cottage located by the sound of heartbeats and breathing.

Stort snorted, “Hortimer gonna reward us royal for the brute's head!  We got it this time.  It gotta come in through that door and that is when we takes it out!”

Caramel skulked in utter silence around to the back of the house.  Her room window was open, as usual. Sniffing carefully, she spotted the scent of gang green, whoever, he was.  Then she saw it.  A thread was stretched across the open window.  Checking carefully, she found the crossbow that it was attached to the trigger of.

She returned to the front, where the nervous and trigger happy ponies were holding her mom and Nurse Fields.  Sitting out of sight of the damaged door, she leaned back and aimed her muzzle to the sky.  The long howl that she let out had an almost unearthly timbre.  It shivered and slid up and down a scale that no pony voice could hope to match.

Her call was replied to from several directions by the wolves of the Stone Ridge pack.  They all converged on her.  She signaled them to silence and led them to the cottage. She let them know of the dangers inside and gestured to the only path leading to Ponyville and safety.  The wolves fanned out silently to lay their hunting trap.

Caramel lunged in, nearly flat to the floor!  Hitting a brace with her forepaws she vaulted upward to strike the cottage wall, up high and rebound down from above and behind the green pony!

Her strike carried him from his feet!  His crossbow went off as it hit the floor!  The wildly flying bolt grazed Stort, leaving a bleeding wound!

In a panic, the blue pony dropped his weapon for greater speed as he fled up the trail!  In only moments they heard the ghastly scream of a pony in mortal agony! It stopped abruptly.

The green pony, laying on the floor could not rise.  Caramel had nerve punched him to keep him down.  He did weep.

“You killed Stort!  He was my brother!  You murdered him!”

Caramel put a huge paw on his head.  “No, we did not.  You and your schemes to kill me for some imaginary reward got him killed.

“If he had stayed here, he would be, like you, still alive.  He ran, like the coward that he was, abandoning you to the so called monster that has spared your life.  Twice now, unless I have missed my count.  That does not count your stupid business at the School.

“This time, I am afraid that I cannot overlook your plans to kill my mother and Nurse Fields, to silence the witnesses, along with the attempt to murder me.  I will press charges.  Mom will press charges and so will Nurse Fields.  I want you to go down hard!”

Out of the darkness came the flickering flare of torches.  “Halloo the house!  Is aught well here?  We ha' seen a blue pony dead by the trail.  Wolves, it wa' seem, took him down.”

Caramel stepped to the door and replied, “We are all alive and uninjured.  The house has been damaged and will need professional repair of door, frame and some connected masonry.

“The green pony inside, and the blue one that you found, broke into the house.  They took Brightmane and Nurse Fields prisoner.  Their plan, which they whispered and I overheard, was to murder me and take my head while making mother watch.  Then they were going to rape and murder mom and Nurse Fields to get rid of the witnesses.

“According to what I heard, High Priest Hortimer of the Celestian Church has put a bounty on my head but only to be paid if I am dead.”

Grimly, Heather Bloom, Duchess of Red Hoof, replied, “We did wonder at the fallen.  Fer he wa' taken by the wolves but nay preyed upon beyond the killin' o him.”

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What Are the Benefits of a Nurses Home Loan Program?  The Nurses Home Loan Program offers: Simplified processing for an efficient closeFlexible credit requirementsAvailability depending on your scheduleCredit score as low as 580 (depending on your program Very competitive interest rates and closing costsLowest down payment options availableDiscounted interest rates (option available)The ZERO PROGRAM (purchase your new home with no out-of-pocket expense)  Down payment assistant programs (multiple options available) 580 or higher credit score requiredGrant, subsidies, and concession programs to assist with your closing costs (options available)No mortgage insurance option for conventional mortgages with less than 20% down paymentNo upfront fees at the time of applicationNo rate lock feeThe Get Mortgage Ready ProgramFlexible underwriting (580 credit score options available)Low down payment mortgage options (starting at zero down payment, 3% conventional, 3.5% FHA)Mortgage credit certificate, an IRS tax credit up to $2000 for first time home buyers What Are the Nurses Home Loan Program Guidelines? This is not limited to just first-time buyersFor purchase or refinanceConventional, FHA, VA, and USDA Loan ProgramsNo income limit*Credit scores as low as 580 depending on the program, 620 or higher is recommendedDown payment options as low as 0 – 3.5% with a new 3% down option15 or 30 year fixed loan terms available as well as adjustable rate mortgage options Debt to income ratios as high as 56% Primary residences, condos (non-warrantable possible) or second homes onlySingle-family residences or 1-4 units only * Income limits and additional guidelines may apply if combining with down payment assistance, HomeReady or HomePossible program.

Who Are Eligible for the Nurses Home Loan Program? The following job descriptions are eligible to apply for the Nurses Home Loan Program: Nurses Physical Therapists Medical Assistants Specialists Orthodontists Endoscopy / Radiology Techs Lab Techs Chiropractors Dentists Veterinarians Hospital Employees  Pharmacists What Properties Are Eligible for a Nurses Home Loan?  Eligible properties include: 1-4 single family residence (SFR)Detached PUD/condosPrimary residences Ineligible properties include: Manufactured homes (occasional exceptions possible)Log homes or condotelsInvestment properties How Can I Use All My Nurse Pay to Qualify? Always remember to document your pay: Keep all pay stubs for the past 2-3 monthsFind your last pay stub from the prior year (it shows the year’s totals of your various income types)Get your W2s for the past 2 yearsRequest a letter from your employer stating your shift differentials and overtime are likely to continue (please note that many employers won’t do this)Give the contact name and number for your HR department to your lenderIf you’ve changed employers, find your final pay stub and the W2 from all your former employers over the past 2-3 years.      PRMI values the important work that you—our nurses and all the allied healthcare workers—do for our community. We’re determined to help you achieve your dream home for yourself and the people who matter to you. Call 302-703-0727 to get started today or you can APPLY ONLINE. John R. Thomas - NMLS 38783 Certified Mortgage Planner - Primary Residential Mortgage, Inc. 302-703-0727 DE Office / 610-906-3109 PA Office / 410-412-3319 MD Office 248 E Chestnut Hill Rd, Newark, DE 19713 Read the full article

[baby-onthe-brain]

Affording Baby

Originally Posted 12 March 2018

I’m not going to lie… This is the part that scares me the most. I’ve never been affluent, and there’s only one period in my life where I’ve been well off — a three-year stretch when I was a child myself. The topic of finances isn’t a comfortable one for me, and I’m routinely embittered about all the folks who seemingly have more than I do. 

Not necessarily material things, but also the experiences that financial freedom often grants. Things like routine travel expeditions, or not having to worry about going over your grocery budget and the successive awkwardness of having to ask the cashier to take some items off the bill. I’m trying to get better about it, especially since Rhys brought up a little while ago just how often I voice my opinions on it, but it’s still there in the back of my mind. I’m working on it.

I will not the first (nor will I be the last) to say that having kids is expensive. Really, really expensive. Children are a 20-year investment or longer, and you’d best be ready for the long haul (especially if the economy keeps going the way it is). Which is why when you’re actually planning for a baby, it’s a good idea to make sure you can actually afford one. Or two.

Or three. You know how it goes.

Now, I’m sure that you’re aware of the procession of mommy blogs out there that tell you “how to financially plan for a baby in 5 easy steps.” While these blogs are often repetitive and from an upper-middle-class perspective, they do have some useful advice. Some of the stuff I have to laugh at, like cutting down on routine unnecessary purchases (like mall trips or lattes) and setting that aside into a baby fund instead. Other stuff, though… That stuff is good.

One of the things that I’ve really taken to heart from my research is to accumulate essential baby things slowly over an extended amount of time. It would scar up anybody’s finances if you suddenly had to jam outfitting an entire nursery plus stock up food, and clothing, and diapers, and every other necessity under the sun into less than a year’s worth of paycheques. Getting the job done slowly ensures that you can do a little at a time, without the side effect of wincing whenever you see your bank statement. Well… As much, anyway.

I’ve been accumulating in earnest for a while now, and have been happy to discover that most of it can be gotten second-hand. This cuts down on costs incredibly, and I can help to reuse items that still have a good lifespan to them. Most of these financially-savvy mamas also recommend asking your friends and family for hand-me-downs, which I fully intend to do once I actually have a due date. Keep in mind that a baby shower, if you’re going to have one, will also help you accumulate smaller stuff. A friend of mine said that she didn’t have to worry about getting baby clothes because she’d gotten a whole stock of them as gifts. Score!

There is, of course, the necessity of actually looking at your finances. As I mentioned earlier, this is one of the scary parts for me. Rhys and I don’t exactly live in the lap of luxury; while we are comfortable, it’s an uneasy comfort that comes from a lot of organisation and budgeting. This is something we’ve earnestly taken to in recent months, revising our budget and figuring out down to the (useless) penny where our money is going and when. This new budget is still in its early stages, but it’s so far been helping immensely in making sure we can stay afloat and still get where we need to go.

One of the things that baby prep resources across the board (mommy blogs, books, web-based resources, etc.) have asserted is that you must reduce debt as much as possible. This to me is a no-brainer, but one that becomes rather difficult when you’re saddled with student loans you can’t pay out. My advice is to pay the smallest debt off first and work your way up. If you have a credit card, or somebody loaned you money, get those paid off first. Then, when you’ve gotten them out of the way, move the money you’ve been using to pay those off to the next smallest payment.

Of course, this entirely depends on how much you make, how much debt you have, and a whole slew of other things. I’m not a financial advisor by any means, so if you’re really in trouble financially, seek out help! There are hundreds of debt consolidation and consultation businesses available to you. For example, both Rhys and I are in the process of repayment assistance for our student loans, which means we don’t have to think about them right now. We wouldn’t be able to do anything about it anyway, but it’s nice to know that we’re not being thrown under the bus because we couldn't pay for our educations out of pocket.

One of the things that the baby prep book I’m reading (Rachel Pepper’s Ultimate Guide to Pregnancy for Lesbians) brought up is all the legal stuff you don’t really think about. Admittedly, I completely forgot to factor in stuff like wills, life insurance, and RESPs. Well… No, okay that’s a lie. I’ve had it in my head for years that the moment I conceive, I am going to open an RESP account for my baby. I don’t want them to have to suffer through student loans if I can help it. But, in the grand scheme of things when you’re already worrying about the money you’ll be spending on your little one in the coming months… Well. It’s a kick in the butt.

Thinking about things like your baby’s education when they’re not even born yet, or whether they’ll be able to get by if anything ever happens to you unexpectedly can be a bit of a stretch… But a necessary one. The book I mentioned before stresses how wills especially are important for LGBTQA+ couples, or other couples who underwent ART. The will is a legally binding document that makes your wishes known, and will hold up better in court, should the need arise, than a co-parenting agreement or a known-donor agreement. This is fundamental if you want your partner to have custody of your little one in the event of your passing, especially if they’re not on the birth certificate. Rhys and I have thought about what would happen, should our little one be left stranded without both of us. Not concretely, mind you, but we’ve at least broached the subject.

Wow, this post has turned way more into one of those mommy blog posts than I was expecting it to. Apologies, if that’s not what you were looking for!

Back to the topic, in general, though… I’m not going to say that if you follow the steps I listed above, or any steps found online or in books, that you’ll be completely financially prepared. If there’s anything working in childcare has taught me, it’s that kids throw curveballs just by existing. There will be moments where you’re wholly unprepared for a situation, and just need to roll with it. Doing what you can now will help take the strain off for sure, but don’t freak out if you haven’t paid off all your debt, or if you haven’t saved as much as you wanted. Life happens. Shit happens. It’ll be okay. Do what you can.

I think that one of the reasons why I even started writing this blog post, is because I’ve been coming up against a lot of doubt from myself and others recently. Working out the budget I mentioned earlier scared me shitless about how we were supposed to afford a baby with all the other stuff on top of it. In addition to that, when I asked a “friend” whether I should set up a crowdfunding button to go on this blog to help with the added cost of ART, she came back with a rather judgemental: “If you can’t come up with an extra $2000 for that,” (HA! If only it cost just $2000….) “then should you really be having kids?”

Ouch. Right to the heart of my anxieties. Thanks, I needed that. Please take your entitled, unknowledgeable ass right out of my house. Don’t let the door hit you on your way out. It’s not like I haven’t thought about this for DAYS on end and stretched and thought and researched…. No, I’m not like that at all.

I should have known better, to be honest.  This particular “friend” has no interest in having children herself or being around them for extended periods of time. She has frequently been seen rolling her eyes at all my preparatory excitement, and giving me long looks that essentially said: “oh my god this again?” Her comment really tore into me, though, like a good cat-scratch, and I find myself still thinking about it. I know exactly where I stand socioeconomically, and I know at least generally how difficult it’s going to be, raising a child. There are tons of considerations I’ve already discovered, and tons more that I haven’t even thought of. But if I’m going to let my financial situation forestall my desire to be a mother, do I really deserve to be one? Situations can change.

One of my favourite romance movies of all time, P.S. I Love You has this really exceptional scene in it that I’ve kept with me since seeing it the first time. Granted, the whole movie is about losing a loved one (spoilers?), but it doesn’t start like that. I’ve been thinking about it more and more, and it’s acted like a sort of balm against some of the bile coming from doubters, including my own anxiety.

It’s the opening scene, and Holly (Hilary Swank) is mad at her husband Gerry (Gerard Butler) because of something he’d said during dinner with Holly’s mother (Kathy Bates). Finally, it comes out that Holly is mad at Gerry because he said she didn’t want children right then (along with a slew of other semi-related issues). The scene shows that Holly is a planner, and a worrier, and frequently gets inside her own head and lets her anxieties get the better of her, and I feel that, girl. The whole opening scene is so relatable and almost perfectly voices my anxieties about preparing for a baby. What sticks with me most is what Gerry says though:

“People have babies with no money all the time…. We’re not a mistake just because we don’t have any money.”

You’ve just got to work through it. You’ve got to rely upon one another and support one another, and do what you can. Things will turn out one way or the other (even if you’re not a cute, carefree Irish guy). It may take longer than you want it to, like it will with us, but… You’ll get there. We will too.

Do you have any hacks or saving tips? Have you had similarly unsupportive friends? Let me know in the comments! I’d love to hear from you.

[themurphyzone]

Mayor Murphy Ch 7

Ch 7- Sing the Bells, Bells, Bells, Bells of Fortuna Part 2

Sara shook the peach tree across the river from Town Hall, storing the golden peach in the first compartment so she could easily find and plant it later. She’d need a large space for it, preferably roped off with caution tape so it didn’t die from unforeseen circumstances. “Yo, Cesar!” she called to her passing roommate. “My favorite mustached gorilla!”

Cesar beat his chest in pride. “Yup, the one and only! What’s up, highness?”

Sara offered him one of the regular peaches. “I’m trying to make some Bells for my little brother. Do you have any non-native fruit on you?”

“Got a coconut leftover from the island. Cesar Crash is useless against this tough nut.” To demonstrate, Cesar slammed the coconut against his head. It wasn’t even cracked. “And I’ve been hungry for a while now.”

Sara and Cesar swapped fruit. The peach was instantly devoured. Sara secured the coconut in her pouch, surprised that she wasn’t weighed down by it at all.

After parting with Cesar and shaking several more peach trees, Sara checked the Town Map that had been included with her pouch, finding that Re-Tail was to the west of the Plaza.

Re-Tail turned out to be a small, bright pink building. A heart was carved into the wooden door, the letters ‘R&C’ lying in the middle. Inside, a tiny raccoon that resembled Tom Nook was selling a battered old radio to a kindly looking llama with thick pink wool.

Sara prayed they didn’t trigger another llama incident.

“I can offer 175 Bells for this tape deck, Timmy,” she explained. “Or would you rather set your own price and wait for somebody to buy it?”

“I’d like to sell it for that price please,” Timmy said. Sara had seen a lot of strange things in Crossing Valley, but she was still pleasantly surprised at Timmy’s polite businesslike tone. Even then, high-pitched voices were hard for her to take seriously.

The llama nodded. “Okay, dearie. And thank you so much for your hard work. You’ve learned a lot from your uncle, I can tell. Say hello to Tommy for me!”

“I will, Mrs. Reese! I will!” Timmy squeaked, stuffing the bells into his apron. He turned to leave the store, holding out his paw to Sara. She shook it gently. “You’re new to town, yes?”

“Yes,” Sara confirmed, trying not to comment on how adorable he was. “I’m Sara Murphy.”

“I think Uncle mentioned you!” Timmy exclaimed. “He said you’re the mayor’s older sister! I have to get going, our stock isn’t going to organize itself!.Swing by the Nookling Junction sometime! Happy to meet you, so happy!”

Sara bit her tongue to stop herself from squealing over his cuteness. “Sure! I’m happy to meet you too!” Timmy waved his tiny paw and exited Re-Tail, whistling cheerfully.

“Welcome to Re-Tail!” Reese smiled. “It’s such an honor to meet the mayor’s sister!”

“Um, yeah,” Sara said awkwardly. “So do llamas always run shops in Crossing Valley?”

“Just in certain towns within the time stream,” Reese replied. “Before that, animals used to sell their things directly to Nook! Can you imagine selling a prized rare coelacanth to that old Bell-pincher? Because I certainly can’t! And just to be clear, my Cy-guy and I are alpacas. Not llamas.” She laughed airily.

Sara grimaced at the thought of having to see Tom Nook more than she had to. “Yeah, sorry about that. We had a bad experience llamas about a year ago. It’s a long story.”

Reese nodded. “Understandable. If you have any items you need to sell, come to Re-Tail. You can also sell to the Nooklings, but I wouldn’t recommend it. They can only pay a tiny portion of the selling price. In addition, we pay a premium for one item a day. The item will be listed on the board just outside the door.”

“So what about the items behind you?” Sara asked, noticing a small bed and a chair up for display. Apparently Marshal had been doing a lot of redecorating.

“This is the fun part!” Reese exclaimed. “You can also put items up for sale so that others can buy them and set the price yourself. There’s another service we offer, but right now my poor Cy-guy worked himself to the bone with that new paint job and is taking a small nap. When he’s ready, he can tell you all about refurbishing your items.”

She gazed into the other side of the shop, where a blue alpaca was sprawled across the workbench, snoring loudly. A small fleck of drool dropped onto a power drill beneath him.

“Your Cy-guy, huh?” Sara asked, flinching when Reese suddenly pushed her snout into her face.

“Cyrus, my husband,” Reese growled, her voice low. Sara could practically feel the word ‘doom’ emanating off her wool. “Don’t even think about disturbing him.” She was suddenly unlike the matronly Reese she had seen before.

“Uh, okay, leave him alone. Sure,” Sara backed up, opening her pouch. “How much for these peaches and coconut?”

“Let’s see, so you want to sell 20 peaches and a coconut? So that’s 2,000 for the peaches, and including the premium for the coconut, that puts the total value at 2,500 Bells. Unless you want to sell your perfect peach too?”

“No, I was going to plant that. Try my hand at gardening,” Sara admitted. “2,500 Bells is fine.” 

Reese placed all the fruit in a large basket, setting it on a table. She produced a Bell bag from her apron, handing it to Sara. “If you’re going to plant that perfect peach, first you’ll need a shovel. I’d suggest visiting the Nookling Junction on Main Street.” 

Sara turned to leave. “I will. Thank you so much!” 

“No problem, dear. And make sure you tell any of your female friends to leave my Cy-guy alone!”

Zack stared apprehensively at the fishing pole in his hand, then at Del. “You wanted to make money, gronk. Lucky for you I had a spare fishing pole lying around,” Del grumbled. He cast his line into the ocean with a lazy flick of his wrist, reclining against the banana tree behind him. 

“Shouldn’t there at least be a hook or bait somewhere?” Zack asked, paling when Del pulled up a large green fish. 

“Ugh. First rule of fishing,” Del said as he tossed it back into the ocean. “Sea bass are complete garbage. Only good for bottom feeding and not much else.” 

Zack swallowed, mentally counting to three before he threw his own line. The bob was barely in the water, but a tiny shadow approached it anyway. He pulled it out, and the shadow sunk back into the depths. “Oops,” he chuckled. “Guess I’m just a bad fisherman.” 

“Nonsense,” Del mumbled. “Just need a little practice.  Watch for a large splash. Don’t reel in too early or it’ll get away.” 

“Um, right,” Zack kicked a seashell aside. This time he stood where the tide splashed his sneakers. He threw his line out as far as it would go, a red fin peeking out of the water. It touched the bob twice before Zack saw a large splash, and the pole bent as Zack yanked up while the fish swam in circles. 

Finally a red fish broke through the surface, the momentum sending it flying in Zack’s face. “Oh, snap!” he screamed and dashed behind a rock, wiping his nose with a sleeve to get that icky feeling off. He could feel the slime oozing into his pores....

Still hyperventilating, he watched Del remove the fish from the abandoned pole and hold it up by the tail. “So you’re one of those guys who puns after every catch?” he said in disapproval.

“I wasn’t punning,” Zack retorted. “It’s a natural reaction when a fish comes in ten feet of me.” 

“Funny choice of words there, gronk. That was a red snapper you caught there. Uncommon, but worth a lot more than sea bass. Worth 3000 Bells too. That’s over the amount you needed.” 

“Well, yeah. I’m glad it only took one fish, but....” 

“Not you too!” Del moaned, his jaws snapping in irritation. “Ugh, I knew a gator with ichthyophobia once too and he was just as much of a pain in the scales.” 

Zack chuckled, his shoulders relaxing. “So how much of a pain in the scales am I compared to him?” 

Del thought for a moment. “You don’t even compare, kid. He was worse. At least you seemed to like my electric guitar collection. Anyway, let’s get this darn fish to Re-Tail. I’ll carry it, I don’t mind sliming up my pockets but I guess you care a bit more. And after that I’m showing you how to catch bugs. Maybe you’ll stink at it less than fishing.” 

“I thought you said I just needed a little practice?” Zack laughed. 

Del crossed his arms. “No. You are definitely the worst fisherman I’ve ever met.”

“Hi, Melissa. What are you doing, doyoing?” Coco asked curiously. Melissa slammed the shovel against a rock, the recoil sending her stumbling back into a tree. A pill bug popped out and burrowed into the ground. 

Wiping her forehead, Melissa leaned against the handle in exhaustion. “What’s up, Coco? Diana put me up to it. She’s looking for gold ore so she can have a 24-karat bathtub. And I need at least 2000 Bells to help with Milo’s down payment.”

“Do not mock the centerpiece of my dream home,” Diana said sternly. “Ms. Nintendique says a golden bathtub is absolutely vital for soft fur. But seeing as our mayor needs a home, I would graciously allow her to give him any Bells we find on our outing.” 

“Karat?” Coco wondered. “Is that edible? Diana, you’re so funny! Just because I’m a bunny doesn’t mean I want to have a bathtub made of carrots! How would it hold the water?” She tilted her head back and laughed, the pitch black hole where her mouth was supposed to be not moving. 

Diana’s ear twitched. “It is not a vegetable, no doy. It is a measurement that determines how pure gold is.”

“Oh, I guess it’s right up your alley then, Diana!” Coco exclaimed. 

Diana’s lip quirked up. “Ladies do not have alleys. We have balconies. Now, we have attempted this rock many times and come up empty. Let us move onto the one by the bridge.”

Coco wanted to try, so Melissa gladly surrendered the shovel to her and sat on the ground next to Diana, who’d set up a folding chair in the shade. The rabbit only tapped the head of the shovel against the rock. “You have to put your muscles into it!” Melissa shouted encouragingly. To herself, she questioned if Coco had any muscles with that brown, crumbly body of hers. 

Obviously she’d need some kind of muscular or skeletal system to hold her up. 

When the rock by the bridge didn’t yield anything, they moved onto the rock just south of Re-Tail. Coco prepared to hit it, but Melissa noticed that one of her long ears (Growths? Weirdly shaped horns?) had a crack running through the middle. 

“Coco, you have a crack in your ear. You might want to go take care of that,” Melissa suggested. 

“Thanks for the warning. Don’t worry about me. I have special patches at home for this sort of thing,” Coco said, giving the shovel back to Melissa. “Good thing it’s just my ear this time and not my legs.” She bowed politely to Diana and left. 

“Before you ask dear, there was-how shall I say it-incident a few weeks ago where Coco’s legs were stuck in a deep hole when she stepped on a pitfall seed. She hauled herself out of the hole but without her legs. She managed to drag herself to Cesar’s house and scare the daylights out of him,” Diana explained. “Isabelle and I had to retrieve her legs and handling those was not good for my manicured hooves.”

Melissa paled at the thought of Coco lying in the grass without her legs, creeping along like a zombie straight out of bad horror flicks she and Milo liked to watch, those empty gaping holes in her head gazing skyward....

She quickly hit the shovel against the rock, shattering it into several small pieces. Digging through the rubble, she uncovered a jagged blue crystal. Diana clicked her tongue in annoyance. “A sapphire. Not remotely what I desire.”

“Looks valuable enough.” Melissa carefully stored it, taking care to avoid the sharp points. “This should put me at 2,000 Bells. Hope Milo’s doing okay.”

“There! We’ll duck into Town Hall! They’ll go away once we take shelter!” Marshal screamed. “This is why fruit trees are the only kind of trees that can be trusted, sulky!” 

While they were shaking trees to collect Bells, Milo had accidentally disturbed a beehive. As a result, they were now fleeing from an incredibly swarm of stinging insects. He was fairly certain that Sara was going to lecture him later about leaving the smoker and beekeeping suit at home. 

“For someone who’s being chased by bees, you look awfully calm about it right now!” Marshal panted, falling a few paces behind Milo. He grabbed the squirrel’s paw and pulled him along so the swarm wouldn’t catch him. 

Milo shrugged. “This isn’t the first time I’ve been chased by a swarm of bees. There was that time Dad forgot his lunch and Mom and I went to deliver it to him when the construction site he was inspecting was engulfed by a swarm after a pipe had been dropped on their nest. Oh, this one’s a good one. There was another time these kids were building a Time Bee-hicle made entirely out of honeycomb and they invited practically every Dr. Zone fan in the Tri-State Area to come and see. Sara’s got all the pictures if you wanna see sometime. Long story short, a group of honey badgers that had escaped from the Danville Rescue Center hijacked the Bee-hicle and drove it into a truck transporting hives to various honey farms. You can probably guess what happens next.”

Finally reaching the pavement in front of Town Hall, they scrambled for the doorknob. “Hurry, the buzzing’s getting louder!” Marshal glanced over his shoulder to find that the swarm was becoming more frantic as they closed in. The door finally swung open, and they rushed inside, surprising a sleepy Isabelle. 

Milo tripped on the welcome mat as soon as he was inside, and Marshal nearly stumbled over him as well in his haste to close the door. As a precaution, he also bolted and locked it, setting a potted plant in front of the door for good measure. The swarm buzzed angrily outside before slowly dissipating.

“Hello, Macaroni,” Isabelle yawned, clutching the pencil bag she was using as a pillow. “Can I have you as a side with baby back ribs and a doggy bag please? No, not for me silly. I don’t think they make doggy bags large enough for secretaries.” 

“Sorry to barge in, Isabelle,” Milo said. “But we were out gathering Bells and we managed to disturb a beehive. We’re just hiding out here until they go away.”

Isabelle giggled. “That’s okay, Macaroni-” Suddenly her eyes shot open, and she fumbled with a paper that had stuck to her face while she was asleep. “Maca-uh, I mean, Mayor! Great to see you, Mayor! I’m so sorry I fell asleep when I was supposed to be doing paperwork! It won’t happen again, I swear! I’ll drink more coffee from now, ugh, but we need the Roost because nobody brews a mocha like Brewster!” 

“You should take a rest,” Milo suggested. “I don’t mind.” 

“He’s right.” Marshal took a sip out of the water cooler by the door, giving a cup to Milo. “You work yourself to the bone. If the prettiest secretary in the world were to faint from sleep deprivation, I might just have to play the gallant prince who wakes her up with a true love’s kiss.” 

“Teehee! You two are sweeter than my mother’s chocolate cake! While you’re here, can I get you anything?” Isabelle laughed.

Marshal leaned against the counter with one elbow, sighing. “Milo here doesn’t have a tool to make Bells quickly. I was hoping you would show us some of that generous nature that is this fair land’s pride and joy.” 

“I do have this bug net.” Isabelle pulled a large net out of her pouch, examining the handle carefully. “But with my secretary duties I’ve been too busy lately to actually go out and catch a few butterflies. So just this once, I’ll be more than happy to gift this net to our esteemed mayor!” 

Milo swung the net experimentally, knocking over a portrait of Tortimer. Isabelle yelped and rushed to restore it to its proper place. “Wow! Thank you so much! Sorry about the picture.” 

“No trouble!” Isabelle grunted, hefting the frame back onto its hook. “You just worry about getting those Bells! Don’t mind me!” 

Saying goodbye to Isabelle, they opened the door a tiny crack to check for bees. Marshal sighed in relief. “They always give up if you can make it to a building. There’s a good side to this. We can backtrack and pick up the beehive. Sells for the same amount as non-native fruit.” 

“That’s good,” Milo said, humming lightly. “Hey! A butterfly!” A small white butterfly fluttered by, landing on Milo’s nose. 

Marshal waved his paw in front of Milo’s face, gently shooing the butterfly away. “Common butterflies don’t sell for that much. What we need is an Agrias or Raja Brooke. It might take some time though. They aren’t exactly common, sulky.” 

“It’s no issue!” Milo said, carefully picking up the beehive. It was slightly sticky, so he also wrapped it in in plastic before placing it into his backpack. 

They waited for ten minutes before a blue and red butterfly flew past, landing on a yellow rose in the shade of a tree. “That’s an Agrias! We’re in luck!” Marshal whispered excitedly. “Catch it while it’s resting, because this species tends to be rather fast.” 

Milo slowly inched forward, his net raised above his head. He swung too soon, the net landing on the grass in front of the flower. The butterfly took off, its wings beating furiously as it tried to escape. “After it!” Milo hollered. 

Marshal whipped out his own net and swung at the butterfly, the head slamming onto a tree trunk instead. He growled in frustration. 

The butterfly quickly zipped across the bridge. Milo almost tripped on the cobblestone, but caught himself just in time. 

“Don’t let it escape to the ocean!” Marshal yelled, swinging his net in random directions. There was a soft thud, and Marshal chuckled nervously. “Well, fancy meeting the Huntress here,” he said to a scowling Diana. “If you’ll excuse me, madam, I must help Milo catch a butterfly, but you are always welcome to watch.” 

Diana made an indignant noise and turned her back on him. 

“We’ll catch up later,” Marshal winked before rejoining Milo, who’d finally caught the butterfly just as it reached the cliff. Marshal pulled Milo back before he could fall over the edge. 

“I caught it!” Milo exclaimed, peering into the net to see the butterfly resting at the bottom. He dropped it into an empty glass jar, adding a few green leaves and flower petals as well. 

“You’re a natural!” Marshal exclaimed. “Best bug catching I’ve ever seen!” 

Del, who was watering flowers nearby, rolled his eyes. “You almost trampled my tulips, hit Diana in the face, and nearly fell off a cliff. I thought Zack’s fishing skills were abysmal, but you’re giving him a run for his money with your horrible butterfly catching.” 

“Spoilsport,” Marshal muttered. 

Once it was evening, the group met up at the Plaza to pool their earnings. “I heard about your bug catching exploits,” Sara said to Milo. “I told you we should’ve brought the beekeeping suit and smoker.” 

Melissa imitated Diana’s posh accent, pretending to sip from a teacup with her pinky extended. “’Ladies do not hold grudges. However, the next time I see that flirtatious squirrel I shall hang him up by the tail and leave him on the clothesline.’ Her words, not mine.”

“Del just likes to hear himself complain,” Zack said. “But he’s kind of nice once you get to know him.” 

As they recalled their adventures, Milo gathered the 10,000 Bells he needed. Sara, Melissa, and Zack had tossed all their Bells in, but Milo insisted that he only wanted the original amount they’d agreed upon. 

“I couldn’t have done this without you guys!” Milo exclaimed. “Thanks a lot!” 

“Come on, bro,” Sara grinned. “I believe there’s a raccoon who owes you a house.” 

Ten minutes later, Milo proudly handed the entire down payment to Nook, whose eyes gleamed happily at the money bag before him. “Yes, yes! Everything is in order! Work shall begin at once, hm? Before I phone the construction company, you may also select the color of the roof! We only offer red, blue, yellow, and green at the beginning, but you can always customize it to your liking later on!” 

“I’d like red please,” Milo replied. 

“Red it is!” Nook wrote it down on a post it. “Your new home will be ready by morning. Come back tomorrow so we can discuss the cost of your first home loan!” 

“Wait, tomorrow?” Zack asked. “There’s no way anyone can build something that quickly!” 

Sara put a hand on his shoulder. “You obviously don’t hang around inventors.” 

“I’d better find a place to sleep tonight,” Milo said. “Can I crash with one of you guys?” 

Nook chortled. “No need for that. You won’t even know there’s construction surrounding you! I guarantee they won’t disturb your sleep.” 

“Things work differently in Crossing Valley,” Melissa said. “You’ll feel so much better once you stop questioning it.” 

In which Diana holds a grudge, Del is a grump, Marshal flirts, Coco is nice but creepy, and Cesar is Cesar. 

[compare-wp10]

COVID what's next: Can NJ unemployment handle second-wave shutdown?

See on Scoop.it - COMPARE RISK COMMUNICATION

COVID what's next: Can NJ unemployment handle second-wave shutdown? Trenton Bureau Published 5:00 AM EDT Aug 11, 2020 Editor's Note: COVID-19 killed tens of thousands in the Northeast, caused massive unemployment and wrecked the economy. In an ongoing series of stories, the USA TODAY Network Atlantic Group, 37 news sites, including the APP.com, in six states, examines what the government got wrong in its response to the virus, what policies eventually worked — and why we remain vulnerable if the coronavirus strikes harder in the fall. School bus driver Suzanne Van Housen was laid off in March. She thought at the time — worst case — she would be back to work in September when schools reopened.  But coronavirus pitched the Hawthorne resident's worst-case scenario into uncertainty. Schools are opening on modified schedules or may not open classrooms at all. Van Housen doesn't know if she'll have a job on the bus or as a lunch aide, another part-time role she took to help support herself, her husband and 6-year-old son.  “Both my jobs, I probably lost them," she said. Van Housen, 52, is one of the 831,000 New Jerseyans put out of work because of the virus, which shuttered businesses, restaurants, schools and entertainment venues leading to economic calamity. In just a few months the virus set the state's employment rolls back to where they were 35 years ago. The economic devastation makes the Great Recession of the late 2000s look puny and steals the title of worst recession since the Great Depression, according to Rutgers University economist James W. Hughes. The implosion has state leaders scrambling to account for projected revenue shortfalls in the billions without a surplus to cushion the blow, and left people who lost their jobs waiting for money from an unemployment system that often fails. Whether, or when, the turmoil ends depends on the virus and the federal government, economists say. Each coronavirus flare up brings uncertainty. A strong second wave in the fall, as some public health officials predict, would ravage the already reeling state. And this time there may not be an expansive federal stimulus plan to serve as a lifeline. Negotiations in Washington faltered leading to a piecemeal approach of executive orders from President Donald Trump. Surging cases elsewhere have threatened the meager number of jobs gained as the Garden State reopened, according to a Rutgers report co-authored by Hughes. Unemployment: Thousands of New Jersey workers waited months for help, with no answer More: Will NJ be prepared to test and trace a second wave of cases? Van Housen is one of tens of thousands of workers still waiting and wondering if help promised in the nation's $2 trillion federal stimulus plan will come, let alone looking toward a second wave. Van Housen, who made $19 an hour on the bus and $18 an hour in the lunchroom, says she is owed about eight weeks of unemployment because hers expired and the extension guaranteed in the stimulus plan didn't happen automatically for her, as the state said it would. So, she was left redialing the state unemployment office.  “They just tell me to wait," she said. "I call every week.”  Story continues after the chart. 'They need to be better prepared' New Jersey's unemployment system couldn't keep up with a tsunami of workers who lost their jobs, were furloughed or had their hours cut. The 40-year-old computer system crashed as claims filed just in the first week of the economic shutdown grew 1,500% over the prior week. Nearly 156,000 claims were filed the first week of widespread business closures, dwarfing prior periods of job loss. After Superstorm Sandy claims spiked to 46,000 in a single week. Amid the Great Recession of the late 2000s claims shot to 25,000, according to the New Jersey Department of Labor and Workforce Development.  But coronavirus seemed intent on breaking its own unemployment records week after week. New claims grew until they peaked at 215,000 the week of March 29. COVID-19's impact, unlike other economic catastrophes, was sudden and swift in its impact, according to Luis Portes, professor of economics at Montclair State University. "Unlike the Great Depression and the Great Recession, both of which took months to reach the bottom of the downturn, the speed and depth of the recession induced by the pandemic has not been seen before," he said.  Between February and April, the state shed twice as many jobs as it had added in the prior 10 years, from 2010 to 2020, according to the Rutgers analysis. The unemployment rate — previously a record low at 3.7% percent — exploded to 16.6% by June, second highest in the country and well above the national average of 11.1%, according to the federal Bureau of Labor Statistics. The state unemployment rate during and in the months after the Great Recession hovered just under 10%. While sprinting to keep up with new claims coming in, simultaneously the state labor department had to shift its own staff to work from home and figure out how to distribute benefits through new stimulus programs created by the federal government. There weren't enough employees in the department to keep up with calls coming in, a labor department spokeswoman said, and the 1980s computer system that runs benefits programs repeatedly crashed. State leaders, including Gov. Phil Murphy, had been warned the computer systems were old, but failed to fix them in time.  Dana Reyes, 52, worked at the human resources firm Korn Ferry, supporting Teva Pharmaceutical Industries in Parsippany, before she was laid off in April. She was not able to claim benefits, despite repeated calls to unemployment offices seeking help. "It was just impossible to get through," she said. Finally, one day in mid-July, Reyes called from two phones one minute before agents started their workday. Someone picked up, said her claim would be "escalated," and it'd be another 10 days to find out if she would get benefits, Reyes said. Those days passed and still Reyes has not received unemployment. “I get this is unprecedented, nobody saw this coming, all these other states are going through it as well," she said. "It just goes to show you the system is broken. The government, they need to be better prepared.”  Financial aid to families, and computer fixes The federal government stepped in to put more money in peoples' pockets with the $2 trillion Coronavirus Aid, Relief, and Economic Security (or CARES) Act in late March. The CARES Act included financial relief for states, industries and direct assistance for individuals. It sent $1,200 to workers, supplemented $600 for weekly unemployment benefits, expanded the types of workers who could collect unemployment and lengthened the total time someone can get benefits.  The state also made benefits available for another 20 weeks, meaning people can claim more than a year's worth of benefits. COVID what's next: What went wrong during first spike and how Northeast is preparing for another More on the economy: How will NJ businesses survive a second wave? In about five months the state distributed $13.2 billion in benefits to more than 1.3 million people — more than the $8 billion paid in an entire year after the Great Recession, according to Angela Delli-Santi, a spokeswoman for the state labor department.  Those successes were largely overshadowed by the turbulent rollout of benefits. New Jersey hired a call center to help manage the flood of questions coming in by phone, created how-to guides in several languages for claiming benefits and added a chatbot to answer questions online. Citing the thousands of residents who were unable to get unemployment, the Legislature in June set aside an additional $4 million for the Department of Labor. Delli-Santi said the funding would "bolster our staffing and technology capabilities." A second wave without a stimulus? There is only so much states can do to prepare for economic trauma, said Hughes, the Rutgers economist. The best way to restore the economy and jobs is to contain the virus, he wrote in a recent analysis. Stashing billions into a surplus fund would likely only help a state survive for a short time, given the devastating drop the coronavirus has had on state revenues, he said. Story continues below the chart. New Jersey expects to have a nearly $1 billion surplus when the current fiscal year ends in September, nearly double what state officials in May expected was possible. That will hardly cushion a projected $7.2 billion decline in state tax revenues in the following year. While tax revenues have declined year over year, there's uncertainty about what will come to fruition and how hard revenues will be hit. As of June, the state's collections from major taxes was $29.78 billion, down $3 billion, or just over 9%, from last year, according to the state Treasury. Some of that decline was likely because the income tax payment deadline was moved from April to July, and the state expects to make up some of that shortfall when those payments have been counted. The sales tax also performed better than originally expected, which the Murphy administration attributed to gradually reopening the economy. Through June, collections of $8.8 billion were $147 million less than the same period last year, a decline of less than 2%, according to Treasury.  If the virus hits again in a strong second wave this fall, the projected shortfall could grow another $1 billion — to $8.3 billion, according to a May analysis published by Treasury.  Story continues below the chart. And it's uncertain exactly how far the federal government will go to help again after stepping in earlier this year to spread stimulus dollars to industries, states and households across the country. Lawmakers in Washington for weeks debated the details of a replacement program before negotiations fizzled. One of the key issues that divided Democrats and Republicans is whether the $600 weekly benefit supplement should be extended. Some Republicans argued the benefit should be reduced to $200 because of a concern that paying more incentivizes people to stop working.  After negotiations broke down last week, Trump on Saturday signed executive orders extending some of the stimulus’ provisions, including a $400 weekly supplemental unemployment payment that would be paid from federal emergency funds and states’ coffers. The orders, which some Democrats have challenged as unconstitutional because it is Congress’ job to make appropriations, fall short of an expansive package that would help businesses and states withstand a second wave of economic trauma.  "Let’s be clear about something: States are going broke and millions of Americans are unemployed yet the solution called for states to create a new program we cannot afford and don’t know how to administer because of this uncertainty," Murphy said Monday. "I cannot sit here right now and say New Jersey could afford to participate in this program." Economists say federal aid money is crucial for New Jersey workers and employers should there be another wave of the virus. The resurgence in New Jersey and elsewhere could further chill consumer spending and lead to more layoffs in the private sector, Hughes said.  "I think the virus upsurge has changed their attitude of how fast the recovery is going to proceed and they're sort of hunkering down for a long slog back," he said. Jenkins Jose Kolongbo is a catering worker for United airlines. His hours have been cut because of Covid-19 and he's having trouble paying bills and supporting his family in Liberia. Photographed in his home in Newark on Tuesday, August 4, 2020. Danielle Parhizkaran/NorthJersey.com One of those companies, United Airlines, warned it would lay off a third of its overall workforce on Oct. 1, citing the sharp decline in travel because of the coronavirus. The airline, the dominant carrier at Newark Liberty International Airport, employs about 14,200 people in the metro area and received $5 billion in federal stimulus funds. Jenkins Jose Kolongbo, 36, of Newark, has worked for United for three years ensuring airplanes are stocked and ready for flights. He said his hours were cut from 40 to 30 each week during the pandemic, making it a challenge to pay his rent, car insurance and car loan. He recently found out his name is on the list of workers to be laid off in the fall. Kolongbo sends money home to support three children, his girlfriend and other family members in Liberia, but he's not sure that can continue. “After September," he said, "I’m not going to be able to support them."  Stacey Barchenger is a reporter in the New Jersey Statehouse. For unlimited access to her work covering New Jersey’s lawmakers and political power structure, please subscribe or activate your digital account today. Email: sbarchenger@gannettnj.com Twitter: @sbarchenger  Published 5:00 AM EDT Aug 11, 2020

[kuwaiti-kid]

Buying a Condo as an Investment Property? Here is What You Need to Know

Buying a condo can be an excellent way to start investing in real estate if done correctly.

With government-subsidized 30-year mortgages and tax-deductible mortgage interest, buying a rental property is by far the most accessible way for people to invest in something with tangible leverage. It’s no surprise that there are thousands of sites like Bigger Pockets dedicated to real estate investing in all of its forms. 

But, even if you start Googling like mad, you won’t see very much about investing in condo rentals. They have historically been an unpopular choice for real estate investors for a couple of reasons:

Condos have homeowners association (HOA) fees that make them more expensive to own on paper and make it more challenging to satisfy the 1% rule (which basically states that the monthly rent from a property should be 1% or more of the purchase price)

Multi-family properties (duplexes, triplexes, apartments, etc.) have built-in advantages of scale. With a duplex, you have two units to rent out or live in, but only one roof, water heater, etc.

SFH (single-family home) and multi-family are both generally easier to remodel since you can do whatever you want within code. The HOA at most condos will have significant restrictions on what can and cannot be changed in a condo (e.g., flooring).

In some cases, HOAs restrict the number of units in the building that can be rented out.

Why Would Anyone Buy A Condo As A Rental Property?

These criticisms of condos are fair but don’t take them out of the running quite yet.

There’s one big problem with single-family homes and multi-family properties that new real estate investors often run into: if you live in a large, popular city, chances are single-family homes, and multi-family properties are really, really expensive.

The median home price in San Francisco is $1.6m, and more importantly, for first-time investors, there are only a few homes available for less than $700k. 

The median condo price is $1.25m, and there are over 30 listings under $700k currently. 

If you want to own physical real estate in an expensive city, condos are basically the only game in town.

Although many people don’t like condos as investments, the truth is that you can turn a nice profit owning and renting out a condo even with big, bad, scary HOA fees.

Condos also have a unique benefit beyond their more accessible pricing. Although HOA fees are annoying, they are there for a purpose: most of the time, the HOA will pay for the exterior, outdoor, and common area maintenance, making your job as a homeowner significantly easier.

How to Start Investing in Condos

Ready to get started with condo investing?

You need to start with the right neighborhood, the right financing, the right business plan, and the proper paperwork before jumping in. 

Buy a Condo in the Right Part of Town

Before you jump all-in and buy a condo, you want to make sure you are buying in the right place. The goal is to find a neighborhood that is on the upswing, with rising or stable prices over the past year or so.

This might seem counterintuitive, but a neighborhood with flat or declining prices likely has that trend for a reason. You have a better chance of riding a trend on the upswing than picking a community that is due for a turnaround. 

Other tangible and positive things to pay attention to include planned redevelopment nearby, new or expanding employment opportunities, and extensive public transport, or plans for public transportation.

Are You Going to Remodel Your Investment Property?

If you are, it’s essential to find a neighborhood with a large difference between the lowest-priced and highest-priced condos (per square foot).

For instance, if you see a new condo in a neighborhood that is for sale for $1000 per square foot, and an older condo across the street is for sale for $400 per square foot, the difference is $600 per square foot. This “price differential” is a decent stand-in for the maximum possible profit on a per square foot basis that you might stand to make with a remodel, although it will likely be much less than the full differential.

Why is that?

Well, even if you remodel a condo entirely if it’s in an older building with fewer amenities, it won’t command the same price as a fancy new condo.

Get Your Financing Set and Stay Away From PMI

Like any home purchase, you’ll need to line up financing if you don’t have enough to purchase the property outright.

Unfortunately, even with the lower costs of condos compared to single and multi-family homes, it can still be challenging to find enough for a 20% down payment. That would ordinarily mean you would be headed for PMI or private mortgage insurance.

PMI isn’t a huge deal, but it does add an additional payment to your mortgage every month, which makes it harder to make money off of your condo. That’s why it’s so essential to avoid PMI even if you don’t have 20% to put down.

Luckily, there are some other options that you can pursue so you can get around PMI and secure financing for your first condo purchase.

Many lenders have no or low down programs available that you can take advantage of at any time. Some of these programs even allow you to put 0% down – obviously, you’ll have a higher monthly payment, which will make it harder to get cash flow positive. Still, it allows you to jump into the market without a considerable outlay. 

Here’s a list of lenders with programs for low or no down payment in conjunction with no PMI.

Bank of American Affordable Loan Solution

San Francisco Federal Credit Union POPPYloan

Flagstar Professional Loan

Citi HomeRun

SoFi

Suntrust Agency Affordable Financing

NACA (Neighborhood Association)

Chase DreaMaker

New American

Other Ways To Get Around PMI When Buying a Condo

You can also use an equity partner like Point or Unison to front you a portion of the down payment in exchange for a percentage of the upside in home appreciation over time.

These programs don’t often allow for renting your home out, so if you plan on renting your condo, you probably will need to pursue more traditional funding.

Be Conservative in Your Business Plan and Stay Cash Flow Positive

As with all rentals, you must stay cash flow positive in your new rental condo. This basically means that all of your expenses on the unit will be covered by the rent you expect to take in (with some room to spare for surprises and vacancies).

Although you will make some paper profits due to principal pay down, depreciation and whatever appreciation might come your way; you don’t want to be shelling out money every month for a unit you aren’t living in.

If you’re having trouble figuring out what you can charge for your rental, my advice is to stay as conservative as possible if you see a comparable listing for $2000, pencil in $1850 at the most when you are doing your due diligence. 

Make Sure You Are Aware Of Condo-Specific Documentation

In addition to the normal due diligence that you would do before purchasing a single-family home, there are some condo specific things that you need to look out for. Here are the most important ones:

HOA Reserves and Reserve Study

Any condo association will have something called “reserves,” which are set aside to fund future maintenance and capital expenditures to the common areas and facilities (like elevators, halls, roofs, parking lots, etc.).

The beautiful thing as a condo owner is that you usually don’t have to pay for the upkeep on those things out of your pocket. Still, the condo association must have enough set aside to address the expenses that they expect in the future. 

Keep in mind that seemingly large amounts of reserves can go frighteningly fast. An elevator replacement, for example, will rarely cost less than $200k, and it can be much much more expensive.

Siding and roof replacements on a large building can also be incredibly spendy.

Nervous about trying to figure out “how much is enough”? You shouldn’t be. If the condo association is responsible, they will have completed a reserve study sometime in the past 2-4 years that outlines the expenses the association expects and whether or not the reserves will be able to meet those expenses.

If there is no reserve study or the reserves are low, run away. Runaway quickly.

Special Assessments

Remember when I said that condo owners don’t have to pay for the maintenance and upgrades to the common areas and facilities (except through their HOA fee)?

Well, that was only partially true.

If the reserves are too low to fund necessary improvements (e.g., fixing a leaky roof or an elevator that doesn’t work), then the association will need to levy a “Special Assessment.” 

All of the owners in the building will pay out of pocket to make up the deficit. If a condo is for sale, the realtor is required to disclose special assessments, but be sure to ask if there is a current special assessment, or they expect one in the future. 

Take a Close Look at the Common Areas

There are some things that you just can’t see on a piece of paper. Even if you have a great reserve study and you’ve got confidence that the building isn’t going to fall apart around you, it’s still a good idea to stroll through the halls, laundry rooms, common areas, use the elevators, etc. 

If you see worn carpeting, flickering lights, dirty common spaces, haphazard and flimsy fixes, cracked windows, exposed siding, mold, or other concerns, you may want to step back from the purchase. If the visible components of the building aren’t in great shape, you can be pretty much guaranteed that the things you can’t see are in even worse shape.

Combine what you see with the reserves on hand, and you’ll get a pretty full picture of what you can expect as an owner in the building.

Lead Paint, Vinyl Windows, and Popcorn Ceilings

Watch out for older buildings where you might have to spend a lot of money upgrading the interior of your unit.

Popcorn ceilings can be particularly expensive due to asbestos remediation requirements. Dealing with lead paint during remodeling can also add up as extra precautions need to be taken.

Make Sure You Have The Right Documentation When Buying a Condo

Since condominiums are legally more complex than SFH or multi-family properties, you want to be sure you have all of the right documentation before buying a condo. As annoying as it is, you will want to look over all of this in detail, as well.

Declaration of condominium

Articles of incorporation

Bylaws for the HOA

Rules of the Association

A copy of the most recent financial report for the HOA

The latest investment, replacement or capital expenditure report (this is called many things in different places, but you are looking for the condo boards plans for spending over the next ten years)

A copy of the condominium governance report

Sellers disclosure statement

Make Sure You Can Make The Changes You Expect to Make

If you are buying an older condo, chances are you will want to upgrade your carpet to hardwood, and maybe even add in-unit laundry.

Keep in mind that changes like these are often highly regulated by the condo association, and in some cases, you may not be able to make them at all.

For instance, hardwood floors may be banned due to noise for all of the units that aren’t on the ground floor. Not all HOAs are that restrictive but pay attention to these requirements.

Take The Plunge

If you’ve found a place in the right neighborhood, you’ve secured financing, have a good business plan, and you’ve checked all of the documentation you need, it’s time to decide whether or not you want to take the plunge into owning a rental condo. 

This last step you’ll have to make on your own, but if you’ve ticked all the right boxes, you can buy with confidence and put your first step on the property ladder.

Buying Condos Is The Easiest Way To Get On The Property Ladder In Expensive Cities

You now have the tools to get started finding your condo and beginning on the investing ladder – even if you live in a city with expensive real estate.

Even if you live somewhere with more affordable real estate, the hands-off nature of condo ownership might still appeal to you. After my own experience renting and remodeling a condo, I can tell you that you can make money with condos, and they are effortless to take care of compared to single-family homes or multi-family properties.

So, are you going to jump in head first or watch from the sidelines?

The post Buying a Condo as an Investment Property? Here is What You Need to Know appeared first on Your Money Geek.

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[lauramalchowblog]

The End of the Game

By IAN MORRISON

Back in the early 2000s I was on the board of the California Health Care Foundation and one day the German Minister of Health paid CHCF a visit as part of a learning tour of American healthcare. Mark Smith MD CHCF’s CEO invited me to join the meeting with the minister. She was a delightful person who didn’t speak much English, but because she was accompanied by her handler/translator we managed to communicate just fine. Mark and I tried to explain to the Minister how the American healthcare system worked, and we got to the point in the conversation about the money. The essence of the “game” we described was that commercial insurers (particularly self-insured employers) paid a significant multiple of cost (sometimes in excess of 300% of costs) in order to make the math work for providers. We explained that the game works only if these purchasers paid much higher prices. I don’t speak German, but I think she said: “What The F**k?!”. Exactly.

As we enter the Post COVID world, a key question is: Will healthcare simply restart this game? Or make it even more extreme, in fact, by providers turning to those commercial insurers and self-insured employers to make up the difference for the COVID “Elective Collapse Recession” that has so traumatized provider’s finances including hospitals, specialists, primary care, and dentists leading to job cuts, furloughs, salary reductions and bankruptcies of providers.

A number of recent articles have pointed to how the game works. In particular, the always superb New York Time’s columnist Sarah Kliff’s review of the Mayo Clinic and the other highflying institutions whose excellence is rewarded not by value based reimbursement but by high prices for commercial activity under a relatively benign payor mix (industry code for “don’t see a lot of poor people, uninsured or on Medicaid”).

Mayo is not alone. Every hospital I know plays a variant of this game. Some in less generous environments like Arkansas live leaner to the bone to make the math work, lucky to make 130% of Medicare on the commercial side. A tiny few, like my friends at the Benefis Health System in Montana, through passionate focus on operational excellence and a run lean culture, actually can make money on Medicare. But they are exceptional. Many if not most hospitals with more dominant market positions are able to generate in excess of 300% of Medicare on their commercial contracts including many of the country’s leading academic medical centers. And many titrate down their public payment patient mix to keep the game going. As I used to joke to hospital CEOs of financially struggling hospitals, “just move your hospital to the affluent suburbs”. Some did.

RAND has documented in studies of actual paid claims for commercial insurance that on average hospitals charge 241% of Medicare across the 25 or states covered in the analysis. I’m sure all these institutions make wonderful use of the money subsidizing research, uncompensated care, and the salaries of employed physicians especially academic doctors who are teaching the next generation. But all of these worthy activities are enabled from money derived from the game.

George Halvorson, former Kaiser CEO, proposed recently on The Health Care Blog an alternative funding scheme using a 20% payroll tax (paid equally by employer and employee) that would be used to fund a Medicare Advantage type program for All. (I proposed a similar solution twenty years ago in Healthcare in the New Millennium:  Vision, Values and Leadership, Jossey-Bass 2000, pp 231-2).  It might be a better alternative, but I am not sure we can get from here to there and especially by demanding high paying enterprises like Apple, Google and Facebook embrace a 20 percent payroll tax.

In the wake of COVID, hospitals have received one-time financial support from the Federal government to shore up both costs of care for the afflicted by the disease and for the financial damage of suspended clinical operations. Ironically, the share of non-COVID case-related reimbursement was distributed proportional to net patient revenue, in other words revenue gained in the game.

Absent a meaningful alternative like Medicare Advantage for All, to date employers have been complicit in the game and (while not exactly thrilled) have tolerated it for decades. Their coping mechanism has been to transfer the burden of rising costs and prices to their employees progressively over the last 20 years through the magic of high deductible healthcare. Sharing the pain with their employees and making them miserable in the process as workers face the weird reality of rising out-of-pocket costs, surprise bills, and denials of coverage.

Health plans see no real reason to change the game. They can make money on managing Medicare and Medicaid and are eager to do so, while commercial small group insurance is even more profitable. But the majority of Americans with private health insurance, over 60% by most estimates, are employees and dependents of self-insured employers including giant corporations such as Boeing, Disney and Walmart. Insurers typically charge on an ASO (Administrative Services Only) basis charging about 3% to manage networks and pay claims. But remember 3% of a big number is a big number. So plans are not exceptionally motivated to change the game.

All this works if self-insured employers rejoin the game post-COVID. But will they?

Ironically, employers have seen their health spend per employee drop dramatically in the Covid shut down by as much as 20-50%, but it is cold comfort if you are an in an industry that may have seen revenue plummet and you are now facing financial collapse and lay-offs: think airlines, hotels, hospitality and virtually all non-Amazon, non-Grocery retail.

Unemployment claims are up over 36 million, many of those jobs are not coming back in the next 12 months. In fact, I have gone as far as saying that January 2020 was the all time high in level of employer sponsored coverage never to be reached again. A full 10-40 million Americans are likely to migrate to Medicaid and the uninsured rolls in the next year as we stagger back to some kind of an economic recovery.

But as we return to a New Normal, employers are deeply concerned that they are going to be asked to pay higher prices in 2021 as providers try to make up losses. They fear greater consolidation in healthcare as weaker players capitulate and strong, regional health systems get even stronger with greater market power and control over primary and specialty care.  And they are concerned that some of the positive short-term regulatory relief (enabling telehealth and scope of practice easing) will be rolled back, post Covid. Let’s hope not.

Don’t be surprised to see employers step up to this moment and finally do what they have not done to date, namely massify their economic firepower and act in a concerted way to change the game. After all, they are the financial lifeblood for the entire healthcare system.

Employers could demand greater accountability for performance on measures of outcome, appropriateness, and demand a focus on ubiquitous technologically sophisticated primary care.

They could turbo-charge efforts to codify Centers of Excellence models as the means of accessing appropriate, high quality, elective services using mandatory or highly incentivized benefit designs to have patients patronize only select high performers. To date the Wal-Mart and PBGH Center of Excellence models have saved money not so much by price discounting but by reducing inappropriate care by 20-50%.

COVID is like high deductible health care. It is a blunt instrument that has reduced appropriate and inappropriate care in probably equal measure (we don’t know yet in the case of COVID-foregone electives).  But I don’t think employers will just go back to endorsing access to elective healthcare at ever escalating prices without asking some tough questions. 

If you are a plan or a provider. Don’t just assume that the game just comes back. There may be new rules.

Ian Morrison, PhD is an author, consultant and futurist in Menlo Park, California

The End of the Game published first on https://venabeahan.tumblr.com

[kristinsimmons]

The End of the Game

By IAN MORRISON

Back in the early 2000s I was on the board of the California Health Care Foundation and one day the German Minister of Health paid CHCF a visit as part of a learning tour of American healthcare. Mark Smith MD CHCF’s CEO invited me to join the meeting with the minister. She was a delightful person who didn’t speak much English, but because she was accompanied by her handler/translator we managed to communicate just fine. Mark and I tried to explain to the Minister how the American healthcare system worked, and we got to the point in the conversation about the money. The essence of the “game” we described was that commercial insurers (particularly self-insured employers) paid a significant multiple of cost (sometimes in excess of 300% of costs) in order to make the math work for providers.  We explained that the game works only if these purchasers paid much higher prices. I don’t speak German, but I think she said: “What The F**k?!”. Exactly.

As we enter the Post COVID world, a key question is: Will healthcare simply restart this game? Or make it even more extreme, in fact, by providers turning to those commercial insurers and self-insured employers to make up the difference for the COVID “Elective Collapse Recession” that has so traumatized provider’s finances including hospitals, specialists, primary care, and dentists leading to job cuts, furloughs, salary reductions and bankruptcies of providers.

A number of recent articles have pointed to how the game works. In particular, the always superb New York Time’s columnist Sarah Kliff’s review of the Mayo Clinic and the other highflying institutions whose excellence is rewarded not by value based reimbursement but by high prices for commercial activity under a relatively benign payor mix (industry code for “don’t see a lot of poor people, uninsured or on Medicaid”).

Mayo is not alone. Every hospital I know plays a variant of this game.  Some in less generous environments like Arkansas live leaner to the bone to make the math work, lucky to make 130% of Medicare on the commercial side.  A tiny few, like my friends at the Benefis Health System in Montana, through passionate focus on operational excellence and a run lean culture, actually can make money on Medicare.  But they are exceptional.  Many if not most hospitals with more dominant market positions are able to generate in excess of 300% of Medicare on their commercial contracts including many of the country’s leading academic medical centers.  And many titrate down their public payment patient mix to keep the game going.  As I used to joke to hospital CEOs of financially struggling hospitals, “just move your hospital to the affluent suburbs”.  Some did.

RAND has documented in studies of actual paid claims for commercial insurance that on average hospitals charge 241% of Medicare across the 25 or states covered in the analysis.   I’m sure all these institutions make wonderful use of the money subsidizing research, uncompensated care, and the salaries of employed physicians especially academic doctors who are teaching the next generation. But all of these worthy activities are enabled from money derived from the game.

George Halvorson, former Kaiser CEO, proposed recently in The Health Care Blog an alternative funding scheme using a 20% payroll tax (paid equally by employer and employee) that would be used to fund a Medicare Advantage type program for All.  (I proposed a similar solution twenty years ago in Healthcare in the New Millennium:  Vision, Values and Leadership, Jossey-Bass 2000, pp 231-2).  It might be a better alternative, but I am not sure we can get from here to there and especially by demanding high paying enterprises like Apple, Google and Facebook embrace a 20 percent payroll tax.

In the wake of COVID, hospitals have received one-time financial support from the Federal government to shore up both costs of care for the afflicted by the disease and for the financial damage of suspended clinical operations.  Ironically, the share of non-COVID case related reimbursement was distributed proportional to net patient revenue, in other words revenue gained in the game.

Absent a meaningful alternative like Medicare Advantage for All, to date employers have been complicit in the game and (while not exactly thrilled) have tolerated it for decades. Their coping mechanism has been to transfer the burden of rising costs and prices to their employees progressively over the last 20 years through the magic of high deductible healthcare. Sharing the pain with their employees and making them miserable in the process as workers face the weird reality of rising out-of-pocket costs, surprise bills, and denials of coverage.

Health plans see no real reason to change the game.  They can make money on managing Medicare and Medicaid and are eager to do so, while commercial small group insurance is even more profitable.  But the majority of Americans with private health insurance, over 60% by most estimates, are employees and dependents of self-insured employers including giant corporations such as Boeing, Disney and Walmart.  Insurers typically charge on an ASO (Administrative Services Only) basis charging about 3% to manage networks and pay claims.  But remember 3% of a big number is a big number.  So plans are not exceptionally motivated to change the game.

All this works if self-insured employers rejoin the game post-COVID.   But will they?

Ironically, employers have seen their health spend per employee drop dramatically in the Covid shut down by as much as 20-50%, but it is cold comfort if you are an in an industry that may have seen revenue plummet and you are now facing financial collapse and lay-offs:  think airlines, hotels, hospitality and virtually all non-Amazon, non-Grocery retail.

Unemployment claims are up over 36 million, many of those jobs are not coming back in the next 12 months.  In fact, I have gone as far as saying that January 2020 was the all time high in level of employer sponsored coverage never to be reached again.  A full 10-40 million Americans are likely to migrate to Medicaid and the uninsured rolls in the next year as we stagger back to some kind of an economic recovery.

But as we return to a New Normal, employers are deeply concerned that they are going to be asked to pay higher prices in 2021 as providers try to make up losses.  They fear greater consolidation in healthcare as weaker players capitulate and strong, regional health systems get even stronger with greater market power and control over primary and specialty care.  And they are concerned that some of the positive short-term regulatory relief (enabling telehealth and scope of practice easing) will be rolled back, post Covid.  Let’s hope not.

Don’t be surprised to see employers step up to this moment and finally do what they have not done to date, namely massify their economic firepower and act in a concerted way to change the game.  After all they are the financial lifeblood for the entire healthcare system.

Employers could demand greater accountability for performance on measures of outcome, appropriateness, and demand a focus on ubiquitous technologically sophisticated primary care.

They could turbo-charge efforts to codify Centers of Excellence models as the means of accessing appropriate, high quality, elective services using mandatory or highly incentivized benefit designs to have patients patronize only select high performers.  To date the Wal-Mart and PBGH Center of Excellence models have saved money not so much by price discounting but by reducing inappropriate care by 20-50%.

COVID is like high deductible health care.  It is a blunt instrument that has reduced appropriate and inappropriate care in probably equal measure (we don’t know yet in the case of Covid foregone electives).  But I don’t think employers will just go back to endorsing access to elective healthcare at ever escalating prices without asking some tough questions. 

If you are a plan or a provider.  Don’t just assume that the game just comes back.  There may be new rules.

Ian Morrison, PhD is an author, consultant and futurist in Menlo Park, California

The End of the Game published first on https://wittooth.tumblr.com/