#reasons to buy

[mx-field]

Buying but not Reading

You don't have to read our books to buy them. There are other things you can do with our books.

You can give them as a gift.

You can donate them to a library.

You can donate them to a book drive.

You can use them in a Book Exchange.

Link to the profile of Carnival Link to the profile of The Murder After

Are we desperate? Yes.

[mo-mode]

The Biblically Accurate Trio in TLT

[thewajewelry]

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[floccinaucinihilipilificationa]

[mintbees]

One thing that keeps confusing me is that they claim ghost files costs several hundreds of thousands of dollars per season. I’ve tried to wrap my head around this ever since the announcement because flying a crew of 6 or so people out for two days and renting out the location COULD NOT be costing that much unless they’re either lying or blowing money on first class flights and expensive food/accommodations and even THEN do I not see them breaking 100k on a single episode. Dear lord hire an accountant I’m half convinced someone’s laundering money

[theshitpostcalligrapher]

the fucked thing about being an spn girlie back in the day and also being a canadian is that your wardrobe just becomes permanently Like That

It took me the full walk down the block before realizing I'd just fully gone out as dean winchester today

[squidflavoredsoup]

im buying whatever he’s selling

it could be actual trash n he’s getting all the money in my wallet

stan grow back the mustache

ITS PURPLE GUY

[obsob]

days are getting warmer but i am always warm when im with you ! !

[solarpunkani]

sometimes spite is a powerful motivator and today its motivating me to crochet

long story short I saw a cool bag on pinterest while I was looking for crochet patterns but there was no fucking pattern but one of my friends found a pattern for a similar but not quite bag so I watched an hour long video, transcribed it into text, and am now gonna make a wholeass backpack just because Sunflower Vibe

Wish me luck I guess

Also this is the bag

[mx-field]

Reasons to Buy The Murder After

You like mystery and dramadey.

You want to give these genres a try.

You want a short book that doesn't take long to read. (It's 44 pages. One chapter a day plus the sneak peek is eight days.)

You want a mystery but don't want to solve it.

You want to read an attempt at narrating in the British dialect.

Link to its page on Amazon (Note: We would give this book an MPA rating of PG-13.)

[biggest-gaudiest-patronuses]

got a worm nibbling my brain. can someone help me find a piece of obscure media?

webcomic/indie comic from the 2010s. basically a sci-fi short story about a young girl (with red hair?) who was being raised by scientists as part of an experiment. she receives a haircut/has her head shaved, in preparation for her annual brain scan/testing. it is revealed that while her body is human, her "brain" is artificial, made of computer implants throughout her skull and spine. at some point her biological mother (also a scientist on the same campus?) encounters her and is repulsed, viewing her as a machine who has murdered her daughter.

it was very poignant and it bruised my heart and i can NOT find it anywhere

[nipuni]

Ten and Missy! Our Halloween costumes 🥰

[jadecantcreate]

holding hands and running from chaos

[thelonesgroup]

Getting Real with Your Buyers on the Reality of Continuing to Rent

How many of your buyers over this past year took a look at rising interest rates and rising prices and decided to rent for another year? Based on my conversations with my ENCORE coaching clients, I would say it is at least half of you reading this article.

Do you have the tools at your fingertips to handle this type of objection? If not, I would suggest you fill that toolbox right away. I am guessing that in most situations, you know in your gut that renting isn't financially the way to go in terms of building long-term wealth, but do you actually say that? And more importantly, can you show them?

When a potential buyer - someone who was looking forward to actually buying and taking the financial steps to do so - says that they should just rent and wait, what are they really saying?

"I am more secure with the situation I already know."

"I am afraid of making a financial mistake."

"I am concerned about my expenses."

Of course, there is a fine line between providing information and pushing someone outside their comfort zone irresponsibly, so let me be clear that I am suggesting the former versus the latter. However, saying something like, "I respect where you are coming from and this market has shaken up the plans of many buyers. Can we set up a meeting so I can show you some information? I want you to have what you need to make a fully-informed decision."

Although you don't have a crystal ball and the market can change in unforeseen ways, you can use your experience and expertise to raise doubt in the financial feasibility of their decision.

Five Tools for the Buying-Wary Renter

Below are five tools that you should have to discuss with a buyer who has decided to forgo buying and rent instead:

1. Equity and Time

Many buyers don't quite fully grasp how much real estate appreciation will help them build wealth. They are used to looking at the financial picture in front of them, but not a look to the future. There are two tools here that can help:

Buying vs Renting Over 5 Years: For this tool, you need to know how much the buyers were planning on spending on a house, determine the monthly payment including principal and interest and the duration of the loan. You also need to know the approximate amount they are paying for rent. Then, look ahead per year for the next five years. How do their payments change when renting vs buying and who actually gets wealthy as a result of their payments?

The below table assumes 5% rise in rent and home price appreciation each year. The purchase includes a fixed-rate mortgage with 8% down, 6.5% interest on a $400,000 home, principal, interest, and $100 private mortgage insurance only.

In the above scenario, with rent continuing to increase 5% per year and with home price appreciation at 5% per year, renters miss out on growing equity while making their landlords rich.

If you want to work these numbers out for yourself, Club Zebra members can download the NEW Rent vs Buy Calculator here.

Raising Rent: Once you have their approximate rent from the previous exercise, show them how much rent could go up based on what is appropriate in your area. Could rent increase 5% per year? How about 10%? We are seeing some big increases in high-demand urban areas. Again, it isn't about what they are paying now, it is about having control over what they might be paying in the future.

I have even heard of rents rising by over 20% in some urban with less than three months of notice given for month-to-month rentals (check for required timeframes in your locality) and ask your buyers what they would do if their rent went up that much. Of course, this is not applicable in all areas such as areas with rent control, so only ask if appropriate.

2. Saving for a down payment

Saving for a down payment is also a situation that is not on the side of those who wait when prices continue to rise. Imagine the buyer wants to avoid Private Mortgage Insurance, so they are striving to save 20% down. Their initial goal was to buy a $300,000 property, so they were trying to save $60,000. Let's say they were going to take another year to save the final $20,000 they needed to reach $60,000. However, in that year, prices rose by 10% and now not only do they need to save another $6,000 to make their ideal down payment, they have missed out on the appreciation for that year, so waiting actually cost them $36,000. If private mortgage insurance costs somewhere between $100-$200 a month they still wound up at least $33,600 short.

3. The Role of Interest Rates

You should have a loan and mortgage payment chart at your fingertips, but if not, Club Zebra members can download The Danger of Waiting here. Although you might think this document actually makes the case for waiting until rates come down, what it can also do is make the case for not playing interest rate roulette.

For example, for a $400,000 loan on a $500,000 house, the difference between 6% and 6.5% is $130 per month. If a $500,000 home increases in value 5% during its first year, that is a $25,000 gain in equity versus only $1,560 more paid in interest. Waiting, in this scenario, could have cost the buyer $23,440.

4. Finding the Right Mortgage

If the buyer has only visited one or two lenders, perhaps there are other mortgage options out there that might be a better fit, at least to get the buyer into a property. Remember, they can always try to refinance later (but be careful not to tell them they can always refinance later – because you don't know what they will or will not qualify for then).

Examples of different programs include:

Longer terms: Yes, there actually are 40- or 50-year mortgages out there

Adjustable-Rate Mortgage vs Fixed Rate Mortgage

FHA, VA, USDA loans or other loan programs

First time homebuyer grants – check locally and with your state

Closing costs: Can the buyers ask the seller to chip in?

5. More Affordable Product

Your potential buyers, like all potential buyers, have a dream property in mind. That dream property may not align with their new financial reality, but the new reality may be a good alternative. You won't know, however, until you get into the MLS and find some alternatives and show them options. Here are three ways to get creative:

Expand Your Physical Search Boundaries: Don't just show on a map, indicate some type of context. For example, can they save by going to an adjacent neighborhood which would be one bus stop away or add a few minutes to the commute? By talking through potential objections to the change in target location, you can help them problem-solve.

Change the Property Search Parameters: Perhaps something a bit smaller, with a different layout (such as two-story versus one-story), a condo, townhome, or a different number of bedrooms. Again, don't just talk to them about these options – actually pull up listings with photos and talk through the challenges and benefits.

Find Product that is Sitting: Now is a good time to take a hard look at inventory that has been on the market a while, most likely a result of an overpriced seller, and see if there is anything that is worth taking a closer look at and making an aggressive offer.

Did you know I just did a search in NWMLS using the term "motivated" in broker remarks and found 228 active listings – some of which had their last price reduction six months ago? I am seeing listings that say, "Bring any offer", "any offer will be considered", seller "will pay for interest rate buy down", "will help with closing costs/credit for repairs", "open to seller concessions", "relocating out of state". You can't tell me there isn't an opportunity for buyer and seller collaboration here.

Other Things for the Would-Be Renter to Consider

Your conversation with the buyer-turning-renter should also address some of the other pros and cons of renting vs buying including:

The emotional side of owning their own place

The costs of home maintenance, property taxes, insurance, etc – so they understand the full picture

Possible tax savings when owning vs renting – they should ask their accountant

Flexibility vs putting down roots – job situation, landlord may decide to sell, availability of rentals in the area

The Bottom Line

Don't just roll over and play dead when your potential buyers say they would rather rent. Get your toolbox together and give them the information they really need to make the decision unless you know in your gut that renting is the right choice for them. With all the examples above, it is important to actually show details and examples. If there is a loan program out there that could be a good solution, don't just tell them about it – show them how it could work in their situation or contact the lender for an example. Don't give them more work to do – simplify the path ahead of them, give them examples, show them the math, and then let them determine their next step.

As their agent, you are a steward of their finances, so speak up if you feel they are making a mistake. Even if they decide to rent, you will have spoken your truth and given them great information.

THE 2023 REAL ESTATE SUCCESS SUMMIT IS ALMOST HERE

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By Denise Lones CSP, M.I.R.M., CDEI - The founding partner of The Lones Group, Denise Lones, brings nearly three decades of experience in the real estate industry. With agent/broker coaching, expertise in branding, lead generation, strategic marketing, business analysis, new home project planning, product development, Denise is nationally recognized as the source for all things real estate. With a passion for improvement, Denise has helped thousands of real estate agents, brokers, and managers build their business to unprecedented levels of success, while helping them maintain balance and quality of life.

[bet-on-me-13]

Bruce Wayne was never Batman.

So! The night that Bruce Wayne's parents got shot, he developed an Unbreakable Resolve. He needed to get rid of the Crime that had taken his Parents away from him, no matter what.

But that night, he also developed a deep-seated fear of Death. He was face to face with his own Demise and instead of dying himself he saw his Parents die instead. He was Terrified of ending up like them.

But he still needed to stop Crime. He couldn't just let criminals go unpunished, and while he was still using his wealth to try and prevent it before it began, he knew there needed to be something to stop crime After it had been committed. And the Cops were useless on that Front.

He eventually found a solution while looking through his Parents Family Heirlooms.

Ancient Books dating back to the founding of Gotham and even before then, telling of a Creature from another world who his Ancestors had helped in the Past. A Being of Fear and Shadow, who owed a debt to the Wayne Family. He needed that Being. A Monster of Shadows and Fear was exactly the answer to scaring criminals away from committing crimes and punishing those who did.

But he needed to find the Being from another world first.

So he left home, traveling across the Globe training with the best Magicians and Demonologists in the world in search of the Monster who owed his Family a Debt. His travels took him far, from the streets of LA where he met a man named Zatara, to the Snowy Mountains of Nanda Parbat where he learned of the Lazarus Pits and the Demon's that came out of them.

While studying the Lazarus Pits, he was trained by the organization who guarded them. They despised Weakness, and while their leader was in awe of his Intelect he was less impressed by his body's conditioning. If he was to study the Lazarus Pits, he would first have to earn the Right in Combat.

He eventually managed to pass their Tests and eventually left them, having handed over a Copy of his research as the price for being allowed to Study the Pits.

Years later, he finally returned to Gotham, fully equipped to Summon the Being that owed him a Debt.

Bruce drew up the Summoning Circle as perfectly as he possibly could, he had one shot at it.

A drop of his blood and a splash of Lazarus Water later, and the Circle began to glow an ominous Green. Slowing, a shifting shadow began to emerge from the Circle, at first only a mass of writhing darkness before their form Solidified.

The Books he had found on the Spirit said that it would take the form of the Summoners Greatest Fear, which just so happened to be Bats for Bruce. The Form that the Spirit chose reflected that, with large Dark Wings falling over their form as if they were a Cape, and horns looking like the Ears of a Bat. From the Darkness, two glowing eyes appeared.

"Spirit, hear me. My name if Bruce Wayne, and I am calling in the Debt owed to my Family centuries ago. My City is plagued with crime and malice, rotting from its Core. My efforts to prevent Crime from the side of the Light have been in vain, Crime persists despite my efforts. In order for my vision to be fulfilled, the Criminals of this City must have their hearts pierced by Fear. Fear of Retribution. Fear of Consequences. Fear of Vengeance."

Thoughout bis Speech, the Shadowed Figure stayed silent.

"That is why I have called you here. I want you to stalk these streets, punish the criminals of this City and strike fear into their hearts from the shadows, so that they know to stay in the light. I don't want you to Kill them, never kill them. Let them live with that fear in their Hearts until their final days."

After he finished his speech, the Figure finally spoke.

"Your Quest is an Honorable one. You seek the betterment of your people's, and are unafraid to resort to drastic measures to achieve that goal. It reminds me of my Liege's resolve." It Spoke, it's voice low and rumbling. "Very Well. From this day forth, I shall protect your City from the Darkness in its own Heart. I shall be your Dark Knight."

...

Had this idea out of nowhere and needed to write it down. In this AU, Bruce still wants to protect his City from crime, but is understandably traumatized from seeing the Deaths of his Parents. He has a deep-seated fear of Dying, so he chooses to forgo fighting crime himself.

Instead, he finds out about a Spirit that his Ancestors helped long ago, and decides that the most logical next step out be to Summon a Demon to protect his City. Instead of training his Body for a decade to become Batman, he trains his Mind and Studies as much about Magic and Demon's as Possible.

He still knows how to fight because he trained with the League. He approached them with an offer to study the Lazarus Pits and give them his findings, and they accepted. But Ra's didn't want a weakling on his Base so he also required Bruce to train his body. He saw his potential for combat, and was so disappointed that Bruce had chosen a different path. He could have been Great!

Bruce still has a thing with Talia that produces Damian, he is still a point of interest from Ra's since he is insanely smart and has huge potential, and he knows how to fight pretty well. Albeit not as well as in Canon.

Bruce becomes the Benefactor/Guy in the Chair for Fright Knight (who is the one he summoned if you couldn't tell), who looks like a "Bat Man" because of Bruce's fear of Bats. Fright Knight agreed to this because 1.) He had a debt to pay, 2.) Bruce reminded him of Danny, and 3.) He respected Bruce's ballsyness to Summon a demon and command it to protect people.

Bruce still adopts his Kids, but there are some changes.

Dick is adamant about fighting Crime, and eventually Bruce is forced to let him go on patrol with Fright Knight, who has started going by Batman. Thankfully Frighty managed to give him some blessings so he had minor powers and would be safer.

Jason is mostly the same, and he is so excited that Robin actually IS Magical. When he dies, Fright Knight, who had gotten attached to their Family, goes into the Zone to search for him. He is unsuccessful unfortunately.

Tim is kind of funny. He figured out that Dick was Robin, and Jason was the 2nd Robi , but assumed that Bruce was Batman. When he approached Bruce about becoming Robin so he would stop going down his violent Cycle, Bruce Redirected him to talk to Fright Knight, who was not taking his failure to find Jason well.

Damien grew up knowing that his Father was a Genius, and the Master of the Batman, which gave him a bit of an Ego. At first he thought of Fright Knight as a Servant, and tried to command him like he did with Alfred. Frighty corrected him quickly enough.

Any more ideas for this AU? I have so many, but I think I need to stop for now.

[wuffgang-ameowdeus-moozart]

Wait actually natsu and lucy as a team are so funny. kid who was raised by a dragon that does not understand the concept of money. girl who was raised in a mansion and has never had to budget in her life. Neither has any idea what anything is supposed to cost or how much their labor is worth. Both are terrible impulse buyers. And that's not even starting with all the property damage.