Estate Development Quotes

The Revolutionary Hill Estates had not been designed to accommodate a tragedy. Even at night, as if on purpose, the development held no looming shadows and no gaunt silhouettes. It was invincibly cheerful, a toyland of white and pastel houses whose bright, uncurtained windows winked blandly through a dappling of green and yellow leaves … A man running down these streets in desperate grief was indecently out of place.

Respect for individual human personality has with us reached its lowest point," observed one intellectual in 1921, "and it is delightfully ironical that no nation is so constantly talking about personality as we are. We actually have schools for 'self-expression' and 'self-development,' although we seem usually to mean the expression and development of a successful real estate agent.

when you’re born with the blessing of the right name, connections, and money, you’ll use it. Damon Torrance, son of a media mogul. Kai Mori, son of an influential socialite and banker. William Grayson III, grandson of Senator Grayson. And Michael Crist, son of a real estate developer.

Perhaps it would be an idea to require developers to live on their own estates for five years, as a demonstration of their superb liveability. It’s just a thought. I

The first is that everyone—including Mom and Dad—has to do a hard thing. A hard thing is something that requires daily deliberate practice. I’ve told my kids that psychological research is my hard thing, but I also practice yoga. Dad tries to get better and better at being a real estate developer; he does the same with running. My oldest daughter, Amanda, has chosen playing the piano as her hard thing. She did ballet for years, but later quit. So did Lucy.

Penelope had read several novels about such governesses in preparation for her interview and found them chock-full of useful information, although she had no intention of developing romantic feelings for the charming, penniless tutor at a neighboring estate. Or - heaven forbid! - for the darkly handsome, brooding, and extravagantly wealthy master of her own household. Lord Frederick Ashton was newly married in any case, and she had no inkling what his complexion might be

H. L. Mencken called it “the one authentic rectum of civilization,” but for most people Hollywood was a place of magic. In 1927, the iconic sign on the hillside above the city actually said HOLLYWOODLAND. It had been erected in 1923 to advertise a real estate development and had nothing to do with motion pictures. The letters, each over forty feet high, were in those days also traced out with electric lights. (The LAND was removed in 1949.)

Donald has always struggled for legitimacy—as an adequate replacement for Freddy, as a Manhattan real estate developer or casino tycoon, and now as the occupant of the Oval Office who can never escape the taint of being utterly without qualification or the sense that his “win” was illegitimate.

On Memorial Day 1927, a march of some 1,000 Klansmen through the New York City borough of Queens turned into a brawl with the police. Several people wearing Klan hoods were arrested, one of them a young real estate developer named Fred Trump.

One of the few freedoms that we have as human beings that cannot be taken away from us is the freedom to assent to what is true and to deny what is false. Nothing you can give me is worth surrendering that freedom for. At this moment I'm a man with complete tranquillity...I've been a real estate developer for most of my life, and I can tell you that a developer lives with the opposite of tranquillity, which is perturbation. You're perturbed about something all the time. You build your first development, and right away you want to build a bigger one, and you want a bigger house to live in, and if it ain't in Buckhead, you might as well cut your wrists. Soon's you got that, you want a plantation, tens of thousands of acres devoted solely to shooting quail, because you know of four or five developers who've already got that. And soon's you get that, you want a place on Sea Island and a Hatteras cruiser and a spread northwest of Buckhead, near the Chattahoochee, where you can ride a horse during the week, when you're not down at the plantation, plus a ranch in Wyoming, Colorado, or Montana, because truly successful men in Atlanta and New York all got their ranches, and of course now you need a private plane, a big one, too, a jet, a Gulfstream Five, because who's got the patience and the time and the humility to fly commercially, even to the plantation, much less out to a ranch? What is it you're looking for in this endless quest? Tranquillity. You think if only you can acquire enough worldly goods, enough recognition, enough eminence, you will be free, there'll be nothing more to worry about, and instead you become a bigger and bigger slave to how you think others are judging you.

A number of years ago I had some experience with being alone. For two succeeding years I was alone each winter for eight months at a stretch in the Sierra Nevada mountains on Lake Tahoe. I was the caretaker on a summer estate during the winter months when it was snowed in. And I made some observations then. As time went on I found that my reactions thickened. Ordinarily I am a whistler. I stopped whistling. I stopped conversing with my dogs, and I believe that the subtleties of feeling began to disappear until finally I was on a pleasure-pain basis. Then it occurred to me that the delicate shades of feeling, of reaction, are the result of communication, and without such communication they tend to disappear. A man with nothing to say has no words. Can its reverse be true- a man who has no one to say anything to has no words as he has no need for words? ... Only through imitation do we develop toward originality.

In New Orleans after Katrina, some of the key players who now surround Trump showed to what lengths they will go to decimate the public sphere and advance the interests of real estate developers, private contractors, and oil companies.

This has always been a fatal flaw in U.S. real estate: the volume of development has been related to the availability of funds, not to demand.

There is nothing wrong in development, it is wrong when development happens at the cost of environment and at the cost of culture and humanity.

Our whole culture is based on the appetite for buying, on the idea of a mutually favorable exchange. Modern man's happiness consists in the thrill of looking at the shop windows, and in buying all that he can afford to buy, either for cash or on installments. He (or she) looks at people in a similar way. For the man an attractive girl—and for the woman an attractive man—are the prizes they are after. 'Attractive' usually means a nice package of qualities which are popular and sought after on the personality market. What specifically makes a person attractive depends on the fashion of the time, physically as well as mentally. During the twenties, a drinking and smoking girl, tough and sexy, was attractive; today the fashion demands more domesticity and coyness. At the end of the nineteenth and the beginning of this century, a man had to be aggressive and ambitious—today he has to be social and tolerant—in order to be an attractive 'package'. At any rate, the sense of falling in love develops usually only with regard to such human commodities as are within reach of one's own possibilities for exchange. I am out for a bargain; the object should be desirable from the standpoint of its social value, and at the same time should want me, considering my overt and hidden assets and potentialities. Two persons thus fall in love when they feel they have found the best object available on the market, considering the limitations of their own exchange values. Often, as in buying real estate, the hidden potentialities which can be developed play a considerable role in this bargain. In a culture in which the marketing orientation prevails, and in which material success is the outstanding value, there is little reason to be surprised that human love relations follow the same pattern of exchange which governs the commodity and the labor market.

don’t forget to look for that famous “Hollywood” sign. The 50-foot-high sign was placed atop Mt. Lee in the Hollywood Hills in 1923 as part of a promotion for a real estate development called Hollywoodland.

In our family, we live by the Hard Thing Rule. It has three parts. The first is that everyone—including Mom and Dad—has to do a hard thing. A hard thing is something that requires daily deliberate practice. I’ve told my kids that psychological research is my hard thing, but I also practice yoga. Dad tries to get better and better at being a real estate developer; he does the same with running. My oldest daughter, Amanda, has chosen playing the piano as her hard thing. She did ballet for years, but later quit. So did Lucy.

The surveyor’s theodolite is one of the more direful symbols of the twentieth century. Set up anywhere in open countryside, it says: there will come Road Widening, yea, and two-thousand-home estates in keeping with the Essential Character of the Village. Executive Developments will be manifest.

By the mid-1950s real estate promoters of the commercial strip were attaching it to the centerless residential suburb. Both strips and tracts expanded under the impact of federal subsidies to developers, but since these subsidies were indirect, it was hard for many citizens or local officials to know what was happening.

With an IQ of 160, Alex Volkov was a genius, or close to it. He was the only person in Thayer’s history to complete its five-year joint undergrad/MBA program in three years, and at age twenty-six, he was the COO of one of the most successful real estate development companies in the country. He was a legend, and he knew it.

…I’ve seen the world tell us with wars and real estate developments and bad politics and odd court decisions that our lives don’t matter. That may be because we are too many. Architecture and application form, modern life says that with so many of us we can best survive by ignoring identity and acting as it individual differences do not exist. Maybe the narcissism academics condemn in creative writers is but a last reaching for a kind of personal survival. Anyway, as a sound psychoanalyst once remarked to me dryly, narcissism is difficult to avoid. When we are told in dozens of insidious ways that our lives don’t matter, we may be forced to insist, often far too loudly, that they do.

By the end of the eighteenth century it had become clear that none of the estates or classes in the various countries was willing or able to become the new ruling class, that is to identify itself with the government as the nobility had done for centuries.8 The failure of the absolute monarchy to find a substitute within society led to the full development of the nation-state and its claim to be above all classes, completely independent of society and its particular interests, the true and only representative of the nation as a whole.

Your level of success will seldom exceed your level of personal development, because success is something you attract by the person you become.

Yes, but I’m also saving so much money by doing this! This whole development used to be farmland, and now that there are no more farms, I employ all the displaced locals to work on the estate, so it’s really been good for the economy. And think of all the carbon offset points I’m racking up by not having to fly all over the world every weekend trying out new spas,” Colette said earnestly.

The activities of automobile manufacturers, commercial real estate developers, and the federal government have been far more important in determining patterns of transportation than consumer choice.

In asking me to contribute a mite to the memorial to Gutenberg you give me pleasure and do me honor. The world concedes without hesitation or dispute that Gutenberg’s invention is incomparably the mightiest event that has ever happened in profane history. It created a new and wonderful earth, and along with it a new hell. It has added new details, new developments and new marvels to both in every year during five centuries. It found Truth walking, and gave it a pair of wings; it found Falsehood trotting, and gave it two pair. It found Science hiding in corners and hunted; it has given it the freedom of the land, the seas and the skies, and made it the world’s welcome quest. It found the arts and occupations few, it multiplies them every year. It found the inventor shunned and despised, it has made him great and given him the globe for his estate. It found religion a master and an oppression, it has made it man’s friend and benefactor. It found War comparatively cheap but inefficient, it has made it dear but competent. It has set peoples free, and other peoples it has enslaved; it is the father and protector of human liberty, and it has made despotisms possible where they were not possible before. Whatever the world is, today, good and bad together, that is what Gutenberg’s invention has made it: for from that source it has all come. But he has our homage; for what he said to the reproaching angel in his dream has come true, and the evil wrought through his mighty invention is immeasurably outbalanced by the good it has brought to the race of men.

The problem with fiat is that simply maintaining the wealth you already own requires significant active management and expert decision-making. You need to develop expertise in portfolio allocation, risk management, stock and bond valuation, real estate markets, credit markets, global macro trends, national and international monetary policy, commodity markets, geopolitics, and many other arcane and highly specialized fields in order to make informed investment decisions that allow you to maintain the wealth you already earned. You effectively need to earn your money twice with fiat, once when you work for it, and once when you invest it to beat inflation. The simple gold coin saved you from all of this before fiat.

Any business that wanted to set up shop inside the OASIS had to rent or purchase virtual real estate (which Morrow dubbed “surreal estate”) from GSS. Anticipating this, the company had set aside Sector One as the simulation’s designated business zone and began to sell and rent millions of blocks of surreal estate there. City-sized shopping malls were erected in the blink of an eye, and storefronts spread across planets like time-lapse footage of mold devouring an orange. Urban development had never been so easy.

They were planning some sort of real estate development on the edge of the city—probably on that few acres of pasture out back of the Waterhouse residence. They would put up town-houses around the edges, make the center into a square, and along the square Sterling would put up shops. Rich people would move in, and the Waterhouses and their confederates would control a patch of land that would probably generate more rent than any thousand square miles of Ireland—basically, they would become farmers of rich people.

Out of that night and day of unconditional wrath, folks would’ve expected to see any city, if it survived, all newly reborn, purified by flame, taken clear beyond greed, real-estate speculating, local politics—instead of which, here was this weeping widow, some one-woman grievance committee in black, who would go on to save up and lovingly record and mercilessly begrudge every goddamn single tear she ever had to cry, and over the years to come would make up for them all by developing into the meanest, cruelest bitch of a city, even among cities not notable for their kindness.

The surveyor’s theodolite is one of the more direful symbols of the twentieth century. Set up anywhere in open countryside, it says: there will come Road Widening, yea, and two-thousand-home estates in keeping with the Essential Character of the Village. Executive Developments will be manifest.

Isaiah 5:8–10. The oracle in Micah has a close parallel in the poetic oracle of Isaiah 5:8–10. This poetic segment also begins with “Ah” (“woe”), anticipating big trouble to come because of destructive social behavior. The indictment is against those who “join house to house” and “field to field,” exactly the language of the commandment and of the Micah oracle. The process consists of buying up the land of small peasant farmers in order to develop large estates. The vulnerable peasants are then removed from their land and denied a livelihood, and now coveters can bask in their newly secured isolated self-indulgence. The prophetic judgment pertains to such rural displacement; in our time, the same crisis might refer to urban gentrification that dislocates the poor and the vulnerable. The poetry traces the destruction, by acquisitiveness, of a viable neighborly infrastructure.

It had been only natural that as she developed into a young woman, she would become physically attracted to him. Certainly every other female in Hampshire was. McKenna had grown into a tall, big-boned male with striking looks, his features strong if not precisely chiseled, his nose long and bold, his mouth wide. His black hair hung over his forehead in a perpetual spill, while those singular turquoise eyes were shadowed by extravagant dark lashes. To compound his appeal, he possessed a relaxed charm and a sly sense of humor that had made him a favorite on the estate and in the village beyond.

Out of that night and day of unconditional wrath, folks would've expected to see any city, if it survived, all newly reborn, purified by flame, taken clear beyond greed, real-estate speculating, local politics--instead of which, here was this weeping widow, some one-woman grievance committee in black, who would go on and save up and lovlingly record and mercilessly begrudge every goddamn single tear she ever had to cry, and over the years to come would make up for them all by developing into the meanest, cruelest bitch of a city, even among cities not notable for their kindness. To all appearance resolute, adventurous, manly, the city would not shake that terrible all-night rape, when "he" was forced to submit, surrending, inadmissably, blindly feminine, into the Hellfire embrace of "her" beloved. He spent the years afterward forgetting and fabulating and trying to get back some self-respect. But inwardly, deep inside, "he" remained the catamite of Hell, the punk at the disposal of all the denizens thereof, the bitch in men's clothing.

From an asset-allocation perspective, when we talk about diversification, we're talking about investing in multiple asset classes. There are six that I think are really important and they are US stocks, US Treasury bonds, US Treasure inflation-protected securities [TIPS], foreign developed equities, foreign emerging-market equities and real estate investment trusts [REITS]. p473

Napoleon represented the last battle of revolutionary terror against the bourgeois society which had been proclaimed by this same Revolution, and against its policy. Napoleon, of course, already discerned the essence of the modern state; he understood that it is based on the unhampered development of bourgeois society, on the free movement of private interest, etc. He decided to recognise and protect this basis. He was no terrorist with his head in the clouds. Yet at the same time he still regarded the state as an end in itself and civil life only as a treasurer and his subordinate which must have no will of its own. He perfected the Terror by substituting permanent war for permanent revolution. He fed the egoism of the French nation to complete satiety but demanded also the sacrifice of bourgeois business, enjoyments, wealth, etc., whenever this was required by the political aim of conquest. If he despotically suppressed the liberalism of bourgeois society — the political idealism of its daily practice — he showed no more consideration for its essential material interests, trade and industry, whenever they conflicted with his political interests. His scorn of industrial hommes d'affaires was the complement to his scorn of ideologists. In his home policy, too, he combated bourgeois society as the opponent of the state which in his own person he still held to be an absolute aim in itself. Thus he declared in the State Council that he would not suffer the owner of extensive estates to cultivate them or not as he pleased. Thus, too, he conceived the plan of subordinating trade to the state by appropriation of roulage [road haulage]. French businessmen took steps to anticipate the event that first shook Napoleon’s power. Paris exchange- brokers forced him by means of an artificially created famine to delay the opening of the Russian campaign by nearly two months and thus to launch it too late in the year.

we discussed this dire problem with education and illusions of academic contribution, with Ivy League universities becoming in the eyes of the new Asian and U.S. upper class a status luxury good. Harvard is like a Vuitton bag or a Cartier watch. It is a huge drag on the middle-class parents who have been plowing an increased share of their savings into these institutions, transferring their money to administrators, real estate developers, professors, and other agents. In the United States, we have a buildup of student loans that automatically transfer to these rent extractors. In a way it is no different from racketeering: one needs a decent university “name” to get ahead in life; but we know that collectively society doesn’t appear to advance with organized education.

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

My entry into this job required me to get my real estate license, and there was no getting around the social security number and fingerprinting. But that’s okay, because this time I want my name to be known. For Ron Ashton—developer, local politician, and candidate for state senator—to know it was me who took everything from him. Not just his money, but the reputation he’s spent years cultivating.

Embracing our Queen demands that we sacrifice old, outdated versions of ourselves which can be petrifying. Embracing your Queen is a choice, it is a sacred claiming of your realm and choosing the real estate of your story. It is trading in your running shoes for slippers, a bow and arrow for a crown and invisibility for sovereignty. Allowing yourself to be brave and uncertain, giving yourself divine permission to be seen, heard, celebrated, and criticised.

No serious politician has proposed putting America second. The goal is not the issue. What separates Trump from every president since the dismal trio of Harding, Coolidge, and Hoover is his conception of how America’s interests are best advanced. He conceives of the world as a battlefield in which every country is intent on dominating every other; where nations compete like real estate developers to ruin rivals and squeeze every penny of profit out of deals.

He had envisioned a river of rent payments from apartments and businesses that would eventually pay off his financiers and yield millions of dollars in net revenues even as inflation drove up the value of the property. This formula—investment + time = revenue and higher value—was the magic of real estate. By following it, Fred Trump had amassed assets that allowed him to develop ever bigger projects while simultaneously reducing the risk to his personal fortune.

Yessir, they’s big money involved in this park fight, that’s the story. Dyer’s the mouthpiece for them east coast developers that has fought that park idea for years; them boys are workin day and night to grab that real estate before all them nature-lovers and such get the Glades nailed down by the federl gov’mint. You ain’t seen all that stuff in the papers? Gettin the public fired up against the feds for wastin half of Florida on this big green nothin? Stead of sellin off that land and cuttin taxes?

The vulgar Marxist concept of 'private enterprise' was totally misconstrued by man's irrationality; it was understood to mean that the liberal development of society precluded every private possession. Naturally, this was widely exploited by political reaction. Quite obviously, social development and individual freedom have nothing to do with the so-called abolishment of private property. Marx's concept of private property did not refer to man's shirts, pants, typewriters, toilet paper, books, beds, savings, houses, real estate, etc. This concept was used exclusively in reference to the private ownership of the social means of production, i.e., those means of production that determine the general course of society. In other words: railroads, waterworks, generating plants, coal mines, etc. The 'socialization of the means of production' became such a bugbear precisely because it was confounded to mean the 'private exploitation' of chickens, shirts, books, residences, etc., in conformity with the ideology of the expropriated.

In the twenty-first century, the visions of J.C. Nichols and Walt Disney have come full circle and joined. “Neighborhoods” are increasingly “developments,” corporate theme parks. But corporations aren’t interested in the messy ebb and flow of humanity. They want stability and predictable rates of return. And although racial discrimination is no longer a stated policy for real estate brokers and developers, racial and social homogeneity are still firmly embedded in America’s collective idea of stability; that’s what our new landlords are thinking even if they are not saying it.

After years of experience, Trump knew how to sell a big lie. He had done it many times before. As a real estate developer, he had claimed his buildings were taller than they were. As a reality television star, he had made up conflicts between contestants to juice his ratings. As a political provocateur, he had claimed without a lick of proof that the nation’s first Black president was secretly born in Africa. The trick with conspiracy theories, he had demonstrated, was repetition and conviction. “You say something enough times,” he once told Chris Christie’s wife, “and it becomes true.

Keep in mind a distinction that is being imported into more and more scientific thinking, that between ‘complicated’ and ‘complex’. ‘Complicated’ means a whole set of simple things working together to produce some effect, like a clock or an automobile: each of the components – brakes, engine, body-shell, steering – contributes to what the car does by doing its own thing, pretty well. There are some interactions, to be sure. When the engine is turning fast, it has a gyroscopic effect that makes the steering behave differently, and the gearbox affects how fast the engine is going at a particular car speed. To see human development as a kind of car assembly process, with the successive genetic blueprints ‘defining’ each new bit as we add them, is to see us as only complicated. A car being driven, however, is a complex system: each action it takes helps determine future actions and is dependent upon previous actions. It changes the rules for itself as it goes. So does a garden. As plants grow, they take nutrients from the soil, and this affects what else can grow there later. But they also rot down, adding nutrients, providing habitat for insects, grubs, hedgehogs … A mature garden has a very different dynamic from that of a new plot on a housing estate. Similarly, we change our own rules as we develop.

The irony of it, is how Freemasons have been trying to create and fulfill prophecy, and in their endeavor to hide behind secrecy they have been the catalyst for prophetic fulfillments. Moreover, I have taken the worst excrement ever defecated by mankind and have turned it into knowledge. Therefore, I have made the Thought a Thing and have aided the march of a TRUTH which I have bequeathed to mankind as a personal estate to hold in trust and I have dropped it into the world’s wide treasury as an example of a human excellence of growth that shall make the spiritual glory of the human race greater because this endowment has been cultivated from Truth as raw as a diamond in the rough. For what man develops and creates will always be artificial and glorified fabrication that when dismantled, is nothing more than just a lie regardless of how sophisticated the deception. A con artist will never be more than just a thief, and a cubic zirconia will never be more perfect than a diamond. Thus I have written in the same line as Moses and he who died upon the cross, and I have achieved an intellectual sympathy with the Deity himself and since[according to Albert Pike] the best gift we can bestow on humanity, is manhood, then I shall call it: ANTI - CHRIST ENDOWMENTS Because I’m the Little Horn with the biggest horn on the field. They were not kidding when they said I would be more stout than my fellows.

The Black Death’s visit to Florence is unusually well documented. We know that the mortality claimed roughly fifty thousand lives, a death rate of 50 percent in a city of about a hundred thousand. We also know that while public order held, anarchy and disorder were common. Major riots were avoided, but flight was general and greed ubiquitous. During 1348, municipal officials stole 375,000 gold florins from the inheritances and estates of the dead. We know, too, that in Florence victims often developed two buboes instead of the one characteristic of modern plague. We know as well that many animals died; along with Boccaccio’s pigs, there are reports of dogs and cats and apparently even chickens being stricken by the gavoccioli, or plague boil. What

Finally, we arrive at the question of the so-called nonpolitical man. Hitler not only established his power from the very beginning with masses of people who were until then essentially nonpolitical; he also accomplished his last step to victory in March of 1933 in a "legal" manner, by mobilizing no less than five million nonvoters, that is to say, nonpolitical people. The Left parties had made every effort to win over the indifferent masses, without posing the question as to what it means "to be indifferent or nonpolitical." If an industrialist and large estate owner champions a rightist party, this is easily understood in terms of his immediate economic interests. In his case a leftist orientation would be at variance with his social situation and would, for that reason, point to irrational motives. If an industrial worker has a leftist orientation, this too is by all mean rationally consistent—it derives from his economic and social position in industry. If, however, a worker, an employee, or an official has a rightist orientation, this must be ascribed to a lack of political clarity, i.e., he is ignorant of his social position. The more a man who belongs to the broad working masses is nonpolitical, the more susceptible he is to the ideology of political reaction. To be nonpolitical is not, as one might suppose, evidence of a passive psychic condition, but of a highly active attitude, a defense against the awareness of social responsibility. The analysis of this defense against consciousness of one's social responsibility yields clear insights into a number of dark questions concerning the behavior of the broad nonpolitical strata. In the case of the average intellectual "who wants nothing to do with politics," it can easily be shown that immediate economic interests and fears related to his social position, which is dependent upon public opinion, lie at the basis of his noninvolvement. These fears cause him to make the most grotesque sacrifices with respect to his knowledge and convictions. Those people who are engaged in the production process in one way or another and are nonetheless socially irresponsible can be divided into two major groups. In the case of the one group the concept of politics is unconsciously associated with the idea of violence and physical danger, i.e., with an intense fear, which prevents them from facing life realistically. In the case of the other group, which undoubtedly constitutes the majority, social irresponsibility is based on personal conflicts and anxieties, of which the sexual anxiety is the predominant one. […] Until now the revolutionary movement has misunderstood this situation. It attempted to awaken the "nonpolitical" man by making him conscious solely of his unfulfilled economic interests. Experience teaches that the majority of these "nonpolitical" people can hardly be made to listen to anything about their socio-economic situation, whereas they are very accessible to the mystical claptrap of a National Socialist, despite the fact that the latter makes very little mention of economic interests. [This] is explained by the fact that severe sexual conflicts (in the broadest sense of the word), whether conscious or unconscious, inhibit rational thinking and the development of social responsibility. They make a person afraid and force him into a shell. If, now, such a self-encapsulated person meets a propagandist who works with faith and mysticism, meets, in other words, a fascist who works with sexual, libidinous methods, he turns his complete attention to him. This is not because the fascist program makes a greater impression on him than the liberal program, but because in his devotion to the führer and the führer's ideology, he experiences a momentary release from his unrelenting inner tension. Unconsciously, he is able to give his conflicts a different form and in this way to "solve" them.

Trusting in God's Direction When I served as a denominational leader in Vancouver, one of our churches believed God was leading it to begin three new mission churches for different language groups. At that time, the church had only seventeen members. Human reason would have immediately ruled out such a large assignment for a small church. They were hoping to receive financial support from our denomination's Home Mission Board to pay the mission pastors' salaries. One pastor was already in the process of relocating to Vancouver when we unexpectedly received word that the mission board would be unable to fund any new work in our area for the next three years. The church didn't have the funds to do what God had called it to do. When they sought my counsel, I suggested that they first go back to the Lord and clarify what God had said to them. If this was merely something they wanted to do for God, God would not be obligated to provide for them. After they sought the Lord, they returned and said, “We still believe God is calling us to start all three new churches.” At this point, they had to walk by faith and trust God to provide for what He was clearly leading them to do. A few months later, the church received some surprising news. Six years earlier, I had led a series of meetings in a church in California. An elderly woman had approached me and said she wanted to will part of her estate for use in mission work in our city. The associational office had just received a letter from an attorney in California informing them that they would be receiving a substantial check from that dear woman's estate. The association could now provide the funds needed by the sponsoring church. The amount was sufficient to firmly establish all three churches this faithful congregation had launched. Did God know what He was doing when He told a seventeen-member church to begin three new congregations? Yes. He already knew the funds would not be available from the missions agency, and He was also aware of the generosity of an elderly saint in California. None of these details caught God by surprise. That small church in Vancouver had known in their minds that God could provide. But through this experience they developed a deeper trust in their all knowing God. Whenever God directs you, you will never have to question His will. He knows what He is going to do.

This is the real estate state, a government by developers, for developers. It is not monolithic; there are plenty of disputes within it. Builders' desires are not always the same as owners', as reflected in the presence of separate developer and landlord lobbies in New York. Nonprofit developers follow a somewhat different model than for-profit builders. And of course government is still accountable to voters, who are by and large either renters or mortgage holders and continue to organize collectively against real estate's rule. But the parameters for planning are painfully narrow: land is a commodity and also is everything atop it; property rights are sacred and should never be impinged; a healthy real estate market is the measure of a healthy city; growth is good-- in fact, growth is god.

If government had declined to build racially separate public housing in cities where segregation hadn’t previously taken root, and instead had scattered integrated developments throughout the community, those cities might have developed in a less racially toxic fashion, with fewer desperate ghettos and more diverse suburbs. If the federal government had not urged suburbs to adopt exclusionary zoning laws, white flight would have been minimized because there would have been fewer racially exclusive suburbs to which frightened homeowners could flee. If the government had told developers that they could have FHA guarantees only if the homes they built were open to all, integrated working-class suburbs would likely have matured with both African Americans and whites sharing the benefits. If state courts had not blessed private discrimination by ordering the eviction of African American homeowners in neighborhoods where association rules and restrictive covenants barred their residence, middle-class African Americans would have been able gradually to integrate previously white communities as they developed the financial means to do so. If churches, universities, and hospitals had faced loss of tax-exempt status for their promotion of restrictive covenants, they most likely would have refrained from such activity. If police had arrested, rather than encouraged, leaders of mob violence when African Americans moved into previously white neighborhoods, racial transitions would have been smoother. If state real estate commissions had denied licenses to brokers who claimed an “ethical” obligation to impose segregation, those brokers might have guided the evolution of interracial neighborhoods. If school boards had not placed schools and drawn attendance boundaries to ensure the separation of black and white pupils, families might not have had to relocate to have access to education for their children. If federal and state highway planners had not used urban interstates to demolish African American neighborhoods and force their residents deeper into urban ghettos, black impoverishment would have lessened, and some displaced families might have accumulated the resources to improve their housing and its location. If government had given African Americans the same labor-market rights that other citizens enjoyed, African American working-class families would not have been trapped in lower-income minority communities, from lack of funds to live elsewhere. If the federal government had not exploited the racial boundaries it had created in metropolitan areas, by spending billions on tax breaks for single-family suburban homeowners, while failing to spend adequate funds on transportation networks that could bring African Americans to job opportunities, the inequality on which segregation feeds would have diminished. If federal programs were not, even to this day, reinforcing racial isolation by disproportionately directing low-income African Americans who receive housing assistance into the segregated neighborhoods that government had previously established, we might see many more inclusive communities. Undoing the effects of de jure segregation will be incomparably difficult. To make a start, we will first have to contemplate what we have collectively done and, on behalf of our government, accept responsibility.

From every direction, the place is under assault—and unlike in the past, the adversary is not concentrated in a single force, such as the Bureau of Reclamation, but takes the form of separate outfits conducting smaller attacks that are, in many ways, far more insidious. From directly above, the air-tour industry has succeeded in scuttling all efforts to dial it back, most recently through the intervention of Arizona’s senators, John Kyl and John McCain, and is continuing to destroy one of the canyon’s greatest treasures, which is its silence. From the east has come a dramatic increase in uranium-mining claims, while the once remote and untrammeled country of the North Rim now suffers from an ever-growing influx of recreational ATVs. On the South Rim, an Italian real estate company recently secured approval for a massive development whose water demands are all but guaranteed to compromise many of the canyon’s springs, along with the oases that they nourish. Worst of all, the Navajo tribe is currently planning to cooperate in constructing a monstrous tramway to the bottom of the canyon, complete with a restaurant and a resort, at the confluence of the Little Colorado and the Colorado, the very spot where John Wesley Powell made his famous journal entry in the summer of 1869 about venturing “down the Great Unknown.” As vexing as all these things are, what Litton finds even more disheartening is the country’s failure to rally to the canyon’s defense—or for that matter, to the defense of its other imperiled natural wonders. The movement that he and David Brower helped build is not only in retreat but finds itself the target of bottomless contempt. On talk radio and cable TV, environmentalists are derided as “wackos” and “extremists.” The country has swung decisively toward something smaller and more selfish than what it once was, and in addition to ushering in a disdain for the notion that wilderness might have a value that extends beyond the metrics of economics or business, much of the nation ignorantly embraces the benefits of engineering and technology while simultaneously rejecting basic science.

Behind her, Annabelle heard Daisy say to Lillian accusingly, “I thought you said that no one ever comes to this meadow!” “That’s what I was told,” Lillian replied, her voice muffled as she stepped into the circle of her gown and bent to jerk it upward. The earl, who had been mute until that point, spoke with his gaze trained studiously on the distant scenery. “Your information was correct, Miss Bowman,” he said in a controlled manner. “This field is usually unfrequented.” “Well, then, why are you here?” Lillian demanded accusingly, as if she, and not Westcliff, was the owner of the estate. The question caused the earl’s head to whip around. He gave the American girl an incredulous glance before he dragged his gaze away once more. “Our presence here is purely coincidental,” he said coldly. “I wished to have a look at the northwest section of my estate today.” He gave the word my a subtle but distinct emphasis. “While Mr. Hunt and I were traveling along the lane, we heard your screaming. We thought it best to investigate, and came with the intention of rendering aid, if necessary. Little did I realize that you would be using this field for…for…” “Rounders-in-knickers,” Lillian supplied helpfully, sliding her arms into her sleeves. The earl seemed incapable of repeating the ridiculous phrase. He turned his horse away and spoke curtly over his shoulder. “I plan to develop a case of amnesia within the next five minutes. Before I do so, I would suggest that you refrain from any future activities involving nudity outdoors, as the next passersby who discover you may not prove to be as indifferent as Mr. Hunt and I.” Despite Annabelle’s mortification, she had to repress a skeptical snort at the earl’s claim of indifference on Hunt’s behalf, not to mention his own. Hunt had certainly managed to get quite an eyeful of her. And though Westcliff’s scrutiny had been far more subtle, it had not escaped her that he had stolen a quick but thorough glance at Lillian before he had veered his horse away. However, in light of her current state of undress, it was hardly the time to deflate Westcliff’s holier-than-thou demeanor. “Thank you, my lord,” Annabelle said with a calmness that pleased her immensely. “And now, having dispensed such excellent advice, I would ask that you allow us some privacy to restore ourselves.” “With pleasure,” Westcliff growled.

When I started in real estate, despite high ambition, I was constrained by the same 24 hours as everyone else. My early success came from a grueling schedule, long hours, and the high price of near burn-out. In self-defense, I devised a system that featured direct marketing in place of traditional prospecting plus a highly effective team, with all the non-rainmaker tasks delegated to them. This took me to the top of the profession, twice #1 in RE/MAX worldwide in commissions earned, and 15 years as one of the top agents—working less hours than most. While an active agent, I consistently sold over 500 homes a year, even while starting and developing a second business, training and coaching more millionaire agents than any other coach. Without the inspiration of Dan Kennedy’s direct marketing methods and his extraordinary, extreme time-management philosophy, these achievements simply would not have been possible. LEVERAGING yourself, by media in place of manual labor, and with other people is very intimidating to most real estate agents and to most small businesspeople. It frankly is not easy to get right, but it is the quantum leap that uniquely and simultaneously lifts income and supports a great lifestyle. —CRAIG PROCTOR, CRAIGPROCTOR.COM

The illusions of childhood had vanished, so also had the ideas he brought with him from the provinces; he had returned thither with an intelligence developed, with loftier ambitions, and saw things as they were at home in the old manor house. His father and mother, his two brothers and two sisters, with an aged aunt, whose whole fortune consisted in annuities, lived on the little estate of Rastignac. The whole property brought in about three thousand francs; and though the amount varied with the season (as must always be the case in a vine-growing district), they were obliged to spare an unvarying twelve hundred francs out of their income for him. He saw how constantly the poverty, which they had generously hidden from him, weighed upon them; he could not help comparing the sisters, who had seemed so beautiful to his boyish eyes, with women in Paris, who had realized the beauty of his dreams. The uncertain future of the whole family depended upon him. It did not escape his eyes that not a crumb was wasted in the house, nor that the wine they drank was made from the second pressing; a multitude of small things, which it is useless to speak of in detail here, made him burn to distinguish himself, and his ambition to succeed increased tenfold.

Smiley himself was one of those solitaries who seem to have come into the world fully educated at the age of eighteen. Obscurity was his nature, as well as his profession. The byways of espionage are not populated by the brash and colourful adventurers of fiction. A man who, like Smiley, has lived and worked for years among his country’s enemies learns only one prayer: that he may never, never be noticed. Assimilation is his highest aim, he learns to love the crowds who pass him in the street without a glance; he clings to them for his anonymity and his safety. His fear makes him servile—he could embrace the shoppers who jostle him in their impatience, and force him from the pavement. He could adore the officials, the police, the bus conductors, for the terse indifference of their attitudes. But this fear, this servility, this dependence, had developed in Smiley a perception for the colour of human beings: a swift, feminine sensitivity to their characters and motives. He knew mankind as a huntsman knows his cover, as a fox the wood. For a spy must hunt while he is hunted, and the crowd is his estate. He could collect their gestures and their words, record the interplay of glance and movement, as a huntsman can record the twisted bracken and the broken twig, or as a fox detects the signs of danger.

sighed. “I can’t say that you weren’t expected.” “I’m just going to be walking around here and taking some measurements. It says here… you own eighty acres? That is one of the most gorgeous mansions I have ever seen,” he rambled on. “It must have cost you millions. I could never afford such a beauty. Well, heck, for that matter I couldn’t afford the millions of dollars in taxes a house like this would assess, let alone such a pricey property. Do you have an accountant?” Zo opened her mouth to respond, but he continued, “For an estate this size, I would definitely have one.” “I do have an accountant,” she cut in, with frustration. “Furthermore, I have invested a lot of money bringing this mansion up to speed. You can see my investment is great.” “Of course, it would be. The fact of the matter is, Mrs. Kane, a lot of people are in over their heads in property. You still have to pay up, or we take the place. Well, I’ll get busy now. Pay no mind to me.” He walked on, taking notes. “Clairrrrre!” Zo called as soon as she entered the house. “Bring your cell phone!” Two worry-filled months went by and many calls were made to lawyers, before Zoey finally picked one that made her feel confident. And then the letter came with the totals and the due date. “There is no way we can pay this, Mom, even if we sold off some of our treasures, because a lot of them are contracted to museums anyway. I am feeling awfully poor all of a sudden, and insecure.” “Yes, and I did some research, thinking I’d be forced to sell. It’s unlikely that anyone else around here can afford this place. It looks like they are going to get it all; they aren’t just charging for this year. What we have here is a value about equal to a little country. And all the new construction sites for housing developments suddenly popping up on this side of the river, does not help. Value is going up.” Zo put her head in her hands. “Ohhh, oh, oh, oh!” “Yeah, bring out the ice-cream and cake. I need comforting,” sighed Claire. The cell phone rang. “Yes, tonight? You guys have become pretty good to us, haven’t you?! You know, Bob, Mom and I thought we were just going to pig out on ice cream and cake. We found out we are losing this estate and are going to be poor again and we are bummed out.” There was a long pause. “No, that’s okay, I understand. Yeah, okay, bye.” “Well?” Zo ask dryly. “He was appropriately sorry, and he got off the phone fast, saying he remembered he had other business to take care of. Do you want to cry? I do…” “I’ll get the cake and dish the ice cream. You make our tea and we’ll cry together.” A pitter patter began to drum on the window. “Rain again. It seems softer though, dear.” “I thought you said this was going to be a softer rain!” It started to pour. “At least this is not a thunder storm… What was that?” “Thunder,” replied Claire, unmoved and resigned. An hour had gone by when there was a rapping at the door. “People rarely use the doorbell, ever notice that?” Zo asked on the way to the door. She opened it to reveal two wet guys holding a pizza, salad, soft drink, and giant chocolate chip cookies in a plastic container. In a plastic

If there was anything really wrong with Shady Hill, anything that you could put your finger on, it was the fact that the village had no public library – no foxed copies of Pascal, smelling of cabbage; no broken sets of Dostoevski and George Eliot; no Galsworthy, even; no Barrie and no Bennett. This was the chief concern of the Village Council during Marcie’s term. The library partisans were mostly newcomers to the village; the opposition whip was Mrs Selfredge, a member of the Council and a very decorous woman, with blue eyes of astonishing brilliance and inexpressiveness. Mrs Selfredge often spoke of the chosen quietness of their life. ‘We never go out,’ she would say, but in such a way that she seemed to be expressing not some choice but a deep vein of loneliness. She was married to a wealthy man much older than herself, and they had no children; indeed, the most indirect mention of sexual fact brought a deep color to Mrs Selfredge’s face. She took the position that a library belonged in that category of public service that might make Shady Hill attractive to a development. This was not blind prejudice. Carsen Park, the next village, had let a development inside its boundaries, with disastrous results to the people already living there. Their taxes had been doubled, their schools had been ruined. That there was any connection between reading and real estate was disputed by the partisans of the library, until a horrible murder – three murders, in fact – took place in one of the cheese-box houses in the Carsen Park development, and the library project was buried with the victims.

The carciofini were good at the moment, no doubt about it, particularly the romagnolo, a variety of artichoke exclusive to the region, so sweet and tender it could even be eaten raw. Puntarelle, a local bitter chicory, would make a heavenly salad. In the Vini e Olio he found a rare Torre Ercolana, a wine that combined Cabernet and Merlot with the local Cesanese grape. The latter had been paired with the flavors of Roman cuisine for over a thousand years: they went together like an old married couple. There was spring lamb in abundance, and he was able to track down some good abbachio, suckling lamb that had been slaughtered even before it had tasted grass. From opportunities like these, he began to fashion a menu, letting the theme develop in his mind. A Roman meal, yes, but more than that. A springtime feast, in which every morsel spoke of resurgence and renewal, old flavors restated with tenderness and delicacy, just as they had been every spring since time began. He bought a bottle of oil that came from a tiny estate he knew of, a fresh pressing whose green, youthful flavors tasted like a bowl of olives just off the tree. He hesitated before a stall full of fat white asparagus from Bassano del Grappa, on the banks of the fast-flowing river Brenta. It was outrageously expensive, but worth it for such quality, he decided, as the stallholder wrapped a dozen of the pale spears in damp paper and handed it to Bruno with a flourish, like a bouquet of the finest flowers. His theme clarified itself the more he thought about it. It was to be a celebration of youth---youth cut short, youth triumphant, youth that must be seized and celebrated.

Mum was always so generous to Lara and me growing up, and it helped me develop a very healthy attitude to money. You could never accuse my mum of being tight: she was free, fun, mad, and endlessly giving everything away--always. Sometimes that last part became a bit annoying (such as if it was some belonging of ours that Mum had decided someone else would benefit more from), but more often than not we were on the receiving end of her generosity, and that was a great spirit to grow up around. Mum’s generosity ensured that as adults we never became too attached to, or attracted by money. I learned from her that before you can get, you have to give, and that money is like a river--if you try to block it up and dam it (that is, cling to it), then, like a damned river, the water will go stagnant and stale, and your life will fester. If you keep the stream moving and keep giving stuff and money away, wherever you can, then the river and the rewards will keep flowing in. I love the quote she once gave me: “When supply seems to have dried up, look around you quickly for something to give away.” It is a law of the universe: to get good things you must first give away good things. (And of course this applies to love and friendship, as well.) Mum was also very tolerant of my unusual aspirations. When I found a ninjutsu school through a magazine, I was determined to go and seek it out and train there. The problem was that it was at the far end of the island in some pretty rough council estate hall. This was before the moped, so poor Mum drove me every week…and would wait for me. I probably never even really thanked her. So, thank you, Mum…for all those times and so much more. By the way, the ninjutsu has come in real handy at times.

Like any place in Reality, the Street is subject to development. Developers can build their own small streets feeding off of the main one. They can build buildings, parks, signs, as well as things that do not exist in Reality, such as vast hovering overhead light shows, special neighborhoods where the rules of three-dimensional spacetime are ignored, and free-combat zones where people can go to hunt and kill each other. The only difference is that since the Street does not really exist -- it's just a computer-graphics protocol written down on a piece of paper somewhere -- none of these things is being physically built. They are, rather, pieces of software, made available to the public over the worldwide fiber-optics network. When Hiro goes into the Metaverse and looks down the Street and sees buildings and electric signs stretching off into the darkness, disappearing over the curve of the globe, he is actually staring at the graphic representations -- the user interfaces -- of a myriad different pieces of software that have been engineered by major corporations. In order to place these things on the Street, they have had to get approval from the Global Multimedia Protocol Group, have had to buy frontage on the Street, get zoning approval, obtain permits, bribe inspectors, the whole bit. The money these corporations pay to build things on the Street all goes into a trust fund owned and operated by the GMPG, which pays for developing and expanding the machinery that enables the Street to exist. Hiro has a house in a neighborhood just off the busiest part of the Street. it is a very old neighborhood by Street standards. About ten years ago, when the Street protocol was first written, Hiro and some of his buddies pooled their money and bought one of the first development licenses, created a little neighborhood of hackers. At the time, it was just a little patchwork of light amid a vast blackness. Back then, the Street was just a necklace of streetlights around a black ball in space. Since then, the neighborhood hasn't changed much, but the Street has. By getting in on it early, Hiro's buddies got a head start on the whole business. Some of them even got very rich off of it. That's why Hiro has a nice big house in the Metaverse but has to share a 20-by- 30 in Reality. Real estate acumen does not always extend across universes.

Late in the nineteenth century came the first signs of a “Politics in a New Key”: the creation of the first popular movements dedicated to reasserting the priority of the nation against all forms of internationalism or cosmopolitanism. The decade of the 1880s—with its simultaneous economic depression and broadened democratic practice—was a crucial threshold. That decade confronted Europe and the world with nothing less than the first globalization crisis. In the 1880s new steamships made it possible to bring cheap wheat and meat to Europe, bankrupting family farms and aristocratic estates and sending a flood of rural refugees into the cities. At the same time, railroads knocked the bottom out of what was left of skilled artisanal labor by delivering cheap manufactured goods to every city. At the same ill-chosen moment, unprecedented numbers of immigrants arrived in western Europe—not only the familiar workers from Spain and Italy, but also culturally exotic Jews fleeing oppression in eastern Europe. These shocks form the backdrop to some developments in the 1880s that we can now perceive as the first gropings toward fascism. The conservative French and German experiments with a manipulated manhood suffrage that I alluded to earlier were extended in the 1880s. The third British Reform Bill of 1884 nearly doubled the electorate to include almost all adult males. In all these countries, political elites found themselves in the 1880s forced to adapt to a shift in political culture that weakened the social deference that had long produced the almost automatic election of upper-class representatives to parliament, thereby opening the way to the entry of more modest social strata into politics: shopkeepers, country doctors and pharmacists, small-town lawyers—the “new layers” (nouvelles couches) famously summoned forth in 1874 by Léon Gambetta, soon to be himself, the son of an immigrant Italian grocer, the first French prime minister of modest origins. Lacking personal fortunes, this new type of elected representative lived on their parliamentarians’ salary and became the first professional politicians. Lacking the hereditary name recognition of the “notables” who had dominated European parliaments up to then, the new politicians had to invent new kinds of support networks and new kinds of appeal. Some of them built political machines based upon middle-class social clubs, such as Freemasonry (as Gambetta’s Radical Party did in France); others, in both Germany and France, discovered the drawing power of anti-Semitism and nationalism. Rising nationalism penetrated at the end of the nineteenth century even into the ranks of organized labor. I referred earlier in this chapter to the hostility between German-speaking and Czech-speaking wage earners in Bohemia, in what was then the Habsburg empire. By 1914 it was going to be possible to use nationalist sentiment to mobilize parts of the working class against other parts of it, and even more so after World War I. For all these reasons, the economic crisis of the 1880s, as the first major depression to occur in the era of mass politics, rewarded demagoguery. Henceforth a decline in the standard of living would translate quickly into electoral defeats for incumbents and victories for political outsiders ready to appeal with summary slogans to angry voters.

Suite 1500, 13450 102 Ave Surrey, BC V3T 5X3 604-581-7001 cbettencourt@mcquarrie.com Chris works with individuals and firms to provide legal advice and expertise for their real estate and business needs. He can plan and draft agreements relating to a wide variety of business and corporate transactions such as securing debt and the incorporation of companies. Chris acts for purchasers of businesses, helping to ensure that they begin their new venture with adequate protection. Chris is also experienced in the acquisition, development, and sale of residential and commercial real estate.

The former Riviera Point condo was acquired by Macly Iveria Pte Ltd, a wholly owned subsidiary of Macly Group and at the price of $72 million. The local homegrown real estate developer is best known for their niche and boutique developments spanning from residential to commercial sectors such as Lloyd The Iveria Inn and other successful overseas ventures. Macly Group will be launching this prime and attractively priced freehold boutique condo in 2019, contact us for a viewing arrangement now!

What does this mean in practical terms? Let’s keep things simple, ignore private equity and commercial real estate, and focus just on the broad stock and bond market. You might buy three funds: an index fund offering exposure to the entire U.S. stock market, an index fund that will give you exposure to both developed foreign stock markets and emerging stock markets, and an index fund that owns the broad U.S. bond market. Suppose we were aiming to build a classic balanced portfolio, with 60 percent in stocks and 40 percent in bonds. Here are some possible investment mixes using index funds offered by major financial firms:     40 percent Fidelity Spartan Total Market Index Fund, 20 percent Fidelity Spartan Global ex U.S. Index Fund and 40 percent Fidelity Spartan U.S. Bond Index Fund. You can purchase these mutual funds directly from Fidelity Investments (Fidelity.com).     40 percent Vanguard Total Stock Market Index Fund, 20 percent Vanguard FTSE All-World ex-US Index Fund and 40 percent Vanguard Total Bond Market Index Fund. You can buy these mutual funds directly from Vanguard Group (Vanguard.com).     40 percent Vanguard Total Stock Market ETF, 20 percent Vanguard FTSE All-World ex-US ETF and 40 percent Vanguard Total Bond Market ETF. You can purchase these ETFs, or exchange-traded funds, through a discount or full-service brokerage firm. You can learn more about each of the funds at Vanguard.com.     40 percent iShares Core S&P Total U.S. Stock Market ETF, 20 percent iShares Core MSCI Total International Stock ETF and 40 percent iShares Core U.S. Aggregate Bond ETF. You can buy these ETFs through a brokerage account and find fund details at iShares.com.     40 percent SPDR Russell 3000 ETF, 20 percent SPDR MSCI ACWI ex-US ETF and 40 percent SPDR Barclays Aggregate Bond ETF. You can invest in these ETFs through a brokerage account and learn more at SPDRs.com.     40 percent Schwab Total Stock Market Index Fund, 20 percent Schwab International Index Fund and 40 percent Schwab Total Bond Market Fund. You can buy these mutual funds directly from Charles Schwab (Schwab.com). The good news: Schwab’s funds have a minimum initial investment of just $100. The bad news: Unlike the other foreign stock funds listed here, Schwab’s international index fund focuses solely on developed foreign markets. Those who want exposure to emerging markets might take a fifth of the money allocated to the international fund—equal to 4 percent of the entire portfolio—and invest it in an emerging markets stock index fund. One option: Schwab has an ETF that focuses on emerging markets.

In our family, we live by the Hard Thing Rule. It has three parts. The first is that everyone—including Mom and Dad—has to do a hard thing. A hard thing is something that requires daily deliberate practice. I’ve told my kids that psychological research is my hard thing, but I also practice yoga. Dad tries to get better and better at being a real estate developer; he does the same with running. My oldest daughter, Amanda, has chosen playing the piano as her hard thing. She did ballet for years, but later quit. So did Lucy. This brings me to the second part of the Hard Thing Rule: You can quit. But you can’t quit until the season is over, the tuition payment is up, or some other “natural” stopping point has arrived. You must, at least for the interval to which you’ve committed yourself, finish whatever you begin. In other words, you can’t quit on a day when your teacher yells at you, or you lose a race, or you have to miss a sleepover because of a recital the next morning. You can’t quit on a bad day. And, finally, the Hard Thing Rule states that you get to pick your hard thing. Nobody picks it for you because, after all, it would make no sense to do a hard thing you’re not even vaguely interested in. Even the decision to try ballet came after a discussion of various other classes my daughters could have chosen instead. Lucy, in fact, cycled through a half-dozen hard things. She started each with enthusiasm but eventually discovered that she didn’t want to keep going with ballet, gymnastics, track, handicrafts, or piano. In the end, she landed on viola. She’s been at it for three years, during which time her interest has waxed rather than waned. Last year, she joined the school and all-city orchestras, and when I asked her recently if she wanted to switch her hard thing to something else, she looked at me like I was crazy. Next year, Amanda will be in high school. Her sister will follow the year after. At that point, the Hard Thing Rule will change. A fourth requirement will be added: each girl must commit to at least one activity, either something new or the piano and viola they’ve already started, for at least two years. Tyrannical? I don’t believe it is. And if Lucy’s and Amanda’s recent comments on the topic aren’t disguised apple-polishing, neither do my daughters. They’d like to grow grittier as they get older, and, like any skill, they know grit takes practice. They know they’re fortunate to have the opportunity to do so. For parents who would like to encourage grit without obliterating their children’s capacity to choose their own path, I recommend the Hard Thing Rule.

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Last year, she’d developed a tactic to combat the estate’s awful effects. She told herself the feelings weren’t real. They were only thoughts, bad thoughts that made her sad and scared, and she didn’t need to believe her bad thoughts if she didn’t want to.

As one Chicago real-estate magazine puts it: “For decades, a low rate of owner occupancy, a lack of commercial development … and problems with crime have kept prices lower in East Rogers Park than in many North Side neighborhoods.” And so my feelings about fear are somewhat ambivalent, because fear is why I can afford to swim every day now.

Why don’t you come back to London, then?” “I can’t.” “If it’s because of your plan to visit every tenant family on the estate, I don’t see the need--” “No, it’s not that. The fact is…Eversby Priory suits me. Damned if I know why.” “Have you developed an attachment for…someone?” Devon asked, his soul icing over with the suspicion that West wanted Kathleen. “All of them,” West admitted readily. “But not one in particular?” West blinked. “A romantic interest in one of the girls, you mean? Good God, no. I know too much about them. They’re like sisters to me.” “Even Kathleen?” “Especially her.” An absent smile crossed West’s face. “I’ve come to like her,” he said frankly. “Theo chose well for himself. She would have improved him.” “He didn’t deserve her,” Devon muttered. West shrugged. “I can’t think of a man who would.” Devon clenched his hand until the scab over his knuckle pulled stingingly tight. “Does she ever mention Theo?” “Not often. I can’t imagine a more dedicated effort to mourn someone, but it’s obvious that her heart isn’t in it.” Noticing Devon’s sharp glace, West said, “She knew Theo for a mere matter of months and was married to him for three days. Three days! How long should a woman grieve for a man she scarcely knew? It’s absurd for society to insist upon a fixed mourning period without regard to circumstance. Can’t such things be allowed to happen naturally?” “The purpose of society is to prevent natural behavior,” Devon said dryly. West grinned. “Granted. But Kathleen isn’t suited to the role of drab little widow. She has too much spirit. It’s why she was attracted to a Ravenel in the first place.

At MySQL, there were 400 employees in 40 countries, with 95% of the development staff working from home. The challenges this model presented, from time zone differences to communication technologies to project coordination to legal and commercial logistics, were immense. But it offset these costs with hard savings on real estate, salaries, and improvements in productivity. Most importantly, allowing workers to work remotely is like selling from the Internet: you’re no longer limited by your local geography.

If Steele’s reporting was to be believed, Trump had been colluding with Russia. This arrangement was transactional, with both sides trading favors. It said Trump had turned down “various lucrative real estate development business deals in Russia,” especially in connection with the 2018 soccer World Cup, hosted by Moscow.

A metaphor for this, and also a fact, which is lovely and also terrible in this case, is the demilitarized zone between North and South Korea, which I got to visit recently. It’s about three miles wide and runs from one end of the peninsula to the other, and it’s the most demilitarized piece of real estate on the earth. There are, as you know, eight species of Asian cranes. All of them are either endangered or nearly endangered, and two of them are making a comeback because they do their winter foraging in the demilitarized zone, which has been made into an unintentional national park. And if North and South Korea ever settle their problems and remove the last nuclear trip wire of the Cold War, that land will probably be developed, and those two species, which are ten million years old, will be gone from the earth.

The New York Real Estate Board distributes a form titled: “Standard form of Office Lease of the Real Estate Board of New York.” It has a particular size, identifiable type, and is commonly used by real estate attorneys in New York. I prepared and had printed for my use a different version that looked the same as the NYREB form but I modified several clauses to make them more favorable to the land-lords who were my clients. My form was titled: “Standard Form of Office Lease.” I neither disclosed nor hid the fact that it was my specially tailored standard form. I can’t recall how many lawyers representing tenants told their clients that my form was the standard form that they were thoroughly familiar with and accepted it without many changes. It worked so well that I developed two other versions of the Ross “standard form” specially adapted for different buildings.

the South Brooklyn seaside neighborhood was now showing signs of finally succumbing to the real estate developers. As the taxi wound through funky little side streets, I spotted a billboard advertising the IKEA warehouse located just off the Gowanus Expressway. Wine bars and condos wouldn’t be far behind.

Castro’s revolution, with all of its supposedly good intentions, put a stop to the growth of Havana. Of course it put an end to the Mafia controlling the casinos and entertainment, but for them it was a minor setback. They just packed their bags and went to Las Vegas where they expanded and developed “The Strip!” Batista and his followers fled Cuba for the Dominican Republic, Europe and South Florida. Many Cubans lost everything they had but others fled taking their wealth with them. The upheaval in 1959 marked the beginning of austerity for this former freewheeling city. The communistic de-privatization of all businesses, along with the embargo imposed by the United States, created a serious decline in Havana’s economy. The constant pressure to nationalize, as well as the severe crackdown by the régime to keep people in line, curtailed growth and placed an enormous hardship on the Cuban people. Since the Castro Revolution, the people of Havana have been severely affected, because of the absence of commerce with its former trading partner, the United States, located only 90 miles to the north. In all Havana has taken a severe toll economically, with its dilapidated houses, and the pre-1959 cars on the streets of the city being a testimony to the bygone era. It is only now that with the hope of normalization between the governments of Cuba and the United States that perhaps the people will benefit. For the greatest part, the Port of Havana has also been bypassed, chiefly due to the restrictions placed on them by the United States. However, the Cuban government is now attempting a comeback by attracting tourism from Canada, Mexico, the Bahamas, Latin America, Asia and Europe. The city of Havana has renovated the Sierra Maestra Cruise Port, but only very few cruise companies consider Havana a port of call. Slowly, German and British ships started to arrive, including the Fred Olsen Cruises and Carnival Cruise Line. Technically Real Estate Brokers and Automobile Dealers are illegal in Cuba, although real-estate offices and car dealerships are blatantly open for business. The buying and selling of real estate and cars, which was forbidden for many years, can now be done because of some changes brought about by Raúl Castro, but only by full-time residents of Cuba. However, gray market sales are thriving through the use of friends and family as proxies.

That night, they sat around the hotel room with a bottle of tequila and some salt and limes and talked about names for the new real estate company. A few ideas sprang up right away but got rejected just as fast. A half bottle of tequila later, the name "Real Estate Maximums Incorporated" was tossed around as a possibility. Nobody spoke for a moment because everyone liked it. Maximums meant that everyone would get the most out of the relationship-real estate agents and customers alike. The name did a good job of communicating the everybody wins principle at the heart of the endeavor. But after a few more minutes, they realized it didn't quite work. It wasn't snappy enough for a good brand name, and it was too long to fit on a real estate sign. More tequila got poured. No one could come up with another name that felt as on-target as Real Estate Maximums. Someone suggested shortening it to R. E. Max. That made it snappier and appealing in a brand name sense; but when you wrote it out, it looked too much like a real person's name. You could imagine junk mail arriving at the office in care of Mr. and Mrs. R. E. Max. Collins pointed out that Exxon had formed only a few years before, and the X with a slash through it looked very smart. So Liniger took out the dots and tried a slash through the middle of the word and then capitalized all the letters. They looked at the pad of paper and saw: RE/MAX. A silence came over them, followed by a few backslaps and cheers. Everything about the word looked exactly right, as though they were talking about an established global company. Now, what about colors? They were on a roll. Now was no time to stop. A few more shots of tequila went around while they debated the right look for the new RE/MAX. It didn't take long to figure it out: Everyone in the room was a Vietnam vet and patriotic to the core. The colors, of course, had to be red, white, and blue. When they considered the whole package, they knew they had it. And that's how the idea for the distinctive RE/MAX brand was hatched. Considering the time and resources that get poured into brand development today, their methods might seem unorthodox if admirably effective. No money was spent on advertising agencies, market research, or trademark protection. The only investment was a decent bottle of tequila; the only focus group, a bunch of guys sitting around a room having a good laugh.

She hit a new low in mid-July when she took up with Dodi Fayed, the son of Egyptian tycoon Mohamed Fayed, who had been repeatedly denied British citizenship by the U.K. government. Mohamed Fayed had befriended Diana as a generous benefactor of several of her charities. He appealed to her, according to Andrew Neil, a sometime consultant for Fayed, “by cultivating the idea that both were outsiders and had the same enemies.” Diana met Dodi while she and her sons were staying at the ten-acre Fayed estate in Saint-Tropez. At age forty-two, Dodi was a classic case of arrested development: spoiled, ill-educated, unemployed, rootless, and irresponsible, with a taste for cocaine and fast cars. He showered Diana with extravagant gifts, including an $11,000 gold Cartier Panther watch, and sybaritic trips on his father’s plane and yachts. From the moment the story of their romance broke on August 7, the tabloids covered the couple’s every move with suggestive photographs and lurid prose. William and Harry, who were at Balmoral with their father, mistrusted Dodi, and they were embarrassed by their mother’s exhibitionistic behavior.

Bringing together their stories could well be a way to remember that lost time. In the frantic pace of development that even the hill stations are undergoing, I hope at least a few haunted houses escape through the fingers of the estate developers and these age-old ghosts continue to get a few nooks and crannies to haunt. And talking of haunting, if there is one dedicated band of followers of ghosts, it has to be schoolgoing children. Schools, the older the better, seem to be rich breeding grounds for ghosts. To tell each other lurid

Soil, The Sonnet My skin is the color of soil, My covers are the color of soil. My heart is the color of soil, My blood is the color of soil. Species that forgets the soil, Is a lifeform abandoned by nature. Species that values sales over soil, Will soon be vaporized or drowned by nature. If we have no place for soil in our heart, How can we expect the soil to replenish us! If we have no place for nature in our heart, How can we expect nature to have a place for us! Only soil is real, all else is delusion. Advancement that has no regard for the soil, is but aneurysm destined for degeneration.

Tyson Dirksen grew up in a family very concerned about the environment, especially California's devastating drought of the 1980's. He started Evolve to try and reduce the use of energy, water, and other raw resources through sustainable design and development and use of green technologies. Tyson is an expert in the high-performance building industry and frequently speaks on the subject at conferences and symposiums. Tyson’s extensive knowledge of real estate investment combined with his expertise in healthy, sustainable, smart and resilient design and construction sets him and Evolve apart.. Tyson received his bachelor’s degree from Brown University and holds a Masters in Real Estate Development from MIT. Tyson is a licensed General Contractor, Real Estate Broker, LEED AP certified, Green Point and HERS Rater, and Passive House builder.

year-old tycoon Che Feng (or Fung in Cantonese), the son-in-law of high-ranking CCP member, Dai Xianglong. This was the Super Chairman. Che was one of more than a dozen Chinese princelings found to be using offshore companies in the British Virgin Islands, according to the “Paradise Papers,” including President Xi’s own brother-in-law, Deng Jiagui, a real-estate developer.

Each part of the EKG system works together as a puzzle, and each part contains a number of potential strategies that you can choose from to create your desired Nomad Capitalist lifestyle: E - Enhance Your Personal Freedom ● Living Overseas - Whether in one place, a few places, or as a perpetual traveler. ● Second Passports and Residencies - Obtain a residence permit or citizenship in another country for better travel, better treatment, and more options. ● Digital Privacy - Host your website overseas or use secure offshore email. ● Socializing Overseas - Make friends, dates, or a lifelong partner in another country. ● Personal Happiness - Find the place where you feel totally at home. K - Keep More of Your Money ● Tax Reduction - Legally reduce or eliminate your personal taxes by relocating your business the right way. ● Offshore Banking - Protect your money in quality banks and earn higher returns. ● Offshore Companies - Legally choose the tax rate for your business. G - Grow Your Money ● Frontier Market Entrepreneurship - Start a business in a less developed market. ● Foreign Real Estate - Buy, rent, sell, or hold property in fast-growing markets. ● Foreign Currencies - Earn high rates of return just by holding another currency.

With over 100 years of business experience and extensive local knowledge of Warwickshire, Worcestershire and Oxfordshire, Sheldon Bosley Knight have the unique ability to offer a comprehensive package of in-house land and property services. Whether you’re buying, selling or developing, our qualified surveyors, architects, planners, and estate agency professionals work together to expertly advise along every step of the journey.

For estimating construction costs of above-ground elements, readily accessible guides are available. Examples include the annual RSMeans Building Construction Cost Data series and Sage Estimating software.

Land plot An Giang Through Homeseek Perspective At the end of 2021 Land of An Giang . From the perspective of real estate supply in the region, Homeseek can see that the COVID-19 pandemic is a risk but also an opportunity for the real estate market. Many real estate enterprises in An Giang have changed their strategy of developing and distributing diverse products such as: Townhouse projects, Land plots, etc. Homeseek passe en revue quelques projets de terrain en suspens à An Giang : PROJET DE LA RIVIÈRE OUEST HAU RIVER PHASE 2 Le point culminant du projet West Song Hau An Giang est l'emplacement privilégié au bord de la rivière qui offrira aux résidents un espace de vie très confortable et frais, de l'air frais et des installations modernes. . Diamond City An Giang reçoit beaucoup d'attention de la part des investisseurs et des clients en raison de son énorme potentiel d'investissement rentable. ПРОЕКТ T&T LONG Xuyen URBAN AREA Проект T&T Long Xuyen разработан в направлении современного и стильного прибрежного городского района. Проект вдохновлен известными европейскими площадями, такими как: Прага (Чешская Республика) или Лиссабон (Португалия), сочетая садовую культуру, характеристики реки через образы западных плавучих рынков, с идеей стать «роскошной европейской улицей». у реки Хау-Зианг », изюминкой отеля является центральная площадь с символом лотоса и 25-этажное здание гостиницы, построенное на языке зеленой архитектуры и отвечающее 5-му стандарту. PROYEKT T&T LONG Xuyen URBAN AREA Proyekt T&T Long Xuyen razrabotan v napravlenii sovremennogo i stil'nogo pribrezhnogo gorodskogo rayona. Proyekt vdokhnovlen izvestnymi yevropeyskimi ploshchadyami, takimi kak: Praga (Cheshskaya Respublika) ili Lissabon (Portugaliya), sochetaya sadovuyu kul'turu, kharakteristiki reki cherez obrazy zapadnykh plavuchikh rynkov, s ideyey stat' «roskoshnoy yevropeyskoy ulitsey». u reki Khau-Ziang », izyuminkoy otelya yavlyayetsya tsentral'naya ploshchad' s simvolom lotosa i 25-etazhnoye zdaniye gostinitsy, postroyennoye na yazyke zelenoy arkhitektury i otvechayushcheye 5-mu standartu. For more information homeseekvn . wordpress . com/2021/10/13/dat-nen-an-giang-qua-goc-nhin-homeseek-vao-cuoi-2021/

30 percent—Domestic equities: US stock funds, including small-, mid-, and large-cap stocks 15 percent—Developed-world international equities: funds from developed foreign countries, including the United Kingdom, Germany, and France 5 percent—Emerging-market equities: funds from developing foreign countries, such as China, India, and Brazil. These are riskier than developed-world equities, so don’t go off buying these to fill 95 percent of your portfolio. 20 percent—Real estate investment trusts: also known as REITs. REITs invest in mortgages and residential and commercial real estate, both domestically and internationally. 15 percent—Government bonds: fixed-interest US securities, which provide predictable income and balance risk in your portfolio. As an asset class, bonds generally return less than stocks. 15 percent—Treasury inflation-protected securities: also known as TIPS, these treasury notes protect against inflation. Eventually you’ll want to own these, but they’d be the last ones I’d get after investing in all the better-returning options first.

Americans. All had good credit ratings, and banks were willing to issue mortgages if the FHA would approve. But the agency stated that “no loans will be given to colored developments.” When banks told the real estate agent that without FHA endorsement they would not issue the mortgages, he approached the Prudential Life Insurance Company, which also said that although the applicants were all creditworthy, it could not issue mortgages unless the FHA approved. Today, Fanwood’s population remains 5 percent black in a county with a black population of about 25 percent.

The mortgage industry might be ill-equipped to finance the number of new homes the marketplace actually requires.

Albert Fortna, a retired Christian entrepreneur, personifies integrity since his 1985 conversion. Having owned a Honda Motorcycle & Car Dealership (1970-1978) owned and managed a Motorcycle salvage business (1977-1984) in Tampa, he later transitioned into real estate development (1980-2008) in the Tampa Bay area. Albert's online presence is a testament to the trust he's earned.

As monthly mortgage payments rose for home buyers over the past several years as a result of higher mortgage rates (coupled to increasing home prices), what simultaneously so too did rise were earned income opportunities for bondholders. Bondholders benefitted…at the expense of home buyers. If the Fed does indeed enact two rate cuts through the end of 2024, mortgage rates are likely to drop. As too will yields bondholders attain, through their purchase of newly-issued 10-year Treasuries. A trade-off is in the making. A much-welcomed rebalancing.

As we know, Kansas borders Missouri. And at a time in American history when the future of the institution of slavery was going to be determined, Missouri - a then-slave state - wished for their new neighbor - Kansas - to come into the union as slave state as well…like Missouri. In 1854, Missouri Senator David Atchison led his border ruffians into the territory of Kansas to wreak havoc on Missouri's abolitionist-leaning neighbor.

Happiness is your nature; it is not wrong to desire it. What is wrong is seeking it outside when it is inside. —RAMANA MAHARSHI, INDIAN HINDU SAGE

ere able to acquire their land, thanks to federal policy - the Homestead Act. The Homestead Act was signed into law by President Abraham Lincoln on May 20, 1862, and went into effect the following year. In 1863.

In New Jersey, a Redevelopment Area is correlated to the topic of, What to do with blight? More specifically, Redevelopment Areas relate to blighted areas. Areas where, once that blight has been redeveloped, revitalization of the community as a whole takes place. In a designated Redevelopment Area, a municipality's goals could be focused upon transitioning now non-performing residential, commercial, and industrial properties to vibrant community assets. The pursuit of which takes on a community-centric theme. Renovations. Repurposing properties. And reconstruction too. Each of these being goals pursuant to redeveloping non-performing properties in designated Redevelopment Areas.

The property owner, contractors, subcontractors, investors, the lender, project stakeholders, the architect, as well as project managers are each individually able to stay updated on the progress of the home-build through the Schedule of Values. Inasmuchas the Schedule of Values relates to billable work performed - and to tasks completed - during each draw period in the project. As each phase of the home build is completed - i.e.: as one draw period progresses to the next draw period - the project's Schedule of Values is updated. The updating of the S.O.V. in subsequent draw periods is directly relatable to forthcoming draw requests. For each new draw request, line items in the Schedule of Values - as per project progression in each draw period - are revised.

A true luxury is a reward for investing in and developing a real asset. For example, when my wife Kim and I had extra money coming from our apartment houses, she went out and bought her Mercedes. It didn’t take any extra work or risk on her part because the apartment house bought the car. She did, however, have to wait four years while the real estate investment portfolio grew and began generating enough extra cash flow to pay for the car. But the luxury, the Mercedes, was a true reward because she proved she knew how to grow her asset column. That car now means a lot more to her than simply another pretty car.

There are just about than 4 million total residential homes in state of New York. If one is looking for a real estate development specialty to consider going into 2025, today, 13 years after the New York Land Bank Law went into effect, there are still in excess of somewhere in the neighborhood of 40,000 vacant residential homes located in municipalities throughout the state of New York.