Commercial Property Quotes

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We've got a sort of brainwashing going on in our country, Morrie sighed. Do you know how they brainwash people? They repeat something over and over. And that's what we do in this country. Owning things is good. More money is good. More property is good. More commercialism is good. More is good. More is good. We repeat it--and have it repeated to us--over and over until nobody bothers to even think otherwise. The average person is so fogged up by all of this, he has no perspective on what's really important anymore. Wherever I went in my life, I met people wanting to gobble up something new. Gobble up a new car. Gobble up a new piece of property. Gobble up the latest toy. And then they wanted to tell you about it. 'Guess what I got? Guess what I got?' You know how I interpreted that? These were people so hungry for love that they were accepting substitutes. They were embracing material things and expecting a sort of hug back. But it never works. You can't substitute material things for love or for gentleness or for tenderness or for a sense of comradeship. Money is not a substitute for tenderness, and power is not a substitute for tenderness. I can tell you, as I'm sitting here dying, when you most need it, neither money nor power will give you the feeling you're looking for, no matter how much of them you have.
Mitch Albom (Tuesdays with Morrie)
In the first place, Cranford is in possession of the Amazons; all the holders of houses above a certain rent are women. If a married couple come to settle in the town, somehow the gentleman disappears; he is either fairly frightened to death by being the only man in the Cranford parties, or he is accounted for by being with his regiment, his hip, or closely engaged in business all the week in the great neighbouring commercial town of Drumble, distant only twenty miles on a railroad. In short, whatever does become of the gentlemen, they are not at Cranford.
Elizabeth Gaskell (Cranford)
Real estate investing, even on a very small scale, remains a tried and true means of building an individual's cash flow and wealth.
Robert T. Kiyosaki
We've got a form of brainwashing going on in our country…. Do you know how they brainwash people? They repeat something over and over. And that's what we do in this country. Owning things is good. More money is good. More property is good. More commercialism is good. MORE IS GOOD. MORE IS GOOD. We repeat it--and have it repeated to us--over and over until nobody bothers to even think otherwise. The average person is so fogged up by all this, he has no perspective on what's really important anymore.
Morrie Schwartz
A pickpocket is obviously a champion of private enterprise. But it would perhaps be an exaggeration to say that a pickpocket is a champion of private property. The point about Capitalism and Commercialism, as conducted of late, is that they have really preached the extension of business rather than the preservation of belongings; and have at best tried to disguise the pickpocket with some of the virtues of the pirate.
G.K. Chesterton (The Outline of Sanity)
What in water did Bloom, waterlover, drawer of water, watercarrier, returning to the range, admire? Its universality: its democratic equality and constancy to its nature in seeking its own level: its vastness in the ocean of Mercator's projection: its unplumbed profundity in the Sundam trench of the Pacific exceeding 8000 fathoms: the restlessness of its waves and surface particles visiting in turn all points of its seaboard: the independence of its units: the variability of states of sea: its hydrostatic quiescence in calm: its hydrokinetic turgidity in neap and spring tides: its subsidence after devastation: its sterility in the circumpolar icecaps, arctic and antarctic: its climatic and commercial significance: its preponderance of 3 to 1 over the dry land of the globe: its indisputable hegemony extending in square leagues over all the region below the subequatorial tropic of Capricorn: the multisecular stability of its primeval basin: its luteofulvous bed: its capacity to dissolve and hold in solution all soluble substances including millions of tons of the most precious metals: its slow erosions of peninsulas and islands, its persistent formation of homothetic islands, peninsulas and downwardtending promontories: its alluvial deposits: its weight and volume and density: its imperturbability in lagoons and highland tarns: its gradation of colours in the torrid and temperate and frigid zones: its vehicular ramifications in continental lakecontained streams and confluent oceanflowing rivers with their tributaries and transoceanic currents, gulfstream, north and south equatorial courses: its violence in seaquakes, waterspouts, Artesian wells, eruptions, torrents, eddies, freshets, spates, groundswells, watersheds, waterpartings, geysers, cataracts, whirlpools, maelstroms, inundations, deluges, cloudbursts: its vast circumterrestrial ahorizontal curve: its secrecy in springs and latent humidity, revealed by rhabdomantic or hygrometric instruments and exemplified by the well by the hole in the wall at Ashtown gate, saturation of air, distillation of dew: the simplicity of its composition, two constituent parts of hydrogen with one constituent part of oxygen: its healing virtues: its buoyancy in the waters of the Dead Sea: its persevering penetrativeness in runnels, gullies, inadequate dams, leaks on shipboard: its properties for cleansing, quenching thirst and fire, nourishing vegetation: its infallibility as paradigm and paragon: its metamorphoses as vapour, mist, cloud, rain, sleet, snow, hail: its strength in rigid hydrants: its variety of forms in loughs and bays and gulfs and bights and guts and lagoons and atolls and archipelagos and sounds and fjords and minches and tidal estuaries and arms of sea: its solidity in glaciers, icebergs, icefloes: its docility in working hydraulic millwheels, turbines, dynamos, electric power stations, bleachworks, tanneries, scutchmills: its utility in canals, rivers, if navigable, floating and graving docks: its potentiality derivable from harnessed tides or watercourses falling from level to level: its submarine fauna and flora (anacoustic, photophobe), numerically, if not literally, the inhabitants of the globe: its ubiquity as constituting 90 percent of the human body: the noxiousness of its effluvia in lacustrine marshes, pestilential fens, faded flowerwater, stagnant pools in the waning moon.
James Joyce (Ulysses)
Do you know how they brainwash people? They repeat something over and over. And that's what we do in this country. Owning things is good. More money is good. More property is good. More commercialism is good. More is good. More is good. We repeat it-- and have it repeated to us-- over and over until nobody bothers to even think otherwise. The average person is so fogged up by all this, he has no perspective on what's really important anymore.
Mitch Albom (Tuesdays with Morrie)
When did you guys even start speaking again?” Ernie shrugged and popped a peanut into his mouth. “He’s probably just sniffing around here so I leave him my property when I kick it.” He drank his beer and leaned back into his easy chair. “Eh, he’s a good kid. My sister’s only son. He’s family. Family’s family. Never forget that, Conrad.” “Ernie, two commercial breaks ago, you told me that if I didn’t try and break up my brother’s wedding, I was a punk!” Picking at his teeth, Ernie said, “If a girl’s the one, all bets are off, family or no family.
Jenny Han (We'll Always Have Summer (Summer #3))
many scientists have interfered with science in precisely the way courts always worried tissue donors might do. “It’s ironic,” she told me. “The Moore court’s concern was, if you give a person property rights in their tissues, it would slow down research because people might withhold access for money. But the Moore decision backfired—it just handed that commercial value to researchers.” According to Andrews and a dissenting California Supreme Court judge, the ruling didn’t prevent commercialization; it just took patients out of the equation and emboldened scientists to commodify tissues in increasing numbers. Andrews and many others have argued that this makes scientists less likely to share samples and results, which slows research; they also worry that it interferes with health-care delivery.
Rebecca Skloot
If I am to believe everything that I see in the media, happiness is to be six foot tall or more and to have bleached teeth and a firm abdomen, all the latest clothes, accessories, and electronics, a picture-perfect partner of the opposite sex who is both a great lover and a terrific friend, an assortment of healthy and happy children, a pet that is neither a stray nor a mongrel, a large house in the right sort of postcode, a second property in an idyllic holiday location, a top-of-the-range car to shuttle back and forth from the one to the other, a clique of ‘friends’ with whom to have fabulous dinner parties, three or four foreign holidays a year, and a high-impact job that does not distract from any of the above. There are at least three major problems that I can see with this ideal of happiness. (1) It represents a state of affairs that is impossible to attain to and that is in itself an important source of unhappiness. (2) It is situated in an idealised and hypothetical future rather than in an imperfect but actual present in which true happiness is much more likely to be found, albeit with great difficulty. (3) It has largely been defined by commercial interests that have absolutely nothing to do with true happiness, which has far more to do with the practice of reason and the peace of mind that this eventually brings. In short, it is not only that the bar for happiness is set too high, but also that it is set in the wrong place, and that it is, in fact, the wrong bar. Jump and you’ll only break your back.
Neel Burton (The Art of Failure: The Anti Self-Help Guide)
The value of land may be determined by how it can be used. For example, it may contain valuable resources such as water, minerals, tillable soil, timber or wildlife. There also may be commercial value in the natural attraction of land such as caves, lakes or trails. Land value can be reduced by erosion, flood, earthquake, fire or regulation.
Marshall Wilson Reavis III (Insurance: Concepts & Coverage: Property, Liability, Life, Health and Risk Management)
We live in a world where value of creativity is measured by commercial success, and copyrights are mere instruments of financial benefit, not creative progress
Kalyan C. Kankanala (Fun IP, Fundamentals of Intellectual Property)
Of a real, true contract, on whatsoever subject, there is no vestige in Rousseau's book. To give an exact idea of his theory, I cannot do better than compare it with a commercial agreement, in which the names of the parties, the nature and value of the goods, products and services involved, the conditions of quality, delivery, price, reimbursement, everything in fact which constitutes the material of contracts, is omitted, and nothing is mentioned but penalties and jurisdictions. "Indeed, Citizen of Geneva, you talk well. But before holding forth about the sovereign and the prince, about the policeman and the judge, tell me first what is my share of the bargain? What? You expect me to sign an agreement in virtue of which I may be prosecuted for a thousand transgressions, by municipal, rural, river and forest police, handed over to tribunals, judged, condemned for damage, cheating, swindling, theft, bankruptcy, robbery, disobedience to the laws of the State, offence to public morals, vagabondage,--and in this agreement I find not a word of either my rights or my obligations, I find only penalties! "But every penalty no doubt presupposes a duty, and every duty corresponds to a right. Where then in your agreement are my rights and duties? What have I promised to my fellow citizens? What have they promised to me? Show it to me, for without that, your penalties are but excesses of power, your law-controlled State a flagrant usurpation, your police, your judgment and your executions so many abuses. You who have so well denied property, who have impeached so eloquently the inequality of conditions among men, what dignity, what heritage, have you for me in your republic, that you should claim the right to judge me, to imprison me, to take my life and honor? Perfidious declaimer, have you inveighed so loudly against exploiters and tyrants, only to deliver me to them without defence?
Pierre-Joseph Proudhon (The General Idea of the Revolution in the Nineteenth Century)
In summary, a policy intended to make housing more affordable for the poor has resulted in resources being redirected to the construction of houses that are only affordable for the rich or wealthy, since generally , luxury homes are not subject to rent control, and neither are office buildings and other commercial properties. This illustrates, among other things, the crucial importance of making a distinction between intentions and consequences
Thomas Sowell (Basic Economics: A Citizen's Guide to the Economy)
We’ve got a form of brainwashing going on in our country,” Morrie sighed. “Do you know how they brainwash people? They repeat something over and over. And that’s what we do in this country. Owning things is good. More money is good. More property is good. More commercialism is good. More is good. More is good. We repeat it—and have it repeated to us—over and over until nobody bothers to even think otherwise. The average person is so fogged up by all this, he has no perspective on what’s really important anymore.
Mitch Albom (Tuesdays with Morrie)
In the 1954 Internal Revenue Code, a Republican Congress changed forty-year, straight-line depreciation for buildings to permit 'accelerated depreciation' of greenfield income-producing property in seven years. By enabling owners to depreciate or write off the value of a building in such a short time, the law created a gigantic hidden subsidy for the developers of cheap new commercial buildings located on strips. Accelerated depreciation not only encouraged poor construction, it also discouraged maintenance...After time, the result was abandonment.
Dolores Hayden (Building Suburbia: Green Fields and Urban Growth, 1820-2000)
The Chinese Communist Party has seen fit to protect most property rights because it recognizes that it has a self-interest in doing so. But the party faces no legal constraints other than its own internal political controls if it decides to violate property rights. Many peasants find their land coveted by municipal authorities and developers who want to turn it into commercial real estate, high-density housing, shopping centers, and the like, or else into public infrastructure like roads, dams, or government offices. There are large incentives for developers to work together with corrupt local officials to illegally take land away from peasants or urban homeowners, and such takings have been perhaps the largest single source of social discontent in contemporary China.33
Francis Fukuyama (Political Order and Political Decay: From the Industrial Revolution to the Globalization of Democracy)
The economic basis of the State did not correspond with the administrative character which Charlemagne had endeavoured to preserve. The economy of the State was based upon the great domain without commercial outlets. The landowners had no need of security, since they did not engage in commerce. Such a form of property is perfectly consistent with anarchy. Those who owned the soil had no need of the king.
Henri Pirenne (Mohammed and Charlemagne)
The earliest use of writing was strictly commercial and economic, not political or bureaucratic. It was trade, entrepreneurship, and stewardship of private property, not politics, "public education" or the creation of national mythology that allowed humankind to transition from prehistory to history. Just as trade, entrepreneurship, and stewardship of private property have always been on the forefront of civilization's advancement, so were they also the driving force behind civilization's emergence.
Jakub Bożydar Wiśniewski
We've got a form of brainwashing going on in our country," Morrie sighed. "Do you know how they brainwash people? They repeat something over and over. And that's what we do in this country. Owning tings is good. More money is good. More property is good. More commercialism is good. More is good. More is good. We repeat it-and have it repeated to us-over and over until nobody bothers to even think otherwise. The average person is to fogged up by all this, he has no perspective on what's really important anymore.
Mitch Albom (Tuesdays with Morrie)
Is it honestly possible to feel safe and secure in a capitalist society that defines our human value based on what we do and how much we make, rather than who we are? Is it honestly possible to feel safe and secure in a society that bombards us with messages asserting (even aggressing) that in order to be secure in our self or with our place in the world we need to acquire more money, more religion, more objects, more products, more body-altering procedures or more property? Society teaches us how to love and who is worthy of love via the media, commercials and through institutionalized practices such as tax benefits for married couples. Relationships are defined as valuable and potential partners are evaluated as worthy based on how much money is spent on dinner, date nights, vacations, diamonds and wedding arrangements. Flipping to the other extreme and thinking that money doesn’t matter or is unimportant in a relationship can also be damaging, since we live in a society where money is a basic requirement for survival. It’s difficult to show up and thrive in relationships when we can’t feed ourselves, pay the bills or afford basic health care.
Jessica Fern (Polysecure: Attachment, Trauma and Consensual Nonmonogamy)
You have to ask what the end game is here — when 25 percent of Palo Alto homes are sold to overseas buyers as investments while the mainland Chinese property market tanks, when Palo Alto schools are known for their suicide rates as much as their academics, when the city that gave birth to the technology industry now can’t even house startups because of its sky-high commercial rents, when Latino and black communities are being wiped from the Western side of the San Francisco Bay Area and Oakland out into the exurbs of the East only to be called back by smartphone to deliver laundry or drive people around.
Anonymous
Jews had been so numerous in Poland, and because the share of urban property owned by Jews had been high, this amounted to a dramatic transformation of the whole society. It was not that all Poles were poorer than all Jews before the war. Nor was it the case that Poles prospered during the occupation—the scale of destruction, even in the countryside, was something inconceivable in western Europe. What was telling for the future was the German politics of relative deprivation: taking something from everyone, but taking everything from the Jews, and then taking their lives. This created the gaps—the empty apartments and commercial and professional niches—that Poles filled with all the greater determination given their losses during the war and their uncertainty about what was coming next.
Timothy Snyder (Black Earth: The Holocaust as History and Warning)
I am not speaking strictly of slavery here, but of that process that dislodges people from the webs of mutual commitment, shared history, and collective responsibility that make them what they are, so as to make them exchangeable--that is, to make it possible to make them subject to the logic of debt. Slavery is just the logical end-point, the most extreme from of such disentanglement. But for that reason it provides us with a window on the process as a whole. What's more, owing to its historical role, slavery has shaped our basic assumptions and institutions in ways that we are no longer aware of and whose influence we would probably never wish to acknowledge if we were. If we have become a debt society, it is because the legacy of war, conquest, and slavery has never completely gone away. It's still there, lodged in our most intimate conceptions of honor, property, even freedom. It's just that we can no longer see that it's there.
David Graeber (Debt: The First 5,000 Years)
The Proofs Human society has devised a system of proofs or tests that people must pass before they can participate in many aspects of commercial exchange and social interaction. Until they can prove that they are who they say they are, and until that identity is tied to a record of on-time payments, property ownership, and other forms of trustworthy behavior, they are often excluded—from getting bank accounts, from accessing credit, from being able to vote, from anything other than prepaid telephone or electricity. It’s why one of the biggest opportunities for this technology to address the problem of global financial inclusion is that it might help people come up with these proofs. In a nutshell, the goal can be defined as proving who I am, what I do, and what I own. Companies and institutions habitually ask questions—about identity, about reputation, and about assets—before engaging with someone as an employee or business partner. A business that’s unable to develop a reliable picture of a person’s identity, reputation, and assets faces uncertainty. Would you hire or loan money to a person about whom you knew nothing? It is riskier to deal with such people, which in turn means they must pay marked-up prices to access all sorts of financial services. They pay higher rates on a loan or are forced by a pawnshop to accept a steep discount on their pawned belongings in return for credit. Unable to get bank accounts or credit cards, they cash checks at a steep discount from the face value, pay high fees on money orders, and pay cash for everything while the rest of us enjoy twenty-five days interest free on our credit cards. It’s expensive to be poor, which means it’s a self-perpetuating state of being. Sometimes the service providers’ caution is dictated by regulation or compliance rules more than the unwillingness of the banker or trader to enter a deal—in the United States and other developed countries, banks are required to hold more capital against loans deemed to be of poor quality, for example. But many other times the driving factor is just fear of the unknown. Either way, anything that adds transparency to the multi-faceted picture of people’s lives should help institutions lower the cost of financing and insuring them.
Michael J. Casey (The Truth Machine: The Blockchain and the Future of Everything)
According to Bartholomew, an important goal of St. Louis zoning was to prevent movement into 'finer residential districts . . . by colored people.' He noted that without a previous zoning law, such neighborhoods have become run-down, 'where values have depreciated, homes are either vacant or occupied by color people.' The survey Bartholomew supervised before drafting the zoning ordinance listed the race of each building's occupants. Bartholomew attempted to estimate where African Americans might encroach so the commission could respond with restrictions to control their spread. The St. Louis zoning ordinance was eventually adopted in 1919, two years after the Supreme Court's Buchanan ruling banned racial assignments; with no reference to race, the ordinance pretended to be in compliance. Guided by Bartholomew's survey, it designated land for future industrial development if it was in or adjacent to neighborhoods with substantial African American populations. Once such rules were in force, plan commission meetings were consumed with requests for variances. Race was frequently a factor. For example, on meeting in 1919 debated a proposal to reclassify a single-family property from first-residential to commercial because the area to the south had been 'invaded by negroes.' Bartholomew persuaded the commission members to deny the variance because, he said, keeping the first-residential designation would preserve homes in the area as unaffordable to African Americans and thus stop the encroachment. On other occasions, the commission changed an area's zoning from residential to industrial if African American families had begun to move into it. In 1927, violating its normal policy, the commission authorized a park and playground in an industrial, not residential, area in hopes that this would draw African American families to seek housing nearby. Similar decision making continued through the middle of the twentieth century. In a 1942 meeting, commissioners explained they were zoning an area in a commercial strip as multifamily because it could then 'develop into a favorable dwelling district for Colored people. In 1948, commissioners explained they were designating a U-shaped industrial zone to create a buffer between African Americans inside the U and whites outside. In addition to promoting segregation, zoning decisions contributed to degrading St. Louis's African American neighborhoods into slums. Not only were these neighborhoods zoned to permit industry, even polluting industry, but the plan commission permitted taverns, liquor stores, nightclubs, and houses of prostitution to open in African American neighborhoods but prohibited these as zoning violations in neighborhoods where whites lived. Residences in single-family districts could not legally be subdivided, but those in industrial districts could be, and with African Americans restricted from all but a few neighborhoods, rooming houses sprang up to accommodate the overcrowded population. Later in the twentieth century, when the Federal Housing Administration (FHA) developed the insure amortized mortgage as a way to promote homeownership nationwide, these zoning practices rendered African Americans ineligible for such mortgages because banks and the FHA considered the existence of nearby rooming houses, commercial development, or industry to create risk to the property value of single-family areas. Without such mortgages, the effective cost of African American housing was greater than that of similar housing in white neighborhoods, leaving owners with fewer resources for upkeep. African American homes were then more likely to deteriorate, reinforcing their neighborhoods' slum conditions.
Richard Rothstein (The Color of Law: A Forgotten History of How Our Government Segregated America)
How is money created? An example: You buy a house or take out a mortgage on the excess value of your property. You want 200,000 Dollars. The following happens. The bank’s computer adds these virtual numbers - because that is what they are - to your bank account, and then you have to bleed for the next 30 years, WITH INTEREST. The bank attached a fictional number to your name and for 30 years you need to work to pay the money back. The bank didn’t build your house, nor did it pay for the materials. That was done by people like you and me. They too have to pay, because they also have a mortgage. And when you die, your kids will have to pay taxes on your estate. Often, they have to take out a mortgage of their own to do so[74]. Another example of how banks create money out of nothing: You go to the bank to lend 1,000 Dollars. One year later, you have to pay 1,100 Dollars back, including interest. The additional 100 Dollars come from fellow citizens, for instance in the form of wages or profit sharing. In other words, the extra 100 Dollars come from society. This can only happen when the total amount of money in circulation increases. That increase – inflation – is created when the bank creates more money. In other words: “Interest payments are a direct way to create money.” All the money that exists comes from the bank. This remarkable phenomenon has been described as follows by Mr. Robert Hemphill, Credit Manager of the Federal Reserve Bank in Atlanta: “If all the bank loans were paid, there would not be a dollar in circulation. This is a staggering thought. We are completely dependent on the commercial banks. Someone has to borrow every dollar we have in circulation, cash, or credit. If the banks create ample synthetic money we are prosperous; if not, we starve. We are absolutely without a permanent money system. When one gets a complete grasp of the picture, the tragic absurdity of our hopeless situation is almost incredible - but there it is.”[75]
Robin de Ruiter (Worldwide Evil and Misery - The Legacy of the 13 Satanic Bloodlines)
Then, just as we were to leave on a whirlwind honeymoon in the beautiful Pacific Northwest, a call came from Australia. Steve’s friend John Stainton had word that a big croc had been frequenting areas too close to civilization, and someone had been taking potshots at him. “It’s a big one, Stevo, maybe fourteen or fifteen feet,” John said over the phone. “I hate to catch you right at this moment, but they’re going to kill him unless he gets relocated.” John was one of Australia’s award-winning documentary filmmakers. He and Steve had met in the late 1980s, when Steve would help John shoot commercials that required a zoo animal like a lizard or a turtle. But their friendship did not really take off until 1990, when an Australian beer company hired John to film a tricky shot involving a crocodile. He called Steve. “They want a bloke to toss a coldie to another bloke, but a croc comes out of the water and snatches at it. The guy grabs the beer right in front of the croc’s jaws. You think that’s doable?” “Sure, mate, no problem at all,” Steve said with his usual confidence. “Only one thing, it has to be my hand in front of the croc.” John agreed. He journeyed up to the zoo to film the commercial. It was the first time he had seen Steve on his own turf, and he was impressed. He was even more impressed when the croc shoot went off flawlessly. Monty, the saltwater crocodile, lay partially submerged in his pool. An actor fetched a coldie from the esky and tossed it toward Steve. As Steve’s hand went above Monty’s head, the crocodile lunged upward in a food response. On film it looked like the croc was about to snatch the can--which Steve caught right in front of his jaws. John was extremely impressed. As he left the zoo after completing the commercial shoot, Steve gave him a collection of VHS tapes. Steve had shot the videotapes himself. The raw footage came from Steve simply propping his camera in a tree, or jamming it into the mud, and filming himself single-handedly catching crocs. John watched the tapes when he got home to Brisbane. He told me later that what he saw was unbelievable. “It was three hours of captivating film and I watched it straight through, twice,” John recalled to me. “It was Steve. The camera loved him.” He rang up his contacts in television and explained that he had a hot property. The programmers couldn’t use Steve’s original VHS footage, but one of them had a better idea. He gave John the green light to shoot his own documentary of Steve. That led to John Stainton’s call to Oregon on the eve of our honeymoon. “I know it’s not the best timing, mate,” John said, “but we could take a crew and film a documentary of you rescuing this crocodile.” Steve turned to me. Honeymoon or crocodile? For him, it wasn’t much of a quandary. But what about me?” “Let’s go,” I replied.
Terri Irwin (Steve & Me)
As the liberal sees it, the task of the state consists solely and exclusively in guaranteeing the protection of life, health, liberty, and private property against violent attacks. Everything that goes beyond this is an evil. A government that, instead of fulfilling its task, sought to go so far as actually to infringe on personal security of life and health, freedom, and property would, of course, be altogether bad. Still, as Jacob Burckhardt says, power is evil in itself, no matter who exercises it. It tends to corrupt those who wield it and leads to abuse. Not only absolute sovereigns and aristocrats, but the masses also, in whose hands democracy entrusts the supreme power of government, are only too easily inclined to excesses. In the United States, the manufacture and sale of alcoholic beverages are prohibited. Other countries do not go so far, but nearly everywhere some restrictions are imposed on the sale of opium, cocaine, and similar narcotics. It is universally deemed one of the tasks of legislation and government to protect the individual from himself. Even those who otherwise generally have misgivings about extending the area of governmental activity consider it quite proper that the freedom of the individual should be curtailed in this respect, and they think that only a benighted doctrinairism could oppose such prohibitions. Indeed, so general is the acceptance of this kind of interference by the authorities in the life of the individual that those who, are opposed to liberalism on principle are prone to base their argument on the ostensibly undisputed acknowledgment of the necessity of such prohibitions and to draw from it the conclusion that complete freedom is an evil and that some measure of restriction must be imposed upon the freedom of the individual by the governmental authorities in their capacity as guardians of his welfare. The question cannot be whether the authorities ought to impose restrictions upon the freedom of the individual, but only how far they ought to go in this respect. No words need be wasted over the fact that all these narcotics are harmful. The question whether even a small quantity of alcohol is harmful or whether the harm results only from the abuse of alcoholic beverages is not at issue here. It is an established fact that alcoholism, cocainism, and morphinism are deadly enemies of life, of health, and of the capacity for work and enjoyment; and a utilitarian must therefore consider them as vices. But this is far from demonstrating that the authorities must interpose to suppress these vices by commercial prohibitions, nor is it by any means evident that such intervention on the part of the government is really capable of suppressing them or that, even if this end could be attained, it might not therewith open up a Pandora's box of other dangers, no less mischievous than alcoholism and morphinism. Whoever is convinced that indulgence or excessive indulgence in these poisons is pernicious is not hindered from living abstemiously or temperately. This question cannot be treated exclusively in reference to alcoholism, morphinism, cocainism, etc., which all reasonable men acknowledge to be evils. For if the majority of citizens is, in principle, conceded the right to impose its way of life upon a minority, it is impossible to stop at prohibitions against indulgence in alcohol, morphine, cocaine, and similar poisons. Why should not what is valid for these poisons be valid also for nicotine, caffeine, and the like? Why should not the state generally prescribe which foods may be indulged in and which must be avoided because they are injurious? In sports too, many people are prone to carry their indulgence further than their strength will allow. Why should not the state interfere here as well? Few men know how to be temperate in their sexual life, and it seems especially difficult for aging persons to understand that they should cease entirel
Ludwig von Mises (Liberalism: The Classical Tradition)
Long-Term Results The practical value of the solutions obtained is one way to determine if the subjective reports of accomplishments might be temporary euphoria. The nature of these solutions covered a broad spectrum, including: A new approach to the design of a vibratory microtome A commercial building design, accepted by the client Space-probe experiments devised to measure solar properties Design of a linear electron accelerator beam-steering device An engineering improvement to a magnetic tape recorder A chair design modeled and accepted by the manufacturer A letterhead design approved by the customer A mathematical theorem regarding NOR-gate circuits Completion of a furniture-line design A new conceptual model of a photon found to be useful A design of a private dwelling approved by the client Table 9.3
James Fadiman (The Psychedelic Explorer's Guide: Safe, Therapeutic, and Sacred Journeys)
Every fifth link in the Chain was public property. These tended to be parks, though some served as cultural facilities. So you were never more than two links away from green, or at least open, space. The other 576 links were privately owned, and constituted a commercial and residential real estate market that would have been easily recognizable to any pre-Zero property magnate.
Neal Stephenson (Seveneves)
Over the next couple of years, we built and tested a series of prototypes, started dialogues with leading manufacturers, and added business development and technical staff to our team, including mechanical and aerospace engineers. Our plan was that PAX scientific would be an intellectual-property-creating R & D company. When we identified appropriate market sectors, we would license our patents to outside entrepreneurs or to our own, purpose-built, subsidiaries. Given my previous experience on the receiving end of hostile takeovers, we were determined to maintain control of PAX Scientific and its subsidiaries in their development stages. Creating subsidiaries that were market specific would help, since new investors could buy stock in a more narrowly focused business, without direct dilution of the parent company. We were introduced to fellow Bay Area resident Paul Hawken. A successful entrepreneur, author, and articulate advocate for sustainability and natural capitalism, Paul understood our vision of a parent company that concentrated on research and intellectual property, while separate teams focused on product commercialization. With his own angel investment backing, Paul established a series of companies to market computer, industrial, and automotive fans. PAX assigned worldwide licenses to these companies in exchange for up-front fees and a share of revenue; Paul hired managers and set off to sell fan designs to manufacturers.
Jay Harman (The Shark's Paintbrush: Biomimicry and How Nature is Inspiring Innovation)
Greater Noida West Residential & Commercial Projects Noida Extension Upcoming new Residential Apartment & Flats Projects, Residential and commercial Properties in Greater Noida West,
Vikas Joshi
The Modus Operandi of THE REGULUS CONCLAVE as spelled out in 1853! “We hold such and such opinions upon one point only; and that one point is, mutual interest, and under that; 1st, that we can govern this nation; 2d, that to govern it, we must, subvert its institutions; and, 3d, subvert them we will! It is our interest; this is our only bond. Capital must have expansion. This hybrid republicanism saps the power of our great agent by its obstinate competition. We must demoralize the republic. We must make public virtue a by-word and a mockery, and private infamy to be honor. Beginning with the people, through our agents, we shall corrupt the State. “We must pamper superstition, and pension energetic fanaticism—as on ’Change we degrade commercial honor, and make success the idol. We may fairly and reasonably calculate, that within a succeeding generation, even our theoretical schemes of republican subversion may be accomplished, and upon its ruins be erected that noble Oligarchy of caste and wealth for which we all conspire, as affording the only true protection to capital. “Beside these general views, we may in a thousand other ways apply our combined capital to immediate advantage. We may buy up, through our agents, claims upon litigated estates, upon confiscated bonds, mortgages upon embarrassed property, land-claims, Government contracts, that have fallen into weak hands, and all those floating operations, constantly within hail, in which ready-money is eagerly grasped as the equivalent for enormous prospective gains. “In addition, through our monopoly of the manufacturing interest, by a rigorous and impartial system of discipline, we shall soon be able to fill the masses of operators and producers with such distrust of each other, and fear of us, as to disintegrate their radical combinations, and bring them to our feet. Governing on ’Change, we rule in politics; governing in politics, we are the despots in trade; ruling in trade, we subjugate production; production conquered, we domineer over labor. This is the common-sense view of our interests—of the interests of capital, which we represent. In the promotion of this object, we appoint and pension our secret agents, who are everywhere on the lookout for our interests. We arrange correspondence, in cipher, throughout the civilized world; we pension our editors and our reporters; we bribe our legislators, and, last of all, we establish and pay our secret police, local, and travelling, whose business it is, not alone to report to us the conduct of agents already employed, but to find and report to us others, who may be useful in such capacity. “We punish treachery by death!” (from YIEGER'S CABINET or SPIRITUAL VAMPIRISM, published 1853)
Charles Wilkins Webber
The original Guinness Brewery in Dublin has a 9,000-year lease on its property at a perpetual rate of 45 pounds per year--one of the best bargains in Irish commercial history!
Rashers Tierney (F*ck You, I'm Irish: Why We Irish Are Awesome)
Friction-Free Economies Why is it necessary to turn to a cultural characteristic like spontaneous sociability to explain the existence of large-scale corporations in an economy, or prosperity more generally? Wasn’t the modern system of contract and commercial law invented precisely to get around the need for business associates to trust one another as family members do? Advanced industrialized societies have created comprehensive legal frameworks for economic organization and a wide variety of juridical forms, from individual proprietorships to large, publicly traded multinational enterprises. Most economists would add rational individual self-interest to this stew to explain how modern organizations arise. Don’t businesses based on strong family ties and unstated moral obligations degenerate into nepotism, cronyism, and generally bad business decision making? Indeed, isn’t the very essence of modern economic life the replacement of informal moral obligations with formal, transparent legal ones?1 The answer to these questions is that although property rights and other modern economic institutions were necessary for the creation of modern businesses, we are often unaware that the latter rest on a bedrock of social and cultural habits that are too often taken for granted. Modern institutions are a necessary but not a sufficient condition for modern prosperity and the social well-being that it undergirds; they have to be combined with certain traditional social and ethical habits if they are to work properly. Contracts allow strangers with no basis for trust to work with one another, but the process works far more efficiently when the trust exists. Legal forms like joint-stock companies may allow unrelated people to collaborate, but how easily they do so depends on their cooperativeness when dealing with nonkin.
Francis Fukuyama (Trust: The Social Virtues and the Creation of Prosperity)
Alien enemies are those who are subjects of different sovereignties which are at war with each other. In some cases, war simply suspends the contractual powers of aliens and does not terminate them. But in no case will communications or transfers of property or money across the line of hostilities be permitted.^
James Matlock Ogden (The law of negotiable instruments, including promissory notes, bills of exchange, bank checks and other commercial paper, with...)
The Constitution guarantees protections to property, and we must make that promise good. But it does not give the right of suffrage to any corporation. The true friend of property, the true conservative, is he who insists that property shall be the servant and not the master of the commonwealth; who insists that the creature of man’s making shall be the servant and not the master of the man who made it. The citizens of the United States must effectively control the mighty commercial forces which they have themselves called into being.
Edmund Morris (Colonel Roosevelt (Theodore Roosevelt Series Book 3))
Maine Snow Removal has served commercial businesses, industries, and organizations in Western Maine for over 25 years. With a mission to maintain safe winter environments by providing responsive, efficient, and reliable snow removal and ice control services. We are renowned for servicing commercial parking lots of all sizes. We plow residential & commercial properties, association and camp roads, apartment complexes, and municipalities such as police and fire departments as well.
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After a long multi-decade fight with the city, the 200 households of Charrúa were in 1991 granted something that would offer them the most important foundation for development they could get: certificates of property ownership. The Charrúa families didn’t earn higher incomes than those in other parts of the neighborhood, and they weren’t more educated or better connected. The difference was that they had the capacity to prove home ownership with the indisputable seal of a government. And that status opened the door to a whole host of other benefits. As taxpaying property owners, they now had standing in the community, which meant they could lobby the government for services. That led to the school and the clinic. And they could use the deeds as collateral to borrow money to invest in businesses, which is why Charrúa became a commercial center, lined with stores and small restaurants. A visitor from the tony neighborhoods of the city’s northern corridor would still see a stark lack of amenities, but to the Bolivian locals, this two-block strip is proof that at least some of their kind have made it. What does this have to do with the blockchain? Well, to answer that, let’s not focus on the comparatively lucky 200 households of Charrúa but on the hundreds of thousands of Bolivians and other slum-dwellers of Buenos Aires and shantytowns all around the developing world who don’t have a title to their home. Their communities will acknowledge them as the owners but there’s nothing official saying so, nothing that’s accepted by the government or a bank, that is. Public registry systems in low-income countries are prone to corruption and incompetence—so a poor resident of a slum in a village in Uttar Pradesh or Manila might try to get a loan with their home as collateral, but no bank would accept it.
Michael J. Casey (The Truth Machine: The Blockchain and the Future of Everything)
Any bank that does commercial real estate loans is going to measure four things to determine whether they will give you a loan: 1) The property. 2) Trailing 12 to 24 months of income. 3) Your credit score and net worth. 4) Your experience managing properties.
Grant Cardone (How To Create Wealth Investing In Real Estate: How to Build Wealth with Multi-Family Real Estate)
Your website needs to be designed properly. Don't let the TV commercials and spam convince you to de-prioritize it's importance. It needs to be designed to represent your brand and create trust, and it needs to be developed to be fast, responsive, and be scalable. You will regret making a quick cheap decision when it comes to your most important web property.
Leland Dieno (Face The Book With Your Small Business: A step by step guide to establishing your small business on the biggest social media network in existance..)
We are the best property management company in Vancouver. Our Realtor offers comprehensive property management services for both residential and commercial rental properties.
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Our role is to protect your rental property investment while still providing you with the best possible return on investment.
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© INCARNATES I recommend that you should read these books too. ‘Minecraft Ninja’ series tells about the adventures of Steve and ‘Minecraft Agent’ series tells about the adventures of Jack. As this book is a clash of both these series, you will relate better tothe characters. It will help.☺ NINJA SERIES If you haven’t read the first FOUR books, grab THEM before starting this one. Otherwise, you’ll be confused. GRAB THEM FREE WITH KINDLE UNLIMITED SUBSCRIPTION OTHER SERIES BY ME AGENT SERIES GRAB THEM FREE WITH KINDLE UNLIMITED SUBSCRIPTION!! All rights reserved. No part of this work may be reproduced or utilized in any form or by any means, electronic or mechanical, including photocopying, recording, or by any informational storage and retrieval system, without the prior permission of the publisher. This book is in no way authorized by, endorsed by, or affiliated with Minecraft or its subsidiaries. All references to Minecraft and other trademarked properties are used in accordance with the Fair use of Doctrine and are not meant to imply that this book is a Minecraft product for advertising or other commercial purposes. TABLE OF CONTENTS Chapter 1 – History Chapter 2 Chapter 3 Chapter 4 Chapter 5 Chapter 6 Chapter 7 Chapter 8 Chapter 9 Chapter 10 DON’T WAIT ONE WORD Chapter 1 – History Before you go any further,Just to say thank you for purchasing this book, I want to give you a FREE gift, a great, adventurous and an action pack book for you.
Alex Anderson (Minecraft: Battle of Legends Book 1 (An Unofficial Minecraft Book))
We’re a family run business providing drainage services to domestic and commercial properties throughout Yorkshire & Lancashire. With 20 years experience we can provide fast, efficient and cost effective solutions to all your drainage needs.
TCM Draincare
Hello friends, Here is rehaish.shop real estate agency in Lahore. We are providing house, apartment, villa, farm house, land and commercial property for sale or lease in lahore, pakistan.
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Being mayor of anywhere has perks. Like buying worthless property and then getting it zoned commercial and selling it for ten times what you bought it for.
Victor Methos (The Hallows)
Are you a property manager looking for custom odd size HVAC filters for your Commercial or Residential Building? We supply hundreds of buildings throughout all major cities. Whether you need a case of custom filters or a truckload we are at your service. Purchase order options are available. Custom filters direct also has the capabilities of selling direct to our residential customer's home. We also offer residential & commercial subscription services. Order today!
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Omaxe has recently launched a new commercial project: Omaxe world street sector 79. The luxurious facilities they offer to the property buyers at affordable prices are just unbeatable. If you are looking for a commercial property in Faridabad, then SCO in omaxe will be the best option for you.
PROPTRADE
Due to the lockdown, every property has become costly because of economic crises. In Proptrade, we are providing all facilities at an effective and reliable cost. Here you can deal in any Commercial Projects Sector 79 in Faridabad. Omaxe World Street in Faridabad has made a good image in the market in a short time. People are much aware of this platform. Under this project, you can buy your dream Commercial Property in Faridabad and take lifelong benefits.
PROPTRADE
Richard Hogan owns PG Homes, LLC, a company focusing on the acquisition and development of commercial and residential properties.
richardhoganmerrilllynch
When relationships don't work out you want an experienced family law lawyer in your corner. Robert Haas has been practicing family law since 1993. He has extensive experience in difficult parenting disputes, support claims, & division of property & pension cases. Robert is one of a small number of family law lawyers in the London Ontario Canada area with experience in both family and commercial law. Contact him today for help with divorces, separations, custody agreements, & more.
Robert Haas Lawyer
The Complete Guide to Real Estate Finance: How to Analyze Any Single-Family, Multifamily, or Commercial Property (Hoboken, NJ: Wiley, 2004),
Steve Berges (The Complete Guide to Buying and Selling Apartment Buildings)
Welcome to Cumbria Coatings - A high quality mobile paint spraying service for residential and commercial properties, specializing in spraying the following items: UPVC Windows, Doors & Conservatories, Garage Doors, Fascias and Soffits, Shop Fronts, Railings, Bespoke Items, Massive savings, by respraying rather than replacing, A selection of any RAL / colour codes, A choice of finishes, including matte, satin and gloss, All supported by over 12 years of spraying experience.
Cumbria Coatings
love of independence and property, the most steady and industrious of all human appetites.” Commercial society supplies that “love of independence” in abundance.
Arthur Herman (How the Scots Invented the Modern World: The True Story of How Western Europe's Poorest Nation Created Our World and Everything In It)
love of independence and property, the most steady and industrious of all human appetites.” Commercial society supplies that “love of independence” in abundance. It encourages men to overturn custom and tradition, and establish a new kind of law, based on a free circulation of goods and services.
Arthur Herman (How the Scots Invented the Modern World: The True Story of How Western Europe's Poorest Nation Created Our World and Everything In It)
commercial property can often sit empty for many months or years. Unless you are starting from a very solid financial position, investing in commercial real estate is not recommended for beginners.
Joshua Dorkin (BiggerPockets Presents: The Ultimate Beginner's Guide to Real Estate Investing)
What are you trying to buy? Asset type? Size? Price? To determine the answer to the first question, do the following: Start with your own net worth. Add in friends and family. The total team net worth is your starting point. Choose a market. Consider travel time and expense. You must be able to be in your market to look at deals at least once a month. Determine the viability of your market. Job growth? Population growth? Get deal flow from the market. Real estate agents Find all commercial realty companies in the city. Get on all their mailing lists. Analyze deals online from realtors in the area. Call the realtors about their listings. Direct to owners Get lists of owners. Create a system to reach owners directly. Mail Text Cold calling Analyze deals. Income approach Income – Expenses = Net operating income Net operating income – Debt service = Cash flow Check with lenders for current terms on debt. What is the CoC return? Cap rate? Debt ratio? Comparable data Check the analyzed cap rate against cap rates in the area for similar properties. Check comparable sale prices. Comps should be close in size and age to the subject property. Comps should have similar amenities. Comps should be within a few miles of the subject property. Exit Hold and operate. Refinance. Sell or flip. Consider upcoming market conditions. Debt Check with lenders or a mortgage broker to determine the availability of loans for this type of property. What are the terms and conditions? Is this the information you used to analyze the deal originally? Make the offer. Use an LOI to submit the offer in writing. The LOI will summarize the main deal points. If your offer is less than 15 percent of the asking price, speak with the realtor before you submit the offer. Once the offer is accepted, send the LOI to your attorney and have them draft the purchase agreement. Draft the purchase and sale agreement. Now that you have a fully executed contract, the clock starts. Earnest money goes into escrow. Do your due diligence. Financial inspection Physical inspection Lease audit Begin your loan application. The lender will complete three inspections. Appraisal Environmental inspection Physical engineer inspection of the buildings Do your closing. The lender will wire the loan proceeds to the closing escrow. Wire your down payment funds to the closing escrow. You own a new property! Engage property management for takeover of operations.
Bill Ham (Real Estate Raw: A step-by-step instruction manual to building a real estate portfolio from start to finish)
Need protection for your home or commercial properties? SP Shutters is the leading manufacturer and installer of roller shutters! Customization also available here and they also offer shutters for commercial and living places. Also they provide service for fire protection purpose. For more Call 1300883933
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Commercial roller shutters in Melbourne are getting more popular nowadays because of its important benefits that everyone can have at home. They are a great addition to any home, business, or commercial property. SP Shutters Doors and Blinds commercial roller shutters are a great security solution for commercial properties, protecting the building and its contents from intruders. Wanna install it? Get it now!
emma old
Need protection for your home or commercial properties? SP Shutters is the leading manufacturer and installer of roller shutters! Customization also available here and they also offer shutters for commercial and living places. Also they provide service for fire protection purpose. For more Call 1300883933
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Need protection for your home or commercial properties? SP Shutters is the leading manufacturer and installer of roller shutters! Customization also available here and they also offer shutters for commercial and living places. Also they provide service for fire protection purpose. For more Call 1300883933
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Maya River
am impressed with how well they do in a world where street crime seems to be increasing exponentially. There is an obvious economic relationship between the amount of “free crime” at the top of the economic food chain, and the increases in poverty, hopelessness addiction and street crime at the bottom. The police are doing a great job (on the streets) in my view. If memory serves me they responded to 35,000 calls in one year with their $40 million dollar budget. However, the public must know that they (police) rarely respond or get involved in high value economic crime, and often they tell victims of million dollar crimes, that their complaint is a “civil matter” and should be dealt with in the civil courts. They do a great job at the level of street safety and property protection, but at most crimes over a certain financial level, or complexity, they defer to others. Police do not appear to function in government buildings and office suites, like they do in the streets. My government has offices for high value economic crimes. These are commercial crime police units called the RCMP Integrated Markets Enforcement Teams. (RCMP IMET) By some coincidence they also operate on a budget in the neighborhood of $40 Million dollars…but $40 Million is what they have for the protection of the entire country of Canada. They handle perhaps a dozen cases a year, and we rarely hear of a successful prosecution. I believe it is intentional. No person power finds it wise…to investigate persons in power.
Larry Elford (Farming Humans: Easy Money (Non Fiction Financial Murder Book 1))
Case #6 Sandy and Bob Bob is a successful dentist in his community. In the 15 years since he established his own practice, he has established a reliable base of patients and has built a thriving business in a great location. A couple years ago, he brought his wife, Sandy, a business expert with an MBA, on board to help him oversee the business end of the dental practice. She had recently left her job at a financial services firm, and Bob knew that Sandy’s business acumen would be helpful in getting his administrative house in order. She brought on new employees, developed effective new processes, and enhanced the office’s marketing efforts. Within a few months, Sandy’s improvements had managed to make the dental practice a well-oiled machine. Now she could turn her attention to their real estate portfolio. Bob and Sandy owned three small apartment buildings around town, as well as one small commercial center that was home to a nail salon, a chiropractor’s office, a coffee house and a wine shop. Fortunately, Bob’s dental practice was a success and their investments earned a nice passive income for them. Unfortunately, because Bob earned on average $250,000 per year, the couple couldn’t use passive loss, which in their case came to about $100,000, from their investments to offset his high earned income. Eventually, they would be earning sheltered profits—when the mortgages on their properties were paid off and the rentals made pure profit, or if they were to sell a property. When those things eventually happened, they could use their losses to shelter those profits. But until that time, the losses were going unused. Sandy made an appointment with their CPA to discuss the situation and see how they might improve their tax situation. The CPA asked, “What about becoming a real estate professional?” He explained to Sandy that if she spent 750 hours per year, or about 15 hours a week, on the couple’s real estate investments, she would be considered a real estate professional by the IRS. This would enable the couple to write off 100 percent of their passive losses against Bob’s high income, which would bring his taxable income down to $100,000. This $100,000 deduction brought Bob and Sandy into a lower tax bracket, saving them roughly $31,000 in taxes. Sandy already devoted a large percentage of her time to overseeing their investments, and when she saw the tax advantages, her decision became clear: She would file the Section 469(c)(7) and become a real estate professional.
Garrett Sutton (Loopholes of Real Estate: Secrets of Successful Real Estate Investing (Rich Dad's Advisors (Paperback)))
MCE Masonry and Landscaping is a premier landscape company located in Morristown NJ. We specialize in masonry design for stone walls, patio steps, chimneys, brick pavers, sidewalks, and decorative walls. Our landscaping services include lawn care, drainage, trimming, and pruning for residential and commercial properties. Whether you are a homeowner looking to refresh your outdoor landscaping or a business owner looking for property maintenance. MCE Masonry & Landscaping has the expertise to meet all our clients needs.
MCE Masonry and Landscaping
Storm Guard has been a trusted name in the roofing and construction field for over a decade. Our team of experts specializes in exterior projects including roofing, siding, windows, gutters, and emergency tarping services. Whether you're looking to make a small upgrade or complete a major home renovation, Storm Guard is there to provide high quality work for residential and commercial properties.
Storm Guard Roofing Nashville
Commercial loans tend to have lower loan-to-value ratios (LTVs) than residential loans and shorter loan terms that end in balloon payments. Residential mortgages come with longer loan terms and higher LTVs.
Michele Cagan (Real Estate Investing 101: From Finding Properties and Securing Mortgage Terms to REITs and Flipping Houses, an Essential Primer on How to Make Money with Real Estate (Adams 101))
Examples of publicly traded commercial mREITs include: • Jernigan Capital (JCAP), which specializes in self-storage facilities and has a 6.62 percent yield • Apollo Commercial Real Estate Finance (ARI), which holds commercial real estate debt and has a yield of 9.86 percent • Blackstone Mortgage Trust (BXMT), which originates loans backed by commercial properties in the US and Europe and has a yield of 7.15 percent
Michele Cagan (Real Estate Investing 101: From Finding Properties and Securing Mortgage Terms to REITs and Flipping Houses, an Essential Primer on How to Make Money with Real Estate (Adams 101))
When a fund manager doesn’t have to constantly worry about having enough cash or liquid assets on hand to meet constant redemptions (as is the case with regular mutual funds), she can take a long-term view. That lets her buy alternative assets like commercial real estate, real estate debt, and shares in high-end private investment funds.
Michele Cagan (Real Estate Investing 101: From Finding Properties and Securing Mortgage Terms to REITs and Flipping Houses, an Essential Primer on How to Make Money with Real Estate (Adams 101))
The three main players in the MBS market are: • Government National Mortgage Association, or GNMA (pronounced “Ginnie Mae”), is backed by a federal agency and guarantees mortgage payments on loans issued through federal loan programs (like the VA and the FHA). Unlike other MBS, bonds guaranteed by GNMA are backed by the full faith and credit of the US government, just like Treasury bonds. • Federal National Mortgage Association, or FNMA (“Fannie Mae”), is a private corporation that buys mortgages from large commercial banks, repackages them into bonds, and sells those bonds to investors. FNMA is not backed by the federal government (even though the government created it), so these bonds carry higher credit risk (the risk that you won’t get your money back). • Federal Home Loan Mortgage Corporation, or FHLMC (commonly called “Freddie Mac”), works almost the same way as FNMA. It buys up mortgages from smaller lenders, like savings and loan banks or credit unions, then packages them to create MBS. Freddie Mac bonds are not backed by the US government.
Michele Cagan (Real Estate Investing 101: From Finding Properties and Securing Mortgage Terms to REITs and Flipping Houses, an Essential Primer on How to Make Money with Real Estate (Adams 101))
From a strictly investment perspective, commercial real estate has several benefits over residential real estate: • More stable cash flow • Longer leases (usually five to ten years) • More opportunity for cash flow (more rental units than even a multi-family home) • Economies of scale (lower per-unit costs, like buying in bulk)
Michele Cagan (Real Estate Investing 101: From Finding Properties and Securing Mortgage Terms to REITs and Flipping Houses, an Essential Primer on How to Make Money with Real Estate (Adams 101))
Real Estate Investment Trusts, or REITs (pronounced “reets”), are companies that own and collect rent from commercial and residential properties.10 Bundled into real-estate mutual funds, REITs do a decent job of combating inflation. The best choice is Vanguard REIT Index Fund; other relatively low-cost choices include Cohen & Steers Realty Shares, Columbia Real Estate Equity Fund, and Fidelity Real Estate Investment Fund.11 While a REIT fund is unlikely to be a foolproof inflation-fighter, in the long run it should give you some defense against the erosion of purchasing power without hampering your overall returns.
Benjamin Graham (The Intelligent Investor)
The professionals at Mini Binz are devoted to quality for your dumpster rental requirements for residential and commercial property projects.
Mini Binz
Mansha Group, established in 2006 by Mr. Naresh Kumar Malik, is one of the mainland organizations in Delhi NCR. The group has solid 35 years of experience in the real estate market. Mansha Builders in Faridabad introduce a wide choice of residential, industrial, commercial, and institutional properties to its clients.
Mansha Group
Examples of real estate mutual funds include: • Fidelity Real Estate Investment Portfolio (FRESX), a managed fund (so expect a higher expense ratio) that selects REITs with high-quality properties (mainly commercial and industrial) • Cohen & Steers Realty Shares (CSRSX), a managed fund that holds a targeted portfolio of forty to sixty commercial REITs • Vanguard Real Estate Index Fund Admiral Shares (VGSLX), a low-cost index fund that tracks a key REIT benchmark index (called the MSCI US Investable Market Real Estate 25/50 Index) • Cohen & Steers Quality Income Realty Fund (RQI), a closed-end fund that holds a variety of high-income-producing commercial REITs and real estate–related stocks
Michele Cagan (Real Estate Investing 101: From Finding Properties and Securing Mortgage Terms to REITs and Flipping Houses, an Essential Primer on How to Make Money with Real Estate (Adams 101))
REIT ETFs can cover a broad market (like all equity REITs) or a narrow slice (like hotel REITs). Examples of real estate ETFs include: • Vanguard Real Estate ETF (VNQ), which follows the MSCI US Investable Market Real Estate 25/50 Index (a broad REIT index) • iShares Global REIT (REET), which tracks the FTSE EPRA/NAREIT Global REIT Index and holds a combination of US and overseas property REITs • Pacer Benchmark Industrial Real Estate Sector ETF (INDS), a targeted fund that follows the Benchmark Industrial Real Estate SCTR Index with an emphasis on industrial (such as cell towers and data centers) and self-storage properties • Schwab US REIT ETF (SCHH), which tracks the Dow Jones US Select REIT Index, holding a broad mix of residential and commercial REITs
Michele Cagan (Real Estate Investing 101: From Finding Properties and Securing Mortgage Terms to REITs and Flipping Houses, an Essential Primer on How to Make Money with Real Estate (Adams 101))
Beacon Business Insurance is your one stop shop for everything business insurance related. We have agents that specialize in workers compensation insurance, commercial auto insurance, commercial property insurance, general liability insurance & cyber security insurance and more. If you need business insurance in California, we can help. Our well established business insurance agency has access to some of the best business insurance companies in the industry.
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At TCM Draincare we are a family run business based in Silsden, Bradford providing drainage services to domestic and commercial properties throughout Yorkshire and Lancashire. Our experts are qualified in all aspects of drainage for your home or business. We are extremely proud of our reputation and value our customers.
Blocked Drains Yorkshire
the Valley of High Parking Requirements. On one edge of the valley were single-family homes, fast-food restaurants, low-slung commercial box stores—all the familiar building types that could be comfortably “parked” at ground level, even if parking took up 60 or 70 percent of the property. On the other edge of the valley were high-density, high-value properties like offices, hotels, malls, and condos that could afford to build structured (or even subterranean) parking garages. Anything in between was impossible to build because it was impossible to park—surface parking would take up too much room; structured parking would cost too much to build. The Valley of High Parking Requirements was barren ground where nothing would grow.
Henry Grabar (Paved Paradise: How Parking Explains the World)
We’re a family run business providing drainage services to domestic & commercial properties throughout Yorkshire & Lancashire. With 20 years experience we can provide fast, efficient & cost effective solutions to all your drainage needs.
TCM Draincare
First, invest in human ingenuity by teaching social entrepreneurship, problem-solving and collaboration in schools and universities worldwide: such skills will equip the next generation to innovate in open-source networks like no generation before them. Second, ensure that all publicly funded research becomes public knowledge by contractually requiring it to be licensed in the knowledge commons, rather than permitting it to be locked away under patents and copyright for private commercial gain. Third, roll back the excessive reach of corporate intellectual property claims in order to prevent spurious patent and copyright applications from encroaching on the knowledge commons.
Kate Raworth (Doughnut Economics: Seven Ways to Think Like a 21st-Century Economist)
The most famous ruler of this period was Hammurabi, who lived circa 1810–1750 BCE. He is best known for the Code of Hammurabi—a set of laws inscribed on a black basalt pillar that now stands in the Louvre Museum. Hammurabi’s code specifies the rate of interest on silver at 20% and on barley at 33⅓%. What is most important about the code is not what is says but what it represents. The code is a uniform legal framework for the entire Babylonian empire. It covered everything from criminal law to family law, commercial practice to property rights. It details a range of punishments for transgressions, methods of dispute resolution, and attributions of fault for various offenses. It specifies the roles of judge, jury, witnesses, plaintiffs, and defendants. It recognizes and elaborates the rights of ownership of property, including rights to lease and rights of eminent domain. It specifies the role of the written document in a contractual obligation, the necessity of receipts, and what should be done if they do not exist. It specifies legal tender. It describes the obligations of merchants, brokers, and agents and their fiduciary duties and limits to their liabilities in case of attack or theft. It places limits on the term of debt indenture (three years). In short, it creates a comprehensive, uniform framework for commerce.
William N. Goetzmann (Money Changes Everything: How Finance Made Civilization Possible)
It clicks, finally: Elena Anderson, wife of the notorious doctor who owns part of Aplana Island. His house, a renovated hotel on the south side, is a piece of property Daddy’s tried to obtain for years, with the intention of turning it commercial, but Dr. Anderson’s resolve is unwavering.
Sav R. Miller (Oaths and Omissions (Monsters & Muses, #3))
ABC Finance Ltd are a family owned FCA regulated commercial finance broker who specialise in bridging loans, secured loans, commercial mortgages, property development finance, invoice finance and HMO mortgages. ABC Finance were founded by Peter Hemming on 3rd February 2000 and are now a family business, owned by Peter Hemming, Tina Hemming, Lee Hemming and Gary Hemming.
ABC Finance Limited
Crimp Roofing Sheets – 3sgroups Crimp roofing sheets have emerged as a versatile and stylish roofing solution that seamlessly combines functionality with aesthetic appeal. These sheets, characterized by their distinctive wavy pattern, offer a unique architectural element to any structure while providing essential protection from the elements. The crimping process not only enhances the sheet's strength and durability but also adds a visually captivating texture, making them a popular choice for both residential and commercial roofing applications. Durability Redefined: Crimp roofing sheets are engineered to withstand the harshest weather conditions, making them a reliable and long-lasting roofing solution. The crimping process enhances the structural integrity of the sheets, enabling them to resist impacts, heavy rainfall, and even extreme winds. This durability translates into reduced maintenance requirements and long-term cost savings, making crimp roofing sheets an economically sound investment for any construction project. Aesthetic Elegance: Beyond their impressive performance, crimp roofing sheets contribute significantly to the aesthetic appeal of a building. The unique wavy pattern adds depth and dimension to the roofline, creating an eye-catching visual effect. Whether used on contemporary structures or to add a touch of sophistication to traditional architecture, crimp roofing sheets effortlessly enhance the overall curb appeal of a property. Available in a range of colors and finishes, these sheets allow for creative design possibilities, enabling architects and homeowners to achieve their desired look with ease. In conclusion, crimp roofing sheets offer a harmonious blend of durability, style, and practicality. Their ability to provide superior protection while elevating the aesthetics of a structure makes them a favored choice for roofing solutions. With crimp roofing sheets, you're not just investing in a functional covering for your building; you're making a statement that merges architectural finesse with rugged reliability. Whether for a residential home or a commercial complex, crimp roofing sheets stand as a testament to the perfect synergy between form and function. In conclusion, crimp roofing sheets offer a harmonious blend of durability, style, and practicality. Their ability to provide superior protection while elevating the aesthetics of a structure makes them a favored choice for roofing solutions. With crimp roofing sheets, you're not just investing in a functional covering for your building; you're making a statement that merges architectural finesse with rugged reliability. Whether for a residential home or a commercial complex, crimp roofing sheets stand as a testament to the perfect synergy between form and function.
shree sivabalaaji steels
Buck Brothers has been supplying NW Ohio with Asphalt, Concrete, Sealcoat, and crackfill services since 1947. We specialize in residential and commercial properties in a 50 mile radius of Toledo.
Buck Bros Asphalt Paving and Concrete Services
Yet I cannot deny that the big cricket I am engaged in watching and writing about feels less precious, less special, less representative and less part of civic life than it used to; more the property of a commercial and bureaucratic elite puffed up with its own importance.
Gideon Haigh (Crossing the Line: How Australian Cricket Lost Its Way)
in order to attract private actors to carry through their innovation projects and policies, various components of the NSS have to create, and periodically update, a whole system of incentives and organizational arrangements—ranging from the funding and design of technology development to intellectual property and procurement reforms. Over time, this motivating process draws the NSS further and further into promoting commercial technology from which both sectors can draw benefit. But throughout this process of give and take, the NSS continues to set the goals, make the rules (for example, by setting performance standards), and define the problem sets for industry and university researchers to tackle. The outcome is what I characterize as a system of governed interdependence—neither “statist” nor “free-market” in its approach to inducing transformative innovation.
Linda Weiss (America Inc.?: Innovation and Enterprise in the National Security State (Cornell Studies in Political Economy))
While theologians differ on the matter, I would argue that a biblical view of natural law delegitimizes the entire notion of intellectual property.
Conley Owens (The Dorean Principle: A Biblical Response to the Commercialization of Christianity)
One who is not compelled to divulge information or share property may keep his creative works to himself. However, once disseminated, he has freely given this information to the public. With material property, a violation of the eighth commandment (thou shalt not steal) results in direct loss for another individual. With intellectual property, undesired copying and use of a published work may only be counted as a loss when estimating the potential of an idea to garner profit.
Conley Owens (The Dorean Principle: A Biblical Response to the Commercialization of Christianity)
If I light my candle at yours, am I getting fire for free, when otherwise I would have had to pay for matches? Does that make it a ‘commercial’ act?
James Boyle (The Public Domain: Enclosing the Commons of the Mind)
Creativity and innovation, when focused and commercialized, can significantly advance the progress of sustainable development goals.
Kalyan C. Kankanala (FUN IP: Fundementals of Intellectual Property)
CWD (as we are known) are a specialist company who deal with all aspects of the servicing, maintenance and renovation of aluminium windows, doors and curtain walling, within the commercial property sector. With over 35 years' experience in facade refurbishment, we are recommended by many of the major British and European hardware manufacturers and suppliers as well as window, door and curtain wall consultants.
Commercial Windows And Doors
The property market became a stage on which governments and financial institutions played out a pantomime designed to present the appearance of a healthy commercial market.
Anne Stevenson-Yang (Wild Ride: A short history of the opening and closing of the Chinese economy)
Blackacre Chartered Surveyors & Valuers are regulated by the Royal Institution of Chartered Surveyors, providing Commercial and Residential consultancy. Our practice is split into two core departments; Building Surveying including Neighbourly Matters and Building Projects; and Valuations including Landlord & Tenant services, and Tax Valuations.
Property Finders Greater London
Donny Disbro is now the driving force behind Standpoint Construction's National Commercial sales. His 20+ years in property management, including a prominent role at PCM, uniquely position him to tackle the challenges faced by HOAs. Donny's passion lies in aiding communities affected by natural disasters, a commitment reflected in his impressive sales record.
Donny Disbro
Welcome to JMF Landscaping Inc., your trusted South Shore Landscapers. We are a family-owned business, deeply rooted in the South Shore community, and have been transforming outdoor spaces since 1998. Our dedicated team specializes in creating and maintaining beautiful sustainable landscapes for both residential and commercial properties. We proudly serve Milton, Quincy, Randolph, Holbrook, Braintree, Weymouth, Hingham, Cohasset, Avon, Brockton, Abington, Whitman, Rockland, Hanover, and Norwell.
JMF Landscaping Inc.
Painters Adelaide Need Painters Adelaide for your Property? Free quote & immediately start for your domestic & commercial painting needs. Call 1300 293 816 for the same day booking. We are committed to providing the highest quality painting service through out all of Adelaide.
Marks Painting